vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-21 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: CT

Complaint narrative:
* * Complaint against MOHELA regarding improper administrative forbearance, interest accrual, and XXXX XXXX * * I am filing a complaint against MOHELA regarding my federal student loans and their mishandling of my repayment status under an income-driven repayment plan. I am enrolled in the XXXX XXXX XXXX XXXX XXXX XXXX XXXX repayment plan and have been working toward Public Service Loan Forgiveness ( PSLF ). Despite this, MOHELA has placed my account into administrative forbearance for approximately XXXX months. I did not request this forbearance. During this period : * XXXX has continued to accrue on my loans * I have been unable to make qualifying payments toward XXXX * My progress toward loan forgiveness has been effectively paused through no fault of my own This situation appears to be the result of servicer error, mismanagement, or failure to properly process my repayment plan. The recent end of the XXXX plan does not apply to my account, as I am enrolled in XXXX, making this forbearance inappropriate and unjustified. I have attempted to resolve this issue directly with MOHELA, including phone calls and escalation requests, but have not received a clear explanation or timely resolution. * * This issue is causing concrete harm : * * * Loss of qualifying XXXX payment months * Accrued interest that would not have occurred under proper PAYE repayment * Uncertainty and administrative burden due to lack of communication * * I am requesting the following actions : * * XXXX. XXXX removal of the administrative forbearance and placement back into the XXXX repayment plan XXXX. A full review of my account and written explanation of why this forbearance was applied XXXX. Retroactive correction so that the past 15 months are treated as qualifying payments toward XXXX, or clear guidance on how these months will be credited ( including eligibility for PSLF buyback if necessary ) XXXX. Reversal of improperly accrued interest associated with this period of administrative forbearance XXXX. XXXX that my XXXX progress will not be negatively impacted by MOHELAs servicing errors I request a timely investigation and resolution of this issue. Please provide a written response detailing the corrective actions taken.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: GA

Complaint narrative:
JEFFERSON CAPITAL XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFERSON CAPITAL XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
XX/XX/XXXX - I informed Citi XXXX XXXX credit card company via a phone call that my husband died on XX/XX/XXXX and requested his name be removed. My name was on the account also. At that point, the XXXX was immediately canceled and I was told I had to apply for a new card. I said I would go ahead and pay the balance ( not late ) of {$2400.00} and would decide if I needed another cc. We always paid the entire balance monthly. They said I could not pay now because it was closed and would be sent to their XXXX XXXX.She also said there would not be any late fees, etc. and not to pay even if a bill arrives in the mail. " Wait for that department to contact you. '' She then suggested I email the company to get the CashBack Reward balance that was earned prior to XX/XX/XXXX. XX/XX/XXXX - I received a letter from XXXX XXXX XXXX ( undated ) about the account. That concerned me so I googled the company and discovered it's a collection agency. XX/XX/XXXX - I received a letter from Citibank about that referral. I called Ascension as requested in the letter but could not get any information because I'm the widow but not the executor or the trustee. XX/XX/XXXX - The trustee called, was given the balance due and I paid with my bank account the full amount due of {$3100.00}. They would not say why the amount had increased by {$680.00}. XX/XX/XXXX - Letter arrived with {$680.00} as a fee, etc. and that all of the debt was still due. XX/XX/XXXX - I called and was told the bill was paid in full. I could not get any information on the reason for the fee. She said I had to write a letter explaining my position. I asked to speak with a supervisor, XXXX ID XXXX XXXXXXXX. She wouldn't give any information unless I could prove that I'm the executor. This is not right. All I tried to do was pay the credit card with honesty.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
CAINE WEINER is falsely reporting on my credit. I have never had any accounts with them. Per my research CAINE WEINER is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: TX

Complaint narrative:
I am disputing a 90-day delinquency reported by MOHELA starting in XX/XX/XXXX, which resulted in a XXXX drop to my credit score. This reporting occurred during a period of extreme administrative confusion regarding the SAVE plan transition and the federal on-ramp protections for student loan borrowers. Due to the shifting legal landscape and court stays in early XXXX, I did not receive clear or effective notice that my account was in an active, reportable status. As a student acting in good faith, I immediately paid the full past-due balance of {$180.00} ( part of a total {$220.00} payment ) as soon as I became aware of the credit impact. On XX/XX/XXXX, I contacted MOHELA via phone to request a retroactive administrative forbearance to correct this reporting error. The representative refused, citing that automated notifications had been sent. I contend that these notices were insufficient and confusing given the systemic changes to federal repayment plans at that time. I am seeking a full deletion of the 30, 60, and 90-day late marks from my credit report as this is a disproportionate penalty for a communication breakdown during a national loan transition.

Company response to consumer: Untimely response
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
I disputed this debt in writing on XX/XX/year>, and requested validation. The collection agency sent a follow-up letter stating that supporting documentation was enclosed, but no documents were included. When I contacted them, I was told the documentation would be the same photographs previously provided by the apartment complex, but that they would request and provide additional information from the property. No documentation has been provided directly in response to my validation request. While I was waiting for this documentation, the account was reported to credit bureaus, without providing an opportunity to review or respond to any supporting materials. The photographs previously provided by the apartment complex only show the existence of damage and do not establish that the damages were caused by the tenant rather than being pre-existing conditions. At move-in, tenants were instructed to upload photos of pre-existing damage, and the property has since stated those records are no longer available. Despite the lack of documentation establishing tenant responsibility, the account for {$110.00} was reported to credit bureaus. XXXX has already removed the account after dispute, while XXXX and XXXX continue to report it as verified. I am requesting removal of this account due to failure to properly validate the debt and failure to provide documentation establishing liability.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am filing a complaint regarding a Chase XXXX booking ( Trip ID XXXX ) purchased with Chase Sapphire Reserve points. We received multiple confirmations ( including one on XX/XX/XXXX, XXXX week before the scheduled trip ) from Chase showing outbound travel on XX/XX/XXXX and return on XX/XX/XXXX. On XX/XX/XXXX, without any prior notification from Chase, we discovered our outbound flight had been changed to XXXX XXXX entire day later. This material change was never communicated despite Chase sending trip confirmation emails reflecting the original dates. To avoid missing our trip, we were forced to rebook through the airline. During that process, our return flight was canceled without our knowledge. The following morning, we discovered we only had a one-way ticket and had to purchase a last-minute return flight. As a result of this failure to notify by chase, we incurred the following out-of-pocket costs to maintain our travel on the previously booked date : {$150.00} in change fees ( $ XXXX ), {$57.00} fare difference ( $ XXXX ), {$89.00} lap infant fee, {$50.00} bag fee, and {$100.00} in additional baggage costs for last minute return flight. Chase has refused to take responsibility, stating the airline made the change, despite the fact that Chase failed to provide any notice of the schedule change and continued to send confirmations with incorrect information. We are requesting reimbursement for the unused booking ( {$1300.00} in points ) and all out-of-pocket expenses caused by this failure ( totaling XXXX ). Chases lack of notification directly caused significant financial harm and disruption.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — Rental debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH

Complaint narrative:
I sent a letter through certified mail to seek information about a debt I dont believe I owe and the company is still calling and leaving voicemails

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA

Complaint narrative:
I sent {$2000.00} to my friend XXXX XXXX in XXXX. The transfer failed because I entered an incorrect number for her bank in XXXX. Moneygram said I was due a refund of {$2000.00} ( including fee ). I could not find a Moneygram location that would refund that large amount. Most location said their maximum refund is less than XXXX XXXX dollars. On XX/XX/year> I wrote to moneygram about the problem. They have not responded. Moneygram reference number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/XXXX, I noticed in my bank account that there was fraudulent activity happening on a PayPal account I did not know I had. My payday is the XXXX of the month so I was checking to make sure my paycheck was deposited. The amount withdrawn was {$450.00}. I called PayPal and the woman i spoke to helped me gain access back into that account and file reports for those transactions. I also called my financial institution where they reported it as fraud, cancelled my card, and were able to close the case in my favor with Visa by XX/XX/XXXX. XXXX was sent paperwork from Visa regarding this decision in case they wanted to appeal, and they failed to respond in the appropriate timeline. PayPal is now coming after me for {$450.00} stating the balance was taken from my bank, deposited into PayPal, and then sent to someone. After gaining access back into my account on XX/XX/XXXX, I noticed that back on XX/XX/XXXX there was a failed transfer of {$1000.00}, which leads me to believe that is when the account was first hacked. I have filed appeals with PayPal regarding that balance they claim I owe, information on the account did not match me, they claim that there was consistent login activity, the amount of funds indicate that I was aware of the balance and activity. This was account that was made back in XXXX, and had not been used until someone had hacked into the account in XXXX. After winning the case with Visa, they stated that PayPal did not provide sufficient information to prove it was me who had made those transactions which is why I won the case, the paperwork shows that XXXX as NO MATCH, meaning they could not match the information with me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 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: Chime Financial Inc
State: KS

Complaint narrative:
XXXX took two {$40.00} transactions. I authorized the first one but not the 2nd. So I asked to close my account and refund my payments. They refused. Chime is my " banking ''. They also failed to right or otherwise correct this fraud. So here we are.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went to the XXXX XXXX app and saw the link to apply for a new card with bonus offer after spend. I clicked on that link and was directed to an application. I completed the application and received an instant approval. During this initial account set up I received a balance transfer offer for 0 % interest for term of promotion with a 5 % transfer fee. I accepted the offer and proceeded to fill out the information to direct the transfers to my other accounts. Once completed it took approximately 18 days to process, posting to my account in XXXX. I just reviewed my statement and saw a large interest charge and went to investigate. My statement and an e letter states my interest rate on the balance transfer is over 23 %. I called Citi to discuss, asked to speak to a manager and was transferred to XXXX. She began by saying I should pay off the transfer immediately to avoid any further charges to which I said Im fine doing that but I want the balance transfer fees and the interest waived for this month as these were not the terms I agreed to when I accepted the offer. At that point, 19 minutes into my call, she stopped responding. The call is still connected but it is silent. Its almost like she put me on hold or on mute. If it was a connection issue, she should be calling me back directly as she has my account pulled up. This feels very much like predatory behavior and a full bait and switch. I would not have accepted any balance transfer with a rate of more than 0 % let alone full APR.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I am writing to formally request resolution regarding a {$200.00} promotional incentive that was offered to me but has not been honored despite multiple confirmations from TD representatives over several months. I received a targeted email offer to open a TD Signature or simple savings account with a {$200.00} incentive. Before opening the account, I contacted TD Bank to confirm my eligibility, as I had previously held a savings account. I was explicitly informed that I qualified because I had never held a TD XXXX Checking account. To ensure accuracy, I called again a few days later to reconfirm my eligibility and to ask about the best way to fund the required {$10000.00} deposit. During that second call, I again confirmed eligibility and specifically noted that I would be moving funds from a higher-interest account, resulting in lost interest income. I was assured that I qualified for the promotion. On XX/XX/XXXX, I deposited {$10000.00} into a TD XXXX Savings account and was told the funds needed to remain for 90 days. On XX/XX/XXXX, I called to confirm that I had met the requirements and could withdraw funds without jeopardizing the bonus. After being told I had satisfied the terms, I transferred {$2500.00} on XX/XX/XXXX and {$7000.00} on XX/XX/XXXX. Subsequently, I was charged a series {$15.00} maintenance fees and advised to convert the account to a TD XXXX Savings account. Over the course of five separate conversations involving both the call center and the XXXX branch, I was consistently told that I had met all qualifications and simply needed to wait up to 180 days for the bonus. On XX/XX/XXXX, I was again assured the bonus would post within four business days. On XX/XX/XXXX, I called again and was told the bonus would be applied the next day. However, later on XX/XX/XXXX, I received a secure message stating that I did not qualify due to having a prior accountcontradicting all prior confirmations. I relied on TD Banks repeated assurances when deciding to open and fund this account with {$10000.00}, despite lower interest earnings elsewhere. The promotional offer was sent directly to me, and I took multiple steps to confirm eligibility before proceeding. Given the documented history of confirmations from TD representatives, I am requesting that TD Bank honor the {$200.00} promotional incentive as originally promised. Please review my account and the call history associated with it. I would appreciate a prompt resolution to this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
PORTFOLIO RECOV ASSOC is falsely reporting on my credit. I have never had any accounts with them. Per my research PORTFOLIO RECOV ASSOC is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-21 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: FL

Complaint narrative:
I am filing a complaint regarding a dispute that was improperly handled by capital one. I purchased merchandise from a company ( XXXX XXXX ) using my Capital One credit card. The merchant later agreed to accept a return of the product due to false/misrepresentation of products compatibility. I returned the item as instructed, and tracking confirms that the item was successfully delivered back to the merchant. Despite the merchant receiving the returned merchandise, no refund was issued. I provided Capital One with documentation including : - Proof of Purchase -Communication showing the merchant approved the return -Tracking information confirming delivery of the returned item Capital One denied my dispute and sided with the merchant, despite clear evidence that the item was returned and no credit was issued. After the dispute was denied, I reached out to capital one 's escalations team via email, no response was received. Additionally when I attempted to resolve the issue directly with the merchant again, they claimed to have no record of me or my order, despite prior communication and the confirmed returned delivery. This further supports that the return was mishandled by the merchant. I believe Capital One failed to conduct a reasonable investigation of my dispute and did not properly evaluate the evidence provided. This situation constitutes failure to issue a refund for returned merchandise. I requesting that this dispute be reopened and properly reviewed, and that my account be credited for the returned merchandise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: NY

Complaint narrative:
I leased a vehicle and returned it approximately two months before the end of the lease term. At the time of return, I was not informed of any damages or outstanding balance, and I did not sign or authorize any new loan or financing agreement. Shortly after, GM Financial began reporting a loan balance of approximately {$12000.00} on my credit report. I first noticed this around [ insert approximate date ]. Since then, I have contacted GM Financial multiple times ( most recently on [ insert recent date ] ) to request documentation explaining the basis of this balance, including itemized charges, proof of the vehicles sale, and any agreement authorizing this debt. GM Financial representatives have stated they do not have an itemized list of damages or charges. I was told documentation would be mailed, but I have not received adequate information. I was also repeatedly directed between GM Financial and the dealership, with neither verifying. I have submitted multiple disputes through the credit bureaus ( most recently on [ insert date ] ), but they were denied without sufficient investigation. The account continues to be reported as a loan I did not authorize.

Company response to consumer: Closed with explanation