vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: OPTUM BANK, INC.
State: OH

Complaint narrative:
I am disputing {$280.00} in illegal maintenance fees charged to my XXXX XXXX Account ( XXXX ). My account was inactive for XXXX years. Optum Bank violated Minnesota XXXX XXXX and the Uniform Disposition of Unclaimed Property Act in the following ways : Statutory Fee Cap : Under MN XXXX XXXX, service charges on inactive accounts are capped at a period not to exceed XXXX year. Optum Bank illegally deducted fees for XXXX years, exceeding the legal limit by XXXX years. A {$3.00} fee per month for XXXX years comes out to {$280.00}. Failure to XXXX : Per state law, this account was " presumed abandoned '' after XXXX years of inactivity. Optum Bank was legally required to stop fees and turn the balance over to the State at that time. Instead, they held my funds for XXXX additional years past the legal deadline solely to drain the balance via fees. The bank has promised a partial refund of {$59.00} as a 'courtesy, ' which I have not yet received. I am accepting that as a partial payment only and am pursuing this complaint for the remaining {$220.00} to bring the account into full compliance with the law. The bank refuses to refund the remaining {$220.00} required by law, citing internal company " limits '' that do not override state statutes. I am seeking a full refund of the remaining {$220.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I am disputing an account being reported by Portfolio Recovery Associates. I have made multiple attempts to validate this debt, including submitting requests through their chat system and emails. I have received no response and no documentation has been provided. Despite my repeated requests, the company continues to report this account on my credit report without providing any verification that the debt is accurate or that they have the legal right to collect it. As of today, I have not received : -Proof of the original creditor -A full account history or itemization of charges -Documentation showing assignment or ownership of the debt -Verification of the balance being reported I have made good faith efforts to resolve this directly with the company, but they have failed to respond. Continuing to report a debt without providing validation after multiple requests raises serious concerns under FDCPA and the FCRA. I am requesting deletion of this account from all credit reporting agencies Written confirmation of removal Investigation into the company 's failure to provide validation upon request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing this complaint against Westlake Financial regarding failure to return my overpayment and failure to properly review a misrepresentation claim. My auto loan was paid off on XX/XX/year>. As of XX/XX/year>, the company has not returned my overpayment of {$490.00}. Westlake Financial is refusing to issue my refund via check or ACH and is attempting to force me to accept a XXXX-XXXX debit card ( XXXX XXXX ), which I have explicitly declined. Furthermore, add-on products ( wheel, interior, and roadside protection ) were included in my loan without clear disclosure ( listed as {$0.00} in the Bill of Sale ). Westlake refused to investigate this misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Subject : Formal Complaint regarding Unauthorized Account Re-opening - Case of Account XXXX XXXX and XXXX XXXXXXXX Content : I am filing a formal complaint against TD Bank regarding a serious operational error. On XX/XX/year>, I officially closed both my checking ( XXXX XXXXXXXX ) and savings ( XXXX XXXXXXXX ) accounts. I received official receipts from the teller showing both accounts were closed with a clear balance. ( See attached receipts ). However, in late XXXX, I was shocked to find that the bank had re-opened my account without my authorization due to a delayed internal transfer. While I have already paid the {$1000.00} to settle the balance, I believe the bank 's failure to flag pending transactions at the time of closure is a major error. I request that TD Bank provide a formal written confirmation stating that this incident was a bank processing error and ensure that NO negative reports are made to XXXX or any XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
I cancelled my XXXX XXXX membership in person at the gym location. When I cancelled, the staff confirmed my cancellation was complete and told me I was good to go. No balance was mentioned, no payment was requested, and I was given no indication that I owed anything. I was never charged by XXXX after my cancellation date, and I received no bills, letters, or notifications of any outstanding balance from XXXX at any point after cancellation. I recently discovered that Aldous and Associates placed a {$290.00} collection account on my XXXX credit report, which has been there since XX/XX/XXXX. I was never contacted by Aldous and Associates before this appeared on my credit report. I did not receive any written validation notice as required by the FDCPA. This is the first I have been made aware of any alleged debt. I am disputing this debt as invalid. I was verbally cleared at cancellation, never billed, never notified, and never given the opportunity to dispute before it was placed on my credit report. I am requesting this collection be investigated and removed from my credit report immediately. Additionally, Aldous and Associates placed this collection on my credit report in XX/XX/XXXX but made absolutely no attempt to contact me via phone, email, or mail until XX/XX/XXXX over XXXX years after reporting it. Their first contact was a text message received approximately XX/XX/XXXX. This means the collection was placed on my credit report and damaged my credit for over XXXX years before I was ever notified it existed, completely eliminating any opportunity I had to dispute it in a timely manner as is my right under the FDCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: FinCo Services Inc DBA Current
State: IN

Complaint narrative:
I confirmed with current that I didnt initiate the transfer. I provided current bank with a statement that I didnt authorize this transaction. Despite this, they denied the dispute, saying XXXX responsible. I believe they give poor judgment on if disputes are accurate or not and I wasnt given a fair outcome

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Paypal Holdings, Inc
State: CA

Complaint narrative:
My PayPal account was permanently limited without a clear and valid reason. At the time of limitation, there were funds in my account that I can not access. PayPal informed me that my funds may be held for up to XXXX days, which I believe is unfair and unjustified. I contacted PayPal support multiple times. They requested verification of cards that are no longer active. I explained that those cards are expired and I currently have new valid cards, but I am unable to add them due to the account limitation. This creates a situation where I can not comply with their request. PayPal also refused to accept documents through chat and insisted on uploading through the system, which is restricted due to the limitation. As a result, I am unable to resolve the issue through normal support channels. I believe PayPal is unreasonably restricting my account and holding my funds without proper justification. I request that PayPal either immediately restore access to my account or release my funds without delay.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
Back in the early XXXX, I had my identity stolen and a bunch of charges. Was not mine. We thought this had been taken care of and the account closed. A couple of years ago we discovered that had popped up again when trying to get a loan. We are not sure what to do as Discover has kept trying to collect $ that we did not charge and they said they would close the account but they have not. We want this account closed and they need to go after whoever made these charges many many years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I am submitting this dispute to request the correction of an inaccurate late payment reported on my credit file. I made all payments on time and, in fact, paid off the full balance well ahead of the scheduled due date. I have supporting evidence, including voice recordings confirming both completed payments and scheduled payments. Additionally, a representative confirmed that my payments were being made on time and that my account would not be reported as late. Under the Fair Credit Reporting Act ( FCRA 611 ), I am formally disputing the accuracy of this reporting. This information appears to be incorrect and does not reflect my actual payment history. Reporting inaccurate payment status may also violate FCRA 623 ( a ) ( 1 ) ( A ), which requires furnishers to provide accurate information. I request that this late payment entry be investigated and removed or corrected promptly. Please update my credit file to accurately reflect my timely payment history. If you are unable to verify the accuracy of this late payment, it must be deleted in accordance with FCRA 611 ( a ) ( 5 ). Please provide me with written confirmation of the results of your investigation. Best Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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:
XXXX XXXX lines mistakenly booked airline trips for me. I cancelled the bookings with XXXX immediately. Unfortunately, instead of cancelling the trips, XXXX double booked me for duplicate trips and charged my credit card. When I became aware of the problem, XXXX corrected the problem by cancelling both sets of trips and notified American Express. I have contacted both companies many times to resolve the problem. XXXX has credited me for the charges to American Express. I have sent American Express several documents from XXXX showing that the airline trips were a mistake and they have credited me for them. And they have sent me invoices showing that my balance due for the cruise is XXXX dollars. American Express refuses to accept those documents to end my dispute. It could take another 90 days to resolve. I owe American Express XXXX dollars. They show that I owe them in excess of {$7100.00}. They tell me to be patient with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I sent {$430.00} via XXXX to an online seller for a product. The seller refunded {$230.00} but did not return the remaining {$200.00} and stated they would send it later. I had sent them the XXXX $ on XX/XX/XXXX. I never got any product or any refund. Over the next 34 months, I followed up multiple times. The seller repeatedly delayed and stated they would either refund the remaining amount or send the product. Later, the seller stated they were unable to access their XXXX account and asked me to send the {$200.00} again so they could send the product instead of issuing a refund. On XX/XX/year>, I sent an additional {$200.00} via XXXX based on this request. After this payment, the seller claimed they did not receive it, stated that their XXXX account is blocked or unreliable, and refused to send the product or issue any refund. As of now, I have not received any product, and the seller is refusing to return my money.Total amount lost is {$400.00}. I have records of all transactions and communications. I believe this is a case of fraud and misrepresentation and request that this matter be investigated.

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 2026-04-29 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: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
I am submitting this complaint regarding the improper servicing of my mortgage account following an approved Hurricane Ida forbearance. I was granted a one-year mortgage forbearance under a Hurricane Ida relief program administered through the New Jersey Department of Community Affairs . My forbearance began in XX/XX/XXXX and I received a Certification of Eligibility outlining the program terms. Under this program, mortgage payments were suspended during the forbearance period and were to be treated as deferred, not delinquent. The terms specify that deferred payments are to be added to the end of the loan term, with no requirement for immediate repayment or a repayment plan. After the forbearance period ended, Select Portfolio Servicing began treating my account as delinquent dating back to XX/XX/XXXX. I was informed that I must either bring the account current or apply for loss mitigation. On XX/XX/XXXX, I submitted a written dispute to the company explaining that the payments were deferred under the program and should not be treated as past due. On XX/XX/XXXX, the company responded by offering a repayment plan requiring monthly payments of approximately {$1600.00} for 12 months, along with a balloon payment at the end. This amount is significantly higher than my regular mortgage payment and would create a financial hardship. The company also stated that a deferral option was not available due to the delinquency on the account. However, this delinquency classification is based entirely on payments that were deferred under the approved forbearance and should not be considered past due. The companys response did not address whether my account is being serviced in accordance with the Hurricane Ida relief program. I have continued making my regular monthly mortgage payment in good faith and have not agreed to the repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
a Domestic Wire transfer for {$5000.00} was authorized by me on Monday XX/XX/XXXX at XXXX EST from a TD Bank Branch , to be sent to the bank of the car dealership that I am purchasing a used car from. The funds were not sent on Monday. On Tuesday I called the branch and was told that it was " in process '' - and someone would call me back with the status of the transfer. They did not call me back On Wednesday I made XXXX calls to the branch to find out what was delaying the wire. I was told in the morning that it was in compliance review. I requested that they call the compliance department and find out what the delay was- they said they would and would call me back. ( they did not call back ) At the end of day Wednesday, I called TD Bank Customer Service. I spoke with an associate and to their supervisor. I was told that the transaction could not be cancelled and I would have to wait for that review to complete before my funds would be released, or not, depending on the outcome of the compliance review. I asked for some indication of how long this would take and was told " we don't know ''. I asked what recourse I had to address this with the bank and they said - you have none. I asked what the XXXX was for a domestic wire transfer and they said - Same Day. I asked that they log our conversation as a formal complaint and they said they would.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIRST PORTFOLIO SERVICING INC
State: SC

Complaint narrative:
I have a Total Visa card. I made my payment before the due date and received a confirmation from the credit card company. Then after my due date they sent a message saying that my payment was late. I checked my account and found a late fee of XXXX dollars had been charged to me. I called and they said the payment didn't clear. I checked with my bank and verified that they never submitted my payment. I think that was intentionally done so they could tack on fees. I believe this company is predatory.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am submitting a formal complaint regarding BMO Banks handling of unauthorized transactions on my business account ending in XXXX, held under XXXX XXXX XXXX XXXX XXXX ) An individual previously had access to this account as part of business operations. However, that access was formally revoked on XX/XX/year>. After this date, the individual no longer had any authorization to access or use the account in any capacity. Despite this revocation, on XX/XX/year>, unauthorized XXXX transfers totaling {$5900.00} were made from the account to the same individual, including transactions of {$5300.00} and {$680.00}. I did not authorize these transactions. I reported the issue to BMO Bank ; however, my claim was denied on the basis that I had previously granted access to this individual. This response does not address the central issue : the transactions occurred after all access had been formally revoked, meaning they were not authorized under any continuing agreement or permission. -Claim # XXXX Additionally, BMO Bank has since closed the account, which further limits my ability to fully reconcile or review historical access logs and transaction authorization records. To date, the bank has not provided a clear explanation of how the individual was able to continue initiating transactions after XX/XX/year>, nor has it clarified whether all access pointsincluding online banking credentials, user permissions, and XXXX XXXX fully revoked and secured. I am also investigating related financial irregularities involving check transactions at my XXXX XXXX business account ending in XXXX, where I have reason to believe signatures may have been forged. This suggests a broader pattern of unauthorized financial activity involving the same individual. A police report has been filed documenting these incidents ( Report # XXXX ). Accordingly, I am requesting the following : Sincerely, 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 2026-04-29 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I am writing to submit a new complaint since my last one was closed. This update is a significant development related to my last complaint. On XX/XX/XXXX, XXXX issued denial letters on all XXXX of my School XXXX XXXX applications ( loan accounts ending in XXXX, XXXX, XXXX, XXXX, and XXXX ), collectively representing approximately {$100000.00} in private student loan debt related to The XXXX XXXX XXXX California XXXX XXXX XXXX The denials raise serious process concerns : All XXXX denial letters are word-for-word identical, citing the same reason codes ( XXXX, XXXX, XXXX, XXXX, and XXXX ) with no individualized analysis of each loan 's circumstances. This pattern is consistent with the systematic denial conduct documented in XXXX XXXX Navient ( settled XX/XX/XXXX ), in which Navient was found to have routinely denied School XXXX XXXX claims without meaningful review. Regarding reason codes XXXX and XXXX ( timeliness ) : My applications are timely under the California discovery rule ( XXXX. XXXX XXXX. XXXX. XXXX ( d ) ). The XXXX Department of Education did not adjudicate the federal loan discharges related to this same institution until XX/XX/XXXX less than XXXX months before my application. Prior to that federal adjudication, I had no practical basis to assert a viable private loan discharge claim. Navient 's boilerplate timeliness denials disregard this governing legal standard entirely. Regarding reason codes XXXX, XXXX, and XXXX ( harm and causation ) : My application documents substantial harm : I enrolled in good faith based on the XXXX XXXX 's misrepresentations regarding accreditation, job placement rates, and program quality. I completed the program and accrued {$66000.00} in principal, which has grown to {$100000.00} due to continued interest accrual. Navient 's denial provides no explanation of what additional harm documentation would satisfy its standard, nor does it engage with the federal government 's prior finding of institutional misconduct. I have filed a formal written appeal directly with Navient/XXXX. I am requesting that the CFPB : Apply its XX/XX/XXXX supervisory directive requiring servicers to give due deference to federal adjudications of institutional misconduct when evaluating private loan discharge claims. Direct Navient to provide a substantive, individualized written response to my appeal not another boilerplate denial. Note the pattern of identical denials across all XXXX loans as potential evidence of systemic non-compliance. I am prepared to provide copies of all XXXX denial letters and my formal appeal upon request.

Company response to consumer: Closed with explanation