vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Credit Karma, LLC
State: GA

Complaint narrative:
My account with Credit Karma money was overdrawn by {$14.00} in XX/XX/XXXX I received a notice XX/XX/XXXX of XXXX. That said my account was frozen for my protection. The listed reason was overdrawn account. I contacted them the second week in XX/XX/XXXX. I asked them how do I resolve the issue and gain access back into my account the gentleman indicated that once I make a deposit for {$14.00} or a larger amount that the account would be unfrozen immediately yesterday XX/XX/XXXX I received a {$1500.00} deposit from an advanced refund loan for my XXXX tax refund that was in partnership with Credit Karma and XXXX obviously it cleared the negative and gave me a positive balance. The account is still frozen. I have talked to 10 maybe 20 representatives to supervisors included the first person. I spoke to said it would be ready and available for you in one hour. The next person told me that it would take place ASAP and then Im gon na receive an email. I spoke to this morning said that there is no set timeframe for unfreeze the account that I should just check my account and my email daily and wait so when I ask a woman is it 12 to 24 hours 48 business hours 7 to 10 business days six months a week a year she said there is no indefinite timeframe that if she wants to give me a timeframe it would be setting unrealistic expectations for the customer so essentially I have {$1400.00} in my credit card on my account. It is locked/frozen because it was overdrawn. It is no longer overdrawn and I can not access my money and there is no foreseeable future timeframe as to when I can access my money. This is absolutely ridiculous. This is a very bad business practices. How do you hold somebodys money hostage I didnt do anything wrong. I did my part now they need to do that and I just have to keep waiting waiting for how long at least if they said it was gon na take you know 24 to 48 hours 72 hours 3 to 5 business days turnaround timeframe that would be acceptable, even though I was initially told immediately at least they would be some kind of form of expectations. I have XXXX expectations. I know nothing. I dont know how long its gon na take. You cant speak to somebody in the resolutions department. You just have to wait who has time to wait especially in the economy that we live in today. I need that money. I have XXXX children and it came at a perfect time that we needed the most and now we cant use it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear CFPB. I need a lawyer for this matter. Wells Fargo they did not communicate with me properly. They want documentation, but they kicked log in into my account to print out all the chargers on my account which is almost XXXX XXXXXXXX. They said, they will follow up with to whats going on with the fraud activity but they never did. I have proof no communication with them. And treated me XXXX with all my money is gone. And closed the account. Yes how am I going to send documentation when they wont allowed me to long in on my account? 


XXXX uploading the mail they sent to me before my complaint they closed in previous one, they never contacted me yet for the matter.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
In XXXX  XX/XX/year>, I received a new debit card from BMO Harris Bank. After returning to college, I made a high number of legitimate transactions over a short period, including transfers, person-to-person payments, and everyday purchases. All of these transactions were authorized by me. 

Shortly after, my account was placed under a fraud restriction and converted to inbound-only status. I can receive deposits, but all outbound access is blocked, including debit card purchases, transfers, XXXX, and XXXX. 

Between XXXX and now, I have called BMO Harris Bank multiple times. On each call, I verified my identity and confirmed that all transactions were legitimate. Despite this, the restriction has not been lifted. Representatives stated that the only way to restore access is by visiting a BMO branch.

There is no BMO branch within approximately 80 miles of my location, making in-person resolution impractical. No remote alternative, temporary access, or bank-assisted payment option has been offered. Requests for escalation to a supervisor or fraud risk specialist were denied or redirected without resolution.

As a result, I currently have no ability to access my own deposited funds for basic living expenses such as food and transportation, even though sufficient funds are available in the account.

I am requesting immediate restoration of outbound access to my funds or a temporary solution that allows me to pay for essential needs while the fraud review is finalized.

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 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Transform Credit Inc.
State: GA

Complaint narrative:
VALIDATION AND CEASE AND DESIST Collection agency name : Address : Account number : Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. Please supply me with a copy of any contract or agreement signed with your company or the original creditor. In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor. 2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 4. Proof that the original creditor securitized the debt. 5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. Please cease and desist from collecting on this debt until you have provided validation of the debt. Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: OH

Complaint narrative:
This issue is about Cash App services such as afterpay convert 2 pay over time, I had been using it for about a month in the description, they say, if you use {$25.00} or more on a qualifying purchase which they don't really leave too much information about what them purchases would be, but I think you would get your money back and a pay XXXX time agreement. I've spent {$25.00} on gas {$25.00}, XXXX cents on XX/XX/XXXX XXXX XXXX, and was supposed to get this money back as I believed so I went ahead and spent it and was going to use the money when I got it back to pay Aim with them on the after pay.Well, this wasn't able to be done because they didn't convert it now.I 'm behind and this is very misleading and puts me in a very tough spot.I don't understand how they think they could get away with this.I tried to talk to them.I could do was talk on chat.They have a robot talking to me.It 's frustrating.I need something done about this

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
date opened XX/XX/year> I believe this account amount to be incorrect and do not agree with any amount owed. I am stressed out because this company is violating my rights Under 15 U.S.C. 1681s- 2 ( a ), data furnishers are required to report only accurate and complete information.

