vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-06-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: Servicer under contract with Federal Student Aid
State: CA

Complaint narrative:
" I am filing this complaint because Federal Student Aid 's automated system has misclassified a 3-year period of my loan history, stalling my PSLF forgiveness. I have completed 11.5 years of qualifying public service for a tribal government. My current certified payment count is 106. FSA recently issued an administrative denial for the remaining 3 years ( 36 months ) of qualifying time, claiming I was on an 'unemployment deferment ' during the limited waiver period. This is factually incorrect. I was fully employed by a qualifying tribal government during this time. I have attached definitive, physical documentation from my loan provider at that time proving that my account status was actually a voluntary deferment, which qualifies for credit under the waiver rules. Because automated sweeps are failing to recognize this nuance, I am requesting a manual, human review of the attached provider history. Correcting these 36 months will place my account at 142 qualifying payments, passing the XXXX. I request that my payment count be updated immediately to reflect fulfillment of my PSLF requirements and that a refund be issued for all overpayments made past the 120th mark. '' I have been disputing this for 3 years. I worked for a qualifying employer under PSLF from XXXX to XXXX. Upon looking at my payments on XXXX XXXX that was applied under the limited waiver, I noticed that from XXXX through XXXX they did not count the " Voluntary Forbearance '' periods for that time. Voluntary Forbearance under the Limited Waiver should be counted. XXXX XXXX has sent me an email that I didn't qualify becasue it was forwarded from the servicer as " Unemployment Deferment ''. I have submitted 3 reconsideration cases for this. HOWEVER, this time I have proof which I received straight from MOHELA ( my loan servicer ) that from XXXX straight through to XXXX that I was in Voluntary Forbearance which they should count. Currently, I have 106 payments applied. I know what happended because when i spoke with someone they said they get the codes mixed up all the time. FURTHERMORE, you can see " I was actually working '' during that time. I have three documents, one PSLF form that clearly shows I worked from XXXX to XXXX. That is 11.5 years. I also have docuemntation from the sevicer that clearly shows it was " VOLUNTARY FORBEARANCE '' NOT " UNEMPLOMENT DEFERMENT ''. Please note that I did submit CFPB complaint but sent data from XXXX which showed I was in forbearance but didn't deipher wheter I was in forbearance or deferment. Also, it is clear I was working. It is a mess and this loan should be legally forgiven. XXXX XXXX GOT THE WRONG CODE or input the information wrong. I attached all the proof.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Lennar Financial Services, LLC
State: TX

Complaint narrative:
Per FTC Complaint Report Number XXXX an engineering report from Lennar on broken ceiling truss to allow closing per cure notice. Lennar failure to respond to XXXX results in four ( 4 ) hard pulls on my credit report with associated damage to my credit score & no home to buy. I now have two ( 2 ) hard pulls on my credit report from XXXX, one ( 1 ) hard pull on my credit report from XXXX, and one ( 1 ) hard pull on my credit report from XXXX. These hard pulls on my credit report have cornered me in the credit market, left me without a home to buy because I would not agree to close on a home at XXXX XXXX XXXX XXXX, TX XXXX per FTC Complaint Report Number XXXX, and constitute predatory lending practices.

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 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Monarch Recovery Holdings, Inc.
State: NV

Complaint narrative:
In XX/XX/year> I got XXXX then from 6 to 9 months after XXXX XXXX charged me {$3500.00} when I didn't even have that in my bank account and told me I had to pay them when I can't even withdraw that amount from myself but they negatively put that in there XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: January Technologies, Inc
State: FL

Complaint narrative:
I am filing a formal dispute regarding loan account XXXX. The merchant XXXX XXXX XXXX XXXX XXXX XXXX ( operating under the payment platform XXXX / XXXX ) charged me over {$1500.00} for a treatment package that was NEVER RENDERED. I formally requested a cancellation on XX/XX/year>, before receiving any services. The merchant completely ignored my request, and recently, their legal department sent false statements claiming they had no record of my communication, which is completely untrue as I have active text message records from them. Both XXXX and January have failed to conduct a proper investigation into this case of merchant non-performance and fraud. They are continuing aggressive collection efforts, demanding automated payments of {$230.00}, and threatening my XXXX XXXX for an invalid debt. I request that this account be closed immediately, the remaining balance be set to {$0.00}, and any negative marks be cleared from my consumer credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
am filing a formal complaint against Wells Fargo bank for freezing my account after I filed a dispute for over {$5000.00} on XX/XX/XXXX against XXXX XXXX under XXXX XXXX XXXX ( Misrepresentation ). My account is in good standing and has a positive balance. The bank has completely cut off my online and mobile banking access during their 10-business-day Regulation E investigation window. I am cooperating fully, but the bank is causing an unfair financial hardship by locking me out of my own money. I request that my account access be fully restored and that my provisional credit be issued on time.

