vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Shellpoint Partners, LLC
State: IN

Complaint narrative:
To Whom It May Concern, I am submitting this complaint regarding a late payment reported on my mortgage account that I believe was unfair and caused significant, unexpected damage to my credit. 

Due to a temporary financial hardship, I proactively contacted my mortgage servicer in XX/XX/2025 to set up a payment plan to catch up on two missed months. This plan was set up verbally over the phone, and no written agreement or disclosure was provided to me regarding the timing or potential impact on my credit. 

At no point was I informed that the scheduled payment date under this plan would still fall past the reporting threshold and be reported as late to the credit bureaus. Had I been made aware, I would have paid 1-4 days earlier to prevent any negative impact. 

Despite following the plan as instructed, I received a notification on XX/XX/2025, that my credit score dropped almost 40 points due to this reported late payment. I have been contacting the servicer and speaking with customer service agents for six months, trying to resolve this issue. Only in XX/XX/2025 was I finally told that they can not accept credit disputes online and that I must submit them via mail, even though I have been calling every week or couple weeks since XXXX and none of the representatives ever told me that. 

When I disputed this directly with the servicer, they stated the payment was reported accurately and refused to take corrective action, without addressing the lack of disclosure or explanation regarding the credit impact. 

I am requesting : A review of the call records or servicing notes from the payment plan setup Consideration of a goodwill adjustment to remove the reported late payment Improved disclosure practices for borrowers entering payment plans Recognition of the prolonged difficulty and poor communication I experienced over the past six months Thank you for your attention to this matter. 

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 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited a check I received from a automobile accident on XX/XX/year> from a Law office or {$10000.00}. They gave me {$300.00} and said the check needed to be on hold until they verified it and it could take up to 10 days to clear. On XX/XX/XXXX I started receiving text message from Chase saying my account was under fraud hold and I could not access my account anymore. They held my direct deposit for 1 week. They closed my account, and I still do not know what happened to the check from the law office. I keep getting the run around. The law office said the check cleared on XX/XX/year> but the bank said they could not clear the check. I have never had this happen to me in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
We signed up for XXXX solar in 2023, and they came and installed it incorrectly. The solar doesnt work in fact it charges us when it does get used and so we are facing a higher electric bill and paying for financing of solar panels. We submitted complaints to XXXX, didnt hear back, then they went out of business. Our financing company Goodleap did not change anything about how much we owe ( XXXX now ). 
We tried to contact Goodleap to settle because they put a lien on the solar panels and therefore the house. We have not been able to sell our house in almost two years because of this mess. Now we finally found a buyer and we have until the XXXX to close. 
We hired a lawyer and he said no one has responded to their correspondence either. They said they can try to ask them to remove the lien but dont have any control of it

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NY

Complaint narrative:
On XX/XX/XXXX I sent money transfer with Moneygram to deposit {$200.00} to my bank account in XXXX. As of today XX/XX/XXXX the receiver never received the money. Each time that he goes to the bank that the money is not there. I contacted money on XX/XX/XXXX and XX/XX/XXXX. On both occasions I was given a case number as they opened an investigation. I need to get all my money back as money gram failed to deliver the service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
I entered into a very usurious lease extension agreement due to unexpected medical expenses. I made the payment on time in terms of the agreement. They were to send the documentation via mail. They did not and the lease agreement paperwork expired. I received no notice of that until after the fact and this was during the holidays as well. They now have now reported me to the credit bureau and have reneged on previous claims that this agreement negates that. I am now being forced into another usurious lease extension agreement as they will not reinstate the old one. They said they sent the paperwork through the Ally App, which I told them during the process, I did not have to utilize and requested mail. 

They failed to provide the agreement as requested and agreed upon They took the money anyway They failed to notice that the documents had expired until the following pay period They failed today to assist with claiming technical issues on their end They demand half the payment which I made during illness and then make the full payment due at the end of the lease and they report you anyway to the credit bureau. They take advantage of clients in peril this is predatory lending as they would not fix their original mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
In XXXX, I took out a XXXX student loan for {$3300.00} to attend a Pharmacy Technician program advertised at the University XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ). I only attended for approximately XXXX weeks and withdrew from the program. I later paid the loan in full around XXXX because my father was the cosigner, but I recently learned I should not have been charged the full tuition since I did not complete the program and did not receive any certificate, credits, or benefit. 

I contacted XXXX and Mohela asking for : ( XXXX ) my full loan file, ( XXXX ) enrollment confirmation, and ( XXXX ) refund calculation based on my early withdrawal. Mohela confirmed the loan was disbursed in full to the school, but they stated they have no enrollment record for me and can not provide refund information or proof the funds were used for my education. They told me to locate the school, which appears to no longer exist under that name or program. 

Because the servicers can not provide proof of attendance, refund calculations, or proper documentation, I believe I paid for educational services I did not receive. I am requesting that the loan be reviewed for a refund of the amount paid, including interest, and for a determination of whether the disbursement was appropriate given my minimal attendance. I am attaching the response letter I received for reference.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
In XXXX and XX/XX/XXXXXXXX XXXX XXXX serviced my XXXX XXXX XXXX at two different XXXX XXXX  locations ( XXXX, FL on XX/XX/XXXXXXXX  and XXXX, FL on XX/XX/XXXXXXXX  ). During ignition coil and spark plug service, XXXX XXXX  damaged the intake and ignition wiring and then released my vehicle in an unsafe condition. 

After experiencing brake failure and drivability loss on the highway, I was forced to return the vehicle to XXXX XXXX  on XX/XX/XXXX. Despite having possession of the vehicle and knowledge of safety and drivability complaints, XXXX XXXX  again released the vehicle without detecting or correcting the broken intake piping, vacuum loss, oil starvation, and electrical damage. 

Two independent repair facilities later confirmed that XXXX XXXX left a cracked and leaking intake system, improperly repaired ignition wiring, low oil levels consistent with oil starvation, and engine damage. The vehicle was declared unsafe and unreliable. 

XXXX XXXX  corporate representative later admitted in writing that my case was escalated for corporate review and compiled a damages summary of my expenses, but XXXX XXXX has refused to accept responsibility for the engine damage caused by their negligent releases. 

As a result of XXXX XXXX actions, I incurred thousands of dollars in out-of-pocket repair costs, transportation expenses, oil and parts purchases, and financial hardship while my vehicle remained unsafe and unusable.

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 2026-01-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I will verify the exact billing month at a later time. Around XX/XX/year>, I contacted a live agent at XXXX to transfer my mobile services to XXXX XXXX XXXX At the time of transfer, I did not owe any outstanding balance to XXXX XXXX provided me with a transfer tracking number, and my services were successfully moved to XXXX XXXX XXXX 

Recently, I discovered through the XXXX XXXX app that a company named Diversified Adjustment Services , Inc. reported a debt of {$270.00} to the credit reporting agencies on XX/XX/year>. I was never notified by XXXX  or by the debt collection agency through mail, phone call, or any other form of communication prior to this reporting. 

This unfair and deceptive practice by the debt collector constitutes a violation of applicable consumer protection laws and has negatively impacted my credit score. I am seeking legal relief regarding this matter due to the agencys misrepresentation, lack of proper notice, and unfair business practices

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IA

Complaint narrative:
I requested an explanation for why my newly opened Chase Secure Banking account was locked and scheduled for closure shortly after completing the 10 qualifying transactions required for the {$100.00} promotional bonus. During the process, I also requested and received multiple verifications from Chase support ( via text and phone ) confirming that outgoing XXXX transfers would count toward the promotion. After the closure notice, I emailed Chase and asked a supervisor for the specific reason and for the decision to be reviewed/reversed, but the call was abruptly ended the moment I raised concerns about unfair practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Corp Solutions Inc.
State: AZ

Complaint narrative:
REQUETED A VERIFICSTION OF DEBT WITH ORIGINAL SIGNATURES AND DOCS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: MD

Complaint narrative:
I have been told by " Cashapp '' REPEATED that they're still working on the problem. The settlement of the fraud funds is clear. I provided all evidence which was supposed to be resolved in the Spring of last year. Here we are a year later and I'm still waiting. 
I was defrauding and I would like my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I purchased a service for {$450.00} on XXXX. The merchant charged my card and immediately locked my account, preventing me from receiving the service. I contacted XXXX asking them either to refund the service that I don't have access to or to restore access. They refused to unlock the account and also refused to refund the service, claiming it is non-refundable. 

I then reached out to Amex to dispute the transaction. Amex is upholding the non-refundable clause despite the fact that the merchant refused to provide the service I paid for, which is a violation of the Fair Credit Billing Act.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 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: DISCOVER BANK
State: NY

Complaint narrative:
Name on Card : XXXX XXXX XXXX XXXX used with Discover : XXXX Phone : XXXX Last 4 Digits of card : XXXX : Discover Financial ServicesProduct : Credit CardIssue : Billing dispute / chargeback handling Merchant : XXXX XXXX  Complaint Narrative I am filing this complaint regarding Discover Financial Services handling of a billing dispute involving XXXX XXXX. Despite extensive documentation and multiple escalations, Discover denied my dispute without properly addressing the merchants failure to follow its own stated return process. 

Key Facts XXXX XXXX website states that returns must be initiated through a return ticket / return authorization process. 

I requested a return ticket multiple times and never received one. 

After repeated requests, the merchant provided only a warehouse address in California and instructed me to pay return shipping myself. 

This contradicted the merchants stated return procedure and did not include any return authorization or documented return process. 

Without the required return ticket or authorization, I did not ship the merchandise, as doing so would expose me to the risk of the merchant later claiming the items were not received or improperly returned. 

I communicated with Discover multiple times by phone and through the dispute process and was advised to wait while the dispute was under review.

Despite the merchants failure to provide the required return ticket, Discover denied the dispute. 

I submitted extensive documentation, including screenshots of the merchants return policy and email correspondence, but the denial did not address the merchants failure to provide return authorization. 

Additionally, the watches arrived without serial numbers, certificates of authenticity, or invoices, further indicating non-standard merchant practices. 

Core Issue This dispute is not about return shipping costs. It concerns the merchants failure to follow its advertised return process and Discovers failure to properly evaluate the dispute as merchant non-compliance / return not properly facilitated. The dispute appears to have been treated as a simple return not completed case, despite the merchant not providing the required return authorization. 

Requested Resolution I respectfully request that Discover : Conduct a higher-level review of this dispute under the standard of merchant failure to follow stated return procedures ; Provide a written explanation of the dispute classification and denial rationale ; and Resolve the billing dispute consistent with cardholder protections when a merchant fails to facilitate an approved return. 

I am submitting this complaint after exhausting standard dispute channels with Discover without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: CA

Complaint narrative:
I submitted a Public Service Loan Forgiveness ( PSLF ) Buyback request through Federal Student Aid ( FSA ) on XX/XX/XXXX to receive credit for qualifying months of public service employment so that my loans can be forgiven. Once the buyback is processed and paid, my loans will qualify for forgiveness under the PSLF program. 

Since submitting my request, I have repeatedly contacted FSA and my loan servicer for updates. I have been told my request is under review or pending, but I have not been provided a buyback amount, a bill, or any timeline for completion. 

As of XXXX XXXX XXXX, 179 days have passed with no resolution. During this time, my loans remain in repayment status and interest continues to accrue, even though these loans should be eligible for forgiveness once the buyback is completed. 

FSA has not requested any additional information from me and has not provided any explanation for the delay. I believe FSA is unreasonably delaying the processing of my PSLF Buyback, preventing me from completing the required payment and obtaining the loan forgiveness I am entitled to under federal law. 

I am requesting that FSA be required to issue my PSLF buyback amount and complete my loan forgiveness immediately, or provide a written explanation and firm timeline for resolution.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: January Technologies, Inc
State: GA

Complaint narrative:
Account was charged off and on my credit after agreement was still pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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:
I disputed a {$300.00} charge from XXXX XXXX XXXX within two days of the transaction. Capital One opened the dispute, requested documents multiple times, and issued provisional credits on several occasions. 
Despite this, Capital One later claimed the dispute timeframe expired ( XX/XX/XXXX letter ) and then stated the credit was posted in error ( XX/XX/XXXX letter ), without explaining why my evidence was rejected or why the merchant prevailed. 
When I contacted Capital One for assistance, agent Her name was refused to forward my call to a supervisor and stated the case could not be reopened because time has expired. This refusal prevented proper resolution and shows I was not given adequate service or escalation options. 
Capital One closed the case and reversed the charge again after closure. I believe Capital One mishandled my dispute in violation of the Fair Credit Billing Act ( FCBA ). I am requesting reimbursement of {$300.00} or a written explanation that fully complies with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-11 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: Credit Karma, LLC
State: MI

Complaint narrative:
My debit card at Credit Karma has a few XXXX dollars in it, which is from my tax return last year. In a few days around XX/XX/year>, there were a large number of fraud transactions occurring which exhausted all the funds. I asked Credit Karma to look into this issue but there has been no reply so far. I need the issue to be resolved and my money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: Cleva Technologies, Inc

Complaint narrative:
It starts late XXXX XX/XX/year>. I sent XXXX in two parts via bank transfers to a partner for a service I paid monthly for, never had any issues until the last one, where his bank ( XXXX ) refused the transaction, and suspended my partner 's account afterwards, claiming to send the money back to me at the same time. Except it never happened, after a few proofs sent to my bank ( some of the screenshots you have with this explanation ), my bank ( XXXX ) started investigating, which resulted in a failure because XXXX never answered when my bank reached out. As I tried to adress XXXX myself, they always denied any information I requested because I was " not a client '', their words. 

Lately, I tried to request for another investigation, and for it, XXXX required a SWIFT payment confirmation ( XXXX ) which is important for them to track the transactions and see if the money had indeed been sent, I've only been received by XXXX with another denial gaming answer ( another request to reach out with the mail I use as their client, which I haven't, since I have no XXXX bank account, which they know ). 

You will find numerous screenshots with this, from my partner 's account suspension with their claim to send the money back to me, to a few mails of them denying any request I make regarding the situation, to the reports from my bank of the failed investigation due to XXXX refusing to respond. 

Best regards.

Company response to consumer: Closed with explanation