vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.

Complaint narrative:
Complaint Summary Unaccounted Funds Held by Coinbase XXXX This is a complaint against Coinbase , Inc. Cryptocurrency exchange and regulated financial service provider On XX/XX/year>, a Bitcoin payout was sent to my Coinbase account by a third-party platform ( XXXX ) as payment for work performed. 

Amount : USD XXXX ( approximately XXXX XXXX ) Transaction hash provided by sender : XXXX Coinbase marked the incoming transaction as failed due to account restrictions and never credited the funds to me. I never gained access to, control over, or use of the funds. 

Current problem : Despite multiple support requests and open tickets, Coinbase has failed to clearly account for the funds. Specifically : Coinbase has not confirmed whether the funds were : rejected and returned to the sender, or held internally by Coinbase, or transferred elsewhere. 

Chat support is unavailable and automatically closed. 
Email responses redirect to a help portal without providing clarification. 

As a regulated financial institution, Coinbase must be able to account for the status and location of customer funds. At this time, the funds are unaccounted for. 

Steps taken Multiple support tickets submitted via Coinbase Help Center Follow-up emails requesting clarification No substantive response received

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I am submitting this complaint regarding inaccurate credit reporting related to a debt that I do not owe. 

A collection account from Jefferson Capital Systems LLC has been placed on my credit report, allegedly originating from XXXX XXXX. I dispute this debt in its entirety, as I have never owed a personal XXXX XXXX with the amount being reported, nor have I received valid documentation proving that this debt belongs to me. 

This debt continues to appear on my credit report and has negatively impacted my credit profile. 

Thank you for your assistance in helping resolve this matter. I have included a copy of the debt claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On Friday XX/XX/year> around XXXXXXXX XXXX I initiated a mobile check deposit in the PNC app. My check was placed on hold with no reason explaining why the hold occurred in the first place. I contacted my local PNC Branch in XXXX NJ. They did nothing for me. I contacted PNCs XXXX number for customer service on Saturday morning XX/XX/year> around XXXX XXXX  and was told the reason for the hold was because PNC needed to contact my employer keep in mind at this point I have XXXX in my account and bills to pay. This morning I called and got the same answer and I even tried to provide numbers from HRs payroll department but was told it was unacceptable and then the male representative abruptly hung up on me showing ZERO respect or customer service skills. So not only was I just disrespected and hung up on but now Im still broke, Hungry, and unable to pay my bills. They didnt even at least make some of my check available to me they just completely disregard my situation and PNC doesnt even care!! They must be held accountable. This isnt right!!

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Other advances of future income
Issue: Problems receiving the advance — 
Company: Line Financial, PBC
State: TX

Complaint narrative:
Beem offered me an {$85.00} XXXX XXXX XXXX  through their app. When I initiated the withdrawal, the {$85.00} was deposited into my bank account and then reversed seconds later, resulting in no usable funds being received. I never had access to or use of the money. 

Despite this immediate reversal, Beem debited {$89.00} from my bank account ( {$85.00} principal plus a {$4.00} transfer fee ), treating the transaction as if the funds were successfully delivered. This charge should never have occurred. 

Because the {$89.00} was improperly taken, I needed that money to pay bills. As a result, I was forced to borrow funds again, which triggered an additional {$4.00} transfer fee. Once those funds were borrowed, I was unable to close my account, despite my intent to do so. 

While this issue remained unresolved and the account could not reasonably be closed, Beem also charged a {$7.00} subscription fee. 

I contacted Beem customer support multiple times. Phone support is effectively nonfunctional and only routes to a scripted voicemail. Email responses are delayed and appear to be copy-pasted scripts that do not address the reversed funds, the improper debit, or the resulting fees. I was repeatedly told the issue was under review with the tech team, but no resolution or timeline was provided. 

As a result of Beems actions, I was charged for funds I never received and incurred additional fees solely because the original improper charge prevented timely account closure. 

I believe this represents unfair and deceptive billing practices, improper debiting of consumer funds, and failure to provide reasonable customer support.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
My credit card account has been in perfect standing and always has been. I went to make the payment and discovered the account had been frozen due to a bankruptcy. I immediately called. I was told there was a bankruptcy filed in a company name that matched the name that is on my card. My card is held under my personal social security number. Capitol One would not release the hold or verify the other companies ' information. I am not a part of the Bankruptcy or the company. This account has always been held under my personal social security number and paid on time. Capitol One refuses to release the account. They will not provide documentation showing my name, social security number linked to any bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BANK OF AMERICA EDD DEBIT CARD AND FRAUDULENT ACTIVITY ON MY CARD BANK OF AMERICA HAS BEEN OROVIDED POLICE REPORTS AND OTHER PROOF THAT I DID NOT SPEND MONEY ON MY EDD DEBIT CARD BUT STILL DENIES ME MY FUNDS THEY REPEATEDLY SENT MY CARD TO THE WRONG ADDRESS AND WOULD NOT ACCEPT A CHANGE OF ADDRESS FROM ME THOUGH I PROVIDED THE ADRESS WITH EDD AND BANK OF AMERICA THEY STILL REFUSED TO SEND MY CARD TO CORRECT ADDRESS BANK OF AMERICA REFUSES TO GIVE ME ACESS TO MY FUNS STARTING XX/XX/year> THROUGH PRESENT I HAVE SINCE REQUESTED DISPUTES ONLY TO BE DENIED I HAVE NOT RECEIVED ANY OF MY FUNDS FROM EDD BECAUSE OF BANK OF AMERICAS NEGLECT TO PROPERLY HANDLE MY FUNS OR ACESS TO IT I WANT BANK OF AMERICA TO GIVE ME MY FUNDS THAT WERE AWARDED TO ME BY THE STATE OF CALIFORNIA EDD

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 2026-01-26 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: MO

Complaint narrative:
One Main has called repeatedly 4 times a day some days. When I spoke with them they advised me they could call up to 5 times a day. In the past 7 days they have called 18 times.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
I disputed XXXX separate accounts with Midland Credit Management in writing and requested validation. Midland received my certified dispute on XX/XX/year>. 

For XXXX account, Midland previously responded only with billing statements and a generic bill of sale. No signed agreement, no proof that I agreed to the debt, no account-level chain of assignment, and no documentation establishing Midlands legal authority to collect were provided.

For the second account, Midland provided no documentation whatsoever. 

Despite failing to properly validate either account within the required timeframe, Midland continues to report both accounts to XXXX XXXX XXXX XXXX 

Billing statements and generic sale documents do not constitute proper validation under the Fair Debt Collection Practices Act nor a reasonable investigation under the Fair Credit Reporting Act. 

I am requesting immediate deletion of both unvalidated accounts from all consumer reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: MN

Complaint narrative:
I deposited a check for {$1100.00} on XX/XX/year>. I was promised on the app that the funds would be available by today. Turns out, they won't be available until XXXX today. 

I'm aware that they're obligated ( absent legitimate justification ) to release {$220.00} immediately. They did not. They've just kept my money, even though I know the check cleared. I asked why they're not releasing even that small amount, and I was given a runaround answer that provided no information.

They are breaking the law. This is not acceptable. I'm a XXXX XXXX father, and I explained that I'm dealing with financial hardship. I was given scripted sympathy, but no real answers as to why they're just keeping my money despite the federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Block, Inc.
State: VA

Complaint narrative:
I am filing this complaint regarding Cash Apps ongoing and unexplained restriction of my personal account and funds. Cash App has frozen my access to funds, deactivated all associated debit cards, and prevented ATM withdrawals and transactions for over XXXX ( XXXX ) months. 

Since approximately XXXX [ XXXX  ], Cash App has restricted my account without providing a clear explanation, timeline, or meaningful resolution. My account continues to receive recurring direct deposits from my employer, and the amount of money frozen varies bi-weekly and monthly depending on each payroll deposit. These funds are my personal earnings and are essential for basic living expenses. 

Despite repeated inquiries, Cash App has failed to provide specific reasons for the restriction, failed to disclose what information or documentation is allegedly required, and failed to resolve the matter within a reasonable timeframe. Recently, Cash App sent an email stating they will not take further action on my account for an additional 30 business days, despite the fact that this issue has already been ongoing for more than seven months.

Cash Apps conduct constitutes an unreasonable delay, failure to provide access to consumer funds, and failure to provide required disclosures regarding account restrictions. This prolonged deprivation of access to my own money has caused ongoing financial harm.

I am requesting that Cash App be required to immediately release my funds or provide a lawful, specific justification for continued restriction, along with a definitive resolution timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I have three different witnesses at BMO rejecting the amount left in my account. Saying they could not find the check and I found the proof at my grandmas house, a residence I used to live at. It was never sent to my address but I updated my address change address in XXXX of last year., so Im confused why I had to go thru any of this back and fourth for funds that did nothing but gain interest in BMO Bank. Im ready to end my business with this company due to the stress, lack of accountability for closed funds in personal accounts. XXXX would mean a lot to anyone right now, and Im still on hold trying to figure out who I speak to about this because my car is not mobile from a bad a tire. So I really need this resolved as soon as humanly possible

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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/year>, I looked for tickets for a local hockey event via XXXX. I received a few replies that were clearly from scammers, but there was XXXX reply that seemed very legit. He asked that I send him the {$160.00} payment via Venmo and he would deliver the tickets via email from the XXXX XXXX XXXX XXXX  where the tickets were stored. I should've sent a small payment for XXXX ticket first to check if it was real, which was my mistake. During the payment process I was on the phone with him and began to get suspicious, as I sent the money but he kept requesting the same amount via Venmo and saying he hadn't gotten it since we never paid each other before. I know that's not how Venmo works, so I called him out on it, and the scammer quit replying. 

I immediately contacted Venmo to explain the situation and plead for them to stop the payment, given that it hadn't hit my bank and wouldn't for another few days. They declined to stop it as they said I meant to send it to the person, ignoring that I only sent it for goods and services and didn't receive the services as promised. I then contacted my bank, XXXX XXXX, who were thankfully able to put a " stop payment '' order for the amount. Because of XXXX XXXX, the money was not taken out of my account, which I was very grateful for as I'm not doing well financially right now and I was only buying the tickets for a friend that would reimburse me in full- which didn't happen given that there are no tickets. 

A few days ago, I received a notification from Venmo that they had paid the scammer in my place and now required the {$160.00} from me to restore my account. I pointed out that I had immediately contacted them asking to reverse the transaction, but they keep replying that there is simply nothing they can do and I need to pay them. They did tell me that if I pay the {$160.00} they will " reconsider the case, '' but this feels weird to me as I tried to do everything in my power to explain that this was a scam and to stop the payment, and they will not help. They advised I contact the police, but the police can't do anything about this. Venmo also told me to contact the scammer to ask for my money back, which is ridiculous- I already texted the scammer multiple times and he didn't reply. 

I've also sent a request to thXXXX XXXX XXXX XXXX but thought that I would also message you for help as I don't want to lose my account but can't afford this expense- and I don't want a scammer to continue scamming. A few days ago I again pushed Venmo customer service to please report this to their fraud department, as they hadn't offered to do so the other times I contacted them previously- and they said they did, so that's good at least.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have XXXX locked up since my money has cleared and provided in person documents that werent submitted correctly multiple times but because my current id doesnt reflect my current address even tho the rest of my paperwork does they are refusing to unblock my account and according to XXXX  XXXX my id doesnt need to reflect current address my money has been frozen for 90 days now and Ive done everything they asked and Im starving and about to lose housing because of 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 2026-01-26 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CCF Intermediate Holdings LLC
State: TX

Complaint narrative:
I spoke with XXXX XXXX on XX/XX/year> at XXXX and she provide my account information to my mother and father and also my cousin XXXX XXXX I am willing and able to call to settle the debt and there is no reason to reach out to any omen else regarding my debt

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Prosper Marketplace, Inc.
State: MD

Complaint narrative:
A payment of {$980.00} was paid to Prosper credit card on XX/XX/26 using a debit card to use as available credit. On XX/XX/26, the Prosper app confirmed my available credit as {$900.00} but I was unable to use the card. A call to Prosper confirmed they have an internal policy where there is an automatic 10 day hold on next payment when an initial payment fails as it did on XX/XX/26. They dont have this process in writing after making multiple requests to see it. Their customer service says there is no way to remove hold or refund money and there is no internal process to review or dispute this. 

Please investigate as I am concerned that this is an example of : * * * Failure to disclose material account restrictions * * * Accepting payment while denying use of funds * * * No written policy governing the hold * * * No escalation or remediation path I'm not disputing the debt. I'm disputing the improper retention of funds It's literally an undisclosed credit restriction. It also an example of " unfair billing practices when their accepting funds accepted without corresponding access

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 2026-01-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I am submitting this formal complaint against Wells Fargo Bank regarding unfair overdraft fees charged to my checking account, totaling {$67.00}.

The issue originated from a fraud report initiated on my account. As a result of this fraud report, I was required to cancel my debit card. This action was taken to protect my account and was directly related to Wells Fargos fraud procedures.

However, Wells Fargo failed to clearly inform me of critical information after the cancellation : I was not advised that my debit card PIN would be changed I was not informed that the replacement debit card could take more than 78 days to arrive I was left without functional access to my account during this period I had no reasonable ability to deposit funds or prevent overdraft transactions Due to these bank-related service failures and lack of proper disclosure, two overdraft fees were assessed to my account. These fees were not the result of misuse or negligence on my part, but rather the direct consequence of Wells Fargos fraud handling process and failure to provide adequate access or notice. 

I filed an internal complaint with Wells Fargo on XX/XX/year>. On follow-up, I was informed that the bank refused to reverse the fees, citing the account agreement, without addressing the service failures or lack of disclosure that caused the overdraft. 

I believe these overdraft charges constitute unfair banking practices, as the bank did not provide proper notice, access, or reasonable alternatives during a fraud-related card cancellation.

I am formally requesting : A full refund of the {$67.00} in overdraft fees Review of Wells Fargos fraud response and customer notification practices Correction of any negative account history related to these fees This complaint is being submitted due to Wells Fargos refusal to resolve the matter internally.

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 2026-01-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
I received an email saying that my XXXX  account would be charged {$420.00} for a " XXXX '' that I did not purchase. The payment is pending and will be automatically deducted unless I call to stop it. This is the XXXX email I've received like this in XXXX  days. It is from spoofed email address with the name XXXX XXXX. I called the number associated with the first email and got pulled into a very suspicious situation where they needed to get the XXXX address of my computer. This email is the same scenario as the first XXXX.

Company response to consumer: Closed with explanation