vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-08 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: WA

Complaint narrative:
I am submitting this complaint regarding unresolved PSLF Buyback/Reconsideration requests that have been pending for over 12 months without resolution or meaningful status updates. In XX/XX/XXXX, I submitted PSLF Buyback/Reconsideration requests to federal Student Aid related to qualifying payment credit during periods of administrative forbearance. These requests were assigned Case Numbers XXXX, XXXX, and XXXX. Despite repeated follow-ups, my requests remain unresolved more than a year later. In XX/XX/XXXX, I was informed over the phone that my case was in final review, yet no determination or buyback agreement has been issued. I submitted a feedback/complaint Case # XXXX to create documentation of this and it was closed with no resolution or information provided. Because of the prolonged delay, I filed a complaint requesting escalation and review by the FSA Ombudsman Group. That complaint was assigned Case # XXXX. The response I received did not address the substance of my concerns, did not provide a resolution timeline, and the case was subsequently closed without resolution, ignoring my request to escalate the matter. On XX/XX/XXXX, I formally requested escalation to the Ombudsman Group for independent review and received an automated response stating I would receive a response within 15 days. As of today, I have received no update or confirmation that my request has been accepted for review. My buyback requests have now been pending for over 14 months while I remain in administrative forbearance without the ability to resolve the matter through normal repayment channels. I have maintained qualifying public service employment for 13 years and am currently 14 qualifying payments away from PSLF forgiveness. I am prepared to immediately submit a lump sum payment once a buyback agreement is issued. However, because my loans remain in administrative forbearance related to the ongoing SAVE plan litigation and my buyback requests remain unresolved, I am unable to make informed repayment decisions without risking additional delay in reaching PSLF eligibility. I am requesting that the Department of Education review and resolve my pending buyback requests, provide a determination or buyback agreement, and clarify how the extended administrative forbearance period will be treated for PSLF qualifying payment credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2026 at approximately XXXX, I attempted to withdraw {$360.00} from an ATM located at a gas station operated by XXXX XXXX XXXX XXXX During the transaction, the ATM began dispensing cash but only dispensed {$20.00} before stopping and displaying an error message stating Error while dispensing. The machine then shut down and did not dispense the remaining {$340.00} of the requested withdrawal, and no receipt was printed. Despite this error and incomplete cash dispense, the full {$360.00} was immediately debited from my Chime account. I filed two disputes with Chime explaining that the ATM malfunctioned and only partially dispensed the requested amount, but both disputes were denied based on merchant-provided transaction records claiming the withdrawal was successful. I have a photo showing the ATM error message as evidence. Chime later provided partial ATM transaction records ; however, these appear to be receipt-style transaction summaries and not the full ATM Electronic Journal ( EJ ) event log or the ATM cash settlement/balancing report. These documents do not show the dispenser status, internal error events, or cash cassette balancing that would confirm whether a partial dispense or dispense error occurred. Under Regulation E of the Electronic Fund Transfer Act, financial institutions are required to conduct a reasonable investigation into electronic fund transfer errors. I believe the investigation conducted was incomplete because the full ATM electronic journal and ATM cash settlement records from XXXX XXXX XXXX were not properly reviewed. I respectfully request that Chime conduct a proper investigation and obtain the complete ATM Electronic Journal log and ATM cash settlement report to verify that the ATM malfunctioned and that the remaining {$340.00} was not dispensed. If this matter can not be resolved through the dispute process, I will consider pursuing further remedies available to me. The transaction documentation provide by Chime also shows additional transaction error recorded on the same ATM later that day. This suggests the machine may have been experiencing operational issues. However, the records provided do not include the complete ATM electronic journal event log or dispenser status information that would confirm wether a dispense error or cash jam occurred at the time of my withdrawal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: CA

Complaint narrative:
. I received a {$15000.00} XXXX back in late XXXX and received an email from Mohela stating those payments payments would count towards my XXXX loan forgiveness payments, however, I noticed those payments stopped counting back in XX/XX/XXXX. They were supposed to cover all of XXXX. I also have a dependent as of XX/XX/XXXX. I want to know how to make the final payments to ensure my loans get forgiven. I have emailed, mailed letter, and called mohela since XX/XX/XXXX, with no luck. More recently, I was given a XXXX for {$64000.00} and its in overpayment. I have requested they refund me via check, with no luck. Can someone please help me?

Company response to consumer: Untimely response
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: BARCLAYS BANK DELAWARE
State: MT

Complaint narrative:
I am submitting this complaint because Barclays has refused or failed to update the email address and phone number associated with my credit card account after those contact methods were compromised. My previous email address and phone number are no longer secure. I contacted Barclays to update them to my new contact information so I can safely access and monitor my account. Barclays XXXX informed me that my new phone number is not associated with my name and therefore they can not update my account. This explanation is unreasonable because the phone number is newly issued to me and legitimately belongs to me. As a result, I can not properly secure my account, receive security alerts, or ensure that unauthorized access does not occur. This creates a serious identity security and XXXX risk. I have attempted to resolve this directly with Barclays but they have not provided a workable solution to verify my identity and update my contact information.

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 2026-03-08 00:00:00
Product: Debt collection — Auto debt
Issue: Electronic communications — Frequent or repeated messages
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
Still reporting on a closed charge off account 15 U.S.C. 1681e ( b ) Requires credit bureaus to report maximum possible accuracy. If the account is closed and charged off but still reporting as active or updating monthly, it may be considered inaccurate. Under 15 U.S.C. 1681s-2 ( a ) Creditors must not report information they know is inaccurate, including : Reporting a balance on a debt that is no longer collectible Continuing to update a charged-off account as if it is active Under 15 U.S.C. 1681s-2 ( b ) Once a dispute is submitted through the credit bureau , the creditor must : Conduct a reasonable investigation Correct or delete inaccurate information Under 15 U.S.C. 1681c ( a ) Accounts can not be re-aged or continually updated in a way that misrepresents the status of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: FIRST PORTFOLIO SERVICING INC
State: CA

Complaint narrative:
In XXXX, XXXX XXXX and the Revvi credit card servicing team contacted me regarding my account. At that time I was told that I did not qualify for hardship assistance because the account was still current. I accepted that explanation and attempted to continue managing the account responsibly. Since that time my situation has changed and the account is now overdue. However, the bank has not conducted a hardship review or offered any meaningful assistance. In addition, I can not access my account online because it is tied to an outdated email address that I no longer have access to. Because of this, I am unable to log in to review statements, balances, or account activity. I have requested that XXXX XXXX update the email address associated with the account so that I can regain access, but this has not been resolved. Being locked out of my account prevents me from properly monitoring or managing the account. I have also requested written communication so that there is a clear record of communication, but the banks failure to update my contact information has hindered that process. I am attempting to communicate and address the situation responsibly, but the bank has not corrected the account access issue or reviewed the account for hardship options now that it is overdue.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
The company is reporting a balance that is not accurate. A court judgment from XXXX XXXX XXXX XXXX removed me from the case. At the hearing, the judge crossed my name off the judgment and left the remaining tenant responsible. I was not present because I had already moved out. My XXXX appeared on my behalf. The landlord and the remaining tenant were present when the judge made this decision. The company received the judgment and written confirmation from my attorney but still verified the account as accurate. The documents they submitted ( lease and validation letter ) do not show that I owe anything. Their own resident ledger shows I was never billed for rent, utilities, fees, legal charges, or moveout charges. I also provided SCRA verification, but the company still transmitted SCRA information to the tenantscreening company. This information should not have been shared. The company verified the account even though the court judgment, attorney confirmation, and their own ledger contradict the reported balance. This does not meet the requirements of a reasonable reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
On XX/XX/year>, I submitted a dispute withXX/XX/XXXXegarding an account being reported by LVNV Funding LLC ( Account ending in XXXX ). I disputed the accuracy of this account and requested that the information be investigated and validated. XX/XX/XXXX later notified me that the account had been investigated and verified as accurate and that the information would remain on my credit report. However, I have not received any documentation from LVNV Funding LLC validating the alleged debt or confirming the accuracy of the information being reported. Under the * * Fair Credit Reporting Act ( XXXX XXXX. XXXX ( b ) ), companies that furnish information to credit reporting agencies are required to conduct a reasonable investigation after receiving notice of a dispute. Additionally, XXXX XXXX. XXXX requires credit reporting agencies to ensure that disputed information is properly investigated. Despite my dispute, the account was simply marked as verified without providing documentation supporting the debt. I have not received any evidence showing : A signed agreement or contract creating the alleged debt A complete account history showing how the balance was calculated Proof that LVNV Funding LLC has the legal authority to collect or report this debt Documentation confirming the accuracy of the information being reported to the credit reporting agencies Because the account was verified without providing validation or supporting documentation, I am concerned that a reasonable investigation may not have been conducted. I respectfully request that LVNV Funding LLC provide proper documentation validating the debt and their authority to report it. If such documentation can not be produced, I request that the account be removed from my credit reports with all credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 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: Exto Inc.
State: MD

Complaint narrative:
XX/XX/XXXX. 2026 I tried to make XXXX purchases from XXXX by XXXX. XXXX was for a moto G 2026 and the XX/XX/XXXXpurchase was for a XXXX XXXX with a {$30.00} phone plan. Both purchases were timed-out on my computer meaning they didn't go through and the website said " sorry the page you requested can not be reach '' but the charges went through to my card. XX/XX/XXXX XXXX contact Atlas Rewards Credit Support and was told by XXXX i would have to wait XXXX days. XX/XX/XXXX I contacted support again and was given the same answer. XX/XX/XXXX i tried contact again was told the same script without any effort from customer support when its clearly been past XXXX at this point. XX/XX/year> customer support is just simply ingoring my request at this point, no one is responding and this is very unprofessional and nerve racking honestly to have people like this having access to our info

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I received an offer for a balance transfer on my Chase credit card. It said 0 % for 1 year. There was a {$750.00} transaction fee which I paid at the time. Then my understanding was 0 % interest for a year. While that is technically correct, what I did not understand was that at the time of transfer, even though my account showed another $ XXXX of available credit, every purchase made accrued interest the day it was made. In essense, this changes the credit card to not a credit card. If you say I have " available credit '' that indicates to me that my credit card is functioning like all normal credit cards do. You make purchases, at the end of the month you get a bill. If you pay bill in full you pay no interest. This is what I was doing every month. I was very careful to pay off the balance transfer before the offer expired so that I would not incur any interest. When I did so, I saw interest on the account. When I looked carefully at the account I noticed I had been charged varying interest amounts every month. When I called to inquire Chase informed me I had paid {$2600.00} in interest ( on normal transactions made and paid off by due date each month ) because those charges were no longer charged interest after due date, they were charged interest starting the day the purchase was made. They called it " trailing interest. '' I've never even heard of this term. This is TOTALLY misleading, unethical and should be illegal. No one would possibly think that your credit card would no longer be a credit card if you take advantage of a balance transfer for a portion of your available credit, especially when online in the account it shows " available credit ''. In total I paid $ XXXX {$750.00} = {$3300.00} for a 1 yr 0 % interest $ XXXX balance transfer. That's the equivalent of 22 % interest. That should be a crime. This is a horrible and misleading business practice. I placed a formal complaint with Chase and closed my card that I have had open since 1995. I refuse to do business with a company that operates with these predatory and unethical business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I am submitting this response because Capital One has not corrected an issue regarding a settlement agreement on my charged-off account. I agreed to a settlement with Capital One and paid the agreed settlement amount in full before the scheduled automatic payments were completed. After making the settlement payment early, I canceled the remaining automatic payment to prevent additional withdrawals, since the settlement balance had already been satisfied. Despite this, Capital One later treated the cancellation of the automatic payment as a cancellation of the entire settlement agreement and began claiming that I still owed the remaining balance. This is incorrect. The settlement amount was already paid in full. I contacted Capital One customer service twice regarding this issue. During both calls, representatives reviewed the account notes and confirmed that the settlement payment had been received and that the matter would be reviewed by their internal department. I was specifically told that the back office agreed to honor the settlement. However, no correction or update has been made to my account, and I am still being told that I owe a balance. I fulfilled my obligation by paying the agreed settlement amount. Canceling the remaining automatic payment after the settlement was satisfied should not invalidate the agreement or create a new balance. I am requesting that Capital One : XXXX. Honor the original settlement agreement. XXXX. Correct the account to reflect a {$0.00} balance with the status settled. XXXX. Update any credit reporting to accurately reflect that the account has been settled. I have attempted to resolve this directly with Capital One multiple times without success. I am requesting CFPB assistance to ensure this settlement is honored and the account is properly corrected.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AR

Complaint narrative:
XX/XX/XXXX XXXX was stolen off my chime account Then XX/XX/XXXX around XXXX XXXX I lost my phone and someone was using my XXXX XXXX and spent over XXXX dollars we I bought a new phone I logged in seen the purchases and I disputed them as soon as I was able too I had police report etc and I keep being denied!!!! Thats XXXX took from me without my authorization and its unacceptable I have kids and bills

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a Synchrony Home credit card issued by Synchrony Financial. The account was closed by the lender more than a year ago, but I have continued making payments toward the remaining balance. The original purchase was under a XXXX promotional financing plan with deferred interest. The promotional period ended on XX/XX/year>. On that date, Synchrony applied an interest charge of {$1800.00} labeled interest charge on purchases, which increased my balance to approximately {$3000.00}. Prior to the promotion ending, I changed my payment due date and continued making payments on the account. The account itself has been closed for over a year, and I have remained actively making payments toward the balance during that time. After the interest charge posted, I contacted Synchrony customer service multiple times to request a review or explanation of the charge. Representatives told me there was no hardship program available, refused to transfer me to a supervisor or escalation department, and stated the interest charge could not be adjusted. Because the account has been closed for over a year and I was actively making payments, I am requesting that Synchrony review whether the deferred interest was properly applied and whether the promotional terms were clearly disclosed and calculated correctly. I am requesting : A full review of the {$1800.00} deferred interest charge A clear explanation of how the interest was calculated and applied Consideration of an adjustment or reasonable repayment solution if the charge remains

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 2026-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Credit Karma, LLC
State: GA

Complaint narrative:
I disputed several unauthorized transactions on my Credit Karma XXXX account, I reported that I did not make or authorize these transactions. The company denied my dispute and stated that no error occurred, but they did not provide documentation showing how the transactions were verified as authorized. I requested the following information : Transaction authorization logs Merchant receipts or point-of-sale records PIN verification logs Any documentation used to determine that the transactions were authorized I also requested that the dispute be reopened because I believe the investigation was not conducted properly. During this process my account was closed and I was told a check was mailed for my remaining balance of {$1800.00}, leaving me without access to my funds while this dispute is ongoing. I am requesting that the company provide the documentation used to deny my dispute and conduct a proper investigation into the unauthorized transactions. I also want confirmation that my remaining balance has been issued correctly and access to my funds without unnecessary delay.

Company response to consumer: Closed with non-monetary relief