vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION
State: NJ

Complaint narrative:
Sallie Mae, the servicer of my private student loans, has repeatedly placed my loans into deferment without my authorization in order to prevent my loans from entering default so that I can refinance with another lender. I explicitly instructed Sallie Mae multiple times that I did not consent to deferment or forbearance and that my loans should be allowed to proceed into default for refinancing purposes. Sallie Mae confirmed these instructions and placed notes on my account stating that no deferment should be applied. 

Despite this, Sallie Mae has twice applied deferment to my loans just before default, resetting my account to current status and blocking my refinancing. 

In addition, Sallie Mae initially denied giving me certain information regarding my loan, but while I was on the phone a supervisor reviewed the call recording and confirmed that their employee did provide that information. Sallie Mae then claimed that the statement did not matter because it was incorrect, even though they previously relied on it against me. 

Sallie Maes actions constitute unauthorized account manipulation, misrepresentation of loan status, and interference with my ability to refinance. I am requesting that all unauthorized deferments be removed, my account status be corrected, and that Sallie Mae provide a full accounting of all status changes and call recordings related to my account. 

It is important to note that ever since I began the refinance process with the new student loan company. Sallie Mae has not notified me saying my deferment process was beginning or ending. Prior to this they sent me documents every time the in school deferment process began or ended. I have multiple loans but i posted those documents based off the time periods below.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
On XX/XX/year>, XXXX charged my XXXX XXXX XXXX account a {$790.00} annual fee and an additional {$580.00} in authorized user fees. Four days later, on XX/XX/year>, Chase unilaterally closed my account. The closure was initiated by Chase, not by me.

The explanation provided by Chase for the account closure was adding/removing multiple authorized users in a short period of time. Chase has never disclosed how many authorized users constitute multiple, nor what time period is considered a short period of time. This standard is undefined in the cardmember agreement and was never communicated to me prior to the closure.

Notably, Chase charged me {$580.00} specifically for adding authorized users and then cited the addition/removal of authorized users as the reason for closing my account. As a result, I was charged fees for conduct that Chase later used to justify terminating the account.

Upon closing the account, Chase also confiscated XXXX earned Chase Ultimate Rewards points, despite the fact that the account was in good standing at the time of closure and the points had already been earned. 

I contacted Chase customer service and visited a Chase branch in an attempt to resolve this matter. Chase has refused to refund the annual fee, refused to refund the authorized user fees, and refused to compensate me for the forfeited reward points.

Chase charged substantial fees and then immediately terminated the account, depriving me of access to the card, its benefits, and my earned rewards. Retaining these fees and confiscating earned points under these circumstances is unfair, lacks transparency, and constitutes a failure to provide the services for which I was billed.

I am requesting a full refund of the {$790.00} annual fee, a refund of the {$580.00} authorized user fees, and restoration or compensation for the XXXX Chase Ultimate Rewards points that were taken when the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
This complaint concerns Mr. Coopers ongoing failure to process a partial lien and deed release required for a municipal storm-drain project. The City can not proceed with construction until Mr. Cooper executes and returns the release deed.

Mr. Cooper approved the transaction earlier this year and stated that they would execute the release once the City confirmed that a specified amount would be withheld from the project funds. The City provided that legal confirmation in XXXX. Despite that, Mr. Cooper took no further action for months.

After my original CFPB complaint was submitted, Mr. Cooper sent an internal email to the City requesting that funds be sent to them before issuing any release documents. That email also incorrectly described the type of document involved and referenced incorrect figures, despite Mr. Cooper having already approved the correct terms months earlier.

The Citys response made clear that : The amounts stated by Mr. Cooper were wrong Mr. Cooper was demanding payment before issuing a release deed Mr. Cooper appeared to misunderstand the standard municipal process Mr. Cooper did not reference providing the required partial release deed or even a draft of it In municipal lien releases, the release deed must be issued before funds can be disbursed. The City can not legally release or transmit funds without the executed release. Mr. Coopers demand for payment first creates an artificial deadlock that prevents the project from moving forward.

This is not a documentation issue. Mr. Cooper has had : The final easement deed since XXXX Their own approval letter on file The Citys legal confirmation of withheld funds since XXXX Despite this, they continue to delay, provide incorrect information, and fail to produce the required partial release deed. 

Mr. Cooper has no functional phone access to the Subordination / Document Administration department, and their email goes unanswered. Even after CFPB involvement, they are still misrepresenting the process and blocking a city infrastructure project.

This conduct is unreasonable, inconsistent with industry practice, and has caused months of unnecessary delay.

I am requesting immediate escalation to a senior representative with authority to issue the release deed and complete this transaction without further obstruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: MD

Complaint narrative:
I have been receiving phone calls from XXXX XXXX with TD Lending for what seems like a month now. I have pressed 9 to be removed from their list. And even stayed on the line to request removal from an actual person. I continue to receive multiple phone calls from different numbers so I can not block their call.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: SC

Complaint narrative:
Company : JPMorgan Chase Bank , N.A . 
Product : Credit card Issue : Rewards/ points not credited correctly What happened? 
I am filing a complaint regarding incorrect Ultimate Rewards points posting on my Chase Sapphire Reserve card for a hotel booking made through Chase Travel/ The Edit, which Chase has failed to resolve after multiple contacts and escalations. 
Details : Card : Chase Sapphire Reserve XXXX channel : Chase Travel The Edit by Chase Trip ID : XXXX Hotel : XXXXXXXX XXXX XXXX XXXXXXXX XXXX dates : XXXX XXXX XXXX Booking date : XX/XX/XXXX Amount charged : {$1600.00} This reservation was booked online through Chase XXXX/ XXXX XXXX which qualifies for portal bonus earnings on the Sapphire Reserve. However, Chase incorrectly coded the transaction as a direct hotel purchase, resulting in XXXX points instead of the applicable Chase XXXX portal rate ( XXXX ). I did NOT receive the benefit of a travel credit for this hotel reservation ( I received that for the airline tickets I purchased on a separate, earlier transaction and attached a file with this transaction credit from the Chase website ). 

What Ive done to resolve it : Called Chase at least XXXX times Submitted multiple Secure Messages - the last was on XXXX XXXX, XXXX Provided screenshots of : Chase Travel/ The Edit booking confirmation Transaction details showing incorrect XXXX earnings Received escalation reference numbers XXXX and XXXX Transaction credit from the Chase website for AIRLINE TICKETS ( NOT hotel stay ) On XX/XX/XXXX, Chase wrote via Secure Message that the issue was forwarded to the appropriate department and that I would receive a response within five business days. I have received no follow-up, and no correction has been made. 

Chase has acknowledged the issue but failed to resolve it or communicate further. This is a clear posting error related to merchant coding, and Chase has the ability to correct it via a manual XXXX Rewards adjustment. 

Chase has acknowledged the issue but failed to resolve it or communicate further. This is a clear posting error related to merchant coding, and Chase has the ability to correct it via a manual XXXX Rewards adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
I requested that the vehicle be recovered due to documented economic hardship. This was a hardship-related surrender and not a willful default. However, the account is being reported in a manner that mischaracterizes the nature of the transaction and fails to reflect maximum possible accuracy. It has been over ten years since this account has been disputed and asked to be removed and account updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The company JP Morgan Chase said they distributed my business account check of my remaining balance last year around XX/XX/2025. I never received it. Then I called their fraud department and explain the issue. They said they was going to reissue the funds. I talked to a representative on XX/XX/2025. The representative told me that my funds will be mailed in 5 days and never received them by mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
This new complaint is an addendum to complaint number XXXX. In my previous complaint, I did not submit evidence/proof for my complaint. I am doing that now with this new complaint I am still requesting an audit of accounts receivables, which is where I think my {$5000.00} went to after XXXXXXXX XXXX rejected it on XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I respectfully request a review of the following information reported by Equifax, as the listed accounts appear to contain inaccuracies that require correction : Charged Off Accounts : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00} Inquiries : XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: GA

Complaint narrative:
XXXX ) In XXXXXXXX XXXX XXXXXXXX, my servicer ( MOHELA ) told me I needed to recertify my XXXX plan. I followed the instructions given to me over the phone by a MOHELA representative. They gave me the wrong guidance, and I submitted the wrong form. This ended up causing a hold to be my account, which prevents me from making payments, and also retroactively caused previous payments to be declared ineligible. I have spoken to customer service representatives about this multiple times, and while they did put in a request to have my paperwork canceled, it has not fixed the previous problem of my payments not being counted or my problem of not being allowed to make payments. I have not been able to make a payment on my student loans since XXXXXXXX XXXX XXXXXXXX. 

XXXX ) I accidentally overpaid on one of my student loans ( this loan was completely paid off with my last payment, and I accidentally paid more than I needed to ). I requested a refund in XXXXXXXX XXXX XXXXXXXX. I have not received this refund. When I speak to customer service representatives about this issue, they tell me they are putting in a ticket. When I follow up, I am told that no ticket for refund has been put in. 

XXXX ) When MOHELA migrated their platform to XXXX, they failed to migrate my autopayment, despite sending me documentation that this would be maintained. This caused me to be late with a payment, and put me in an administrative forbearance for multiple months. MOHELA refuses to go back and fix the error, meaning that the payments I made in those months were not counted, and there were following months where I was not allowed to make a payment. 

These mistakes are causing me to be unable to progress toward PSLF forgiveness. I have been unable to make any payments for PSLF since XXXXXXXX XXXX XXXXXXXX, and many of my payments in the years proceeding XX/XX/XXXX were not counted due to errors by MOHELA.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 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: Avant Holding Company, Inc.
State: NY

Complaint narrative:
On XX/XX/year> I paid {$540.00} which was the balance of this card ending in XXXX on XX/XX/XXXX my account reflected a - {$2.00} balance. I havent used this card since paying the balance yet somehow on the app {$160.00} is now reflecting on my balance. The company is unable to provide me with a company in which the money was given to or even a date in which it was taken. I attempted to file a fraud complaint and was told by the XXXX department that they are unable to provide a fraud claim without a company and a date of transaction. The fraud representative suggested I speak with customer service to get that information. when connected to customer service. I spoke with XXXX at least thats who he said he was he then reconnected me to the supervisor. My previously spoke to that connected me to the XXXX  department. It was a deadline its completely unreasonable to have a charge posted to an account and not be able to provide the basic information such as where the money went and the date on which she was taken, Ive gotten no resolution from the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Servicer under contract with Federal Student Aid
State: KY

Complaint narrative:
Account : XXXXXXXX XXXX XXXX XXXX XXXX  I am filing this complaint regarding the U.S. Department of Education and its loan servicers for furnishing materially inaccurate and misleading student loan data to XXXX XXXX XXXX XXXX in violation of the Fair Credit Reporting Act ( FCRA ). 

This account is being reported with a plethora of inaccuracies involving : Date opened Number of months ( terms ) Date last reported Date last active Date of last payment These data points do not match across the credit bureaus and can not all be simultaneously accurate. This constitutes a failure to maintain reasonable procedures to assure maximum possible accuracy under 15 U.S.C. 1681e ( b ).

I have formally disputed this account with all three credit bureaus. If the Department of Education or its servicers can not produce original account-level documentation verifying each of the above data fields, the account is legally inaccurate and must be deleted.

Under 15 U.S.C. 1681s-2 ( a ), furnishers may not provide information they know or should know is inaccurate or misleading. Reporting inconsistent dates and loan terms is inherently misleading and violates federal law. 

I am requesting that the CFPB require the Department of Education to : Provide documentary proof validating all reported dates and terms Correct or delete all inaccurate credit reporting Cease furnishing unverifiable data to consumer reporting agencies

Company response to consumer: Untimely response
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Hello, I received a letter by mail ( on XX/XX/year> ) with the wording : " Your Loan is Past Due - Flexible Payment Options May Be Available ''. The amount due is {$290.00}. My name is also spelled incorrectly in the letter. I never opened the account and have never transacted with
CashNetUSA.

I also pulled a credit report on the same day and don't see anything related to CashNetUSA in it. I tried calling them, but the automated system won't let me proceed unless I input my SSN- which I don't want to do ( given increased risk of identity theft ). Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a debit card as well as a HYSA with Citi carrying over {$10000.00}. I have never been sent a replacement debit card and that is the only way to verify my identity with Citi OR a Security word I set up, not the initial 3 security questions I provided... They said I have to drive to a branch and hung up. Closest branch is about 200 miles away.

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 2026-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
Complaint Narrative ( Paste Below ) : On XX/XX/year>, a XXXX debit card transaction in the amount of {$2700.00} occurred that I did not authorize. 

I disputed the transaction with XXXX on XX/XX/year>, reporting it as an unauthorized debit card transaction. XXXX initially provided provisional credit and later denied the dispute. 

XXXX denial stated that the transaction was consistent with account login activity and prior payment history, but XXXX did not provide evidence of actual authorization of the debit card transaction. Login or account activity alone does not constitute authorization under Regulation E ( 12 CFR 1005.11 ). 

XXXX  reversed the provisional credit and advised that the temporary credit would be debited from my account. 

I requested a copy of the documentation and evidence relied upon to deny the dispute, including proof of authorization, authentication records, and the written explanation required under Regulation E. XXXX has not provided this information. 

I did not authorize this debit card transaction. I am requesting thaXXXX XXXX be required to comply with Regulation E by either producing evidence of authorization or restoring the disputed funds.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
LVNV Funding LLC and XXXX are reporting multiple collection accounts on my consumer credit reports that are inaccurate and not properly verified.

These companies purchased the alleged debts from third parties for a discounted amount, yet they are reporting and attempting to collect the full original balances as if they were the original creditors. The reporting does not accurately reflect ownership or the correct amount owed.

After I disputed these accounts with the credit bureaus, including XXXX, XXXX, and XXXX, the collectors obtained and used my current mailing address, despite not having a permissible purpose to update or use my personal information in this manner. This occurred only after the disputes were filed.

I requested validation and documentation supporting the accuracy and ownership of the accounts, but sufficient proof was not provided.

This conduct violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681s-2 ( b ) ) and the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ).

I am requesting complete deletion of all associated collection accounts from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-13 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: FinCo Services Inc DBA Current
State: IA

Complaint narrative:
I was notified by XXXX XXXX that a new account was on my credit report. I have not opened any new accounts. I opened my credit reports at the credit bureaus and there is a new account showing : CURRENT secured credit card. The account was opened in XXXX. I did not open this account and this is either an error or someone is using my personal information ( identity theft ). 

On XX/XX/year> I sent an email to CURRENT because they do not have a customer service phone number. I have not heard back from them. Their communication process states that you must share your account number to communicate through email, but I do not have the account number since I am not the one who opened this account.

In addition to getting this account closed, CURRENT needs to have a process in place to handle fraud inquiries. I could not find any way to contact them.

Company response to consumer: Closed with explanation