vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to file a complaint against Midland Credit Management. I do not have a business relationship with this company and I do not owe any debt to them. Despite this, they have repeatedly sent individuals to my place of residence in an attempt to serve court papers for a debt I do not recognize. 

The most recent incident occurred on XX/XX/2025, when a process server appeared at my residence claiming to be serving legal documents on behalf of Midland Credit Management. This has happened multiple times over the past 4 months, creating stress, confusion, and a sense of harassment. 

I have not received any prior written notice or validation of any debt from this company, and I am not aware of any accounts that would involve Midland Credit Management. I have not received a debt validation letter or any formal communication regarding this supposed debt, which I believe is a violation of the Fair Debt Collection Practices Act ( FDCPA ). 

Actions I have taken : I asked the process server to provide documentation about the debt, which was not provided. 
I attempted to look up any case related to my name in the local court system and found no record of any such lawsuit. 
I have not received any prior written communication from Midland Credit Management regarding any debt owed. 

This behavior is harassing and unjustified, particularly when I have no known debt with this company. I am requesting that the CFPB review this matter, hold Midland Credit Management accountable for any violations, and ensure they cease all further contact unless they can provide legitimate and verified documentation regarding the alleged debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
XX/XX/XXXX I closed my XXXX XXXX account that was financed through TD Bank. This account was charging {$5.00} a month for this program. I have letters saying that it was closed. Their billing for any amount of money still owed was random and showed inaccurate charges. They basically seemed to be making up money that I still owed them on a closed account. In XXXX of XXXX XXXX ended financing with TD Bank which should not have affected me since I cancelled my plan in XX/XX/XXXX. In XXXX of XXXX because of this random charge that was never more than {$55.00} my XXXX XXXX dropped XXXX points. For some random reason this month my XXXX XXXX dropped XXXX points after being slightly adjusted from the previous complaint. I really feel like they have fraudulently damaged my XXXX XXXX of {$5.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: Shellpoint Partners, LLC
State: MI

Complaint narrative:
XXXX XXXX XXXX My loan was in forbearance in late XXXX thru XX/XX/XXXX. 
In XX/XX/XXXX, Shellpoint created 3 months of Trial Payments. 
These were due as follows : XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1700.00} XX/XX/XXXX {$1700.00} Nothing was due until XX/XX/XXXX. 
I paid this amount XXXX, before the due date. 
I paid : {$1700.00} on XX/XX/XXXX. 
1 month XXXX for the XX/XX/XXXX due date. 

Except instead of correctly applying this amount or even processing this payment, Shellpoint has this payment sitting in limbo. 
It is currently listed as " Unapplied Payment ''.

Shellpoint has this incorrectly listed as Due : XX/XX/XXXX The loan was in forbearance on that date, this was not a payment towards XX/XX/XXXX. 
It was the first in the Trial Payments. 
They did not apply this amount to the Principal, Escrow, any balances, or towards my Trial Payment.

It is just sitting in Shellpoint 's ledger right now as " Unapplied Payment, '' with nothing having been done with it or even processed. 

I have received a dozen harassing emails and letters, telling me to pay the {$1700.00} that was due on XX/XX/XXXX, but was already paid on XX/XX/XXXX. 
That my payment is " Late. '' My payment for the XXXX payment of the Trial Payment was paid XXXX weeks early. 
It is not late. It is not past due. 
The next payment that is due is XX/XX/XXXX. 

But because Shellpoint has NOT PROCESSED my XX/XX/XXXX payment and have left it sitting in limbo, I was not given any credit for this payment ever having been made. 

I need my XX/XX/XXXX payment of {$1700.00} processed. 
I need this payment correctly marked as the 1st in the Trial Payment process. 
I need Shellpoint to do their jobs correctly. 

* * * Attached is my payment receipt, the Loss Mitigation Status & Shellpoint 's ledger with my XX/XX/XXXX payment listed as " Unapplied Payment '' instead of a Trial Payment, also not ever processed. * * *

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 2025-05-14 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National credit systems has a XXXX account on my credit for some complex. I called the complex which is now owned by a new owner and the property XXXX stated she does not know how the previous leasing agent allowed anyone to move in with the information provided. All the information was fake. I the called XXXX the company itself and they told me they don't have a file with my name and they can't place anything on my credit it would be National Credit Systems. I called National Credit Systems and they seem completely lost and very rude. I need National Credit Systems to remove this off my credit and remove me from there system.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Source Receivables Management LLC
State: NJ

Complaint narrative:
I requested copies of the bill, never received. need this to be removed from my credit report today.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Maximus Federal Services, Inc.
State: WA

Complaint narrative:
I have been trying to find information about my payments through the several companies that have bought and sold my student loans and I have no history from from XXXX. I want to know my payment history so that I can see how much I have paid on my principal. Somehow, I have paid on my loans for 15 years and the amount I owe has gone up. The amount that I have paid off is a negative number, as high as XXXX % paid off. I recently found out that interest accrues daily. So, by the end of paying off all of these loans, I will have paid them XXXX times! I will have paid $ XXXX {$110000.00} on a {$30000.00} loan

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: GA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. 

Please see the attached file for what I am complaining about! I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-05-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: IL

Complaint narrative:
I sent payment of {$40000.00} ( payoff amount ) and Affidavit of XXXX, Orders, Clarification and Statement of Value and Consideration to the company 's payoff center mailing address on XX/XX/year> via XXXX XXXX Mail. It was received by the company on XX/XX/year>. Since this mailing, I have received XXXX phone calls from this company stating that they have not received the payment, when in fact they have been in possession of it since XX/XX/year>. Each time I have returned the company 's phone calls to tell them that I have proof these envelopes were delivered, and to please apply the payment to the account, and each time the representative that I speak with says they have not received the payment. On XX/XX/year> I sent a XXXX notice of Affidavit to the company 's payoff center mailing address via XXXX XXXX Mail, and it was received by the company on XX/XX/year>. On XX/XX/year> I sent a XXXX notice of Affidavit to the company 's executive offices, attention : XXXX, via XXXX XXXX Mail, and it was received by the company on XX/XX/year>. Today XX/XX/year> I sent a XXXX notice of Affidavit to the company 's correspondence only address, via XXXX XXXX Mail. I have also requested several times to speak with a supervisor. The first time the request was cancelled. The second time I missed the phone call on XX/XX/year> and called back within one hour and was told the supervisor was on another phone call. I was told the supervisor would call me back and I never received a phone call back. On XX/XX/year> I called the company again to request to speak with a supervisor. I have not received a phone call back from a supervisor yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Paying off the loan
Company: Shellpoint Partners, LLC
State: GA

Complaint narrative:
SUMMARY Hurricane Milton ( XX/XX/XXXX ) and Hurricane Helene ( XX/XX/XXXX ) in Florida created enough damage to make our house non-livable. We moved to live with family in XXXX We had to get thru the initial mitigating and insurance processes all the while still paying insurance taxes and mortgage. It was quite a process. Next, we placed our damaged house on the market to sell. Very competitive as many were doing the same. 

We finally received all 3 insurance checks, had them endorsed as needed by both mortgage companies and/or insurance public adjuster and ourselves. 

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX communicated with New Rez our intent is to sell the house several times as needed ( attached all 3 intent letters ) XX/XX/XXXXXXXX  overnighted all 3 insurance claim checks, totalling {$150000.00} -- fully endorsed and payable to us on XX/XX/XXXX XXXX ( attached receipt ) XX/XX/XXXX Sale of house XX/XX/XXXXXXXX  New Rez Mortgage balance of {$230000.00} fully paid ( attached HUD XXXX XX/XX/XXXX called New Rez to confirm XXXX balance, they asked for proof. We sent attached email we received that morning ( from them ). They said it would take 24 hours to process. ( attached email printout ) XX/XX/XXXX called New Rez to confirm processing of payoff that their other department had already sent XX/XX/XXXX via email. spoke with XXXX customer service, escalated to XXXX supervisor also spoke with XXXX in Loss Draft. ( email XXXX ) She tried to help, she seems to agree with us that they should disburse funds. 

XXXX XXXX XXXX last two attached pages are instructions they sent to our damaged home ( we had updated our new address in GA several times-not sure why they kept using address of damaged home. 

see attachments below BOTTOM LINE- The incompetence and shuffling of New Rez internal department policies and who to speak with is a distraction when there is no reason they should be holding onto insurance proceeds payable to us. They say this is their procedure to hold for 30 days from payoff date. There is never a manager to speak with- the departments do not share information or communicate with each other. sounds like a violation of our rights, especially in wake of natural disasters we already experienced in late XXXX and early XXXX. I do not know where to see that we ever agreed to that process. 
We expect full reimbursement of our claim money promptly now that our loan is paid in full. Shameful practice. We are the customers and have already suffered two natural disasters

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: NY

Complaint narrative:
XXXX-I inquired about a trip to XXXX including a XXXX XXXX from XXXX, a foreign travel agent which advertises of XXXX. 
XX/XX/year> -They responded with a quote for the trip including a cruise on the " 5 star '' " royal adventure '' for {$2000.00} per person XXXX-I had read some bad reviews of this cruise, and said I would be willing to pay more for an upgraded cruise XXXX They offer me an " upgraded " cruise on the " XXXXXXXX XXXX XXXXXXXX '' for {$2700.00} per person ' . 
Nearly {$1400.00} more, also a " 5 star " cruise. 

I book and pay for the trip. 

XX/XX/year> - We arrive at the cruise boat, after midnight. The boat is not in fact the XXXX XXXX XXXX XXXX but another boat ( The XXXX XXXX ). The boat is dirty, and smelly, and the room is dirty, with loose and discolored ceiling tiles, a nonworking tv, and generally of a very low quality ( I can provide pictures to document this ). 
I immediately call XXXX, who tell me there is nothing they can do ( using the boat wifi, there being no cell service ). We get on the boat as there is no alternative, the boat being in a deserted isolated spot in XXXX. 

XX/XX/year> We arrive in XXXX, and depart the boat for a hotel, leaving the cruise 2 days early. 
XXXX I contact the company and ask for a 50 % refund, which should have covered the cruise. 
XXXX I send them pictures of the boat. 

XX/XX/year>, XX/XX/year>, and XX/XX/year> they reply that by the terms of their contract, they have the right to switch me to any boat which the government of XXXX classifies as 5 stars, even though they actually charged me {$1400.00} for the " superior '' 5 star cruise. 

XX/XX/year> I file a complaint with Capitol One. They put a hold on the charges. 

XXXX responds, and Capitol One says the good " were as described '' XXXX- I respond to Capitol One showing the increased charge for the " upgraded '' 5 star cruise, as well as numerous pictures of the boat. 

XXXX Capitol One rejects my claim. 

XXXX I call Capitol One to ask why the claim was rejected, and they tell me that by staying on the boat I accepted the Terms of the agreement, and that we should have gotten off the boat immediately, with our luggage, not speaking XXXX, and somehow arranged for another XXXX cruise at XXXX XXXX  in the morning, even though the boat was in an isolated area of XXXX without cell service.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/year> I requested the Description of the reinvestigation procedure according to 15 USC 1681i ( 7 ) states that if requested by the consumer this must be provided within 15 days in order to be in Compliance with the FCRA Guidelines They have failed to provide any Information

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 2025-05-14 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I cancelled cell phone service with XXXX on XX/XX/XXXX. XXXX closed the account with a credit balance of {$11.00}. The FINAL BILL dated XX/XX/XXXX, invoice # XXXX, for billing period XXXX XXXX XXXX shows a credit balance of - {$11.00} and says DO NOT PAY. 

At the same time I received a separate bill for a different XXXX acct ( which is 1 number off from the closed account ) inv # XXXX indicating a FIRST BILL for these same phone numbers for the amount of {$200.00}. The bill date was XX/XX/XXXX. There is no FIRST BILL. Service was CANCELLED on XX/XX/XXXX. 

I called XXXX on XX/XX/XXXX regarding this error. XXXX, the representative investigated the problem and after 45 minutes of investigation on his part he said that somehow the system had accidentally set up the new account. I stayed on the line with him until he was able to confirm that the situation had been resolved. He said that the charge of {$200.00} had been deleted, the new account had been closed & this bill would not be sent to collections. 

I then receive a debt collection notice from XXXX XXXX , XXXX dated XX/XX/XXXX for the {$200.00}. I replied prior to the deadline of XX/XX/XXXX explaining the situation. I never received any acknowledgement that my response was received or investigated. 

I then receive a 2nd debt collection notice from XXXX XXXX XXXX dated XX/XX/XXXX for the {$200.00}. I replied prior to the deadline of XX/XX/XXXX explaining that this was a fraudulent bill. Again I never received any acknowledgment that my response was received or investigated. 

I then receive a 3rd debt collection notice from Trueaccord dated XX/XX/XXXX for the {$200.00}. I have replied prior to their deadline of XX/XX/XXXX. To date I have not received any acknowledgment that my response was received or investigated. 

This borders on criminal behavior on the part of XXXX. How is it that XXXX can set up a fraudulent bill and continue to bill me on this fraudulent bill? How is it that they can send this fraudulent bill to 3 different collection agencies when their representative told me on XX/XX/XXXX that the error was on XXXX 's part, that the system had somehow accidentally set up the new account. The representative, XXXX, confirmed that the situation had been resolved. He said that the charges of {$200.00} had been deleted, the new account had been closed and this bill would not be sent to collections. 

This has been 9 months of harassment on XXXX 's part. If someone would take the responsibility to actually review the situation they would see that it is a made up bill & I do not owe anything and the collection process should never have begun. 

Please resolve this and stop the harassment.

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 2025-05-14 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: OneMain Finance Corporation
State: CA

Complaint narrative:
Unauthorized Hard Inquiries : 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 2025-05-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-14 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: VA

Complaint narrative:
15 USC 1681b ( a ) ( 2 ) Permissible Purpose of consumer reports. Please remove this incorrect personal information. As a consumer this must be deletedimmediately.

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 2025-05-14 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: MOHELA
State: NJ

Complaint narrative:
I am a victim of identity theft. There are multiple student loans from MOHELA ( Missouri Higher Education Loan Authority ) that were fraudulently opened using my personal information. These loans are not mine. I never applied for, signed for, or received funds for these loans, and I discovered them only after a sudden drop in my credit score and alerts of 90+ day late payments. 

I have already filed a formal identity theft report with the Federal Trade Commission ( FTC ), submitted a dispute with XXXX, XXXX, and XXXX, and provided proof of identity and address. Despite submitting the required documentation and my Identity Theft Report, the credit bureaus either denied my disputes or have made it difficult to dispute all of the fraudulent accounts. XXXX  is requiring that I call, and XXXX  and XXXX  online system does not allow uploading all documents or grouping the fraudulent MOHELA accounts together. 

These loans continue to appear on my reports and severely damage my credit score through no fault of my own. I am requesting that the CFPB intervene to ensure that the credit bureaus and MOHELA remove these fraudulent student loan accounts from my credit reports under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation