vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
On or about, XX/XX/2021, all XXXX ( XXXX ) XXXX XXXX XXXX ( CRAs ) - ( XXXX, XXXX and TRANSUNION ) were given notice of a crime of identity theft. The documents included in the Notice were, an Affidavit of Identity Theft, copy of credit report, FTC Identity theft report, Police Report filed regarding the accounts indicated, and proof of my Identity. Proof of delivery via certified mail / return receipt # XXXX XXXX XXXX XXXX XXXX shows TRANSUNION, LLC. did in fact receive Notice of the identity theft, with attachments/ reports to substantiate the claim on XX/XX/2021. 

TRANSUNION, LLC. had the audacity to report XXXX of the accounts related to this crime, XXXX XXXX XXXX XXXX XXXX ) Acct # XXXX as " verified '' and refused to delete/block the account even after I provided proof of the identity theft crime and accounts related. I HAVE NO AGREEMENT with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX can not possibly verify an account they have no first hand knowledge of. TRANSUNION, LLC. can not verify any accounts as they do not have first-hand knowledge either, nor were they a witness or a party to any alleged agreements. Both XXXX XXXX and TRANSUNION, LLC.  are both unauthorized 3rd parties whom have NO authority to verify or validate any alleged debts, let alone refuse to follow the XXXX regarding the blocking of an account that is related to a crime of identity theft. The FCRA requires a CRA to block fraudulent information on my credit report resulting from identity theft within XXXX ( XXXX ) business days. TRANSUNION, LLC. is willfully, knowingly with intent refusing to remove and permanently BLOCK this fraudulent account in attempts to cause me damages. Willful refusal to remove and block is now a violation of several sections of the FCRA, specifically sections 605 ( b ), 615 ( f ) and 623 ( a ) ( 6 ). As a federally protected Consumer, I will hold TRANSUNION, LLC. liable for any and all civil liabilities pursuant to 15 USC 1693m and any and all criminal liabilities pursuant to 15 USC 1693n. These Violations/ Damages caused to I, the Consumer, carries damages worth of up to {$1000.00} or more each violation, in addition to having sustained damages related to physical and emotional distress. Not only has this affected me being able to Re-Finance my Mortgage but potential creditors seeing these inaccurate accounts on my report has effected me tremendously.

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 non-monetary relief
Consumer complaint received 2021-12-13 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: Exeter Finance, LLC.
State: CT

Complaint narrative:
I contacted exeter finance at XXXX at this point is daily. This company owes me about XXXX for a overage in payments sent in XXXX separate checks. They have told me check was sent XX/XX/XXXX then XX/XX/XXXX then XX/XX/XXXX now XX/XX/XXXX. Each time I requested proof checks were sent. I was told no that isn't allowed or I was told give us XXXX to XXXX hours but never given any information. They received payments on timely manner and are now withholding money that does not pertain to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: UT

Complaint narrative:
On XX/XX/XXXX we traded in our XXXX XXXX XXXX  Lease through XXXX XXXX, payoff was sent from my dealership I work at as I traded it in here. I was in touch with my finance XXXX who did the paperwork she sent the payoff and necessary documents. A XXXX later after we as a dealership sold the XXXX having satisfied the lease I got notified of a XXXX day late payment had hit my credit. Finance XXXX contacted XXXX corrected the situation XXXX apologized and admitted to the error on their part I have a letter stating so. They said they would remove the XXXX late payment on the account and credit report and the account was satisfied. XXXX is telling me as its now XXXX yes the lease has been satisfied nothing derogatory is on file or on my credit. On Experian it is still showing a XXXX late, but not on XXXX and XXXX. It has been XXXX months and it is still on my credit report, it has effect me being able to get approved for purchases as it dropped my score XXXX points. I need this XXXX day late payment removed ASAP. It was an error on behalf of XXXX. We satisfied the account far before the month end of XX/XX/XXXX and XXXX has verified so.

