vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: TX

Complaint narrative:
After the federal student loan payment pause ended, MOHELA resumed billing on my two XXXX XXXX loans ( total balance approximately {$810.00} ). I was not adequately notified that payments were due, and MOHELA reported 7 months of delinquencies to credit bureaus, severely damaging my previously excellent credit score. A review of my complete email history confirms that MOHELA never sent me a single email notification about missed payments, approaching delinquency, or any account alerts during the entire 7-month delinquency period ( XX/XX/XXXX through XX/XX/XXXX ). The only emails I ever received from MOHELA were payment confirmations sent on XX/XX/XXXX the day I discovered the problem and paid. Prior communications came only from the U.S. Department of Education, with the last relevant email dated XX/XX/XXXX, regarding the end of student loan protections. After that complete silence from both MOHELA and the Department of Education for over a year while my account fell deeper into delinquency. The only contact attempts MOHELA made were phone calls from an unlabeled toll-free number ( XXXX ) with no caller ID identifying MOHELA or student loan servicing. As someone who screens calls to filter high volumes of spam, these calls were indistinguishable from junk. I received no physical mail alerting me to the delinquency. I only discovered the missed payments when I reviewed my credit report. Upon discovering this, I immediately paid my entire loan balance in full on XX/XX/XXXX two payments totaling {$820.00}. My MOHELA account now has a XXXX balance. The loans are fully paid off. This experience is consistent with MOHELA 's documented pattern of inadequate borrower communication during the post-pandemic transition. A U.S. Senate investigation found that MOHELA contributed to nearly 2 million credit reporting errors and sent late or inaccurate billing statements that caused approximately 800,000 borrowers to become delinquent. My email records confirm I am one of those borrowers MOHELA reported me as delinquent for 7 months without ever sending an email notification.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: OneMain Finance Corporation
State: PA

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding deceptive, misleading, and predatory lending practices by OneMain Financial, specifically at their XXXX XXXX branch in XXXX, Pennsylvania. Loan Information OneMain Account Number : XXXX Loan Date : XX/XX/XXXX Loan Amount : Approximately {$20000.00} Current Balance : {$16000.00} Status : Included in my XXXX Nature of the Complaint I visited OneMain Financial seeking a small personal loan for furniture. Instead, the representative refinanced my vehiclea XXXX XXXXXXXX XXXXwithout clearly explaining the transaction or its consequences. I was not informed that my vehicle was being used as collateral, that I was entering a refinance, that the loan amount would be far above the cars value, or that I was losing the equity in my nearlypaidoff vehicle. The signing process was rushed, unclear, and misleading. Impact This deceptive refinancing caused : Loss of vehicle equity A loan balance far exceeding the cars value Financial hardship Contribution to my bankruptcy filing Request I respectfully request that the CFPB : Review my complaint Investigate the conduct of the OneMain Financial branch involved Include my case in any enforcement actions or restitution efforts I can provide all supporting documents upon request. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: Atlanticus Services Corporation
State: NY

Complaint narrative:
To Whom It May Concern, I am filing a formal complaint regarding inaccurate debt reporting, missing payments, and improper credit reporting related to my account originally financed through XXXX XXXX XXXX and serviced by XXXX XXXX. The original purchase amount was approximately {$1300.00}. I made multiple payments totaling approximately {$600.00} {$700.00}. However, my most recent statement reflects only a {$100.00} payment applied, with a remaining balance of {$790.00}. I was later contacted by XXXX, which is now attempting to collect the full original amount of {$1300.00}, completely disregarding the payments I have already made. This incorrect balance has also been reported to the credit bureaus, negatively impacting my credit. Additionally, when I contacted the original account servicer, I was informed that the account had been transferred and that they are no longer able to access or verify prior payment history or balances. This raises serious concerns, including : Missing or misapplied payments Incomplete or inaccurate account transfer records Inability to validate the debt being collected False and damaging credit reporting I want to make it clear that I am not refusing to pay this debt. I am willing to resolve and close this account ; however, I will only pay a balance that is accurate and reflects the payments I have already made. Therefore, I am requesting : A complete and verified payment history Accurate recalculation of the current balance Documentation of the account transfer to Fortiva Immediate correction or removal of inaccurate credit reporting I am prepared to provide proof of payments. Until this matter is properly investigated and corrected, this debt remains formally disputed. thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: VA

