vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: Comerica
State: MI

Complaint narrative:
I made an inquiry to XXXX XXXX about a charge that I was not aware of. I was simply calling to ask about the dispute. The lady who I talked to did not ask me any questions about the issues but they simply cancelled my card. When i called to complain about the service I got they told me I had to send in my ID in to them to verify my identity and that could take 6-8 hours, that was on Tuesday XX/XX/XXXX at XXXX XXXX. I did as they said, sent in an email with my ID 5 different times with 2 different emails no response. I called back 8 hours later and they told me I have to send it in again and that it will take up to 16 hours to verify. XXXX XXXX keeps saying they have not received my verification. I think XXXX XXXX XXXX be committing some kind of fraud by making it impossible to quickly resolve my issues and get my money. The charge I was disputing was {$9.00} the expedited overnight charge is {$13.00} So i am basically paying {$4.00} to make a complaint which makes no sense. They could take 10 years to get my card as far as they know because no one gave me a concrete time to resolve the issue. XXXX XXXX is deliberately holding my funds for their business gains.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: Global Lending Services LLC
State: CA

Complaint narrative:
Company : Global Lending Services This auto account was voluntarily repossessed and the vehicle was sold at auction. Despite this, Global Lending Services continues to report a remaining balance that is inaccurate and not properly credited. This reporting is misleading and violates the Fair Credit Reporting Act ( 15 U.S.C. 611 and 623 ). 

Under the FCRA, creditors must report accurate account balances and investigate disputes properly. I have disputed this account with XXXX, but the incorrect balance remains, indicating a failure to conduct a reasonable investigation. 

I am requesting that Global Lending Services : 1. Correct the reported balance to reflect the actual post-sale amount, or 2. Delete the account entirely from all consumer credit reports if it can not be verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: CA

Complaint narrative:
I am disputing these accounts because they were never authorized or opened by me. I request that you look into this matter thoroughly and remove them from my report. Relevant documentation is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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:
I am filing a complaint regarding MOHELAs handling of my federal student loans. 

I have two loans : one with an approximate balance of {$18000.00} and another with an approximate balance of {$4000.00}. For several years, I have intentionally paid more toward the smaller loan in order to pay it off more quickly. These payments were previously accepted. 

In XX/XX/year>, I attempted to pay off the {$4000.00} loan in full. MOHELA rejected this payment and informed me that because the loans are consolidated, they assign a fixed payment amount to each loan and do not allow additional payments toward one loan. As a result, MOHELA refused to accept a lawful payoff. 

Additionally, my XXXX payment was not applied as instructed. Although I paid {$600.00} toward my loans, I later discovered that a late fee had been assessed. I was informed that this error would be corrected within 30 days, but the issue was not resolved. 

When I attempted to make my XX/XX/year> payment, I was again told that I am restricted to a fixed payment allocation and can not direct additional funds toward the smaller loan. 

I previously submitted a formal written request, as required by MOHELA, seeking flexibility in how my payments are applied. Despite this, my requests have not been honored. 

I am requesting : 1. Correction of all payment misapplications and removal of any late fees 2. Written clarification of my right to pay off individual loans 3. Assurance that future payments will be applied according to my instructions I am concerned that MOHELAs actions constitute servicing errors and improper payment handling.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 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: Fay Servicing, LLC
State: CA

Complaint narrative:
Upon multiple written requests, Fay Servicing has refused to provide valid documentation legally required under Federal and California State law including, but not limited to, a valid Bill of Sale ; complete chain of custody and full payment history/accounting for the life of the mortgage loan. Fay Servicing has engaged in wrongful foreclosure practices by prematurely filing a Notice of Default before the deadline for disputing the debt had expired ; producing questionable documentation that on its surface appears to be in error, fraudulent and/or robo-signed ; as well as refusing to consider this debtor for all loan modification options available ; for discouraging debtor on XX/XX/year> ( via telephone ) from appealing its XX/XX/year> loan modification denial letter ; and failing to timely provide loan reinstatement and payoff amounts upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: MI

Complaint narrative:
Chime recently closed my account on XX/XX/year> same day as my direct deposit was supposed to get deposited in the account! We usually don't get our direct deposit until the end of the night but they were saying the check was deposited into the closed account and now I'm waiting on chime to send me a check with my remaining balance in the mail and it takes 30 days

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — Foreclosure
Company: SANTANDER HOLDINGS USA, INC.
State: MA

Complaint narrative:
I am filing a formal complaint regarding Santanders failure to properly explain how my mortgage payments have been applied and credited to my account. 

Despite making regular payments, Santander has failed to provide a clear, accurate, and complete explanation of : How each payment was applied ( principal, interest, escrow, fees ) Whether any payments were placed into a suspense account Why balances and arrears do not align with the payment history provided I have repeatedly requested a full payment accounting, yet Santander has not provided a transparent breakdown as required under federal servicing rules, including RESPA and Regulation X. 

This lack of explanation has caused confusion, potential financial harm, and prevents me from verifying the accuracy of the loan balance. I am formally requesting : 1. A complete life-of-loan payment history 2. A written explanation of how each payment was applied 3. Identification of any suspense or unapplied funds 4. Correction of any misapplied payments XXXX XXXX of Santander bank XXXX XXXX ( bankruptcy lawyer ) XXXX XXXX ( bankruptcy trustee ) The have not given us any type of payment explanation. 


Please treat this as a formal notice of error and respond within the timeframes required by law. 

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 2025-12-30 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: WI

Complaint narrative:
I made a purchase in error and I immediately contacted the vendor by the only method made available by the vendor to cancel it. The vendor ignored my communications and refused to halt the charge. 

I reached out to CapitalOne to report the fact that the charge was cancelled and that the vendor was deliberately non-responsive. I later also informed them that neither did I receive the subject item from the vendor. 

I subsequently reached out to CapitalOne several times by phone in order to resolve the issue of that illegitimate charge but they refused to hold the vendor to account and reverse the charge. CapitalOne then proceeded to add nonpayment fees and charges to the bill and lodged false credit reports against me for the illegitimate charge and the illegitimate addition of fees and charges causing my previous CR score of XXXX to plummet to XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Capital One XXXX : XXXX 1. The vendor DID NOT up front make plain their no cancellation policy or I would never have considered placing the order with them in the first place.

2. The order was entered with this vendor on XXXX XX/XX/XXXX at XXXX XXXX  3. I noticed the vendor had entered the wrong shipping address and had unilaterally added an additional return shipping charge to the transaction without my consent. I attempted to contact them to rectify. 
4. I notified them that the transaction was cancelled at XXXX. 
5. I immediately received a form letter email stating they would respond within 1-2 business days and among other things outlined their no cancellation policy 6. I anticipated trouble and responded immediately repeated the order to cancel again at XXXXXXXX XXXX 
7. I received the same form letter XXXX XXXX. 
8. I again responded ordering the cancellation. 
9. No one responded in any substantive way to correct or cancel the transaction but instead put the charge through two days later on XX/XX/XXXX. 
10. In the end I never received the merchandise either.

This is at best a vendor operating a sharp business at best, and fraudulent more appropriately framed. In several attempts to work with Capital One it has been repeated to me at least twice that the Capital One had been siding with the vendors assertion of having a no cancellation policy. I understand policies as I too have a policy. I do not pay invoices from fraudulent businesses or for merchandise not received. 

This charge to my card is fraudulent. As such I respectfully insist that Capital One immediately remove the fraudulent charge from my account along with any and all interest and fees of any kind associated with this charge. 


Thank you. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
American Express allowed someone to fake my identity and make changes to my account allowing another persons to charge XXXX to my account. Then they allowed the person to falsify legal documents to close the dispute, criminal investigations and recharge my account the {$11000.00}. The person literally called up, faked my identity and reauthorized the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/year>, I discovered that someone had gained unauthorized access to my XXXX  online account and attempted to place XXXX fraudulent orders using my credit card. The attempted purchases were not made by me and I did not authorize anyone else to use my account or card for these transactions. The charges appeared as pending orders in my XXXX  account that were later cancelled, and I immediately contacted XXXX  customer service to report the activity as fraud. 

After I reported the issue, XXXX  informed me that both orders were cancelled and that the purchases would not be processed. I was told that I should contact a consumer protection agency to file a complaint about what happened and how it was handled. I have taken steps on my own, including monitoring my account. 

I am submitting this complaint so there is a record that : - My XXXX  account appears to have been accessed without my authorization. 
- XXXX unauthorized purchase attempts were made using my card. 
- The merchant cancelled the orders after I reported the fraud and directed me to contact a consumer protection agency.

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 2025-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received a Amex gift card as a gift with {$1000.00} on it. 
I didnt use it and decided to save it for a rainy day. 
Today XX/XX/XXXX I pulled it out to use in the XXXX XXXX  to save some money. 
The expiration date is XX/XX/XXXX. 

I call Amex gift card department because I looked up balance online and it said error. 
Representative says, Sorry, its been sent to your states unclaimed property department, you need to call them and find it. 

Of course, I am angry because the card is not even expired. And its a large amount! 

I go to state ( ca ) unclaimed property site and it is impossible to find a gift card that doesnt have a name attached. 

So I call and they say too many people calling, click. 