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 non-monetary relief
Consumer complaint received 2021-12-13 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: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
On XX/XX/XXXX, I accepted the promotional offer on my Barclay Carnival MasterCard for an amount to be deposited into my bank account for purchases or balance transfers. There would be a processing fee of 81 dollars. My balance was zero as I hardly ever use this account. I requested {$2700.00} ( my credit limit is {$5200.00} ) which was deposited to my banking account on XX/XX/21. In the next several days I pulled up my Barclay Carnival MasterCard account on line and noticed my balance was XXXX. There had been two transactions made for {$2700.00} and two fees of {$81.00}. I immediately pulled up my banking account to see if they had deposited the money twice. They only deposited {$2700.00}. I called Barclay Carnival MasterCard and spoke to a representative and she said they would need to investigate the matter. She placed a request and told me those can take up to 48 hours. So I patiently waited 2 days and the charge was still there. I called for the second time and spoke with a representative who told me there was a glitch in their system and the money would be returned. I waited 7 days and nothing. I called for the third time and asked for a manager. She told me there was not one on site but I insisted. She put me on hold for a long time and the manager came on the phone and said she was handling it and it could take until the end of the billing cycle. So, one week later I began getting reports from my other credit cards and credit protection agency 's that I was over the limit on one of my cards. My credit score was being directly affected and I was due to close on a property in a week. I called 3 more times. One time they accidentally hung up on me and the last employee I talked to told me there no phone number to the department that was handling the glitch and that it could take up to 120 days to correct. He told me it would do me no good to call them everyday. This mistake is costing me $ 100/day and I need my card balance to be corrected. They should be able to reverse the charge on my card and correct their glitch without costing the consumer financial burden. I am suspicious of the vague comments I am receiving and the fact there is no one to talk to at Barclay Carnival MasterCard to assist me in answers. It has now been XXXX weeks since this glitch has happened and its now affecting my credit.

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
Consumer complaint received 2021-12-13 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
On XX/XX/XXXX I noticed XXXX emails confirming a purchase made through XXXX on my chase visa. The XXXX items priced {$170.00}, {$180.00} and {$160.00}. I immediately went to my XXXX account and had XXXX messages dated XX/XX/XXXX ( the date of the XXXX purchases ) stating that " We temporarily reset your XXXX password and secret questions because we believe that your XXXX password and username, or your email address and password, were used without your permission. '' I contacted XXXX and was told that the purchases looked familiar to them as a " scam '' that they have seen before. On XX/XX/XXXX I had a message from XXXX that someone had accessed my account located in the XXXX, XXXX area. I live in XXXX, XXXX and am employed as a XXXX and was XXXX in XXXX on XX/XX/XXXX. I then contacted chase and was advised to close my card and have a new card issued which I did. I opened a fraud claim and within a day or XXXX the XXXX charges were removed from my account. Then on XX/XX/XXXX I checked my chase card account via my app and saw these exact charges had reappeared on XX/XX/XXXX. I immediately phoned chase and the customer service rep said that he could see the original date the charges appeared and were removed and thought something must be wrong and connected me to fraud recovery. The fraud recovery department informed me that the charges were back because my claim had been denied. When I made the original fraud claim I was never told to submit any supporting information or I would have attached all of the messages from XXXX regarding my account being used by someone else. They said I could appeal so I did and at that time I emailed copies of messages from XXXX but have just received a letter my appeal has been denied.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-14 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: EQUIFAX, INC.
State: CA

Complaint narrative:
My credit report contains incorrect information. It is your responsibility to provide them with the information they require. Please conduct investigations and provide updates on these accounts and inquiries, or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: MECHANICS BANK
State: AZ

Complaint narrative:
THIS MESSAGE IS FOR A REGISTERED AGENT ONLY Today on XXXX MECHANICS BANK AUTO FINANCE threatened to harm my consumer credit report by reporting a late payment. Today I notified MECHANICS BANK AUTO FINANCE that there is a bill error pursuant to 15 U.S.Code 1637 ( b ) ( 2 ) ( A ) Please provide all documentary evidence for clarification of who funded the account. 
Documentary evidence pursuant to 15 U.S.Code 44 includes all documents, papers, correspondence, books of account, and financial and corporate records which involve all derives, assignees, hypothecations in connection with my all caps name. I require this clarification in order to address the billing error for the amount shown in this statement in Exhibit ( D ). I need to clarify who funded the account and how much is owed according to the journal and ledger entries from the date of open of this account as described in IRS Publication XXXX. 


Mechanics Bank can not report any alleged late payment in accordance with regulations of the Bureau,12 CFR 1026.13 ( d ) ( 3 ). If Mechanics Bank Auto reports late payments without meeting the requirements under XXXX U.S.Code 1637 ( b ) this is a violation of 15 U.S.Code 1666b and all late payments reported associated with the account number XXXX Attached is an Affidavit, Exhibits, Cease and Desist, and Bill of Particulars to resolve this issue you must read and honor my CEASE AND DESIST

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XX/XX/2021 When going through the XXXX website to the Equifax website, Equifax asks questions where all the answers are " None of the above '' and then notifies me " Based on the information provided, we are unable to verify your identity. '' This happened to me and my wife every time we tried the site ( Twice for me, once for my wife. ) I called Equifax. After a long hold, I was able to talk to a human who was no help and did not seem to care. I asked to speak to her supervisor. After another hold, I told the gentleman that I wanted to inform them that their website had problems. I was not mean or harsh at all. The call went to a recording in XXXX and started asking me to go through a phone menu again. 

Obviously, the Equifax website can not verify who we are when it does not ask any relevant question whatsoever. Seems like they do not want to allow credit reports. Either that or they have a lot of wrong information that they will not let me see. 

By the way, XXXX and XXXX sites seemed to work fine and provided the credit reports which appeared correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I want to buy a XXXX from XXXX they advertised that the only way to purchase on XXXX XXXX is to finance through citizen one bank, I input all my personal information and right away they tell you that you are declined, later I got an email that said that my identity can not ve verified and if you have a question to call XXXX which I called same date XX/XX/XXXX XXXX from customer service told me that the said the same to all applicants that way they have to call to finish the application my was XXXX I told that was unethical what they were doing and that I don't want to continue with the application and to don't report it to my clean credit ( I haven't have a hard enquiry in more than 3 years ) he agree and gave me a confirmation # XXXX today XX/XX/XXXX I check my XXXX XXXX and I see a hard enquiry on XXXX from Citizen one Bank I called them and they told that it was reported because I applied and I was declined I asked the declined reason and she said because applicant doesn't meet program guidelines, I asked what are the guidelines and she couldn't tell me. I told her that I was told that wasn't going to be reported that I have a confirmation # for the removal she didn't listen and told me to dispute with the credit bureau that they can not remove it, I told that they can and they should because it's illegal advertising and they can't tell all applicants to call them to verify that is unethical if you apply and fill requirements should approve on the spot. I want them to remove this enquiry from credit bureau because it will affect my credit for 2 years. My name XXXX XXXX, phone XXXX, address XXXX XXXX XXXX XXXX CA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Lending Club Corp
State: MO

Complaint narrative:
On XX/XX/XXXX, I learned that my checking account was locked by lending club bank via the chat feature while I was attempting to reset my online account password. The customer service representative declined to tell me why they locked my account and was told it had been escalated to management. 

On XX/XX/XXXX, I called twice to see what I needed to do to correct the situation and was not given any answers. 

On XX/XX/XXXX, I called and was informed they just needed a copy of my driver 's license which I promptly sent. 

On XX/XX/XXXX and XXXX, I still had not heard back and called again. On the XXXX they informed me that my file could not be opened and that they needed me to send via pdf, which I did. 

On XX/XX/XXXX, they responded to my email asking me to send the document again and I did. 

It's now the XXXX and I have yet to hear back and have failed to issue me a formal notice on why my account was locked in the first place. Each time I called I provided them with information including my date of birth, zip code, last XXXX digits of my social security number, etc. which should have sufficiently validated my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Someone that I used to talked to, his brother stole my card, I comforts him about it but he blocked me from my personal phone number, etc. the amount of money his brother took was XXXX $

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: WY

Complaint narrative:
My name is XXXX XXXX wife to my late husband XXXX XXXX. I am writing this letter in hopes to have the CFPB investigate Shellpoint and the negligence on my home loan. I have been trying to seek Loan Assumption/ Loan Modification with Shellpoint but they have not tried to help. 

Most recent on XX/XX/2021 I submitted to Shellpoint my late husbands death certificate, marriage certificate and Admin docs from the court appointing me tot he property. 

With only my husbands name on the loan I have request for a loan assumptions but as I mentioned above I submitted on Wednesday XX/XX/2021 and they declined me on Tuesday XX/XX/2021 of the following week. 

I don't feel Shellpoint properly reviewed my case, there letter stated not enough income but as you see in the attached forms I have plenty of income to support this loan. I am not requesting a lowered payment All I'm asking is for Shellpoint to place the past due to the end of the loan and allow me to place my name on the loan since my husband past away. 

With Shellpoints quick denial this tells me they never even considered or properly reviewed me. I asked them for a break down on their calculations but they refused. Please help me. 

With my husband XXXX XXXX passing away it became hard to maintain with the payments with no income. My income is now back on track and need help with a loan modification/ Loan Assumption. I need help to get the mortgage current so I can continue with the payments and hopefully refinance out of this loan once I become current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13 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: TX

Complaint narrative:
On XXXX XXXX, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within 30 days give reason to immediate remove these items from my credit report. It has been well over 30 days so the should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused. My information was also impacted by XXXX XXXX XXXX and may have got into the hands of the wrong person.

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 non-monetary relief
Consumer complaint received 2021-12-13 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: TX

Complaint narrative:
On XXXX XXXX, I sent letters regarding inaccurate and unknown items on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate items within 30 days give reason to immediate remove these items from my credit report. It has been well over 30 days so the should be deleted promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you caused. My information was also impacted by XXXX XXXX XXXX  and may have got into the hands of the wrong person.

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 non-monetary relief