vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: States Recovery Systems, Inc.
State: CA

Complaint narrative:
States Recovery Systems sent actual debt-related documents/images directly to my mobile phone by text message. These documents identified me and contained private debt information. The problem is that this company sent the documents without first verifying that the number belonged to me, and in fact the number they were using was wrong in their system. Because the number was wrong or unverified, sending debt documents by text created a risk that my private financial information could be disclosed to someone other than the intended consumer. This was not a neutral request to call them back. It was a direct transmission of debt information by MMS/SMS to an incorrect or unverified number. I am requesting an investigation into whether this communication was an improper third-party disclosure and whether the company failed to maintain reasonable procedures before sending debt information electronically. I also want an explanation of how they obtained and used this number, what procedures they use to verify numbers before sending debt-related text communications, and confirmation that they will stop all text communications to this number. XXXX XXXX AND XXXX XXXX were both involved.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
On XX/XX/year>, a Coinbase specialist provided me with explicit technical instructions to transfer XXXX XXXX via the XXXX XXXX to my Coinbase Wallet as a " viable path '' to recovery. I followed these instructions in good faith. On XX/XX/year>, the Coinbase Escalation Support Team officially admitted in writing ( Case # XXXX ) that the guidance provided was " incorrect '' and " inaccurate. '' Coinbase now formally concedes that their professional negligence directly led to the total loss of my funds. Furthermore, in their final review, the Escalation Team demonstrated continued administrative negligence by auditing an unrelated amount of XXXX XXXX instead of the actual {$40000.00} loss clearly documented in the transaction hash I provided. The company admits fault but refuses to provide a financial remedy for the damages caused by their material misrepresentation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
On XX/XX/year>, I updated my address with American Express after moving. In XX/XX/year>, my credit card account was closed due to inactivity. Prior to the closure, a replacement card had been issued, but I never received it at my updated address. Because I did not receive the replacement card, I was unable to activate or use the account. I contacted American Express and explained that the inactivity was due to not receiving the card after my address change. I requested reconsideration and reinstatement of the account, but was told by multiple representatives and a supervisor that no exceptions could be made. As a result of the closure, my available credit decreased significantly, negatively impacting my credit score. I am requesting that this be reviewed as a delivery issue following a confirmed address update, and that the account closure be reconsidered.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I was scammed by individuals impersonating a bail bondsman in XXXX XXXX, GA. They contacted me via text message and provided fake business cards posing as a legitimate bail bonds company. I sent {$500.00} via XXXX and {$660.00} via XXXX believing I was paying to release my sister from jail. I filed a fraud claim with Wells Fargo. They initially refunded the {$660.00} but then reversed it approximately 30 days later, putting my account in the negative. They also denied my {$500.00} XXXX claim entirely. I have a police report filed with XXXX XXXX Police documenting this as fraud/impersonation. Wells Fargo has failed to protect me as a fraud victim and improperly reversed a refund they already issued. I am requesting both amounts totaling {$1100.00} be returned to my account immediately.

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 2026-04-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Receivable Management Services LLC
State: TX

Complaint narrative:
I am submitting a complaint regarding an invalid debt that has been sent to collections by XXXX. I requested termination of my XXXX policy effective XX/XX/XXXX, in accordance with their required cancellation process. In subsequent phone conversations with XXXX, I was informed that my policy did in fact terminate on XX/XX/XXXX. However, I was then told that the policy was somehow renewed in XX/XX/XXXX, despite the fact that I did not request, authorize, or consent to any renewal of coverage. As a result of this unauthorized renewal, I was billed for XX/XX/XXXX, and a balance of {$590.00} has now been sent to collections ( Receivable Management Services LLC ). I have made numerous attempts to resolve this issue directly with XXXX via phone and chat, spending several hours on hold and speaking with multiple representatives, but no resolution has been provided.

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 2026-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I am submitting this complaint regarding a collection account reported by Caine & Weiner on my credit report on behalf of XXXX. I dispute the validity and accuracy of this debt. I have not been provided with sufficient documentation to verify that this debt is legitimate or that I am legally responsible for it. Additionally, I am requesting proof that Caine & Weiner has the legal authority to collect on this account. This account is currently being reported as a collection, which is negatively impacting my credit profile. Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I have the right to proper validation of any alleged debt. I am requesting full validation of this account, including documentation from the original creditor, the full account history, and proof of my obligation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 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: TX

Complaint narrative:
On XX/XX/year>, I placed an order with XXXX ( XXXX ) for {$110.00}. The entire order was missing and never delivered. On XX/XX/year>, I contacted XXXX support and spoke with a specialist named XXXX. During this recorded chat, the specialist explicitly admitted the error and offered me three options for resolution. I selected " Option 2, '' which was a full refund to my original payment method. The specialist confirmed this selection and stated the refund was being processed. Despite this written agreement from the merchant, the refund never arrived. I initiated a dispute with Capital One ( XXXX # XXXX ). Capital One initially provided a provisional credit but has now reversed it, claiming a " valid merchant response. I have provided Capital One with the timestamped chat transcript proving the merchant promised a refund, but they are ignoring this evidence and siding with the merchant 's automated rebuttal. This is a clear case of " Services Not Rendered '' and a failure by the bank to honor documented merchant refund confirmations under the Fair Credit Billing Act. I am requesting that the charge be permanently removed as the merchant has already admitted fault in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Card Acquisitions Group
State: WA

Complaint narrative:
Im in the process of trying to buy a house with my VA loan as I am a XXXX veteran, a Debt popped up on my credit report ( XXXX ) that I have never seen in my life and they have been reporting since XXXX the Law firm is called Foster and Monroe the original creditor is XXXX XXXX XXXX the thing is I know nothing about this debt and only herd of XXXX XXXX XXXX in XXXX approximately when I was in the XXXX over 20 years ago but I never done business with them to my knowledge. I disputed it with the credit credit bureau but that did nothing and the debt is {$7800.00} which I have never bought anything outside of a car for that price, this isnt my account or my debt

Company response to consumer: Untimely response
Consumer complaint received 2026-04-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Notice to repossess
Company: Mercedes Benz Financial Services
State: MD

Complaint narrative:
I am disputing a repossession account currently being reported under MB FIN SVCS as inaccurate and unlawful. The creditor failed to provide me with the legally required Right to Redeem notice before selling or disposing of the vehicle, as mandated under UCC 9-611 and applicable state laws. I never received this notice, which violated my rights and disqualifies them from collecting any deficiency balance. Because of this failure, the reporting of this repossession and any remaining balance is inaccurate, misleading, and damaging to my credit report. Furthermore, under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ), furnishers of information must report accurate and complete data, which they failed to do in this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I established a new credit card account with Wells Fargo. In order to access online services to manage my new credit card account they are requiring me waive my right to a class action and agree to give up my right to a jury trial and arbitrate. They do not give an option to opt out of these waivers. I have called customer service and their Customer Advocacy Department and been advised there is no opt out procedure. My reference number for the complaint is XXXX. This is wrong behavior and needs to be addressed by this regulatory body, particularly in light of Wells Fargos past bad conduct with respect to their customers.

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 2026-04-09 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: Revolut Technologies Inc.
State: CA

Complaint narrative:
The bank is ignoring the fact that the merchant 's evidence does not show authorization for a second charge, only proof of a flight. They are refusing to acknowledge a clear double-billing error. Revolut has failed to refund an involuntary downgrade & processing an unauthorized EFT. On XX/XX/XXXX my wife purchased an airline ticket with XXXX XXXX XXXX XXXX ) and at that time paid for seat upgrades on both legs of our flight on XXXX XXXX. On the leg that is in dispute, we paid for an upgrade to what was represented as a bulkhead seats 8D & 8E. These were paid on a XXXX XXXX XXXX. On XX/XX/XXXX I went on the XXXX XXXX site and purchased an extra bag for our flight, on my Revolut debit card ( Bank ). On XX/XX/XXXX I noticed 2 charges on my Revolut debit card and had no idea at that time what they were for and how XXXX got the information from my Revolut debit card to make these unauthorized charges. My assumption is that they kept the information from my extra baggage purchase 2 days earlier. On XX/XX/XXXX I chatted with XXXX and learned that our previous seats we purchased ( 8E and 8D ) the row 8 didnt exist and similar seats, 13ED, were assigned. I wasnt able to pull up my bookings as they had my name wrong and I immediately, filed a claim and dispute with XXXX as we had paid for these seats and not only would we want a refund for the seats 8DE that we previously paid for but also the double charge and unauthorized charge on my Revolut debit card. XXXX hasnt responded to me, and we decided we would discuss the problem at the gate when we depart the following week. I uploaded a photo of the person we spoke with at the gate who told my wife and myself not to worry that they gave us an exit row which would be similar to the bulkhead we purchased. He said we can dispute these additional charges later as he couldnt help us. When we got on the plane, the seats were not an exit row ( exit row was row 12 & photos were uploaded to Revolut ) and just standard seats that we would have never paid extra for. Furthermore, seats 8E & 8D did exist but were not a bulkhead ( photos submitted ). Recently I was told by Revolut that my dispute was declined but I never received an explanation from Revolut how they came to that conclusion after all the evidence I sent them. I was told they received a response from XXXX which I hadnt been given, nor a chance to see, and make a rebuttal. I recently received the docs that XXXX sent Revolut which were only their internal charges for seats we previously paid for, and no other evidence. Revolut initially told me that this was fraud and canceled my card and I had to pay to receive a new debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SOFI TECHNOLOGIES, INC.
State: NY

