vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-29 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: NY

Complaint narrative:
Date : XX/XX/2017 XXXX : {$38000.00} XXXX Taken : Ask for proper reinvestigation and Experian is willfully non-compliant.

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 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: UT

Complaint narrative:
On XX/XX/2021, my credit card information was stolen. I reported it immediately to my bank, Chime. They have reversed all of the transactions but two of them saying they could find no error with the transactions. I filed a police report and notified them that I didn't make ANY of the transactions. They don't care. They say their decision is final. I'm still short for {$100.00} from the money that was stolen from me. Chime will not acknowledge that this was fraud, and still states that they found no error with this transaction, despite the fact that they found " error '' with all the other transactions. As part of their denial, they said I could request all the documents they used to come to this determination. I have requested those documents, and they still have not complied.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, In XXXX of XXXX I sent the first dispute to TranUnion regarding two inaccurate accounts that they are currently rand falsely reporting on my credit report. Initially they ignored my request, so I disputed the accounts again and at that point they're response was that the accounts were verified. In XXXX I disputed the accounts for a third time requesting that they provide me the method they used to verify this inaccurate information ( ie : my signature on a contract, my drivers license or social security #, etc ) and they sent me the exact same response again, that the account was verified ( with none of the proof that I requested ). 

Per the FCRA, TransUnion should not be reporting false information that they have not verified in the first place. Please Help!

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 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I opened a TD Bank " TD Beyond Checking '' account on XX/XX/XXXX and completed direct deposits of over {$2500.00} 30 days later on XX/XX/XXXX. Per the terms, I should have received the {$300.00} bonus by XX/XX/XXXX ( " no later than 140 days from account opening '' ). I had previously held a TD Bank account but it was closed greater than 12 months before. I printed to pdf the terms when I opened the account and have spoken with several customer service representatives since XX/XX/XXXX. TD Bank has opened a case and followed up with the promotions department. At no point has the promotions department reached out to me, even though I have offered to share the printed terms under which I opened the account. The last customer service representative that I spoke with suggested that I go into my local branch ( 150 miles away ). I have called the branch and was told to expect a call back from the branch manager the following day. That was last week and I still have not heard from the branch manager. 

" Offer is available to new personal checking Customers who do not have an existing or prior personal checking account at TD Bank within the preceding 12 months, open their account online via this web page and complete the required qualifying criteria. {$300.00} bonus offer available to eligible new personal checking Customers when opening a TD Beyond Checking account with cumulative direct deposit funds of {$2500.00} or more into the new account within 60 days of account opening ... Once the offer criteria is met, the bonus will be credited into the new personal checking account no later than 140 days from account opening. Account must remain open, active, in good standing and in the same product type through the qualifying period to receive the bonus. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I was the victim of a hacking fraud on XX/XX/2021. I received an email that day, claiming I had renewed a subscription costing something like {$300.00} and if I did not want to renew I had to call a number. I called the number XXXX and a man told me that I had already been charged but that he would process a refund if I followed his instructions. I am a XXXX year old man, so I don't always follow things very quickly but he had me download something and the next thing I knew he had taken control of my laptop computer. He said was doing it to process my refund. My daughter in law and then my son came into the room during this, and my son looked at my computer screen and realized that this person was transferring money out of my Citibank account using XXXX. My son shut the computer off, but not before the hacker made two transfers of {$990.00} each. I have no idea what account the transfers went to, but I did not make them and I did not authorize them. This person, whoever he was, had total control of my computer and he said he was transferring money to my account, not from my account. I almost immediately called Citibank to report the fraud. I had my daughter in law with me to help me. I gave them the information they asked for to the best of my ability. Now I got a notice from Citibank saying that my report was not " credible ' and they are deeming the transfers to be authorized. This is totally false and I don't understand how they could possible think that based on what happened. They must be able to see where the money went and that whatever account it is it is not someone to whom I have ever transferred money before. I called them right away, so they should have been able to stop the transfer if they wanted to. I am on a fixed retirement income and losing {$2000.00} is terrible for me. For Citibank to say these transfers were authorized is just wrong and horrible.

