vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER HOLDINGS USA, INC.
State: NY

Complaint narrative:
On XX/XX/year> around XXXX AM, I went to XXXX XXXX to use the XXXX Bank ) ATM XXXX XXXX at XXXX Beach XXXX XXXX, Far XXXX XXXX NY XXXX ID # XXXX I tried making a {$300.00} cash withdrawal. It failed. It did NOT dispense the {$300.00} in cash. It only dispensed a receipt that it has. 

So I immediately asked the store clerk to get a XXXX for me. A XXXX named XXXX was unhelpful and unsympathetic. He didn't offer anything. I requested a phone number because there was none listed near or on the ATM machine. He said ; he didn't have XXXX. 

Customers overhead our conversation and stated they had similar experiences and contacted their banks and they confirmed the money was still in their accounts. And a few hours later they were able to retrieve the money. 

That was NOT the case with me. I contacted XXXX XXXX and my financial institution on the day of the incident. And the response from XXXX was useless and I'm still waiting for a response from my financial institution. 

I think I need to point out that I've filed complaints against XXXX XXXX, XXXX XXXX, and my financial institution with the XXXX XXXX of the Attorney General and XXXX. So I'm not surprised by their lack of response. 

I'm reaching out to you for assistance getting my {$300.00} in cash back. 

Oddly, yesterday I received mail from Santander Bank requesting that I open an account with them. I NEVER gave them my address. And I recently was defrauded of {$300.00} from XXXX of their ATM machines. So why would I ever open account with them to give more access to me, my personal info, and my money. That makes NO sense. 

I attached supporting information. 

Thanks,

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 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/year>, I used Wise to transfer USD XXXX from my personal bank account via XXXX debit card to my own international bank account. I paid a transaction fee of USD XXXX. 

Wise initially confirmed the transfer, but the funds were later placed on hold. As of today, more than 30 days have passed, and the money has not been released or returned. 

Wise stated that the funds are under security review but refused to provide any specific reason, legal basis, or clear timeframe for resolution. I repeatedly requested a written explanation and an estimated release date, but Wise only provided generic responses. 

Although this was a personal transaction using personal funds for personal purposes, Wise demanded that I provide business information. After I submitted available business details, Wise rejected them and then requested business information whose name must match my personal email address, which is unreasonable and not legally required for a personal transfer. 

Wise also threatened to lock my account if I did not comply with these demands, while continuing to withhold my funds. The source of funds is legitimate personal income, the sender and recipient names match my legal name, and the intended use was personal shopping.

Due to Wises actions, my funds were not available when promised, and I was unable to use the money for its intended purpose. I am requesting assistance to have my funds released or to receive a clear, lawful written explanation for why they are being held.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: MN

Complaint narrative:
Filed a dispute with Cash App on XX/XX/year> in the amount of {$34.00} made at XXXX. I provided proper documentation from XXXX that proved I was entitled to a full refund. On XX/XX/year> Cash App denied my dispute after an inadequate investigation. I inquired about the denial and was directed to file an appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
I had 2 open account with ginny & 7th Ave. For about 4 months I owe a total amount around {$700.00} maybe these people call me at least 10 times a day starting at XXXX XXXX. This is so harassing they call from all kinds of numbers leaving voice messages they call from local numbers long distance numbers etc this needs to stop they are very worsen for all the overwhelming unwanted communications please help me with this problem thank you im in a very bad hardship just went through a bad divorce I'm in financial ruins right I will pay as I can I know i owe this debt they act like im the only one that owes them based on how much they call me I wish they would stop they are very aggressive

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Valor Intelligent Processing, LLC
State: AL

Complaint narrative:
I never had an XXXX XXXX XXXX account but for some reason they sold the account to a third party I sent an ftc report and they still wont remove it off of my credit report

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I sent the below letter and never received a response, but they keep filing lawsuits against me that keep getting dismissed. 

This letter is being sent to you in response to a listing on my credit report. This is not a refusal to pay, but a notice to request validation. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. Be advised that I am not requesting a " verification '' ; I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. 
Please provide at least the following information within 30 days from the date of your receipt of this request for validation : Name and Address of Alleged Creditor : Name on File of Alleged Debtor : Alleged Account # : Address on File for Alleged Debtor : Amount of alleged debt : Date that this alleged debt became payable : Date of original charge off or delinquency : Was this debt assigned to debt collector or purchased?

Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. 
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: CT

Complaint narrative:
Product : Credit card Company : Concora Credit XXXX Indigo Mastercard What happened I am submitting a complaint regarding deceptive, excessive, and compounding fees on my Indigo Mastercard account that caused my balance to increase month after month despite making all required payments and largely not using the card. 

I opened this account with a {$1000.00} credit limit. After making legitimate purchases and paying the balance down, my account became trapped in a cycle where fees and interest repeatedly increased my balance, even when I made on-time payments and stopped new spending. 

Despite paying every minimum payment : My balance increased from approximately {$1000.00} to over {$1300.00} My available credit remained {$0.00} I was repeatedly charged over-limit fees, even though the issuer approved transactions that caused the account to exceed the limit I was charged monthly credit protection fees, monthly account fees, annual fees, and interest on those fees At no point was it made clear that : Over-limit coverage was optional Credit protection was optional Fees would continue compounding even with no new purchases The card effectively functions as a fee-based debt escalator, not a credit product.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
Excessive repetitive money holds. 

Declining of Small Transactions example last night XXXX $ was Declined at grocery store I. Front of a bunch of people Declined XXXX $ last week At Gym cafe Checks are always held past date given and have to go to a banker to have removed. 

Constant non availability of funds affecting me I. Many ways detrimental to My personal and company

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: NJ

Complaint narrative:
I received a letter in the mail to my address in my estranged sister 's name on XX/XX/XXXX. I returned it with a note " Return to Sender- does not live here ''. When I researched the return address, XXXX XXXX XXXX XXXX, IL XXXX, it comes up as Unifin, Inc. which is a debt collector. My sister has never lived at my home and my address was never listed as a legal address for her. On XX/XX/XXXXXXXX  at XXXX XXXX, I received a phone call to my cell phone number from XXXX. When I answered, they asked for my sister. I told them they had the wrong number and to please remove my number from the list. Out

of curiosity, I called the number back today and they advised after some pressure that the company I was calling was Unifin , Inc.

I'm not sure how this debt collector managed to find my home address and cell phone number ; but they are collecting a debt from my sister, who I have no relationship with, not from me. I find this practice of collection extremely predatory as I have no responsibility toward this debt and this is absolutely no business of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
in XXXX of XXXX  there was a account opened in myt name that I did not request or authorize. Upon further investigation it was discovered that while my daughter was shopping on line at XXXX XXXX somehow a ccount was opened in my name, She did have my other bank card from a different bank to make the purchase with my consent and approval. The purchase went through without a problem and then a month later i get a paper bill from Comenity bank for a purchase at XXXX XXXX not only was a account opened it was closed for a reason of prior bad experience with me. I did not authorize a account to be opened. I did pay the bill off and am still keep getting hit with these ghost fees, the latest XXXX is a XXXX dollar charge for interest on a XXXX ( zero ) balance. It seems like they are trying to just keep getting money from me for a account I did not authorize, yes my daughter did recive the products and yes i did authorize her to do so. Upon further google searches it appears that comenity has a instant approval thing called " the shopping cart trick '' unbeknownst to my daughter she thought it was my credit card that was already saved into my home home computer and continued with the purchase. Deceptive on the part of Comenity in my opinion. In addition to that another account was opened in my name 1 month later ( XX/XX/year> ), opened and closed with no charges however it did hit my credit report and affected my credit history time. I did not authorize neither account

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
b'This is an update to my existing complaint My complaint number is# XXXXRegarding unauthorized transaction on my Bank Of America account reported on XXXX XXXX XXXX I did NOT authorize these charges, nor did anyone with permission to use my account.\nBank of America sent me a denial letter claiming the charges were authorized, but no supporting documentation was provided. They attempted to have me reopen the claim to delay issuing provisional credit, which I do no authorize.\nUnder regulation E 1005.6(b) I am entitled to provisional credit within 10 business days unless authorization can be proven. I am currently experiencing financial hardship, as I need these funds to pay rent, which is time sensitive.\nI request that the CFPB notify Bank of America that provisional credit must be issued immediately and that all communication regarding this claim be in writing only.\nThanks you for your prompt attention.\XXXX XXXX  \nAccount last four 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 monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: VA

Complaint narrative:
I was Taken to XXXX on XX/XX/year> and I was released XX/XX/year>. Between this time, my account was accessed by my ex girlfriend and my funds were stolen from my account. I did not authorize any transactions made between XX/XX/year> & XX/XX/year>. I filed a police report and pressed charges against Her and submitted the documents to XXXX support and Fraud department to assist with my dispute in the amount of {$2800.00} I was denied twice even tho I proved that I was in jail as well as my release date. She was not an authorized user in the account and did not have my permission to use or make any purchases with my debit. 
After reporting her crime to the local authorities I was told to make the dispute so that the funds would be returned to my account. The list of these funds has caused my family extreme hardship because I have already been in jail. The funds were originally a direct deposit from my Employer XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX ) proving the funds belonged to me. When my ex sent me to jail she then cleaned my account. The police are now Looking for her and have issues out a Warrant for her arrest for XXXX yet the funds have not been restored to my account. This was the worst xmas my kids have ever seen.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XXXX XXXX at XXXX XXXX XXXX from past fraudulent visits had bank account number on it. I noticed activity with my checking account that was wrong so I asked Chase about a separate account on file according to account number. 
In XXXX XXXX Chase Bank gave me information to account numbers but didn't tell me of an account available or how to use it and when retrieving account information the person on the phone said I was being set up over money with heinous crimes and cyber attacks. 
He gave me a billing number or something similar but the paper came up stolen right after I left. I called the LVMPD XXXX and said the gas station clerk was threatening me and wouldn't let me get my paperwork after leaving from inside briefly and not having my bag or papers, he was letting me use phone to call chase and both Chase papers and Ohio direction express papers had been stolen. Cops refused to come they said it had to be life threatening. Returning to Ohio I made a complaint with XXXX, XXXX  Chase Bank notarized with account number and the manager confirmed it looked like a case of identity theft and after that refused to help me or provide and documents. I was hung up on several times when calling and lied to about my other checking accounts that are supposed to be closed and was like this two to three years ago after leaving XXXX XXXX XXXX in XXXX, XXXX  my beginning address.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I have been a member of XXXX since the company 's inception XXXX  years ago. I went to login to my account today to find out that my account was permanently closed. I am not able to use Paypal any more to make payments or receive funds and they will be holding any incoming funds to my account for XXXX days. They have been doing mass account restrictions the past few weeks using algorithms that are catching good accounts with the bad. I have done nothing wrong and followed all of their rules. I have tried to resolve this with Paypal directly and they will not give me any reason for why my account was shut down. All they provide is generic information that the ban is permanent and without appeal. I attempted to contact by phone and received the same generic response without any ability to request to talk to management to appeal. They also will not allow me to remove my banking information, social security number or credit card information or change my email to protect myself. They say I can not do any of these things until this is resolved, yet they offer no avenue for resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-08 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
I am submitting this complaint regarding Credit Acceptance Corporation for violations of the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c, related to improper and unauthorized debt collection communications.

Credit Acceptance Corporation has continued to engage in collection activity and communication regarding an alleged debt without my consent and without proper authorization, and in a manner that violates federal law governing consumer communications.

Legal Violations 15 U.S.C. 1692c ( a ) Improper Communication A debt collector may not communicate with a consumer at any unusual time or place, or in a manner that the collector knows or should know is inconvenient or unauthorized. Credit Acceptance Corporation has continued collection communications despite the lack of proper authorization and lawful consent. 

15 U.S.C. 1692c ( c ) Failure to Cease Communication Upon notice that communication is disputed and/or unauthorized, a debt collector must cease further communication except as permitted by law. Credit Acceptance Corporation failed to comply with this requirement.

15 U.S.C. 1692e False, Deceptive, or Misleading Representation Continued attempts to collect or communicate regarding a debt that has not been properly validated or authorized constitute deceptive collection practices. 

Harm Caused These actions have caused : Ongoing harassment and inconvenience Emotional distress Improper pressure regarding an alleged debt Potential harm to my consumer rights and credit standing Requested Resolution I respectfully request that the CFPB require Credit Acceptance Corporation to : Immediately cease all collection communications related to this alleged debt Provide written confirmation that all improper communications have stopped Refrain from any further contact unless and until lawful validation is provided Ensure no adverse credit reporting results from unlawful collection activity Comply fully with 15 U.S.C. 1692c and all applicable federal consumer protection laws This complaint is not resolved until all improper communications have ceased and written confirmation is provided.

Thank you for your assistance in enforcing federal consumer protection laws. 

Sincerely, 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 2026-01-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
The card timed out before the first purchase. The card is valid until XX/XX/XXXX. 

Telephone call with American Express says that they can't do anything, it is in the hands of FL unclaimed property. I sent email to the FL unclaimed Property Services ( attached ). 

Several phone calls with FL unclaimed property service and they say that it is in their system ( XX/XX/XXXX ) and I should have the card back/working by XX/XX/XXXX. 

Still no word from the state yet on XX/XX/XXXX.

Company response to consumer: Closed with explanation