vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
I opened a new checking account with Ally Bank for their {$300.00} promotional credit.

The terms of this were two {$1000.00} deposits within the deadline.

I hit these terms shortly after opening the account with standard direct deposits.

I reminded the support staff, months later, that the bonus still had not been applied. Support staff was repeatedly off-shored with low quality cookie cutter templated responses rife with mispellings and inadequacies.

Only after cussing several people out did I get " escalated '' to a different team. 

This also went unanswered as of XX/XX/XXXX and the bank gave a THIRTY FIVE BUSINESS DAY deadline for " investigating '' their error with no promise of correction after violating their own terms and deadlines for their marketed bonus - which is a compliance violation. 

They then sent me a " deadline '' of XX/XX/XXXX by which the {$300.00} bonus would be posted no later than. 

As of XX/XX/XXXX i STILL do not have this promotional bonus- which I cleared the terms for in XXXX months ago. 

This is absurd and the single worst bank I have used not only in terms of the mind numbingly inadequate support but also just basic operational compliance.

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 2026-01-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: NM

Complaint narrative:
The company has not responded through the CFPB portal. Instead, they attempted to respond outside the CFPB process via private email and did not address my request for verification or method of verification under the Fair Credit Reporting Act. 

I am requesting CFPB assistance to ensure the company responds formally through this complaint and complies with its verification obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 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: U.S. BANCORP
State: TN

Complaint narrative:
I have a U.S. Bank XXXX XXXX XXXX XXXX Credit Card with U.S. Bank. I currently have XXXX points in rewards on that credit card. I also have a U.S. Bank XXXX XXXX XXXX Account with U.S. Bank. Per U.S. Bank redemption policies, if I have a U.S. Bank account, I should be able to redeem my rewards points from a U.S. Bank credit card as a direct deposit into my U.S. Bank account. The amount I should be able to redeem for with XXXX points is {$880.00}. I have been trying for months to redeem those rewards into my U.S. Bank XXXX XXXX XXXX account. I have tried through the website ( using different browsers ) as well as through the app. However, everytime I have tried I get a message on U.S. Bank 's website which says either, " Sorry, an error occurred while processing your request. Please try again shortly '' or " An unexpected error occurred. '' I called U.S. Bank sometime in XX/XX/XXXX to try to resolve the problem and the customer service representative said they couldn't figure out how to assist and it was possible that their system was undergoing maintenance at the time and that I should try a few days later. It was not fixed a few days later and the issue persisted. I then called again on or about XX/XX/XXXX to attempt to resolve the problem and the customer service representative said that they were going to put in a manual request and that I it should be fixed by the end of the following week and that the rewards should be redeemed to my checking account. It still was not fixed and the rewards points are still sitting in my credit card account and unable to be redeemed. I then made an appointment at a physical branch location on XX/XX/XXXX to try to resolve the issue and the employee could not fix the issue and tried calling different U.S. Bank representatives while I was sitting at his desk and they still could not fix the issue while I was there. I have wasted numerous hours of my time in attempting to be able to redeem the rewards that I am entitled to and still do not have access to those 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 non-monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: NY

Complaint narrative:
I feel like my rights are being violated, 15 U.S.C. 1692g ( b ) of the FDCPA requires debt collectors to cease collection activities and provide proper validation of the debt when requested in writing within XXXX  days of initial contact. These accounts Im talking about are not XXXX XXXX accurate. Until you provide competent evidence that validates the debt that Includes a signed agreement, full account history, and verification of your authority to collect. You must cease all collection efforts and remove the information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company communicating payment assistance or payment extension options
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
On the XXXX of XXXX my car was repossessed I try to call the next day to get it back and even offer to make a payment I was denied for like 3 days so after 3 days the let me do a application to try to get the car back sent over the insurance letter and did everything they asked the told me the amount I said okay because I needed my car back and I had the money on hand but for some reason the denied my application and try to say my car was 91 days passed due but they never let me even try to pay anything before it got to that point I also never got an email or calls before repossession

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: FL

Complaint narrative:
I am filing this formal complaint against Block, Inc. ( Cash App ) regarding a platform-induced error resulting in a {$1100.00} loss ( Case # XXXX ). This narrative details how engineering failures led to an unauthorized selection error.