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 2026-06-07 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
I am reporting contract fraud, document alteration, and deceptive autofinancing practices involving XXXX XXXX XXXX XXXX XXXX XXXX and Ally Financial. The original purchase date was XX/XX/year>. I signed a retail installment contract for a 2026 XXXX XXXX XXXX XXXX. After signing, the dealership altered multiple pages of the contract without my knowledge or consent and submitted these altered documents to Ally Financial. The lendersubmitted versions contain forged signatures, a fabricated Director title under my name, and modified financial terms that do not match the contract I actually signed. Key discrepancies include : Altered pricing and payment disclosures A changed sales tax line item A rebate the dealership initially claimed was incorrect, but later added to the forged contract A misrepresented tradein payoff amount that caused delays and financial exposure A refund check for {$1600.00} with no explanation, which appears tied to the altered contract pages I possess both the original signed contract and the altered versions submitted to Ally. The lender copies are stamped nonauthoritative, indicating they were modified after execution. I notified the dealership on XX/XX/year>. I also filed a fraud report with XXXX XXXX XXXX XXXX on XX/XX/year>. I have filed a complaint with the Federal Trade Commission ( Report XXXX. XXXX ) and previously submitted CFPB Complaint No. XXXX. I will also be reporting this matter to local law enforcement and additional state agencies. This conduct appears to involve forgery, deceptive financing practices, and misrepresentation of material terms. I am requesting CFPB review and referral to the appropriate enforcement channels.

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 2026-06-07 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: OR

Complaint narrative:
Subject : Systemic Delay in Issuing Identified Student Loan Overpayment Refund I am filing this complaint against MOHELA due to an ongoing, unreasonable delay of seven months in processing a student loan overpayment refund that has already been explicitly identified and acknowledged. Under federal student loan servicing standards, overpayments are required to be refunded to the borrower within a reasonable timeframe. MOHELAs failure to return my funds constitutes negligent account maintenance, unfair servicing practices, and the unauthorized withholding of my personal finances. Timeline of Events : XX/XX/XXXX my student loans were formally forgiven under public service loan forgiveness. XX/XX/XXXX : My account reflected an overpayment of {$150.00} following forgiveness of my loans. XX/XX/XXXX : MOHELA formally identified and acknowledged that an overpayment occurred and that a refund of {$150.00} was due to me. I received a response to a complaint filed on Mohela website stating, Our records indicate your request for a refund of payment made on XX/XX/XXXX for {$150.00} has been submitted for review and is currently processing. Please allow time for processing to be completed. There is nothing more at this time that we require from you. Current Status : As of today, XX/XX/XXXX, XXXX months have elapsed since the refund requirement was established, and I have still not received my funds, nor has MOHELA provided a legitimate justification for this extreme delay.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX,Transunion and XXXX violated my rights as a consumer under 15 USC 1681C-2 and I need these inquires blocked and deleted from my credit report within 4 days of receiving this ftc report under fcra law 605b. Remove; XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX, XXXX XXXX account XXXX date; XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX XXXX account XXXX dateXXXX XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX XXXX account XXXX date; XXXX XXXX XXXX, XXXXt account XXXX dateXXXX XXXX XXXX XXXX Remove addresses; XXXXXXXX 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 Remove inquiries; XXXX date; XXXX XXXX XXXX XXXX XXXX date; XXXX XXXX XXXX XXXX XXXX date; XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
Back on XX/XX/XXXXXXXX XXXX XXXX XXXX my credit card was fraudulently used to make a cash advance to XXXX XXXX. The account number for which the cash advance was deposited is XXXX. I have tried contacting this bank at XXXX and they are not willing or able to give me any information pertaining to this deposit of {$9500.00}. I have filed a claim with Bank of America on numerous occasions. I think I have been rejected now five different times.

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 2026-06-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
My husband is 100 % VA XXXX. Florida law grants full property tax exemption. I sent XXXX the VA letter XXXX XXXX certificate on XX/XX/year>. They confirmed receipt XX/XX/year> with " 5 day review ''. On XX/XX/year> they changed it to " 20 days ''. As of XX/XX/year> they still escrow {$3400.00} for taxes that are {$0.00} under XXXX XXXX XXXX. This violates RESPA. Demand immediate correction + refund with interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-06-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: NV

Complaint narrative:
I financed a XXXX XXXX XXXX XXXX with Santander Consumer USA, and my first payment was due on XX/XX/XXXX. On XX/XX/XXXX, I made a payment for {$600.00} which was posted correctly, making my next due date on XX/XX/XXXX. On XX/XX/XXXX, I paid another payment of {$600.00} trying to pay down the balance quickly, as they are charging me 29.99 % XXXX This payment was NOT posted correctly. The {$600.00} payment posted, they took {$130.00} in interest from the payment only crediting {$460.00} to the principal. However, the due date DID NOT change and is still showing I have another payment due on XX/XX/XXXX. If they are going to collect interest from the payment, it is counted as a regular payment. If they are NOT going to change the due date to reflect that payment, then the payment needs to be credited to principal only. I contacted Santander on XX/XX/XXXX, and advised them of the issue and was told they would be correcting the due date, as of this complaint they still have not fixed the issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-06-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XX/XX/year> I opened a XXXX XXXX XXXX credit card. The account-opening offer was a {$200.00} statement credit after an XXXX XXXX XXXX XXXX plus XXXX AAdvantage bonus miles after {$2000.00} in purchases within the first three months. I made qualifying XXXX XXXX purchases on XX/XX/year> ( {$220.00} and {$78.00} ) and crossed the {$2000.00} spending requirement by late XX/XX/year>, well within the three-month window. Neither the {$200.00} statement credit nor the XXXX bonus miles has ever posted. Beginning in XX/XX/year>, I contacted Citi by phone nearly every month. Early on I was given shifting explanations, including that the promotion was not tracking, that it had been " escalated to the backend team, '' or that my spending could not be verified. More recently, agents can see that my account is fully documented but simply tell me to keep waiting while the matter is escalated again, and no one I have reached is empowered to actually apply the bonus. Citi has acknowledged the problem in writing twice. A letter dated XX/XX/year> acknowledged a delay in issuing both the statement credit and the XXXX bonus miles, stating the credit would post within up to XXXX billing cycles and the miles within XXXX to XXXX months. After I filed a Better Business Bureau complaint ( Case # XXXX ), Citi 's XXXX XXXX XXXX sent a letter dated XX/XX/year> ( Citi Reference Number XXXX ) confirming I had met the {$2000.00} spending threshold and was eligible for the XXXX miles, and again acknowledging a delay on the statement credit. Despite both written admissions, as of XX/XX/year> neither benefit has posted. It has been roughly XXXX months since I met all requirements, and the offer remains unresolved.

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 2026-06-07 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: OH

Complaint narrative:
XXXX This complaint is associated with the case listed above. We have disputed the loans taken out through the XXXX XXXX XXXX and XXXX XXXX university due to the borrowers defense, one year ago in XX/XX/year>. Due to the amount of time that has past without proper resolution, I am now requesting the deletion of these loans and their entirely. Per sections 15 U.S.C. 1681i ( a ) ( 1 ) : The 30-day mandate. And 15 U.S.C. 1681i ( a ) ( 1 ) ( B ) : The 45-day extension rule. And 15 U.S.C. 1681o : Negligent non-compliance. I feel discriminated against and unheard.

Company response to consumer: Untimely response
Consumer complaint received 2026-06-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Completed IC3 report XXXX XXXX XXXX Police Department report number XXXX Wells Fargo Banking ( WF ) report XXXX All three we started XX/XX/year>. Additionally, I called Customer Service and complained about the action or inaction of the report status I received in the email from WF. Wells Fargo Customer Service Representative elevated the complaint to : XXXX. I am waiting for further information as the bank Manager did not help me with my concerns. I have lost $ XXXX so far and all the Manager said is to go to the police. You can publish the report to help others but, this report does not give the full information contained in all reports combined. 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 2026-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Confusing or misleading advertising or marketing
Company: Cornerstone First Mortgage, Inc.
State: IL

Complaint narrative:
I am filing an emergency complaint against Cornerstone First Mortgage ( XXXX # XXXX ) for predatory timeline manipulation, bait-and-switch loan product changes, and intentional bad-faith sabotage of a real estate transaction. I have been held in processing for a total of 83 days across two different loan numbers forced upon me by this lender.1. Unauthorized Product Switch and TILA Violations : On the first loan number, the lender altered my loan product from Conventional to FHA around XX/XX/XXXX without my knowledge or written consent because the file failed Conventional automated underwriting ( AUS ). They concealed this product change for weeks and incorrectly ordered an FHA appraisal under a Conventional designation. By hiding this switch, they violated federal TILA disclosure laws and placed my earnest money deposit at severe risk because the seller never approved an FHA financing switch on our contract. When the original staff member left, Senior Vice President XXXX XXXX forced me to sign a new application under a second loan number, claiming a system reset was required to artificially wipe out their processing timeline. I am currently on Day 38 of this second loan number ( Day 83 total ) and hold conditional underwriting approval.2. Intentional Sabotage and Refusal to Fulfill Loan : As proven in the attached email from XXXX, the lender has formally stated they are at a " standstill '' and are officially refusing to fulfill my conditionally approved FHA loan. They are explicitly pressuring me to abandon my valid contract and telling me to go find a local lender at Day 83. They are using a false pretext, claiming their XXXX can not locate an appraiser due to a complex boundary issue involving a permanent " mobile home. '' In reality, the structure is a temporary RV parked under a carport used strictly for storage.3. Actively Blocking the Resolution : The surveyor confirmed that labeling this RV as a mobile home on the draft paperwork was a simple clerical error and explicitly offered to issue a corrected survey immediately to clear the appraisal bottleneck. However, XXXX XXXX XXXX actively ordered my real estate agent XXXX to " wait '' and halt the correction. The lender is intentionally blocking a professional surveyor from fixing a clerical error so they can continue to use the error as an artificial excuse to abandon my file and force a contract breach. I demand an immediate corporate escalation, acceptance of the corrected survey, immediate appraisal assignment, and fulfillment of my loan. I have additional emails and text messages but ran out of space

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation