vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: OH

Complaint narrative:
SUBJECT : Response to Morgan Stanley Private Bank / E * TRADE Unlawful Withholding of Cleared Funds I am formally responding to the XX/XX/year> letter submitted by Entity [ company, Morgan Stanley Private Bank, E * TRADE banking entity ] regarding my complaint. The institutions response fails to resolve the core issue and instead confirms that they are continuing to withhold funds from a U.S. Treasury check that was already accepted, cleared, and made available in my account. Key facts : The IRS refund check in the amount of {$30000.00} was successfully deposited into my account. The check cleared through the banking system, and funds were made available. A portion of the funds was already used, confirming the bank had completed its initial verification and release process. Despite this, the remaining funds have now been restricted for over 90 days. Morgan Stanley XXXX Bank states that funds will not be released until additional verification is received from the IRS and suggests I request a hold harmless or recall from the entity [ organization, Internal Revenue Service, US federal tax authority ] This requirement is unreasonable and effectively impossible : The IRS does not provide hold harmless letters to consumers for the purpose of releasing deposited refund checks. The request to initiate a recall would cancel a valid refund and create unnecessary delay, potentially taking several months, despite the original check already clearing successfully. At this point, the institution is imposing a condition that can not realistically be fulfilled, resulting in indefinite withholding of my funds. This constitutes unlawful withholding of cleared funds and a failure to provide a reasonable resolution. I am requesting immediate regulatory intervention and one of the following actions : 1. Immediate release of the remaining cleared funds ; OR 2. Issuance of a cashiers check for the full remaining balance and closure of the account. If the institution believes it has a legal basis to continue holding these funds, I request they provide : The specific law or regulation supporting their requirement for IRS involvement post-clearance Written documentation of any actual communication from the IRS requiring such a hold Absent that, this appears to be an internal risk decision being improperly imposed on me without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Shellpoint Partners, LLC
State: WA

Complaint narrative:
This is not the first time I have had issues with Shellpoint ... they can NOT be reached... or, at least I can not reach them ... no response on phone ... unable to log into website... try to reset password but get no response... tried faxing a request to them but fax # available is rejected ... I feel like I am a hostage.

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 2026-04-30 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: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
I sent {$250.00} USD from the United States to my wife, XXXX XXXX XXXX, in XXXX through XXXX. The XXXX transaction shows that the funds were successfully delivered and deposited into her XXXX XXXX bank account. The XXXX details are as follows : Recipient : XXXX XXXX XXXX XXXX amount : {$250.00} USD XXXX peso amount : XXXX MXN Reference number : XXXX Status : Delivered Delivery confirmation : Funds were deposited to recipients HSBC account Confirmed deposit date/time : XX/XX/XXXX at XXXX XXXX EDT Transfer path : My debit card Remitly Recipients bank Recipients HSBC account XXXX confirmed in writing inside the app : We have confirmed funds were deposited to your recipients HSBC account XXXX Your transaction is complete. After this money was confirmed as deposited into my wifes XXXX XXXX account, approximately {$150.00} USD worth of funds were removed, withheld, deducted, or otherwise taken from her account without a clear explanation or authorization. I am requesting a formal investigation into this transaction and the handling of the deposited funds by XXXX XXXX. I am requesting the following : 1. A full written explanation of why the funds were removed, deducted, withheld, or made unavailable after XXXX confirmed delivery. 2. A copy of the exact XXXX XXXX transaction history showing the deposit of XXXX MXN and any later deduction, fee, reversal, hold, debit, or account charge connected to this transfer. 3. Identification of the exact transaction code, fee type, internal bank reason, or legal authority XXXX XXXX relied on to remove or withhold the money. 4. Immediate reimbursement of any unauthorized or improper deduction. 5. Written confirmation that XXXX XXXX has investigated this matter as a formal customer complaint. This is especially concerning because the money was sent internationally from the United States through XXXX, and XXXX confirmed that the money was successfully deposited into the HSBC account. The issue appears to have happened after the funds reached XXXX XXXX. I am requesting that XXXX XXXX, Remitly, CONDUSEF, and any appropriate U.S. consumer protection authority investigate this matter and require a full explanation and refund if the deduction was unauthorized, improper, or not clearly disclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Add on to previous complaint XXXX. Citi response XX/XX/XXXX is not adequate nor is it accurate. I comfirmed the terms of this card with custimer service reps twice and they both stated 0 % for 18 months would apply. I would never have accepted or used this card if that was not the case. Their response was to settle with a {$200.00} monatary relief which in no way negates the value of 18 mo -0- interest. Nevertheless, where is this {$200.00} monetary relief???? I would expect it would be credited to my double cash card but that is not the case. In any event, I will not be paying any interst that has been charged to this account and I would expect this {$200.00} to be credited to this card. I'd suggest the CFPB request audio andor exact transcripts of my phone conversations with CITI customer service reps on XX/XX/XXXX and on XX/XX/XXXX both indicated it would be -0- percent for 18 months. This is not a misunderstanding, it is what I was clearly told. I have a somewhat extensive relationship with CITIbank but that can change in a heartbeat.

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 2026-04-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BTH Management
State: VA

Complaint narrative:
I am requesting validation of this alleged debt because I do not recognize it and require proof that I am legally responsible for the amount claimed. This request is made under my rights provided by the Fair Debt Collection Practices Act ( FDCPA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Block, Inc.
State: OH

Complaint narrative:
I had unauthorized charges on my Cash App account I contacted Cash App to resolve the matter and they stated because the charge was crypto currency. I believe someone either hacked my accounts or got my debit card information.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Account reinstatement or redemption after repossession
Company: VYSTAR CREDIT UNION
State: IL

Complaint narrative:
On XX/XX/XXXX at XXXX Vystar Credit Union repossessed my XXXX XXXX XXXX due to their claim that my insurance deductible was too high, it was/is at {$2000.00}. I contacted Vystar on XX/XX/XXXX, XXXX and XXXX, every time I was told my car will be sold at public auction on XXXX XX/XX/XXXX. I am a XXXX XXXX XXXX, retired XXXX veteran with XXXX years of XXXX XXXX service, I have XXXX daughters, three of which live with me and my wife and two of them are XXXX and 18 years of age. I fully insure XXXX cars through XXXX XXXX, I keep a higher deductible due to having XXXX XXXX divers on my policy. That in and of itself is incredibly expensive, I try to take any insurance discount I can. After reading through my loan documents I noticed that Vystar never purchased insurance for me which I believe is one of the steps taken before repossession. I don't know what else to do, they have STOLEN my car and destroyed my credit that took me years to rebuild.

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 2026-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
I was referred to open account by my grandma XXXX XXXX ( access XXXX ) who is in a domestic partnership with my grandad. For some reason it asked for documents to prove connection but none of the options were applicable. So I uploaded her dads XXXX to show her relation. Its not a way to upload her birth certificate to show relation to her dad or the domestic partnership of my grandparents. It denied my application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GREENSKY OPERATIONS, LLC
State: CA

Complaint narrative:
XXXX XXXX new drive way and set up financing with GreenskyXXXXFirst payment made to greensky $XXXXcheck payment XXXX | Payment $XXXX XXXXEmail notice loan paid off no payment due email from greenskyXXXXGreensky said loan not paid off. Error corrected.XXXXI asked for a new loan with a new start date and new payoff deadline.XXXXGreensky denied any compensation to me or give me a new 18 mo. Loan.'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I'm filing a complaint about a deferred interest charge of about {$960.00} that was added to my Synchrony Bank account after my promotional period ended. I made a purchase of {$1500.00} on XX/XX/XXXX, under a 24-month " no interest if paid in full '' promotion, which expired on XX/XX/XXXX. From the beginning, I set up automatic payments and consistently paid on time every month. To be honest, I wasn't reviewing my statements closely because I trusted the autopay was handling things correctly. My payments started around $ XXXX {$60.00}, but over time they dropped to about {$30.00} as the minimum payment changed. I didn't realize that these amounts were not enough to pay off the balance within the promotional period. I did not intentionally choose to pay only the minimum. I had automatic payments set up and understood that I was making a consistent fixed payment each month to pay off the balance without interest. I relied on that setup and believed I was on track throughout the promotional period. What I find most concerning is that my autopay amount automatically decreased over time, from around {$56.00} to {$30.00}, without any notification. I never agreed to lower my payment- the system reduced it for me, which guaranteed I would not pay off the balance in time. In my mind, I was doing everything right - paying consistently, on time, and letting autopay handle it. I never thought something like this would happen. What's really frustrating is that it was never made clear to me, in a way that felt obvious or actionable, that paying the minimum would lead to a large retroactive interest charge. Based on the original balance, I would have needed to pay around {$66.00} per month to avoid interest, but that was never clearly communicated. Because of this, even though I made payments for two years in good faith, I was left with a remaining balance of about {$680.00}, which then triggered nearly {$1000.00} in deferred interest on the original purchase. I have now paid the full balance. This situation feels really unfair and honestly shocking. I believed I was managing my account responsibly, and I did not expect that relying on automatic minimum payments would result in such a significant retroactive charge. I'm requesting a goodwill adjustment or refund of these deferred interest charges. I would also like clarification on how automatic payment amounts are determined and whether customers are clearly informed that minimum payments are not sufficient to meet promotional payoff requirements.

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 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/year>, I got an email from PayPal that I sent XXXX to XXXX XXXX. I do not know this person and never had any transactions with him the entire XXXX years that I have been a PayPal customer. I hardly ever use it. I filed several complaints through the website and though speaking with XXXX different agents about the take over. They keep closing the case with me being the one who is suppose to pay the XXXX back. That day on the 1st, I called my bank and reported the theft. Then the next day my bank refunded me my money through the fraud department and I closed my bank account. I filed an XXXX I also filed with XXXX I sent these documents to PayPal along with a letter that the XXXX wrote for me to send them. I told them I wanted them to escalate this as an account takeover and that it is fraud. They accepted my documents closed the case again and say I owe them XXXX. I also put a fraud alerts with XXXX XXXX for a year. PayPal is harassing me with emails and text demanding everyday for me to pay them. They will not let me close my account. They are sending me credit card offers as well. I don't want my credit ruined because of an account takeover. I also changed all my passwords to protect myself. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
ON XXXX XXXX I TRANSFERRED {$500.00} TO AN INCORRECT E MAIL ADDRESS USING XXXX WITH CHASE BANK. I FILED A CLAIM WITH CHASE BANK ON XX/XX/year>. CLAIM # XXXX. I REQUESTED THE INFORMATION OF WHICH BANK THE MONEY WAS SENT TO IN ERROR. CHASE BANK REFUSES TO DISCLOSE THE INFORMATION SO THAT I CAN CONTACT THEM DIRECTLY. I HAVE A RIGHT UNDER REGULATION E FOR THIS INFORMATION AND A WRITTEN RESPONSE. THANK YOU FOR YOUR HELP IN RESOLVING THIS TRANSACTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
On Thursday XX/XX/year> Capital One Closed all XXXX of my account with them without giving me a reason. I called and spoke with the supervisor named XXXX and she could not give me a reason as well. I then spoke with a representative named XXXX and she also could not give me a reason. They stated they are sending out a check of the remaining amount within my savings. However I did not receive an amount and they will not tell me when I will receive the check. The amount within my savings upon todays date is {$1600.00}. Capital One did not tell me they will be closing my account until after it was already done and froze all my funds. I am very frustrated because I am not given a reason and no one can tell me when I will be receiving my money they froze.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: FL

Complaint narrative:
I have already paid off the remaining debt with my former landlord. The debt was not {$1100.00} either, it was {$670.00}. I am attaching documentation. I have not received any form of communication from this debt collector yet. The debt collector is I.Q. Data International , Inc., my former landlord is XXXX XXXX XXXX. I have not received anything by email, phone, or by mail. I dont think that the landlord updated certain information, like new address. The paid-for debt should not have gone to collections, either. The amount was {$670.00}. I was not aware of this until I checked my credit score recently on an app, or given time to dispute this, either. My landlord has sent me a bill to the former address before, instead of the new address, so my guess is that my landlord did update information, or the that I already paid this off. I also have sent a letter to the debt collector with a certified mail receipt requesting them to remove the debt, as well. However, I havent received a response back either. I need this fix, and the account removed from my credit report account immediately, thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2026-04-30 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) Section 809 ( b ) by sending a formal Debt Validation Request to Transworld Systems Inc. ( TSI ) regarding file number XXXX, and account number XXXX. Despite receiving my request via Certified Mail on XX/XX/year>, TSI has failed to provide any verification of the debt within the 30-day legal window. Instead of validating the debt, they have ignored my request while continuing to report this unverified information to the credit bureaus. I am currently an incoming graduate student ( XXXX : XXXX ), and this unverified entry is causing significant financial harm. I am requesting that this unverified and improperly reported debt be deleted from my credit profile immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: Block, Inc.
State: MI

Complaint narrative:
I received marketing text that I didn't ask for multiple times from Cash App and I feel uncertain about my privacy and that my privacy was compromised.

Company response to consumer: Closed with explanation