vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-23 00:00:00
Product: Credit card or prepaid 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hello, My husband XXXX XXXX passed away last year ( XXXX XXXX ). 

I paid myself the amount of {$200.00} after his passing on XXXX XXXX. I called the company to let them know about his passing and closed his Apple wallet account. 

I was told later on by bank representatives and lawyers that I was not liable for debts in his name and that I could request a refund. 

I asked for a refund in XX/XX/XXXX by sending by mail all the documents they requested to issue the refund ( small estate affidavit, death certificate, bank statement justifying the payment I did ). They said there was no email I could send the documents to. 

I've been back and forth on the phone with them for months following up. They were saying that they didn't receive them in XX/XX/XXXX so I send the documents again on XX/XX/XXXX. 
I kept asking for an email where I could follow up but they said that I have to call them. 

They received the documents on XXXX XXXX ( I have the XXXX  tracking number delivery proof ). 
at Goldman Sachs Bank USA, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 

I spoke with a representative on XX/XX/XXXX and they said they received the documents and that it takes a while to process the refund and issue the check for the amount of {$200.00}. 

On XX/XX/XXXX, I spoke to XXXX he said that they were processing the refund and that an email will be sent to my husband 's email box after one month before sending the check for {$200.00}. 

No email was received from Goldman Sachs today on my husband 's mail box. 

On XX/XX/XXXX I spoke to XXXX a supervisor, and she said that they will escalate and a supervisor will call me to help me ( in about a week ) They gave me case number # XXXX. 

I received no call as of today and no refund. 

Would you please help me resolve that issue, Goldman Sachs tel : XXXX XXXX XXXX Thanks for your help, Thanks, XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Purchased merchandise through a company. Received an invoice from them. Went to the TD Bank to do a wire transfer. this happened on XX/XX/2022. Did not receive my merchandise, apparently this Company is Fraud. The Main office is located in XXXX XXXX XXXXXXXX, NY and the instructions I received was to transfer the money to a Bank in XXXX called XXXX BANK. Did not receive my merchandise. Went to the Bank filed a complaint on XX/XX/2022. It usually takes time to make a XXXX XXXX XXXX for a XXXX, that's why it took some time for me to go and file a complaint. The company was in touch with me throughout the entire time and confirmed that the funds were received and merchandise is being shipped ( never shipped ). I tried to reach out XXXX times and there was no answer. Called TD BANK a million times, they said case closed because XXXX BANK did not answer their calls ( hardly believe that ). The amount wired was {$11000.00} ( not a small amount ). I have to take a loss of XXXX and I have to deliver the merchandise to my customer that has paid for the transaction. Please help me retrieve my funds. I am a small business trying to make ends meet during this difficult time. Also visited the branch numerous times and was told that they cant help me w International wires and I am not insured nor am I protected in any way at all. Its hard to believe that the Bank that I bank with for many years can't help me!! 
My Company name is : XXXX XXXX XXXX Located : XXXX XXXX XXXX XXXX, XXXX, NY XXXX - Tel # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: ME

Complaint narrative:
I am the cosigner of my son 's ( living with me ) private student loan provided by the XXXX XXXX of Maine ( State government agency ). During the pandemic, my son 's studies were ( and still ) interrupted due to him not being able to continue with his FAA check rides due to social distancing and being in a cockpit. Since " studies '' have not resumed for this duration, I am assuming perhaps this was the trigger to begin repayment. With student loan suspension, student loan forgiveness, and the fact my son 's studies have " suspended '' and not halted, the schedule of when student loan repayment obligations would begin was a mystery. No notice had been communicated to me or my son ( although FAME stated Firstmark claimed they did ), and I began to receive " cold call '' type inquiries from a company called " Firstmark Services ''. They would call, and announce it concerned " my '' student loan. Inquiring as to what they were concerned about ( at this point, I have no indication this is not a sales or phishing call ) that ask for my social and/or date of birth. I tell them that I am not about to divulge this information over the phone, especially since they can not provide one piece of information that validates they are talking about a " real '' subject they have a right to talk to me about. I have had no information that Firstmark is anybody we have ever dealt with or did I know that they were FAME 's servicer. Just as when I closed my refinance of my mortgage, I was deluged with calls claiming they need to talk to me about my mortgage. Cold calls to sell me on insurance, due to the fact of the public nature of my loan. These borderline fraudulent type calls appear common and accepted as of late. I told them multiple times to mail me, if they expect me to believe this is an official communication. One call they claimed it was my loan, and I did hang up since it is not and with the wrong name. I eventually received a " NOTICE OF RIGHT TO CURE '' letter.. one that contains strong language describing the urgency of the situation. I went to the FAME office to inquire, and they informed me at that time that Firstmark is their servicing company. My son did contact them, and attempted to establish automatic payments from his bank account. These " automatic payments '' rarely continue month to month, and I appear to receive my son 's billing notifications through my own personal email. They have failed incredibly bad on keeping payments, contact information, and credible notifications timely, organized and retained. I have no doubt, despite their severe negligence on keeping things straight, that they have made a mess of both my ( cosigner ) and my son 's credit report, and I have no trust they have their record keeping straight or accuate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 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: IL

Complaint narrative:
This company calls me every single day. Leaves a message with no information other than to call back about debt collection. I have checked all credit reports - theres nothing that even mentions this NCB Management Services. 

I have blocked their phone number previously, and they just start calling on another phone number. I have asked them to stop calling me, they will not. 
When I do call back, they tell me this is their attempt to collect a debt. I ask what they are talking about and they say " we're attempting to collect a debt. '' When I inquire about what debt they're calling me about, they ask me for my personal information including DOB and SSN. I say I have never received anything in writing from them, so I will not provide my personal information- I can't confirm its not fraud. 

