vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-26 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: KY

Complaint narrative:
I am formally requesting escalation and administrative review of my federal student loan account due to ongoing issues involving delayed processing of my Income-Driven Repayment ( XXXX ) application, inaccurate payment calculations, and lack of timely communication regarding my account. I initially contacted MOHELA beginning in XX/XX/XXXX requesting that my loans be removed from in-school deferment, consolidated, and placed into an appropriate Income-Driven Repayment plan while also pursuing Public Service Loan Forgiveness ( XXXX ) . I submitted the required applications and supporting documentation and subsequently sent multiple follow-up communications through email, fax, and the MOHELA portal throughout XXXX. Despite these repeated attempts, I did not receive a substantive response until XX/XX/XXXX. At the time of my requests, my annual income was approximately {$55000.00}, and my current income is approximately {$60000.00}. I am also a full-time doctoral student and a single parent supporting XXXX dependent child. Based on federal IDR discretionary income calculations, the payment amount currently assigned to my account appears substantially inconsistent with what would typically be expected under available XXXX plans. However, no explanation, calculation worksheet, income determination summary, or breakdown of how my payment amount was calculated has been provided despite my repeated requests. I am requesting the following immediately : A complete written explanation of the calculation used to determine my current monthly payment amount, including : family size used, adjusted gross income used, repayment plan applied, discretionary income calculation, and the formula used to determine the payment amount. A full review of whether my IDR applications and supporting documentation were processed correctly and in a timely manner. Administrative review of whether my account qualifies for retroactive correction, administrative forbearance, or adjustment due to servicing delays and failure to timely process my requests. Confirmation regarding the current status of my XXXX eligibility and consolidation requests. Escalation of this matter to a supervisor or ombudsman-level representative for review. Given the length of delay, lack of communication, and apparent discrepancies in payment calculations, I am also preserving documentation related to this matter for submission to Federal Student Aid and the Consumer Financial Protection Bureau if necessary. Please provide a written response within XXXX business days. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I have been receiving emails that my hyperwallet account has funds in it from a company I used to work with that has since closed business. When I try to login to Hyperwallet it says my password is invalid, when I click the link to forgot password it sends me an invalid link to a 404 error page. When I try calling I just get an answering machine. I have no way of accessing my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: IL

Complaint narrative:
I am submitting this complaint regarding my mortgage servicers handling of insurance claim proceeds following significant flood damage to our home. Our homeowners insurance claim totaled approximately {$100000.00}. Because the amount exceeded the lender threshold, both we and our mortgage company were named on the insurance check. The mortgage company deposited the funds and retained control over disbursement of the insurance proceeds. We have complied with all requested requirements and submitted the requested documentation. Repairs began and we have already paid substantial amounts out of pocket in order to keep the project moving. To date, the mortgage company has released approximately {$40000.00} of the insurance proceeds. We now owe our XXXX approximately {$60000.00} to complete the repair work. Despite holding the remaining insurance proceeds, the mortgage company advised that it will release only an additional {$4000.00}. The explanation provided is that the project appears over budget and that an inspection reflects the project is approximately 32 % complete. However, the XXXX has separately advised the mortgage company that their portion of the work is nearly complete. Portions of our project exceed the original insurance estimate because we voluntarily chose certain upgrades and scope additions. We are not requesting that the mortgage company fund elective upgrades or expanded work beyond the insurance claim. The mortgage company appears to be using the total expanded project budget rather than separating homeowner-funded additions from the original covered repair work. As a result, insurance proceeds intended for covered repairs are being withheld while we are required to continue advancing significant personal funds. By using a % of completion model XXXX is expecting us to use personal funds upfront to pay the XXXX to complete the project. This process has created an unreasonable burden and is preventing timely completion of restoration work. The lender is effectively requiring us to finance covered repairs personally while continuing to retain insurance proceeds intended for those repairs. Throughout our dealings with Shellpoint, numerous follow ups are required to receive a response. The " dedicated '' email address provided is rarely responded to despite numerous attempts. We are requesting assistance in obtaining : XXXX. Timely release of remaining funds XXXX. A prompt review and resolution of the handling of these insurance proceeds. We are seeking transparency, a reasonable review process, and release of insurance funds attributable to covered repairs so that restoration of the property can be completed. XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal permanently limited my account and sent me an email on XX/XX/scrub> 2025 stating I could withdraw my remaining balance of {$600.00} after XX/XX/XXXXdays. That period has passed. When I attempt to transfer my funds, the system returns an error and blocks the withdrawal. I am requesting immediate release of my {$600.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XX/XX/year>2026 : I purchase hallal food at cart, cart does not have prices on cart, I get quoted XXXXXX/XX/XXXXthis is fine. Merchant takes card and uses XXXX to scan card. XX/XX/scrub> 2026 : Transaction clears, merchant added XXXX XX/XX/XXXXmisc mark up XX/XX/year>2026 : I start dispute withXX/XX/XXXX company over transaction. I am refunded XXXX XXXX XX/XX/year>2026 : Merchant uploads vague receipt XX/XX/XXXX itemization ( no clear items or goods/services listed ), XXXX closes dispute XX/XX/XXXX sides with merchant Given Capital One wants to me call/file a letter, I am just going to complain here as this is unacceptable of a major credit card company. I've been with them for years and this kind of process is unaccpetable. Especially as this is a known scam happening in XXXX ( outside of bars/club venues ). I expected better from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
Chase closed my account on XX/XX/26 and informed me remaining funds would be mailed within 10 business days. As of today, I still have not received the check and customer service is now giving inconsistent information and delaying the timeline further. I need confirmation of when my funds will be released and mailed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Admin Recovery, LLC
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXX/XX/year> Admin Recovery LLC XXXX XXXX XXXX, XXXX XXXX XXXXXX/XX/XXXXXXXX Subject : Request for Goodwill Removal and Investigation of Fraudulent Collection Account To Whom It May Concern, I am writing regarding a collection account currently being reported under my name by your company. After carefully reviewing my credit reports and personal records, I do not recognize this account and believe it may be the result of fraud or identity theft. I respectfully request that your office conduct a thorough investigation into this matter and provide full validation of the alleged debt, including : A copy of the original signed agreement or contract Documentation showing I authorized or benefited from this account Complete payment history and account records Proof that the account legally belongs to me At this time, I have no knowledge of entering into any agreement related to this alleged debt. Additionally, the reporting of this account has caused significant hardship and damage to my credit profile. As a gesture of goodwill and fairness, I respectfully request the immediate removal of this collection account from all credit reporting agencies if you are unable to provide sufficient proof that the debt is valid and legitimately mine. Under the protections provided by the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that inaccurate or unverifiable information be deleted promptly. Please note that I am formally disputing responsibility for this account and request written confirmation of the results of your investigation within XX/XX/XXXX days. Thank you for your time and attention to this matter. I hope we can resolve this issue quickly and professionally. Sincerely, XXXX XXXX

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 2026-05-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: FCI Lender Services Inc.
State: TX

Complaint narrative:
I am submitting this complaint regarding serious concerns involving the servicing of my mortgage loan by FCI Lender Services , Inc . I am currently approximately XXXX months behind on my mortgage due to financial hardship. The estimated arrearage is approximately {$7300.00} plus additional fees, costs, and charges that have not been fully explained or itemized. My household gross monthly income is approximately {$3900.00} per month. Despite my efforts to pursue loss mitigation assistance and a reasonable loan modification, I have concerns that the servicer has failed to properly evaluate affordable workout options and has not provided adequate transparency regarding the status of my account, fees assessed, and available foreclosure prevention alternatives. The lowest payment they are offering is over {$1600.00} at greater than XXXX % interest.

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 2026-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: CA

Complaint narrative:
My dad passed away XX/XX/year>. A month after his death i closed his chime account and requested for the remainder of the balance. Chime informed me that I would need to fill out a small estate form and to have it notarized. So I did the affidavit but the first one I did was the wrong state. So I did the correct state that my dad died in. I had it filed and also had the fees waived. The judge sent me back an Amended small XXXX XXXX. Labeling me to be the sole beneficiary. I sent it to Chime. Now they dont want to send me the closure check. They havent returned none of my calls. Ive called in several times and talk to managers but all they say is someone will reach me within 48hours but that never happens. Ive been dealing with this for several months now. And they still fail to send me a closure check and they have all the correct paperwork. I dont know what to do next.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-26 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
On or around XX/XX/year>, a hard inquiry was placed on my credit report by " CITIBANK NA., XXXX XXXX '' under reference number XXXX for a My Best Buy Store/XXXX Credit Card. This application was processed entirely without my consent. I was at the store location and explicitly instructed the sales associate NOT to run my credit and NOT to submit any credit application. Despite my clear and direct instruction, the store representative proceeded to access my credit file and submit the application without my authorization or permission. I subsequently received a decline letter from Best Buy Credit Services ( Citibank , N.A . ) dated XX/XX/year>, with Reference Number XXXX, confirming this unauthorized application was processed. Under the Fair Credit Reporting Act ( FCRA ), a creditor must have permissible purpose to access a consumer 's credit file. Accessing my credit score after I explicitly declined the offer is a severe violation. I am in the final stages of an active home mortgage process. This unauthorized inquiry is actively damaging my credit standing. I request that Citibank , N.A . investigate this unauthorized store-level application and immediately instruct XXXX to delete this inquiry from my credit file.

