vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Credit acceptance, my car loan company has called me 8 times within 3 days. 4 times alone today. As far as what Im seeing, this is considered harassment. I answered the 8th phone call, told them when I would pay them, told them to stop harassing me and hung up.

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 2025-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Loan sold or transferred to another company
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
On XX/XX/XXXX I closed on my home, the first payment was due XXXX XXXX. 
I was informed XX/XX/year> that my mortgage would be transferred from PHH mortgage to XXXX XXXX. I called in to PHH and asked about payments and whether I should pre pay my account. I was informed by the representative that if I paid before XX/XX/XXXX my account would be transferred as paid. So I made the payment on XX/XX/XXXX. ACH withdrawal cleared. Posted to account and balance decreased. 

On XX/XX/year> my account returned to its original balance and my payment as labeled reversal miss applied funds. I called PHH mortgage again and was informed it was being forwarded by a very rude representative who just wanted me off the phone. 
On XX/XX/XXXX I received a bill in my email from XXXX XXXX stating my XX/XX/XXXX payment was due and the balance was the original amount. I immediately called them and they ( XXXX XXXX ) informed me that it may take up to 60 days and it is a check by mail. 
I then called PHH Multiple times and finally reached a representative, after explaining the situation I was told my payment had been reversed ( it had not been sent back to me ) I told them I was informed that that meant being forwarded. She then told me that she can see now it is being forwarded, I asked for a date that it would be sent and she put me on hold. After the hold she informed me I would have to email them about this matter, I stopped her and asked why? She told me now she cant confirm whether or not this was being paid even though she told me it was before the hold. She then talked over me and attempted to keep repeat the line I have to email them proof- I told her she has to make up her mind what the truth is as she told me it was being forwarded and now she cant tell me. 

The call was then escalated to which I had to repeat this situation again. The man I spoke to verified they have the money and it would be sent out within 5-10 days and he would update me. I told him I expect this to be resolved quickly as this money was not a donation. 
I also sent screen shots of my payment, payment received and credit as well as the ACH withdrawal from my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AZ

Complaint narrative:
I am filing a complaint due to unfair and deceptive practices on a personal loan taken in XX/XX/year>. I was in an XXXX XXXX and needed a loan to move out of the home and was given until XXXX to do so. In the last XXXX months, I have not only made monthly payments diligently, I have made overpayments in order to pay off loan completely. I read the contract for the first time today and not only see the initial loan of {$9800.00} has a 30 % APR, but the interest rate is {$8900.00}... essentially doubling the loan to almost {$19000.00}. I called to ask about a re-fi and was told a Manager " XXXX '' would reach out to discuss with me. " XXXX '' contacted me and told me the only way to " lower '' monthly payments was to take AN ADDITIONAL loan out and add to the original loan... or see " IF '' I qualify for a refi with collateral ( car ) that would probably not lower the rate by much, but those were the only options I had due to the loan being unsecured. I asked " XXXX '' if he could take a look at my account and besides not having collateral to put up, why was I given a 30 % APR with a XXXX score and in his experience he has mostly seen 26-30 % on average. I asked that he send me payoff info as well as a copy of our conversation or instructions on the refi process, to which he said he could only send me pay off ( which changes daily ), but he would not send me any details on the process to refi. I looked the company up further and turns out they have had regulatory action on shady business practices and ordered to pay {$20.00} XXXX in redress and penalties for deception.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Paramount GR Holdings, LLC
State: IL

Complaint narrative:
Status of solar installation ( not installed, installed but not energized, installed and functioning, etc. ) if applicable : installed but not energized Please provide a detailed description of your ongoing questions or concerns : XXXX XXXX XXXX is a XXXXspeaking individual. He explains that there are several unresolved issues with XXXX XXXX XXXX. 1. The company overcharged him for the panels. He was told the cost would be around XXXX. It turned out to be $ XXXX for the panels. He was told that he would be purchasing the panels. That was also untrue. The company switched the agreement to a 25-year lease. While installing the solar panels the contractors damaged the roof and did not properly fix the issues. And to make matters worse, the installer never connected his solar system to XXXX grid. 


