vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
I submitted an application for an Income-Based Repayment ( IBR ) plan through StudentAid.gov on XX/XX/year>. As of XX/XX/year>, the application has remained In Review for nearly five months with no resolution. 

MOHELA has confirmed receipt of the application but has failed to process it within a reasonable timeframe. Despite multiple attempts to obtain an update, I have not received a clear explanation, timeline, or confirmation that the application is being actively reviewed. 

During this delay, interest has resumed accruing on my loans, and I am incurring real financial harm as a direct result of MOHELAs failure to timely process my application. 

MOHELA has allowed my IBR application to remain pending for approximately 150 days without resolution. I have not been informed that documentation is missing, nor have I been given a meaningful update or projected completion date. 

As a result of this delay : 1. Interest has continued to accrue that would not have accrued had the application been processed in a timely manner. 
2. I face the risk of being billed under an incorrect repayment plan 3. I have been forced to devote significant time and effort to repeated follow-ups.

Company response to consumer: Untimely response
Consumer complaint received 2025-12-30 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: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
XX/XX/year> attempted to purchase a air purifier on XXXX, received a fabric shelfdisputed with XXXX who sent a replacement with correct item, then they charged for 2nd itemdisputed with the credit card for getting charged for an item not receivedCreditor will not reverse charges. Chase did not fully investigate and decided charges to stand.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

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 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Texas Guaranteed
State: FL

Complaint narrative:
upon checking my credit report I have noticed accounts I did not authorize. this account is one of them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
A few months before XXXX XXXX  sold my Mortgage to Shellpoint, my monthly payment was {$120000.00} and was changed from {$120000.00} to {$1400.00} without any notice and or explanation. 
My mortgage was sold to SHELLPOINT MORTGAGE SERVICING in XXXX and according to a letter I received from XXXX XXXX, the previous mortgage company, I had to start paying my mortgage to Shellpoint XX/XX/XXXX. On the first of XXXX, I called Shellpoint to pay my mortgage, they told me to wait for them to create an account number for my mortgage before I can Pay. After three days, I called again, they told me to wait. I waited a few more days and I called again and told them, whether you are ready or not, let me create an auto debit account so you may take the mortgage payment on the third of every month after this first payment. They received the first payment on the XXXX of XX/XX/XXXX XXXX # XXXX ; Amount : {$1400.00} : Confirmation : XXXX and continued to debit my bank account on the third of every month. Surprisingly, last week I received four or five letters. The first letter stated that, my payment for XX/XX/XXXX is {$4200.00} because I am two month past due and this payment is required to be paid in full to prevent foreclosure. I called them and said that my payments are always deducted on time and never been late, then I said that I have the proof. Now, the lady put me on hold, came in 10 to 15 minutes to ask for more time to investigate and she will call me back. She never call back so I decided to call back the next day. Another lady answered and told me, yes your account is past due, I told her this is not accurate, I have all my bank statements to prove that shellpoint always take the money from my account on the third of every month. She said okay, give a few minutes to investigate this matter. She came back and told me she sees that my payments are always received on time but they realized that I was not paying enough the past months, she is going to investigate a little bit more and call me back. Again, no one call back, while they do not call back, they sent a bunch of emails, asking me to fill up a survey ( How likely is it that I will recommend to other people ) I call again, the same, yes sir you mortgage payment is past due but when I said that I have proof that my payments are always on time, again give me some time to investigate, again, please give me more time and I will call you, nobody called back then I decided to make a last call, I found a Man, he was very kind and took his time to listen however, I realized he was scared of something though he gave all the same answered I had received before. Now all I want is an apology and the right to pay my home Insurance and taxes myself. Thank you

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 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Sezzle Inc.
State: VA

Complaint narrative:
I have submitted multiple complaints about Sezzles handling of my account, but the company still has not provided a single meaningful resolution. I am enrolled in my states Address Confidentiality Program ( ACP ), which means I am legally required to use my ACP mailing address ( a XXXX XXXX  ) for billing and correspondence. Sezzles system refuses to accept this lawful ACP address for my debit card, which has blocked me from making payments electronically even when I had funds available. 

Because of this, Sezzle began adding failedpayment and late fees on top of the original balance. I now owe {$75.00} in principal, but Sezzle is demanding {$110.00} with the difference being only their late/failedpayment fees. I have repeatedly contacted Sezzle and raised these issues through prior complaints, explained my ACP status, and requested help to pay by an alternative method such as money order, but I was never given a mailing address or any ACPcompliant payment option. 

I have also experienced a financial hardship due to losing my job and can not afford the inflated {$110.00} balance. I can afford to pay the {$75.00} principal, but I can not pay the additional fees that were generated while I was blocked from paying and struggling with job loss. I am asking CFPB to treat this as a hardship situation and to press Sezzle to waive the late/failedpayment fees, provide a way to pay safely under ACP, and accept {$75.00} as full satisfaction of the account with no negative credit reporting or collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I discovered fraudulent accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I installed Capital One Shopping on XX/XX/year> using a published {$45.00} welcome bonus promotion. The promotion stated that new users who installed the browser extension through the promotional link, kept the extension installed and enabled for at least five days, and complied with cookie and tracking requirements would receive a {$45.00} rewards bonus. 

I met all stated requirements. The extension has remained installed and enabled continuously since installation, and my account has actively tracked eligible shopping activity. Despite this, as of XX/XX/year>, the {$45.00} welcome bonus has not posted to my account. 

I contacted Capital One Shopping using the contact email address published in their Global Privacy Policy ( XXXX ). I received an automated response stating that the inbox is no longer monitored and directing me to submit a web form instead. This directly contradicts their published privacy policy, which states that this email address is the official channel for questions, concerns, complaints, and privacy-related requests. 

I then submitted a support request through their web form requesting confirmation of eligibility and manual application of the missing bonus. No resolution has been provided. 

This complaint concerns failure to disburse promotional funds after all requirements were satisfied and the publication of a nonfunctional contact channel in an official privacy policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On the Chase App once you sign in at the bottom it will say benefits, once you click on benefits it will ask you which card if you have more than one credit card, once you click on the credit card it will show you the benefits for that card. 

Now for my Chase Sapphire Reserve Card it list the benefits you receive and XXXX of the benefits of this particular card is a {$300.00} annual Dining Credit which expires XXXX XXXX Which is exactly what it says on the App and online on the internet website Also, it says the Dining Credit can only be used at the restaurants that are approved as Chase choices of restaurants which is listed with the XXXX XXXX XXXX XXXX I Called to talk to Chase customer service XXXX XXXX @ XXXX the automated system said that I had a 5 minute wait I let the customer service representative XXXX know that I was calling because I saw that not all of the {$300.00} Dining Credit had been applied XXXX told me that its {$150.00} every 6 months totaling {$300.00} I told him but thats not what it says on the website and on the App it says {$300.00}, had I known that it was {$150.00} every 6 months then I would not have spent over {$150.00} The App and website all say {$300.00} annually it doesnt say it is split into {$150.00} per 6 months Chase Sapphire Reserve As posted and advertised will lead you to believe that you have {$300.00} available annually which made me believe that I can use {$300.00} all at once in a one year period Instead of stating up front that its split into two {$150.00} increments

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Credit Control, LLC
State: MI

Complaint narrative:
I am writing to formally demand that Credit Control LLC stops with the harassment and/or abuse. They are continuing collection after dispute.

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 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Netspend Corporation
State: LA

Complaint narrative:
Violation of Regulation E - Failure to Issue Provisional Credit ( Claim # XXXX ) On XX/XX/XXXX, I reported unauthorized transactions totaling {$420.00} on my account ( Claim # XXXX ). 
Under the Electronic Fund Transfer Act ( Regulation E ), the financial institution is required to investigate and resolve the error within 10 business days. If they can not complete the investigation in that time, they must issue a provisional credit to the consumer while the investigation continues. 
The Timeline : Claim Filed : XX/XX/XXXX 10th Business Day Deadline : XX/XX/XXXX Current Date : XX/XX/XXXX The bank has failed to complete the investigation and has failed to issue the required provisional credit by the 10th business day. 
I have contacted customer service multiple times. They are attempting to delay payment by incorrectly classifying my established account as a " New Account '' to extend the deadline to 20 business days ( XX/XX/XXXX ). My account has been open longer than 30 days ; therefore, they are not entitled to this extension. 
Resolution Requested : I am requesting the immediate release of the {$420.00} provisional credit to my account as required by federal law, and for the bank to cease delay tactics.

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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Chime Financial Inc
State: NY

Complaint narrative:
I am very dissatisfied with Chime. My account was closed XX/XX/year>, without my permission., leaving a balance of approx. {$2100.00}. 
I have contacted Chime several times and get conflicting messages. 
Today, I was hung up on. 
This is not acceptable. I need that money returned to me. I can contact media or authorities. I was never given a reason why my Policy was closed. Now all I want is my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: PA

Complaint narrative:
My mortgage company sold my mortgage to Mr. COOPER mortgage XXXX years ago near the end of my 30 year mortgage. The last 3 months of my mortgage my paid mortgage payments weren't being applied to my mortgage and were being placed in an unapplied funds account, making it seem that I was either missing or only paying XXXX of my monthly mortgage. Mr cooper stated that I requested a payoff which I didn't. So then I got a notice from Mr Cooper that my loan was in default as of XX/XX/year> because of missing mortgage payments and fees. My home owners insurance was due in XX/XX/year> and Mr cooper didn't pay the insurance. The loan maturity date was XX/XX/year>. When speaking with Mr cooper '' XXXX insurance office they stated that they couldn't contact my insurance company because they had Mr Cooper 's number blocked and they couldn't get the declaration paper for my home owner insurance. I emailed Mr. COOPER the declaration statement and they still didn't pay the insurance premium, so my home owners insurance was canceled. The was money in my escrow account but they didn't send it to the insurance company. I was desperate to put and end to my dealings with Mr. Cooper and not lose my house in the process after 30 years, so I pushed to use my escrow to pay off the owed amount to Mr cooper which was over XXXX dollars. This was the worst experience ever and I'm a XXXX XXXX XXXX XXXX  on a fixed income which made it hard to come up with a lump sum of money. Mr Cooper sent me foreclosure paperwork and short sale papers. So now I have payed off my house but I don't have home owners insurance. Oh I bought my house 30 years ago with my decreased husband and we never refinanced and have the same home owners insurance for 30 years. This company Mr. Cooper has changed its name after at least XXXX large lawsuits for these same reasons, foreclosures on people 's properties fraudulently and not paying home owner insurances, and real estate taxes properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
I had a fraud charge for a XXXX pharmacy that stole my card information and made a claim. Talked to costumer support and was told they would deal with it and my account would be okay to use the funds in the meantime. Randomly my account was locked and closed. I called to get information was on hold and transferred in total 4 days of XXXX hours trying to get information. Then i requested and went into a XXXX to get my money out of savings while the claims were dealt with out of my checking account. The supervisor was just as confused and got on the phone and still was unable to get any information why i can not access any of my money. Chase fraud department, costumer support department, claims department, and branch could all not give me a reason or time line when id be able to access my only funds i have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN

Complaint narrative:
I transferred {$5000.00} to Capital One to open a checking account. 
I'm not sure about the date but I think it XXXXXXXX XXXX 
Capital One showed they had opened a checking account in my name. 
It showed the {$5000.00} in a assigned account, but said the funds were not available at this time. I have called many times spending hours trying to get this problem corrected to no avail. The transfer was from XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/year> I was scammed for {$10000.00} by a Wells Fargo impersonator using a Wells Fargo phone number to XXXX  and call me on and they also have or had a Wells Fargo fraudulent account where I deposited my money through a Wells Fargo atm thinking it was going into my Wells Fargo account but it went into this scammers Wells Fargo account and Wells Fargo has denied my claim XXXX they say XXXX the one who withdrew the money which is true but I wasnt disputing withdrawing the money I am trying to dispute the fact that I put my money into a Wells Fargo atm into a fraud Wells Fargo account and they wont take any accountability for this I did a police report and the detective requested the bank records for both accounts and Wells Fargo still has not sent any records but they have sent my denial letter any help with this matter would be greatly appreciated thanks

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 2025-12-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Deposits or withdrawals
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Last XXXX, I opened a CD account with MARCUS by Goldman Sachs and the company took my fund from my XXXX account right away on the opening day. After several days, I tried to access my CD account, only finding it is locked. I called XXXX to ask what is going on. After asking me my name and date of birth along with ss # and password, they then asked some questions about things like my previous vehicle and address very long time ago ( over XXXX years ago ) for some of which I don't quite remember. They said my answer was not enough to unlock my account. This kind of absurd questioning was repeated everytime I called XXXX to unlock my CD account ( Who could remember the plate number of the car over XXXX years ago? ). Finally they asked me to send the affidavit of identity with notarization to confirm my identity and unlock my account. So I completed affidavit of identity with notarization and sent it about XXXX months ago. Today I called XXXX to check whether they received it. However they never answered my question and repeated same old absurd questioning about long time ago. This kind of behavior by XXXX should not be tolerated. If they really think the account holder should know things like the plate number and addresses of even very long time ago, they should have asked these kinds of questions before opening an account. I think this is a clear violation of consumer right by big company. Please help me get my money back. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX - XXXX, several withdrawals were made from my checking account using an ATM to withdraw cash. I only found out about these transactions the day after when I woke up and saw my bank account. The bank says there no sign of fraud event hough you can clearly see the perpetrators were withdrawing money in {$100.00} intervals over several hours.

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 2025-12-30 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: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
I ordered a custom XXXX controller from XXXX XXXX XXXX and authorized the charge on my Apple Card. 
The merchant charged me but never delivered the product. 
I never received shipping confirmation, tracking, or the item itself. 
I contacted the merchant multiple times by email and received no response. 

Despite disputing this charge, Goldman Sachs continues to hold me responsible even though no proof of delivery exists. 
I am requesting permanent removal of the charge unless proof of delivery can be produced.

Company response to consumer: Closed with explanation