vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
On Monday XXXX second at approximately XXXX XXXX i started getting telephone calls from telephone numbers i did not recognize, i finally answered the phone and it was the rudest representative i have ever talked to, he started off by telling me if i did not pay the debt i allegedly owed the company would come after me and take legal action, i asked him to call me back in about an hour so i could do some research on this but i never received another call that day. I did reach out to my attorney and he told me to download a voice recorder app on my phone so i did and the following day i received another call from a representative from Halsted financial and this time it was a female and i told her our call was being recorded and she informed me that she was doing the same thing and proceeded to ask me how i was going to pay for the debt allegedly owed and i told her i need some kind of proof that it was mine and she stated that it has to be mine if it wasn't how did the company get my contact info. I cut the conversation and told her i do not want any more phone calls or any kind of communication and i was blocking the number, this seemed to make her more agitated because she was talking over me and not letting me say anything else, so i just hung up, but i do still have the recorded conversation. since i blocked the number i constantly get phone calls from different numbers all day long and now i get endless emails telling me they can work out a payment plan with me... I have attached every email they have sent me. The harassment needs to stop or we will be forced to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc.
State: GA

Complaint narrative:
I reserve all rights under the Servicemembers Civil Relief Act ( SCRA ), 50 U.S.C. 3937, including but not limited to interest rate protections and the prohibition against improper servicing or enforcement actions during periods of qualifying military service.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Colony Brands, Inc.
State: NY

Complaint narrative:
I received a bill from Montgomery Wards on XX/XX/year>. I called them and they took all the information from me. Told me they put a fraud alert up. Some of the packages went to, XXXX, and XXXX, and XXXX. I received 5 packages since. I have tried to have them give me return labels. but can not get ant were I also file a fraud alert with the Police. I keep getting packages I did not order. I want it to STOP!!!!!!!! Thank you. The Police said that this is a Scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
In XX/XX/year>, during the onset of the COVID-19 national emergency and widespread economic shutdowns, I became unemployed due to pandemic-related impacts. 

On XX/XX/year>, I received written notice from Goldman Sachs Bank USA that my Apple Card account was 5 days past due. Shortly thereafter, I elected hardship accommodations offered by the company as part of COVID relief options.

Despite enrolling in hardship, the account ultimately progressed to severe delinquency and was later reported as a charge-off. This derogatory reporting continues to significantly damage my credit profile nearly six years later.

Under the CARES Act, if a consumer enters into an accommodation agreement during the COVID-19 national emergency and the account was current at the time the accommodation began, the creditor is required to continue reporting the account as current during the accommodation period. 

I am requesting investigation into : Whether my account was properly coded and reported under CARES Act accommodation requirements Whether the progression to charge-off complied with federal reporting standards Whether continued derogatory reporting is accurate and compliant with FCRA requirements Since 2020, I have maintained responsible credit behavior and have fully resolved another COVID-impacted account. I am requesting review and correction or removal of this charge-off reporting if it was not handled in compliance with applicable law.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BOK FINANCIAL CORP
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting this complaint to formally dispute multiple fraudulent accounts that have been opened in my name without my authorization. I did not open, authorize, or benefit from these accounts. I believe I am a victim of identity theft. 

These accounts and the associated debts are inaccurate and must be investigated and removed in accordance with federal law.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate information on my credit report, and consumer reporting agencies and furnishers are required to conduct a reasonable investigation and correct or delete unverifiable or fraudulent information. 
Additionally, under the Fair and Accurate Credit Transactions Act ( FACTA ), I have the right to block fraudulent information resulting from identity theft once proper documentation is provided.

If any third-party debt collectors are involved, the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., prohibits the collection of debts that are not valid and requires debt validation upon dispute.

If these accounts involve electronic fund transfers, I also invoke my rights under the Electronic Fund Transfer Act ( EFTA ), 15 U.S.C. 1693 et seq., which protects consumers against unauthorized transactions.

I am requesting the following actions : Immediate investigation of all fraudulent accounts Closure of the fraudulent accounts Removal of all associated debts Deletion of any negative credit reporting related to these accounts Written confirmation once corrections have been made I am prepared to provide identification, proof of address, and an Identity Theft Report to support my claim. 

This situation has caused significant distress, and I expect prompt compliance with federal consumer protection laws. Thank you for your assistance in resolving this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: DC

Complaint narrative:
I am filing a complaint regarding Cash Apps failure to identify, prevent, and timely investigate unauthorized transactions linked to my account and connected bank account. 

Between XXXX XXXX XXXX, XXXX, unauthorized withdrawals and deposits ( XXXX total ) occurred on my bank account statements from Cash App. I did not authorize, initiate, or knowingly participate in these transactions. These transactions were inconsistent with my historical usage and occurred without my consent. 

Upon notice of the fraudulent transactions on XX/XX/XXXX, I contacted Cash App to report the unauthorized activity, however I was informed that no unauthorized transactions were visible from their perspective and was advised to resolve the issue with my bank. No meaningful investigation was initiated at that time. 

As a result of Cash Apps position, my bank relied on Cash Apps lack of confirmation to deny my fraud claim multiple times, citing authorization and/or participation. Only after repeated inquires, on XX/XX/XXXX, Cash App finally opened an official investigation into the disputed transactions. As of this filing, I have not received a resolution, written findings, and investigative documentation. 

Cash Apps delay in initiating an investigation and failure to provide timely, written confirmation of unauthorized activity materially harmed me by contributing to my banks repeated denial of my claim. I am requesting regulatory assistance to ensure Cash App completes a proper investigation and provides documentation regarding the disputed transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Deceptive Servicing and Breach of Rate Modification Agreement ( NavientXXXX XXXX  I am disputing the current interest rates ( ranging from 9 % to 13 % ) on my five private XXXX loans ( disbursed XXXX ). In XXXX, I entered into a verbal agreement with Navient for a 4 % fixed-rate modification. However, my account history proves that this agreement was either ignored or deceptively implemented as a high-interest variable plan. 

Mathematical Evidence of Servicing Misconduct : My payment history from XX/XX/XXXX through XX/XX/XXXX reveals a predatory shift in how my funds were applied : Pre-Modification : I was paying approximately {$280.00} monthly, which was applied entirely to interest before graduate school. 
Post-Modification : My total monthly payment nearly doubled after my XXXX  school forbearance to {$560.00}. 
The Discrepancy : Despite my out-of-pocket cost doubling, the interest charge spiked by 70 % ( to {$480.00} ), leaving only {$85.00} for the principal. 

A 70 % spike in interest charges is mathematically inconsistent with the 4 % fixed rate I was promised on the phone with Navient. It indicates the servicer implemented a high-interest structure that ensured my debt would never be retired. As of XX/XX/XXXX, I have paid a total of {$68000.00} since XXXX, yet only {$11000.00} has touched the principal. Over {$56000.00} has been consumed by interest. 

I have been paying since XXXX with a great payment record. I am requesting that XXXX ( as the successor to Navient ) produce the XXXX internal account notes and communication logs to verify the 4 % fixed-rate promise that I relied upon. 

Total Amount Paid : {$68000.00} Total Principal Paid : {$11000.00} Total Interest Paid : {$56000.00} Total Fees Paid : {$200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: GA

Complaint narrative:
I am filing this complaint regarding a collection account reported by NCB in the amount of {$14000.00}. 

I have disputed this account multiple times with the credit bureaus. The account continues to be verified despite NCB failing to provide competent evidence validating the debt. 

Specifically, NCB has not provided : The name of the original creditor A copy of any signed agreement establishing liability Itemized billing statements showing how the {$14000.00} balance was calculated Proof of legal assignment granting authority to collect and report Verification of the Date of First Delinquency Verification without documentation does not constitute a reasonable investigation under the Fair Credit Reporting Act. 

I am requesting that this account be corrected or deleted if proper documentation can not be produced

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase is calling my deceased mother 's account ( last XXXX digits XXXX ) abandoned. I have requested the money, and they refuse to give me my mother 's money. Chase has been sent a death certificate... it seems they want to keep the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: MD

Complaint narrative:
I received text messages from a debt collection company claiming I owe the XXXX  XXXX over {$400.00}, but my XXXX XXXX is up to date and I do not have an outstanding balance with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I disputed a charge of {$2500.00} from XXXX XXXX XXXX for air-conditioning mold remediation services and installation of UV lights. The company said that this work would address mold growth around the AC unit. 
Within a couple of months after the service was completed, I discovered mold growing again, including in the ceiling area above the family room. This indicates the issue was not properly resolved. 
I attempted to contact XXXX XXXX XXXX to report the continuing mold problem and request that they return to inspect the damage. The company refused to come back to evaluate the issue and did not provide a follow-up phone call despite my requests. 
I spoke with a representative at Capital One regarding this dispute and explained that I do not have additional supporting documentation beyond the invoice of a second air conditioning company and my attempts at phone calls. I did not retain the prior text messages exchanged with the vendor. I was encouraged by prior agents to file a dispute. 
XXXX I spoke to XXXX ID XXXX. I was explaining the issue basically stating that XXXX XXXX did the work and basically disappeared. I added that he could not be bothered to return my calls to fix what was clearly a big mold problem with the air conditioning units which he had assured me he fixed. In speaking to XXXX she shut me down multiple times stating that I had no chance in filing a dispute. I asked her multiple times to speak to someone else because I didnt think that it was her place to make this arbitrary decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
I purchased my XXXX  XXXX XXXX from XXXX XXXX as the financing company in XXXX  I proceeded to make my {$420.00} car payment every month until about the time Covid hit where I was unable to work due to the shut down and after roughly XXXX  months of paying my car payment late I called. They told me a financial that I qualified for the disaster relief program they had for XXXX and that also because I was in a severe car accident and wondered XXXX they would be willing to forgive my late fees, so I continue to make my car payment and at the end of my loan after I paid my car off they turned me into collections for over {$1200.00} I have disputed this account several times furnished proof it was even a recorded phone call involved and they refused to take it off my credit that being said theyre also refusing a title release because of the balance due. I need this removed. The card no longer runs

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: GA

Complaint narrative:
I am filing this complaint regarding a collection account reported by Caine & Weiner with a balance of {$1600.00}. 

I have disputed this account multiple times, yet it continues to be verified without proper validation being provided. 

Caine & Weiner has failed to provide : The original creditors name A copy of a signed agreement establishing liability Complete itemized statements showing how the balance was calculated Proof of legal assignment granting authority to collect and report Verification of the Date of First Delinquency The repeated verification of this account without providing documentation suggests a cursory or automated investigation. 

Under the Fair Credit Reporting Act, furnishers must conduct a reasonable investigation and correct or delete inaccurate or unverifiable information. 

I am requesting deletion if proper documentation can not be produced.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: Bilt Technologies, Inc.
State: NJ

Complaint narrative:
I am an existing Bilt cardholder who was required to select a new Bilt 2.0 card product as part of the companys portfolio transition. Cardholders were informed that existing customers would be transferred to their selected new card without a new credit check. 

On XX/XX/year>, when applications opened, I applied to select my new Bilt 2.0 card option. My application immediately went into pending status. No approval, denial, or follow-up documentation request was provided at that time.

Approximately one week later ( around XX/XX/year> ), I contacted Bilt customer support. I was told my application was still pending and that I should receive a decision within XXXX hours. No decision or communication was received. 

After another week ( around XX/XX/year> ), I contacted Bilt again. I was then told I needed to contact the card servicing company handling the new Bilt cards to get status information. I contacted the servicer and was told my case would be escalated and that I would receive an answer within XXXX hours. No follow-up occurred. 

About a week later ( around XX/XX/year> ), I followed up again. I was then directed to contact XXXX XXXX, the prior issuing bank for the Bilt card. I contacted XXXX XXXX and was transferred back to the new card servicer. The servicer again stated the case was escalated and that I would receive a response within XXXX hours. No response was provided. 

On XX/XX/year>, I called again for status. The customer service representative was dismissive and stated there was nothing he could do, no supervisor was available, and no additional action could be taken beyond waiting. I was again told the case was escalated and I would receive a response within XXXX hours, despite multiple prior identical assurances that resulted in no action or communication. 

As of today, more than four weeks after applying, my application remains in pending status with no written decision, no timeline, and no accountable servicing contact. I have been repeatedly redirected between Bilt, the new servicer, and XXXX XXXX, with no resolution. The repeated XXXX hour escalation promises have not been honored. I am concerned about improper handling of the account transition, potential unauthorized credit inquiry contrary to stated policy, and lack of required application decision transparency. 

I am requesting a formal investigation, a written status and decision on the application, confirmation whether any credit inquiry was performed, and correction of any improper reporting or inquiry if one occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2026-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OR

Complaint narrative:
Failure to Follow Borrower Payment Instructions and Inaccurate Tax Reporting. 


I am filing this complaint against MOHELA for failing to follow specific payment allocation instructions provided on XX/XX/year>, in violation of borrower-directed payment policies. Despite a previous verbal agreement from MOHELA to rectify this error, my account remains incorrect, resulting in inaccurate interest accrual and a faulty Form 1098-E. 


On XX/XX/year>, I made a payment of {$980.00}. During this transaction, I provided explicit verbal instructions to a MOHELA representative via telephone : Apply this payment across all loan groups to satisfy all outstanding unpaid interest. 

MOHELA failed to do this accurately. Instead, the servicer misallocated the {$980.00} almost exclusively to the principal and accrued interest of one specific loan ( Sequence 1-05 Direct Subsidized ), leaving the outstanding interest on all other loans untouched. This contradicts my express instructions and standard industry practices for borrower-directed payments. 

I contacted MOHELA months ago to dispute this. The representative acknowledged the misallocation and confirmed a correction would be processed. To date, no adjustment has been made.

Company response to consumer: Closed with explanation