vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Bank allowed my federal benefits ( SSXXXX and VA XXXX ) to be deposited into a Chase account that I do not own, am not listed on, and never authorized. These deposits were misdirected, and Chase refused to return or correct them even after I notified the bank. The misdirected deposits were : SSXXXX deposited on XX/XX/year> VA XXXX deposited on XX/XX/year> Chase previously returned a misdirected VA payment under the same circumstances, so they are aware of the issue and know the proper procedure. In these two cases, they refused to help, refused to return the funds, and ignored my request to stop the deposit before it posted. I contacted Chase multiple times, as well as SSA, the VA, and my congressional office. The funds have still not been returned or reissued. Chase has not provided any explanation for why they accepted federal benefits into an account that does not belong to the beneficiary. This raises concerns about Chases compliance with federal rules for misdirected federal benefit payments, as well as potential violations of the Electronic Fund Transfer Act and unfair or deceptive practices. I am requesting that CFPB require Chase to : 1. Return the misdirected SSXXXX and VA payments to the originating agencies so they can be reissued to me. 2. Explain why these deposits were accepted into an unauthorized account. 3. Correct their internal procedures to prevent this from happening again.

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 is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
I recently discovered a collection account on my credit report from Resurgent/LVNV Funding for {$240.00} related to XXXX XXXX XXXX XXXX I do not recall receiving proper notification of this debt before it was reported to my credit file. I am requesting full validation of this debt, including proof of ownership, original agreement, and full accounting of the amount. Until proper validation is provided, this account should not be reported. This is negatively impacting my credit and financial standing. I am requesting that this account be investigated and removed if it can not be properly verified in accordance with the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation ofXX/XX/XXXXXXXX CXX/XX/XXXXe XXXX since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( XXXX ) and the Truth in Lending Act ( XX/XX/XXXX ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA

Complaint narrative:
This letter serves as a formal, aggressive dispute regarding the inaccurate and unverified information you have reported and/or continued to report to one or more credit reporting agencies ( CRAs ) in violation of the Fair Credit Reporting Act ( FCRA ). You are hereby notified that your failure and refusal to provide copies of all documentation, records, and methods used to verify or validate this alleged debt constitutes a direct violation of federal law. Under FCRA 611 [ 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) ], I initiated a dispute with the credit reporting agencies regarding this account and requested a proper investigation be conducted. You, as the furnisher of the disputed information, are obligated to conduct your own investigation under FCRA 1681s-2 ( b ) and to respond to the CRAs with the results of your investigation within 30 days. However, to date, you have refused or failed to provide : A copy of the original signed contract or agreement bearing my signature A complete account history Any documents used to verify the accuracy of the information you furnished The name of the individual or system used in the verification process Your failure to provide such documentation indicates either no such documents exist or you are willfully withholding evidenceboth of which are violations of the FCRA. Furthermore, under FCRA 611 ( a ) ( 5 ) [ 15 U.S.C. 1681i ( a ) ( 5 ) ], if an item is disputed and you can not properly verify it, the credit reporting agencies must delete the item from the consumers credit file. If you verified this debt without providing the information or documents used in that process, then that verification is meaningless and non-compliant with the law. This is a direct violation of FCRA 1681i ( a ) ( 5 ) ( A ), which mandates deletion if the information 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 2026-03-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: TX

Complaint narrative:
An account was opened on XX/XX/XXXX with XXXX XXXX XXXX under my identity without my knowledge or authorization. The account included multiple lines ( approximately five ) that I did not open or use. My personal mobile service was transferred to XXXX on XX/XX/XXXX, and I have documentation confirming this. Despite this, the unauthorized XXXX XXXX XXXX account continued to be used through XX/XX/XXXX. I did not authorize, access, or benefit from this account at any time. The use of my identity for this account constitutes fraud. The account has since been placed into collections by Radius Global Solutions in the amount of approximately {$2900.00}. I have filed an identity theft report with the Federal Trade Commission and submitted disputes with the credit reporting agencies. I am requesting full validation of this account, including the original application, contract, and proof of identity used to open the account. If this information can not be provided, I request that the account be removed from all credit reporting agencies and that all collection activity cease.

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 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
SPOKE WITH XXXX NUMBER XXXX CUSTOMER SERVICE AT SELECT PORTFOLIO SERVICES MY ESCROW REFUND {$360.00} XX/XX/year> WAS NEVER MAILED TO MY ADDRESS

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I am filing this complaint against Halsted Financial Services , LLC for reporting an inaccurate and inflated debt amount in violation of the Fair Debt Collection Practices Act ( FDCPA ). The original loan amount was {$4000.00}. Halsted Financial is reporting {$9000.00} double the original balance without providing any itemized documentation to justify the difference of {$4000.00} in alleged interest or fees. I have sent a formal debt validation letter via certified mail requesting full itemization and documentation. To date, the amount being reported is unsubstantiated and materially inaccurate. I am requesting the CFPB investigate this matter and require Halsted Financial to either validate the full claimed amount with proper documentation or correct the reporting to reflect the accurate balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Asked them to reverse they said it had been too long and could only do minimal

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Paypal accepted a suspicious deposit to my account and will not remove it. I have tried to report this activity as fraudulent but they just keep coming back with error message. I have tried to close the account which they will not do unless I transfer the fraudelent pament. I have removed all my bank accounts from their platform but they will not allow me to remove the remaining credit card information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: ENOVA INTERNATIONAL, INC.
State: OR

Complaint narrative:
XXXX XXXX XXXX PT EMAIL This is a formal complaint notice filed with the Consumer Financial Protection Bureau for violation of records retention requirements. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: SD

Complaint narrative:
CFPB Follow-Up Complaint Misrepresentation and Incomplete Response I am submitting a follow-up complaint regarding my account ending in XXXX and Santanders response to CFPB Case No. XXXX. Santanders response to the CFPB failed to address my primary complaint and contains additional inaccurate statements. First, Santander has repeatedly stated that I agreed to settlement terms during a telephone conversation on XX/XX/year>. This is completely false. I did not have any such conversation, and no agreement was made by phone. Despite this being the central issue in my complaint, Santander did not address or correct this false claim in their CFPB response. Second, in their response to the CFPB, Santander stated that an {$8000.00} settlement was approved as requested. This is also inaccurate. I did not request an {$8000.00} settlement, nor did I agree to any settlement terms. This is another example of misrepresentation regarding my account. Third, Santander did not provide me with the same response they submitted to the CFPB. I only received a settlement letter through their website that included the false claim of a phone agreement and demanded payment within a short timeframe. I was not provided a copy of their CFPB response, which prevented me from fully understanding or responding to their position. Additionally, the settlement terms presented ( {$2000.00} initial payment and {$1500.00} monthly payments ) are not affordable based on my fixed monthly income of {$2000.00} from XXXX. Santanders actions demonstrate : Misrepresentation of account activity ( false phone agreement ) Misrepresentation of my requests ( claiming I requested an {$8000.00} settlement ) Failure to address the actual complaint submitted to CFPB Inconsistent and incomplete communication I am requesting that this matter be reviewed again, and that Santander be required to : Correct the false statement that I agreed to any settlement by phone Provide accurate documentation of any alleged agreement ( if it exists ) Provide all communications sent to the CFPB directly to me Offer revised settlement options in writing that are based on accurate information and are affordable given my financial situation I remain willing to resolve this account, but I will not agree to any terms based on false or misleading information. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: NY

Complaint narrative:
I am pursuing XXXX XXXX XXXX XXXX with XXXX qualifying payments. My monthly IDR payment of {$1200.00} was due XX/XX/year>. Before I could make that payment, MOHELA processed my XXXX recertification on approximately XX/XX/year> and reset my repayment schedule, wiping the XXXX due date. My account now shows {$0.00} due with the next payment due XX/XX/year>. MOHELA 's own account statement dated XX/XX/year> lists {$1200.00} as Amount Past Due, confirming the XXXX obligation existed. MOHELA 's Repayment Schedule Change letter dated XX/XX/year> states amounts due under the prior schedule remain due unless paid or deferred. XXXX still showed {$1200.00} due on XX/XX/year> as of XX/XX/year>. MOHELA then informed me via secure message that my account was placed in XXXX XXXX for XX/XX/year>, ending XX/XX/year>. This forbearance was applied retroactively without my consent to a billing period where a due date had already passed. I was not notified of this forbearance before it was applied and did not request it. I made a payment of {$1200.00} on XX/XX/year>. MOHELA classified it as an overpayment and applied it to the XX/XX/year> due date rather than XXXX. XXXX representatives confirmed they could not apply it to XXXX, could not backdate the payment, and could not place my account in processing forbearance for XXXX. I was transferred to a supervisor line and disconnected. I called back twice more and was disconnected both times when requesting a supervisor. I filed XXXX cases with FSA ( XXXX and XXXX ) and received only automated responses that did not address the specifics of my account. I am at risk of losing a PSLF qualifying month because MOHELA retroactively applied an administrative forbearance to a billing period where the due date had already occurred, then refused to allow me to make a qualifying payment for that month.

Company response to consumer: Untimely response
Consumer complaint received 2026-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: ASSOCIATED BANC-CORP
State: IL

Complaint narrative:
I made my mortgage payment on XX/XX/year>, and have attached proof of that payment. I received notice on XX/XX/year> that the payment had been processed and reasonably relied on that confirmation. I attached proof of these notifications. I did not become aware of any issue until XX/XX/year>, when I reviewed my account on my own as part of my normal end-of-month review and discovered that the payment had not been applied to my account. I had not received any notification indicating that the payment had failed or required further action. Upon discovering the issue, I attempted to immediately make the payment by phone ; however, Associated Bank requires mortgage payments to be made through a restricted pay-by-phone system with limited operating hours. Due to these restrictions, I was unable to complete the payment through their required system that same day. After being unable to complete the payment by phone, I attempted to make the payment online on that same day too ; however, Associated Bank does not provide a standard online system for processing mortgage payments, and I was not given the ability to submit payment electronically. As a result of these limitations, I was prevented from correcting the issue immediately and making payment within the XXXX period, and was forced to make the payment on the next available business day, XX/XX/year>. This reporting is inaccurate and misleading because I made a timely payment on XX/XX/year> and received confirmation that it had been processed. I was not notified of any issue with that payment and reasonably relied on that confirmation. Upon discovering the issue on XX/XX/year>, I attempted to make payment again prior to the end of the billing cycle, which was still within the XXXX period ; however, Associated Banks restricted payment system prevented me from doing so. As a result, I was not given a fair opportunity to cure the issue within that same period despite acting in good faith. Under these circumstances, reporting this account as XXXX days late misrepresents the true payment history and is therefore inaccurate and misleading. I respectfully request that this late payment be removed.

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: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: SC

Complaint narrative:
I disputed a transaction on my account that was incorrectly handled by the company. The dispute was improperly applied to the full transaction instead of the correct partial amount, which caused misallocation of my payments, loss of promotional terms, and ongoing accrual of high-interest charges. The original dispute amount was approximately {$390.00} of a {$5700.00} transaction, but the company incorrectly applied the dispute to the full transaction. I raised this issue multiple times well in advance of my payment due dates and have continued to follow up. Despite this, the company has failed to properly investigate or reconstruct my account to reflect what my balance would be if the dispute had been handled correctly. As a result, my account now shows an inflated balance ( approximately {$14000.00} ) that includes inaccurate interest and charges directly caused by their error. I am being required to make payments on this incorrect balance or risk late fees, interest, and negative credit reporting. The company has acknowledged the account is under active dispute ( case XXXX ), but refuses to confirm that my account will be protected from negative consequences while the investigation is ongoing. They have also advised me to make payments on the disputed balance despite being unable to confirm protections. Additionally, they referenced a CFPB complaint as ongoing, which is inaccurate, as that complaint was already closed. This reflects further misrepresentation of my account status. This situation is causing ongoing financial harm and potential damage to my credit due to the companys failure to properly handle and resolve the dispute.

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 — Problem using a debit or ATM card
Company: FIRST FINANCIAL BANCORP
State: IN

Complaint narrative:
On XX/XX/year>, a {$600.00} transaction was processed from my account through XXXX XXXX ( XXXX, XXXX ). I did not authorize this transaction. On that same day, there was a series of unusual and rapid transactions on my account, including failed and declined attempts, which is not consistent with my normal account activity. At approximately the same time, I also received phone calls, which raises concern that I may have been targeted by a scam or social engineering attempt. I promptly reported the transaction to my bank, First Financial Bank, and filed a dispute. A provisional credit was issued and later reversed after the bank concluded that the transaction was authorized. However, the bank has not provided sufficient evidence to support this determination. Specifically, the bank has not provided documentation showing : The device used to initiate the transaction The IP address or location associated with the transaction The authentication method used to verify authorization The explanation provided was that the transaction was initiated from a device in my possession, but this alone does not demonstrate that the transaction was authorized by me or that proper authentication occurred. Given the pattern of activity, the timing of events, and the lack of detailed investigation findings, I do not believe a reasonable investigation was conducted as required under the Electronic Fund Transfer Act ( Regulation E ). Despite multiple disputes, the bank has denied my claim and is reversing the provisional credit. This matter remains unresolved. I am requesting that the bank provide full documentation of its investigation and reconsider its determination based on the requirements of Regulation E.

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: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I believe Im have been overcharged for years with duplicate over draft fees. And monthly fees

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 monetary relief