vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MORGAN STANLEY & CO. LLC
State: FL

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this response to Morgan Stanley Private Bank, National Associations ( MSPBNA ) letter regarding checking account ending in XXXX. 

I do not dispute MSPBNAs contractual right to restrict or close an account. However, MSPBNAs response fails to address multiple procedural failures that have resulted in the continued withholding of finalized funds and measurable consumer harm. 

First, MSPBNA confirms that the ATM dispute was investigated and resolved in my favor, as the {$980.00} provisional credit was made final on XX/XX/2026, confirming that an error occurred. Despite this determination, MSPBNA continued to restrict the account and deny access to the finalized funds. 

Second, MSPBNA terminated the account on XX/XX/XXXX, XXXX days before the dispute investigation was completed. Closing the account prior to final resolution raises concerns regarding process integrity, particularly where the funds were ultimately confirmed as owed to me. 

Third, MSPBNA states that the finalized balance was disbursed via wire transfer on XX/XX/2026. I requested a wire transfer in an effort to access my funds ; however, the wire was not approved by MSPBNA and was subsequently canceled. As a result, the funds remain stuck in a closed and restricted account, and MSPBNA has refused to release the funds by any alternative method, including issuance of a check or permitting withdrawal. 

Fourth, MSPBNAs continued denial of access to my finalized funds has caused concrete financial harm. My rent was due during this period, and I am now two months behind on rent solely due to MSPBNA withholding funds that were confirmed as mine. This has exposed me to late fees, penalties, and the risk of housing instability. 

Fifth, MSPBNA states that it has no record of a written final dispute outcome notice being sent to me. This lack of written confirmation further demonstrates inadequate communication and transparency throughout the dispute and account closure process. 

Finally, MSPBNA admits that it does not provide customers with specific details regarding account restrictions. This left me without a clear explanation, timeline, or path to resolution while my funds remained inaccessible even after the dispute was approved. 

Given that the dispute was resolved in my favor and no fraud was found, this matter now concerns the improper withholding of customer funds. I respectfully request CFPB assistance in reviewing MSPBNAs conduct, including : - Continued denial of access to finalized funds - Closure of the account prior to dispute resolution - Canceled wire transfer with no alternative method provided to access funds - Failure to provide written dispute outcome notice - Financial harm resulting from prolonged withholding of funds - Lack of transparency regarding restrictions and resolution procedures

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I dined at XXXX XXXX in XXXX Texas in the greater XXXX XXXX area upon completion of my meal, I was asked to check out and pay. Once I handed the waitress my card I was shown my charges simultaneously as my card was swiped. Upon reviewing the charges, I immediately realized that I was charged for items that I did not order. I was charged for 4 items that I did not order totaling {$22.00} which brought my bill total to {$95.00} + {$7.00} for tax, instead of the {$74.00} I actually owed and whatever the tax amount shouldve been. After bringing this to my waitresses attention, I was assured that I would be refunded for the items that I did not order. I also asked for a receipt of my charges and said refund, the waitress proceeded to go to the back and she returned saying that the receipt machine was broken. She did, however, state that I could take a picture of the machine that she used to charge me which listed all of my charges for that night. 



I have uploaded said picture of the receipt which shows the date and time of the charge which should coincide with the charge on my bank statement. 
On the picture of the receipt, you can clearly see that I was charged {$94.00}. Later in the night I checked my account and realized I was actually charge {$120.00} instead of the {$94.00} + {$7.00} in tax that I swiped for. Initially I was going to wait for the refund I was promised but upon realizing I was overcharged {$50.00} instead of the {$20.00} I was going to be refunded and having reached out to the merchant to no avail, I decided to file a claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: GA

Complaint narrative:
I am filing this complaint regarding IQ Data Internationals handling of a valid debt they are collecting and reporting. 

I acknowledge that the debt is accurate and that I am actively attempting to resolve it. Over multiple attempts, I have made good-faith efforts to negotiate a reasonable lump-sum settlement in the range of {$3000.00} {$3500.00} on a balance of approximately {$5500.00}. These offers represent a substantial and realistic settlement amount. 

Despite my willingness and ability to resolve the account, IQ Data XXXX has been extremely difficult to communicate with and unwilling to negotiate. Representatives have refused to engage in productive settlement discussions, provided inconsistent information, declined to escalate the matter to a supervisor or XXXX  department, and have not offered clear or written settlement terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: OK

Complaint narrative:
Chime has repeatedly denied legitimate disputes and last month suddenly moved my veteran affairs deposits to being non qualified deposits and removed my benefits and now they are holding my deposits when I know for a fact they have received my deposit bec it shows in a section of the app

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
XXXX'I opened an account with Chase Bank in advance of an incoming check from the XXXX XXXX for my XXXX  Back pay of XXXX I received the check in the mail XXXX  XXXX and I went to deposit the check at a Chase Bank location close to me. The teller told me  the check would be held for up to a month, so I cancelled the deposit. XXXX went to another branch on XXXX XXXX and spoke to a personal banker, which he said the hold was going to be 3 to 10 days. After the deposit was made, I left the branch and was running errands when Chase called me and said they needed me to verify my information, which I did, and I thought I was all good. Then I called the next day to check the status and I was told the check is being held, and now I also have restrictions on my account. Well fast forward, I was calling Chase everyday wanting to know the status of my deposit, I was transferred to numerous supervisors, with no help. Finally on XXXX, the hold was lifted off my account, due to the check clearing, which it cleared 3 days after the deposit, but the restriction was and is still in place. The reps at Chase said they are trying to verify the funds, and if Im the correct payee, on a check that already cleared, so no, they  arent going to be able to verify due to the check already clearing. \n\nSo, here I am, disabled and homeless waiting for money from my disability back pay, that Ive waited foXXXX XXXX XXXX years for my money so I can finally get my life back in order after losing everything I have, and now I have Chase Bank holding these funds, and isnt allowing me access to the funds, and I have nowhere to turn. I feel Chase Bank is stealing funds from me, which if that was us stealing from them, we would go to jail, so what makes them so untouchable, that they cant be help liable for theftXXXX XXXXPlease, please, please help, I need my money!!!'

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am filing a complaint regarding excessive and repetitive {$35.00} overdraft fees charged by Wells Fargo despite me making regular deposits into my account. 

Over a short period of time, Wells Fargo charged multiple {$35.00} overdraft fees while deposits were being made to cover transactions. Even when funds were deposited, additional overdraft fees continued to post, creating a cycle where my deposits were immediately consumed by fees rather than applied fairly to my account balance. 

I contacted Wells Fargo to request a refund or adjustment, explaining that I was actively depositing money and attempting to bring my account current. Wells Fargo refused to refund the fees or provide a reasonable resolution. 

I believe these fees are excessive and unfair, especially given that deposits were being made and the account was not left unattended. The manner in which the fees posted caused financial hardship and prevented me from recovering my balance. 

I am requesting a review of these overdraft fees and a refund of the charges that were assessed during this period.

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 2026-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Harris & Harris, Ltd.
State: LA

Complaint narrative:
This debt collector Harris and Harris LTD has been contacting me regarding a debt owed from XXXX. I have disputed the balance owed with XXXX and this company on several occasions. I do not owe this debt collection company anything/ any money at all. This company has been contacting me on a daily basis, with phone calls and text messages to my phone number. This is causing stress and has created a financially crippling situation, with this debt being reported on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem when making payments — 
Company: Healthcare Finance Direct LLC.
State: NY

Complaint narrative:
In XX/XX/year>, I visited XXXX XXXX & XXXX XXXX for a teeth cleaning. During the visit, the staff focused on preparing a tooth for a crown instead of performing the cleaning I requested. I completed a form to see if I qualified for a payment plan for the crown, which was approved, but I did not authorize treatment and the crown was never placed. 

I canceled care with the dental office on XX/XX/year>, and informed them I would not accept any services. Despite this, XXXX XXXX XXXX has sent multiple notices demanding payment for a {$2000.00} crown financing plan, including past due notices, while refusing to acknowledge my cancellation. My insurance provider ( XXXX XXXX ) is also reviewing a grievance regarding services billed but not rendered. I am requesting that my account be marked as disputed, that no collection or negative credit reporting occur, and that charges for services not performed be canceled.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Loan XXXX XXXXXXXX with rocket mortgage. I XXXX XXXX m XXXX  veteran, who served this united states of america with pride in honour. 
I'm writing you because my mortgage company has increased my monthly payment from {$1600.00}. To {$1800.00} XXXX, that they have received my payment in XXXX late. I contact my financial institution capital. XXXX XXXX  and I inquired why my payment was received late by the mortgage company. My financial institution advised me, the payment was submitted in a timely fashion. I explained to them that the mortgage company charge me a XXXX. Dollar late fee, my financial institution then paid that late fee to the mortgage company and made everything whole. Mortgage company has refused to remove the increase in payment. Please tell me, what should I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Dave Operating, LLC
State: CT

Complaint narrative:
There is a new pending transaction dated for XX/XX/year> ; this money has already been withdrawn from my account on XX/XX/year>, but since its now showing up as pending again, its not funds that I can not access. The bank says it has already settled but I can still see it as a pending transaction on my account. I have taken screenshots and shown them, and they just keep telling me that its not there as pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Delays with the closing process
Company: Freedom Mortgage Company
State: MO

Complaint narrative:
When I first started to refinance, I was told it would take XXXX weeks. This was the beginning of XXXX around the XXXX. They said it would be around the end of the year. I would have it closed maybe on the very first of the year I had problems with the person that handled the loan whenever I would call to see what was happening the XXXX XXXX would say XXXX XXXX I dont have time for you. I have other customers. The XXXX  XXXX did not even have time to wait XXXX minutes for me to unfreeze my credit when they called me to tell me my credit was frozen. She said I have other customers I was told it was in underwriting quite a times when it was not XXXX day before it went to underwriting I was told it would be walk-through after all the problems it was not I was told I would have the closing on the XXXX it wasnt I was told I would have the money in my account on the possibly on the XXXX after the XXXX day waiting process was over or sometime over the weekend that didnt happen then I was told I would have it on the morning of the XXXX that didnt happen that I finally got the money in my account at quarter till XXXX that afternoon all along never nothing but lies to me at every stage of getting this refinance. The title company told me that they got the same thing from everybody that go through Freedom mortgage that they theyre told that it would be XXXX weeks that they were told that the money would be in the bank that morning and they had nothing but problems the whole process so Freedom mortgage needs to find out whats going on with their loan. Officers is lying to all of their customers because they lied the whole process about what theyre doing. When I refinanced in XXXX I did not have any of these problems when I refinance before that I did not have any of these problems. Something has changed at this company that has made it horribly horribly bad. if I had not been complaining the whole time and calling and making things happen it wouldve took XXXX months at the minimum to have this gone through. I was complaining and calling the whole time or my loan would have taken a whole lot longer than this, and I was promised the beginning it would take XXXX weeks. I had hired a crew and they were waiting and I gave down payment that I lost then they gave me a {$50.00} gift card for compensation thats ridiculous. They record all their calls so all of this will be in their records. I dont think they can dispose of those phone calls recordings so they know that they did this and they sure wouldnt have tried to bribe me with a {$50.00} gift card.

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 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
XXXXDear JPMorgan Security TeamXXXXMy name is XXXX XXXX XXXX XXXX based in XXXX. I am writing to report a suspected impersonation / phishing attempt using the email addressXXXXThe sender claimed to be associated with JPMorgan and communicated with me regarding a loan/financing process. I later identified multiple red flags and I strongly believe this was an attempt to defraud me and/or obtain sensitive informationXXXXImportant: I did NOT make any payment requested by the sender. However, I did share company-related information during the processXXXXI kindly request your support to verify whether this domain/email is legitimate and to investigate this caseXXXXDetails provided belowXXXXSuspected email address/domain: XXXXCountry: XXXXType of scam: loan/financing impersonationXXXXPayment made: XXXXInformation date: XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
In 2006 I sold my house in XXXX California and it was a Wells Fargo loan. I moved to XXXX Arizona and purchased a home in XXXX.. I found out 10 years later that Wells Fargo did not pay off my California XXXX XXXX so I paid higher interest on my home in XXXX. I read there was a class action lawsuit against Wells Fargo for doing this however theres been no restitution.. I lost that home in XXXX Arizona due to the housing crisis that was fraudulent as well and maybe if the payment was lower I wouldnt have.

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 2026-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOFI TECHNOLOGIES, INC.
State: IN

Complaint narrative:
I filed a dispute with SoFi Bank on XX/XX/year>XXXX  regarding an unauthorized debit transaction on my account in the amount of {$1300.00}. 
More than 10 business days have passed since the dispute was submitted. SoFi Bank has not issued provisional credit, has not completed the investigation, and has not contacted me to request additional information or written confirmation. 
This dispute is covered under the Electronic Fund Transfer Act ( Regulation E ). When a financial institution can not complete its investigation within 10 business days, Regulation E requires the institution to provide provisional credit, provided the consumer has met notice requirements. I have met all notice requirements and was never informed of any missing documentation. 
I have received no communication from SoFi Bank explaining the delay or the failure to issue provisional credit. 
I am requesting that SoFi Bank comply with Regulation E by immediately issuing the required provisional credit or providing a written explanation that complies with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WESTERN UNION COMPANY, THE
State: TX

Complaint narrative:
have an active XXXX XXXX line of credit with Western UnionXXXX that is reported on my credit report with a {$0.00} balance. I have been unable to access or use the credit line since XX/XX/year> due to a system/onboarding error. 

When attempting to use the credit builder payment method, I receive an error stating that the Western Union consumer was not created before onboarding. I have contacted Western Union multiple times and was escalated to the XXXX XXXX  department. 

During a supervisor-level call on XX/XX/year>, Western Union acknowledged that the issue is due to an internal system error and that they do not have an answer or timeline. They also confirmed they are working with their technical team to resolve the issue. 

I requested confirmation of a workaround or manual authorization to use the credit line, or written confirmation of denial. Western Union has not provided any interim solution, timeline, or confirmation, and access remains blocked. 

I need access to the credit line to make a time-sensitive payment, and the companys failure to provide a resolution or clear status is preventing me from using an active approved line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
This company is violating my rights. They have not provided validation information. 
Under 12 CFR 1006.34 ( b ) ( 5 ), yet they have placed a collection on your consumer report recently.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-01-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: SD

Complaint narrative:
As with everyone else I am struggling to get things paid. I am trying to get my credit cards paid for in a timely manner. 
I have a Indigo credit card and about everytime I am making progress in getting it paid down, the company slaps a high annual fee on me and causes it to look like its over the limit on my credit report. Though no fault of my own, I am currently XXXX dollars negative.

Company response to consumer: Closed with explanation