vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally file a complaint against MOHELA, my federal student loan servicer, due to repeated and ongoing issues with their customer service and handling of my student loans. 

I have had an extremely poor experience attempting to contact MOHELA. On multiple occasions, I have been placed on hold for several hours, only to have my call disconnected or canceled without any resolution. Despite repeated attempts, I am often unable to reach a live representative at all. 

When I have managed to speak with MOHELA representatives, I have been provided with incorrect or conflicting information regarding my loans. The representatives frequently appear to lack basic knowledge of federal student loan programs and repayment options, which has resulted in confusion, misinformation, and unnecessary delays. This has made it very difficult for me to manage my account appropriately and has caused significant frustration and stress. 

Overall, MOHELAs customer service has been unprofessional, unreliable, and ineffective. Their inability to provide accurate information or timely assistance raises serious concerns about their competence as a federal loan servicer and their compliance with borrower protection standards. 

I respectfully request that the CFPB review MOHELAs practices, investigate these issues, and take appropriate action to ensure borrowers receive accurate information, reasonable access to customer service, and proper handling of their student loans. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH

Complaint narrative:
After almost nine years with USAA, I was told on the evening of XX/XX/year>, my account was restricted. I discovered this while out for dinner with family. When I arrived home, I contacted USAA to see why my checking, savings and American Express Card issued by them was restricted. They informed me USAA had made the decision to close my account with no further explanation. They then explained all future debits to my account would be returned or denied. Direct deposits would continue, with no access to these funds. I was then told it would take up to 60 days to have these funds mailed to me. This leaves me with no access to monies needed to pay bills and survive, causing undue hardship. I did not have time to stop my direct deposit for my paycheck to stop, leaving me with no funds at all. Very unfair.

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 2026-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: NC

Complaint narrative:
My company has a commercial loan serviced by Shellpoint Mortage Servicing.The loan is secured by a deed of trust against five properties. The loan documents provide that any one or any subset of the five properties may be released from the deed of trust upon payment of a partial release price. On XX/XX/year>, I emailed XXXX to request a partial release payoff statement as instructed by the company. Ten business days have passed and the company still has not provided the partial release payoff statement. This morning, I called the customer service department again. The representative was unable to provide any update on my request. She stated that she should send a follow-up email to request a status update. I did that, however, I am not confident that I will receive any response. I need the requested partial release payoff statement immediately in order to close the sale of my property.

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 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XX/XX/XXXX. I called bank america to add my son to my account. took my sons info and said paperwork would be attached to my account online.and by usps. today is XXXX still have not received any paperwork XXXX my son deposited a check signed payble to XXXX XXXX XXXX me ) signed his name an dl number. 

XXXX check was deposited and gave a clear date of XX/XX/XXXX. 

XX/XX/XXXX BOA place of fraud, alert on my account locking my money up. I never received a call. Or what was placed on fraud. 

XXXX received a phone call from Bank of America XXXX who the person of the check was and the phone number to contact them to verify. I returned the call explain the situation. My son should be on the account and gave him his name and phone number.. 

XXXX called the fraud department again because funds still not released. I have no access to my account. I am unable to get gas to go to work. I am unable to buy food for my grandson. My account has been locked. Once again gave them my son 's name and phone number. 
When you call this number, they don't want to give you any information. Just tell you to wait. I spoke to a supervisor again. I was told just to wait. This has been going on now for over a week. 
They say it's up to the analyst, but yet I am not able to talk to the analyst. I'm only allowed to talk to people in customer service or fraud department that will give you absolutely no information. 

So for over a week, I can not get any information, but I got a wait from Bank of America as all of my money is tied up in this account and I am unable to access it. 

So due to incompetence of Bank of America and the lack of caring about their customers and this situation that they caused in my life situation is so uncalled for. No Ones bank account should be held for this period of time, waiting on BOA to do their job.I am still waiting on my account to be cleared. There'is no fraud on my account. There has never been fraud on my account. 

insane to do to this to someone. Its cruel.it should not take this long to verify info. 

Also have not received the paperwork they were to send.

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 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am filing this complaint against Wells Fargo for unlawfully restraining and/or releasing funds from my XXXX XXXX  business bank account based on a XXXX creditor garnishment that was legally void.

What Happened Wells Fargo allowed a Maryland creditor to garnish or levy funds from my XXXX XXXX  business account even though : The Maryland judgment was NOT domesticated in North Carolina There was NO XXXX XXXX writ of execution There was NO XXXX XXXX court or sheriff involvement Under XXXX XXXX law, a foreign judgment has no legal force or effect unless it is properly domesticated and enforced through XXXX XXXX courts. Because none of these requirements were met, the garnishment was void ab initio.

Despite being notified, Wells Fargo has continued to retain and/or restrict my funds without legal authority. 

Why This Is a Violation Wells Fargos actions constitute : Violation of XXXX XXXX execution and jurisdiction law Denial of due process under the Fourteenth Amendment Wrongful levy and conversion of business funds Failure to follow bank levy-compliance and duty-of-care obligations Unfair and deceptive practices Once Wells Fargo was placed on notice that the levy was void, any continued hold became knowing and willful retention of funds without legal process. 

Harm Caused Business funds were unlawfully seized or restricted Business operations were disrupted Financial harm and risk of cascading losses occurred Time and resources spent attempting to correct Wells Fargos error

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 2026-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Servicer under contract with Federal Student Aid
State: MA

Complaint narrative:
I am applying for XXXX XXXX XXXX XXXX. Although I have been in repayment for many years with the same employer, there are XXXX  months that have disappeared from my payment tracker on the FSA website. There is no data ( no payments, no ineligible payment, no forbearance payments ) for the months XX/XX/XXXX until XX/XX/XXXX. I have confirmed with XXXX that I have been in active repayment during this time, and I have also submitted Employer Verification Forms. In XXXX of 2025, I have submitted a reconsideration request ( after months of discussions with FSA telling me to be patient and the payment counts were loading at various times ). I have not heard back yet XXXX months later, and I am due to hit my XXXX payment this month. I have also submitted a Feedback CasXXXX in XXXX, and again XXXX weeks ago. I have not heard back. This is unacceptable communication with a borrower who is due for forgiveness. I can not even apply for forgiveness they say because my account doesn't read " XXXX payments '', nor will they respond about the error on my account that has removed XXXX  months of payments. I am going in circles calling XXXX and FSA, and no one knows what is going on. Thank you for all your help.

Company response to consumer: Untimely response
Consumer complaint received 2026-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/XXXX, XXXX AM : Unauthorized access to my XXXX XXXX online account ( which I had used only once, about 2 years prior ). 

XXXX XXXX  : Received an email from XXXX XXXX stating that " XXXX '' could pick up a transfer of {$500.00} + {$29.00} fee ( total {$520.00} ). 

XXXX XXXX  : Received an email confirming that my XXXX XXXX profile had been updated. 

XXXX XXXX  : Received an email stating that the receiver name had been updated from one name to another. 

XXXX XXXX  : Received another email stating that " XXXX '' could now pick up the money. 

XXXX XXXX  : Received a final email confirming that the money had been picked up. 

XXXX of XX/XX/XXXX : My wife checked her email, noticed the suspicious notifications, and immediately called XXXX XXXX. They deactivated the account, provided Case # XXXX, and requested consent to contact authorities ( which she granted ). 
Immediately after : Called Wells Fargo, as the transaction was still showing as pending. Provided details of the fraud. Wells Fargo canceled her ATM card, issued a new one, reversed the charges ( {$520.00} ), and assigned Case # XXXX. 

XX/XX/XXXX : Received a letter from Wells Fargo denying the claim, stating that the " provisional credit '' would be deducted. Immediately called the bank to request the reason for denial and proof of their findings ( which we have yet to receive ). Requested escalation and were transferred to the XXXX XXXX XXXX XXXX, which assigned a new Case # XXXX. We provided them with copies of all XXXX XXXX emails, the XXXX XXXX Case # XXXX, and the XXXX XXXX Police Report # XXXX. 

XX/XX/XXXX : The Wells Fargo representative confirmed receipt of our emails and documents, stated she would review the case, and said she would reach out if she had questions. She ended the call without allowing further discussion of details. 

XX/XX/XXXX : Received a letter from Wells Fargo denying the claim again, stating that their investigation was complete. 

I've been a Wells Fargo customer for more than 30 years. If my bank can't protect my money, who can? If this is for a specific purpose ( e.g., attaching to a CFPB complaint or appeal letter ), let me know if you'd like me to adjust the format furthersuch as turning it into a formal letter template or adding placeholders for sensitive details like case numbers. Based on our previous conversation, this clearer narrative could strengthen your filings with the CFPB or OCC, as it highlights the timeline and your prompt actions.

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 2026-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. these are the accounts :

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ability Recovery Services, LLC
State: TX

Complaint narrative:
A medical collection from XXXX XXXX XXXX of XXXX  is being reported on my credit. I live in XXXX  and have not been in XXXX  nor received XXXX XXXX there in over five years. I have never been treated by this provider or XXXX XXXX. I received no prior billing, insurance Explanation of Benefits, or notice of this account. Additionally, I am a 100 % XXXX XXXX veteran and receive medical care through the VA, which further supports that I would not have incurred out-of-state emergency medical charges without my knowledge. I dispute this account in its entirety and request deletion due to lack of validation and inaccurate reporting. attempted to contact the furnisher to request debt validation, but my phone number is blocked and calls do not go through. The company continues to report this medical collection while preventing reasonable consumer communication. I have requested validation in writing. When I attempted to request debt validation, the representative did not provide any information or documentation regarding the alleged debt. Instead, I was told to file a police report. This response was unprofessional and did not address my lawful request for validation. A police report does not replace a creditors obligation to validate a disputed debt. The company continues to report this account while failing to provide required documentation.I dispute this medical collection and requested debt validation. The representative did not provide validation and instead instructed me to file a police report. This does not satisfy the collectors obligation under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ).

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 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: TD BANK US HOLDING COMPANY
State: GA

Complaint narrative:
I am filing this complaint because Target Card Services ( issued by TD Bank ) has repeatedly failed to provide a replacement for my expired Target  XXXX  Card, despite multiple requests and confirmation that they have my correct address. My original card expired in XXXX. As of today, XX/XX/year>, I still have not received a functional card. 

Timeline & Details : Expiration ( XXXX ) : My card expired in XXXX. The standard automatic replacement never arrived. 

Request # 1 : I contacted customer service to request a replacement. I was told a card was shipped, but it never arrived. 

Request # 2 : I called again to report the non-receipt. During this and subsequent calls, I specifically requested that the card be sent via a trackable service ( XXXX or XXXX ) because standard mail was clearly failing. I was told " no '' and that it could only be sent via standard XXXX mail. 

Request # 3 : I called a third time to follow up. Following this request, I received a physical letter via XXXX at my home address. This letter confirmed that a replacement card was on its way and verified that the bank has my correct mailing address. Despite this written confirmation, the card itself never arrived. 

The Problem : I have been unable to access my account or the 5 % discount benefit for three months. Each time I call, the representatives follow a script that results in a standard mail shipment that never arrives. The bank 's refusal to provide a trackable shipping method or investigate why their fulfillment system is failingdespite having my correct address on filehas effectively blocked me from using my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SANTANDER HOLDINGS USA, INC.
State: RI

Complaint narrative:
My account was frozen XX/XX/XXXX I can not use any of my money or pay any bills, make transfers, or online banking. I have been told I made to many wires and my account was frozen. Each wire was made in the Santander bank and approved by an associate. I had an issue with a certain wire that I sent to crypto and decided to just send it back to Santander. Then from there I wanted to send to somewhere else. They locked my account for this reason. I have called at least 12x and all they can say that it is pending investigation and will not allow me to speak with anyone handling the investigation andthat they have no number to be able to contact that department. I can not pay my bills, mortgage, grocery, I can not buy anything. I have pleaded with them to resolve the matter.

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 2026-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I reported unauthorized debit card transactions on XX/XX/year> after my phone was stolen and my debit card was used via XXXX XXXX without my authorization. Bank of America issued provisional credit on XX/XX/year>. 

Under Regulation E ( 12 CFR 1005.11 ), Bank of America was required to complete its investigation and notify me of the results within 45 calendar days of my notice of error, which was XX/XX/year>. 

Bank of America did not issue its final decision until XX/XX/year>, exceeding the statutory deadline. Provisional credit does not extend or restart the 45-day deadline. 

This constitutes a violation of Regulation E. I am requesting permanent credit of the disputed funds and written acknowledgment that the investigation was not completed within the required timeframe.

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 2026-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: VA

Complaint narrative:
I am undergoing an income verification review with Discover involving IRS Form 4506-C. I proactively contacted Discover to clarify the income information being relied upon, as my application included VA income which does not appear on IRS transcripts.

I requested disclosure of the income amount currently reflected on my account and asked whether alternative documentation for VA income could be provided to avoid an incorrect mismatch.

On several separate calls, Discover representatives were hostile and terminated the calls without addressing my request.

I am requesting written clarification of : The income amount Discover is relying on for this review Whether VA income may be documented separately to supplement IRS verification I am attempting to cooperate in good faith and avoid an adverse action based on incomplete verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: TX

Complaint narrative:
JEFFCAPSYS is falsely reporting on my credit. I have never had any accounts with them. Per my research JEFFCAPSYS is a debt collector. They are falsely reporting on my credit!! Account number is XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation