vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-05-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
Subject : Formal Complaint regarding Regulation E Violation Unauthorized Reversal and Double Debit of Funds Incident Date : Thursday, XX/XX/year> Account Numbers involved : e-account ( ending in XXXX ) and Savings ( ending in XXXX ) Disputed Amount : {$320.00} ( Original transfer )/ {$320.00} ( Negative balance )/ {$320.00} ( Savings deduction ) Description of the Issue : On Thursday, XX/XX/year>, I received a transfer of {$320.00} from my daughter via XXXX XXXX into my e-account ( ending in XXXX ). The funds were explicitly shown as available, and I successfully transferred them the same day to my savings account ( ending in XXXX ). The banks systems would not have authorized these transactions if the funds were not fully cleared and available at that time. However, on the following day, the bank reversed the transaction without a valid explanation. This action resulted in a double loss of liquidity : 1. My e-account now reflects a negative balance of approximately - {$320.00}. 2. My savings account shows a simultaneous deduction of {$320.00}. Effectively, the bank has removed the funds from both accounts, leaving me with no access to the money and a total account discrepancy that exceeds the original transfer amount. Legal Basis for Complaint ( Regulation E ) : This situation constitutes a clear error in the handling of electronic fund transfers under 12 CFR 1005.11 ( Regulation E ). The bank failed to provide proper notice or a transparent justification for reversing a cleared electronic transfer. Furthermore, per 12 CFR 1005.11 ( c ), if the banks investigation into this error exceeds ten ( 10 ) business days, I am legally entitled to a provisional credit for the amount of the error while the investigation concludes. Financial Harm and Impact : The banks actions are causing immediate and ongoing financial damage. I have multiple scheduled obligations that rely on these funds, including : * XXXX XXXX XXXX ( Auto Loan ) : {$510.00} * XXXX XXXX ( Two payments ) : {$220.00} total XXXX XXXX XXXX XXXX installment payments * XXXX XXXX XXXX Health plan ) and XXXX XXXX membership Due to this unjustified reversal, I am now facing the risk of returned payments, Non-Sufficient Funds ( NSF ) fees, late penalties, and damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: McNeil & Meyers Asset Management Group, LLC
State: CA

Complaint narrative:
Account number XXXX MCNEIL & MEYERS XXXX Balance updated XXXX XXXX, XXXX {$200.00} Balance {$200.00} Original balance Original creditor XXXX XXXX XXXX Date opened XX/XX/year> XXXX mos Payment history Collection account. {$200.00} past due as of XXXX XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MS

Complaint narrative:
Sorry, I just hade a letter mailed to my home address. In so I was checking out what they was telling me on that letter in went from there trying to just borrow the money. I was gone pay back on it ever month as was told to me when I gave them all my information. But didn't get the loan on that. What they call that I just hate my information is out there with this in left me thinking something might happen to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
Subject : Improper denial of FHA loan modification after successful trial payments Complaint : This complaint concerns an FHA-insured mortgage serviced by Carrington Mortgage Services . The borrowers experienced financial hardship due to COVID-19 income loss and previously completed a loan modification in XXXX. In XX/XX/XXXX, they applied again for mortgage assistance and were approved for a 3-month trial payment plan. All trial payments were made in good faith. The final payment was submitted but was received two days late due to the due date falling on a Saturday, creating a processing timing issue. Carrington Mortgage Services refused to accept the final payment and instead instructed the borrowers to reapply for mortgage assistance. Upon reapplication, the borrowers were denied all loss mitigation options. The borrowers substantially complied with the trial payment plan, and the minor delay was due to a weekend processing issuenot an inability or refusal to pay. This property is the borrowers primary residence and also the location of their small business, which is their primary source of income. We are requesting : 1. A full review of this account by Carringtons executive resolution team 2. Reinstatement of the loan modification based on substantial compliance 3. Explanation of why the final trial payment was rejected 4. Documentation showing compliance with FHA/HUD loss mitigation servicing requirements We believe the handling of this account may violate FHA servicing guidelines and RESPA requirements regarding loss mitigation procedures. We request urgent review due to risk of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
My personal information was exposed in the TransUnion data breach, and as a result, fraudulent accounts were placed on my credit report. I have already provided proof of my identity and documentation confirming these accounts are not mine. This has been extremely stressful and has affected multiple areas of my life. I am asking for these unauthorized items to be removed so my credit report reflects accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One offered me a secured credit card requiring a {$50.00} deposit for a {$200.00} credit line. I paid the deposit and received confirmation and the physical card. When I attempted to activate the card, the account was immediately closed without explanation. Customer service claims the account was closed before activation, which is impossible because it did not exist prior to issuance. Capital One is now holding my {$50.00} deposit for 6090 days while providing no service. They made a credit offer contingent on getting my money first confirmed receiving the money and activating my account now they refuse to provide the credit offered and are telling me they can wait upto 90 days to give me my money back. A time period where they can collect interest on and although on XXXX $ that is not a big deal if this is a company policy effecting millions of people that could be many XXXX $ charges monthly over countless years and thus predatory lending and a purposely fraudulent offer. They new I was desperate offered me something too good to pass up then refused to do what they offered and are enriching themselves while playing games of " personal delays? ". Meanwhile I live on social security XXXX and had already budgeted for the XXXX $ being gone, i literally had a kind soul BUY me dinner the day before, and had already made plans to spend at least the XXXX $ the next day is not much of the XXXX $ on groceries. Now I am XXXX $ poorer than I began Potentially waiting upto 90 days. Unable to pay my bills due to their games and am going to have multiple payments in the coming weeks fail to process possibly incurring yet more fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: JPMORGAN CHASE & CO.
State: AA

Complaint narrative:
I sold my home in XXXX VA, and closed with my lender, Chase Bank, on XXXX the XXXX. I was notified that an escrow overage check was being issued and I asked that they not send that check as I was living and working in XXXX XXXX and as the war rages on, mail delivery is not happening. One of my many emails to Chase bank is below. This contains many of the needed details. I am writing to formally express my extreme dissatisfaction regarding the unresolved status of my escrow refund, totaling {$2300.00}, associated with reference number XXXX. As a long-term Chase customer, I maintained a perfect payment history over many years, fulfilling my contractual obligations without fail. Following the sale of my home, I expected a reciprocal level of professional conduct regarding the return of my overage funds. Instead, I have encountered an inexplicable level of administrative incompetence. It is profoundly difficult to reconcile Chase Bank 's reputation as a leading financial institution with its apparent inability to execute a standard ACH deposit into my XXXX XXXX account. I have already provided my routing and account numbers to your representative, XXXX, for the express purpose of " expediting '' this transaction. Furthermore, I was explicitly instructed to contact XXXX today, Thursday, XX/XX/XXXX, at XXXXXXXX XXXX XXXX to finalize this matter. Despite following these instructions precisely, I have been unable to reach him and have been relegated to voicemail on multiple occasions. This lack of responsiveness is entirely unacceptable. I have been more than patient throughout this ordeal. I am now demanding a clear, documented path forward regarding the immediate deposit of my funds. I expect a formal response to this email within the business day confirming that the transfer has been initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
Product : Vehicle loan or lease Issue : Problem with payments/ Billing dispute Sub-issue : Incorrect information on account / Payment posting, reversal, and autopay disruption Company : Santander Consumer USA Account ending in : XXXX Complaint : I am submitting a formal complaint regarding a billing and account status dispute that Santander Consumer USA has failed to properly investigate and address. On or about XX/XX/XXXX, a payment in the amount of {$8100.00} was posted to my auto loan account from an unknown and unexplained source. After this posting, I was informed that my next payment would not be due until XX/XX/XXXX, and I continued making payments as directed. On or about XX/XX/XXXX, Santander reversed the {$8100.00} payment. Following this reversal, I was informed that my account was now past due by multiple months. This reversal materially changed my account status and created an alleged delinquency that was not caused by my actions. Additionally, I had established automatic monthly payments ( autopay ) at the beginning of my loan in early XXXX. At no time did I authorize the cancellation or suspension of autopay. I have not signed, requested, or consented to stopping these automatic payments. I am requesting that Santander explain : - The exact date autopay was stopped - Whether the stop was system-generated or manually initiated - The reason autopay was discontinued - Why autopay was not reinstated after the reversal of the {$8100.00} payment - Whether any notice was provided to me regarding the suspension of autopay The unexplained suspension of autopay appears to have directly contributed to the alleged delinquency. If XXXX system actions caused payments to stop, then any resulting past-due status is inaccurate and should not be attributed to me. I sent a formal written dispute via certified mail, which was delivered and signed for on XX/XX/XXXX. Despite this, Santander has not provided a substantive response addressing these issues. Instead, I have continued to receive collection-related communications, including payment demands. Additionally, Santander processed my correspondence as a cease and desist request, which was not my intent. This has limited normal communication and may impede proper resolution of my dispute. I am requesting that Santander Consumer USA : 1. Conduct a full investigation into the {$8100.00} payment, including its source, authorization, and the basis for its reversal 2. Provide a complete account history and internal notes related to this transaction and autopay status 3. Provide documentation explaining the suspension of autopay and any related system or manual actions 4. Correct any inaccurate delinquency or negative reporting resulting from these issues 5. Restore my account to the correct status based on accurate information 6. Resume appropriate communication for the purpose of resolving this dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
Delete this account because you can not furnish any documentation that would verify ownership. Please provide documentation that the following account belongs on my credit report and that my rights have not been violated. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Had trouble with my refund, had trouble getting my benefits. Couldnt pay my bills, in two complaints I didnt receive my refund back .Asked for help from Chime sent in information, and didnt receive money back.Couldnt use my card in store

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
Good afternoon. My name is XXXX XXXX. Account # This complaint coversbtwo subjects that may be linked Navy Federal account XXXX Part XXXX I can not reset my online account. Because I I am locked out and can not review balances. This has been reported to their security dept the CEO And COO without response for roughly 1 month I want to review my account name as XXXX and obtain a temp password.pay ny credit card ( also blocked As Of now am seperated from my account details and XXXX $ + dollars Part XXXX In XXXX of XXXX my account was suspended with no reason given and just a reference to having to mail a letter to you headquarters. In their secured chat I explained I was as XXXX victim an d could not properly write a letter. All I would get back was a statement about a statement that a letter had been sent to my home describing the issue and what could be done to cure the suspension. No other method was given. I informed them that was a hone address mot my mailing address the bank had a record of that and I had received of several debit cards and a couple of credit cards to this mailing address and pin numbers here and ask for the letter to be sent where I could read it and respond they only replied with a standard reply that a letter was sent etc. I asked a close friend to check my mail. As of yesterday no letter wasreceived at either address. I have spoken to the NCUA who directed me the CFPB who told me your reason of unacceptable behavior while ignoring my request for prof If this is your reason first I want to apologize sincerely. In my defence need to refer back to my XXXX and an effect it caused that when I am emotion I could involuntary laugh or raise my voice. This is according yo XXXX and XXXX XXXX. I apologize again and will make a sincere effort to control it in the future. All my conversation woth Navy Federal staff have been polite and successful. I have to add the supervisor involved was aggressive and rude before I even spoke. For almost XXXX months my mone I have been unable to be accessed credit or debit card $ savings issues with no responce or proff or disclosures What I am asking for is a revue of the suspension and a return to being able to use my account. There is likely sever other XXXX customer or seniors or members thar have faced a similar problem that have given up or unable to proceed. I suggest members being made aware of of an individual an advocate for customer issues would be advised Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: SC

Complaint narrative:
Remove this account from my credit report because the original creditor sold my account to a collection agency without properly notifying me and it's clearly violating my rights. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Optio Solutions, LLC
State: TX

Complaint narrative:
} I am filing a complaint regarding an unresolved billing dispute related to my move-out charges from XXXX XXXX XXXX ( managed by XXXX XXXX ). On XX/XX/year>, I submitted a detailed written dispute identifying multiple inaccuracies in the final account statement, including incorrect rent proration, invalid charges, and unsupported damage fees. Management acknowledged my dispute on XX/XX/year>, and stated that the account would be reviewed. However, I never received a corrected accounting, supporting documentation, or any resolution. Despite this, the account was subsequently sent to a third-party collection agency ( Qualia Collection Services ) without resolving the disputed issues. Sending a disputed and unverified account to collections without completing a proper investigation is not appropriate and has caused ongoing harm and confusion. I am requesting : - A full and documented review of the disputed charges - A corrected and fully itemized final account statement - Immediate recall of the account from collections if the charges can not be substantiated - Confirmation that no inaccurate information is being reported to credit bureaus I made a good-faith effort to resolve this directly, but the matter was never addressed before escalation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-05-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ResidentCollect, Inc.
State: TX

Complaint narrative:
CFPB Complaint ID : XXXX Consumer Response to Company 's Non-Response I am submitting this formal response regarding the company 's failure to respond to my complaint within the required timeframe. The company has not provided a complete or compliant response, and the debt remains formally disputed in its entirety. To date, no proper validation has been provided as required under federal law. The issues remain unresolved for the following reasons : The company failed to provide a complete and itemized accounting of the alleged balance, including a full and accurate payment history. The ledger provided is incomplete and does not account for rental payments made by third-party assistance programs, including federal and state government agencies and affiliated housing and medical assistance programs The company has acknowledged that its ledger does not reflect all additional fees, confirming that the balance being reported is not transparent or fully supported The lease documentation relied upon is inaccurate and does not reflect the applicable lease period. The document provided is dated 2022 and does not correspond with the renewal lease governing the disputed timeframe The documentation raises credibility concerns regarding property management authority and timelines. Charges for damages and repairs are being assessed despite those issues being reported during tenancy as maintenance issues. These reports were documented through text communications and reported to local housing/code enforcement authorities. Records exist confirming that these repair issues were not addressed. No invoices, receipts, photographs, or verifiable documentation have been provided to support the alleged damage charges. The unit was re-rented after vacancy, and mitigation of damages has not been properly accounted for in the balance The account has been misrepresented, including being characterized as a " skip '' and tied to eviction implications, despite the eviction case being dismissed. A dismissal without prejudice does not validate or justify an inaccurate or unsupported balance Certified mail sent to the company was returned, raising concerns regarding the company 's ability or willingness to receive and respond to legally required dispute communications I have documentation supporting these disputes, including records of third-party payments, housing/code enforcement reports, and communications regarding unresolved repair issues Due to the company 's failure to respond and failure to validate the debt, I request that this complaint be marked accordingly and that the company be held accountable for non-compliance I will be pursuing further action to protect my rights, including formal complaints and legal remedies if this matter is not corrected. Submitted by : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation