vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tesla, Inc.
State: TX

Complaint narrative:
I have a loan w/ Tesla for a solar system. The loan has an optional payment of {$21000.00} due on XXXX/2026. The terms make it clear that the payment is optional but if the payment is made, the loan is recast and the amortization schedule shows the new monthly payment amt for the remaining term of the loan if the payment is made. The problem is the {$21000.00} payment was made on XX/XX/year>. Tesla sent me a statement on XX/XX/year> that shows the payment as received XX/XX/year> but failed to apply the payment to the principle balance. When I disputed this with Tesla 's payment resolution team, they indicated they are not obligated to apply the payment until the XXXX billing statement. This 100 % does not align to the loan terms. There is no option in the Tesla loan documents that grants Tesla the ability to not apply a payment when received. They do have some option when it comes to interest calculation but zero option to not apply the payment when received to the principle. Tesla is effectively charging a payment penalty by doing this. As of today, XXXX/2026, the payment is still not applied to the loan principle more than 30 days after it was paid and thus, Tesla is charging an excess amt of interest on my loan. The loan terms change the recast as of XXXX, there are no terms that allow Tesla to apply a principle payment on any date other than when it is received. In addition, Tesla 's payment resolution team has admitted in writing that they had to get their IT team and finance team involved to even apply the payment. Which means Tesla is doing this as an on going practice and is likely over charging interest on any loan where a large principle payment is made toward the balance of the loan. Separately, Tesla makes is VERY difficult to make payments on loans other than using their app and signing up for auto draft.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: SC

Complaint narrative:
On XX/XX/year> I was overcharged on my escrow by {$5300.00}. The company NewRez said they fixed this but the corrected payment only shows for the month on XX/XX/year>. Leaving me a balance of {$2900.00} for XX/XX/year> when the correct balance should be {$2200.00}. I was also charged a {$66.00} late fee. Which I do not think is fair because they were the reason my escrow balance jumped and my mortgage went from {$1800.00} to {$2900.00} when it should of not increased past {$2200.00}.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MI

Complaint narrative:
I submitted an application to be taken out of SAVE and have my repayment plan changed to a PSLF eligible plan. I wanted PAYE, however the FSA website automatically sent the application in for an IBR. Mohela sent me a letter saying my monthly payment would be {$860.00} with no explanation on the plan or calculation. They will not provide me the AGI, family size or filing status used to calculate this as there is no way they are using the correct calculation to find that number. They tell me to call FSA, FSA tells me to call Mohela. I have sent 5 emails, 2 complaints and submitted another application with my tax returns. FSA says my repayment amount should be {$50.00}. I need HELP

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: MOHELA
State: CA

Complaint narrative:
I am a recent XXXX XXXX writing to share my experience with MOHELA, not because I expect it to change anything, but because I think someone should hear it. I took out student loans to go to college. I did not have a choice. It was the only way I could afford an education. I was told this was the right thing to do. I was told it was an investment in my future. I did it, I graduated, and now I am trying to build a life. I am currently enrolled in an income-driven repayment plan. My required monthly payment is {$0.00}. I do not owe anything on my loans right now. The government looked at my income and determined that. And yet, because I missed payments during a confusing forbearance transition that I did not fully understand, I now have a 90-day delinquency on my credit report that has devastated my credit score. I missed payments on a debt where my required payment was {$0.00}. And for that, I am now being penalized in every meaningful financial way. My ability to rent an apartment, buy a car, qualify for a mortgage, or take out any future loan has been seriously compromised. One mistake, on a loan I had no choice but to take, for an amount I did not even owe. This single incident, on a {$0.00} balance student loan during a period of administrative confusion, is the sole reason my credit has been destroyed. I do not think that is a fair or accurate reflection of who I am as a borrower. I contacted MOHELA and asked them, as a goodwill gesture, to consider removing the late payment marks given these circumstances. They declined, citing their legal obligations. I understand they have legal obligations. I am asking MOHELA and the CFPB to consider whether those obligations require them to leave this mark on my record, or whether they simply permit it. There is a difference. Removing accurate information is not prohibited by the FCRA. It is discretionary. I am asking them to use that discretion in favor of a young borrower who made one mistake on a debt he did not choose and did not owe. Students should not be set up to fail. A single missed payment on a {$0.00} balance should not follow someone for seven years. I am adding my voice to the record. I hope someone is listening.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 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: VA