Complaint narrative:
I am disputing this account as inaccurate and request full validation, including the original signed agreement and complete payment history. If you can not verify this debt, you must delete it from all credit reporting agencies. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 1006.34, I am entitled to receive verification of the debt you claim I owe. I dispute the validity of this debt and, as such, I am exercising my rights under the FDCPA to seek verification. Please provide the following information within the next 30 days : 1. The amount of the debt claimed. 2. The name of the original creditor. 3. A copy of the agreement, contract, or other instrument that created the debt. 4. Verification that you are licensed to collect debts in.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
TRANSUNION PLEASE TAKE NOTICE : 15 USC 1681i Procedure in case of disputed accuracy. I am promised accuracy on my consumer credit report based on the federal law. On XX/XX/XXXX I sent a DISPUTE LETTER FOR ACCURACY AND DELETIONS. Your company removed some of them and now they are appearing again which is unlawful. All errors must be promptly removed. I am requesting these errors be corrected within 15 days. If corrections are not made I will file a formal complaint with the CFPB Consumer Financial Protection Bureau and {$1000.00} per complaint may be imposed if correction are not made. REMOVE THESE ACCOUNTS : * CHARGE-OFF, * * SOLD/CHARGE-OFF, CLOSED ACCOUNTS * XXXX XXXX - CHARGE-OFF CLOSED XX/XX/XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX - CHARGE-OFF CLOSED XX/XX/XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX updated XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX CHARGE-OFF XX/XX/XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX - XXXX CLOSED XX/XX/XXXX updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD/CHARGE-OFF CLOSED XX/XX/XXXX updated XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD/CHARGE-OFF CLOSED XX/XX/XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD/CHARGE-OFF CLOSED XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SOLD/CHARGE-OFF CLOSED updated XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Avant Holding Company, Inc.
State: TX

Complaint narrative:
I received my Avant statement ( # XXXX ) for XX/XX/2025, that stated my account due balance was {$380.00} due XX/XX/XXXX. On XX/XX/XXXX paid off the balance of {$380.00} that brought my balance to zero balance. Was surprised when i received my XX/XX/XXXX statement that stated my balance was {$4.00} for interest charged. I did not make any transaction on my account in XX/XX/2025 in-fact last transaction on my account was made on XX/XX/2025, no transaction made in XXXX and XXXX even till today as am filing this complaint. No transaction made for almost XXXX months, and balance paid off 15days prior to next statement that generates on XXXX. How can Avant generate interest from XXXX balance paid off 15days before closing cycle of the next billing. I tried to understand and got no explanation how {$4.00} was generated from which balance. I want to charge of total {$8.00} balance was told late fee was added to be removed from my account. This is fraudulent to charge interest on a zero-balance account paid off 15days prior to next billing. My credit report went down also Avant reduced my credit limit which also affected my credit score. I am getting an email threatening me that my account will be closed and charge off which will further destroy my credit report. I tried several times to resolve this disturbing issue even spoke with XXXX payment specialist today no solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Healthcare Finance Direct LLC.
State: TX

Complaint narrative:
Complaint Against HFD XXXX XXXX XXXX XXXX XXXX Attempt to Collect on Invalid Debt I am submitting this complaint regarding an attempt to collect on an invalid debt related to services purchased from XXXX XXXX XXXX XXXX On XX/XX/XXXX, I purchased ultherapy services from XXXX XXXX in the amount of {$430.00}. I paid the remaining balance of {$430.00} on XX/XX/XXXX, for a total of {$870.00}. At the time of purchase, I was informed that these services would not expire. I scheduled an appointment in XX/XX/XXXX but had to cancel. When I attempted to reschedule in XX/XX/XXXX, I discovered that the location where I originally purchased the services had closed. I made multiple attempts to contact XXXX XXXX but was unable to reach anyone, and it appeared the business was no longer operating or accessible. Because I could not receive the services I paid for and had no way to contact the business, I filed a dispute with my credit card company, XXXX XXXX. After review, XXXX XXXX refunded the full amount of {$870.00}. Despite this, I have now received a collection notice from HFD, acting on behalf of XXXX XXXX XXXX XXXX, attempting to collect this same amount. The letter provides no meaningful contact information, making it difficult to resolve the matter directly. This debt is invalid for the following reasons : -Services were never rendered. -The provider location closed and was unreachable. -A full refund was issued by XXXX XXXX after a legitimate dispute. I believe this is an improper and potentially unlawful attempt to collect on a debt for services that were never provided. Thank you for your attention to this matter. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Ive been an victim of identity theft for quite some time, and after sending in all the documentation that was requested by Equifax on the XXXX of XX/XX/year> only 2 of the 3 accounts were removed after being told they would be removed and blocked. Today XX/XX/XXXX I have called and told them what was said to me but yet they dont want to work with me and remove the fraudulent accounts from my report. The last supervisor made it clear that these accounts do you look fraud and would be removed with in 4 business days. I dont know why they keep lying to me one person says this the other says that

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: MT

Complaint narrative:
XX/XX/XXXX of last year I applied for a business credit card from Chase XXXX Bank. It was for a XXXX XXXX XXXX card. The credit card had a promotional offer to spend {$6000.00} within the first 90 days and I would receive either XXXX reward points or a {$900.00} statement credit. When submitting the initial application they kept requesting documentation that I'd already provided. In some frustration. I went down to the local branch of Chase XXXX, here in XXXX, and a representative there assisted me in submitting the requested documentation that I had brought with me. As she was unable to access the original application or reach anyone at Chase XXXX who was familiar with my application, we submitted another with all of the requested documentation, and a second credit inquiry was made to my credit report. That representative said she would check back with me after the weekend. She never did, and my follow-up phones calls to her were not answered. I thought I would just be patient but after no correspondence from either Chase representatives, emails or texts, I called customer service again the first week in XX/XX/XXXX. Once again, they were asking for documentation in regard to my physical address and that of my company, XXXX XXXX XXXX, being XXXX and the same. I submitted this again to the email link that customer support representative provided. I recieved another email confirming receipt of that documentation and I should recieve notification of approval and account opening within days. I didn't, so I called again and was told I'd been approved, account now open, and to expect credit card next day. At that time I questioned the customer support rep about the promotional offer and was told that it would start from that tome forward and I would have until mid XXXX to meet the criteria. I did not recieve the card the next day, so I called again and was told they'd send another, which I did get, and then another a couple of days later I began making purchases after activating my card on XX/XX/XXXX. Last week I messaged customer support thru the Chase mobile app to inquire about the promotional and had I met the criteria. They responded saying I had to spend an additional {$410.00}, by XX/XX/XXXX to qualify. That was received on XX/XX/XXXX?!!? I replied, stating what I have stated here, and that I did not receive XXXX card until mid XXXX, and was told that I was given misinformation and that my account was opened XXXX, XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CHARLES SCHWAB CORPORATION, THE
State: IL

Complaint narrative:
I am filing a complaint against XXXX XXXX regarding an account freeze and restricted access to my funds. My account was locked immediately after receiving a legitimate XXXX payment from my employer. I have already gone in person to verify my identity and provided my Social Security card, identification, birth certificate, and bank statements. Despite fully verifying my identity, my account remains restricted and I have not been given a clear explanation, resolution timeline, or specific reason for the continued hold. This situation is causing financial hardship as I am unable to access my money. I am requesting that XXXX XXXX either immediately release my funds or provide a clear, documented reason for the continued restriction along with a defined resolution timeline. I have made multiple attempts to resolve this directly with the bank without success. I am requesting immediate assistance in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I brought a car from XXXX and bridgecrest in 2024 they sent me the title to the car then repossessed my car

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I am unable to access my tax forms for XXXX. Their website does not accept my login credentials. I tried to use the chat feature on the website, but it just goes to a virtual agent that can not help. When I try to chat with a live agent it just says that the demand is high and try again later. When I call the support number, it also uses a virtual agent that only gives you a few options, none of which apply to my issue, and none of which let you speak to a real person. If you don't choose of of the listed options, it just hangs up on you. There is no means that I can find of contacting a live person to resolve my issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: Bread Financial Holdings, Inc.
State: ND

Complaint narrative:
I opened a credit account through XXXX XXXX XXXXor a purchase of {$2100.00}. I was placed on a promotional financing plan that was not clearly explained as deferred interest. To date, I have made XXXX payments totaling {$870.00}. However, my current balance remains {$2200.00}, which exceeds the original purchase price. This indicates that over {$900.00} in additional charges have been added, including retroactive interest and fees that were not clearly disclosed to me at the time of purchase. I was not properly informed that failure to pay the full balance within the promotional period would result in all interest being added from the original purchase date. This lack of transparency is misleading and unfair. I contacted the company directly, and they refused to provide any adjustment or resolution. I am requesting a full review of my account, a detailed breakdown of all charges, and consideration for reduction or removal of the retroactive interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR

Complaint narrative:
I am filing this complaint against Bank of America regarding mishandling and disappearance of my funds totaling {$1000.00}, along with a lack of transparency and resolution over a period of more than XXXX months. Background and Timeline : On XX/XX/XXXX, I transferred {$1000.00} from my XXXX XXXX account to my Bank of America account. On XX/XX/XXXX, I received a letter from Bank of America stating that the funds were placed on hold due to being flagged as an unauthorized transaction, allegedly reported by XXXX XXXX. I immediately contacted XXXX XXXX, and they explicitly denied initiating or reporting any such unauthorized transaction. Despite this clarification, Bank of America continued to hold my funds without providing clear justification or resolution. On XX/XX/XXXX, Bank of America sent me a letter stating that the funds had been removed from my account and returned to XXXX XXXX. However, upon contacting XXXX XXXX again, they confirmed in writing ( letter dated XX/XX/XXXX ) that they have not received any returned funds from Bank of America. Current Issue : As of today, my {$1000.00} is unaccounted for. Bank of America claims the funds were returned, while XXXX XXXX confirms they have not received them. This has resulted in a complete lack of traceability and accountability for my money. Additionally : Bank of America has failed to provide any transaction trace, confirmation number, or proof of return. Their customer service representatives have been unable to explain the whereabouts of the funds. I have spent significant time and effort attempting to resolve this issue with no success. Impact : This situation has caused financial inconvenience, stress, and a loss of trust. It is unacceptable for a financial institution to hold and then lose track of customer funds without providing proper documentation or 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