vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: NJ

Complaint narrative:
I have noticed early in XX/XX/XXXX that Mohela approved two loans to XXXX XXXX XXXX XXXX for this current spring semester. I have not been in school since the end of the summer of XXXX, which I attended XXXX XXXX in XXXX, New Jersey. When I looked into this fraud, I noticed the security barriers I set up for my account were bypassed without my knowledge and the Master Promissory Note I pulled from my account was completed and submitted within 15 minutes, then was approved by Mohela within two weeks. I have taken federal loans out with Mohela back in XXXX and XXXX and never had even a response about my applications for at least a month. This caused me to worry because compliance was not followed on either Mohela or XXXX XXXX XXXX XXXX procedures. The college has since tried to help me resolve this issue by allowing me to confirm my identity and that I am not a student of the college. The problem is the school sent the funds to a student wallet, which the criminal who fraudulently took these loans out has access to. The school at this point told me it is out of their hands and in Mohela 's I have since uploaded three different fraud forms and 10+ signature backups over the past two months and Mohela is continously taking weeks to respond just to tell me half of my things aren't uploaded when I can see them on my side and I get confirmation notices when submitting. So to me either their system is faulty or there is simply negligence occurring within this loan servicer. The Loans are XXXX XXXX XXXX XXXX XXXX in the amount {$3500.00} & XXXX XXXX XXXX XXXX XXXX in the amount {$1200.00} ( both at 6.390 % interest ) as of XX/XX/XXXX. Both taken out at the same time and for the same school, I calculated it is the exact amount for one semester at XXXX XXXX XXXX XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: NJ

Complaint narrative:
My mortgage debt was discharged in bankruptcy approximately 10 years ago. I continue to make voluntary payments to retain the property. Despite this, NewRez has been sending threatening delinquency notices that imply collection activity or acceleration, which is improper for a discharged debt. They also send documents suggesting that I refinance, which to me is an attempt to get me to refinance the debt and remove my bankruptcy protections. In addition, when I wrote to them to ask them to stop harassing me, that I was only 60 days behind, was covered by bankruptcy protection and that I would be catching up, which I did, I then get a letter from them saying that they will respond to my RESPA complaint. WHAT RESPA complaint are they talking about? All I wanted was for them to stop harassing me! Well, after receiving XXXX of these notices, I made the payment and cured the delinquency. Shortly afterward, I check my account to make sure the account reflected that I made my payment and was caught up because they had sent me an XXXX and what do I see? NewRez added a {$30.00} charge labeled only as Other Fees Due. There is no explanation, documentation, or description of what this fee is for. It does not appear on any statement or correspondence. Their online system does not allow me to send a message or obtain clarification. Because the debt is discharged, NewRez can not impose unexplained or collectionrelated fees. The {$30.00} fee appears improper and is causing my account to show as past due again even though I paid the full installment amount. I am requesting that the CFPB require NewRez to : Provide documentation identifying the source, date, and purpose of the {$30.00} Other Fee, or remove it entirely if they can not justify it. Stop sending threatening or misleading delinquency notices on a discharged debt. Correct my account status to reflect that I paid the installment and cured the delinquency. Ensure compliance with bankruptcy discharge protections and servicing regulations. I am not refusing to pay legitimate charges. I am disputing an unexplained fee that NewRez has not documented and that appears to be improper given the bankruptcy discharge.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX XXXX ( XXXX ) is reporting a collection on my XXXX XXXX XXXX credit reports for approximately {$1100.00}, listing the original creditor as Synchrony Bank. The tradeline is inaccurate and unverified. Unexplained, changing balance. The account has been reported as both {$1200.00} and {$1100.00} with no explanation for the change. A collector must be able to itemize and justify the exact amount it reports. " Verified '' without proof. I previously disputed this account. XXXX reported it " verified '' ( XXXX : " subscriber disagrees '' ; XXXX : " consumer disputes after resolution '' ) without ever providing me the underlying documentation or a description of how it was verified. No validation / unproven ownership. XXXX, a debt buyer, has never provided the signed original Synchrony agreement, an itemized accounting, or the chain of assignment from Synchrony Bank to XXXX. As a company operating under CFPB consent orders ( XXXX and XXXX ), XXXX is required to have account-level documentation before collecting. I dispute the amount and the validity of this tradeline. I believe this violates the FDCPA ( 15 U.S.C. 1692g, 1692e ( 2 ) ( A ) ) and the FCRA ( 15 U.S.C. 1681e ( b ), 1681i, 1681s-2 ). DESIRED RESOLUTION Provide complete written validation - the signed Synchrony Bank agreement, an itemized accounting that explains the change from {$1200.00} to {$1100.00}, and the full chain of assignment to XXXX - or delete this collection from all consumer reporting agencies and cease collection. Provide the Method of Verification for the prior " verified '' result, and report the account as disputed in the meantime.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On or about XX/XX/XXXX, Bank of America placed a hold on a {$9100.00} mobile check deposit ( a client 's payment ) to my account ending XXXX, and shortly afterward froze the account. The {$9100.00} was never released to me, and I am not aware that it was ever returned to the sender. I disputed this repeatedly ( by phone, in writing, and through fraud/complaint channels ) and never received the funds or a clear written explanation. Because Bank of America was holding my money, my related Bank of America credit card ( ending XXXX ) went unpaid and later charged off ( approximately {$1700.00} ), and that charge-off is now being reported inaccurately on my credit XXXX XXXXhows XXXX late payments while XXXX shows XXXX on the same account, and the reported " closed '' date of XX/XX/XXXX is wrong because the account was billed through XX/XX/XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 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: IN

Complaint narrative:
Service Provider : MOHELA Payments are only being applied to interest. Nothing is going to the principal. At this rate, I will never get the loans paid off. There's no way to apply my payments to the principal thru autopay settings that I can find.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 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: VA

Complaint narrative:
I have paid over the amount due every month. XXXX weeks ago I signed in for it to show that I am XXXX months deliquent on my payments which is NOT true. She said they would fix it. Today I woke up to my XXXX XXXX dropping over XXXX points because the delinquency was reported. I called them again today and the person was very indifferent and just said it takes up to XXXX days for them to decide. It would be different if I weren't paying but when I'm paying over the amount due and they do this it's damaging. We are in the process of trying to buy a house. This kills that as far as interest rates. Also, I applied for my teacher loan forgiveness. I have worked in a title I school and sent in all documentation. They denied it saying my loan was new with them. The loans were not new. I was seeking forgiveness for the loans taken prior to my teaching. I'm extremely upset and frustrated with this situation and the lenders practices.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MOHELA
State: TX

Complaint narrative:
This debt collector has engaged in conduct that violates the Fair Debt Collection Practices Act ( FDCPA ). They are reporting an account that I did not authorize, and no signed agreement exists bearing my signature to validate any obligation. A legally binding contract requires clear consent from all parties, which is absent in this case. Additionally, the collector has failed to provide proper validation of the alleged debt as required under the FDCPA. Without sufficient documentation verifying the debts legitimacy, their continued reporting and collection efforts are unlawful. These actions constitute violations of my consumer rights. As a result, I demand the immediate deletion of this account from all reporting agencies. Failure to comply may result in further legal action, including claims for damages.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
XX/XX/year> reported to Shellpoint Mortgage I loss my job they initially just sent me on a payment plan didnt tell me I need to talk to someone from loss mitigation. Loss mitigation didnt discuss options when they finally reached oit to me months later after calling about issues with the payment plan and told them I had a hardship. Once I talked to loss mitigation they told me in XXXX I didnt qualify for a forbearance just told me I had to do a payment plan. Never gave me options. I had to file another loss mitigation by then she explain to me that I had no options just told repay the loan and I called back in late may before XXXX XXXX to set it up because I have a job now. I have emailed and called the person assigned to my case and as of today never called me back spoke to a representative and was informed my requested has expired and have to file a new loss mitigation requesting very frustration because the have filed the foreclosure through the courts not sure why they didnt call me back.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: MOHELA
State: CA

Complaint narrative:
On XX/XX/XXXX all my federal student loans were cancelled through the PSLF program. I received the US treasury check for {$28000.00}. I received one check and I subsequently cashed it. I still have this check as my proof of one check. It is my understanding that I made more payment than were required, and that was the reason I was given this check. The loan servicer Mohela continues to incorrectly demand payment from me. Mohela is incorrectly reporting to credit reporting agencies that I owe {$31000.00}. On XX/XX/XXXX, I requested that Mohela inform credit reporting agencies that the debt is in dispute and, at the same time, demanded that Mohela verify the debt, which I believe is not owed. On XX/XX/XXXX, Mohela sent me a letter, and they did not address my concerns. Mohela continues to demand payment from me for this incorrect debt and continues to report to credit reporting agencies that I owe it. Now they are reporting that my account is delinquent and my credit score has dropped XXXX points to XXXX. I have a very good credit history, and they are destroying that. I would like Mohela to confirm that all of my federal loans have been canceled and I do not owe any money to the Department of Education. I would like them to remove the delinquent status on my loan.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 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: GA

Complaint narrative:
I am filing this complaint against my student loan servicer, MOHELA, and Federal Student Aid ( FSA ) for systemic balance reporting discrepancies, severe administrative processing gridlock, inaccurate credit bureau reporting, and ongoing consumer harassment that has escalated significantly. My loans ( specifically lines XXXX through XXXX ) were officially dismissed by the Department of Education under a Borrower Defense to Repayment claim tied to my attendance at XXXX XXXX, governed by the XXXX XXXX XXXX federal court settlement . As proven in the attached file " XXXX XXXX '', the Department of Educations official dashboard reflects this status under Borrower Defense Case # XXXX ( " Processing Discharge '' ) and shows my total remaining verified balance as {$11000.00}. However, MOHELA has completely failed to update its systems to match the federal source of truth. As proven in the attached file " XXXX '', my MOHELA account panel stubbornly insists that my Total Current Balance is {$13000.00}, creating an unreconciled data variance of exactly {$2300.00} that has persisted since XX/XX/year>. Furthermore, " XXXX '' explicitly shows that multiple lines within my discharged sequence ( lines XXXX, XXXX, XXXX, and XXXX ) reflect negative balances ( credits ). Because the mandatory court-ordered deadlines to adjudicate these files have passed, these negative balances represent confirmed overpayments. MOHELA has completely refused to process these discharge lines out of my file or release my liquid cash refunds. Compounding this systemic mismanagement, MOHELA is actively harassing me. As proven in the attached file " XXXX XXXX XXXX XXXX XXXXXXXX '', MOHELA is flooding my inbox with an abusive, automated barrage of 3 to 4 emails in a single morning ( e.g., four separate emails sent between XXXX XXXX and XXXX XXXX today alone ), continuing relentlessly day after day, including weekends, stating " Your Repayment Schedule Changed. '' Sending an endless stream of conflicting automated demands regarding an inaccurate, disputed balance constitutes predatory communication practices. Due to these extreme ongoing administrative delays, the un-reconciled balance discrepancies, and chronic account mismanagement that has severely compromised my files, I am formally requesting a complete administrative discharge of the entire remaining {$11000.00} balance. The servicer has demonstrated a total inability to accurately maintain my ledger, resulting in inflated data being reported to the major credit bureaus, violating my rights under the Fair Credit Reporting Act ( FCRA ). I require immediate regulatory intervention.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I have signed up for E-Trade Promo : XXXX and they are not honoring the promotion, saying they do not see the promo is entered. The representative even called me a liar saying you could not have known cause it was difficult to get to putting in the promo. This company is running a scam to trick their customers to get their money.

Company response to consumer: In progress
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
My wife and I paid for XXXX treatment on XX/XX/XXXX using a Citi credit card for the amount of {$21000.00}. The payment was made to XXXX XXXX XXXX ( XXXX ). The transaction is completely legitimate and I am in no way disputing the transaction itself. This credit card was later closed on XX/XX/XXXX. I am trying to procure historical statements for tax and reporting purposes to demonstrate that this was a medical expense that I paid. However, since the account is closed, the Citi website does not help. I have also reached out to customer service and was told that getting statements for closed accounts is impossible. Full stop. I have collected what information I can about the closed account from my credit report. I have : - Date opened - Date closed - First 12 digits of the account number.

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 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I am submitting this complaint because this account is being reported on my credit report and I do not believe it belongs to me. I believe this may be the result of fraud or identity theft. I do not recognize the account, did not authorize it, and have no knowledge of opening or using this account. I previously disputed this account and requested validation and documentation proving that I am legally responsible for the debt. However, the account continues to be reported without sufficient verification being provided to me. Because this account is negatively affecting my credit profile and ability to obtain credit, I am requesting that the company : * Provide complete documentation proving the account belongs to me, including any signed application or agreement. * Provide proof of authorization and payment history connected to me. * Investigate this matter thoroughly as potential identity theft or fraudulent activity. * Remove the account from all credit reporting agencies if they can not properly verify the debt. I am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). Until the account is properly verified, I dispute the accuracy and validity of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I am filing a complaint against Chase for a major security vulnerability in their telephone network that allowed a third-party scammer to intercept my communication.On XX/XX/year>, I dialed a number I believed belonged to Chase XXXX : XXXX. Based on a technical review of the incident, this number acts as a malicious bridge. When dialed, it routed my call directly into Chase 's actual internal queue. A real Chase agent answered, which generated a permanent call log on Chase 's end. However, the moment that agent hung up, the malicious routing system kept my phone line open and seamlessly handed me off to an offshore fraud ring operating as XXXX XXXX XXXX XXXXBecause of this seamless handoff, I believed I was still talking to Chase. The scammers used this opportunity to view my XXXX XXXX tickets, split my reservation, and attempt a {$130.00} charge on my XXXX XXXX under the merchant name XXXX.How I uncovered XXXX : I discovered the true identity of the scammers on XX/XX/year>. After I caught the fraud and disputed the transaction, the merchant issued a refund for the {$130.00} charge. The official refund receipt listed the merchant contact email as XXXX. Public business registries and consumer fraud databases conclusively link this specific email address to XXXX XXXX XXXX XXXX, an agency based in XXXX.Chase 's front-line agents refuse to take this seriously because their basic screens only show a brief, completed call. They fail to understand that their telephone network is being actively exploited by a third-party interception ring. I am asking the CFPB to compel Chase 's XXXX XXXX division to investigate how this XXXX number is bridging into their system

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-06-12 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am an existing American Express customer with two XXXX XXXX XXXX accounts holding over {$60000.00} in deposits and an active corporate card relationship. I applied for a consumer credit card and was denied. AMEX representatives have confirmed by phone that the denial is based on a derogatory account that does not belong to me, but rather to my older brother, whose Social Security number differs from mine by a single digit. My own XXXX credit report shows a FICO score of XXXX with no derogatory information. I have been denied twice on reconsideration, both of which appear to have been standard reviews against the same incorrect internal data. On XX/XX/year>, I sent a detailed certified letter to AMEX ( delivered XX/XX/year>, XXXX tracking XXXX ) requesting that the matter be escalated to the team responsible for identity matching errors and providing all relevant facts. As of today, 33 days after delivery, I have received no substantive response. I am requesting that American Express correct the internal data error linking my file to my brother 's, confirm the correction in writing, and reconsider my application based on my own credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: CO

Complaint narrative:
Im writing to file a complaint against Jefferson Capital LLC for violating my consumer rights under 12 CFR 1006.34 and 15 USC 1681-s2 ( 7 ) ( A ). Theyve added an inaccurate account to my consumer report without giving me the required validation info, as outlined in 12 CFR 1006.34 ( b ) ( 5 ). On top of that, I havent been given a chance to dispute the account, which Im entitled to under 12 CFR 1006.34 ( c ) ( 4 ) ( i ). Overall, their actions are not only against federal regulations but also misleading and deceptive.

Company response to consumer: Closed with non-monetary relief