vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: LoanCare, LLC
State: GA

Complaint narrative:
Originally, my mortgage loan was transferred from XXXX XXXX to LoanCare LLC. Since acquiring my loan, LoanCare

LLC has failed to properly manage my insurance and tax payments and has demonstrated consistently poor customer service while I have attempted to resolve these issues. Due to these ongoing problems, I formally requested the removal of my escrow account so that I could pay my insurance and property taxes directly. I have not missed a mortgage payment in over 15 years and have demonstrated a strong and reliable payment history. However, LoanCare LLC advised that they would not release the escrow account because my loan-to-value ( LTV ) ratio is allegedly not below 80 % ( 85 % according to them ).

At the time LoanCare LLC acquired my loan, they received a property valuation of {$350000.00}. My home was worth at least {$400000.00} at that time and remains valued at or above that amount today. My current loan balance is approximately {$290000.00}, which would place my LTV well below the stated requirement. To address this discrepancy, I requested a reconsideration of value to formally establish the correct market value of my home.

Additionally, I have already paid my homeowners insurance in full. Despite this, LoanCare LLC refuses to remove my loan from escrow. I believe this refusal is motivated by the loss of escrow-related fees or the presence of accounting errors or back tax payments that are not properly reflected on my account.

Currently, I am paying {$1700.00} per month, which fully covers my principal and interest. Following an escrow analysis, LoanCare LLC is demanding a payment of {$2200.00} per month and has advised that failure to pay this amount will result in missed payments being reported to the credit bureaus. I should not be threatened with credit damage due to LoanCare LLCs inability to properly manage my account or respond in a timely manner.

I have contacted LoanCare LLC at least twice per week regarding this issue since XX/XX/year>. During this time, I have received only one return call from a manager. The lack of responsiveness and accountability has been extremely concerning.

I am respectfully requesting assistance in escalating this matter so that it receives appropriate attention. As a veteran, I am seeking fair treatment, accurate accounting, and reasonable communication. LoanCare LLCs handling of my loan has been unacceptable, particularly with regard to customer service and escrow management. 

Thank you for your time and consideration. 

Sincerely,

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 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Finance Direct LLC.
State: FL

Complaint narrative:
XXXX has shut down and left your treatment incomplete. Started communication with XXXX on XX/XX/XXXX and stopped communications on XX/XX/XXXX Explain that they have not fulfilled their contractual obligations, yet their financing partners ( HFD ) are still demanding payment. 

Smile Direct club breached their contractual agreements. HFD refusal to provide information on who owns your debt. 

And now its reporting to my credit report. Ive asked the collector - TEK-collect inc to provide me proper validation of the debt. They won't provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OK

Complaint narrative:
I am filing this complaint against Jefferson Capital Systems , LLC for reporting inaccurate, duplicate, and unverified information on my credit report in violation of the FCRA and FDCPA. 
Jefferson Capital is double-reporting a single alleged balance under two different names : XXXX XXXX and XXXX. I do not recognize these accounts, I have no record of any such agreements, and I have never entered into a contract with Jefferson Capital Systems. 
These accounts appear to be approximately 4 years old. I am disputing these in their entirety as I have no knowledge of their origin. Despite my lack of relationship with this company, they are reporting themselves as the 'Original Creditor, ' which is a false and misleading representation of the debt 's character.

I sent a formal dispute that was received by the company on XX/XX/year>. They have failed to provide any validation of the debt and have failed to mark the accounts as 'Disputed ' on my credit reports. 
I am requesting that Jefferson Capital immediately cease all communication and delete these unverified, duplicate entries from my credit file entirely.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: CA

Complaint narrative:
I am writing to formally lodge a complaint regarding a toll violation associated with a vehicle I sold on XX/XX/year>. The violation occurred on XX/XX/year>, after the new owners of the vehicle used the toll lanes. 

Despite my repeated efforts to resolve this issue, including submitting the necessary documentation, I have not received a satisfactory resolution. Specifically, I have provided the following to the XXXX XXXXXXXX XXXX : The new owner 's contact information. 

A copy of thXXXX XXXX Notice of Transfer and Release of Liability ( NRL ), which confirms that I transferred ownership of the vehicle. 

The NRL receipt as proof of the filing with the XXXX. 

Unfortunately, I no longer have the original Bill of Sale for the vehicle, but I have made several attempts to communicate and resolve the matter without success. I am frustrated that, despite fulfilling all the requirements and providing the necessary documents, the toll company continues to hold me responsible for the violation. 