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 non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: IL

Complaint narrative:
Columbia Debt Recovery is reporting a collection account on my consumer credit report that I dispute as inaccurate, incomplete, and not properly verified. The account is reporting a balance of {$4500.00}, while the original balance is listed as {$4300.00}, and I have not been provided a clear itemized accounting explaining the increase, including any rent, fees, interest, damages, credits, or payments. The reported original creditor is listed as XXXXXX/XX/XXXXXXXX. I am requesting that Columbia Debt Recovery provide complete validation and verification of this alleged debt, including the original signed lease or contract, a full itemized balance breakdown, proof that Columbia Debt Recovery owns the debt or has legal authority to collect it, the date of first delinquency, and documentation showing how the reported balance was calculated. I previously disputed this account, but the account continues to report without complete documentary proof being provided to me. I believe the reporting is inaccurate, incomplete, and/or unverifiable. If Columbia Debt Recovery can not provide complete documentation proving the accuracy of the account, balance, ownership/collection authority, and date of first delinquency, I request that the account be deleted from XX/XX/XXXXand XX/XX/XXXX I am requesting a reasonable investigation, correction of any inaccurate information, deletion of any unverifiable reporting, and a written explanation with supporting documents.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-05-26 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am submitting this complaint against I.C System , Inc. regarding a derogatory remark appearing on my consumer credit report for an alleged debt that I do not recognize and have not received valid verification of. On or around XX/XX/year>, I became aware of a derogatory entry on my credit report placed by I.C. System, Inc., reflecting an alleged balance of {$210.00} associated with an alleged original creditor that is unknown to me. I have no knowledge of this account, no recollection of entering into any agreement with the original creditor and have received no prior notice or communication establishing this as a valid obligation. To date, I have not received adequate validation of this debt. Despite this, the derogatory remark remains on my credit report, which constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, which prohibits furnishing inaccurate information to consumer reporting agencies. I also submitted a formal dispute to XXXX and XXXX on XX/XX/year>, requesting investigation and removal of this unverified tradeline. I respectfully request that the CFPB : Investigate IC, System Inc for failure to validate the alleged debt prior to continued collection activity and credit reporting Direct the agency to immediately cease reporting this unverified derogatory item to all consumer reporting agencies Require the agency to provide full and compliant debt validation, or permanently cease collection efforts on this alleged account Note any pattern of similar conduct by this agency in the CFPB complaint database

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 2026-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: MoneyLion Inc.
State: NC

Complaint narrative:
On XX/XX/year>, I paid off my loan with MoneyLion and requested for my remaining funds ( {$930.00} ) to be deposited into my savings account. The deposit was supposed to arrive on XX/XX/year>. When I checked the app that morning, it initially showed the funds as delivered, but after refreshing the app, the status changed to on hold. I immediately contacted MoneyLion customer service and was told that my checking account rejected the deposit. However, I never requested the funds be sent to a checking account I specifically selected my savings account. Representatives then told me I needed to update my account information to a checking account instead. I have done this multiple times as instructed. Over the past 10 days, I have made numerous phone calls and support requests regarding this issue. Every representative continues to tell me to wait another 35 business days, but no one has resolved the issue or released my money. I have also repeatedly asked to speak with a supervisor or manager and have been denied every time. At this point, MoneyLion is holding {$930.00} of my money with no clear explanation, timeline, or resolution. I fulfilled my obligation by paying off my loan, yet the company continues to delay returning my remaining funds. The lack of communication, refusal to escalate the issue, and constant delays have caused unnecessary financial stress. I am requesting that MoneyLion immediately release my {$930.00} and provide a clear explanation as to why my funds were placed on hold after being marked as delivered.

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 2026-05-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: KEYCORP
State: PA

Complaint narrative:
I called the XXXX number on a letter from KeyBank XXXX XXXX XXXX about a payoff fee they want me to pay. The loan was paid in full in XXXX. They refused to let me speak to a manager, keeping me on hold and not responding. I tried to call my local branch of Key Bank on XXXX XXXX in XXXX, PA but the person I spoke to would not work with me and insisted I go to a branch in person. No one is responding with the details of why they are charging me.

Company response to consumer: Closed with explanation