Three years ago, he was approached by a solar installer by the name XXXX XXXX XXXX. The vendors led him to believe that he was purchasing solar panels. The price of the system was going to be {$47000.00} minus a government stimulus of $ XXXX. He agreed to the purchase. The agents had him sign the contract over the phone and promised to send him paper copies of the terms and conditions. 

It was all a scam, the customer says. He did not get the government stimulus. He was told that the panels would cost $ XXXX minus the stimulus. But the true cost is $ XXXX. The customer was told that he was buying the panels. But the company switched the agreement to a lease contract. 
The customer says that he has been paying {$250.00} a month. The lease is for 25 years. The customer did not agree to this. He was told that he signed the contract over the phone. He was verbally told that the lease did not have any interest rate. This was bait and switch. 
Too add, the installer sent unqualified contractors to install the panels, leaving serious damage to the roof. They drilled holes that caused leaks leading to mold. XXXX XXXX XXXX sent more contractors after the customer complained about the botched panel installation. However, the roof was not properly fixed. He is still experiencing the same issues. Eventually, the solar panels were removed from the roof. The panels were re-installed on the ground. But the company did not connect the account to XXXX grid. The customer is generating energy but is not a net metering customer. 


Although XXXX XXXX XXXX went out of business, he is still responsible for keeping up with the lease, according to the lender. The solar finance company is collecting payment despite all the issues the customer has complained about. The lender seems to be under an umbrella company. He was told that if he stops paying the solar lease, the lender will place a lean on the house. He can not sell the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: UT

Complaint narrative:
U.S. Bank has repeatedly called my mobile phone after I closed all accounts and revoked consent to be contacted months ago. I have previously instructed U.S. Bank to stop calling, including sending a formal written cease-and-desist notice. Despite this, calls have continued from multiple phone numbers, including XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. 

These post-revocation calls constitute ongoing harassment and potential violations of the Telephone Consumer Protection Act ( TCPA ), 47 U.S.C. 227. I request that all calls cease immediately and that U.S. Bank properly address this issue. All further communication must be in writing only.

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 2025-12-30 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NC

Complaint narrative:
National Credit Systems , Inc. is furnishing and reporting an alleged debt related to XXXX XXXX XXXX, account number XXXX, in the amount of {$2800.00}, to XXXX, XXXX, and XXXX. 

This account arose during the XXXX pandemic, at a time when I experienced a complete loss of income due to pandemic-related circumstances. Despite this, National Credit Systems is continuing to report the account without providing proper validation, without ensuring accuracy or completeness, and without conducting a reasonable investigation as required by law. 

I formally dispute the accuracy, completeness, and legal verifiability of this account. The furnisher has failed to demonstrate that the amount is accurate, that the debt is legally owed, or that it is reporting the account in compliance with federal consumer protection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: Continental Finance Company, LLC
State: VA

Complaint narrative:
Product : Credit card Issue : Billing dispute / chargeback denied Company : Continental Finance Company ( Surge  XXXX, issued by Celtic Bank ) Complaint Details I am filing this complaint regarding the improper denial of a billing dispute and reversal of provisional credit for a transaction involving non-receipt of merchandise due to merchant error. 

Account / Card : Surge  XXXX ending in XXXX Dispute Case ID : XXXX Transaction Date : XX/XX/XXXX Merchant : XXXX ( XXXX, MN ) Amount : {$520.00} What happened I disputed the above transaction because I never received the merchandise. XXXX XXXX has admitted in writing that the item was released to the wrong individual during curbside pickup due to store error. 

Despite this written admission, Continental Finance / Surge Card denied my dispute, stating that the charge was authorized and that the merchant completed the service requested. This conclusion is incorrect and unsupported by the evidence. 

Authorization of a charge does not equal fulfillment. The service requested was delivery of merchandise to me, which did not occur.

