vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: AXOS FINANCIAL, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I received a phone call from XXXX XXXX XXXX XXXX at XXXX EST. The caller ID showed XXXX, CA as the location. I was greeted by a woman with a slight accent claiming to be an officer for the Social Security Admin office. She asked if my name was XXXX XXXX  and if the last 4 of my SSN was XXXX, I responded yes. She said her name was Officer XXXX XXXX, badge number XXXX, and was calling in regards to case ID : XXXX. 

She proceeded to tell me there was an arrest warrant out for me, that they had discovered an abandoned car in the XXXX XXXX of Texas containing XXXX of XXXX and XXXX. With information from the vehicle, they tied it to my social security number and stated there were 20 bank accounts with multiple illegal wire transfers using my SSN. 

She said she was going to help me suspend my SSN and cancel the warrant, then have an officer come to my location or set an appointment at my nearest office to help clear the fraud. I asked if she could confirm my full SSN, and she did.

Because my " 20 '' bank accounts were to be frozen, she asked me to tell her which ones I needed. I told her I was uncomfortable giving that information over the phone. She then asked me to at least confirm the amount I had in an account ending with a specific 4 digits she gave me. Those 4 digits matched an online savings account I had. I asked if she could give me the full account number of the account ; she proceeded to do so. 

I told her I was uncomfortable providing the amount over the phone. She asked what else she could do to help me feel more secure, so I asked if I could look up the arrest warrant online. She said yes, but that I would have to stay on the phone with her. I agreed, then she asked me to confirm the amount in my account. I said I wanted her to show me the arrest warrant first, to which she told me to hold. She hung up the phone seconds after. 

I immediately called the bank ( AXOS ) and had that account frozen, telling them it had been compromised. Early that morning, I had initiated a transfer from that account to a new bank XXXX XXXX XXXX XXXX XXXX XXXX ) account I opened the day before. I asked if AXOS could cancel the transfer, they said they could not as it was already pending. 

I called the new bank ( XXXX  ) where the money was being transferred to so they could reject it ; their office was closed. I sent an email to the Office Manager who had emailed me the day before to confirm details. 

I called the Social Security Administration to report the fraud, but they were also closed. I submitted a form on their website with the Office of The Inspector General. 

I pulled 3 credit reports from XXXX ; all seems fine. 

I called my local police station and filed a report ; case # is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: PA

Complaint narrative:
I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that served this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again

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 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: IL

Complaint narrative:
They claimed I did not return their devices which I then called their wear house and they confirmed with me on the phone they had them they then transferred me back to the billing Dept and they then claimed I owed a balance due but my billing was on automatic withdrawal and we left the company to join another with no cancellation fees as our contract was fulfilled. It does not make sense on how I would owe a fee if my contract was fulfilled and I also do not have the devices as they found them in their wear house

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: FL

Complaint narrative:
TransUnion reported a hard inquiry on my credit report from a company named XXXX on XX/XX/2021. I have not applied for any credit cards, or any other services whatsoever. This has had a direct impact on my credit number. TransUnion indicated that I can not dispute a fraudulent inquiry. 

I contacted TransUnion and they indicated to contact XXXX, file a report with the police, or file a report with the Federal Trade Commission. 

Upon contacting XXXX, they indicated they do not have any consumer line, they only have a merchant line, and that there is no other recourse for me to correct the issue. The police department indicated I can not file a police report for an incorrect credit inquiry as it is out of their jurisdiction. The Federal Trade Commission directed me to file a complaint with CFPB. Hence, the XXXX  of this report.

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 2021-07-14 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: CITIBANK, N.A.
State: CO

Complaint narrative:
Citimortgage serviced my loan from XX/XX/XXXX to XX/XX/XXXX then sold it to XXXX. Ive included documentation showing that information. Also included the credit report that they are reporting me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX XXXX days late. XXXX  is still reporting payments through XXXX of XXXX on a loan that was paid XXXX in XXXX. This is a huge problem. They stopped servicing my loan in XXXX. Ive disputed this 4 times with XXXX  and citimortgage and no response. This is affecting my credit badly and is inaccurate, false information and it needs to be removed immediately.

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 2021-07-14 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: TX

Complaint narrative:
Transunion is reporting my mortgage as missing 2 payments from XX/XX/XXXX and XX/XX/XXXX when my mortgage was in an active forbareance and protected as part of the CARES act that provided relief during the COVID-19 pandemic. At the same time I was also in a repayment trial with my mortgage lender in which my first payment was made in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. When disputing the issue, Transunion failed to verify the correct information from my mortgage lender. On my other credit reports with XXXX, it is reported correctly. My mortgage company is XXXX XXXX.

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 2021-07-14 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: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX serviced my loan from XX/XX/XXXX to XX/XX/XXXX then sold it to XXXX. Ive included documentation showing that information. Also included the credit report that they are reporting me in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 60-90 days late. Equifax is still reporting payments through XXXX of XXXX on a loan that was paid iff in XXXX. This is a huge problem. They stopped servicing my loan in XXXX. Ive disputed this 4 times with Equifax and XXXX  and no response. This is affecting my credit badly and is inaccurate, false information and it needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: VA

Complaint narrative:
TransUnion is at it again with Negative Option subscription plans. 

Background : Today, XX/XX/XXXX, I had just gotten an employment offer that was contingent on a background check. I consented to the check via an online provider, and there was an alert immediately generated on my background check about a name mismatch. So, I created accounts with all three credit reporting agencies to dispute the name attached to my credit report ( it just hadnt been updated from my maiden name ).

Of the three CRAs, TransUnions signup was by far the most opaque. I was funneled to a single option when I clicked on their credit report tab. Nowhere was it clearly or prominently disclosed that a fee would be charged or that I was enrolling in a subscription plan. I was a bit uneasy inputting my CC info, but since one of the other CRAs had classed my free credit report as an order and I had gone through a checkout process, I was primed to think this was the same, and that my CC info would be stored for optional account upgrades or something. The only reason I found out that I was being charged and had been enrolled in a subscription plan was via the receipt sent to my email. {$24.00}! A month! Nowhere in the checkout was a price mentioned, or a subscription. I would call any transaction whose amount is only clearly disclosed after payment completely deceptive, unethical, and illegal, per CFPB findings in XXXX ( page 11, line 37 of the Consent Order ).

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 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Someone stole my identity and opened many accounts without my permission or authority.

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 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was forced to stop payment on a lost check and the Bank of America charged me {$30.00} to stop payment on this ch

eck for {$50.00}! That is patently unfair! Furthermore, there is apparently no one in charge as manager at the branch
office of the Bank of America, XXXX XXXX XXXX, XXXX, New Jersey XXXX. 

I have written more than half a dozen letters and emails to the branch manager but there has been absolutely no reply!

The branch manager has yet to reverse two {$35.00} charges for overpayment EVEN THOUGH I HAVE OVERDRAFT PROTECTION!

A most shoddy and dishonorable bank!

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 2021-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery Associates failed to provide proof of authority to validate the alleged debt, despite a written request I sent on XX/XX/2021, to produce for my inspection upon demand as required by law, the original ( wet signature ) contract and agreement as evidence that they are, in fact, the holder in due course of the purported debt obligation. I have never entered into any agreement with or had any consumer transactions with Portfolio ; therefore, they are illegally trying to collect money I do not owe them because I am the original creditor. They also willfully committed fraud and identity theft by obtaining ( 8 ) credit card statements to show as proof of a consumer contract eight times. According to 18 USC 1028 ( a ) ) ( 1 ) Identity theft means a fraud was committed or attempted using the identifying information of another person without authority. I never gave Portfolio Recovery Associates, or it is affiliates permission or authority to obtain any IDENTIFYING INFORMATION regarding myself.

Pursuant to 15 USC 1692 ( e ) ) ( 10 ) a debt collector may not use any false, deceptive, or
misleading representation or means in connection with the collection of any debt. The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. Portfolio Recovery Associates on XX/XX/2021, sent a written correspondence to me trying to obtain my identifying information, which is a violation by law. I believe there is no proof to the contrary.

Pursuant to 15 USC 1692 ( d ) ) ( 5 ) causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number is a violation.

Pursuant to 15 USC 6801 ( b ) ) ( 3 ) protection of nonpublic personal information by Portfolio Recovery Associates was violated when they shared my location information with a third-party company. 

On XX/XX/2021, I sent a cease & desist letter, an affidavit of truth and an invoice to Portfolio Recovery headquarters. Unfortunately, they have yet to resolve this issue or compensate me for all the violations noted above.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
We were in the process of selling our home and found out that we had a second mortgage that we knew nothing about on the home. We started to investigate how this happened and remembered in XX/XX/XXXXwe were called by who we thought was our mortgage company which was XXXX XXXX  at that time and they asked us if we needed to get assistance on the mortgage and we said that we would see if they could assist us and the only thing that they asked us for was to send them cashiers checks for an amount and they would get back with us with paperwork but later when we tried to contact them we could not get in touch with them so we knew that someone has scammed us on a fake refinance scheme. 


We never heard anything else until we saw that we had this amount separate on our mortgage. We called but the mortgage company that we have now said that the second mortgage was on there when they received it from the previous mortgage company which was XXXX. We have had 5 different mortgage companies since the origination of the loan. Therefore it is very difficult to know what when and who had a hand in this. The main concern that we have now is about our interest rate which is 5.25 percent which is really high but we were in the process of selling and did not want to refinance because of this. We are just concerned because the payments that we are making are about {$170.00} going toward the principle of the loan and {$600.00} going toward interest. We did not know this until we started to look at what was going on with this mortgage. The date for payoff of this loan is for XXXX! That would mean that we would be paying on the loan for 46 years! We have reached out to the mortgage company but we have only gotten promises that they would look into it and call us back but no one has called us about this as of yet. We believe that we have been caught up in predatory lending.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: CO

Complaint narrative:
XXXX  and Transunion have both been sent 4 disputes on account that is reporting " derogatory '' that is paid and no history of being derogatory. Ive attached the 4th letter I sent to transunion and the copy of the credit report.

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 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX CT XXXX VA XXXX XXXX I need you to unlock my passcode!!! NOT password in coinbase wallet XXXX or @ XXXX I have two different coin base wallets ... with the same accounts and the same passwords. THEY DO NOT HAVE THE SAME PASSCODES Coinbase wallet number # 1 is ID XXXX or @ XXXX PASSCODE IS NOT WORKING coinbase wallet number 2 is ID @ XXXX PASSCODE IS WORKING BOTH HAVE THE SAME PASSWORDS!!!! 

I am able to get into @ XXXX BUT THE TOKENS ARE LOST I AM NOT ABLE TO GET INTO @ XXXX My tokens are lost

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
i sent a dispute letter on XX/XX/21 asking Transunion and XXXX  to provide documents on how they verified *XXXX XXXX XXXX  XXXX XXXX and *USBK Court XXXX Michigan Docket . per the letter i received from United States XXXX Michigan Court they DO NOT provide any case information nor update information to any credit reporting agency. I ask transunion to provide documents on how they verified these items or delete from my report and they still haven't deleted these items from report nor provided document

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 2021-07-14 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: Synovus Bank
State: CO

Complaint narrative:
I was looking at my dashboard and I noticed some charges on my account and the company didn't have an email address that I can contact to resolve the issue First Progress Mastercard Late charge debt fee {$29.00} on XX/XX/21 MC-1 sales draft {$95.00} on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
USAA and XXXX  have both been sent 4 disputes on account that is reporting " derogatory '' that is paid and no history of being derogatory. Ive attached the 4th letter I sent to XXXX  and the copy of the credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: WI

Complaint narrative:
I opened the HSBC Premier Checking account on XX/XX/2021 via the promotion link similar to this one : XXXX : XXXX XXXX XXXX  On the page, they specify that I can " Enjoy 3 % Cash Bonus, up to {$600.00}, on Qualifying Direct Deposits, up to {$100.00} per month, during the first 6 calendar months after account opening ''. 

Then I do set up my direct deposit using my salary payroll. From the terms " The 6 calendar months from account opening begins with the first full calendar month after your Premier checking account is opened. ", four full months have passed, each month there are {$5000.00} direct deposit into the checking account, but I got no bonus. 

And the customer service told me that I am not enrolled in that promotion, which sounds like a scam. I suspect this may be caused by their identity verification process after my account application is submitted. They might open my account in another way after the verification and my campaign bonus was not tracked.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: OR

Complaint narrative:
For a number of years if requested to have a long closed credit account reflected as such on my report. Until a month ago this account was still being reported as open despite being closed in good standing in XX/XX/XXXX! I placed a dispute with Experian two months ago. The result from that dispute was that the account ( XXXX  XXXX XXXX ) was removed from my report instead of being reported as simply closed in good standing. The affect of this change resulted in the average age of accounts to plummet, along with my FICO score from XXXX XXXX! Two outcomes would have changed this outcome : ( 1 ) if XXXX  XXXX XXXX and Experian had changed the status years ago, I wouldnt have a lowered score, and ( 2 ), if Experian had reflected the account as closed in good standing instead of removing it from my report my score would be higher

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