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 2021-06-29 00:00:00
Product: Vehicle loan or lease — Lease
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: VW Credit
State: TN

Complaint narrative:
To whom it may concern, or XXXX, My father passed away XX/XX/XXXX, age XXXX. All his assets were in a living trust, and or a family trust. One such asset is a XXXX XXXX XXXX that was leased in XXXX of XXXX set to expire approximately XX/XX/XXXX. The lease was paid for by trading in a XXXX XXXX, and a onetime check. Which turned into a second check when downgraded to an XXXX because of XXXX  XXXX. After his death we parked the car and notified the insurance company. They said they would be glad to add me to the policy as soon as the vehicle registration or lease paperwork showed my name. Im successor trustee. First thing we did was to send my husband with a POA to the XXXX County clerks office. He presented the current registration, death certificate, and successor trustee paperwork. The clerk refused to change the registration because both the XXXX XXXX XXXX living trust or XXXX XXXX XXXX '' were on the registration. My husband tried to explain that the or XXXX XXXX XXXX was the trustee designation, but they said no, and wanted paperwork from Audi Finance. 



Audi finance probate division can only be reached through regular mail or Fax XXXX. On XX/XX/XXXX we faxed the death certificate, and successor paperwork. 

They have yet to contact me. I have called in several times. I have had one customer service rep tell me It was necessary for me to get a court order to change trustee designation. The state of Tennessee, and XXXX County do not require a trust to be processed through the courts. So far, Ive dealt with Life insurance, Annuities, banks, Brokerage accounts, and CDs. All have required the same paperwork, and all have complied and reimbursed interest back to my Fathers date of death. He did not spend thousands of dollars with attorneys setting up these trusts just to hire another one for this car. 

The living trust paid for 36 months of use, and Audi Finance has prevented its legal use. This was a time sensitive deal, and the remaining time from my fathers death to the end of the lease adds up to more than a couple thousand dollars. A nephew has shown interest in buying out the lease at the end of the term, but his parents have requested a copy of the contract which we have been unable to find. 

The XXXX  dealer, and or Audi finance have yet to supply us with one. 

XXXX XXXX vin # XXXX Title # XXXX I understand you have limitations from a legal standpoint, but there must be some law, rules or regulations that compelled all the other financial institutions to act in a responsible manner, but Audi Finance seems to be above following said rules. 



Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NE

Complaint narrative:
I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an audit trail of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an XXXX XXXX of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NE

Complaint narrative:
I have sent several correspondences to XXXX XXXX about an open end consumer plan asking for an XXXX XXXX of this consumer credit transaction on XX/XX/2021 so that I could dispute the validity of this debt. This transaction is hindering my credit report so I am hoping to check for any billing errors and to see if I was properly disclosed about the use of my credit both pursuant to 15 USC 1601 Truth In Lending Act.

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
These account has been deleted off my XXXX credit report after having been disputed.

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 2021-06-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
These account has been deleted off my XXXX credit report after having been disputed.

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 2021-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: Mercedes Benz Financial Services
State: NE

Complaint narrative:
I recently completed a consumer credit application with Mercedes Benz Financial Services on XX/XX/2020. Proof of that application is seen in the first attachment. Upon entering into a consumer credit transaction which can been seen by attachment number 2 that I never received my property. I extended credit as a consumer should and was never given any property to show proof of this consumer credit transaction. I only received an adverse action which pursuant to 15 USC 1691 ( d ) ( 6 ) only applies to insurance and employment so I am not sure why they sent an adverse action instead of the property and a breakdown of the finance charge. I am seeking help from the CFPB as MBFS has pretty much stolen my identity at this point and furnishing on my report is the result of this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The card that was used was my social security card. It was reported to the credit bureaus as well. They needed my social security card for the application and gave me an inquiry. Its against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I submit letter ask about the problems on my credit report and have received a response

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 2021-06-29 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
There are 2 different open dates XX/XX/2013 and XX/XX/2013, The amounts of XXXX and XXXX This is my second time filing a complaint about US EDU DEPT it has been well over 30 days with no response or a validation of debt. Under 15 U.S. Code S 1692 ( g ) b i have the rights as a consumer to ask for validation of 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 2021-06-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TNT Financial, Inc.
State: MI

Complaint narrative:
the company TNT FINANCIAL have violated my rights as an consumer pursuant to the TRUTH IN LENDING ACT and FAIR DEBT COLLECTION PRACTICES ACT, Once fraud is detected a contract shall be null and void, documents were falsely furnished to make me believe that i the consumer and original creditor owed such alleged debt, also documents were produced to make me believe i had gap insurance and a recall when the documents belong to the previous owner and had nothing to do with me, XXXX XXXX TNT FINANCIAL received a request for validation of alleged debt along with a specified remedy to invoke my rights as the CONSUMER in fact i have attached labeled Exhibit A through Exhibit Z the violations i wish to be compensated for as well as the response from TNT FINANCIAL 'S attorney which further violates my rights as a CONUMER please take a close look at the attachments and Thank you for you assistance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 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: Capital Accounts, LLC
State: TX

Complaint narrative:
I applied for a credit card with my social security card on XX/XX/2021. According to 15 USC 1681a ( 2 ) ( B ), any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device, should be excluded from a consumer credit report. 15 usc 1602 ( I ) states the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor, or services on credit. Notice, Congress said ANY card. The credit card that was used was my social security card to obtain money, which is illegal, then reported it to my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I am writing this asking for help to get my $ XXXX dollars back which Well Fargo bank took away from my bank account by mistake. 

My wife deposited a cashier check of $ XXXX to our Wells Fargo checking account on XX/XX/XXXX and our balance increased by $ XXXX as supposed to be. However, on XX/XX/XXXX, Wells Fargo deducted $ XXXX from our account saying " Mobile Deposit Check Posted Twice ''. Per the conversations with Wells Fargo multiple times, they said they saw duplicated deposits on both XXXX and XX/XX/XXXX ; however, our bank statement doesn't have any transactions on XX/XX/XXXX and my balance NEVER went up to {$40000.00} which WF agreed. I am attaching screenshots to show our bank transactions - it shows no activities on XX/XX/XXXX and only {$20000.00} deposit in XXXX with our balance increased {$20000.00}. However, on XX/XX/XXXX, my account was deducted {$20000.00}. I am losing $ XXXX. 

It's been 13 days since this happened. We have spent hours talking to the bank multiple times but there is no progress on this issue. It caused trouble to our daily life ; We need money to pay bills ... so we have to write a complaint here to hope with CFPB 's help, WF will look into this more carefully and have this resolved ASAP. 

A little background I should explain here. We did make a mistake and deposited this check again to our XXXX account on XX/XX/XXXX ( I didn't know my wife had deposited this check 3 months ago to WF and I saw this check in an envelope and made a deposit to my XXXX account on XX/XX/XXXX ). We received XXXX letter that this check was returned and unpaid. This should be correct and we are expecting {$20000.00} back to our WF account ( I am attaching my transaction here on my XXXX account with {$20000.00} in and {$20000.00} out ). However, when we explained this to WF, WF just kept saying it's because of duplicated deposits happened both on XXXX and XX/XX/XXXX. 

We can not send any documents to WF and we don't know how to explain to WF anymore. So Please help us to get our money back.

Questions to WF - Can WF allow one check deposited twice? WF admitted 'it 's a system error ', but we NEVER seen that 'duplicated ' transaction in our statement and the duplicated $ XXXX has NEVER been added to our balance. Can WF just deducted the amount they thought it's duplicate 3 months later without showing us any evidence? Also, can WF deduct money from our account for a cashier check?

This made us worried and stressful!!

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 monetary relief