Complaint narrative:
There were several fraudulent transactions made using my card. I did not authorize nor approve any of these transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/year>, I reported unauthorized transactions totaling {$1800.00} on my Capital One account ending in XXXX ( Claim # XXXX ). I did not authorize these transactions and I am a victim of fraud. At the time of the transactions, my card was either lost or stolen, and my PIN had been compromised without my knowledge. I did not provide my card or PIN to anyone, nor did I benefit from any of these transactions. Capital One denied my claim stating patterns of account, claim, or transaction activity, but did not provide specific evidence showing that I authorized these transactions. This explanation is vague and does not address the fact that the transactions were unauthorized. I am requesting the following : A full reinvestigation of my claim Copies of all evidence used in the decision ( including transaction logs, merchant verification, and any surveillance footage if applicable ) Reimbursement of the unauthorized amount of {$1800.00} Confirmation of how Capital One determined I was responsible for these transactions I have acted in good faith and reported the fraud promptly. I am requesting fair treatment under consumer protection laws and a proper review of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am filing a complaint regarding a debt collection account currently being collected by Midland Credit Management. I previously sent a written request for debt validation pursuant to the Fair Debt Collection Practices Act, requesting documentation demonstrating the companys legal ownership of the account, including a bill of sale, assignment agreement, and account-level proof that this specific account was transferred to them, as well as an itemization of the alleged balance. The company responded and provided copies of prior creditor billing statements and a letter indicating that the account was sold. However, the company did not provide sufficient documentation demonstrating that this specific account was legally transferred to them. The response did not include a bill of sale, assignment agreement, or account-level proof of ownership. Despite failing to provide this documentation, the company continues to attempt to collect the alleged balance. Without proper proof of ownership, the company has not substantiated its legal standing to collect or the accuracy of the amount being claimed. I attempted to resolve this issue directly with the company, but the response did not address the core issue of ownership verification. As a result, I am seeking assistance to ensure that collection activity ceases unless proper documentation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I am submitting this complaint regarding a loan issued by XXXX that I obtained under coercion as part of a cryptocurrency investment scam. Between late XXXX and early XXXX, I was targeted by individuals posing as investment advisors through an online platform associated with XXXX XXXX, as well as communications through a group referred to as the XXXX XXXX XXXX and individuals including someone identifying as XXXX. During this time, I was shown what appeared to be legitimate trading activity and profits within the platform. I personally witnessed account balances reflecting gains, which led me to believe the investment activity was real and successful. However, I was later told that due to market volatility, my account experienced what they called a forced liquidation, resulting in significant losses. Immediately following these events, I was placed under intense pressure to deposit additional funds to recover the losses and regain profitability. This pressure included repeated statements that I needed to act quickly to avoid missing recovery opportunities. I was told that taking out loans was a reasonable and necessary step because the trading system would generate enough profit to repay them quickly. As a result of this manipulation, I took out a high-interest loan through XXXX. I now understand that the profits I saw were not real and were part of the scam used to gain my trust and push me into further financial commitments. I am not an experienced investor and relied on the guidance I was given, which was deceptive and exploitative. I ultimately lost substantial funds, including retirement savings, and the individuals involved have since stopped communicating. I am currently living on limited fixed income and can not reasonably afford the loan payments. This situation has caused severe financial hardship, including difficulty affording basic living expenses. I am requesting the following from XXXX : A full investigation into this loan given the fraudulent and coercive circumstances Placement of the account into a hardship program Reduction or elimination of excessive interest and fees Consideration of principal reduction or other relief options Suspension of collections activity while this matter is under review This loan was not taken out under normal circumstances but rather as a direct result of manipulation, deception, and coordinated fraudulent activity. I am also filing reports with federal authorities regarding this fraud. I respectfully request that XXXX work with me toward a fair and compassionate resolution given the circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: LA

Complaint narrative:
In XXXX, I was enrolled in an income-driven repayment ( IDR ) plan with a monthly payment of approximately {$310.00}. I am employed in qualifying public service and have been attempting to maintain an affordable repayment plan consistent with federal program requirements. In XXXX, I submitted a request to enroll in or maintain an IDR plan. MOHELA denied my request, citing administrative reasons including that I selected multiple plans or did not select a plan, as well as external implementation issues related to federal injunctions affecting IDR processing. Following this denial, MOHELA did not provide clear guidance or take corrective action to place me into an appropriate repayment plan. Instead, my monthly payment was increased to approximately {$980.00} {$990.00} without resolution of my IDR request. As a result of this change : 1. My required monthly payment increased by more than three times without a proper transition to an affordable plan 2. My account became delinquent, with approximately {$3000.00} {$4000.00} reported as past due 3. I was forced to enter forbearance to prevent further financial harm Interest continued to accrue, increasing my total balance 4. My progress toward Public Service Loan Forgiveness ( PSLF ) was interrupted I made a good-faith effort to comply with repayment requirements and to secure an appropriate income-driven repayment plan. However, due to MOHELAs handling of my application and its failure to resolve the issue before billing me at a significantly higher amount, I was placed into an unaffordable repayment structure and became delinquent. I am requesting that my account be reviewed and corrected, including placement into an appropriate income-driven repayment plan, removal or adjustment of any delinquency caused by this issue, and review of any interest or balance increases resulting from this situation.

Company response to consumer: Untimely response