vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: REGIONS FINANCIAL CORPORATION
State: MS

Complaint narrative:
On Monday XX/XX/year> I go through the drive thru at Regions Bank XXXX XXXX XXXX XXXX, Tn to cash a check for {$280.00}. I put my license, debit card, and check in canister and send it in. Teller comes on and ask me to give him a code they send to my phone, I give the code, he asks how I want cash I say it doesn't matter. He sends out envelope with cash, driver license, and debit card. I immediately grab my debit and driver license, and put back in my wallet, toss evolope on seat and drive off. I leave there to go purchase tires from a third party, I give him the envelope for the payment without counting. At the time, I had no knowledge that any overpayment had occurred. On XX/XX/year> the bank informs me that it was an overpayment given to me on XX/XX/year> and they were going to debit my account {$2600.00}. I immediately call, tell them I wasn't aware of overpayment and passed the envelope to third-party for payment. The bank tells me their machine misread check leading to overpayment. ( which is an bank error ). I explained what I did with evolope when left bank, the branch manager said her would call me back. I call third-party has stated there was no excess money in the envelope. The branch manager called me back XX/XX/year> letting me know they debited my account for {$2600.00}. I feel was was wrongly and unfairly treated, I did nothing wrong and be charge for an teller/bank error. I did not authorize this withdrawal, nor did receive or retain any excess funds. The cash was provided to me in a sealed envelope and was passed directly to a third-party as payment without being counted. At the time i had no knowledge that any overpayment had occurred. This debit was made without my consent without proof that i received or benefited from any additional funds. I am requesting that this mattee be handled as an unauthorized or incorrect debit under Regulation E of the Electronic Fund Transfer Act. I am fully willing to cooperate with a reasonable investigation, but i dispute any liability for funds i did not receive or possess, and for the bank to take my hard earned money for their teller/ bank error is wrong.

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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/year>, I discovered that I was unable to log in to my online banking application, and my phone displayed an SOS status, indicating a loss of cellular service ( my mobile carrier is XXXX  ). I then visited a Bank of America branch for assistance.

During my visit, bank staff informed me that a new bank account had been opened under my name and that a total amount of {$4000.00} was transferred to this new account on XX/XX/XXXX without my authorization.

At that point, I realized that my phone number had been fraudulently taken over without my consent, and I believe these two incidents are directly related. I subsequently provided the bank with written documentation from my wireless carrier as supporting evidence, identity theft victims complaint and affidavit and police report.

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 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Purchased a extended warranty and cancelled. XXXX XXXX cancelled warranty on XX/XX/XXXX and issued refund checks to Wells Fargo who cashed checks on XX/XX/XXXX and never applied to my loan. When contacting Wells Fargo Auto Loan group I was told they would search for my cashed checks. I provided Wells Fargo the XXXX cancelled checks in the amounts of {$4500.00}, {$770.00} and {$610.00}. Wells Fargo claims they returned all XXXX checks to XXXX XXXX bank. I contacted XXXX XXXX and they claim they do not show returned checks. XXXX check for {$610.00}. did apply properly to my auto loan account at Wells Fargo out of the blue. This is after Wells Fargo claimed all XXXX checks were returned to maker. I recontacted Wells Fargo on Friday XX/XX/XXXX and was issued a new claim number and have I still have not heard back from them to this date. I am missing money and associated interest it has cost 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 monetary relief
Consumer complaint received 2026-01-25 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: BARCLAYS BANK DELAWARE
State: NJ

Complaint narrative:
Barclays card responded to my initial complaint about fraudulent charges in XXXX of XXXX. They acknowledged and began correcting fraud charges. There are {$1100.00} dollars in unresolved charges that they are nearly identical to resolved charges that they say are my responsibility. They have issued the fraudulent party new credit cards even after I identified the fraudulent activity. I get boiler plate responses that seem to be auto-generated and I am not allowed to speak with the actual investigation department. I have to try to piece together all the things they tell me when I'm on the phone with them in a letter and mail it to them with supporting documentation. They have on several occasions, as recently as XX/XX/XXXX, said they agree with me and credited all the charges and then I get a new statement with them back on it. I have paid them more than I owe at this point and continue to pay as they are reporting me as non-payment on the disputed amount and it is ruining my credit score. It is apparent that the charges are fraudulent even to them since they already credited duplicate charges from the same time and locations. I can pay the disputed amount, but they won't remove the negative comments it's already created on my credit report.

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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On [ XXXX ], I deposited a {$21000.00} settlement check ( XXXX XXXX XXXX ) into my account. Despite the check being from a reputable fund, Chase placed a 7-day hold. 
More importantly, Chase representatives explicitly lied to me, stating the funds would be available within XXXX hours. I relied on this information to pay my essential bills. When the funds were not released as promised, I was forced into an overdraft state and hit with an overdraft fee just to survive and keep my utilities on during freezing weather. 
When I called back to address the broken promise, the representatives were dismissive and refused to release even the statutory {$220.00} minimum required by Regulation CC ( 12 CFR 229 ). Their refusal to provide next-day access to any portion of these funds has caused me severe physical and financial hardship during a weather emergency.

