vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-20 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: FL

Complaint narrative:
I am disputing MOHELAs assessment of a delinquency and past-due balance that arose while my Income-Based Repayment ( IBR ) request was pending. 

MOHELA placed my federally consolidated student loans into standard repayment and assessed a payment of {$2600.00} beginning XX/XX/year>, even though I was actively seeking and later approved for IBR. My IBR was approved effective XX/XX/year>, with a monthly payment of {$120.00}. 

MOHELA failed to apply administrative forbearance during the IBR processing period and instead allowed my account to become delinquent. I dispute the validity of this delinquency and the resulting balance.

What went wrong ( details ) MOHELA acknowledges that my account was disclosed for standard repayment before my IBR approval date.

MOHELA acknowledges that my IBR payment was approved after the delinquency had already accrued.

Despite this, MOHELA denied retroactive administrative forbearance and continues to treat the delinquency as valid.

This resulted in : An inflated past-due balance Improper delinquency reporting Ongoing collection on an amount created solely by a servicing gap I am currently paying my approved IBR amount of {$120.00} each month in good faith while disputing the delinquency. 

Why this is an error Federal student loan servicing guidance requires servicers to protect borrowers from delinquency while IDR/IBR applications are pending, typically through administrative forbearance. MOHELAs failure to do so shifted the burden of its processing delay onto me.

The delinquency exists only because MOHELA placed my loan into standard repayment during the IBR processing window.

Harm suffered Improper delinquency and past-due balance Financial stress and risk of credit harm Time spent disputing servicer error Ongoing collection pressure despite compliance with IBR What I want the company to do Apply retroactive administrative forbearance covering the IBR processing period Remove the delinquency and associated past-due balance created during that period Correct any negative reporting related to the disputed delinquency Confirm in writing that my account is current under IBR with no delinquency related to the processing gap

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Stratus Financial LLC
State: MA

Complaint narrative:
Issues : " Dealing with my lender or servicer '' / " Received bad information about my loan '' Description : I am submitting this complaint against Stratus Financial due to deceptive marketing of a payment plan and unfair capitalization of interest.

I took out a loan for {$95000.00}. During my first year of school, the lender offered me a " {$25.00} per month '' payment option, which was presented as a financial aid benefit to help me manage my expenses while studying.

At no point was it clearly disclosed that this " benefit '' would result in {$22000.00} in finance charges being added to my principal, plus an additional {$3300.00} in accrued interest. I am now facing a situation of negative amortization, where my debt is growing exponentially because the lender is charging interest on top of finance charges and previously unpaid interest ( capitalization ).

When I contacted Stratus Financial to request a correction and to return my loan to the original principal balance so I could begin making standard monthly payments, they stated they could not help me. 

Requested Resolution : I am seeking a billing adjustment to remove the excess finance charges and interest that resulted from the lack of transparency regarding the $ XXXX plan. I want to honor my original debt of {$95000.00} and begin making regular, amortized payments that actually reduce the principal balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally dispute inaccurate or unverifiable information on my credit report as provided under Section 605 ( b ) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ( b ) ) .This account does not belong to me and need to be removed as soon as possible.

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 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
I found fraudulent charges on my account. One that was returned and one the payment went through. They charged me {$4500.00} which was refunded and then the charge of XXXX went through. They are expecting me to make {$600.00} a month payments but I can not afford that nor did I make the charge. I had my information stolen and actually even my phone and accounts hacked into. I had to remove and change all of my information for checking, credit and my phone account. It has been a very hard process specially due to the hours or the bank, the hours of my job and being a single mom. PayPal refused to look more into the fraud investigation due to log in activity? And that is the information they are using to prove I am responsible. All of my years having PayPal I have NEVER made such a large purchase at one time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IN

Complaint narrative:
too whom it may concern, on XXXX I opened a checking account at BMO bank in XXXX XXXX Indiana at XXXX XXXX XXXX XXXX Indiana. i had saved up money and want to open a checking account to keep my funds save. i made XXXX deposits XXXX in the amount of XXXX and the other in the amount of XXXX both cash deposits. later that day I went to grocery store to buy food and diapers for my baby. when i went to checkout I realized my card wouldn't go through that's when i logged into my mobile banking and my account was frozen. before i left the bank that day i was told by the banker my account and card were good and funds were available. XXXX XXXX was the banker who set up my account. on XXXX i called to get the issue resolved and was told they needed more documentation so i got the documents they wanted and took them into the BMO branch. on XXXX i called to see if my account was active because i have bills due and was told it will be another XXXX days. at this point i feel like they did something wrong and this isnt fair to me i have bills that are goanna be late now.

