vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-06 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: MD

Complaint narrative:
According to recent public reports and investigations by multiple state attorneys general and regulators, MOHELA has been cited for : Failing to properly calculate monthly payments Issuing inaccurate bills and late fees Mishandling income-driven repayment ( IDR ) paperwork Delays and errors in processing recertification forms Providing inaccurate or misleading information about repayment and forgiveness options Creating unnecessary delinquencies and defaults due to administrative failures These systemic issues mirror my own experience with MOHELA. Specifically, I have experienced the following issues with my account : I was denied Teacher Loan Forgiveness due to missing documentation, and when I submitted the requested documents, MOHELA then cited entirely different reasons for denial. I received no written correspondence about the denial until I repeatedly called and followed up on my own. Even then, I could not get a clear explanation, and only a month later did a message finally appear in my online inbox. The amount MOHELA claims I owe does not match the actual loans I took out, even after thoroughly reviewing my records and comparing them to my federal student aid history. My account includes a Master Promissory Note ( MPN ) for XXXX XXXX, a school I have never attended, indicating a serious error or a possible misattribution of another borrowers loan to my account. After reviewing my entire loan history with a fine-tooth comb, I identified major discrepancies in balances, loan origins, and account activity that MOHELA has never explained or corrected. I have made repeated efforts to resolve these issues directly with MOHELA, but the problems persist. Their negligence has jeopardized my financial health, credit score, and access to federal benefits, and has caused immense stress. Their actions or lack thereof constitute gross mismanagement, and I believe they violate my borrower rights under federal law. Given that MOHELA is currently under investigation for systemic abuses, I am requesting : A full review and audit of my loan account ( s ) serviced by MOHELA A formal response detailing corrective actions to resolve the errors on my account Full discharge or forgiveness of the impacted loan balance ( s ) due to mismanagement and borrower harm Compensation for fees, interest, or penalties accrued as a result of MOHELAs administrative errors Confirmation that my eligibility for programs such as IDR, Public Service Loan Forgiveness ( PSLF ), or Fresh Start has not been compromised

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-15 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: NY

Complaint narrative:
Student loan servicer MOHELA misallocated my payments. Showing a delinquency on loan number 5 since XX/XX/XXXX. I called them on XX/XX/XXXX and was informed that an application for a reapplication of payment was submitted and would take up to 90 business days to complete. I then called again on XX/XX/XXXX and was told a credit bypass would be put on my account so it was not reported to my credit bureaus while this reallocation was processing. A month later they reported it to my credit bureaus and my credit score went down XXXX points. On XX/XX/XXXX I contacted them again and was told they submitted an embedded deliquency review which is supposed to process in 30 days. I did not hear from them after that. On XX/XX/XXXX they submitted a second embedded delinquency review and I still havent heard back from them. They have destroyed my credit. Resulting in higher car insurance rates, and is preventing me from buying a house all because of their incompetence. The 90 days has passed for the reallocation and I was contacted by no one regarding any results. I check my account today on XX/XX/XXXX and they I correct delinquency is on my account. Meaning nothing was done.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: MOHELA
State: NY

Complaint narrative:
My federal student loan account serviced by MOHELA was under review for XXXX XXXX XXXX XXXX beginning in XX/XX/2025. My initial XXXX submission was rejected due to a clerical error by my employer ( missing employer title ), which was outside of my control. This issue was corrected and the documentation was resubmitted. During the processing period, MOHELA inaccurately reported multiple late payments to the credit bureaus. These late payments were not the result of non-payment, but were caused by administrative delays and processing errors related to the XXXX review process. My account has now been placed into administrative forbearance and currently reflects a {$0.00} balance, indicating that the loan has been satisfied through XXXX. Despite the loan being fully satisfied, the inaccurate late payments remain on my credit reports, causing ongoing financial harm. I previously contacted MOHELA and requested correction of this inaccurate reporting, including removal of the late payments and submission of a credit reporting correction to all credit bureaus. This request has not been fulfilled. I am requesting : XXXX removal of all inaccurately reported late payments Correction of my credit history to reflect accurate account status Confirmation that corrected information has been transmitted to all credit reporting agencies This is a credit reporting error related to payment history, not loan balance, and must be corrected promptly.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: OneMain Finance Corporation
State: MI