They're the ones calling me every day over something I have no knowledge of. If they're contacting me everyday, they shouldn't need me to hand over my SSN before proceeding. Again, I have nothing in writing from them - ever. I have nothing with their name in my emails, my credit reports, nothing! How do I get them to cease and desist communications?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
CFPB + True Accord, On a recent review of emails, I received an email from True Accord saying I owe a debt. I am requesting validation of this debt. 

Attached to this email are : - copy of drivers license - this serves as ID as well as address - written complaint I hereby notify you that I am disputing this debt in its entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes a third party like yourself to collect on this debt. 

Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. 

You are only to contact me via the CFPB as well as mail at the address I have provided herein. 

I am allowing you a period of 30 days or less to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. 

Your failure to act will result in this matter being referred to the Attorney Generals Office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
n accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I signed up for a card with Old Navy. This was right before they changed the banks so it was starting with XXXX They are now with Barclays bank but they said that they could no longer help me. I went ahead and just paid the balance that Im disputing because it has affected my credit outrageously taking me from good credit to below average. Ive been trying to dispute this since Ive signed up because I never received my card and there was a balance on my card. So I need help to fix this error.

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 2022-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hello, Submitting a claim against Commenity bank for threats, repetitive calling and harassment. 

This company to date has called me more than 7 times in one day, and have called back to back. I'm well aware of the debt and tried to fix this with them a month ago when the employee who was trying to help me left me on hold for more than an hour, i have XXXX and don't have the energy or time to wait for someone to attempt to help me payoff a debt so i hung up. Since this date, i have had calls nonstop and its harassing me to the point i silence my phone XXXX. The calls start around XXXX XXXX, and have ended at XXXXXXXX XXXX XXXX XXXX 

XXXX - XX/XX/2022 Commenity bank called from XXXX at XXXX, then XXXX, XXXX, XXXX. 
XX/XX/2022 - XXXX, XXXX, XXXX, the XXXX This goes on like this for days since XXXX. 

AS of today XX/XX/2022 - i answered the phone at XXXX from ( XXXX ) XXXX to try and clear ip the debt, however, the lady on the phone, was rude and aggressive and told me i will need a lawyer if i don't clear this debt today XXXX {$290.00}. I attempted to explain my father XXXX XXXX XXXX XXXX and that i too was XXXX  and she cut me off, so i saw we were getting nowhere with her disgusting attitude and asked her to please call me back in roughly an hour/half at XXXXXXXX XXXX and she said, no I want and you need to clear this right now ect. i was unnerved by how nasty someone could be, why on earth would i continue the conversation if someone is threatening me over a lawyer and outright rude. I am aware of the debt and i am not going to tolerate someone harassing me while i am sick, and my father is in XXXX. People fall on hard times when they are ill and a little empathy could have helped this company go a long way. 

I have screenshots of the numerous calls in one hour, and recorded the rude, nasty lady over the phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B View attachments below

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the FAIR CREDIT REPORTING ACT, XXXX XXXX XXXX XXXX XXXX has violated my right under 15 USC 1681 section 602A and 604A section 2 and 15 USC 1666B View attachments below

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
I had a deposit of {$6400.00} from XXXX XXXX into my TD Business Bank account ending in XXXX, at the time the account was in a negative balance of {$680.00}, I notified the bank I paid off the negative balance when the deposit entered the account on XX/XX/2022. I notified the bank I was currently on vacation in XXXX XXXX and I would need the remaining balance immediately, while doing so TD Advised me I would need to wait for 24-48 before I would be able to pick up the remaining balance from a TD Bank Branch located in XXXX XXXX XXXX XXXX As of today XX/XX/2022, that time period has lapsed, I am now being told I can not receive the remaining balance until after XX/XX/2022 doing so would put me in serious financial and personal situations which I told TD Bank repetitively XXXX I really need my money as soon as possible which is why I have XXXX direct deposit the {$6400.00} into my TD Bank account so I can use the money immediately. As of XX/XX/2022, I have had to sleep in my car without gas, no food, no way to purchase a flight or purchase my XXXX XXXX Every time I contact TD Bank I am told I must wait for another 24-48 hours and another and another. There is currently no solution to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency and/or company CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
This item from XXXX XXXX should have been deleted from my credit report. I paid for a pay for deletion and the item is still on the report. This item is also over 7 years old. 

This is in violation of 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692c ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2022-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: Early Warning Services, LLC
State: CT

Complaint narrative:
I have made several claims between XXXX and Zelle. XXXX continues to tell me to go outside of them BUT they are my bank. Zelle has not yet reached back out to me. This is in the amount of {$730.00}. I have not had a resolution since XXXX XX/XX/25. Please assist in anyway possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I suffered an XXXX data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency and/or company CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

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 2022-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I suffered an Equifax data breach. My information has been used fraudulently. I have reviewed my consumer report and have noticed various accounts opened using my private information. All allege contracts are completely fraudulent and an attempt to enforce a fraudulent contract is unlawful due to the contract being created through illegal activity and power of attorney fraud. Please expedite the securing of the allege information listed on my consumer report to avoid me being a victim of identity theft. The FDCPA is intended to secure my right to privacy and my privacy has been breached. Please block and remove all information resulting from identity theft pursuant to FCRA 605b and Title 15 USC 1681 c-2 which states that these accounts must be removed within 4 business days. Title 15 USC 1681 604 ( a ) ( 2 ) also states a consumer reporting agency and/or company CAN NOT furnish an account without my written consent. YOU DO NOT HAVE MY CONSENT. Title 15 USC 1681 602 ( a ) states I have a right to privacy.

Company response to consumer: Closed with explanation