vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
On XX/XX/year> I received an escrow analysis with the wrong insurance premium. On XX/XX/year> I received a new analysis with the correct insurance premium but mandated a {$920.00} shortage payment added to my monthly payment. I immediately called and explained that this added shortage payment of XXXX XXXX XXXX was something I could not afford and it would force me to sell my house. I requested a longer term to pay shortages. After being on hold for over an hour I was told that a 48 month term would be granted and I would receive an updated escrow analysis with a lower monthly payment. After 2 weeks I called because I had not received or heard from mortgage company. I was told that they never received my request for consideration for a lower shortage payment with an extended term. After another hour on hold I was told all necessary forms would be submitted in my behalf. After 2 weeks I called back and again I was told there was no analysis requested and there was no request to receive an extended term on the {$920.00} shortage. My frustration is high. Once again after an hour the correct request and a complaint was submitted by the representative. She assured me that I would receive a call and that this request would be reviewed and handled. I explained to her that I was experiencing a financial hardship due to XXXX hurricanes that destroyed my home and I was rebuilding. I just needed the {$920.00} shortages to be spread out on a longer term to help reduce the amount.I explained that the hurricanes caused a lost of income and has cost me a significant amount of money to rebuild the home. She assured me I would get a call and a resolution. I then emailed the lender through my customer portal explaining all of this. It has been XXXX weeks now and I have not received a call or any communication and no response to my email. I have been a customer for over XXXX yrs and never late with my mortgage payments and all I am asking for is a longer term for repayment on my shortage so I dont have to sell my home. I am of XXXX descent and it was a miracle that I was able to buy a home and I am the first person in my family to afford a home and now because this lender is refusing to respond or work with me I will be forced to lose my home. I just need a longer repayment term for the {$920.00} escrow shortage due to a higher insurance premium. I dont think I am asking for much. Please help XXXX XXXX loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: NY

Complaint narrative:
I received an email from Mohela stating that my account was delinquent. I checked my account on their site and it showed that the payment was posted but not registering on the summary which caused a late notice to be sent. After waiting days for an answer from the submission in their internal inbox/email system and receiving no answer, I called the company. It took forever to get through to someone ( over an hour ) and was told i was past due. I explained that the system shows a payment so why is it not being deducted from my overall summary balance. After much back and forth, many can i place you on holds, I was told there was a glitch in the system. That it would be corrected but XXXX take up to 6 months. I asked about late fees and credit reporting and was assured it would not affect either. I also asked for a transcript of the phone conversation and was told it was recorded but they could not provide any details about the conversation to me in writing. So I have to take their word that it will be resolved. This was the beginning of XXXX. The first inbox message was XX/XX/XXXX, the phone call that I could talk with someone was on XX/XX/XXXX. After I spoke with someone, a reply appeared on the inbox page to my question stating this situation had been resolved because I had spoken with someone. Resolved to me is correcting the issue. 
On to XXXX, made my payment ( again on time ) and received another notice stating I am now 2 months behind on my account. Even though the website shows the payment being paid. I again sent another inbox message asking what is going on with the account that this is now showing 2 months late on the XXXX of XXXX. As of yet, the message has not been answered and it is XX/XX/XXXX. 
Why is there a problem with Mohela not correcting this situation?. I do not know if anyone else is having an issue with Mohela as their provider but I would like someone from the state education dept to look into their practices. I have done everything possible to build my credit history to the best it can be and I do not want this student loan situation to compromise that. I have sent them another inbox request to fix the situation that goes unanswered. Is there anything that can be done from this end? 
I am a very frustrated educated person trying to do the right thing with my loan. Any advise or help would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
I went online to complete my payment to my TJX Rewards Platinum Mastercard account on XX/XX/year> ( processed date ). The TOTAL BALANCE was {$210.00}. I paid in full to assure a " {$0.00} '' balance. I saved my receipt. Closed account. 

In XX/XX/year> to date, I started receiving new TJX Rewards bills that for new payment amounts for an account that was paid in full with a XXXX balance and closed. Attempting to contact TJX Rewards was pointless as the multiple attempts led to calls being transferred ( never knowing that you are being transferred or who to ). Calls are disconnected. No resolution. I decided to record the call attempts. The only thing a representative did say is, " Well, the interest amount came in after your payment. '' This become problematic. If they are submitting NEGATIVE credit reports damaging your history, attempting to collect monies, regardless of the size ( {$4.00} or more for example ) to thousands of people, this becomes a problematic scam resulting in XXXX, millions of dollars against unsuspecting consumers. BEWARE!! BEWARE!! 

I just paid the {$12.00} and change that they added to my account and they sent a negative report to the credit reporting agency. This in my opinion is coercive behavior. I'm sure my situation is not isolated with this company.

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 2025-07-19 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: T.S. Holdings
State: FL

Complaint narrative:
Yes I paid the whole month of XXXX, and a couple of days later they kicked me out because of my dog, but everything would be settled with the payments from the first month and last month and the deposit if I moved before XX/XX/XXXX and I left XX/XX/XXXX I gave them the keys and cleaned everything out so I don't know why they are looking for more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: VA

Complaint narrative:
Loan was paid off on XX/XX/year> with no Letter of Lien Release issued with wet signature as required by XXXX 's to get a new title. Have not provided a new Title without Lien if that was easier either. Talked with supervisors and no action other than check back in 5 business days which leads to the same loop and no resolution. I am needing to sell the vehicle and can not do so without one of the above options. Next course will be to sue which is not my preferred course of resolution.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX ( XXXX ) has illegally re-aged a debt on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I initially disputed this debt with both XXXX and the credit bureaus, clearly stating that the date of first delinquency had been manipulated to make the debt appear newer than it is. This is a tactic used to extend how long a derogatory item stays on a credit report, and it is illegal under the FCRA unless I have made a payment or entered into a new written agreement neither of which has occurred. I submitted physical proof of re-aging. 

Instead of correcting this, XXXX verified the debt as accurate, despite the original dispute being focused on illegal re-aging. This means they validated the debt without correcting their FCRA violation, and are continuing to report inaccurate 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX ( XXXX ) has illegally re-aged a debt on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). 

I initially disputed this debt with both XXXX and the credit bureaus, clearly stating that the date of first delinquency had been manipulated to make the debt appear newer than it is. This is a tactic used to extend how long a derogatory item stays on a credit report, and it is illegal under the FCRA unless I have made a payment or entered into a new written agreement neither of which has occurred. I submitted physical proof of re-aging. 

Instead of correcting this, XXXX verified the debt as accurate, despite the original dispute being focused on illegal re-aging. This means they validated the debt without correcting their FCRA violation, and are continuing to report inaccurate 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 non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I LOOKED XXXX MY CREDIT I NOTICED AND NOTICED ACCOUNTS AND HARD INQURIRIES THAT I HAVENT INITIATED.

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 2025-07-19 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Told you not to respond to a lawsuit they filed against you
Company: Klima, Peters & Daly, P.A.
State: VA

Complaint narrative:
In XXXX of XXXX, I was served a warrant in debt for debt I had with XXXX XXXX XXXX XXXX The firm representing XXXX is Klima, Peters, and Daly XXXX XXXX XXXX XXXX. Prior to the court date, I called their offices trying to negotiate or work out a payment plan. I do not have the date of this phone call but it was recorded, as they make sure to inform you all calls are recorded. I did work out a payment plan of $ XXXX to be paid to their firm. The representative in their office told me I did not need to go to court for the hearing since we had worked out a payment plan and they would let the judge know we had one in place. I was naive to believe them and not go to court. Ive been paying on this payment plan since. I made a short payment in XX/XX/XXXX of {$100.00} and on XX/XX/XXXX I paid {$150.00}. On XX/XX/XXXX I made a payment of {$75.00} that never cleared my bank account. I received a letter from Klima, Peters, and Daly on XX/XX/XXXX dated for XX/XX/XXXX stating they were not taking my payment because I was no longer in compliance with the terms of my agreement and I would have to call their office for information about my account. I called on XX/XX/XXXX to try to resolve any overdue payment and the representative I spoke with informed me a garnishment order had already been filed and there was nothing I could do at this point except to go to court. I called their office a second time later on XX/XX/XXXX and spoke with a woman asking again if there was any possible way to resolve the issue. Both people I spoke to at their office told me I had set up a payment plan for {$200.00} a month which is incorrect, we had negotiated {$75.00} every payday or $ XXXX. I also wanted to know when the garnishment order was filed. She would not tell me the date of the filing and told me if was not required for them to inform me of any garnishment. Because I wanted to know when the order was filed, I went online to the VA Courts system website to find the case information. I was surprised to see the court hearing I was supposed to have in XXXX of XXXX was deemed a default judgment. In researching the garnishment and my rights I have recently learned that a default judgment means you dont show up for court and hurts you tremendously. Im not denying I made a short payment in XX/XX/XXXX, however, I feel so stupid and deceived for having listened to this creditor who informed me I didnt have to go to my court hearing because we had worked out a payment plan. I dont want this to happen to others in the future because had I known, I would have gone to my court hearing and informed the judge I had worked out a payment plan with the creditor. I think their law firm should have to be more forthcoming with information concerning your account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: EQUIFAX, INC.
State: MI

Complaint narrative:
They are reporting a account after 7 years That I have disputed 10 times Experian URGENT DISPUTE - DEMAND FOR PERMANENT REMOVAL OF NEGATIVE ITEM - XXXX XXXX XXXXXXXX - ACCOUNT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 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: MI

Complaint narrative:
They are reporting a account after 7 years That I have disputed 10 times Experian URGENT DISPUTE - DEMAND FOR PERMANENT REMOVAL OF NEGATIVE ITEM - XXXX XXXX XXXXXXXX - ACCOUNT # 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 2025-07-19 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: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX, we made a kitchen appliance purchase at Homedepot for {$8900.00}. At the store, we applied for the homedepot credit card and paid for the appliances. We were told that the promotion is for XXXX months so the account wont receive interest until then and after that we will get charged with an APR between XXXX %. 
We even talked with their representative over the phone to get the credit request approval but they never mentioned the entire interest of XXXX months would be applied to the account if not paid in full by the end of promotion. This is what has happened now ; XXXX Since XX/XX/XXXX, I have been paying about {$200.00} ( above minimum payment ) each month totaling {$3400.00}. 
XXXX They charged my account in XX/XX/XXXX, for {$3100.00} that turned out to be the interest of the balance backdated for the entire year. 
XXXX When I asked them why they never warned me that after the promotion ends, the entire interest since the purchase date would be applied to the account at once they referred me to the second page of my statement. Again, they did not tell me this when opening the account at the store. I even tried finding this information but the second page of my statement attached below talks about a 6 months promotion not XXXX XXXX XXXX XXXX XXXX  so you would think that is not applicable to my case. 
XXXX No email no phone call no letter for warning me of approaching the end of promotion. They apparently were waiting for me to miss the date. I was under the impression that it was a XXXX promotion. 
XXXX After they applied the charge to my account, the balance went above the max credit and now it has affected my credit score.

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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FC HoldCo LLC
State: OK

Complaint narrative:
I submitted a dispute to XXXX  regarding an inaccurate account reported by XXXX XXXX. The dispute has been marked as completed but the results say Unknown and no determination was made. I was not provided a resolution or update within the 30-day window required by law, and the item remains on my report with no explanation. I am requesting a proper investigation and removal of this account if it can not be verified.

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 2025-07-19 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: TX

Complaint narrative:
Dear Experian I am a victim of identity theft and unauthorized activity related to a data breach. Pursuant to the Fair Credit Reporting Act 15 U.S. Code 1681c-2 ( Section 605B ), I request that you immediately block and delete the fraudulent account in my name. I also request that you cease any reporting of these accounts to credit bureaus Equifax, Experian and TransUnion. To support this request, I have included the following documents : XXXX. A copy of my government-issued ID. XXXX. An Identity Theft Report from the FTC. XXXX. Proof of address Account Name XXXX Account Number : XXXX Please confirm the account name, account number has been blocked and deleted within XXXX ( XXXX ) business days, as fraudulent activity violates my rights under FCRA Section 605B. If additional information is required, contact me promptly.

Thank you for your attention to this matter. 
Sincerely, XXXX XXXX XXXX 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 2025-07-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
This creditor engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. If finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED BANKSHARES, INC.
State: WV

Complaint narrative:
I ordered my daughter a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I never received the order. I filed complaint with my XXXX Bank about this being fake company and I never getting my product. It took weeks. I sent the bank documents stating how I didn't get my product at all. I sent attempted emails from company. I'm not sure why my bank is believing this fake company over me. They took the money back out of my account for a fraud company for {$44.00} for a product I never even got for my daughter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-19 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
Today I received an email that looked legit regarding a payment for my data being breached by Equifax in XXXX. The email indicates that I was being paid additional money due to the hack. The email asked me to provide my personal information and register from an account. When I received another email from them I scrolled all the way to the bottom and noticed the email was some kind of scam company. I immediately sent them an email asking them to deactivate the debit card.

Company response to consumer: Closed with explanation