vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Advance America, Cash Advance Centers, Inc.
State: MI

Complaint narrative:
I had a payday loan in the amount of {$560.00} that was due on XX/XX/year>. I knew that I wasn't going to be able to make that payment. I called Advance America on XX/XX/year> to notify them of this. I was told the only option I had was a payment plan consisting of 3 payments of {$190.00} plus a fee of {$18.00} ; @ that time I told them that I wasn't certain that I could afford such a large payment, but I was told I had no other options. The only other thing the rep could do for me @ that time was to move my 1st payment date to XX/XX/year>. On XX/XX/year> I called Advance America to notify them that I would not be able to make my first payment & I needed to figure something else out. The rep said she had to ask me if I wanted to put a stop on electronic payments & I said yes, she said this would remove authorization to take electronic payments from my bank account. I asked @ that time if there was any chance that they would try to run any payments through my bank account on XX/XX/year> & she said no because I revoked authorization for them to take any electronic payments. I asked her if I should also put a stop payment with my bank & she said there was no need to do that & my bank would charge me a fee if I did. She confirmed there was no authorization to withdraw electronics payments & I was immediately sent a text message confirming what she said. She then told me to give it @ least 5 days & to then call back & there should be other options to repay available. She said to not call any sooner than Wed of the following week. On Friday XX/XX/year> I went to my ATM to withdraw cash & found out @ that time that I was overdrawn {$140.00}, upon investigation Advance America had went in my account & took out {$580.00}, without my knowledge they did this! I had no idea this was going to occur. Upon calling Advance America & speaking to a supervisor, she said that I only revoked authorization for the " 3 '' payment plan & that I was mixed up. I asked her where it stated this & was met with silence, I asked her if it was in the " fine print ''? because this was never stated to me or even a thought that this was a possibility. She then said well we'll just see, if there's enough it will go through. That had no right to do this without my knowledge! I tried to put a stop payment on this through my bank but because it was already pending I was not able to

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
I received an offer from XXXX XXXX stating that I was approved for {$750.00} I applied and received the card I used the card I later check the balance on the card to purchase something and it was lower than I expected I called the customer service and the representative stated that the balance was lower because they had deducted {$150.00} for me receiving the card I did not understand she said In order to get the card I had to pay I to her that was never said anywhere on the offer that was sent I would not have applied I have never heard of anything like that I explained that I no longer wanted the card and would immediately send back the money when she stated that because it had already been used there was nothing she could do I asked for a supervisor who basically said the same thing then I asked about a resolution they stated they would get back to me I received a different offer for the same card but this time it had the {$150.00} charge on it I called the customer service number again and got the same information I explained again that the original offer sent did not state that and I have other credit cards that I did not pay for and would not start now its been back and forth because they did not want to refund the {$150.00} and I was not going to pay I asked about their dispute process I put in a dispute and it was not in my favor I went to the credit bureau XXXX and put in a dispute with them to no avail now the account is in collections with an amount of XXXX which is completely absurd

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: MD

Complaint narrative:
XX/XX/year> {$540.00} I have never received any documentation regarding this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I am filing a complaint regarding improper interest accrual and deficient servicing of my federal student loans by Nelnet. In XX/XX/XXXX, I was notified that my loans were placed into a SAVE-related forbearance with a 0 % interest rate, and that I would be notified prior to any change in that status. I reasonably relied on this representation. Since that time, I did not receive any clear or direct notice that interest would resume accruing. To the contrary, subsequent written communications ( XX/XX/XXXX and XX/XX/XXXX ) stated that changes would not impact my current repayment status and that my forbearance would not be affected. Despite this, my account reflects {$1200.00} in accrued interest while still labeled as in SAVE Plan Pause Forbearance through XX/XX/XXXX. Additionally, I have not received a single billing statement or periodic account statement since XX/XX/XXXX, despite ongoing interest accrual. This prevented me from monitoring my balance or taking action to mitigate interest. This situation reflects : - Failure to provide required notice of material changes- Misleading or inconsistent written communications - Failure to provide periodic billing statements- Improper accrual of interest without adequate disclosure I am requesting : - A full review of my account - Removal of improperly accrued interest - Correction of any related account issues I have already submitted a formal complaint directly to Nelnet but am escalating due to the seriousness of these servicing failures.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I disputed a charge for XXXX insurance for {$250.00}. Theyre saying they credited my account the day that my direct deposit went in when I had just been talking to them every single day and nothing was being done about it so it never shows that that transaction was done that the credit was issued to my account. It says it was credited on XX/XX/XXXX which is like four or five days after I filed the dispute which is not correct because I checked my account now daily I didnt used to do that, but I do now and that money was never put on my account not once so I feel like they are trying to say they added the funds but they didnt so they owe me that money still and theyre saying they dont but they do the transaction says XX/XX/XXXX. Theyre saying XX/XX/XXXX. It doesnt make any sense somebody was never added. Ive done all the math and its not there.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: InDebted Corporation
State: FL

Complaint narrative:
I am submitting this complaint regarding an alleged debt being reported and collected by InDebted on behalf of XXXX XXXX ( XXXX ), in the amount of {$8000.00}. I dispute this debt in its entirety as I have no knowledge of these accounts, nor have I entered into any agreement or transaction that would justify such obligation. Upon receiving notice from the debt collector, I promptly exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, by formally disputing the debt and requesting full validation. Despite this, the collector has attempted to enforce collection without providing competent, verifiable evidence that I am legally responsible for the alleged accounts. Additionally, any attempt to report or maintain this debt on my credit file without proper validation constitutes inaccurate and misleading reporting under the Fair Credit Reporting Act ( FCRA ), including violations of 15 U.S.C. 1681e ( b ) and 1681i. The continued collection activity and potential reporting of an unverified debt raise serious concerns about compliance with federal law and the protection of my consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Servicer under contract with Federal Student Aid
State: NY

Complaint narrative:
My debt was bought by a private company And 1 of my income tax check was taken. There was a lawsuit against them already.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 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: GA

Complaint narrative:
On XX/XX/year> I sent a payment for a deposit on a home to rent that I was lead to believe I had an approval for. The amount for the deposit on the home was {$1800.00}. After a few days I did not receive the information on the home as promised. So I requested and ask for my money back and was ignored and the move in date was suppose to be set for XX/XX/year>. The day before I got suspicious and realized this cant be real and prayed I wasnt scammed. I politely texted the person on XXXX XXXX and ask them to kindly send my money back as move In is set for tomorrow and I dont even know if the house is fully electric the power company lease or anything. As I continued to request my money I made Cash App very aware of what was happening. On XXXX XXXX I summited a scam report on the transactions that were sent to this person XXXX XXXX .. XXXX XXXX XXXX XXXX XXXX. This lady offered me services for a home approval. Like a second chance program if you have low credit etc .. my reports was denied on XXXX XXXX so I summited another in the same day and it was denied on XX/XX/XXXX I believe. Even though Ive sent screenshots of the conversation, the text requesting my money back, the lady saying Im approved, the deposit and move in cost she stated. Also the transaction activity in which they can see anyway I was still denied. I explained the misleading situation to them throughly. The steps, the request for money, the edited document saying Im approved all the above. This situation has me 1 step from homelessness for me and my kids. I work hard for my money and just thought I had a chance with someone saying they can help me get a home. Ive had to put my things in storage and pay movers and me and my kids are on the floor because I keep getting denied my money back. As I thought Cash App had some law of protection policy against scammers and also thought they can operate like a bank XXXX bank and XXXX XXXX and we are insured. I feel my investigation was not handled properly. I then summited another claim in which is my third time and Im in bad thoughts that it would be denied again and Ill be on the street with kids due to this and want to put it behind me so bad. I have since been approved for a home and cant even move in due to lack of money and yet Ive sent this lady my money to move into a home. If any help can be provided please advice me how. Not that I want to make this a complicated situation I just want it all behind me and know how to move forward from now on and just hope someone can advocate for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: UT

Complaint narrative:
I purchased a roundtrip flight from XXXX for my family 's XXXX vacation to the XXXX for the total amount of {$5000.00} in XX/XX/year>. Our flight from XXXX to XXXX got cancelled by the airline in XXXX, and I got refunded for it in the amount of {$2600.00}. We kept the returned flight ( XXXX - XXXX ) and we booked a new flight from XXXX to XXXX. I purchased our seats XX/XX/year>, 9 days before our returned flight ( XXXX to XXXX ). On the day of our returned flight ( XXXX - XXXX ), as we were checking in - we got denied at the check in counter as they are saying we don't have confirmed booking reservations- to make the long story short - XXXX XXXX exchanged our tickets and one of the connecting flights with our ticket was probably not aware of it, causing our names not to show in their list of passengers, but weirdly enough, we were able to pay for our seats 10 days before our flight using our booking confirmation. I called XXXX, and they were no help rebooking us. I had to buy a new flights in order for us to go back home. After calling with XXXX XXXX, they have refunded the travel agency for our returned flight on XX/XX/XXXX but XXXX is holding the funds and denying they have been refunded. On XX/XX/XXXX, I filed dispute ( Dispute # : XXXX ) on XXXX but they denied it because it was a valid purchase. It was a valid purchase but the service was not rendered! We got denied at the check-in counter and unable to board the flight. I have to spend more money to buy new tickets to go home. I have a valid reason to dispute the remaining balance of {$2300.00} for that returned flights. It already gave us enough stress mentally, emotionally, and financially. How is this fair to reject the dispute?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An international wire transfer was successfully initiated from my account in XXXX. I received a receipt telling me that the transaction was successfully completed. The transaction was personal for immediate use with paying personal bills. The bank is XXXX XXXX XXXX XXXX. The receiving bank is Wells Fargo Bank in XXXX XXXX, California. Th wire was from personal checking in XXXX to personal savings in XXXX XXXX. I received word today from the XXXX representative that Wells Fargo Bank is requesting a {$1800.00} payment for purchase of a Branch Identification Number which it currently does not have. In the meantime the transaction is being reversed back to XXXX until the {$1800.00} is paid. The incoming wire was for {$7500.00}.

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
Consumer complaint received 2026-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: CA

Complaint narrative:
MOHELA stated to me that they are not responsible for reimbursing my over payment. They said that it would be up to Dept of Education office of Federal Student Aid. I have made 17 extra payments. I have emailed/called both places numerous times. When I call Dept of Education they said there are many program and it's takes a while to process up to several months. My case number is # XXXX. My loans were forgiven on XX/XX/year> under the PSLF program. I have not received anything from anyone. Hoping I can get some help.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: CA

Complaint narrative:
I am filing a complaint against XXXX a third-party debt collector claiming to collect on behalf of XXXX XXXX for an alleged XXXX XXXX Account ( last four digits XXXX ) in the XXXX. I previous disputed this debt and requested validation. XXXX has contacted me via email but has failed to provide proper written validation as required under the Fair Debt Collection Act ( FDCPA. To date I have not Received : A copy of any signed agreement A complete chain of title from the original creditor to XXXX Funding Proof that XXXX is Authorized to collect this debt A full accounting of all alleged balances Despite all this collection efforts continue which is a violation of federal law I am requesting that immediate cessation of all reporting until proper validation has been done. Removal of any reporting relate to my credit report. If this violation continues, I am prepared to pursue legal action for damages under FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
I am disputing inaccurate and misleading credit reporting by Cavalry Portfolio Services. This account is being reported with Cavalry Portfolio Services listed as both the collection agency and the original creditor. Cavalry Portfolio is a debt buyer and is not the original creditor, making this reporting factually incorrect. Additionally, this account continues to be reported as open and updated monthly despite being disputed, without proper validation being provided to me. The account also contains duplicated dispute remarks, which raises concerns regarding the accuracy and reliability of the information being furnished. I have previously attempted to dispute this account, yet the inaccurate reporting continues without correction. Under the Fair Credit Reporting Act ( FCRA ), all information reported must be complete, accurate, and verifiable. Cavalry Portfolio has failed to meet these requirements. Due to the inaccurate reporting, lack of proper validation, and misrepresentation of the original creditor, I am requesting : Immediate deletion of this account from all credit reporting agencies A full investigation into the accuracy of this account Written confirmation that this account will no longer be reported If Cavalry Portfolio can not provide complete and verifiable documentation, this account must be permanently removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: TX