Reporting unverifiable or inaccurate data is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am filing this complaint because Bank of America has restricted my account and is withholding my legitimate funds after I became a victim of a check fraud scam. 

I applied for what I believed was a legitimate job called XXXX XXXX after receiving an email advertisement. I was later emailed that I was accepted and informed that I would receive a package containing a check and instructions. I received the package with a paper check and instructions and was unsure whether it was legitimate. I asked a family member for advice and was told it appeared real. We went together to the bank and deposited the check in person. 

About a week later, the check did not clear, and when I contacted the bank, I was informed that the check was being returned. I did not withdraw or use any funds related to the check. At that point, I understood that something was wrong and did not proceed further. 

Separately, I sold my personal laptop, which is how I obtained the {$300.00} that was in my account. This {$300.00} was unrelated to the fraudulent check and came from my own property sale. 

Shortly afterward, my account was locked, and I was informed this was due to suspected fraud. I am not disputing that the check was fraudulent. I am a victim of a scam and have email documentation to support this. 

I am requesting the release of my legitimate {$300.00} balance that existed independently of the fraudulent check. I am fully cooperating and willing to provide supporting documentation, including emails, a written timeline, and fraud reports. 

I respectfully request that Bank of America review my case as a scam victim and release my pre-existing 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 monetary relief
Consumer complaint received 2026-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am the XXXX of the XXXX XXXX XXXX XXXX. A scammer used my organizational email address to email a request for wire transfer of {$16000.00} to our treasurer. She completed the wire transfer from our account at XXXX XXXX XXXX XXXX XXXX to an account at a PNC Bank on XXXX XX/XX/2025. She then sent me an email to my non- organizational email requesting a receipt. I told her I didn't have a receipt and that it was a scam. The funds were transferred to PNC but because the owner of the account did not have a receipt the funds were placed on hold and have not been returned to us although we have requested their return. Both the XXXX XXXX XXXX  and the bank are at fault because the wire transfer was to an account listed on the wire transfer was to the XXXX XXXX XXXX XXXX which is not the name on the PNC account. Both the XXXX XXXX XXXX and the bank failed to protect us since they should have noticed the wrong name on the account. PNC Bank is not returning our funds because they can't get in contact with the owner of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: SEACOAST BANKING CORPORATION OF FLORIDA
State: FL

Complaint narrative:
We applied for the debt consolidation loan ( mortgage ) on XX/XX/year> and closed on XX/XX/year>. The debt consolidation included refinancing a Home Equity Line of Credit by the same bank. Throughout the process, the loan officer was not able to answer questions about why certain fees were being charged. She told us " that's just the way it's done. '' I'm writing to you because I am uncomfortable asking them any more questions because I feel that I will just get the run around. 

I have XXXX basic questions to have answered by the bank. 

XXXX. I paid a {$400.00} application fee which they took from my checking account. But they took {$620.00} without telling me about the increase. When I asked them why there was more taken out, the loan officer told me it was " XXXX XXXX internal engine. '' Taking the extra money hurt our family financially and we struggled to make ends meet until the next paycheck.

2. They charged {$490.00} in Tax Stamps on the full amount of the loan. However, we had already paid {$260.00} on the HELOC loan that was refinanced into this mortgage. I don't know what this charge is and the loan officer was not able to give a clear answer. 

XXXX. We elected to have the closing at our house instead of going to the Title Company. We were not told that to have a mobile Notary come to our house, would be {$200.00}. This was never explained and it was not on the Good Faith Estimate. 

XXXX. We have always paid our own Home Owners Insurance and Property Taxes and we did not want an ESCROW on the mortgage. I questioned the loan officer as to why they kept having Taxes and Insurance in the Escrow section of the Good Faith Estimate and she assured me that it would be removed. When we did the closing, the Taxes and Insurance were still on the paperwork. When I asked the Loan Officer again, she told me that they had to cover the rest of the Insurance and pay the Taxes for the year in order for the loan to go through. This was never explained to me in the beginning and it was not something that we asked for. These payments were deducted from the cash out that we were using to pay out debts. Because of the shortage, it caused undue stress and financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Affirm Holdings, Inc
State: OK

Complaint narrative:
Previously filed the complaint with CFPB on complaint XXXX XXXXXXXX on XXXX XXXX XXXXXXXX with Affirm Inc . The company replied on XX/XX/XXXX to the complaint stating that they take responsibility for their error and would resolve the matter. It has now been XXXX  days since the last reply and the error has still not been corrected. The company has been aware of, and responded that they were attempting to correct this error since XX/XX/XXXX and has failed to do so XXXX  months later.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 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: OH

Complaint narrative:
I am filing a complaint regarding Discover Cards handling of a billing dispute for merchandise that was never received. 

On XX/XX/year>, I used my Discover credit card to make a {$55.00} purchase from XXXX. A box was shipped with accessories ( batteries, antennas, etc ) for a two-way radio but the actual radio was missing from within the box. I attempted to resolve the issue with the merchant but did not receive the merchandise or a refund. 

Initially, I contacted XXXX within a few hours of the partial shipment and sent photos of the box contents. They subsequently asked for photos of the delivery container with the shipping label visible which was sent. XXXX claimed that they were investigating my claim and would get back to me. When I would ask for updates on my case, the response came back " be patient ''. After 60 days passed with no response, I sent another inquiry for status and was " ghosted '' by XXXX with no response. After I filed a dispute with DISCOVER CARD, XXXX resumed communication and at that time I asked to have my order canceled and an XXXX pre-paid shipping label to return the incomplete kit. They have failed to respond to my last email message from XX/XX/year>. I have attached the email correspondence to this complaint. 

I timely filed a dispute with Discover for goods not received. Despite the fact that I did not receive the item and no valid proof of delivery to my address was provided, Discover denied my dispute and held me responsible for the charge. 

Discover has not demonstrated that the merchant provided evidence of successful delivery. The response they forwarded to me from XXXX with their delivery evidence was not legible and so I do not have an idea what they said. Denying a dispute under these circumstances is inconsistent with the Fair Credit Billing Acts requirement that card issuers conduct a reasonable investigation of billing errors. 

I am requesting that Discover : Reopen and properly review my dispute under the goods not received category Reverse the {$55.00} charge, or require the merchant to provide valid proof of delivery to my address Correct any negative credit reporting related to this charge, if applicable I am attaching any available documentation supporting that the goods were never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Rent Recovery Solutions
State: FL

Complaint narrative:
To : XXXX To Whom It May Concern, I am writing to formally dispute several accounts that appear on my credit report but do not belong to me. I have recently become a victim of identity theft, and these fraudulent accounts were opened without my knowledge, authorization, or consent.

These accounts are negatively affecting my credit standing, and I am urgently requesting a full investigation into each disputed item. I ask that these accounts be removed from my credit report immediately, as they are the result of criminal activity and do not reflect my financial history or behavior.

I have no knowledge of these accounts, and I did not open them. I am prepared to provide any documentation needed to support this dispute and assist in resolving the matter as quickly as possible.

Thank you for your prompt attention to this serious issue. 

Sincerely, XXXX XXXX

Company response to consumer: Untimely response
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
On XX/XX/year>, Caine & Weiner contacted me about an alleged debt of {$230.00}. I do not recognize this debt and am uncertain if it is accurate. 

I sent a written Cease and Desist letter the same day, requesting that they stop contacting me and provide proper verification of the alleged debt. I asked for : The name of the original creditor The amount of the debt Proof they have the legal right to collect it Documentation of any payments or transactions applied Caine & Weiner has not provided the requested verification and has continued collection efforts. 

I am requesting that Caine & Weiner provide written verification of the debt and cease collection efforts unless they can validate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I am the account holder. On XXXX XXXX XXXX, {$1000.00} was withdrawn from my checking account as a gift to pay for a cosmetology class for my great-grandchildren, who are the children of my granddaughter. I authorized my granddaughter to handle the arrangements for this gift on my behalf. 
The merchant advertised that only a deposit was required to book the class, with the remaining balance due later. However, the merchant refused to accept a deposit and required full payment upfront in order to secure the booking. 
The class never occurred. No instruction, training, or services were provided. When the charge was disputed with Regions Bank for services not rendered, the dispute was denied based on documentation submitted by the merchant claiming that the services had been provided. This claim is false. Although a date was discussed by text, no instructional materials, links, location details, reminders, or follow-up communications were ever provided, and the class did not take place. I subsequently booked a replacement class with another provider. 
In addition, the initial dispute was not filed correctly. There were two separate transactions paid from different accounts for different services, but the dispute was processed as one combined transaction. This allowed the merchant to reference services that were rendered under one transaction while falsely claiming that all disputed services were provided. This error materially affected the outcome of the dispute. 
I followed up in person at a Regions Bank branch and requested an explanation and the documentation relied upon in denying the dispute. I was advised that written confirmation would be mailed to me. As of today, that information has not been received. 
I am requesting that Regions Bank review its handling of this dispute, including its reliance on merchant-submitted documentation, correct the dispute classification, and reconsider the decision regarding the {$1000.00} charge for services that were not rendered.

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