vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: MOHELA
State: NY

Complaint narrative:
Subject : Complaint Regarding XXXX Failure to Provide Access, Customer Service, or Account Support I am filing a formal complaint against MOHELA for its ongoing failure to provide basic customer service, account access, and required support for my federally serviced student loan. 
For more than XXXX years, I have been unable to reach a MOHELA representative by phone. Calls either disconnect, or when I do reach someone, the representative does not speak. I have also been unable to log in to my MOHELA online account due to repeated verification errors involving my Social Security number and date of birth. 
I have contacted Federal Student Aid ( studentaid.gov ) multiple times for assistance. Their representatives have attempted to connect me with MOHELA directly, but they have also been unable to reach a live representative. This demonstrates a systemic failure in MOHELAs customer service operations. 
For over a year, I have attempted to apply for a forbearance. However, without access to my account or the ability to speak with a representative, I have been unable to complete this process. MOHELAs inaccessibility has prevented me from managing my loan responsibly and has caused significant hardship. 
Key issues include : Inability to reach MOHELA by phone for over XXXX years Inability to log in to my account due to verification errors Failed attempts by Federal Student Aid representatives to reach MOHELA on my behalf Inability to apply for a forbearance despite repeated attempts MOHELA placing calls to my phone but disconnecting or remaining silent when answered No available method to obtain assistance or resolve account issues I am requesting that the CFPB investigate XXXX failure to provide required customer service and ensure that I receive immediate assistance in restoring account access, processing my forbearance request, and establishing a reliable communication channel.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: FL

Complaint narrative:
NCB is falsely reporting on my credit. I have never had any accounts with them. Per my research NCB is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: CO

Complaint narrative:
I closed my XXXX XXXX account and enrolled in XXXX XXXX 's debt consolidation/resolution program to manage and settle my debts. An agreement was reached where XXXX XXXX would handle payments from my settlement account to resolve the debt. However, XXXX XXXX charged off the account, sold the debt to a collection agency, and now the debt is appearing twice on my credit reports : once as the original XXXX XXXX charge-off and once as a collection from the agency. One of these entries appears fictitious or inaccurate, as it does not reflect the settlement arrangement through XXXX XXXX. This duplicate/inaccurate reporting has caused my construction-to-permanent loan to be denied due to unresolved collections. I have disputed this with the credit bureaus since, but it remains. This violates FCRA by reporting incomplete/inaccurate information. Please investigate and require removal/update of the duplicate/fictitious entry.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
Whom It May Concern, I am writing to dispute multiple collection accounts that are currently being furnished to the consumer reporting agencies under my name. I do not recognize any of the alleged debts listed below and dispute them in their entirety. 
This letter serves as a formal request for validation pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), as well as a dispute of inaccurate credit reporting under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ).

The collection agencies and accounts in question include, but may not be limited to, the following : Credit Systems International alleged utility and/or auto-related collection - {$230.00} Automated Collections alleged rent-related collection- {$440.00} Southwest Credit Systems alleged utility and/or auto-related collection- {$260.00} XXXX XXXX alleged utility collection- {$270.00} XXXX alleged telecommunications collection- {$340.00} Ive tried disputing these and speaking with XXXX companies directly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Deficiency balance after repossession
Company: TOYOTA MOTOR CREDIT CORPORATION
State: NV

Complaint narrative:
I am filing a complaint regarding unfair lending practices, wrongful repossession, theft, and obstruction by Toyota Financial Services ( TFS ). 

Key Events & Timeline : XX/XX/XXXX : Received a notice from XXXX stating I owed {$1100.00}. 
XX/XX/XXXX : Vehicle was repossessed without further notice. 
XX/XX/XXXX : After a XXXX delay in obtaining the redemption amount from XXXX, I secured {$5200.00} to cure the default in full. XXXX refused the full {$5200.00} payment, accepting only {$3000.00}, thereby manufacturing additional fees. 
XX/XX/XXXX : The repossession company, after withholding the vehicle 's location, required a {$130.00} money order simply to access my impounded vehicle. 
XX/XX/XXXX : Upon recovery of the vehicle, I discovered that the repossession agent had : XXXX cash from inside the vehicle. 
Damaged the vehicle ( loosened control arms ). 
Broken personal belongings. 
XX/XX/XXXX : When I reported the damage to XXXX, a representative provided demonstrably false information to obstruct an insurance claim, giving the fake company name " XXXX '' and the non-working phone number XXXX. 
XX/XX/XXXX : XXXX issued a new statement demanding an additional {$1100.00}. 
XX/XX/XXXX : I attempted to send a formal dispute and settlement demand via certified mail to XXXX 's official legal P.O. Box ( P.O. XXXX XXXX, XXXX, CA XXXX ). 
XX/XX/XXXX : The XXXX returned that letter undelivered, marked " Return to Sender, Unable to Forward. The addressee moved and left no forwarding address. '' Underlying Issue : The loan originated from the purchase of a defective vehicle with a bent axle housing, broken suspension both conditions not disclosed at sale. I was sold a {$2600.00} warranty that proved useless for this pre-existing defect. 

Actions I Have Taken : Re-sent my formal demand to XXXX 's corporate headquarters. 
Filed a complaint with the Nevada XXXX XXXX XXXX. 
Am in the process of filing a police report for the theft committed by the repossession agent. 
Violations Include : Wrongful repossession ( refusing a full cure payment ), failure to provide a post-repossession accounting as required by Nevada law ( XXXX XXXX ), imposing unlawful fees, and vicarious liability for the criminal acts ( theft, damage ) of their repossession agent.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

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 2026-02-05 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: MA

Complaint narrative:
I hold a XXXX XXXX credit card through Chase, which includes a stated benefit of {$150.00} statement credit towards dining at select restaurants, twice per year. This benefit is detailed at https : XXXX  under the section titled " {$300.00} Annual Dining Credit ''. 

I attempted to use that benefit at a participating restaurant on XX/XX/XXXX. To date, Chase has not issued the credit to my account despite several promises to do so. Below is a timeline of my experience, including a description of all related communications with Chase customer support : XX/XX/XXXX - Dined at La XXXX, XXXX, MA. Charge posted for {$180.00} XX/XX/XXXX - {$150.00} credit not yet received. Called Chase customer support. Informed that the credit should post soon. 

XXXX XXXX  call to Chase support. Instructed to wait XXXX weeks from the transaction date for the credit to post. 

XXXX Received letter dated XX/XX/XXXX confirming transaction is valid, asked to " allow XXXX to XXXX weeks for the ... credit to post ... from the transaction date ''. 

XX/XX/XXXX ( XXXX weeks + XXXX  days after transaction ) - XXXX  call to Chase support. Escalated to XXXX department, asked to allow XXXX business days for charge to post. Instructed to check account on XXXX to confirm that credit posted. Expressed disappointment that credits are taking so much effort to receive. 

XX/XX/XXXX ( XXXX business days from last call ) - XXXX  call to Chase support. Escalated to marketing department again. Asked to allow XXXX more business days for credit to post.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX is falsely reporting on my credit. I have never had any accounts with them. Per my research XXXX XXXX is a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I applied for this credit card and never received the card and never activated it. Despite this, I was charged an annual fee. After multiple calls and follow-ups, I was repeatedly given the runaround and conflicting information, and the company refused to reverse the fees for a card I never had. 

This situation should have been simple to resolve, yet it has taken excessive time and effort with no accountability from the company. Charging customers for a product they never received is unacceptable. 

Due to the lack of resolution and poor customer service, I will be reporting this issue to the CFPB, BBB, and credit bureaus. I strongly caution others to think carefully before applying for this card.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: MD

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 2026-02-05 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Problem with customer service — 
Company: The J. G. Wentworth Company
State: FL

Complaint narrative:
I am enrolled in JG Wentworths debt resolution program and submitted multiple written requests ( 4 emails ) to partially withdraw certain creditors from my enrollment. 
Per their disclosure, I have the right to withdraw or modify enrollment at any time without penalty. 
Despite repeated written notices clearly specifying which accounts to remove, JG Wentworth has failed to respond or process the request. They continue to insist on a phone call rather than honoring my written request, which appears to be a delay tactic. 
I am requesting that JG Wentworth immediately : Remove the specified accounts from my program Stop assessing fees on those accounts Adjust my monthly draft Provide written confirmation Their lack of response is preventing me from managing my finances and appears to violate my right to withdraw from the program.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SUNCOAST CREDIT UNION
State: FL

Complaint narrative:
Suncoast credit union gave my children information to a marketing company and that company was hacked and their social security numbers were stolen they sent me a letter to sign up to XXXX but I told them that that company was hacked before and my information was taken and that I am not comfortable with adding my childrens information to that company they did not try to give me other options because they work specifically with that company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: ALLY FINANCIAL INC.
State: TN

Complaint narrative:
I purchased a XXXX XXXX XXXX XXXX back in XXXX with XXXX auto sales. I never received the car or any paperwork of the vehicle that I purchased. XXXX auto sales went out of business and got their license revoked. Ally financial is the bank who loaned me the car they never got my title or any documents for my vehicle. I never received the vehicle and I do not need this problem to be on my credit report. I need this taken off of my credit because I have never received a vehicle and I do not have the documents for it. They are still trying to tell me that I need to make payment payments for the vehicle, but I do not have the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
My mortgage loan transferred from XXXX XXXX to Freedom Mortgage effective XX/XX/year>. XXXX days earlier, on XX/XX/year>, my escrowed homeowners insurance policy was canceled due to an unpaid premium reassessment that occurred while the loan was still serviced by XXXX. 

Because the insurance was escrowed and this is an FHA loan, I was not aware the reassessment had not been paid and had no ability to intervene directly. XXXX received notice of the impending cancellation in early XX/XX/year>, but the loan transferred without resolution. 

Freedom Mortgage boarded the loan without active homeowners insurance and did not detect the lapse for several months. By the time the issue was identified, the prior insurer confirmed the policy could not be reinstated. This resulted in lender-placed insurance, replacement coverage at a significantly higher premium, and a tripling of my escrow payment. 

I submitted a formal RESPA Notice of Error. Freedom corrected the escrow prospectively and canceled lender-placed insurance but denied reimbursement for the increased insurance and escrow costs, stating the issue originated prior to transfer. 

Due to character limits, I have attached a detailed XXXX with a full timeline, servicing analysis, borrower harm, and supporting documentation.

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 2026-02-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The account XXXX XXXX XXXX Account number XXXX has already been deleted by XXXX and Under the Fair Credit Reporting Act ( FCRA ), all reporting must be accurate and consistent across all credit bureaus. Your continued reporting of this account is a direct violation of that requirement please Delete this account from your records immediately. Below is attached proof it was deleted from other credit bureaus and proof of identity

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 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
Ive told XXXX XXXX multiple times that the meter was wrong which the came and did an assessment years ago. They agreed that the meter was wrong and that the amount owed was reduced. I paid said amount due and now years later they keep saying that I owe but I dont. I believe this debt belongs to the other unit which was downstairs from us. There was an issue where the meter was reading for both units and being applied to my unit. XXXX XXXX and my landlord at the time informed me that it will be resolved and to only paid a small lump sum which I did. Now my information has been sent to a company called trans world which I did not authorize them have my information sent to a XXXX party agency that I was not aware about. They have been sending my credit information to multiple companies every couple months and I am sick of it. The debt is not mine and Im being harassed about a debt that is not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-05 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: EQUIFAX, INC.
State: FL

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

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 2026-02-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
there is an bankruptcy reporting on my credit report in the public information section reporting bankruptcy which is inaccurate and needs to be removed i never filled for the following : bankruptcy XXXX XXXXXXXX dismissed filed XXXX reference XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX

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 2026-02-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
XX/XX/XXXX VIA CERTIFIED MAIL RETURN RECEIPT REQUESTED Mr. Cooper XXXX : Notice of Error/Request for Information XXXX XXXX XXXX XXXX, TX XXXX XXXX : NOTICE OF ERROR Escrow Analysis and Delinquency Dispute Mortgage Loan Number : XXXX Property Address : XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom It May Concern, This letter serves as a formal Notice of Error pursuant to Section 6 of the Real Estate Settlement Procedures Act ( RESPA ) and 12 C.F.R. 1024.35. I am writing to formally dispute the escrow analysis dated XX/XX/XXXX, which incorrectly indicates an escrow shortage of {$12000.00}. 
Description of Errors Failure to Credit Direct Property Tax Payment : On XX/XX/XXXX, I paid my property taxes in the amount of {$9500.00} directly to the XXXX XXXX XXXX XXXX. A copy of the official tax receipt is attached. Your records fail to reflect this payment, resulting in a duplicative charge to my escrow account when you attempted a subsequent payment on XX/XX/XXXX. 
Inaccurate Escrow Shortage Calculation : Because my direct payment was not reconciled prior to your XX/XX/XXXX analysis, the projected shortage of {$12000.00} is factually incorrect. My account remains current, and this " shortage '' is a direct result of accounting oversight. 
Erroneous Delinquency Status : My account has been improperly marked as delinquent due to the aforementioned failure to update records following my direct payment. This status is inaccurate and must be corrected immediately. 
Required Actions

Company response to consumer: Closed with explanation