Complaint narrative:
I called on multiple occasions after the charge off information was sent to me requesting the 1099 for the charged off amount. Multiple agents said they would make note. No 1099 received.

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 2026-04-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: LA

Complaint narrative:
I rented a property through the creditor whom is called XXXX XXXX XXXX XXXX on XXXX of XXXX and I moved out of this location on XXXX of XXXX. Before I moved out of this location, I talked to the creditor, giving them a 30 day notice, and had no problems taking these actions. I made sure all of my belongings were removed from this property and turned my keys in without there being any issues. I noticed a debt collection on my credit report days after it showed up on there which was on XX/XX/XXXX, which was being collected by Hunter Warfield inc. I called Hunter Warfield inc and spoke with representative XXXX XXXX on XX/XX/XXXX at XXXX, to have this debt collection disputed. After giving her the account number, she then pulled up my information and was also able to see documents i wasnt able to see on my end. She explained to me that the reason I was being charged by the creditor was because i didnt give her a written statement which she said, based off of what she was reading, resulted in a two month charge of rent and I was also being charged for a cleaning fee, which i definitely couldnt understand because the house was cleaner when I moved out than it was when I moved in. I then stated Well I spoke with this creditor and gave them a 30 day notice, and they didnt warn me to write a written statement to send to them, and they also didnt tell me anything when i turned my keys in. From my understanding everything was good between us. I also asked If they called and didnt get any answer from me, reaching out about these matters, why didnt they email me any documents stating what I owe and why I owe it? All I have is emails from the debt collector stating that I have to pay up, thats it! I started receiving these emails on XX/XX/XXXX. I didnt get anything before that dealing with this matter! The representative then stated Well they didnt have your email, just phone numbers., which is a lie. I then asked Well how were you guys able to send me emails stating that I have to pay this debt? She then stated We dont know. The representative pretty much gave me a hard time over the phone. I dont truly even know if that is really that persons name because she spelled it one way then said Wait its spelled this way. I was also denied my debt verification letter when I asked for it to be sent to my email. The problem I have with all this is that I stayed well past my lease agreement and afterwards I was just paying my rent month to month, so I shouldnt be facing any of these charges made to me years later!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: TX

Complaint narrative:
I am submitting this complaint regarding the handling of my account and to formally state my intent to have this account closed and removed. I entered XXXX XXXX XXXX, during which time I had extremely limited to no access to my phone, internet, or any outside communication. Because of this, I was unable to access my account, receive notifications, or make payments toward my balance for nearly a year. My absence was due to required XXXX XXXX, not neglect or refusal to pay. I was not provided a reasonable opportunity to manage my account or make arrangements during this time. Upon graduating from XXXX XXXX, I discovered that my account had gone into default and the vehicle had been repossessed. Given these circumstances, I am requesting that this account be closed immediately and that any associated negative reporting be reviewed and removed, taking into consideration my XXXX XXXX XXXX status during the time in question. I also request that this account not be sold or transferred to any third-party collections. I expect written confirmation once this request has been completed. Thank you for your time and attention to this matter.

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