vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I am filing this formal complaint against Regions Bank due to their inconsistent and predatory overdraft practices. I have been dealing with significant health issues, specifically chronic migraines, which have caused me to lose secondary income. Despite these hardships, I am doing everything I can to stay on top of my finances and clear my balance as soon as I get paid, but the banks current policies are making it impossible for me to recover. The following issues are causing me extreme financial distress : Arbitrary Overdraft Limits : While I am manually limited to a {$300.00} overdraft, Regions frequently allows my account to exceed a negative {$400.00} balance. They claim this is " discretionary, '' but it feels like they only exercise this discretion when it results in more fees for the bank. If the bank is willing to let the account go that far into the negative, I should have the same access to manage my funds for essentials, rather than the bank picking and choosing when to allow a charge just to trigger a {$36.00} fee. Ineffective XXXX XXXX : I often lock my card when funds are low to prevent the account from being overdrawn. Despite this, Regions continues to let certain transactions through. It is incredibly frustrating to take the step of locking a card only for the bank to bypass that security and pile on fees I was actively trying to avoid. Approval of Minor Transactions : The bank has allowed over XXXX overdraft fees this month alone for minor transactions, like a {$9.00} XXXX charge, that normally would and should be declined when funds are unavailable. It seems I am given " free rein '' to accumulate fees for small charges while being restricted from using the account for necessary bills. Unfair Waiver Policies : When I reach out to explain that I am overwhelmed, I am told I have to wait a year to get fees waived. It is completely unfair that the bank can charge me multiple fees in a single month but limit me to only XXXX reversals per year. Currently, about a quarter of my paycheck is being swallowed by these fees.

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 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
I paid off my balance of {$26.00} was made on XXXX2026, however I did not receive any statements, emails or any other form of information in regards to a due date and I happened to call on the due date of the payment to pay the balance and close the account. They did not take the money out until XX/XX/year> and I received a statement in the mail on XX/XX/year> saying I have XXXX late fees in a total of {$70.00} even though I was not informed of their policy that payment could not be made after XXXX pm nor did I receive any statement notifying me of the first late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I signed up for the XXXXXXXX XXXX rewards credit card. I was solicited to enroll in the XXXX credit card affliated protection program. I explicitly declined the Account XXXX program multiple timesonce with the store clerk and twice again with the online representative. Despite this, the product continued to be promoted after my refusal and was ultimately added to my account without my consent. This reflects a pattern of repeated solicitation and enrollment despite clear refusal. This is predatory and illegal. I want written assurance that the credit protection sold to me without my authorization has been 100 % cancelled. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: IL

Complaint narrative:
My account has been closed for a long time. But they didn't return the money in my account to me. Call me to go to the store. The store asked me to call the police. It has been more than 100 days without any result. I was asked to sign the document after signing. Every time you go, there are different results. Sometimes it is said that the check has been sent to my house. Sometimes it is said that the money was returned to the person who wrote my check. Sometimes it is said that the money is frozen and the documents need to be signed. The money that has been in my account for a long time has been asking me to pay all kinds of unreasonable documents Since then, there has been no problem with the cashing in pls every month. Only Huntington Bank has been detaining me for more than 100 days. Until now, my account has been closed and still hasn't paid me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I filed my taxes through XXXX XXXX XXXX, which the funds were sent to XXXX XXXX XXXX XXXX before being sent to me so that they could take out the fee for filing with XXXX XXXX XXXX and a digit was missing off of the account number so my funds were deposited into someone elses account on XX/XX/XXXX of 2026 so I filed a complaint through USAA XX/XX/XXXX of 2026. They stated that I needed an LOI to get my funds returned to my account so I contacted XXXX XXXX XX/XX/XXXX of 2026 asking for an LOI. They stated that they do not give LOI because the bank should have rejected the funds but the bank couldnt because it was someones actual account is what USAA told me.

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 2026-04-29 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I am filing a complaint regarding American Express Travel and American Express XXXX related to a failure to disclose a material limitation in trip insurance coverage during an agent-assisted itinerary modification. In XX/XX/year>, I booked international airfare ( ~ {$6000.00} per ticket ) through American Express Travel and purchased trip insurance for the trip at that time. In XX/XX/year>, American Airlines made a schedule change that rendered our connection unworkable. I contacted American Express Travel to correct the itinerary. The Amex Travel agent rebooked our flights at an additional cost of approximately {$1800.00} per ticket. At no point during this rebooking process was I informed that : the additional fare would not be covered under the existing trip insurance policy, or separate insurance would be required to cover the modified portion of the itinerary. This was not a new tripit was a modification of an already insured itinerary, handled directly through American Express Travel as a result of an airline schedule disruption. I relied on American Express as my travel agent to properly advise me during this process. The trip was later canceled due to a covered medical reason. American Express XXXX approved coverage for the original ticket cost but denied coverage for the additional {$1800.00} per ticket, stating that separate insurance would have been required for that portion. This denial is based on a requirement that was never disclosed at the time of rebooking. Had I been informed that the modified fare required separate insurance coverage, I would have purchased it immediately. That option was never presented. I have attempted to resolve this directly with American Express, including escalation to their Executive Office, but have received no response. This constitutes a failure to disclose a material limitation in coverage at the point of sale ( rebooking ), resulting in financial harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: CA

Complaint narrative:
I fell victim to a phishing scam on XX/XX/XXXX and XXXX, 2026, losing approximately {$9600.00} ; I reported the incident to my bank immediately on XX/XX/year>. When I first filed the report, neither I nor the bank 's outsourced customer service representativesto whom I was referredcould properly distinguish between a " dispute '' and " fraud. '' Consequently, all of my scam reports were initially categorized as disputes. However, once I realized the distinction, I began calling the bank every week to have each phishing-related transaction reclassified as fraud. With every weekly call, the customer service representatives would reassure me, giving me the distinct impression that the full amount I had reported as lost would eventually be credited back to my account. Yet, as time went on, I came to a sobering realization : the bank would only return my funds after successfully resolving the issue with * each individual company * involved in the scam transactions. I am now gripped by the fear that I may not be able to recover the full amount. Furthermore, I am not in a financial position to repay this debt myself. Given this situation, what is the best course of action I can take?

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 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: Advance America, Cash Advance Centers, Inc.
State: SC

Complaint narrative:
I first did a pre-call to see if I get approved in XX/XX/XXXX, I was told to come to the office ( Advance America XXXX XXXX XXXX XXXX XXXX. ) I went to the office with my disability documents and did some paperwork, before they put the money in my account, I asked about my payments and was told that I will be making a total of 10 payments of like {$1100.00} or something close that which I made on the XXXX of every month, my payments went up to XXXX a month a few months later after receiving like {$75.00} from them. Around XXXX I notice that my loan number wasn't going down and was told on the phone that they couldn't give me information over the phone and go to the Web site to get that information, which I tried and still couldn't get it, on XX/XX/XXXX I was in the office area and went there to make my payment and asked again, how many more payments do I have, which I didn't get a answer but she printed out a paper which showed that out of the {$130.00} dollars that I been paying since XXXX XXXX, a {$100.00} was going to them in interest and only {$30.00} dollars was going towards the loan, I was puzzle and confused cause I I was told in the begining that I was to make 10 payment, They mis-led me.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I identified unauthorized activity on my PayPal account involving cryptocurrency transactions and related activity. I reported the issue to PayPal immediately and filed fraud claims. On XX/XX/year>, PayPals Office of Global Customer Complaints & Advocacy confirmed in writing that my account had been compromised, stating that their investigation found inconsistent logins and suspicious profile changes, and that all fraud claims were accepted. Based on this determination, some corrective actions were taken on my account. However, after this resolution was communicated, PayPal later applied approximately {$1900.00} in chargeback settlement fees to my account. These charges are tied to transactions that occurred during the same period that PayPal had already confirmed involved unauthorized access. I disputed these charges with PayPal and requested clarification. In subsequent responses, PayPal reversed its prior position and stated that : No unauthorized access or fraud was identified The transactions were consistent with my normal account activity I am responsible for the resulting negative balance This position directly contradicts PayPals earlier written determination on XX/XX/year> confirming account compromise and accepted fraud claims. I did not authorize the transactions that led to these chargebacks. The transactions occurred during a period that PayPal previously identified as involving unauthorized access. Additionally, the chargeback settlement fees were applied after I was informed that the case had been resolved, without clear notice that further charges would be imposed. This created unexpected financial harm and undermines the finality of PayPals resolution. I made multiple attempts to resolve this directly with PayPal, including formal escalation. I requested supporting evidence ( such as login records, IP addresses, device data, and transaction-level authorization details ) and an explanation reconciling the contradictory findings. PayPal has not provided this information and has instead issued repeated responses restating its conclusion without addressing the inconsistency. As a result, I am being held responsible for approximately {$1900.00} in chargeback-related fees arising from transactions that occurred during a previously confirmed account compromise, without sufficient explanation or evidence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: BMO BANK NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Hello, My name is XXXX XXXX. I have a BMO Alto savings account, and I recently received a notice from the BMO Alto Fraud Department stating that my account has been locked. After contacting customer support, I was informed that I need to provide proof of ownership for a XXXX XXXX account ending in XXXX. However, I do not own or have any association with an account ending in XXXX. My only XXXX account ends in XXXX. The representative advised that banks may use different account numbers internally, but I contacted XXXX directly and was told this is not accurate in my case, and that I only have the single account ending in XXXX. At this time, I am concerned there may be an error or potential fraud issue involving my information. I am unable to provide verification for an account that is not mine. I provided proof of ownership of my XXXX account ending in XXXX and have yet to hear back.

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 2026-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am formally disputing the validity of the alleged collection and charge-off account being reported under my name. This letter serves as a request for full debt validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ) and the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681i. I do not acknowledge this debt as valid. Before any further reporting, collection activity, or communication regarding this account continues, I am requesting that you provide the following : Verification of the debt, including the original signed contract or agreement bearing my signature. The complete payment history and itemized breakdown showing how the alleged balance was calculated. Proof of your legal authority to collect or report this debt, including a copy of any assignment or purchase agreement from the original creditor. The name, address, and contact information of the original creditor for proper verification.

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 2026-04-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: CA

Complaint narrative:
In XX/XX/year>, I used Affirm ( XXXX XXXX XXXX ) to finance a purchase from XXXX ( Order # XXXX ). The loan was processed on or around XX/XX/year>. The order was cancelled immediately after placement, and the merchant explicitly acknowledged the cancellation. The merchant confirmed in writing that a refund would be processed within approximately 21 days. The order was never fulfilled or shipped, and remains in an unfulfilled status. Based on the merchants confirmation, I reasonably believed the matter was resolved and that the refund would be processed and the loan would be closed. No goods or services were ever delivered, and I received no benefit from this transaction. However, Affirm continued to treat the loan as valid. Over time, the account became delinquent, was charged off, and was ultimately sent to a collections agency. I contacted Affirm to dispute the loan and provided documentation showing : The order was cancelled The merchant acknowledged cancellation and refund The order was never fulfilled or delivered Affirm declined to reopen the dispute, citing a 120-day dispute window, without addressing the fact that no goods or services were ever delivered. Additionally, the merchant has recently stated that a chargeback has already been filed for this transaction, while Affirm maintains that no refund has been received. This creates a conflicting situation between the merchant and Affirm regarding the financial settlement, which is outside of my control. As a consumer, I should not be held responsible for a loan tied to a transaction that was cancelled and never completed. This is not a delayed refund issue, but a case of non-fulfillment, where the underlying transaction did not occur. Despite this, I am being asked to pay for a product I never received, and this has resulted in collection activity and potential damage to my credit. I am requesting reversal of the loan, withdrawal of the account from collections, and correction of any credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Reel Time Capital LLC
State: TX

Complaint narrative:
I am filing this complaint regarding deceptive and unverified debt collection activity by a company identifying itself as XXXX XXXX XXXX. This company contacted me by phone claiming they were legally authorized to collect a debt allegedly owed by me. They stated they had authority to enforce or collect the debt and implied legal action could be taken against me. However, when I requested written validation of the debt and proof of their authority to collect it, they refused to provide any documentation. Upon further investigation, I obtained written confirmation from Reel Time Capital LLC, the company that currently owns or claims ownership of my debt, and they confirmed that they do not have any arbitration cases against me and did not authorize any arbitration proceeding. Despite this, XXXX XXXX XXXX has continued to contact me and my family by phone, making repeated claims that they are legally able to collect the debt and suggesting potential legal action, while still refusing to provide any written proof of ownership, authorization, or validation of the debt. I am concerned that this company is misrepresenting its authority to collect the debt, failing to provide required debt validation upon request, and engaging in harassing and potentially deceptive collection practices. I am requesting an investigation into whether this company is lawfully authorized to collect this debt and whether its conduct complies with federal debt collection laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOFI TECHNOLOGIES, INC.
State: IA

Complaint narrative:
I had suspicious activity on my Sofi checking and savings accounts. Money was transferred to my checking from my savings then 5 large suspicious charges from XXXX were processed. I filed a dispute immediately. They froze/restricted the account and said it would take 10 business days to complete the investigation. During this time I have had no access to my money, and I inquired multiple times about direct deposits being allowed and they assured me they would be. my tax refund was set up to deposit to my checking account. Then I discovered the accounts were closed, the deposits were not allowed, and they are mailing me a check. It has been over the 10 business days with no access to my money and no answers. I asked if the accounts are closed to transfer the money and give me access to the funds so I can pay bills. They told me I won't be permitted to have another account, and it could take 30 days for my funds to be mailed to me. This is my main bank account. I need the funds to pay bills. I have called almost every day and get different answers. I just need access to my funds.

Company response to consumer: Closed with monetary relief