vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I, XXXX XXXX, contacted Ally Bank to request information on why the {$300.00} checking account bonus for account # XXXX was not credited. I explained that I fulfilled all the promotional requirements. I opened my new Spending Account on XX/XX/year>. This is my first account with Ally, and I applied the XXXX promo code during the application. I funded the account with {$50.00} XXXX within the required 30 days. I also set up Qualifying Direct Deposits ( XXXX ) totaling at least {$1000.00} per month for XXXX consecutive months, as required. My employer direct deposits posted {$1000.00} on XX/XX/year> and {$1100.00} on XX/XX/year>, both within the required timeframe. 
I also noted that, according to the promotion terms, the cash bonus will be paid into the Spending Account within XXXX  days after reaching the second consecutive monthly {$1000.00} QDD minimum, and this deadline has passed. 
I asked Ally Bank to review why the bonus was not credited despite the fact that I fully met every condition of the promotion.

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 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
On or about XX/XX/year>, an incoming wire transfer was deposited into my Regions Bank account. The wire was legitimate, expected, and verifiable. I provided advance notice to the bank that the wire would occur and later provided full documentation proving the source of funds and my identity. 

More than a week after the wire was processed, Regions Bank placed a restriction on my account, preventing access to my funds. I immediately contacted the bank and was instructed to visit the branch. I went into the branch in person, presented government identification, and provided all requested documentation related to the wire. I was explicitly told by branch staff that the restriction would be lifted by lunchtime that same day. 

The restriction was not lifted. I did not receive a call back. Since that time, I have made repeated attempts to obtain basic information regarding my account status, including the reason for the restriction, confirmation that my documents were received, the department handling the matter, and an estimated timeline for resolution. 

Regions Bank phone representatives and a supervisor refused to provide any information and repeatedly stated that with this type of hold they could only refer me back to the branch. The branch, in turn, has stated they are waiting on a back office department and has provided no timeline or written explanation. As of today, no one at Regions Bank will provide me with any substantive information, despite my in-person visit and full cooperation. 

As a result of Regions Banks actions and lack of communication : I have been denied access to my own funds. 
I was given a specific resolution expectation that was not honored. 
I have been subjected to inconsistent and increasingly unprofessional communication. 
I am at risk of disruption to an IRS tax refund that is scheduled to be deposited into this account. 
I have been left without any written notice, explanation, or resolution timeline. 

I am not disputing Regions Banks right to conduct legitimate fraud or compliance reviews. I am disputing the banks failure to provide transparency, due process, timely resolution, or basic communication after documentation was provided and a same-day resolution was promised. 

I believe Regions Banks handling of this matter constitutes an unfair banking practice. A financial institution should not be able to indefinitely restrict access to customer funds without explanation, documentation, or a clear path to resolution.

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 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Tribal Lending Enterprise, Inc.
State: NV

Complaint narrative:
Tried to do password reset but Im not receiving emails from the password reset link as I switched banks. Also tried to Call them a a few time throughout the week but phone just went straight to voicemail. I sent an email today hoping the respond but making this complaint for them To fix the reset password link and check their phones.

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 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CATHAY BANK
State: CA

Complaint narrative:
I am submitting this complaint against Cathay Bank for wrongfully restricting my XXXX account based on false fraud reports and for failing to resolve the matter despite clear evidence. 

On XX/XX/year>, I was contacted on XXXX ( XXXX ), a peer-to-peer payment and messaging application, by an individual named XXXX XXXX, a XXXXXXXX XXXX customer. I do not know XXXX XXXX personally and have never met him. He obtained my contact information through another XXXX user. 

XXXX XXXX requested to purchase {$110.00} USD worth of XXXX currency ( CNY ) from me at a mutually agreed exchange rate. He initially sent {$10.00} via XXXX, after which I sent him XXXX XXXX through XXXX. He then sent an additional {$100.00} via XXXX. Upon receipt, I sent him XXXX XXXX through XXXX, consistent with the agreed exchange rate. All transaction records and the complete XXXX chat history are included in the attached PDF. 

Several days later, Cathay Bank informed me that my XXXX account had been locked due to XXXX fraud reports filed by XXXX XXXX. These reports are false. After the transactions were completed, XXXX XXXX ceased communication and failed to provide any explanation when I questioned him regarding the fraud claims. 

I contacted Cathay Bank immediately and provided comprehensive documentation demonstrating that the transactions were completed as agreed and that no fraud occurred. Despite this evidence, Cathay Bank stated that it intended to return the {$110.00} to XXXX XXXX without my consent and has continued to keep my XXXX account locked indefinitely. I was also informed that this restriction would remain in place even if I were to change banks, effectively barring me from using XXXX entirely. 

Cathay Bank has failed to provide a reasonable justification for maintaining this restriction or to explain how verified transaction evidence was disregarded. The banks actions have caused financial inconvenience and reputational harm, and I believe its handling of this matter is unreasonable and unfair. 

I am requesting that the CFPB investigate Cathay Banks handling of this dispute and require the bank to remove the unjustified restriction on my XXXX account. 

Company involved : Cathay Bank, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: NM

Complaint narrative:
Re : New Complaint Against Cash App ( Block, Inc. ) Regulation E Violations ( 12 C.F.R. 1005.11 ) : Inadequate Investigation of XXXX XXXX XXXXXXXX Declines ( XX/XX/XXXX & XXXX, XXXX ) ; Denial Despite Sufficient Funds Admission ; Refusal to Provide Documents Dear CFPB Complaint Intake Team : I am filing this new complaint against Cash App ( Block , Inc. ) for ongoing Regulation E and EFTA violations, following my prior complaint and XXXX XXXX disputes over their failed probation payments. On XX/XX/XXXX and XXXX, XXXX, XXXX XXXX  attempted ACH withdrawals of {$900.00} each from my Cash App account ( sufficient balance ~ {$1000.00}, per screenshots/chats ), but Cash App declined both despite my authorizations and reps ' confirmation of funds. Cash App denied my dispute ( final denial XX/XX/XXXX ), claiming " no error/insufficient funds '' ( {$0.00} debited ) without evidence, contradicting their admissions, ignoring similar XXXX declines, and refusing investigation documents ( decline codes, logs, case notes ) despite my requests via their denial link. This inadequate probe violated 1005.11 requirements for 10-day investigation ( 45 with provisional credit ), written explanation, and record provisionmirroring their $ XXXX CFPB settlement for deficient fraud handling. The declines caused XXXX probation failure and foreclosure threats under RESPA 1024.35. I request : ( 1 ) full reimbursement of {$1800.00} + fees/interest/lost opportunity costs ; ( 2 ) provisional/permanent credit ; ( 3 ) all investigation documents ; ( 4 ) CFPB-supervised re-investigation ; ( 5 ) correction notices to XXXX XXXXCredit Bureaus. Attachments : denial letter, chats admitting funds, balances, XXXX statements. Contact me anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: CA

Complaint narrative:
Follow-Up Complaint Issue Not Resolved/ Inaccurate Closure I am submitting this follow-up complaint because Cash Apps response to my prior CFPB complaint was inaccurately marked as resolved, despite the core issues remaining unaddressed. 

Cash App has not provided a substantive response to my inquiries or resolved the underlying problem. Specifically, the company has failed to : 1. Identify the exact legal process it relied upon to restrict my account ( e.g., information subpoena vs. XXXX, garnishment, or court-ordered restraint ), including the issuing court, jurisdiction, and date of service. 
2. Explain how an information subpoenaby itself a discovery requestauthorizes a blanket freeze of my account and the return of incoming deposits.

3. Address the inconsistency of returning my direct deposit without notice while later accepting and crediting a refund tied to a transaction that predates the alleged subpoena.

4. Provide documentation or legally sufficient notice that would allow me to understand, challenge, or comply with the alleged restriction. 

Cash Apps response to the prior complaint merely stated that an email was sent and that the issue was resolved, without answering these substantive questions or providing any legal justification for the continued restriction of my account and funds. Repeating that a response was previously sent does not constitute resolution when the response fails to address the issues raised. 

As of today : The account restriction remains in place, or the legal basis for it has never been clearly disclosed. 
Funds were returned or withheld without advance notice. 
No documentation or explanation has been provided to support Cash Apps claim that it was obligated by law to take these actions. 

I am requesting further regulatory review of Cash Apps handling of this matter, including its practice of treating information subpoenas as full account restraints, selectively handling funds, and closing complaints without providing meaningful explanations or documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with signing the paperwork
Company: JPMORGAN CHASE & CO.
State: MS

Complaint narrative:
XXXX of XXXX originated an auto loan that was later assigned to Chase Auto Finance. During the signing of the paperwork, I was not provided with clear, accurate, and complete XXXX in XXXX disclosures as required by federal law. Material terms of the loan were not properly disclosed at or before consummation. 

As a result, my right to rescission under the Truth in Lending Act, 15 U.S.C. 1635, was impaired. Required disclosures were missing, inaccurate, or presented in a manner that prevented meaningful understanding of my rights and obligations. 

In addition, the credit transaction involved improper and unlawful credit practices in violation of 15 U.S.C. 1662. The structure and presentation of the credit terms unfairly burdened me as the consumer and failed to comply with TILAs requirements. 

Chase Auto Finance, as the assignee of the loan, has continued to enforce a contract that is legally defective due to these violations. Despite notice, the issues have not been corrected. 

I am requesting investigation, corrective action, and appropriate consumer relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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

Complaint narrative:
I'm unable to use my AMEX gift card on online store and phisical store. I can't even add it to my XXXX wallet, still unusable.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
Formal Complaint : Loss of Vital Financial Functionality and Acceptance Following Forced Transition to Discover Network To Whom It May Concern, I am filing a formal complaint against Capital One regarding the forced transition of my long-standing debit account from the XXXX network to the XXXX network. As a lifelong customer, I am reporting that this change has caused immediate financial hardship and a significant loss of account utility. 

XXXX. Blocking of Small-Dollar Bill Payments : Since the transition, I am no longer able to pay my monthly mobile bill of {$4.00}. Previously, with my XXXX debit card, this was processed without issue. Now, because XXXX is exempt from the " Durbin Amendment '' fee caps, merchants are rejecting my payments unless I " overpay '' to meet a {$5.00} minimum. This is a direct result of Capital One choosing a high-fee network that burdens the consumer. 

XXXX. Elimination of Instant Transfer ( OCT ) Functionality : More critically, I have lost the ability to use " Instant Transfer '' services from platforms like XXXX XXXX. As a gig worker, I rely on the ability to move my earnings instantly for a small fee. 

* Previous Status : My Capital One XXXX accepted instant transfers seamlessly. 

* Current Status : The new XXXX debit card is rejected by these platforms for instant transfers. I am now forced to wait multiple business days for standard ACH transfers, which is unacceptable for a modern debit product and disrupts my ability to manage daily expenses and fuel costs. 

Consumer Harm & Anticompetitive Behavior : Capital One has prioritized the higher interchange fees of the XXXX " closed-loop '' network over the functional needs of its customers. I am being used as a pawn in an " interchange war '' that has stripped me of the " Universal Acceptance '' I previously enjoyed. This transition has turned my liquid cash into a restricted asset that I can neither use for small bills nor access instantly from work platforms. 

Desired Resolution : I request that Capital One provides an immediate option to return to a XXXX or XXXX debit card to restore the basic financial functionalities ( Instant Transfers and small-value transaction acceptance ) that were stripped away without my consent. I also urge the CFPB to investigate the impact of the Capital OneXXXX merger on gig workers and low-balance consumers. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Paid for an XXXX XXXX XXXXXXXX XXXX on an XXXX XXXXXXXX. XXXX changed my seat in the last minute to a no extra leg room seat. XXXX refuses refund. Credit card also keeps finding in favor of merchant.

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 2026-02-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
My XXXX XXXX account was deactivated on or about XX/XX/year>, which is the date I became aware of the deactivation. Since that date, I have been unable to access my account or my funds. 

Beginning on XX/XX/year>, I contacted XXXX XXXX support regarding this issue and have been communicating with them continuously through email. XXXX XXXX does not offer phone support. Since XX/XX/XXXX, I have repeatedly submitted identity verification documents using the verification link they provided. Each time, my documents have been rejected with a generic response stating that the documents are not acceptable, without any explanation of what is wrong or what specific documents are required. 
Since XX/XX/year>, I have sent multiple emails asking : Why my identity documents are being rejected What exact documents are acceptable Whether my case can be escalated to a human specialist The status of my tax refund and approved loan These questions have not been answered. The responses appear automated and do not address my concerns or provide a resolution. 

This issue is causing serious financial harm. My federal and/or state tax refund is scheduled to be deposited into this Credit Karma account. In addition, I applied for a tax refund advance/loan through Credit Karma and XXXX, which was approved on XX/XX/year>. Because my account was deactivated on XX/XX/XXXX, I have not been able to receive or access those funds. 
As of XX/XX/year>, Credit Karma has failed to inform me : Whether the approved loan funds were disbursed, frozen, or reversed Where those funds are currently being held What will happen to my tax refund if the account remains deactivated I am extremely concerned that my tax refund and approved loan funds may be delayed, frozen, or mishandled due to Credit Karmas failure to resolve this issue or provide clear information. 
I am requesting : Immediate review of my account by a human specialist Clear written instructions identifying acceptable identity verification documents Written confirmation of the status and location of my approved loan funds Assurance that my tax refund will not be lost, rejected, or improperly delayed Credit Karmas lack of phone support, lack of transparency, and failure to resolve this issue despite ongoing communication since XX/XX/year> is unacceptable and is causing ongoing financial hardship

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-02-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
b'Wells Fargo answered the questioning made by my bank XXXX . In a non satisfactory way for myself. \n\nUnder the influence of scammers on a fake XXXX XXXX XXXX  impersonating XXXX XXXX and XXXX XXXX Asset Management, i made a wire transfer as followsXXXX XXXX XXXX XXXX XXXX XXXXnWells Fargo bank XXXX XXXX consider i was out of myself and i am in medical treatment to avoid this to happen again. \nI understand that Wells Fargo opened the doors of the Bank System for a scammer, making easier for them to act under false pretenses. \nSo i would like to know what the bank is doing to make the system safer and i wish they could help me, any kind of help to recover this amount or even assume it as bank loss, once i believe the bank possibly has procedures or insurance to minimize the consequences for themselves while i only have a disabled spouse to care of.'

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 2026-02-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
To the Consumer Financial Protection Bureau : Under the Fair Credit Reporting Act ( 15 U.S.C. 1681, Sections 602 and 604 ), my rights have been violated by an improperly reported account. I request that you assist in ensuring this account is deleted from my credit report, as it was reported without proper purpose. Please ensure compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-09 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: XtraCash, LLC
State: KS

Complaint narrative:
I am submitting this complaint regarding a loan issued by XXXX with an original principal amount of {$990.00}. Since origination on XX/XX/year>, the balance has increased to over {$2000.00} due to fees and interest, reflecting an APR of approximately 444 %. 

I acknowledge that the APR and fee disclosures were included in the loan agreement. However, despite my willingness to resolve the account responsibly, XXXX has refused to consider any settlement or hardship-based resolution. I was explicitly told, we do not accept settlement offers, and that I must make adequate payments to avoid referral to attorneys. 

XXXX has also stated that if the account reaches 90 days past due, it will be forwarded to a collection attorney for further legal action. At the same time, the lender has stated that interest continues to accrue daily and that the account can not be closed unless paid in full, making resolution increasingly difficult. 

I am concerned that the combination of refusing any settlement or hardship consideration, warning of attorney referral, and allowing the balance to grow rapidly beyond the original principal may constitute unfair or abusive collection practices. 

I am requesting regulatory review of XXXX  collection and resolution practices and am seeking a fair resolution that allows repayment of the principal without excessive fees or interest. The remaining principal balance is approximately {$980.00}. 

Attached are copies of the loan agreement, billing statement, payment record, and my written communications with XXXX  documenting these issues.

Company response to consumer: Untimely response
Consumer complaint received 2026-02-09 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Received email account suspended after numerous online order cancellations. Im XXXX and use their service XXXX to XXXX  times weekly for the last XXXX  years. I keepgetting notices about a cash card when they dont offer one? And their payment out shes telling me I have notices, but there is none there. It says I got a debit card over a year ago and I never did. I dont know if you will redact the stores name, but is XXXX that suspended my account and I cant call. Customer service is required me to login to speak to anyone even at their corporate offices and then it wont let me.

Company response to consumer: Closed with explanation