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 2026-01-20 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: Block, Inc.
State: MI

Complaint narrative:
I lost the email and phone number to my old service. Im unable to collect anything but Ive verified plenty and I need access to my account. I have now been without access to my funds for 7 days. I want to know how do I access my account if I cant access my old number and email? I also dont have the card cause I always used wallet when purchasing. I want to know how else do I access my account from Cash App?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Struggling to pay your loan — 
Company: MARINER FINANCE, LLC
State: IL

Complaint narrative:
Mariner Finance, I offered a settlement agreement of $ XXXX on XX/XX/year>, they denied that. I asked for a payment arrangement on XX/XX/year> requesting {$200.00} a month for repayment as I just finished a yearlong divorce, have XXXX XXXX  to raise a mortgage and other financial obligations like unemployment over payment. This was denied, tried again on XX/XX/year> no resolution, this company refused to make a deal with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
To : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX From : XXXX XXXX Address : XXXXXXXX XXXX XXXX XXXX, XXXX, PA XXXX Date : XX/XX/2026 Confirmation # : XXXX I am writing to dispute the following information on my credit report : XXXX XXXX XXXX ( Acct : XXXX ) : This account is listed as XXXX days past due. I believe this status is incorrect and request a review of the payment history. 
* LVNV Funding LLC ( Acct : XXXX ) : This collection account is being disputed. Please provide verification of this debt. 
XXXX XXXXXXXX XXXX XXXX ( Acct : XXXX ) : This account is listed as a Charge Off. I am disputing the reported balance and status. 
Collections : I am also disputing the collections from XXXX XXXX XXXX ( {$110.00} ), XXXX XXXX XXXX ( {$950.00} ), and XXXX XXXX ( {$330.00} ). 
Please investigate these items and remove any information that can not be verified or is inaccurate. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Today ( XX/XX/year> ) at XXXX, XXXX and XXXX I received calls and voicemails from XXXXXXXX XXXX  on behalf of a XXXX  store credit card. Very agressive and threatening tone you leave me no other choice seems very unprofessional and alarming to talk to customers that way.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I am filing this complaint regarding JPMorgan Chase Bank , N.A . ( Chase ) for the improper closure of all my Chase credit card accounts and the forfeiture of my accumulated Ultimate Rewards points following a recent credit card application. 

After applying for a Chase XXXX XXXX credit card on XX/XX/XXXX, JPMorgan Chase Bank , N.A . ( Chase ) closed all of my existing Chase credit card accounts ( XXXX XXXX XXXXXXXX XXXX, XXXX XXXX ). In the email notice, Chase stated the reasons were : ( 1 ) Too many accounts opened recently and ( 2 ) Too many requests for credit or reviews of credit I dispute both reasons as factually inaccurate. According to my XXXX XXXX credit report ( attached ), I opened only XXXX ( XXXX ) credit card accounts within the past XXXX  months prior to the application. Even if the new application were included, the total would be three ( 3 ), which is well below Chases commonly referenced XX/XX/year> guideline. My credit report also shows only XXXX ( XXXX ) hard inquiries in the past XXXX  months, all initiated by Chase. XXXX of those inquiries were from a single XXXX XXXX application, and I was not informed or consented to XXXX hard pulls. XXXX inquiries over XXXX years does not reasonably constitute excessive credit requests. 

In addition to closing my accounts, Chase confiscated all of my accumulated Ultimate Rewards points, which were earned over several years through legitimate purchases. I was not given an opportunity to redeem these points for cash or transfer them to eligible partners. Chase has refused to reinstate or compensate me for these rewards, resulting in direct financial loss. Total UR points confiscated are XXXX XXXX ( XXXX XXXX for XXXXXXXX XXXX and XXXX for XXXX XXXX ) I attempted to resolve this issue multiple times by phone and in person at a Chase branch, but my appeals were denied without a meaningful explanation addressing the inaccuracies in the adverse action notice or any resolution regarding my forfeited rewards

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Selene Holdings LLC
State: MA

Complaint narrative:
I had XXXX XXXX XXXX  for my mortgage and in XX/XX/XXXX, I applied for a loan modification which my wife and I were approved ( have all the paperwork ). Our first payment for our trial period is XX/XX/XXXX. I was having a problem paying my first payment online only to have shellpont notify me that my loan was sold to Selene XXXX XXXXXXXX. I was a little upset due to the severity of making my first payment during the trial period and I never even recieved a welcome letter from Selene explaining the loan was sold and that they would be the new servicer. On XXXX XXXX, I began making calls to Selen to establish a relationship and to get my online portal set up for online billing because I need to make this first payment. No one called me back for about a week, I decided that I needed to pay this today ( XX/XX/XXXX ) and took the day off from work to be able to take care of the matter. I sent XXXX emails over the course of the day around XXXX : XXXX and XXXX. I set up my portal and all the information is not current with nothing staing the loan modification and the scheduled payment. My portal will also not allow me to make any payments and states to call the number ( XXXX ) XXXX which I called from XXXX until XXXX and set scheduled call backs every XXXX minutes from XXXX - XXXX with not XXXX scheduled call back returned. I can not make any payments online and can not reach anyone to speak with or have return any of my call or emails. Ive never experienced this much trouble to give a company money. It honestly feels like Selene XXXX is Ignoring me on purpose so Im unable to make my first trial period payment on my loan modification and then have them forcolse on my house for non payment when Ive been trying to pay them all month. Its unethical that I have to chase my mortgage servicer and be completly ignored for XXXX weeks, I have not and will not send in a payment through the mail because at this point it feels like a scam. I took the whole day off from work and havent slept over the last XXXX weeks waiting to hear from someone. Im now thinking about seeking legal help because this is rediculous and I refuse to loose my house because the morgage servicer is unable to be reached, will not take a payment on portal nor get in touch with me on any level. I really miss XXXX XXXX!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I make {$130000.00} per year. My husband makes {$80000.00} per year. I have a longer credit history than my husband. My credit score is higher. I utilize my credit card more often and spend more. We have the same credit card and we received this credit card around the same time. I recently received notice that my credit limit was going to be decreased, which would have been fine should my husband have received the same notice. My credit limit was decreased to around {$5000.00}. My husbands credit limit has remained the same at {$14000.00} despite all of the above. Previously, years ago, my credit limit increase request was denied with this company while my husbands was approved. I complained in their portal and my limit was increased. This is discrimination based on gender. I am a female and my husband is a male.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I was contacted on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX by the debt XXXX XXXX XXXX with XXXX XXXX, XXXX XXXX with XXXX XXXX and XXXX XXXX. This person would not even give me the name or address of their company. But all are supposedly seeking payment for a Citifinancial debt of {$2600.00}. All debt collectors have left vm and I have returned their calls and recorded their calls. They have disconnected when I am attempting to XXXX their exact contact information. They have all threatened to sue and garnish my wages. This has been going on for the past 2 years with this so-called CitiFinancial debt that is over XXXX XXXX XXXX. Please have all companies cease and desist and harrassing phone calls for a debt that has reached its statute of limitations.

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 2026-01-20 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: IL

Complaint narrative:
I RECEIVED ADVERTISEMENT ON A GOOD DEAL. I WOULD GET MERCHANDISE FOR {$.00} AFTER SPINNING A WHEEL. AFTER CHOOSING THE ITEMS, I SAW I OWED CLOSE TO {$100.00}. I DECLINED AND SENT MESSAGE NOT TO SEND ANYTHING AND NOT TO CHARGE ME. THEY SENT NOTHING BUT DID CHARGE ME THREE DIFFERENT TIMES. I SENT PHOTO COPY TO THE BANK. THEY PAID THEM ANYWAY ALMOST {$300.00} AND I NEVER RECEIVED ANY MERCHANDISE. THEY ALSO CHARGED MY CARD ON FILE FROM PURCHASE LONG TIME AGO. THEY FABRICATED XXXX DIFFERENT ORDERS ON MY CARD. I SENT PROOF I TOLD THEM TO DELETE ORDER AND NOT CHARGE ME. THE BANK SAID THEY WOULD REPLACE MY MONEY, DID NOT, AND CLOSED CASE. I GOT SHUT OFF NOTICES BECAUSE OF THESE TRANSATION AND HAVE XXXX  GRANDCHILDREN LIVING WITH ME. THIS IS SECOND TIME THIS BANK HAS DEFRAUDED ME. I AM XXXX XXXX XXXX AND IS TREATED LIKE I AM NOTHING.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
I financed a vehicle through Consumer Portfolio Services , Inc. ( CPS ). The selling dealer previously documented active water intrusion during a repair visit. Despite this, the defect persisted.

I obtained an independent diagnostic from a certified repair facility, which identified the ongoing leak source ( sunroof drain system ) and provided a written estimate exceeding {$3300.00}, confirming the prior dealer repair was incomplete and the defect remained unresolved. 

I submitted the diagnostic and estimate to CPS Dealer Compliance

. CPS acknowledged receipt, stated they were unable to contact the selling dealership despite multiple attempts, and confirmed the matter was under active review.

While the dispute and investigation were ongoing, CPS continued billing and collection activity, including delinquency notices.

CPS Dealer Compliance ultimately refused to pursue the dealership or offer assistance, despite acknowledging the evidence and dealer non-responsiveness. As the holder of the retail installment contract, CPS is subject to claims and defenses arising from dealer misconduct under the FTC Holder Rule.

I am requesting CFPB assistance to ensure CPS properly handles this dispute, coordinates collections during a documented investigation, provides a clear written explanation for its refusal despite evidence, and corrects any improper credit reporting during the dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-20 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 XXXX XXXX Bank : Bank of America Other Bank Involved : XXXX XXXX Type of Issue : Account closure / Check deposit / Access to funds On XX/XX/XXXX, I withdrew a check ( {$3400.00} ) from my account at XXXX XXXX. I opened a new account at Bank of America on XX/XX/XXXX, which was approved on XX/XX/XXXX. I deposited the official/managers check into my Bank of America account XXXX XX/XX/XXXX. 

Initially, the deposited check appeared in my account but was placed on hold. Over the next few days, my account became locked, and I was unable to access it. I never received any notification explaining why my account was locked or closed. 

On XX/XX/XXXX, I visited a Bank of America branch to inquire about my account and the status of my deposit. Only then was I informed that my account was being closed because the check from XXXX XXXX was considered a bad check. At that time, branch employees had to call the corporate office to provide me with an explanation. I requested written documentation explaining why my account was being closed and why the check was considered bad. I received only a letter stating that my account was closed, without any explanation or copy of the deposited check. 

I contacted XXXX XXXX, which confirmed that the check was valid and provided a copy for my records. 

On XX/XX/XXXX, I returned to Bank of America to speak with a branch XXXX, bringing all supporting documentation. The branch again had to call the corporate office. I was told that my funds would not be returned until the investigation was complete, but I was not provided a case number, nor were any details about the alleged issue with the check shared. Bank employees, who were empathetic, confirmed that the check was a standard official/managers check and could not identify any reason for the account closure or for the check being considered fraudulent. 

Despite providing evidence from XXXX XXXX confirming that the check was cleared, Bank of America has not provided any explanation, resolution, or access to my funds. This money is part of my savings, which I rely on to pay bills and support myself, as I only work part-time. The ongoing delay is causing financial hardship, emotional distress, and significant disruption to my daily life. 

I am requesting that the Consumer Financial Protection Bureau investigate this matter, ensure that Bank of America provides a clear explanation for the account closure and check status, and return access to my funds 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 monetary relief
Consumer complaint received 2026-01-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
XXXXXXXX XXXX  XXXX was my cellular service provider for over XXXX years. When I initiated the contract, the first month payment was charged double. I paid over {$180.00} for my first month of service. When I complained, it was explained to me that I was actually paying for the first month of service as well as the last month. However, when I cancel service, XXXX XXXX XXXX conveniently states that they have no record of this event. I have records to support my allegation, and I am fully prepared to fight this in a court.

Company response to consumer: Closed with non-monetary relief