vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Regional Management Corporation
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Regional Finanace XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Account Number XXXX To Whom It May Concern, Pursuant to my rights under the Fair Debt Collection Practices Act, specifically 15 U.S.C. 1692c ( c ), you are hereby notified to cease and desist all communication with me regarding the above-referenced account. You are no longer permitted to contact me by phone, mail, email, text message, or any other means, except as allowed by law to notify me of specific actions such as termination of collection efforts or notice of legal remedies being pursued. Be advised that any further communication beyond what is permitted under federal law will be considered a violation of the Fair Debt Collection Practices Act and may result in legal action against your company. Additionally, I request that you document this request in your records and confirm in writing that you will comply with this demand. Thank you for your cooperation. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: MD

Complaint narrative:
I am filing a complaint regarding Affirm and XXXX. I purchased an airline ticket through XXXX and paid using Affirm on XXXX XXXX, 2025. The airline canceled the flight approximately XXXX months ago on XXXX XXXX, 2025. Under XXXX XXXX XXXX XXXX rules, when an airline cancels a flight, the passenger is legally entitled to a full refund to the original form of payment. Despite this, I have not received any refund from XXXX or the airline, and Affirm continues to attempt to collect payment for a service that was never provided. Affirm is now threatening to send my account to collections. I contacted XXXX multiple times on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. They refused to provide any written confirmation regarding the refund status, they verbally gave me a case number of XXXX, gave me an escalation case number of XXXX, and refused to allow me to speak with the same supervisor again, XXXX. They also refused to send me any documentation showing whether a refund was issued or denied as well as refusing to send me case numbers via email, stating they needed to hear back from the airline. This behavior prevents me from resolving the issue and leaves me without the documentation Affirm requires. I contacted the airline, who confirmed the flight was canceled by them. XXXX continued to state they were waiting on the airline, XXXX XXXX, and has not processed the refund or provided any explanation as to why the flight was canceled. I am requesting the CFPB to : 1. Require Affirm to pause all collection activity and mark the account as disputed. 2. Require XXXX to provide written documentation of the refund status and to issue the refund owed. 3. Require both companies to comply with federal refund regulations. I am being billed for a service I never received, and XXXX refusal to provide documentation or escalation is preventing resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: FL

Complaint narrative:
On XX/XX/year> at approximately XXXXXXXX XXXX, I sent USD XXXX via Wise ( Transaction # XXXX ) to my wife, XXXX XXXX, in XXXX. The funds were converted to XXXX XXXX and disbursed via XXXX using her current mobile number ( XXXX ) as the proxy ID. The funds were misdirected to an unintended recipient, XXXX XXXX XXXX XXXX, because the XXXX registry had a stale record the phone number, though currently belonging to my wife, was still linked to the previous owner 's bank account ( XXXX ). I used the correct, current phone number of my intended recipient. Critically, the XXXX system displays the registered account holder 's name before a transfer is executed. The name shown was NOT " XXXX XXXX '' the intended beneficiary clearly documented in my Wise transfer. Wise 's local XXXX processing partner had this name mismatch visible before processing and failed to flag it or seek my confirmation. This was entirely preventable. I filed a police report with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/year> ( Report No. XXXX XXXX, XXXX XXXX station, XXXX XXXX XXXX. Through the XXXX system, we identified the unintended recipient, XXXX XXXX XXXX XXXX, and my wife contacted her via social media. XXXX XXXX XXXX has been fully cooperative she also filed her own police report and wants this resolved urgently. However, she is unwilling to transfer the funds without instruction from her bank ( XXXX ), as XXXX XXXX is a very significant sum and she is concerned about the legal implications of holding and transferring funds she did not expect to receive. Despite this, XXXX has not contacted her at all as of XX/XX/year> 18 days after the incident raising serious questions about whether the recall process is being actively pursued. I have also been in direct contact with Bank XXXX XXXX ( XXXX XXXX XXXX ) regarding this matter. Wise escalated my case to Complaints XXXX XXXX on XX/XX/year> ( Ref : XXXX ). On XX/XX/year>, Wise issued a final response declining all responsibility, citing Sections 13.3, 13.4, and 20.17 of their Customer Agreement, and arguing that banking systems are " address-only '' frameworks. This defense misrepresents how XXXX works it is a name-displaying proxy system by design. Their T & Cs can not override the duty of care owed when a system-generated name mismatch is visible and ignored before execution. Wise has also refused to identify their local XXXX processing partner.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: IL

Complaint narrative:
My federal student loans were placed into servicer-initiated administrative forbearance during XXXX and XX/XX/year> due to the ED-MOHELA platform migration. I did not request this forbearance and was not given the option to decline it. During this time, I was continuously employed full-time by a qualifying public service employer and remained enrolled in an income-driven repayment plan ( PAYE ). As a result of this involuntary forbearance, these months were not counted toward XXXX XXXX XXXX XXXX. I submitted a reconsideration request through XXXX XXXX XXXX, which was denied ( case XXXX XXXXXXXX ), with the explanation that the loans were in forbearance due to the servicers system migration. I believe this outcome is unfair and inconsistent with Department of Education policies, particularly where borrowers are placed into administrative forbearance through no action of their own and would have otherwise qualified for XXXX credit.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MO

Complaint narrative:
Cashapp card numbers were used to make dozens of unauthorized transactions over a period of a couple months. Upon realizing them I disputed them and won a handful in my favor. Then I attempted to dispute some of the remaining unauthorized charges and my account was closed for submitting multiple disputes and Cashapp offered no support or explanation. Upon researching Cashapp was in a class action lawsuit about this very thing and lost so I know I was affected by the same issue. From XX/XX/year> to XX/XX/year> my card was used to make dozens of unauthorized transactions totaling around {$700.00} and once I realized I disputed some of them and won in my favor I then tried disputing the rest and my account was closed and flagged for filing multiple disputes. They told me my disputes were not approved because i didn't verify my identity in time but my account was already verified and my account was closed because of this and support did not help at all or provide any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I need to recover my money order that was XXXX paid to a person. the person took out the money order from the mailbox and cashed it as his own money order. XXXX money order was stolen and forged.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: CA

Complaint narrative:
I have an auto loan that has been serviced with multiple payment and accounting issues. From approximately XX/XX/XXXX through XX/XX/XXXX, I made regular monthly payments ranging from about {$50.00} to over {$300.00}. Despite making these payments consistently, the account balance increased from approximately {$10000.00} ( XX/XX/XXXX ) to {$11000.00} ( XX/XX/XXXX ), instead of decreasing as expected. The account also shows repeated interest charges, late fees, and several payment reversals that appear to have impacted how payments were applied. The transaction history reflects multiple direct payments being made, followed by interest charges and fees that often offset or exceed the payments. There are also entries showing reversals of payments and interest charges, which makes it unclear how payments were actually applied to principal, interest, and fees. In addition, the account is reporting a past due balance of approximately {$3200.00} and has been reported as significantly delinquent ( including 120-day late status ), which I believe is inaccurate based on the payment activity shown. I previously requested a full payment history, account ledger, and explanation of how payments were applied, including how interest, fees, and reversals were calculated. The company did not provide a clear or complete explanation or correction of the account. I am requesting a full investigation into the payment application history, correction of any inaccurate late payment reporting, and a detailed accounting of how the balance increased despite regular payments being made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Velocity Portfolio Group
State: AL

Complaint narrative:
upgrade appers on my credit report account # XXXX as a charge off Its is showing that it was sold to Velocity Investments Inc I have asked both companies and credit union experian proof of the debt, and .present chain of ownership or delete from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: FIRST HORIZON BANK
State: LA

Complaint narrative:
First Horizon Bank allowed unilateral control of a business account by a member that voluntary withdraw from the XXXX on XXXX XXXX, 2026. Bank continued to allow this former member to make transaction and issued them a cashier check without verifying Articles of Incorporation with the State of Louisiana or adding the actual member of the XXXX access to funds or adding as a signer on the account. They allowed non-member to transfer funds and close out credit accounts and line of credit accounts. This caused business to suffer. Bank continued to allow access to non-member until XX/XX/year> without any verification of status of non-member.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
Items returned - XXXX said not received confirmed they did receive and was dropped off request full refund refund amounts of {$6.00}, {$10.00} and {$17.00} on XX/XX/year>

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I am filing this complaint regarding multiple collection accounts being reported on my credit report that I have formally disputed and requested validation for, but have not been properly verified. The accounts include : Caine & Weiner Account XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX Co ) {$810.00} Caine & Weiner Account XXXX XXXXXXXX ( Original Creditor : XXXX XXXX XXXX Co ) - {$920.00} XXXX XXXX XXXX Original Creditor : XXXX XXXXXXXX XXXX {$910.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX {$3600.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX {$270.00} XXXX previously submitted disputes and debt validation requests to these companies. It has now been over XXXX days, and I have not received proper validation of these debts. Instead, the accounts continue to be reported on my credit file. The companies have failed to provide competent evidence that I am legally obligated to pay these debts. Specifically, they have not provided : Any signed contract or agreement bearing my signature Full account-level documentation or payment history Proof of assignment or legal ownership of the debt Despite this, they continue to report these accounts to the credit bureaus, which is inaccurate and damaging to my credit profile. I believe these actions violate federal law, including : Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) : Failure to validate the debt and continuing collection activity FDCPA 15 U.S.C. 1692e : Misrepresentation of the debt Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( b ) : Failure to conduct a reasonable investigation FCRA 15 U.S.C. 1681e ( b ) : Reporting inaccurate or unverifiable information FCRA 15 U.S.C. 1681i ( a ) : Failure to properly investigate disputed information Additionally, at least XXXX account was reinserted on my credit report without proper notification, which may violate FCRA 1681i ( a ) ( 5 ) ( B ). I am requesting the following resolution : Immediate deletion of all listed accounts from my credit report Cease all collection activity on these accounts Written confirmation that these accounts have been removed These companies have had sufficient time to validate the debts and have failed to do so. Continuing to report unverifiable information is harmful and unlawful. If these matters are not resolved, I am prepared to pursue further legal action for willful noncompliance. I request a prompt investigation and resolution of this complaint. Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX was stolen and they were able to obtain my XXXX passcode. They used the passcode to access my digital wallet as well as saved passwords to all my bank accounts, XXXX, and XXXX. They transferred funds from my debit card to XXXX, and transferred the money to themselves. They also attempted XXXX transfers but those were denied. They used my debit card and credit card for purchases at stores in-person for XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX as well as XXXXXXXX. My credit cards were able to block most of these transactions but the ones that made it through have been reported for fraud and a claim for credit. All my accounts have been restricted by the banks and cards cancelled. I received a letter from Chase that my debit fraud claim was denied and I have now lost {$1600.00} so far. There were 3 transactions for {$500.00}, and one for {$120.00} through XXXX. There was also another for XXXX XXXX XXXX transfer for {$50.00}. This totaled to {$1600.00} in lost cash so far. I have already filed a police report with XXXX XXXX XXXX ( pending case number ) and reported it the identitytheft.gov. I have also frozen and issued fraud alerts with all 3 credit Bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Block, Inc.
State: CA

Complaint narrative:
An unauthorized order was placed on my account through XXXX on XXXX XXXX, 2026 in the amount of {$74.00}. I did not authorize this purchase or approve the transaction. I contacted XXXX as soon as I noticed the charge and requested details about how the order was approved, including any verification records or proof of authorization. XXXX stated they completed an investigation but refused to provide supporting details due to internal policy restrictions. The issue remains unresolved, and I am still being held responsible for a charge I did not make. I am requesting a full review of the transaction and removal of the unauthorized charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I opened an XXXX Checking Account with Wells Fargo on XX/XX/year>. I opened this account because a promotion was offered to receive a {$420.00} bonus after {$1000.00} or more in qualifying direct deposits were deposited within XXXX days of opening the account. I met the criteria and never received the bonus. I went to the company with my concerns and I was told that the " bonus offer code '' was never applied and so that I am not eligible for the bonus. I don't think I ever received a bonus offer code because I went back through my email from XX/XX/XXXX when I opened the account and all I found were XXXX emails, XXXX of which said that my application was approved and to review next steps, and XXXX of which said that my account was ready to use. These are the only XXXX emails I received. ( I have attached them ). I am also attaching the letter I got from the escalations representative at Wells Fargo telling me that I am not eligible for the bonus. Something that is worth noting is that the way I opened the account was by clicking through the offer for the checking account that was advertised on the Wells Fargo app. I actually took screenshots on my phone at the time for my own records, which I am also attaching. It actually says on XXXX of the screenshots that my code should have been automatically applied by clicking through the offer link, which is what I did. I lclicked through the offer link on the last day that the offer was available and followed all the steps that were set out, so it makes no sense that I would not be eligible for the bonus. I looked this problem up online and found XXXX other people who have also been denied their bonuses by Wells Fargo for opening up an account with a bonus offered. XXXX person said that a possible problem is that sometimes there is a difference between the posted vs transaction date. I took a look back at the emails I received ( attached ) and you will see that I received them at around XXXX pm on XX/XX/XXXX, but that they say that the submit day was XX/XX/XXXX. I'm wondering if this is potentially the problem, because I opened the account on XX/XX/XXXX, not the XXXX. Opening the account on the XXXX should mean that I am eligible for this bonus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have disputed the Midland Credit Management account on my credit report multiple times with the credit bureaus and previously submitted a complaint, but the issue remains unresolved. Each time, the account has been marked as verified without Midland providing proper documentation to support the accuracy of the debt. The most recent investigation results contain incomplete and inconsistent information, including repeated invalid date entries. This clearly shows that the data being reported is not accurate or properly maintained. I specifically requested verification of the debt, including a signed contract, full payment history, proof of ownership, and the method of verification used. Midland Credit Management has failed to provide this information. Despite this, they continue to report the account as verified. Under the Fair Credit Reporting Act, all information reported must be accurate and complete. Reporting an account with missing or invalid data while failing to provide proper verification does not meet these requirements. I have made multiple good faith attempts to resolve this issue directly and through prior disputes, but Midland Credit Management continues to report inaccurate and unverified information. I am requesting that Midland Credit Management either provide complete and verifiable documentation supporting this account or remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: VA

Complaint narrative:
My student loans were approved for discharge via the XXXX XXXX XXXX by XXXX. However, Mohela still shows me owing {$31000.00} and has sent me a bill requesting I start paying on these loans beginning XX/XX/year>2026 despite me providing them with information of the full discharge and the XXXX and XXXX XXXX XXXX showing I owe XXXX dollars in there system and no loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
B of A has denied my XXXX fraud claim over and over again for {$4000.00} withdrawal at teller. Never sent me video or photos and I been reopening this claim for years The timestamp and in California would have been approximately XXXX or something XXXX time it's been the same time for years on all my statements now all of a sudden in XXXX XXXX I get a copy of it where it's been altered to XXXX hours because I said it was probably an inside job and they will not give me back my {$4000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation