vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 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: OR

Complaint narrative:
Mohela auto debited a payment on XX/XX/year> for {$530.00}. In XXXX I called and requested a reimbursement, they said yes and it would take up to XXXX days. 

When I called in XXXX and requested a full account activity summary to be mailed to me ( they do not have this accessible online, the print version they offer does not have my name or account number ), they told me that my request for reimbursement wasnt done incorrectly so they were going to try again. I still havent received reimbursement. I still havent received the account summary that I need. They did however send me a completed Appendix M but did it incorrectly as well and claimed I made {$17000.00} in payments when I only make {$13000.00} in payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Do you know or have any idea how distressing it is when youre working your way off honestly, then you look at your credit report erroneous information everywhere that has negatively impacted both my credit score and my life, it is my literal lifeline during emergencies, and every paycheck is an emergency.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
Contacted FORTIVA regarding the amount due after making payment. They raised my payment amount from {$44.00} to over {$80.00} a month due to a payment made 2 days after the due date. I contacted their customer service to which I was asked why is your payment late? I live in Florida, not one time did I ask for assistance due to Hurricanes Helene or Milton. My payment was only 2 days late. I was told I had to pay almost {$130.00} to bring my account current. I called and was told your payment will go down based on your balance due How can my payment of {$40.00} a month for over a year go to almost {$90.00} in less than a month on a balance less than {$400.00}. This is wrong. I was told it will go down after each payment. I believe they are in direct violation of the Fair Debt Collection Act. Im looking to hire an attorney. I am needing your advice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I'm stressed about my collection account because it feels like it's weighing on my financial stability and causing a lot of anxiety. Ive been trying to get back on track with my finances, but the constant reminders and pressure from the collection agency make it hard to focus on finding a solution. I feel like I'm being judged or that my progress is being hindered every time I get another notice or call. Its just a lot to manage along with everything else Im dealing with right 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 explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Management Holdings, LLC
State: NE

Complaint narrative:
I am not a relible for this deuts by XXXX XXXX CO. 
I do not have a contract with XXXX XXXX CO. 
They did not provie me original contract that I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have moved from XXXXXXXX XXXX to a new address in XXXX. Although I have sent number of address changes, Commerce Bank have not updated in their systems, and they were not able to reach me. When I finally went into the branch ( It is now XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) in 2015, I had a remainder of {$930.00}. At this branch, no one could explained to me why the bank had closed my account without my consent. I had been to the exact same location and had utilize the account. They said that my money was handed over to the Consumer Financial Protection Bureau and that I need to chase after. I filed a complaint, but I still have not heard from the. All I have currently is the old statements addressed at my old home, and a checking number at Commerce Bank. Checking # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV funding llc has violated Fair Debt Collection Practices Act in its duty to report accurate information to the credit bureau. This company has unscrupulous in its handling of information reported to my consumer report by circumventing the statues of limitations and reaged a debt originally held by Credit One. They have illegally submitted false information about a debt to the credit bureaus way past the XXXX limitation in an attempt to cause financial hardships apon me deliberately and maliciously. After speaking with XXXX XXXX the supervisor of XXXX XXXX XXXX  cards on a recorded line and I also recored this conversation for proof of LVNV Fundings blantent disregard for the law or my rights that are under protection of these laws. XXXX XXXX stated the last day of payment was XX/XX/XXXX and the debt was sold to a third party collections on XX/XX/XXXX. That would make the account that LVNV is reporting and updating to my reports well over XXXX old. LVNV is reporting this account as accurate and opened XX/XX/XXXX which is in direct conflict with the truth and in violation of the Fair Credit Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: BARCLAYS BANK DELAWARE
State: MO

Complaint narrative:
XX/XX/XXXX - made prepaid XXXX car rental reservation for {$1100.00} ( XXXX ) XX/XX/XXXX - picked up rental car XX/XX/XXXX - dropped off rental car; was charged XXXX XXXX when vehicle was dropped off; paid full amount XX/XX/XXXX - called XXXX after reviewing the charges and not being able to reconcile with original rental amount ; also inquired about the cost of repairs. XXXX was not able to provide documentation supporting the difference between the prepaid amount and what was charged when the vehicle was turned in. Also was not able to provide actual repaid costs ( estimate was charged ). 
XX/XX/XXXX - opened dispute with Barclaycard for overcharge both on the rental and repair XXXX/XXXX/XXXX - Barclays requested additional documentation to support claim ; did not provide any electronic means so packet was sent by mail. 
XX/XX/XXXX - called Barclays to get status of dispute at which time they said it was closed because we did not have sufficient documentation ; at no time did Barclays get additional info from merchant ( either not request or not received ; did not attempt chargeback ) XX/XX/XXXX - receive notification in mail that Barclays was closing 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 2025-01-04 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: TX

Complaint narrative:
I am formally requesting the elimination of the inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion and support my claim of identity theft, PLEASE BLOCK AND REMOVE this account from my consumer report.

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 2025-01-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
Auto lender has reported that they have written off my car loan however they did not send me a 1099-C as required by law. Although I reinstated my loan it still reflects they wrote it off on their taxes. So either they need to remove that from my credit report or issue a 1099-c

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MD

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In the quiet humdrum, of everyday life, a sudden jolt shattered the tranquility. I had become a victim of identity theft. Like a thief in the night. Unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainly. With each fraudulent transaction and unauthorized accounts. The breach of trust cut deep. Leaving me grappling with the unsettling reality of a violation identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries these are the following accounts need to 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 non-monetary relief
Consumer complaint received 2025-01-04 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: MI

Complaint narrative:
I am absolutely shocked. I have NO idea where this lon came from, i didnt certify it, sign on it, or consent to it. I was on scholarship during the time that this loan claims it was taken out. I would have never taken it out. I begged for help regarding this and they never contacted me back. I was distraught. 

On XX/XX/22 I had no other choice to pay it, and decided to enroll in auto pay and to pay my loan payment in full for the month. I had a funeral to attend on the other side of the state, so i didnt bring my finances laptop with me. And, in my spam email, it tells me the after its due, that the payment was rejected and auto pay was declined. i contacted my bank, they said i had more than enough money in my account. We re-checked my banking info, and there was nothing wrong. Ive tried emailing and contacting them XXXX times, and still no response. They just keep rejecting my payment, telling me my bill is past due, and not letting me pay it. I tried again to pay it when i got back from the funeral, and it rejected it again XXXX days later! I genuinely dont understand how this is legal. I am extremely busy, with multiple deaths in my family and i dont have the time to sit around on the phone for XXXX hours to be pulled through hoops to jump through. they need to use written message so that i can have and track what they say, in the case that i get a lawyer to fight this loan that I ABSOLUTELY would have never agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: Solar Mosaic LLC
State: AZ

Complaint narrative:
I purchased a solar system that was financed through Mosaic. At the time of signing the contract, I was informed that I would receive a {$10000.00} credit from the government after filing my taxes. This credit was intended to be applied toward the loan balance, bringing the account within Mosaic 's " XXXX XXXX XXXX '' range. 

However, upon completing my taxes, I did not receive the anticipated credit, which prevented me from meeting the target balance. I have been making consistent payments on this account for approximately XXXX to XXXX years. Despite this, the loan balance remains unchanged at {$54000.00}, with an interest rate of 1.74 %. 

I would appreciate clarification on this matter and an explanation as to why the loan balance has not decreased despite my regular payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: Portfolio Recovery Associates, LLC
State: SC

Complaint narrative:
I try to explain to them XXXX times that someone opens this card under my name without my Authorization and I try to wave and they not listen

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
A credit card was applied for using my information that I didn't apply for with JPMCB

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 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: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately.

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was XXXX XXXX XXXX XXXX  and was only XXXX  within the last six months. It is impossible for me to have opened or managed these accounts during that time.

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation.

I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts.

Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report.

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights.

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me.

I trust you will take this situation seriously and act accordingly. 


XXXX XXXX Account number XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

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 2025-01-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the inaccurate and fraudulent information listed on my credit report. For far too long, I have been trying to resolve this matter, but my concerns have been ignored, leaving my financial reputation in jeopardy. This negligence is unacceptable and must be addressed immediately. 

The accounts in question were placed on my report as a result of fraudulent or misleading actions. I have never had any relationship with the company responsible for these accounts or the original creditor. Furthermore, I was XXXX XXXX XXXX XXXX and was only released within the last six months. It is impossible for me to have opened or managed these accounts during that time.

These accounts are a clear violation of my rights under the Fair Credit Reporting Act ( FCRA ), which requires that credit bureaus ensure the accuracy and validity of the information they report. Your failure to investigate and resolve this matter in a timely manner constitutes a breach of this legal obligation.

I demand that you immediately : Conduct a thorough investigation into these fraudulent accounts.

Remove all false information related to these accounts from my credit report. Provide me with written confirmation of these actions, along with an updated copy of my credit report.

This matter requires your immediate attention. Should you fail to resolve this issue promptly, I will have no choice but to escalate this matter by filing formal complaints with the Consumer Financial Protection Bureau ( CFPB ) and other regulatory authorities, as well as pursuing legal action to protect my rights.

I expect a resolution within 30 days, as mandated by the FCRA. Please direct all correspondence regarding this matter to me.

I trust you will take this situation seriously and act accordingly. 


XXXX XXXX Account number XXXX A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party.

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 2025-01-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
In 2022, my identity was stolen, which led to unauthorized transactions on my Capital One credit cards. I promptly reported the identity theft to the XXXX XXXX XXXX  the credit card company, and filed a report on XXXX. Despite consistent communication with Capital One about the fraudulent charges, they did not reverse the transactions and subsequently sent my account to collections. The collection agency pursued legal action, bringing the matter to court. Fortunately, with my lawyer 's defense, XXXX requested for a non-suit judgment from the court, which was granted on XX/XX/XXXX. This judgment recognized the fraudulent nature of the debt and led to the dismissal of the case against me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I made an extra payment to my Citi credit card in the amount of {$7500.00}. On XX/XX/XXXX Citi lowered my credit limit {$7500.00}. On XX/XX/XXXX I became aware of the lowered limit when I tried to use the card. I called Citi and immediately cancelled my payment of {$7500.00}. I also called my bank and cancelled the payment of {$7500.00}. The payment had not yet reached my bank. XXXX citi has my minimum payment of {$7200.00} due XX/XX/XXXX. I did make a payment of {$800.00} on XX/XX/XXXX. I have requested Citi to reinstate my credit limit to the original amount with two different managers on two separate dates. They refuse to reinstate the amount and state my minimum payment is due. The original amount of {$7500.00} was an extra payment and no payment was due on XX/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 explanation