Desired Resolution : 1. Immediate release of the full {$21000.00}.

2. Full reversal of all overdraft fees caused by their failure to provide the promised 3-hour release.

3. A formal apology and a review of the recorded calls to address the misinformation provided by their and plus everybody is very rude to hanging up on me multiple times very disrespectful. I am switching banks after this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Dave Operating, LLC
State: SC

Complaint narrative:
On XX/XX/XXXX I saw XXXX unauthorized transactions totaling around {$26.00}. I cancelled my card. The very next day I asked for a new digital card to remove my paycheck. Well by the time I got off of work XXXX of the transactions were now approved for {$150.00} and {$150.00}. They were to XXXX food restaurants in states over XXXX miles away. The Dave support team keeps denying my disputes stating they were authorized. There is not a way to talk to a live person about this. They just keep sending me a denial letter. Then today I also get an email stating the account is over drawn. I havent used it other than to take a paycheck off of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I got something in the mail from XXXX XXXX XXXXXXXX of XXXX XXXX wanting to buy my XXXX XXXX XXXX XXXX line with XXXX miles on it and was in person for XXXX hours after Id just had a XXXX and was in a XXXX  ( kick me while Im down ) also Im on a fixed income and my child works at this crooked place.on XXXX XXXX I went to XXXX XXXX  XXXX of XXXX XXXX  to see what they would offer the deal was XXXX $ for my XXXX XXXX XXXX XXXX XXXX plus XXXX $ for friends and family discount so XXXX and the car I was wanting to buy was a XXXX XXXX XXXX for XXXX $ less my trade in and discount. So I need a loan for XXXX $ and they took the first loan out at capital one for XXXX $ XXXX complained and they redid a loan I wasnt present for and turned in to capital one for XXXX adding XXXX $ to my loan for warranty I never agreed to and signed something saying I didnt want this or any add on and they lied and did what they want I want this loan fixed for the correct amount with no extras like Ive said.this is so wrong Im on a fixed income and cant afford this payment with almost XXXX $ added to my loan please help stop these people and help me get this loan fixed correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account : XXXX XXXX XXXX ( Ending in [ XXXX ] ) Issue : Erroneous Closure due to Bank Misinformation & Technical Loop XX/XX/XXXX : Payment of XXXX failed ( Bank balance : XXXX cents ) XX/XX/XXXX ( XXXX XXXX  ) : I called Citi to prevent closure. I authorized a manual {$2100.00} payment. The agent guaranteed the account would stay open and that the system would " just stop '' after XXXX attempts. 

XX/XX/XXXX : My manual {$2100.00} payment successfully cleared my bank. ( See Attachment B ). 

XX/XX/XXXX & XX/XX/XXXX : Citis automated system ignored my successful payment and attempted the failed original amount XXXX more times. 

XX/XX/XXXX : Citi closed the account despite being paid on XX/XX/XXXX. 


I sent an email to their executive team ( XXXX ) & they didnt respond.

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 2026-01-25 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Tax refund anticipation loan or check
Issue: Problems receiving the advance — 
Company: Credit Karma, LLC
State: FL

Complaint narrative:
This is what they email and I havent heard back from them. Thank you for contacting Credit Karma today, I understand how important it is for you to get the information about your CK Spend Account. I will be working as fast as possible in order to help you out.

To proceed with your request, I will send your case to a specialized department, where you can receive the assistance you need.

Please feel free to let me know if you need assistance with something else and I really hope you can find a solution for this issue.

Thank you for being a Credit Karma Member and have a nice day.

Regards, Credit Karma Member Support I have XXXX on my Credit Karma and my tax return is going on that account too. They need to figure out what is going on so I can use my card

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Chime Financial Inc
State: WA

Complaint narrative:
Claim ID XXXX Total Dispute Amount : {$8000.00} Overview : This case involves a clear violation of Regulation E ( 12 CFR 1005.11 ). Despite overwhelming evidence of a criminal account takeover following a laptop theft ( XXXX XXXX # XXXX ), Chime has failed to conduct a good-faith investigation, issuing thirteen ( 13 ) repetitive denials over a 13-month period. 

Key Evidence of Regulatory Non-Compliance : Admission of Breach : On XX/XX/XXXX, Chime approved Claim # XXXX from the same breach window, legally acknowledging account compromise. Denying the {$8000.00} claim while approving a related {$27.00} claim is arbitrary and capricious. 

Willful Blindness to Evidence : Chime has ignored a Certified Forensic Report ( XX/XX/XXXX ) and Third-Party Identity Takeover Confirmation ( XX/XX/XXXX ). This refusal to consider conclusive " new information '' violates their duty to investigate under federal law. 

The " Denial Loop '' Pattern : Chime issued at least nine ( 9 ) " Final Determinations '' while simultaneously sending automated requests for documentation that had already been submitted. 

Pattern of Misconduct & Regulatory Actions : Chimes handling of this dispute reflects a documented pattern of unfair acts and practices that have recently been penalized by regulators : California XXXX XXXX Order ( XX/XX/XXXX ) : Chime was ordered to pay {$2.00} XXXX for " unfair acts concerning its handling of customer service " and failing to resolve disputes accurately and fairly. 

CFPB Enforcement Action ( XX/XX/XXXX ) : Chime was ordered to pay {$3.00} XXXX in the qpenalties and {$1.00} XXXX in redress for " unfairly '' and " illegally '' delaying consumer access to their funds. 

CFPB Action ( XX/XX/XXXX ) : Chime was ordered to pay {$3.00} XXXX XXXX failing to properly track, investigate, and resolve errors under the Electronic Fund Transfer Act ( EFTA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
On XX/XX/year>, I made a payment of {$2900.00} toward my Navy Federal credit card account. The payment was initiated in good faith prior to the statement closing date but was still pending at the time the statement generated. 

I contacted Navy Federal multiple times to understand the posting timeline and to request a courtesy or off-cycle credit reporting update due to the impact this statement balance could have on my credit utilization. During one call, a supervisor acknowledged that errors were made in how the matter was handled. However, the call was terminated before any resolution was provided.

I called back to obtain confirmation that the prior call was documented and to continue the dispute. Navy Federal again failed to provide confirmation, and the call was terminated a second time.

I then attempted to submit my dispute and request in writing through Navy Federals secure messaging system, but online banking was unavailable for an extended period, preventing written submission. 

I requested confirmation of the payment posting timeline, documentation of prior calls and supervisor notes, and whether a credit reporting correction or off-cycle update would be submitted. Navy Federal did not provide this information. 

I am requesting that this matter be reviewed by Executive Resolution, that my dispute handling be addressed, and that a courtesy or off-cycle credit reporting update be considered now that the payment has posted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Netspend Corporation
State: CO

Complaint narrative:
Netspend mailed a prepaid debit card addressed to my XXXX daughter, despite the fact that no one in our household applied for or authorized the creation of this account. My daughter is a minor and does not have the legal capacity to open a financial account, making the issuance of this card unauthorized and concerning. 

I attempted to contact Netspend to report this as suspected identity misuse. However, all publicly available phone options, including the number listed for fraud, route to automated systems that require entry of the card number, Social Security number, or other sensitive personal information before allowing access to a representative. There is no apparent method to report suspected fraud involving a minor without first disclosing additional sensitive information. 

This effectively prevents parents or guardians from safely reporting potential identity misuse and creates further risk of exposure of a childs personal information. The issuance of an unsolicited financial instrument to a minor, combined with the lack of a secure and accessible fraud reporting process, raises serious consumer protection concerns and warrants review.

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 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: ADP Inc.
State: DC

Complaint narrative:
On XX/XX/year> I went the atm I was charged XXXX domestic fee saying it declined for insufficient funds when I had more than enough to pay the XXXX fee nothing in the bank statement say I couldnt use a dc atm I was told it was free even still I was charged like I didnt have no money in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I want to add these downloads to the past two XXXX  with Wells Fargo executive office because I mustve downloaded the wrong paperwork so these are the tax forms to prove that there was barely any balance changes in my mortgage through the years that I had along with them and supposedly there was two modifications with government wrote discharges as you can see they werent applied. They were charging me the entire time interest only payment and extended the loan out to XXXX theyve gotten all that document they continue to send me the same document and saying they want more. They did the loan they should have the paperwork, but this proves that there was no deduction on the loan and 20 some years, I paid it off in XXXX  the original loan as you can see which XXXX I paid off XXXX and then they had extended the loan out to XXXX and added this {$52000.00} non-interest bearing loan.

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 2026-01-25 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: Paypal Holdings, Inc
State: IL

Complaint narrative:
efore payment was sent. The buyer now the computer in their possession, and there are no disputes, claims, or issues associated with this transaction. Despite this, PayPal has placed a XXXX hold on my funds without providing a clear or valid reason. The money in question has already been sent to me by the customer for a completed sale. Holding my funds when the transaction is finalized and the buyer has am writing to formally complain about a XXXX hold that PayPal has placed on funds from a completed transaction, which I believe is unjustified and unreasonable. I recently sold a computer to a buyer. The item was hand delivered, the buyer confirmed receipt, and the transaction was fully completed If received the item is unacceptable. This money rightfully belongs to me, and there is no outstanding risk or obligation that would justify withholding it. I am requesting that this hold be removed immediately and that my funds be released without further delay. If PayPal believes there is a specific issue with this transaction, I expect a clear explanation and evidence supporting the decision to place this hold. I rely on timely access to my funds, and this situation has caused unnecessary frustration and inconvenience. I would appreciate prompt resolution of this matter. Failure to release fund immediately will result in a lawsuit being filed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-01-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Credit Karma, LLC
State: SC

Complaint narrative:
I received my tax advance on XX/XX/year> and on XX/XX/year> I received a email that my account was frozen. I didnt even get to use my money nor did I try to use it. They wouldnt give me an explanation why it was frozen because there was no reason to freeze it. They keep giving me the run around. The company is Credit Karma and its their spend account. My amount thats in there is {$750.00}. Ive called multiple times and did the ID verification and picture but my account is still frozen.

Company response to consumer: Closed with non-monetary relief