I am requesting a final review of this case and a prompt resolution, as I have met all obligations in transferring the vehicle. If necessary, I am prepared to escalate this complaint further through regulatory channels.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: NC

Complaint narrative:
Between XXXX XXXX and XX/XX/year> my XXXX account was sold to Jefferson Captial llc for XXXX. Never informing me about the actions. The only way I found out is alert on my credit report. I tried to resolves this month 's ago and XXXX informed me they didnt have my account anymore XXXX had it. They also but it was non medical collection on credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-03 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Javitch, Block & Rathbone LLC
State: TX

Complaint narrative:
I have been trying to reach out to Javitch Block LLC several times calling different numbers that I found online and none of them answer or are working. I was able to find a letter from them and called the phone number that was in those documents and left XXXX voicemails on XXXX XXXX and also sent an email on the same day and I still havent heard from them.

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 2026-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with forgiveness, cancellation, or discharge
Company: MOHELA
State: WI

Complaint narrative:
I was formally notified that I was awarded federal student loan debt relief. Based on this determination, I reasonably relied on the governments representation that my loan balance would be forgiven or substantially reduced. I planned my family finances accordingly, including expanding my family in XXXX and making long-term financial investments in my home. 

Beginning in approximately XXXX and continuing through the debt relief notification and afterward, my loan servicer, MOHELA, repeatedly provided inconsistent, confusing, and inaccurate information regarding my loan status, eligibility, and relief. I filed multiple complaints with MOHELA seeking clarification and documentation, but MOHELA failed to provide clear answers, failed to resolve the issues, and failed to maintain accessible records of my complaints. When I requested copies or records of my complaints, I was told the matter had been transferred to the Department of Education, with no documentation provided to me. 

After being told that I would receive debt relief and planning my finances accordingly, I was later informedyears laterthat I now owe approximately {$37000.00}. This reversal occurred without a clear explanation, without due process, and without reconciliation of the prior forgiveness determination. I was previously informed that I would receive approximately {$30000.00} in relief and that my remaining balance would be approximately {$7000.00}. 

Additionally, I completed XXXX service in XXXX and received communications from the Department of Education indicating I was eligible for Public Service Loan Forgiveness ( PSLF ) related relief. Despite this, I have not received the relief I was told I qualified for, nor has MOHELA provided a clear accounting or determination. 

I am currently placed in deferment, but interest continues to accrue at a rate that is unaffordable. MOHELA has been extremely difficult or impossible to reach throughout this process and has not adequately responded to my complaints or provided written resolutions. 

This situation has caused significant financial harm due to reliance on official forgiveness determinations, improper reinstatement of debt, lack of transparency, and servicer failure to respond or correct errors. 

I am requesting the following resolution : XXXX. A full review of my account and prior forgiveness determinations XXXX. Reinstatement of the debt relief I was awarded XXXX. Written confirmation of my correct loan balance XXXX. Removal of any improperly reinstated balances and accrued interest XXXX. A complete written explanation of why the forgiveness was reversed

Company response to consumer: Untimely response
Consumer complaint received 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: NH

Complaint narrative:
On XX/XX/XXXX, I made a purchase at XXXX using an Affirm virtual card associated with Loan ID XXXX. I returned the item on XX/XX/XXXX, and XXXX processed the refund to the original payment method on XX/XX/XXXX. 

Affirm did not return the refund to my linked bank account, even though I have multiple bank accounts connected to my Affirm profile and have received refunds through XXXX many times in the past. During my customer service chat on XX/XX/XXXX, Affirm agents repeatedly told me that a refund check had already been issued on XX/XX/XXXX. This was not true. 

Shortly after the chat ended, I received an email from Affirm stating that they had not issued a check and that they were asking me to confirm my mailing address so they could send XXXX. This contradicts what the agents told me and shows that the check had not been created at the time they claimed it had. 

The email also stated that Affirm was unclear which payment plan to apply the refund to, even though I provided the correct loan ID multiple times during the chat. I did not confirm my address, so no check has been issued. 

Affirm provided contradictory and inaccurate explanations, including falsely claiming I had no linked bank accounts and incorrectly stating the purchase was made with a physical Affirm card I never activated. They did not explain why the refund was not sent to my bank account, why I received no notification, or why they could not match the refund to the loan ID I provided. 

Affirm had the loan ID, the refund date, and the merchant confirmation, yet still failed to apply the refund correctly or provide accurate information. This resulted in a delayed refund, misinformation, and significant time spent trying to resolve the issue. 
Affirm also told me that if a paper check was issued, it could take up to 30 days to arrive. This is an extremely unreasonable delay for a refund that should have been returned electronically to my linked bank account within a few business days. This extended timeline appears to be the result of Affirms own mishandling of the refund, not any action on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
Report shows account was closed XX/XX/XXXX, now theres a balance over $ XXXX as of 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
Consumer complaint received 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: VA

Complaint narrative:
My card just stopped working with my funds up there I called and they stated I need to speak to an agent on the automated call they transfer me and no one will answer her phone Ive waited XXXXXX/XX/XXXXthe next day XXXXXX/XX/XXXX I need to access my funds they wont answer the phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble getting information about the card
Company: Conduent Incorporated
State: MI

Complaint narrative:
I have tried calling the number on the back of my way2go card for information regarding the reason my card and the app is not working I was not notified as to why either of them is not working I have called multiple times and every time Im am left on hold for over an hour each time I called even more importantly I receive these funds for my adult daughter that has XXXX XXXX XXXX XXXX XXXX XXXX that is currently in a hospital over an hour away from where we live I currently have a XXXX so I XXXX XXXX XXXX XXXX which means I have to pay someone to get her home but cant access her XXXX XXXX funds no get way2go customer service to even answer the phone and there app is not even working I have tried calling XXXX and they were also unable to help me I have no where to turn to help my daughter also it is multiple ppl that always have trouble with way2go consumer service

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: CA

Complaint narrative:
Jefferson Capital Systems has XXXX duplicate collections on my XXXX  reported stating I owe the same amount of {$240.00} for the same account twice and I would like these removed. This is a tactic used in their part to attempt to lower my credit score and not qualify for other credit cards or loans. Its disloyal and inaccurate I would like them to remove them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/year>, I was charged {$540.00} for a XXXX helicopter tour that was scheduled for XXXX XXXX. 

The service did not occur as agreed. We waited for over two hours and were repeatedly told 15 more minutes. The helicopter did not depart until approximately XXXX XXXX. Once it became clear the delay was unreasonable, I requested to cancel. The merchant refused and stated the booking was non-refundable, forcing us to proceed or lose the full amount. 

The service was materially different from what was advertised. Visibility during the flight was extremely limited, and our seating position obstructed the view. This did not match the premium experience described at the time of purchase. 

I filed a dispute with my credit card company and provided evidence, including screenshots showing the delay, proof of my cancellation request, and photos demonstrating limited visibility. Despite this, the dispute was denied with a generic explanation stating that the merchant did not find a billing error. The decision did not address the material time change, refused cancellation, or service quality issues. 

This is not buyers remorse. It is a service-not-as-described issue and a failure in the dispute resolution process.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: AZ

Complaint narrative:
The agency : Ability Recovery Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I called the collection agency after I received a message from XXXX that I had a negative report on my file and that my credit score had dropped XXXX points. I gave the agency my SS number since they could see if I was in their records Which I shouldn't have done but too late now. They found the debt and said i did not match their records. I They said they would report that back to XXXX. I just reviewed a 30 day dispute from XXXX  and they said that the debt was verified by Ability that it was me. I since put in another 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 2026-02-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Since XXXX, I have been calling everything month to BestBuy/ CBNA about the high interest rate that is too high and making my payments not impact the total balance due to go down or make any impact on my account. The agents who answer appear to be out of the country and there is a huge language barrier after you get past all the robot operated answering machines. The statements wont even provide me with my full account number in order to make any further adjustments. See attachment

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 2026-02-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I am a victim of human traffickingI submitted a human trafficking request to TransUnion. I mistakenly uploaded an incorrect document, the document was from my advisor to early warning services and TransUnion restricted my online portal, preventing me from correcting the submission. This restriction is blocking my ability to exercise my rights under federal law. I am requesting removal of the incorrect document, acceptance of my corrected documentation, and restoration of access or manual processing under special handling.Please remove the debt off my 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 explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Corp Solutions Inc.
State: OH

Complaint narrative:
Credit Corp Solutions Account opened a debt account XX/XX/year> Balance {$650.00}. I have called to get information on debt. They are reporting the wrong amount due and will not negotiate. They will do payments for the full amount but amount is incorrect. I was only approved for a {$200.00} credit limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Blitt and Gaines, P.C.
State: IA

Complaint narrative:
XXXX XXXX XXXX XXXX hired blitt and gains pc to manage my account. I asked blitt and gains pc for validation for the debt after them sending me the wrong stuff XXXX different times I asked XXXX to step in and help which they did help me get the proper documents that I asked for. Once I got that I wanted to proceed with making a payment plan or a payment I have been unable to get into contact with them. I've called over XXXX times left XXXX plus voicemails. With no contact back. I have escalated the issue with XXXXXXXX XXXXXXXX XXXX XXXX since they hired them. They have told them to contact me yet they haven't. I did manage to get ahold of someone from blitt and gains but she told me i can not do anything since it's in review. Which raises another red flag... why are they reporting to the credit reports if it is in " review '' that's against my rights. I am begging for help i know it's past my statute of limitations as well. It's not fair they are dragging my credit through the mud and refusing to let me fix it. 
Please help this isn't fair or right! They are breaking many laws here but I feel I don't matter because I'm not a millionaire or billionaire. Just a mother trying to better her credit. Thanks for listening I really look forward to hearing back from you.

Company response to consumer: Closed with explanation