Finance Consumer Complaints

{
  "complaints": [
    {
      "company": "ADP Inc.",
      "company_response": "Closed with explanation",
      "complaint_id": "9322415",
      "date_received": "2024-06-20",
      "issue": "Problem with overdraft",
      "narrative": null,
      "product": "Prepaid card",
      "state": "OK",
      "sub_issue": "Overdraft charges",
      "sub_product": "Payroll card",
      "timely_response": true
    },
    {
      "company": "Chime Financial Inc",
      "company_response": "Closed with explanation",
      "complaint_id": "7770176",
      "date_received": "2023-10-28",
      "issue": "Problem with overdraft",
      "narrative": null,
      "product": "Prepaid card",
      "state": "OK",
      "sub_issue": "Overdraft charges",
      "sub_product": "General-purpose prepaid card",
      "timely_response": true
    },
    {
      "company": "CAPITAL ONE FINANCIAL CORPORATION",
      "company_response": "Closed with explanation",
      "complaint_id": "7736716",
      "date_received": "2023-10-22",
      "issue": "Problem with overdraft",
      "narrative": null,
      "product": "Prepaid card",
      "state": "NC",
      "sub_issue": "Overdraft charges",
      "sub_product": "General-purpose prepaid card",
      "timely_response": true
    },
    {
      "company": "Branch Messenger, Inc.",
      "company_response": "Closed with explanation",
      "complaint_id": "7726858",
      "date_received": "2023-10-20",
      "issue": "Problem with overdraft",
      "narrative": null,
      "product": "Prepaid card",
      "state": "FL",
      "sub_issue": "Overdraft charges",
      "sub_product": "Payroll card",
      "timely_response": true
    },
    {
      "company": "Block, Inc.",
      "company_response": "Closed with explanation",
      "complaint_id": "6876971",
      "date_received": "2023-04-22",
      "issue": "Problem with overdraft",
      "narrative": null,
      "product": "Credit card or prepaid card",
      "state": "WI",
      "sub_issue": "Was signed up for overdraft on card, but don't want to be",
      "sub_product": "General-purpose prepaid card",
      "timely_response": true
    }
  ],
  "data_updated": "2026-10-15",
  "license": "CC0",
  "query": "overdraft",
  "returned": 5,
  "sorted_by": "relevance",
  "source": "CFPB Consumer Complaint Database",
  "total_matches": 21931
}

# bash or zsh: see the payment challenge. Nothing is charged.
curl -sS -g -i 'https://saylorinnovations.com/api/finance/consumer-complaints?limit=5&q=overdraft'

# x402 v2 sends the challenge base64-encoded in the PAYMENT-REQUIRED header (v1 sends it in the body).
# To read the header:
curl -sS -g -o /dev/null -D - 'https://saylorinnovations.com/api/finance/consumer-complaints?limit=5&q=overdraft' \
  | grep -i '^payment-required:' | cut -d' ' -f2 | tr -d '\r' | base64 --decode

// npm i @x402/fetch @x402/evm viem
import { wrapFetchWithPayment, x402Client } from "@x402/fetch";
import { registerExactEvmScheme } from "@x402/evm/exact/client";
import { privateKeyToAccount } from "viem/accounts";

// Pays at most $0.01 per call.
const client = new x402Client().setSpendControls({ maxAmountPerPayment: "$0.01" });
registerExactEvmScheme(client, { signer: privateKeyToAccount(process.env.EVM_PRIVATE_KEY) });
const pay = wrapFetchWithPayment(fetch, client);

// Not sure it's safe to pay? ToolVet checks it first for $0.005. Pay for that from a separate
// client: this one is capped at $0.01 per payment. GET https://toolvet.app/api/v1/check?url=https%3A%2F%2Fsaylorinnovations.com%2Fapi%2Ffinance%2Fconsumer-complaints
const res = await pay("https://saylorinnovations.com/api/finance/consumer-complaints?limit=5&q=overdraft");
console.log(res.status, await res.text());

# pip install "x402[requests,evm]"
import os
from eth_account import Account
from x402 import x402ClientSync
from x402.http.clients import x402_requests
from x402.mechanisms.evm import EthAccountSigner
from x402.mechanisms.evm.exact.register import register_exact_evm_client

# Pays at most $0.01 per call.
client = x402ClientSync().set_spend_controls({"max_amount_per_payment": "$0.01"})
register_exact_evm_client(client, EthAccountSigner(Account.from_key(os.environ["EVM_PRIVATE_KEY"])))

with x402_requests(client) as session:
    res = session.get("https://saylorinnovations.com/api/finance/consumer-complaints?limit=5&q=overdraft")
    print(res.status_code, res.text)