1. The Hidden Transaction ( XX/XX/XXXX ) The recipient, XXXX XXXX ( $ XXXX ), is a contact I have not seen or interacted with in two years. 
The only historical link was an incoming XXXX payment from XX/XX/XXXX. 
This specific XXXX transaction is hidden and does not appear in my visible transaction history or statements.

2. The Logic Failure ( XX/XX/XXXX ) On XX/XX/XXXX, I attempted a {$40.00} transaction for a XXXX XXXX ( labeled " XXXX  '' ) intended for a church in XXXX. 
This transaction was canceled, yet Cash Apps algorithm used this " ping '' from six months ago to refresh the stale, XXXX XXXX contact ( $ XXXX ). 
3. The Selection Inducement ( XX/XX/XXXX ) Today, I attempted a routine transfer of my paycheck to my verified secondary account ( $ XXXX ). 
Despite having zero successful outgoing history with XXXX XXXX, the " Smart Suggestion '' algorithm promoted him to the # 1 spot on my list.

This induced a selection error for my entire paycheck of {$1100.00}.

4. The Violation of Regulation E This represents a computational and clerical error under 12 CFR 1005.11.

The app 's interface created a " hallucination '' of relevance by linking a XXXX church donation to a stale XXXX contact that was hidden from my view. 
5. The Human Stakes These funds are my entire paycheck, required for my XXXX mothers rent and family stability after my fathers recent death. 
I request that the CFPB review this as a systemic " Unfair or Deceptive Practice '' regarding the use of obscured data to influence high-value consumer transactions. I'm filing a complaint after I've also notified customer support with cash app as well just wanted to let you know that. 

Sincerely, XXXX XXXX XXXX Cash App Account Reference : $ XXXX XXXX. 
Refund ID : # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: NC

Complaint narrative:
In XX/XX/XXXX, Credit Collection Services ( CCS ) generated a collection notice dated XX/XX/XXXX regarding an auto loan. I did not receive this notice until XX/XX/XXXX. 

I did not receive any phone calls from CCS prior to receiving the written notice, and I had no prior written communication from CCS regarding this account. 

The last phone contact I received was from the original lender, XXXX XXXX, on XX/XX/XXXX, after the account had allegedly been transferred for collection. During this time, I was unable to obtain clear information regarding who owned or serviced the account or how payment could be made. 

The CCS letter claims I owe over {$40000.00}, an amount that does not account for a {$5500.00} warranty credit applied to principal or documented payments made prior to the account leaving the original lenders servicing. The claimed balance is mathematically inconsistent with the original loan amount and known credits. 

Additionally, my credit report reflects a last payment dated XX/XX/XXXX, even though no payment was made on that date and the account had already been reported as closed prior to XX/XX/XXXX. I did not have access to the account at that time and could not have made a payment. 

Upon receipt of the CCS notice, I submitted a timely written dispute and request for debt validation. In accordance with the instructions in the notice, I am also submitting my dispute electronically on XX/XX/XXXX via XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Timeline and Amount : - Transaction Amount : {$72.00} ( comprising a {$69.00} drop fee and a {$2.00} " Admin Fee '' ). 
- Initial Dispute Date : XX/XX/XXXX. 
- Chase Decision Date : XX/XX/XXXX. 
- Follow-up Call Date : XX/XX/XXXX. 


What happened : I am disputing a predatory towing charge where the merchant, " XXXX XXXX XXXX, '' engaged in deceptive practices and illegal billing. 

1. Failure to Address Deceptive Practices : My initial dispute provided clear photographic evidence ( XXXX XXXX View vs. current video ) proving that the regulatory signage at XXXX XXXX XXXX was missing from the specific parking spot, creating a visual trap. Chase summarily closed the case on XX/XX/XXXX, claiming " services were received '', completely ignoring that the transaction was induced by merchant misrepresentation. 

2. Facial Illegality of Fees : The merchant 's receipt ( Exhibit C in the attached PDF ) explicitly lists a " 4 % Admin Fee '' ( {$2.00} ). Under Ohio Administrative Code 4901:2-24-03 ( C ), towing services are strictly prohibited from charging any administrative surcharges for non-consensual tows.

3. Superficial Investigation and Refusal to Correct : On XX/XX/XXXX, I contacted Chase to point out this specific illegal fee which makes the entire billing amount invalid under state law. The representative admitted that the bank " did not have the right '' to dispute towing fees and only offered to refund the {$2.00} fee itself, while refusing to reopen the investigation into the underlying illegal transaction. 

Conclusion : Chase failed in its duty to conduct a good-faith investigation into a transaction containing facially illegal surcharges. By validating a transaction that violates Ohio consumer protection statutes, Chase is enabling predatory merchant behavior.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-30 00:00:00
Product: Prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: REGIONS FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was employed by a staffing company named XXXX as a XXXX XXXX and was offered a prepaid card for my wages weekly tho I insisted I have a bank account I was refused to add my bank. I then got paid in the amount of {$370.00} for my worked hours. I had to double check my funds due to unauthorized text messages I received about my card and I realized all my funds is gone. I immediately logged into my profile and realized an unauthorized transaction was made an an atm at an unknown location in XXXX NJ. I filed a dispute with FINWIST and I was denied help.

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 2026-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
A friend received a settlement from an injury of {$9300.00}. The lawyer wrote him a check, he has no way to cash it so he endorsed it to me and I deposited it in Citizrlens bank savings account on XXXX, XXXX The bank put a hold on it until XX/XX/XXXX them extended it to XX/XX/XXXX. 
We both presented ourselves to a citizens bank manager to confirm ID. 
There is no reason for the funds to still be held.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: FL

Complaint narrative:
So far as I know Monday morning around XXXX XXXX I was on the cash app account. I withdrewed the money I went to use. The card that is is is from cash app. The transactions continue to be declined so I called cash app to find out what was going on. They said it went to another card. I have no other cards or Banks linked to this cash app account so I've been constantly calling now and they've been constantly giving me a runaround. They're not answering my questions nor have they tried to satisfy the matter. It's been well over 48 hours and they still haven't contacted me to inform me where my money is

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Supplemental Update Ongoing Reversals During CFPB Review During the pendency of this CFPB investigation, JPMorgan Chase Bank , N.A . has continued to reverse provisional credits and chargebacks previously applied to my account ( s ). These reversals have occurred on numerous posting dates, including today ( XX/XX/year> ) an additional {$1000.00} reversed during CFPB review. 

My Chase account ending in XXXX increased from {$43000.00} at XXXX PM to {$44000.00} at XXXX PM, reflecting a {$1000.00} balance increase caused by a provisional credit or chargeback reversal, as shown in the attached screenshot ( s ). 

In aggregate, provisional credit and chargeback reversals during the CFPB review period now exceed approximately {$71000.00}, based on Chases own postings. The repeated application and removal of credits has caused ongoing balance instability and demonstrates that Chase has not completed a single, stable, or documented investigation, yet continues to take adverse account action while this matter remains under regulatory review.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: InDebted Corporation
State: CA

Complaint narrative:
I do not know why this company indebted is harassing both my mom and my sister for no reasons. They had been calling my mom and my sister with different phone number to collect the debt for {$69.00} for XXXX company. They have no business to contact my mom nor my sister. They sent a package to my mom 's house that listed my personal information and on the statement even listed my current address. I don't know why they didn't send it to my address but sent it to my mom. Thus, they attack my older sister the same way. They sent her a lot to text, and email with my personal information. Both of my mom and sister were shocked because they didn't know why this debt collector is going after them. I didn't really authorize them to explode or share my personal information with anyone even my family member regarding the debt for {$69.00}. This company violated the the personal privacy and now they come after my mom and sister instead of contacting me directly when they have my current address, email and phone number. I sent cease and desist letter but they would not stop harassing my family members. My mom and my sister should not be harassed regarding this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Relay Financial (US), Corp.
State: CA

Complaint narrative:
SYSTEMIC NEGLIGENT MANAGEMENT, ADMINISTRATIVE HARASSMENT, AND UNLAWFUL RETENTION OF {$72000.00} IN OPERATING XXXX  Overview of Harm : I am filing this complaint to document a severe pattern of Unfair, Deceptive, and Abusive Acts or Practices ( UDAAP ) by Relay Financial ( Partner : XXXX XXXX  ). For the past two months, I have been subjected to administrative sabotage, misinformation, and systemic negligence that has culminated in the unilateral closure of my business account and the unlawful withholding of {$72000.00} in operating XXXX. 

Timeline : XX/XX/XXXX - XX/XX/XXXX ( The First Sabotage ) : I initiated a wire for {$69000.00} to my supplier, XXXX XXXX XXXX  XXXX, for machinery I had purchased from them. On XX/XX/XXXX, at the close of business, Relays compliance team cancelled the wire while simultaneously sending an email requesting documentation, denying me any window to respond and causing immediate reputational damage with my supplier. 

XX/XX/XXXX- XX/XX/XXXX ( Administrative Incompetence ) : I spent hours on the phone with support agents who gave false assurances that the transaction was " successful '' when it had already been killed. Because Relay refused to process the initial wire, I was forced to resubmit a second wire attempt for {$59000.00} to maintain my business relationship. 

XX/XX/XXXX - XX/XX/XXXX ( The Pattern of Harassment ) : Even after the second wire ( $ XXXX ) was successfully processed and my supplier received the funds, Relays compliance team continued to harass me with redundant information requests for the initial $ XXXX wire, a transaction they had already cancelled and for which the funds had already returned to my account. This redundant " investigation '' into a dead transaction proves a total lack of proper documentation practices and negligent oversight. 

XX/XX/XXXX ( The Regulatory Precedent ) : Relay successfully cleared a subsequent, significantly larger wire of {$330000.00} to the same beneficiary ( XXXX  ). By their own actions, Relay verified and cleared my business activity and the beneficiary relationship. 

XX/XX/XXXX- XX/XX/XXXX ( Bad Faith Closure ) : Weeks after the $ XXXX wire settled, Relay placed a new " temporary hold '' on my account for the same verified activity. After I complied with their redundant requests on XX/XX/XXXX and XXXX, Relay closed my account today, XX/XX/XXXX ( Ticket XXXX ). 

Current Illegal Status of Funds : My account held {$72000.00} at the time of this punitive closure. Relay is now withholding these funds for a " 45-day investigation ''. Given that the beneficiary was already vetted and a $ XXXX wire was completed weeks ago, there is no regulatory basis for this hold. This is a retaliatory seizure of property intended to punish a customer for exposing internal incompetence

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Dave Operating, LLC
State: TX

Complaint narrative:
They made an error and done nothing to correct this. I've given them all necessary information for my account three times, nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
Complaint Summary : I am filing a complaint regarding unfair fees, lack of required notification, and refusal to close my account without payment. 

I originally opened a small Union Bank account in XXXX with approximately {$130.00}. After U.S. Bank acquired Union Bank, the account remained inactive for years with no fees charged. 

Sometime in XXXX, U.S. Bank began charging monthly maintenance fees ( about {$12.00} ) and dormant account fees ( about {$5.00} ) without notifying me of any change in terms. I received no mailed notice, email, phone call, or other communication advising that fees would begin. These fees drained the entire {$130.00} balance and pushed the account negative. 

When I contacted U.S. Bank, I was told they would not consider reversing fees unless I first paid money to bring the account back to XXXX. I visited the U.S. Bank branch on XXXX XXXX XXXX XXXX XXXX and was told they would not close the account unless I paid the negative balance. I was treated dismissively by branch staff and the branch XXXX. 

I ultimately had to call U.S. Banks XXXX number to close the account. They closed it but refused to refund any fees. 

My complaint is that : XXXX. Fees were applied to an inactive, low-balance account without notice. 
XXXX. My original balance was entirely consumed by bank fees. 
XXXX. I was pressured to pay additional money before any review would occur. 
XXXX. The branch refused to close the account unless I paid. 

I believe this constitutes unfair and predatory practices.

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 2026-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: MoneyLion Inc.
State: NY

Complaint narrative:
My account was flagged as compromised through no fault of my own. I was asked to submit a verification form and did so twice. I was told both times it was not received. I have requested an alternative way to submit my ID, but I am repeatedly directed to resubmit the same form. I still do not have access to my account or 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