vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: OPTUM BANK, INC.
State: FL

Complaint narrative:
Dear Customer Support Team, I am writing to formally file a complaint regarding my recent experiences with your customer service department while attempting to regain access to my account, which is currently locked. This situation has become extremely concerning for me, particularly because the account in question contains my Health Savings Account ( HSA ), and I urgently require access to important information related to it. Over the past few days, I have made multiple attempts to contact your support line to resolve this issue. During XXXX of these calls, I spoke with a customer service representative named XXXX. I was prepared to verify my identity and answer any security questions necessary to regain access to my account. However, instead of assisting me with the verification process or providing guidance on how to resolve the issue, the call was abruptly disconnected by the representative before any meaningful assistance was provided. Unfortunately, this was not an isolated incident. On another occasion, I contacted customer support and was connected with a representative named XXXX. During this call, I explained that my account was locked and that I required assistance retrieving it, particularly due to the presence of my HSA within the account. Rather than attempting to escalate the matter or guide me toward a solution, I was told that he could not assist me, and the call was again disconnected. These experiences have been extremely frustrating and distressing. Being unable to access my accountespecially one that contains my Health Savings Account creates significant anxiety, as these funds and the associated information are critical for managing healthcare-related expenses and financial planning. I reached out to customer service in good faith expecting professional assistance, only to be disconnected without resolution. I respectfully request the following : XXXX. Immediate assistance in unlocking or recovering access to my account so that I can access my HSA information. XXXX. An explanation regarding the handling of my calls and why they were disconnected without resolution. XXXX. A review of the conduct of the representatives involved, as this level of service is unacceptable and has caused unnecessary stress and inconvenience. I would greatly appreciate prompt attention to this matter and a clear path toward resolving my account access issue as soon as possible. Please contact me at your earliest convenience so we can complete the necessary verification steps and restore access to my account. Thank you for your time and attention to this matter. I hope this issue can be resolved quickly and professionally. Sincerely, XXXX XXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
I was notified that by a collection agency regarding a so called debt I have on my credit, I requested the correct validation for it and used my rights under FDCPA. I asked them for creditors information and account numbers, I also asked for either the assignment or sales document and they failed to provide either of those and without them providing sufficient proof it makes it invalid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: V and H Portfolio
State: TX

Complaint narrative:
Subject : Reporting of Unverified Debt and Failure to Provide Validation To Whom It May Concern, I am filing this complaint regarding several collection accounts that are currently being reported on my credit report without proper validation. The accounts are as follows : XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX Account Vance & Huffman LLC Collection Account I previously disputed these accounts and requested validation of the alleged debts. Under the Fair Debt Collection Practices Act ( FDCPA 809 ) and the Fair Credit Reporting Act ( FCRA 611 ), a debt collector must provide proper documentation proving that the debt is valid and that they have the legal right to collect and report it. To date, I have not been provided with : A copy of the original signed agreement or contract A complete payment history showing how the balance was calculated Documentation proving the collection agency has been assigned the debt or has the legal authority to collect it Despite the lack of validation, these accounts continue to be reported to the credit reporting agencies. Reporting unverified debt is a violation of the Fair Credit Reporting Act. Because the collectors have failed to properly validate these debts, I am requesting that the following accounts be immediately removed from my credit report : Vance & Huffman LLC If these accounts can not be properly verified with supporting documentation, they should not be reported to the credit bureaus. I am requesting that the companies involved conduct a proper investigation and provide the requested documentation or delete the tradelines from all credit reporting agencies. Thank you for your attention to this matter. Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Driveway Finance Corporation
State: HI

Complaint narrative:
I am an employee of the Department of Homeland Security and have been affected by the recent government shutdown, resulting in a loss of pay. I have made multiple attempts to request a deferment from my creditor due to these circumstances. I also provided a letter from my employer confirming my employment status and the impact of the shutdown on my pay. Despite these efforts, my creditor has continued to report my account as delinquent to the major credit bureaus. I am seeking assistance from the Consumer Financial Protection Bureau, as my creditor has not provided the support or relief I requested during this period of financial hardship. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Zip Co US Inc.
State: CA

Complaint narrative:
I am filing this complaint regarding a refund issue involving a purchase financed through Zip. I purchased an item described as a concealed bulletproof vest from a merchant called XXXX XXXX XXXX. The purchase was financed through Zip using a four-installment payment plan. However, I never received the item I ordered. After contacting the merchant, XXXX XXXX XXXX confirmed through email that they would issue a full refund for the purchase. Because the transaction was financed through Zip, the refund was processed through them. Zip refunded only XXXX of the XXXX installment payments I made. The third and fourth payments have not been returned to me. I previously filed a dispute with my bank regarding this transaction and it was denied from my bank because Zip didn't refund the XXXX and XXXX payment i paid to Zip and I also contacted Zip directly by email approximately XXXX weeks ago to request the remaining refund. As of today, I have not received any response or resolution from Zip. I am requesting assistance to recover the remaining XXXX installment payments that are still owed to me that total of {$390.00} since the merchant has already confirmed that a full refund should be issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: FinCo Services Inc DBA Current
State: PA

Complaint narrative:
My son stole XXXX out of my account without my permission I was sleeping when transactions were made so how can I authorize them now the bank won't give me money that's owed my son he even has or will admit to the transactions to prove that it wasn't me I deserve my money to be deposited not have to deal with a bank stealing my money like my son did if Im going to be treated like XXXX from them im switching banks and not recommend them to anyone and will take legal action

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: TD BANK US HOLDING COMPANY
State: OK

Complaint narrative:
In XX/XX/XXXX I received a debt collection letter from XXXX XXXX attempting to collect a credit card debt. I sent XXXX XXXX a debt validation request via certified mail. They never responded or sent a debt validation. I called the original creditor since I suspected fraud on the account. The original creditor never responded. Then in XXXX of XXXX I was sued by XXXX XXXX for the debt. Still never receiving any debt validation or notification of what the debt actually is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Valon Technologies, Inc.
State: FL

Complaint narrative:
My mortgage on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Loan # XXXX ) was transferred to Valon Mortgage. After transfer, I was notified of an escrow shortage. Per Valon 's instruction by phone, I paid {$5100.00} to resolve the shortage in full. I confirmed this via email to Valon. My monthly payment should have dropped to {$3300.00}. Instead, I am now receiving notice that my escrow balance is XXXX and that I have a new shortage of {$4700.00}. My property taxes and insurance have not changed. I already paid the prior shortage in full. I believe the escrow balance from my previous servicer was never properly transferred to Valon, violating RESPA ( 12 CFR 1024.33 ) which requires escrow balances to be transferred and credited. Despite this, Valon is billing me as if I owe additional escrow funds. I am requesting : ( 1 ) a complete escrow transaction ledger since transfer, ( 2 ) proof of what escrow balance was received from the prior servicer, ( 3 ) a corrected escrow analysis, and ( 4 ) my monthly payment restored to {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XX/XX/XXXX, someone with the company used my debit card and made XXXX charges for the amounts of {$350.00} and {$450.00} and supposedly bought XXXX or XXXX through XXXX * XXXX XXXX XXXX I opened a claim with Wells Fargo because this was NOT me. I would never buy that. I think its dumb. Supposedly they used my address too. Nothing was ever sent to my address of course. I had never heard of this company before. I asked them to stop the transaction and they told me they couldnt. They said they were helpless. I have the conversation saved with them. My card was cancelled immediately after I froze it and I was sent a new one. Wells Fargo is refusing to give us the money back. They are denying my claim and closing it in XX/XX/XXXX. I plan to fight them on this.

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 2026-03-10 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CUSTOMERS BANCORP, INC
State: IL

Complaint narrative:
I previously had a XXXX XXXX high yield savings account issued by Customers Bank XXXX When the account was closed it contained approximately {$3000.00}. A check was issued to return the funds but it was lost in the mail. Because it did not arrive, a stop payment was placed on the check. The check eventually arrived much later, and when I attempted to deposit it the check was returned unpaid due to the stop payment. Since then I have repeatedly contacted both T-Mobile MONEY and Customers Bank to obtain a replacement check and the final account statement. During a call with Customers Bank the week prior to XX/XX/year>, a representative told me she needed my full Social Security number, full account number, address, phone number, and other identifying information in order to contact T-Mobile MONEY to retrieve my statements. I provided this information because I was told it was required to begin the process. However, when I spoke with T-Mobile MONEY on XX/XX/year> at approximately XXXX PM, their representative XXXX informed me that this information was not necessary because Customers Bank is the institution that holds the account records and statements. They also stated that Customers Bank had not created any ticket or formal request for the records. This has caused significant concern because I provided sensitive personal information to Customers Bank under the belief that a request for my records would be initiated, but I was later told that no such process had even begun. At this point I have still not received the replacement payment for the {$3000.00} owed to me or a final statement showing the disposition of the funds. I am requesting that the bank locate the closed account balance, provide my final account statement, and immediately reissue payment for the remaining funds.

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 2026-03-10 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
XXXX asset solution is attempting to collect a debt owed to XXXX by a family member, I spoke with XXXX and they told me a family member placed me as an authorized user so Im being held liable for an amount of the debt even though Im not the account owner, Im no longer in that account and have paid my share to family. To : XXXX XXXX solutions From : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX FL To Whom It May Concern, This letter serves as formal notice that I am exercising my rights under the Fair Debt Collection Practices Act, 15 U.S.C. 1692c ( c ). You are hereby notified to cease and desist all communication with me regarding the above-referenced alleged debt. This includes, but is not limited to, telephone calls, text messages, emails, letters, or any other form of contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-03-10 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Oliphant United, Inc.
State: AK

Complaint narrative:
This account is time-barred under Alaska law XXXX The last payment was made on XX/XX/XXXX. Pursuant to XXXX XXXX, the three-year statute of limitations expired on XX/XX/XXXX. XXXX XXXX XXXX is therefore legally prohibited from suing or threatening to sue on this debt ( 12 CFR 1006.26 ). Their continued monthly reporting after my XX/XX/XXXX validation request and after the SOL expiration date makes the entry inaccurate and unverifiable under the FCRA. Delete it immediately. On XX/XX/XXXX, I sent XXXX XXXX XXXX a detailed written validation request via email and certified mail with return receipt ( copies attached ). They have provided XXXX validation or response. They began reporting the collection on XX/XX/XXXX and have continued updating it monthly ( most recently XX/XX/XXXX ) in violation of FDCPA 1692g and Regulation F. I have never received any initial communication from XXXX before they started reporting. The original debt is from a XXXX Bank loan originated through XXXX ( XXXX % APR on a {$20000.00} personal loan copy of agreement attached ). This debt is also potentially unenforceable under Alaska usury laws. This inaccurate entry has caused me actual damages : I was denied vehicle financing once and forced to accept a XXXX % interest rate on a used vehicle purchase. I demand that XXXX XXXX XXXX immediately delete this entry from all three credit bureaus and cease all collection activity and reporting. Please investigate and require them to confirm deletion in writing. Attached : XX/XX/XXXX validation request letter + Gmail screenshot + certified mail receipt with signature proof XXXX XXXX XXXX XXXX ( showing last payment date XX/XX/XXXX, APR, and my signature ) Current credit report screenshots showing the Oliphant entry and monthly updates

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TN

Complaint narrative:
Mohela collection services will not allow me access to my account or ask for a lower monthly payment. When I call their company phone number, it is an automated loop that provides XXXX useful information. The website will not allow me an cess to my account EVEN after providing my social security number and my date of birth. There is NO password reset option either. Lastly, I need information to provide to my tax preparation consultant concerning interest paid on my loans over the last XXXX years.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: DISCOVER BANK
State: MA

Complaint narrative:
I am writing to request assistance as my credit card dispute with Discover concerning a series of unauthorized charges from XXXX was inappropriately dealt with by the company. I cancelled my XXXX prepaid phone service on XX/XX/year>. However, I later discovered that my credit card continued to be charged through XXXX autopay for more than a year after the cancellation. When I contacted XXXX to investigate the issue, both in-store representatives and online customer service confirmed that my service had indeed been cancelled and that my account had ceased to exist since XX/XX/year>. At the same time, XXXX refused to acknowledge that the charges appearing on my credit card statement were made by them. Because of this, I initiated disputes through my credit card issuer, Discover. After approximately XXXX month of review, Discover informed me that most of the transactions were deemed valid. I strongly disagree with this determination and requested that the dispute process continue. Discover then requested additional documentation and suggested that I provide proof showing that a refund is owed to me. However, this requirement is difficult to satisfy because the merchant does not acknowledge the charges and therefore has not issued or documented any refund obligation. Since these charges occurred after the service was cancelled and the account no longer existed, I believe they should be treated as unauthorized transactions. When I first initiated the disputes, I also requested that Discover stop any further payments to this merchant. However, the autopay charges continued. When I raised this issue again, Discover stated that no prior request to stop payment had been recorded. At this point, I feel stuck between the merchant and the credit card issuer. The merchant denies making the charges, while the credit card issuer considers them valid and requests documentation that I can not reasonably obtain. I respectfully request the CFPBs assistance in reviewing Discovers handling of this dispute and helping ensure that the unauthorized charges are properly investigated, that the ongoing charges are permanently stopped, and that any improper charges are refunded. Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-03-10 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: Block, Inc.
State: TX

Complaint narrative:
I am filing this complaint against Cash App ( Block , Inc. ) for failure to properly investigate a dispute and failure to issue provisional credit as required under Regulation E/ the Electronic Fund Transfer Act. On XX/XX/XXXX, I purchased products from a fraudulent merchant ( XXXX XXXX ) that arrived defective. I immediately contacted the merchant for a full refund of {$120.00} and was refused. I then opened a formal dispute with Cash App right away on XX/XX/XXXX. As of today, this dispute has still not been resolved. When I followed up with Cash App on XX/XX/XXXX, first via phone, then through the Cash App chat where a representative named XXXX admitted that the dispute had been lost or mishandled in their system meaning no investigation was meaningfully conducted. I forwarded this information to XXXX, XXXX, and XXXX via email. I have received no provisional credit during this extended delay, which violates Cash App 's obligations under Regulation E, which requires : An investigation completed within 10 business days A provisional credit issued if the investigation exceeds 10 business days Full resolution within 45 days This dispute has now been open for several months with no resolution, no provisional credit, and an admission by Cash App staff that it was lost in their system. This is a textbook violation of Regulation E. I am aware that the CFPB took action against Block/Cash App in XX/XX/XXXX for exactly these practices failing to investigate disputes and withholding provisional credits and ordered up to {$120.00} XXXX in consumer redress. My situation appears to fall directly within the scope of that enforcement action. I have documentation of the original purchase, the defective product, my dispute filing, and the merchant 's refusal to issue a full refund, available upon request. I am requesting : 1. A full investigation into my dispute immediately 2. Issuance of provisional credit while the investigation is completed 3. A full refund for the defective product 4. Review of whether I qualify for redress under the XX/XX/XXXX CFPB consent order For reference the CASE NUMBER is : XXXX

Company response to consumer: Closed with explanation