Why the companys decision is wrong 1. Merchant error is admitted in writing. 
XXXX XXXX has confirmed that : The order was paid in full by me The item was released to the wrong person The release occurred due to store error I did not receive the merchandise 2. Merchant evidence is insufficient.

The merchant provided only an internal system record showing the item as picked up. They did not provide : Proof of cardholder receipt Signature or ID verification Evidence the merchandise was delivered to me A system status does not override an admitted misdelivery.

3. This qualifies as a billing error under federal law.

Under the Fair Credit Billing Act ( 15 U.S.C. 1666 ) and Regulation Z ( 12 C.F.R. 1026.13 ), goods not delivered as agreed constitute a billing error. A cardholder is not financially responsible when non-receipt occurs through merchant error.

4. Internal merchant refund limitations are irrelevant. XXXX XXXX inability to issue a refund internally does not negate my statutory dispute rights or shift liability to the cardholder. 



Harm caused The company has informed me that the provisional credit of {$520.00} will be reversed on XX/XX/XXXX, despite clear evidence of merchant error and non-receipt. This places an unfair financial burden on me and violates consumer dispute protections.

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 2025-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I am filing this complaint due to the credit reporting agency 's failure to comply with the Fair credit Reporting Act.

I disputed inaccurate and unverifiable accounts on my consumer report under 15 U.S.C. & 1681 ( a ) ( 7 ). The bureau either failed to respond or provided a vague response without identifying.

The furnisher contacted The individual who verified the information Whether original documents were reviewed The method is used to verify accuracy

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 2025-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX Account Number : XXXX XX/XX/XXXX Aidvantage Credit Bureau Management XXXX Disputes XXXX XXXX XXXX XXXX XXXX, TX XXXX CC : > XXXX. XXXX XXXX XXXX ( XXXX ) Ombudsman Group and 2. Consumer Financial Protection Bureau ( CFPB ) RE : FORMAL DISPUTE NOTICE OF PREVIOUSLY GRANTED LOAN FORGIVENESS & EVIDENCE OF DATA MANIPULATION To Whom It May Concern, I am writing to formally provide conclusive evidence that my loans were previously discharged/forgiven, as reflected in your own official correspondence.

1. Conflicting Accounting Records ( Exhibits A & C ) I am enclosing two versions of account correspondence that directly contradict one another : Exhibit A : An official notice dated XX/XX/XXXX showing negative balances on all loans. In standard accounting, a negative balance on a debt statement constitutes an admission of a zero-dollar liability and a substantial overpayment. 

Exhibit C : A screenshot of correspondence previously available in my portal showing a positive balance and a {$100.00} payment due. This document has since been deleted from my digital portal history by Aidvantage. 2. Evidence of Systemic Data Manipulation The fact that Exhibit C was visible on XX/XX/XXXX and removed by XXXX XXXXimmediately following my review of the accountdemonstrates a lack of data integrity. Furthermore, previous proof of discharge that I personally uploaded has also been removed from the portal. I am treating this as a reactive attempt to obscure the financial facts of my discharge and overpayment.

3. Formal Demand for Resolution I demand that Aidvantage immediately : Cease all billing and collection activities on these discharged loans. 

Calculate the total refund owed to me based on the negative balances in Exhibit A. * Correct all reporting to the national credit bureaus ( Experian, TransUnion, and Equifax ) to show a {$0.00} balance and " Paid in Full '' status. 



Enclosed Evidence : Exhibit A : Aidvantage Notice dated XX/XX/XXXX showing negative balances. 

Exhibit B : Department of Ed Discharge Notice. Exhibit C : Screenshot of the now-deleted {$100.00} payment n
otice.

Exhibit D : USPS Certified Mail Receipt for this dispute ( to be attached upon mailing ). 

I have filed concurrent complaints with the Consumer Financial Protection Bureau ( CFPB ) and the FSA Ombudsman to ensure federal oversight of this resolution process and the investigation of the deleted records. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX Email : XXXX Phone : XXXX Company : Portfolio Recovery Associates , LLC XXXX XXXX XXXX XXXX, VA XXXX Customer Service Toll Free : XXXX XXXX  ID : XXXX Website : XXXX -- - Complaint to CFPB I am filing a formal complaint against Portfolio Recovery Associates , LLC regarding an account that is being reported on my credit report and repeated harassment calls. 
Date of Contact : XX/XX/year> Issue : Portfolio Recovery Associates claims I owe a debt that I do not recognize. 
Actions Taken : I called Portfolio Recovery Associates today and informed them that the debt is not mine. 
Despite this, I offered to pay {$1500.00} to settle the matter and stop the harassment calls. 
They refused to accept the payment and continue to report this account on my credit report. 
I have no records or knowledge of this debt. 
Portfolio Recovery Associates has not provided any validation or proof that this debt belongs to me. 
I am receiving daily harassment calls, causing stress and frustration.

This account is negatively impacting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 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: EQUIFAX, INC.
State: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 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: RI

Complaint narrative:
I recently reviewed a copy of my Credit report and noticed I had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain 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 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I am filing this complaint against JP Morgan Chase regarding the closure of my checking account and the negative reporting to XXXX XXXX XXXX 

Chase closed my account after I deposited an insurance check issued in my wifes name. My wife and I are legally married, share the same household, and the insurance policy covered my vehicle. My wife endorsed the check with full knowledge and consent. There was no fraud, deception, or unauthorized activity. 

XXXX XXXX XXXX has confirmed in writing that they do not possess any account documentation and that all reported information comes solely from Chase. Despite this, Chase has refused to provide any supporting evidence or documentation explaining the account closure. 

This action has caused serious harm by preventing me from opening bank accounts and accessing services such as XXXX. I acted in good faith and have fully cooperated throughout this process. 

I respectfully request that JP Morgan Chase provide documentation supporting their decision and correct or remove any inaccurate or incomplete reporting furnished to XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I was trying to send a wire for a house purchase and my bank declined to send it. They proceeded to tell me they need to verify the funds even though the funds have been seasoned in the account for 2.5 months. After this they froze my entire account without notifying me. Causing XXXX missed mortgage payments and XXXX missed credit card payments. I have contacted them on the XXXX was told Id receive a call by the XXXX. On the XXXX I called back before close of business they said that its the holidays youll get a call either this afternoon or Friday I did not receive a call either day. Today I called back demanding to be escalated to someone who can help they told me they would call me by the end of the day. Spoiler alert, they did NOT call me by end of the day. They are holding over XXXX of my money refusing to give me a reason or a resolution. I have been unable to pay my mortgage payments, and credit card payments incurring late fees and will soon hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sequium Asset Solutions, LLC
State: TX

Complaint narrative:
Please see this attached document XXXX XXXX XXXX  )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Block, Inc.
State: OK

Complaint narrative:
I was robbed on XX/XX/XXXX and my cash app was on the phone that was stolen they won't get me access to that account after making a new one and I need the money off of there

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: CrossCountry Mortgage LLC
State: WI

Complaint narrative:
I pay Cross Country Mortage escrow payments every month to pay property taxes. I have never missed a payment nor have I ever been late with a payment. For tax year 2024 instead of paying all taxes due by XX/XX/XXXX they only paid one half. Why, because apparently they could. Even though they had the money in escrow. I am 100 % XXXX veteran and my property taxes come back to me in the form of a State tax refund but is based on what is paid in. Because XXXX only paid one half of my taxes in calendar year XXXX I only received one half of what was paid in. XXXX has been directed by me to pay my property taxes in a timely manner, when due. For tax year XXXX approximately one half of my taxes were paid in a pro rated payment. A balance of {$3000.00} is due and XXXX has not paid them. I was told time and time again that they would be paid but when I asked for confirming information they could not provide it and now find that they have not paid my taxes as directed. 
This is inexcusable, unacceptable and XXXX needs to be held accountable, with severe penalties. I will no longer pay them an escrow amount which is going to become an issue. Your quick actions on this is greatly appreciated.

Company response to consumer: Closed with explanation