Complaint narrative:
In XX/XX/XXXX, I submitted an application for the XXXXXXXX XXXX XXXX XXXX XXXX XXXX plan through MOHELA. As of XX/XX/XXXX, the application remains pending despite the passage of approximately XXXX months. During this time, I have repeatedly contacted MOHELA for updates and assistance, but the issue remains unresolved. MOHELA informed me that I would receive documentation explaining my calculated monthly payment so I could potentially show that to lenders as I have been working on opening a XXXX XXXX and trying to buy a condo. However, I never received this documentation, leaving me without information regarding my expected payment amount or repayment obligations. Furthermore, my XXXX plan remains pending. The delay in processing my XXXX application has had significant financial consequences. Because my student loan payment amount remains unresolved, I have been unable to proceed with the purchase of a condominium and have been unable to obtain the financing necessary to open a small business. Additionally, I have lost XXXX months of XXXX payments. I would like to begin repaying my loan ; however, I can not until my XXXX is processed. I was enrolled in school and graduated on XX/XX/XXXX. Despite my understanding that I should have a XXXX grace period following graduation before payments become due, my MOHELA account was updated to show an {$80.00} payment due. In addition, approximately {$46.00} was withdrawn from my bank account through AutoPay. I contacted MOHELA, and they told me this withdrawal was made in error, and I would receive a refund, but I have not. After discovering the charge, I attempted to disable AutoPay to prevent additional withdrawals, but I have been unable to do so. As a result, I remain concerned that MOHELA may continue to withdraw funds from my account for payments that are not yet due or that have been incorrectly calculated, and will not count towards XXXX. Despite numerous attempts to resolve these issues directly with MOHELA, the company has failed to process my XXXX application in a timely manner, failed to provide the promised payment documentation, and failed to correct what appears to be an improper withdrawal from my bank account. These failures have caused financial hardship, uncertainty regarding my repayment obligations, and ongoing concern about additional unauthorized withdrawals.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 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: HI

Complaint narrative:
I have been waiting on my school loan forgiveness payment. As a result of the VA total and permanent. My school loan lender was Mohela whom i received notice that my loan was forgiven and that my payments made would be reversed/refunded under that program benefit. The action was approved XX/XX/year> and its been 6 months with no movement, Department of Treasury reporting still not having received the approval and amount to be paid/sent back to me. Department of Education who approves the entire action, also informed me they've done their part. everyone is waiting on my lender to release the approval/funds to be paid back to me. Action should have been completed within 90 days according to the department of education.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 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: VA

Complaint narrative:
I have recently graduated from a XXXX program. I was in this program from XX/XX/XXXX- XX/XX/XXXX. While enrolled in a XXXX program, my federal student loans were repeatedly placed into in-school deferment by MOHELA. The first few semesters, I was able to call MOHELA and get out of this deferment as I wanted to continue making qualifying payments toward XXXX XXXX XXXX XXXX ( XXXX ). However the last XXXX semesters, I attempted multiple times to opt out of the deferment status ( as I had been able to do previously ). Over approximately the last XXXX academic semesters prior to my graduation, I repeatedly attempted to contact MOHELA by telephone to request removal of the in-school deferment. However, wait times were consistently several hours, and I was often unable to reach a representative. I also submitted the form requested by MOHELA to waive or decline in-school status so that I could continue making qualifying XXXX payments. That request was denied, and my loans remained in deferment. As a result, I was unable to make qualifying XXXX payments for an extended period despite actively attempting to do so. I made reasonable efforts to contact MOHELA and submit the required documentation, but my requests were not successfully processed. I am requesting a review of my account, an explanation of why my opt-out request was denied, and consideration of any available corrective action regarding the loss of XXXX-qualifying payment opportunities during this period.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 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: CA

Complaint narrative:
On XX/XX/year>, I submitted a Borrower Defense to Repayment application based on misleading representations made by XXXX XXXX and the University XXXX XXXX regarding the value of its degree programs, employment opportunities, transferability of credits, and the long-term professional benefit of obtaining a degree through the institution. The application was acknowledged as received, but as of today, nearly three years later, no decision has been issued. My application remains in pending review status with no timeline for resolution. I have monitored my application and attempted to obtain updates, but I have not received any meaningful response or substantive progress from the Department of Education. Despite the pending Borrower Defense claim, my federal student loans were placed into repayment status. To avoid delinquency and further financial harm, I have had to pursue deferment and other temporary repayment measures. The loans are tied to a program I enrolled in based on representations that the degree would provide meaningful career advancement, increased employment opportunities, and long-term financial benefit. I relied on the institutions representations regarding the credibility and value of the education being offered when deciding to enroll and assume federal student loan debt. However, the degree has not provided the promised professional opportunities or financial return represented during enrollment. The value and recognition of the degree in the workforce have been significantly less than what was presented by the institution, limiting my professional advancement and negatively affecting my earning potential. As a result, I have experienced ongoing financial hardship, including negative impacts to my credit, financial stability, and ability to advance professionally. The Department has taken no substantive action to resolve my claim, and the length of delay is unreasonable given the amount of time that has passed.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IL

Complaint narrative:
Beforehand I was on the XXXX plan to pay off my student loans. However, due to the administration shutting down the XXXX plan I have been waiting for a court ruling that will guide me in the right direction moving forward. Since there has been not many details released to the public regarding the case or what is happening moving forward I was unsure of what to do. I recently received an email from Mohela influencing me to switch my repayment plan because I did not want to get in trouble. Prior to all of this legal action regarding the XXXX plan I was paying XXXX $ a month to cover my repayment which in turn covered any interest that would've accrued. Since the XXXX plan has been brought to the court system the plan was stalled. This caused my loans to go into " administrative forbearance. '' Which I was under the impression should not accrue any interest until a final decision is made by the court system. I have checked today and somehow, even though I am making the proper " monthly payments '' through the save plan my loans in forbearance are still accruing interest.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 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: TX

Complaint narrative:
I was part of the class action lawsuit XXXX XXXX XXXX and I received a complete 100 % discharge of my Federal Student loans in XX/XX/XXXX ( please find letter attached ). Mohela started sending me emails that I " needed to make a payment '' several months ago and after calling them they all said " we are processing your refund so DO NOT MAKE PAYMENTS. '' I called yesterday XX/XX/XXXX and spoke with a supervisor who said I was now delinquent since I was not making payments. I said " how can I be delinquent for something that was paid in full and discharged? '' She said she would take me out of delinquent status and suggested forbearance as an option to stop the billing emails. I asked " why do I need to go in forbearance for something that was paid in full and you owe me money for and have not complied with the settlement agreement or court orders? '' She said they are " working on it but have no timeline. ''

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
I am selling the property and the title company requested the payoff quote on XX/XX/year> they were told XXXX days. I personally called and requested the payoff quote on XX/XX/year> and was given an eta of XX/XX/year>. the lady i am working with was given an eta of XX/XX/year>. I have had to postpone closing once already ad still do not have the quote. I have called at minimum 5 times and am told each time that it will be done in the a different time frame. I simply want the payoff quote so i can close on this property.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Imprint Payments, Inc.
State: MI

Complaint narrative:
b'Imprint Payments, Inc.XXXX XXXX XXXX XXXX TX XXXX and XXXX XXXX XXXX XXXX XXXX NY XXXX, took over the XXXX XXXX XXXX and issued me a XXXX XXXX XXXX XXXX. The account number issued to me is XXXX and the card number is XXXX XXXX XXXX XXXX. I charged a total of XXXX and paid that sum in two installments on XXXX XXXX XXXX and XXXX XXXX, XXXX. I received an electronic bill in XXXX XXXX ,with no credit for the first payment. I wrote Imprint on XXXX XXXX XXXX to complain about the failure to credit my account. On XXXX XXXX XXXX I received a paper bill demanding payment of the account also threatening to charge default interest. The account was paid in full through XXXX Bill Pay and drawn from my checking account at XXXXXXXX XXXX XXXX XXXX. I complained again in writing. Imprint has probably lost the payments in its system and its taking over was replete with problems in setting up my account and issuing a card. You cannot talk to a person and their XXXX XXXX will not allow you to speak to a human customer service representative'

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 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: OH

Complaint narrative:
I submitted a written request for a manual IDR Account Adjustment recount for my loans on XX/XX/year>. Instead of addressing the request, MOHELA sent me a generic delinquency notice and did not respond to the substance of my inquiry on XX/XX/year>. Delinquency does not prevent a borrower from receiving IDR Account Adjustment credit, and MOHELA is required to review my account and provide an accurate qualifying payment count. My loans also show missing payment schedules, inconsistent repayment histories, and Interest Rate Reduction Eligible benefits that were never applied. These issues indicate that my account requires a manual review. I am requesting that the Department of Education direct MOHELA to : Conduct a full manual recount of qualifying IDR months Apply all eligible forbearance, deferment, and repayment periods Apply preconsolidation time Review and apply the Interest Rate Reduction benefit Provide a corrected qualifying payment count MOHELAs refusal to respond to my request violates the IDR Account Adjustment guidance. I am requesting federal intervention.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-09 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: IA

Complaint narrative:
I am pursuing PSLF. On XX/XX/year>, I submitted an Income-Driven Repayment ( IDR ) application following the termination of the SAVE plan. On XX/XX/year>, MOHELA generated an official Repayment Schedule Notice explicitly approving my account for an 'Income-Driven Repayment ( IDR ) ' plan with 19 monthly payments of {$250.00} starting XX/XX/year>. When I called to ask why my online billing portal was displaying a conflicting demand of {$1100.00}, a representative claimed that the XX/XX/XXXX letter was merely a 'prediction ' generated coincidentally, and insisted that a new notice approving a {$1100.00} IDR rate had been sent on XX/XX/year>. This explanation is entirely false and points to a severe systemic processing error. First, a formal 'Repayment Schedule Notice ' outlining a specific 19-month payment tier is a binding legal disclosure, not an unapproved prediction. Second, MOHELA backdated their documents : during my phone call on the morning of XX/XX/year>, my secure digital inbox was completely empty of any such XX/XX/XXXX correspondence. Only after I hung up the phone did a new notice suddenly appear in my inbox, demanding the {$1100.00} amount split into two separate payments of {$960.00} and XXXX. Furthermore, MOHELA has improperly fractured my account into separate billing groups, resulting in two conflicting statements totaling {$1100.00} ( {$960.00} for one batch of loans and {$190.00} for the other ). I submitted a single IDR application on XX/XX/year>, intended to cover 100 % of my federal loans. I am uploading a date-and-time-stamped screenshot of my empty portal inbox from XX/XX/XXXX to prove that no such notice existed when I was on the phone. MOHELA is engaging in deceptive billing practices, issuing a legal disclosure for {$250.00}, hiding subsequent documentation, and attempting to force a massive payment increase due to a backend calculation error. I need the CFPB to intervene, audit this conflicting calculation mismatch, enforce the original {$250.00} rate established in the XX/XX/XXXX correspondence, and ensure my manual XXXX payment correctly routes to my PSLF tracking.

Company response to consumer: Untimely response