I am beyond upset and in very need of this money that is rightfully mine. 
I dont want to be jerked around for weeks and months so that the state or Amex gets their money back. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I requested DOLA under FCRA 605 ( a ), & it was not sent to me

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: IL

Complaint narrative:
I am disputing the accuracy of my student loan balance serviced by MOHELA. I submitted a written tender to MOELA on XX/XX/year>, offering payment in full satisfaction of the stated debt. MOHELA informally rejected the tender and did not validate the payoff balance of {$170000.00}, as no documentation was provided to validate the balance. 

I was previously employed in PSLF-qualifying positions ( XXXX XXXX and XXXX ), both 501 ( c ) ( 3 ) ), but MOHELA has not correctly applied PSLF/IDR months , including long periods of forbearance or deferment. I have requested formal validation and correction from MOHELA, and initiated a PSLF administrative review with the U.S Department of Education. 

I request that CFPB require MOHELA to : 1. Provide complete payment and account history 2. Apply all PSLF-qualifying months, including forbearance corrections 3. Correct the payoff balance and account reporting 4. Document and acknowledge the written tender I have submitted a formal PSLF compliance review request to the U.S. Department of Education and a validation/accounting demand to MOHELA. I request that any resolution reflect proper application of PSLF, IDR corrections, and the written tender. 

I request CFPB oversight to ensure full compliance and accurate resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: MA

Complaint narrative:
XXXX multiple fraud purchases were made with my stolen bank card at XXXX XXXX XXXX XXXX I reported the fraud to site & my bank within less than XXXX hours .. Site was able to reverse all but XXXX large transaction for {$180.00} .. It was recorded by the site as a unauthorized transaction yet they said had to be reversed by my bank .. I could not file a claim with the bank until it was no longer pending transaction .. XX/XX/year> as soon as it allowed I file the claim through Chime .. I provided all the emails from the site with proof of fraudulent transactions .. No account or order number exists as Ive never bought anything from the site .. XX/XX/year> they denied my claim with no actual proof of why just that thats what they decided..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX I called in to get about possible scenario of a XXXX  or a pull out refinance. We spoke about numbers and was at an impasse about the numbers. I expressed that it did not make sense to me and he was a little aggressive about me not agreeing. I was in the grocery store and told him I needed more time. He asked if I had about XXXX more minutes to get extra information. At this time I told him yes and upon my answer he pulled my credit. Saying I have XXXX extra minutes does not mean pull my credit. If you listen to the phone conversation you can hear me express this to him. He says, he thought I understood that is what that meant. We ended the call and he continues to send me emails, and a loan package and I never told him I wanted to move forward with this. I called the company NewRez to report this, they agreed and said that they would put in the report and escalate it to the correct department. I was told the best way to remove the inquiry would be to dispute it with the credit bureau but I don't see where this can be done. I want this to be removed due to this not being an authorized inquiry.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX XXXX CA branch XXXX XXXX XXXX offered me a promotional XXXX rate of XXXX XXXX interest on XXXX money ' deposited to Citibank. I complied, depositing {$150000.00} on XX/XX/year>. I was not told the XXXX money ' must be deposited into a new account with the branch, only that it had to be 'new ' to Citibank. 

On or about XX/XX/XXXX, I noticed the interest being paid was less than XXXX XXXX and so told XXXX that I was not receiving the interest he had promised, XXXX XXXX. He said there had been a mistake and he would contact headquarters to resolve the discrepancy. After a few weeks, I saw no change and so contacted the assistant XXXX who acknowledged the error and also assured me that Citibank was working to fix the issue. A few weeks later, I was called by an unknown Citibank representative who again assured me that Citibank was aware of the interest shortage and was working to pay what they had promised. 

It is now after the XXXX promotional period and I have yet to receive the interest promised me. I believe that XXXX XXXX and his staff were simply leading me on and never had the intention of paying the promised rate, perhaps because they never asked me to open a new account, which I could have easily done if asked. 

I request a payment of {$1600.00} in interest for the period covered to either of my Citi savings accounts ending in XXXX or XXXX XXXX XXXX SS 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 monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research 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 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 2025-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: CREDIT ACCEPTANCE CORPORATION
State: WA

Complaint narrative:
Credit Acceptance Corporation My vehicle was repossessed today in XXXX, XXXX. I am homeless and the vehicle is currently my living space. I am a single parent with a XXXX  child, and this repossession has created an immediate safety and shelter issue. 

I have just started new employment earning {$25.00} per hour and will receive my first full paycheck on XX/XX/year>. I have requested a hardship review, auction hold, and reinstatement option, including a {$500.00} good-faith payment on XX/XX/XXXX and resumption of regular monthly payments thereafter. 

As of this complaint, I have not received post-repossession notice, do not know the location of my vehicle, and have not been provided instructions to retrieve my personal property. I requested escalation to a supervisor and was told I would receive a callback. 

I am requesting assistance to ensure XXXX XXXX provides required notices, discloses redemption and reinstatement options, allows access to personal property, and fairly considers hardship due to homelessness and the involvement of a minor child.

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