Complaint narrative:
I opened a XXXX XXXX account over XX/XX/year>, to be used toward dental care services, as my Medicaid benefits did not cover more extreme procedures beyond cleanings. XXXX XXXX setting me at a {$1000.00} limit to cover expenses. Using {$500.00} of that balance toward the dental care. Making good with the Regular monthly payments. Until an unforeseeable layoff or downsize, XX/XX/year>. Reaching out to XXXX XXXX about the situation. Their support insuring me that I qualified for the temporary unemployment hardship due to my circumstances. But failing to properly document accordingly on my account. And waiver accumulating interest in late fees. Regularly billing me past due notices, despite all efforts. When I had a clause and proof on my account that I had been approved via email and letter- toward the temporary financial hardship repayment. XXXX XXXX continued to bill me monthly, with accumulated fees and past due interest. Calls to their support, now outsourced to other countries, failed to rectify the situation, or severe communication barrier. Some calls rerouted to other areas and then disconnected. Failing to recover my account and work with me toward a reasonable repayment. Indeed closing out my account without notice. I am requesting closure of the account and apology from XXXX XXXX, as their website also has been inaccessible for months, of inability to reach out there for contact. Their support unattainable, continuously unhelpful. I simply want my account closed and some type of reasonable repayment plan established.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Management Location Services Inc.
State: FL

Complaint narrative:
I am submitting a complaint about a debt collection call I received regarding a private student loan originally with XXXX XXXX, now handled by a collection agency. During the call, the representative used statements that I believe were misleading and intended to pressure me into making an immediate payment. Specifically, I was told that I would be receiving paperwork that would stop the filing into the courts, which implied that legal action was imminent or already in progress. I was also told that my credit would be frozen, which I now understand is not an accurate representation of what a debt collector can do. I explained to them that I have been without a job for over a year. I was told that the process was started for me to go to court. These statements caused me significant distress and led me to make a same-day payment of {$4900.00} out of fear of legal consequences. I had to borrow the money. I was not given clear, accurate, or balanced information about my options, and the situation was presented in a way that felt urgent and coercive. On the recorded message the representative also stated the incorrect amount. She transposed the numbers. But on my receipt it states the initial amount. I am requesting that this matter be reviewed to determine whether the collection agency engaged in deceptive, misleading, or unfair debt collection practices under applicable consumer protection laws. I would also like confirmation that my account is properly marked as paid in full and that no further collection or legal action will occur. Thank you for your time and review of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Dear Sir/Madam, I am writing to formally report a fraudulent transaction and kindly request your assistance in resolving this matter. I recently sent a payment via XXXX to an individual who was representing themselves as a XXXX XXXXXXXX XXXXXXXX We had been communicating via email prior to the payment ; however, all communication stopped immediately afterward, which has raised serious concerns that this was a case of fraud and misrepresentation. I have already submitted a claim with Bank of America to dispute this transaction. Based on the information available to me, the XXXX account used appears to be linked to a XXXXXXXX XXXX account. I would greatly appreciate Bank of Americas assistance in initiating a recovery request with XXXX in an effort to retrieve the funds. Additionally, I respectfully ask that XXXX XXXX and investigate the recipients account and take appropriate action, including restricting or blocking the account if fraudulent activity is confirmed. My concern is that others may also be at risk if this individual continues to operate. As I have not yet received an update regarding my claim, I would be very grateful for any guidance, updates, or next steps you can provide. I am happy to supply any further documentation needed to support the investigation.

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 2026-05-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/year>, Wells Fargo Bank committed statutory check conversion under UCC 3-420 by cashing a multi-party dwelling insurance check without my signature, identity verification, or consent.My name was misspelled on the check, and an unauthorized third-party female used her matching first initial " XXXX ' to forge my misspelled signature. The co-payee has formally confessed to this check theft and forgery scheme to the XXXX Police Department under active Criminal Report Number XXXX Furthermore, the insurance adjuster has admitted in an email that I was never notified of this reissued check. The family court made no ruling on this matter, leaving my civil rights fully intact. The bank is strictly liable for processing a forged, incomplete instrument. I demand that the bank reimburse my lawful portion of these funds immediately. '' [ XXXXXXXX XXXX XXXXXXXX ]

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 2026-05-14 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I received a letter stating I owed XXXX on my XXXX XXXX XXXX in the beginning of this year from One Main Financial. I contacted One Main Financial and reported this as fraud on XX/XX/XXXX. I also filed a police report on the same date. The police report number is XXXX XXXX XXXX, XXXX name XXXX XXXX XXXX XXXX XXXX. I notified XXXX that this was not my loan and I did not receive any of the loan proceeds nor did I apply for this loan. They stated it would be put on hold until I sent them an affidavit. I sent them the affidavit they requested in XX/XX/XXXX. They did not send me any follow up paperwork or calls. One Tuesday XX/XX/XXXX they repossessed the vehicle. When I contacted them asking why they did this as this was very well documented that this was not my loan and that they did not have any right to take my car they stated it was because they didnt receive the affidavit they requested from me. I told them I mailed it out and if they didnt get my paperwork why didnt they call me to tell me this or give me a notice that they were going to repossess the car. They stated they tried contacting me multiple times. I then asked what number they contacted and they stated the number on file which was a number provided by the person who stole my identity. Back on XX/XX/XXXX when I reported this account as fraud to them I specifically stated that was not my phone number and gave them my direct phone number along with my daughters phone number who helped me file the police report. They couldve also sent me a letter to my house stating they needed this information again but they did not. They couldve sent me a letter that they were actively trying to repossess my car. They did not. They were made very well aware back in XXXX that this was a matter of ID theft. They had the police report number along with the officers name, badge number and the police departments phone number. They still repossessed the car and are now saying I have to wait 2-3 weeks until they finish their investigation. If they wouldve contacted me or my XXXX or sent me a letter I wouldve given them everything they requested back when we filed this as fraud. I have provided them the documents and paperwork they requested as of today XX/XX/XXXX and they still say I have to wait the 2-3 weeks until I can get my car back.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: OneMain Finance Corporation
State: GA

Complaint narrative:
Foursight Capital charged numerous UNAUTHORIZED FEES on my installment loan. Fees that are not in my contract or allowed by Georgia Motor Vehicle Sales Finance Act ( MVSFA ), O.C.G.A. 10-1-30 ; O.C.G.A. 10-1-38 ( c ) allowable fees. Foursight charged repossession fees when no repossession occurred, when I disputed I was told take us court. I was always charged fees for Payment due date changes contact modification and extension fees. My installment contract and MVSFA allows only for late fees, return check fees and repossession fees when a repossession actually occurs. When I asked for the proof of the ghost repossession fees, I was told the invoices they were making me pay, was internal documents and I couldnt review the invoice. Foursight actions was intentionally willful to add ALL of the different charges to my account. Foursight has also reported INCOMPLETE & INACCURATE credit information to the credit report agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Date : XX/XX/XXXX To : Synchrony Bank Fraud Department Re : XXXX XXXX Credit Card Account Ending in XXXX CFPB Case Number : XXXX I am responding to your letter regarding the denial of my identity theft claim for the XXXX XXXX Credit Card account ending in XXXX. I strongly dispute your findings. I never opened this account, never authorized anyone to open it, never used this account, never made payments on this account, and never benefited from any purchases. Your letter states : Payments have been made by you on this account. You authorized, participated in, or benefited from the purchase. I request that Synchrony Bank provide all documents and evidence used to support these conclusions, including but not limited to : Copies of all alleged payments, including : Payment dates Payment methods Bank account numbers used Copies of checks, electronic payment records, or transaction confirmations Copies of all purchase records and transaction details allegedly connected to me. Copies of the original application and all supporting application records, including : IP address Device information Phone numbers used Email addresses used Signature records Identity verification records Copies of all delivery addresses and shipping records connected to purchases on this account. Any recordings, notes, or documents showing that I authorized or participated in activity on this account. I previously submitted identity theft reports, police reports, and dispute letters in both XXXX and XXXX. Under the Fair Credit Reporting Act ( FCRA ) and applicable identity theft laws, I request a complete reinvestigation of this fraudulent account. If Synchrony Bank continues to deny my claim, please provide the specific factual basis and evidence supporting your decision. Thank you. 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 2026-05-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I hope this message finds you well. I am writing to formally request assistance regarding an unresolved matter involving my federal student loan discharge under the XXXX XXXX to Repayment provisions. On XX/XX/year>, I received an official notice from the XXXX XXXX XXXX XXXX stating that my student loans associated with XXXX XXXX XXXX were approved for full discharge as part of a group discharge action. The letter explained that : My remaining loan balance would be forgiven. I would not be required to make further payments. I might be eligible for a refund of prior payments. My credit report would be updated accordingly. It has now been nearly XXXX years since I received that notice, yet my loan has not been XXXX, no refund has been issued, and my credit report has not been updated. Despite multiple attempts to obtain clarification, I have been unable to get assistance : My loan servicer has not responded to my emails. Phone calls to the XXXX XXXX XXXX have resulted in the same generic response with no progress. Given the length of time that has passed and the lack of action or communication, I am requesting the CFPBs assistance in investigating this matter and helping ensure that the discharge promised to me is completed. For your reference, I have included the full text of the XX/XX/year> notice in my submission. Thank you for your time and attention. I appreciate any support or guidance you can provide. Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-05-29 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: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am filing this complaint regarding recurring unauthorized XXXX XXXX charges on my TD Bank credit card and TD Banks failure to permanently resolve this issue. I first contacted TD Bank regarding this issue on XX/XX/XXXX. Since that time, recurring charges of {$7.00} have continued to appear monthly despite repeated complaints, written requests, escalations, and multiple phone calls with XXXX Bank. I do not have an active Audible subscription and never authorized these recurring charges. XXXX confirmed that no active subscription exists on my account. XXXX advised me to work directly with my issuing bank. Since XX/XX/XXXX, I repeatedly requested that TD Bank : * stop and block future unauthorized recurring charges associated with this merchant, * revoke authorization for these recurring transactions, * review and refund the unauthorized charges, * and provide written handling of this matter. Instead, TD Bank repeatedly directed me to call the disputes department and pursue individual disputes. I spent significant time on phone calls with TD Bank and disputes were processed for some charges. Refunds were issued for certain transactions ; however, the recurring charges continued afterward and the underlying issue was never permanently resolved. TD Bank repeatedly advised that secure messaging could not be used to resolve this issue and directed me back to phone support despite my written requests and the ongoing nature of the problem. As of XX/XX/XXXX, approximately six months after my initial complaint, recurring charges continue and the matter remains unresolved. I am requesting CFPB review regarding : * ongoing unauthorized recurring charges, * failure to permanently stop recurring transactions, * repeated reliance on temporary disputes instead of resolving the source of the issue, * and failure to provide an effective written resolution despite months of documented communication. I request investigation and assistance in ensuring this matter is properly resolved and that unauthorized recurring charges are permanently stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-27 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Summary of Issue : * On XX/XX/XXXX, an ACH payment in the amount of {$150.00} was sent to my Synchrony Bank XXXX XXXX XXXX account after the account had already been closed. * My bank has confirmed the payment was successfully received and settled by Synchrony. * I have provided XXXX trace information to Synchrony representatives ( approx. XXXX ), including trace number : # XXXX and Bank confirmation : XXXX. * I was previously informed by account XXXX XXXX ( approx. XX/XX/XXXX ) that a refund check would be issued, however I still have not received the funds. That call was over XXXX month ago * on XX/XX/XXXX I sent a letter, detailing the above summary of issues, and requesting contact within 10 days, refund of the money and tracking numbers which I have not received. Please note.... prior to the call to XXXX and the letter I mailed I made multiple online disputes through the bank app from XXXX thru XXXX as well. * Despite multiple contacts with customer service, the matter remains unresolved.

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 monetary relief