vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: OPTUM BANK, INC.
State: AZ

Complaint narrative:
To Whom It May Concern : I am writing to file a formal complaint against Optum Bank, the custodian of my Health Savings Account ( HSA ), regarding monthly fees that were charged to my account without any prior disclosure or notice. This is regarding OPTUM BANK account XXXX name : XXXX XXXX XXXX I opened my HSA with Optum Bank in XXXX, and at no pointeither during account setup or afterwardwas I informed of any monthly maintenance fees. Optum Bank recently stated that a welcome kit containing a fee schedule was mailed to me in XXXX. However, I never received such a welcome kit or any documentation disclosing a monthly fee. Despite having no knowledge of these charges, Optum Bank deducted {$3.00} per month in maintenance fees from my HSA over the period of XX/XX/XXXX through XX/XX/XXXX. These fees were never disclosed, not communicated in advance, and were not authorized with informed consent. Because these charges were improperly assessed without clear disclosure, I am requesting a full reversal and refund of all monthly maintenance fees charged during this period. As the account holder, I relied on Optum Bank to provide accurate and timely disclosures in accordance with regulatory requirements. Their failure to do so constitutes unfair and undisclosed account servicing practices. I respectfully request the CFPBs assistance in reviewing this matter and ensuring that Optum Bank refunds the improperly assessed fees. Thank you for your time and attention. I am prepared to provide any additional documentation needed to support this complaint. I submitted a case to FDIC XXXX on XX/XX/XXXX that i later found out was referred to CFPB as IT'S not under FDIC jurisdiction. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 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: Funding Metrics LLC
State: PA

Complaint narrative:
Funding Metrics took me to court. I settled with their attorney and paid them. I have all of the documents. I am still being continually harassed by Funding Metrics and a new legal team to pay them again in reference to this matter

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: NY

Complaint narrative:
I transferred my money to a person using zelle because I want to buy some XXXX currency, he promised to send me money through XXXX but he did not after receiving money from me using zelle in XXXX on XXXX XXXX XXXX. His zelle account is XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TClub Inc
State: CA

Complaint narrative:
The application I used is abound XXXX XXXX XXXX XXXX. I send my money on XXXX of XXXX, after making transactions I keep on getting updates on transfer. on XXXX XXXX XXXX got update that my money has been transferred but when I checked with recipient she didnt receive it!!! after that I tried to contact them in many ways like XXXX social media account, twitter account, there official email account but every time Im getting either no response or automated messages that my money is safe and we checking on your transaction. Till today I havent received the money or actual update!!!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I changed my bank account number with my financial institution on XX/XX/XXXX. On XX/XX/XXXX, I discovered that my XXXX Credit card account ( Account ending in XXXX ) had been closed. When I first contacted XXXX Credit on XX/XX/XXXX, I was informed that my account had been closed on XX/XX/XXXX due to inactivity because I had not used my card. However, I used my card approximately XXXX months ago and have since been intentionally paying down the balance before making additional purchases. The representative acknowledged that the account should not have been closed for that reason and transferred me to another department, but no one answered the call. On XX/XX/XXXX, I contacted XXXX Credit again and was transferred multiple times without receiving a clear explanation. I was eventually told that a payment had been returned due to my bank account number change and that this occurred on XX/XX/XXXX. This explanation directly conflicts with the information provided during my first call, when I was told the account had been closed on XX/XX/XXXX. Additionally, I have consistently made payments well above the {$55.00} minimum payment, often paying more than {$200.00} per month. My XXXX statement reflects an available credit balance of {$2700.00}. However, my XXXX statement shows zero available credit, which indicates that the account was restricted or closed without a consistent explanation. When I finally reached another representative on XX/XX/XXXX, I was informed that the account was closed because I changed my bank account due to fraud and that a payment was returned. This is inaccurate. No payment was returned, and I changed my bank account number purely as a precaution after a moving company handled my belongings and my banking information was exposed. No fraud occurred on my account ; the change was preventative. I also reviewed a message in my online account inbox stating that due to recent changes to my bank account information, I would need to make manual payments rather than use the automatic payment system. This communication further contradicts the explanation that my account was closed because of the account change. My decision to update my bank account information as a precaution should not have resulted in the closure of my credit account, especially given my consistent payment history above the minimum requirement. This situation has caused significant stress and hardship, particularly because I have not engaged in any wrongdoing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: TrueAccord Corp.
State: CA

Complaint narrative:
I received text messages indicating they were from True Accord stating i have outstanding debt ( company not named and I have NOT received any bills which I have not paid or made payments on ). The texts included links, which I did not feel comfortable clicking on. I looked up the number for True Accord online, and after describing the situation I was asked to pay {$1.00}, by providing credit card or other financial info which I refused to do, in order for them to pull the report and see who the bill was from. I hung up and checked my credit report, which has nothing listed regarding any debt collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I never enrolled in paper statements. Synchrony without my permission enrolled me.I called Synchrony in XX/XX/year> and asked the rep to walk me through the process to enroll in paperless. The rep said my online request was successful. I received another statement in XX/XX/year> and called Synchrony. The rep ( XXXX ) XXXX XXXX XXXX CST said I was successful in enrolling in paperless. The rep XXXX refused to waive the {$1.00} fee. Said Synchrony can only waive three. This was only my second call. So, I only had 1 fee waived that was Synchrony 's fault. Also, XXXX claiming I had XXXX fees waived is not true. I've been on hold for 32 minutes and have other activities. So, I'm going to hang 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 monetary relief
Consumer complaint received 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
CFPB Formal Complaint Draft Company : PayPal , Inc . Complaint Category : Money transfer, virtual currency, or money service Issue : Other transaction issue / Problem with a balance or fund availability Description of Incident : I am filing this complaint regarding a documented accounting error and the unauthorized withholding of funds by PayPal , Inc. associated with my account ( Case XXXX XXXXXXXX ). On XX/XX/year>, a dispute over a {$31.00} payment caused a negative balance on my account. To maintain account functionality, I manually deposited my own personal funds on that same day to cover the {$31.00} deficit. On XX/XX/year>, PayPal officially resolved the dispute in my favor. The core issue is as follows : XXXX. Despite the favorable resolution, the {$31.00} credit was never applied to my " Available Balance '' or spendable funds. XXXX. From XX/XX/XXXX to XX/XX/XXXX, support staff provided conflicting information, citing a " XXXX security hold '' that should not apply to a resolved dispute. XXXX. PayPal management now claims the funds were released, but my transaction ledger proves otherwise. I have effectively paid for this dispute XXXX through my manual deposit to cover the initial hold and again by XXXX failure to return the disputed funds. I am requesting a manual audit of my transaction ledger from XX/XX/year>, to the present to correct this discrepancy. Desired Resolution : Immediate credit of {$31.00} to my available spendable balance and a formal correction of the accounting error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-27 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: VA

Complaint narrative:
We went to XXXX XXXX dealership in XXXX XXXX XXXX in XXXX of XXXX due to our other car was totalled in an accident. They have a program called fresh start which sounded good because our credit wasnt great. And our income is SSD. So we mentioned that we cant afford a high monthly payment. So we proceeded to go to the finance managers office and signed the contract that was XXXX a month for XXXX years. The only reason we signed the contract is because we were verbally told they would refinance after a couple of months. The refinancing that said they would do never happened. A car loan with a 29.99 % interest rate of XXXX a month was clearly unaffordable to us and we struggled to keep up with the payments. We called Santander and spoke to a supervisor about XX/XX/XXXX who said dont worry just keep paying the monthly payments. The car ended up being reposseed. Its been difficult without a car especially since I was counting on it for extra money for bills. Not only that I am submitting a copy from the shop from XX/XX/XXXX when it was towed because the engine stalled out the car was undriveable. The mechanic who checked out the car said oil was leaking from the engine. The engine was breaking down this was a car that was XXXX years old this should have never happened. Paying a 29.99 % interest on a car that had mechanical issues is clearly deceitful and predatory loan practicing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was told that I owed a debt because of a Cabela 's Visa Credit Card which had been closed several years ago with a debt of {$630.00} ( or something close to that amount ). That the amount had now grown to over {$3000.00} but that they could settle RIGHT NOW for less than that... almost any amount. Settled on {$450.00}. Told me by bank account was about to be closed. A person with the name " XXXX XXXX '' ID 'd himself as a lawyer and the company as a lawfirm. They almost refused to give me a company name. They screamed at me, they called my ( dead ) mother a XXXX. They demanded my Debit Card #, which I gave them my XXXX card # which has no money on it. They can run that all they want I suppose. They refused to provide proof of debt and they claim I signed a DocuSign capitulating to their terms, which I certainly have not. I want to seek legal action for statutory misrepresentation and Identity Fraid for the purposes of defrauding me out of money and mishandling of my personal information. This company appears to be operating with a REVOKED business license.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TClub Inc
State: NY

Complaint narrative:
XXXX follow up ticket number Subject : URGENT : Formal Complaint - Missing Funds - Transaction IDs : XXXX & XXXX Dear Abound Support Team, I am writing to formally escalate a critical issue regarding two fund transfers that have not reached my XXXX bank account, despite being marked as " Delivered '' on the Abound app. I have already verified with my XXXX bank that no such credits have been received. I have also previously provided my bank statements and account screenshots via email, yet I have received no resolution for over 10 days past the promised date. Transaction Details : Transaction ID 1 : XXXX | Date : XX/XX/year> Transaction ID 2 : XXXX | Date : XX/XX/year> The Required Action : Since the funds are not with the recipient bank, they are likely held at an intermediary clearinghouse or have failed at the final stage of the API call. I request that you : Provide the XXXX ( Unique Transaction Reference ) numbers for both transfers immediately so my bank can trace them manually. Initiate a formal trace/recall on these transactions if they can not be located. Provide a definitive timeline for the credit or reversal of these funds. Please treat this as a priority. I look forward to your immediate response with the XXXX details. XXXX you XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-27 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I am filing a formal complaint against the XXXX location on XXXX XXXX Av XXXX, NY XXXX On first week of XX/XX/year> around XXXX XXXX, I purchased a money order in cash for {$540.00} intended for the New York State Child XXXX XXXX XXXX XXXX The payment has not been received. When I contacted Western Union, they confirmed that the agent location has a direct internal support line to retrieve transaction details. I visited the XXXX XXXX XXXX XXXX assistance with a transaction lookup using the exact date, approximate time, and exact amount. The store XXXX refused to initiate the inquiry and became aggressive during both visits. The location has surveillance cameras that can confirm my presence and the approximate time of the transaction. I request regulatory intervention requiring the agent to review transaction logs and contact Western Union through their internal support channel to locate and verify the money order.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I activated my new LLBean card ending in XXXX expiring XX/XX/XXXX. I was disappointed to learn that my account had been cancelled and my {$430.00} in XXXX XXXX forfeited. I did not receive notification of the pending cancellation and the forfeiture of XXXX XXXX. I am a good customer of Citibank and LLBean. I have not been tardy on my account. I requested CitiBank send me a check for my {$430.00} 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 2026-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: DE

Complaint narrative:
Kick off has two accounts on my credit try and the are reaging the account and it's negative and it's not the correct information they are reporting this and they charge it off and reporting late

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CLGF Holdco 1, LLC
State: NY

Complaint narrative:
I reviewed my credit report on XX/XX/XXXX and discovered this credit card account reporting a balance of {$1300.00} and {$210.00} past due with multiple late payments up to 120 days delinquent. The account shows it was opened on XX/XX/XXXX. I did not open or authorize this account. I have disputed this account as fraudulent and requested verification. Despite this, the company continues reporting delinquency and damaging my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-28 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
In XXXX 2025, while reviewing my American Express business credit card statement, I discovered a charge from HelpMatch LLC related to its healthcare lead-generation platform. That XXXX charge prompted me to review prior statements more carefully, at which point I discovered an additional charge dated XX/XX/year>2025 in the amount of {$1400.00}. HelpMatch operates a credit-based system described as usage-based auto-replenishment, in which credits are automatically refilled when balances drop below a threshold. The company states that authorization is considered continuous while enabled and that charges are triggered automatically based on usage rather than a fixed billing cycle. No advance billing notice, renewal reminder, or pre-charge notification was sent before the XX/XX/year>2025 charge. I became aware of it only after reviewing my credit card statement in XXXX. After discovering the XXXX charge, I immediately contacted HelpMatch and requested : Proof of delivery of any renewal or billing notice Documentation confirming advance notice of the charges Confirmation of authorization for continued automatic replenishment Refund of the unauthorized charges HelpMatch refunded the XXXX charge. However, the company refused to refund the XXXX XXXX, 2025 {$1400.00} charge, despite the same lack of advance notice or renewal reminder. In written correspondence, HelpMatch acknowledged that : No advance renewal notices are sent because billing is usage-based rather than calendar-based. An invoice is generated only after the charge occurs. Changes to billing must be made within their internal dashboard before a refill occurs. The company did not provide documentation demonstrating that any advance notice was sent prior to the XXXX charge. No timestamped email headers, transmission logs, or independent proof of delivery were provided. Additionally, during monthly meetings with HelpMatch representatives, including a representative named XXXX XXXX, my team communicated that continuation of services was conditioned upon at least one lead converting into a paying client. No leads converted during the engagement period. The billing structure effectively allows automatic withdrawals without predictable billing cycles, renewal reminders, or meaningful advance confirmation, and without a clear opportunity to cancel prior to charge. The XXXX charge was refunded once identified, but the XXXX charge remains disputed despite the same lack of notice and authorization clarity. I am requesting review of this billing practice and assistance in resolving the disputed {$1400.00} charge.

Company response to consumer: Closed with monetary relief