vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FinCo Services Inc DBA Current
State: AR

Complaint narrative:
CRITICAL UPDATE TO EXISTING CASE # XXXX Target Financial Institution : Current Bank / Finco Services Summary of Violation : Gross Institutional Negligence, Regulation E Compliance Failures, and Violations of Title III of the Americans with Disabilities Act ( ADA ) causing direct physical trauma to a vulnerable consumer. Timeline of Evidence : 1. Long before XX/XX/XXXX, I gave explicit notice that my account was compromised and my physical identity documents were stolen. On XX/XX/XXXX and XX/XX/XXXX, I was in contact with Current Support Agent XXXX. 2. I formally notified Current Bank that I am an XXXX consumer and that their automated " selfie-with-ID '' loop was an impossible, discriminatory barrier. I formally requested a " Reasonable Modification of Policy '' under Title III of the ADA, offering Knowledge-Based Authentication or SSN verification. 3. Current Bank completely ignored this legal ADA accommodation request, forcing an unworkable barrier that induced multiple severe, witnessed tonic-clonic XXXX resulting in physical trauma. 4. Despite being fully on notice regarding the fraudster 's identity, Current permitted the scammer to bypass all verification loops entirely. The bank actively enabled identity theft by manufacturing and shipping new physical debit cards directly to the scammer. 5. On Saturday, XX/XX/XXXX, an override was authorized to map my account to XXXX. However, Current 's system immediately failed, routing one-time login tokens back to the fraudster 's email ( XXXX ), letting him lock me out repeatedly. 6. A supervisor named XXXX falsely promised on XX/XX/XXXX that my federal XXXX funds would be returned in XXXX days. 7. On Wednesday, XX/XX/XXXX, XXXX XXXX XXXX explicitly refused my consumer right to escalate this medical and regulatory emergency to the fraud division, stating in writing : " I'm unable to transfer you to a supervisor or another department. '' 8. On Wednesday, XX/XX/XXXX, Current issued a final dispute denial letter claiming transactions were authorized, completely ignoring that their own system armed the fraudster with tokens and physical cards.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: CO

Complaint narrative:
I received documentation from XXXX that my Parent Plus Loan for {$14000.00}, which was disbursed on XX/XX/XXXX, was discharged through XXXX XXXX for my son due to his attendance at the XXXX XXXX. Then my Loans for {$20000.00}, which were disbursed on XX/XX/XXXX, and {$20000.00}, which were disbursed on XX/XX/XXXX, were also discharged through XXXX XXXX for my attendance at XXXX University. So in the meantime, I was informed that the amounts would be removed from my overall balance through Mohela once everything is finalized. So with everything being finalized, I reviewed my account through XXXX, and the status tracker stated as of XX/XX/XXXX that my servicer processed {$55000.00} in loan discharge, and it was applied to my account. So I received a notice from my servicer dated XX/XX/XXXX, that my loan balances were reduced, which would reconcile the balances of the XXXX XXXX discharge. Also, as of XX/XX/XXXX, and XX/XX/XXXX, when the notification was on my account, the reduced balances were correct as well. Then, when the notice dated XX/XX/XXXX was sent, the balances increased back to the original amounts before the XXXX XXXX amounts were removed. Once I found this out, I contacted Mohela on XX/XX/XXXX, at about XXXX p.m. to see why the amounts increased, and the representative informed me that she saw on my account where the amounts were reduced and then they increased on XXXX XXXX, and nothing showing why. This was escalated, and I informed her I do not want to be in any forbearance, but I would like for this to be reviewed. I called XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to receive the outcome of the escalation. I was informed on XX/XX/XXXX, that the review was completed by the accounting department and the higher amount is correct, and nothing was changed. I said that is not correct because the lower amounts were removed and added back for some unknown reason. I then filed a complaint with XXXX, which is still pending, and at this moment, nothing has been done to rectify this issue.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 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: MI

Complaint narrative:
I applied for Buyback on the Federal Student Aid website on XX/XX/XXXX, request number # XXXX. I have not heard anything regarding the status of that request after attempts to contact Federal Student Aid by email and chat multiple times. Nor do I have any record on the Federal Student Aid website that this request is in progress at all or was even submitted. I received an initial email on the date of my request on XX/XX/XXXX with confirmation of submission, but have received no updates since then, and it has now been 18 months since submission. I received one email on XX/XX/XXXX ( XXXX years later ) saying they are closing any duplicate Buyback requests. But this email gives no information on the status of the original request. There is a button on the email that says " View Your Case Status '' that takes you to the Federal Student Aid website with no documentation at all in my account of the case status of my Buyback request. This Buyback request was to buy back payments that would have been made under the SAVE plan that I was automatically placed in. I was then forced into forbearance for almost 2 years while this payment plan that I never signed up for to begin with was challenged in the courts. I am trying to Buyback this period and pay my debt for these months.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: Tesla, Inc.
State: NC

Complaint narrative:
In XXXX of 2026, I placed an order for a XXXX XXXX XXXX XXXX lease based on advertised terms showing {$4000.00} due at signing. I paid a {$250.00} non-refundable order fee at the time of ordering. Upon submitting my credit application, I was approved for a lease but not for the advertised terms. I was required to put {$10000.00} due at signing, a 147 % difference from what was advertised. I was not informed prior to paying the order fee that the advertised terms were subject to such a significant variance. I did not cancel my order. XXXX was unable to fulfill the terms under which the order was made. I contacted XXXX support on XX/XX/XXXX requesting a refund of the {$250.00} order fee on the basis that the advertised product was not available to me. XXXX refused to refund the fee, stating the website terms are " only an estimate '' and that I was " subject to approval from the bank. '' XXXX did not respond to my follow-up messages. I have since filed a complaint with the North Carolina Attorney General 's Office. XXXX has now sent an automated cancellation notice for XX/XX/XXXX without ever resolving the dispute. I am not voluntarily cancelling as the cancellation is being triggered because XXXX can not fulfill the terms I ordered under. I am requesting a full refund of the {$250.00} order fee.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: MA

Complaint narrative:
I am filing this complaint against Shellpoint Mortgage Servicing for gross mismanagement of my newly transferred loan onboarding, severe billing errors that appear to be fraudulent, and a complete failure by customer service to resolve the issue. Shellpoint has generated absurd billing figures, ignored my written correspondence, and effectively blocked me from making my correct mortgage payment, threatening an upcoming refinance. Previous Lender : XXXX XXXX ; Correct Monthly Payment Amount : {$8000.00} Timeline of the Dispute & Shellpoint 's Failures : Prior to Loan Transfer ( XX/XX/year> ) : I paid my XX/XX/year>, mortgage payment early to XXXX XXXX in the correct amount of {$8000.00}. XXXX XXXX confirmed this payment was wired directly to Shellpoint. Shellpoint has failed to credit these funds. Fraudulent/Absurd Billing Figures : Shellpoint generated billing statements showing completely impossible amounts that appear predatory or fraudulent : an Escrow balance of {$400000.00} and a Monthly Payment of {$410000.00}. This is wild distortion of my actual legal loan terms ( which dictate an {$8000.00} monthly payment ) XXXX Phone Calls ( XXXX, XXXX, and XX/XX/year> ) : I called Shellpoint customer service several times on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time, phone representatives admitted there was a system error and promised they would " notify someone to change it, '' but absolutely nothing was fixed. Ignored Fax ( XX/XX/year> ) : On XX/XX/year>, I faxed a formal Account Correction Request with supporting evidence directly to Shellpoint 's documentation fax line at XXXX. Shellpoint has provided XXXX response or acknowledgment. Harm to Consumer : Because Shellpoint refuses to fix the {$410000.00} system error, I am completely blocked from making my regular, accurate payments on their platform. Please help out. Thank you.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
Product : Mortgage Issue : Struggling to pay mortgage / Loss mitigation Complaint Description : I am submitting this complaint regarding Shellpoint Mortgage Servicing and my ongoing efforts to avoid foreclosure on my home. My loan is currently in foreclosure status in XXXX XXXX, PA, and a sheriffs sale was previously scheduled but temporarily postponed while a loss mitigation review was conducted. During that review, I was informed that my application did not pass the Net Present Value ( NPV ) test. However, since that decision, there has been a material change in my financial situation, including a new job resulting in approximately {$12000.00} in additional annual income. The paystub provided at the time reflected only a partial pay period ( XXXX days ), which may not have accurately represented my ongoing income. Despite this, Shellpoint did not adjust the modification terms and instead offered a repayment arrangement requiring {$14000.00} immediately, followed by payments of {$6400.00} per month for several months. This proposal is not financially feasible based on my household income and necessary living expenses. I am not refusing assistance. I am requesting a reasonable and sustainable loan modification based on my current financial situation. I believe the prior NPV determination may no longer be accurate due to incomplete or improperly evaluated income information.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 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: MO

Complaint narrative:
In XXXX of XXXX, I made a payment on the student loans managed by MOHELA. There was an over payment of {$380.00} across XXXX different loans, and XXXX loans were left with balances. I requested that the additional money be added to the remaining loans. They said it would take 90 days to correct. On XX/XX/XXXX, I reached out again and asked to have it corrected. It still was not corrected. On XX/XX/XXXX, I reached out again to get it corrected. They said it would take 90 days. It still has not been corrected. I have been completely unable to access the money that was overpaid or get moved to the other loans to reduce the principal and the amount of interest that I would have been paying. I want the {$380.00} that was overpaid redistributed to the loans. Also, I want the retro-dated interest deducted from my account. The interest rate charged to me is 6.55 %. I estimate the interest to be a total of {$25.00} for the past 12 months.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Before my account became delinquent, I contacted Newrez/Shellpoint for assistance because I was experiencing financial hardship. I was advised that I would need to be past due in order to qualify for a loan modification. I relied on that guidance and allowed the account to become delinquent so I could be reviewed for loss mitigation. Had I been clearly advised that following this guidance would result in severe negative credit reporting that Newrez/Shellpoint would later refuse to correct, I would have made a different decision or requested other available options. The late payments were not the result of neglect or unwillingness to pay. They occurred because I followed the direction I was given in order to qualify for assistance. I was later approved for a Trial Period Plan beginning XX/XX/year>. I made the required trial payments, successfully completed the trial period, and my loan was permanently modified. Despite this, Newrez/Shellpoint reported late payments for the modification period, including increasingly severe delinquency during the same period I was complying with the approved Trial Period Plan. My credit report shows the account as XXXX days late in XX/XX/year> and XXXX days late in XX/XX/year>. This is misleading because it suggests I failed to make payments or failed to comply with my mortgage obligations, when I was actually making the payments Newrez/Shellpoint required under the approved Trial Period Plan. Newrezs own loan history shows that payments were made during this period and applied to prior past-due installments and/or held as unapplied funds during the modification process. If payments were being received and applied to past-due installments, I do not understand how the delinquency properly continued to age to XXXX and XXXX days late. I disputed this directly with Newrez/Shellpoint, but Newrez refused XXXX correct the reporting. Newrez acknowledged that I was approved for a Trial Period Plan from XX/XX/year> through XX/XX/year>, but did not provide a clear explanation for how the account continued to age to XXXX and XXXX days late while I was making the required trial payments and ultimately received a permanent modification.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: First Help Financial, LLC
State: GA

Complaint narrative:
My car was a total loss. Primary insurance paid. Lender First Help Financial is refusing to provide an itemized statement explaining a remaining {$4100.00} balance and refuses to provide account information upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
RE : Account XXXX. XXXX To Whom It May Concern, I am formally disputing the validity of the alleged debt referenced above and requesting full validation pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. Please provide : * The name and address of the original creditor * A complete accounting of the alleged balance * Documentation showing I am legally obligated for this debt * A copy of any agreement bearing my signature * Proof that Midland Credit Management has legal authority to collect * Chain of assignment documentation * The date of first delinquency * Proof the account is within the applicable statute of limitations Additionally, I request that all collection activity cease until proper validation has been provided. Your recent correspondence repeatedly referenced attorney review, lawsuits, wage garnishment, and legal action. Any misleading implication that legal action is imminent, or that an attorney has meaningfully reviewed this account when one has not, may constitute violations of the FDCPA, including 15 U.S.C. 1692e and 1692e ( 5 ). Please note that I am documenting all communications and reserve the right to file complaints with the CFPB, FTC, and Florida Attorney General if violations continue. All future communication must be in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TClub Inc
State: FL

Complaint narrative:
XXXX. Transfer initiated- XXXX XX/XX/XXXX. Follow up on delayed transfer- XXXX XXXX, I was asked to wait XXXX. Follow up on XXXX XXXX- no response XXXX. Follow up on XXXX XXXX- about transaction status that said money credited at the recipients account, but was not received in reality- no response from the vendor XXXX. Follow up on XXXX XXXX- no response from the vendor XXXX. Follow up on XXXX XXXX- no response from Vendor XXXX. Subsequently the vendor app updated the transaction failure XXXX. Vendor emails on XXXX XXXX that the money has been credited and that I have to pay them. This was a fraudulent claim as the transfer never came through. XXXX. On XXXX XXXX XXXX threatens over email on XXXX XXXX that I must pay this fraudulent amount or face charges, deal with collection agency, and get damage to my credit rating XXXX. Vendor also threatens that the said amont of money shall be illegitimately withdrawn from original designated recipients account and my account without my consent XXXX. Vendor threatens to deploy XXXX party companies to recover money from me/ original designated recipient

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Please reference the previous complaint XXXX for details. I was provided until XX/XX/year> to respond to the company 's response. However, the court XXXX was held yesterday, XX/XX/year>. First, Wells Fargo 's response was inadequate. Wells Fargo mentioned that the dispute stated that services I charged my former client for, were not provided. However, I have provided Wells Fargo the XXXX ( work product ) that was provided to my former client. I have also provided Wells Fargo with the Invoice my former client was provided with. The Invoice contains line item entries that explain fully the services that were provided and the charges for those services. However, Wells Fargo has continued to refuse to reinstate my XXXX tokens to allow my access to XXXX for sending and receiving funds, both personally and for my business use. The evidence I have provided makes it abundantly clear that not only was there no fraud on my part, but also that I did in fact provide the services that I charged my former client for. At the Trial held yesterday in XXXX XXXX XXXX XXXX Small Claims Case # XXXX, the judge reviewed the same evidence that I previously provided to Wells Fargo and the Court ruled that there was no evidence supporting the allegations of fraud in my former client 's dispute against me. In addition, the Court ordered Wells Fargo to reinstate my XXXX access. I have provided Wells Fargo with a copy of the Minute Order and a copy of the Notice of Entry of Judgment. My XXXX access should be reinstated immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I attempted to deposit {$6000.00} in cash at the Bank of America XXXX XXXX XXXX. The cash was meticulously pre-counted and organized into XXXX identical {$1000.00} " wrapped stacks '' ( XXXX bill wrapped around XXXX bills ), ensuring all bundles had uniform physical thickness. In direct violation of standard procedures, the teller locked the cash into the secure vault box before verifying the final count with me or obtaining my confirmation. The transaction was finalized for only {$5500.00}, resulting in an immediate {$500.00} shortage. When I disputed the error, the staffs were refused to conduct a same-day teller drawer audit or check the vault log, and instead dismissed me to phone support. Phone support subsequently refused to file a dispute and told me to go back to the branch. As a XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX I recognize this as a severe failure of internal controls. I demand an immediate audit of the tellers drawer, a review of the vault drop log, and a frame-by-frame inspection of the teller window 's security footage to recover my missing {$500.00}. Furthermore, as a former Bank of America employee, I am deeply appalled by the branch staff 's deceptive and hostile attitude. The branch manager falsely claimed that I, as a customer, have the authority to call the XXXX XXXX XXXX XXXX ( XXXX ) directly to request video footage. As an insider, I know this is a blatant lie meant to dismiss and mislead me, as XXXX is a restricted internal department that only opens investigations upon a managers formal ticket. This dismissive and deceptive behavior by the branch management constitutes severe customer mistreatment and an intentional cover-up of their operational failure.

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