vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage loan is being managed by SPS, Select Portfolio Servicing XXXX XXXX Due to severe injury, I was not able to work for over 6 months and I fell behind on my mortgage payments. As soon as I returned back to work, I contacted SPS expressing my desire to keep my house and to get current with my payments with SPS, but need some kind of assistance, whatever they would qualify me for. And I submitted a Request for Mortgage Assistance ( XXXX ) Request form, per their instructions. I was assigned XXXX XXXX. 
Later on, I received a letter dated XX/XX/year> from SPS, XXXX that I qualified for and that I am being offered SPS Trial Modification - of XXXX fixed monthly payments starting XXXX, XX/XX/XXXXthrough XX/XX/year>. And the Permanent Modification of my Mortgage Terms by SPS, will be done after I make my required payments under this offered Plan and fulfill the terms of the plan. 
Since it was very vague what type of permanent Modification is going to be offered, Specifically, what exactly is involved in the permanent modification of my mortgage terms? 
Does it mean, that my current mortgage interest rate, which is fixed 4 %, may change? I will be very surprised, since it is going to be a modification, and not a refinancing. 
Obviously I would like to go on with the other parts of my loan to be modified, to satisfy both SPS and myself, but no interest rate changes. 

And to get answers to my questions, I contacted my assigned Relationship XXXX, XXXX XXXX, multiple times via phone and emails, since XX/XX/year>. 
But none of my calls were returned back and I didnt get any response to my emails. NONE! 

Since my first payment according to the SPS XXXX XXXX is approaching very soon, in 7 days on XX/XX/year>, I need to get answers to my questions ASAP, since by making my first payment, per their letter, I am agreeing to their offered Trial Modification Plan, followed by a Permanent Modification in 3 months. And I need to be contacted and my questions answered, to be able to make an informed decision. 

My attorney suggested to contact you ASAP, to possibly get some help. I understand that I am asking for help on a very short notice, but please assist me, if possible at all, by XX/XX/year>. 

Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Manhattan Beach Venture, LLC
State: MI

Complaint narrative:
To Whom It XXXX Concern, I am writing to formally lodge a complaint concerning the mismanagement of my federal student loans, which has resulted in significant financial and personal distress. 

Details of the Issue : XXXX XXXX XXXX  My student loan account has been transferred between multiple servicers over the past few years without my consent or clear communication. I have received no official notification of these changes, and my payments have been misapplied or reported late. 
Credit Reporting Errors : Despite my efforts to remain current, my credit report now shows delinquent payments, which were never communicated to me. My credit score has dropped significantly as a result, despite no fault of my own.

Communication Failures : I have attempted to contact the loan servicers and the Department of Education for clarification, but I have either received no response or generic replies that do not address my specific concerns. 

Impact : These issues have severely impacted my financial stability, lowering my credit score, increasing my stress levels, and jeopardizing my ability to qualify for other forms of credit, including the possibility of refinancing my vehicle loan or consolidating other debts.

Resolution Sought : I respectfully request : 1. A thorough investigation into the handling of my student loan account, including the reasons for servicer changes and failure to notify me. 
XXXX. Correction of any inaccuracies on my credit report resulting from servicer errors. 
XXXX. Implementation of measures to prevent similar mismanagement for myself and other borrowers. 


Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
XX/XX/XXXX, XXXX XXXX My name is XXXX XXXX I went to court and XXXX XXXX XXXX and LVNV Funding attempted to file a judgment against me for a debt they claim they own and I disputed it so that no judgment would be entered against me. I asked LVNV FUNDING and XXXX XXXX XXXX to provide me with a purchase agreement that has my name, account number, the amount t the debt was sold for, the date the debt was sold with the sellers and buyers names and addresses signed by both companies who were involved in the transaction and they did not provide me the purchase agreement. Instead they provided me with six bills of sale that dont have my name on them with no account number no amount no sellers and buyers addresses on them. This is NOT evidence that shows that they own the debt. I will sue them in state or federal court for using misleading and deceptive practices to try to file a judgment against me to try to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Account Name : DEPT OF EDUCATION/XXXX XXXX XXXXXXXX - Date Opened XX/XX/year> Account Name : US DEPT OF EDXXXX XXXX XXXX - Date Opened XX/XX/year>XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX XXXX XXXX was taken from my Coinbase wallet without my permission. This was not a result of social engineering ; I have never shared my password, email, seed phrase, wallet address, or any other personal information that would've allowed unauthorized access to my wallet. I believe this was directly connected to the Coinbase hack that compromised personal user information. 

I reached out to Coinbase by phone call when I noticed the missing asset so that I could receive assistance and reimbursement for the compromised account and lost funds. I noted the recent ransomware breach of the Coinbase platform as likely leaking the information hackers utilized to access my funds. The representative I spoke with was not very helpful and continued to try to absolve Coinbase of any responsibility, instead insinuating several times that I must have given my login information to bad actors and must just not realize it. 

They suggested that I reach out to the local authorities and report the issue, which I have done. I was encouraged by those authorities to submit this report to the CFPB so that I could have some help in working with Coinbase to recover or reimburse these lost funds, so I'm hoping this works!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
i recently happed to check my credit report and upon checking i see an account on my report that should not be there it is a fraudulent account and i never authorized or opened it, please remove from my credit report for it is stopping my from obtaining credit

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 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/year> I sent my grandma a a payment over XXXX XXXX for XXXX XXXX My mother just passed away and I was sending her that to finish paying off the headstone. As soon as I sent it she called me and said she doesnt have XXXX XXXX so I canceled the payment. It took the money out of my checking account instantly and said it should return in XXXX days. I checked my bank every single day and it never came back. When I called chase to ask about it they told me the transaction never happened they cant see it on their end. So I called XXXX and got all the proof where XXXX did receive the XXXX $ and sent it back to chase. I tried to send this proof to chase but they would not accept it. They kept telling me if I canceled it the same day its like it never happened which is why it doesnt show on chases side, but the money left my account and never came back so it did happen. The chase system is flawed

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — An existing modification, forbearance plan, short sale, or other loss mitigation relief
Company: Mr. Cooper Group Inc.
State: IL

Complaint narrative:
I am filing an addl complaint relative to the previous complaint ( XXXX ) which was closed as Mr. Cooper agreed to make sure the loan mod went through to completion. I have again made all of the additional trial payments on time, signed all of the " final documents '' and submitted in timely manner. This was all completed back in XXXX of XXXX and the loan mod was to take effect for XXXX. As of yesterday XXXX Mr. Cooper once again rejected my loan modification citing 3 different reasons for rejection : " We never received your application for Loan Modification '' " All parties ( XXXX XXXX XXXX XXXX did not sign the final Loan Modification Agreement '' " Your mortgage is current and does not qualify for a loan modification. '' This is beyond ridiculous as all 3 cited rejections are inaccurate excuses.

Mr. Cooper has once again collected thousands of dollars from me indicating that the monies would be deposited into escrow account and be utilized for paying the Homeowners Insurance and Real Estate Taxes ( both of which are now due ). All monies that they have collected over the past 8 months that were to be applied to the escrow have now been applied to the principal and interest of my mortgage, leaving me once again with {$0.00} to apply to the {$7200.00} tax bill or the {$1900.00} Homeowners insurance.

How is this fair? This is the 3rd time that Mr. Cooper has done this exact thing, putting me in a financial hardship relative to Real Estate tax liabilities, while attempting loan modification through them which started back in XX/XX/XXXX. 
This is absolutely unacceptable business practice on the part of Mr. Cooper and should not be allowed to continue. I am confident that if they are putting me in this situation there are other consumers also struggling with this same situation in dealing with Mr. Cooper. Please help. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt or credit management — Mortgage modification or foreclosure avoidance
Issue: Confusing or missing disclosures — 
Company: US MORTGAGE CORPORATION
State: VA

Complaint narrative:
XXXX XXXX XXXX - recieved two strange calls claiming to be from "US Mortgage", when I asked them for their address, they hung up.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
My XXXX. son was accidentally hit in the XXXX  approximately XXXX  years ago, while at my grandmother 's house visiting. The ambulance were called. But when they showed up, he did not need medical attention. So they left without taking him. Then, several months later, we received a bill for over {$1500.00} for an ambulance that we never took .. Now, this medical debt is on my credit in collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXXXX/XX/XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at DEPT OF EDUCATIONXXXXXX/XX/XXXX on XX/XX/XXXX with a balance of {$2300.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
b'I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH . PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: WI

Complaint narrative:
I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for the violations

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Halsted Financial Services, LLC.
State: NC

Complaint narrative:
account is payed in full please delete from all credit reports i have payed this account in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER XXXX XXXX XXXX XXXX STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND TRAFFICKING. 

Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX  # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX XXXX Opened XX/XX/XXXX Account Name : XXXX XXXXXXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Date XXXX XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account XXXX XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX  # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation