vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Coinbase, Inc.

Complaint narrative:
Coinbase transfer to a FRAUD SCAM Brokers : XXXX XXXX. 

I would like to bring your attention to a serious issue I have with Coinbase wires that first took place on XXXX of XX/XX/2019. 

I have been victimized by a multilayered scam operation orchestrated by XXXX XXXX - the Company. 

The funds were transferred utilizing Coinbase 's services in the total amount of XXXX GBP! 

I would also like to point out that on XXXX of XX/XX/2019 - I filed a dispute with Coinbase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX Ss # XXXX RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX XXXX XXXX XXXX XXXX, UT XXXX I contacted XXXX XXXX XXXX XXXX XXXX, XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
Received an email from Synchrony financial about an Amazon credit builder card application that i did not apply for. Amazon claims it was an error sent to all accounts but i only received this email on my secondary email account and not the account actually attached to my amazon account. I can not find a working phone number to Synchrony, Ive called 5 different phone numbers and when i get put on hold for an agent it tells me it can not complete the call and hangs up. I just want to ensure it IS a glitch and not someone stealing my information.

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 2019-11-25 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: GA

Complaint narrative:
I purchased a vehicle on XX/XX/XXXX from XXXX -- loan was through XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX, TX XXXX. It has been assigned to XXXX XXXX XXXX, as assignee for XXXX. I defaulted on the loan due to unemployment and I was unable to make payments. The vehicle was repossessed in XXXX/XXXX  XXXX. I was not notified of sale in an attempt to recover vehicle. However, there is a document in the case material that I never received. I was under the impression that since I no longer had the vehicle, my debt was dismissed. On XX/XX/XXXX I was served by the Sheriffs office with a Complaint dated XX/XX/XXXX for the " deficiency amount '' of the vehicle. My court date was set for XX/XX/XXXX of which I attended. On that date in the Magistrate 's Court of the issuing County, a " Voluntary Dismissal '' by the company was entered. I thought this matter was closed. However, unbeknownst to me my employer had received communication on XX/XX/XXXX, under the direction of Stenger & Stenger P.C., XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX to garnish my pay. This is the same debt that was dismissed on XX/XX/XXXX. What I find interesting is there are 2 Civil Action # s for the same case, entered by Stenger & Stenger. The latter one is the one which was dismissed. Please note, the documentation is exactly the same ; same dates, same signatures, etc. How can they do this without my knowledge. My employer forwarded a copy of the Civil Action from a neighboring county of which I do not ive. I find this practice to be fraudulent and misleading. THIS GARNISHMENT HAS PRODUCED A MAJOR HARDSHIP FOR MY FAMILY, I AM UNABLE TO PAY MY RENT DUE TO MONIES BEING DEDUCTED FROM MY PAY ERRONEOUSLY without notification, I received documentation from Stenger & Stenger via my employer on the evening of XX/XX/XXXX with an enclosed Summons of Continuing Garnishment dated XX/XX/XXXX. I was not given the opportunity to defend myself again, my pay was just garnisedh without my knowledge. This is not

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 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:
Today XX/XX/19 I was made aware of some accounts and a bankruptcy on my credit report that all do not belong to me. The accounts were opened by someone else without my permission and the bankruptcy was clerically filed in error ; it belongs to someone with a similar name. I did not allow anyone to open any of these items in my name using my personal information ; I already filed a police report regarding this matter as well as notified the courts. I do not have any relationship with any of the companies and I did not benefit anything from these items that do not belong to me. I did not make any transactions or payments towards any of these accounts.

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 2019-11-25 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NV

Complaint narrative:
My original mortgage company was Quicken Loans who transferred the loan to I believe the name was XXXX/XXXX. It would seem this deed of trust has no reconveyance between the two. I have refinanced a few times since and my Deed of trust is currently with XXXX XXXX. I have now started a refinance with XXXX XXXX  XXXX  and the title company has found that Quicken Loans still shows a deed of trust with them. I made three separated calls to Quicken in hopes of getting the letter of reconveyance, but to my surprise they have NO record of me or my wife. This was verified on each call using names, ssn, birthday, and of course the property address. XXXX XXXX  XXXX  has explained to me that with out this open deed of trust being removed they will not be able to continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, {$61.00} was transferred to my account " XXXX XXXX ''. 

I was never able to retrieve that money. a week later, I wasn't able to access my account due to it being tied to a phone number that was out of service. As a result I had to create a new account. 

I notified cash app and they said they'd merge the accounts. It's been a whole week and still no response. 

I do not know what the merge status is, and I do not know the status with these funds. I need this money to pay bills. 

Cash App refuses to reply to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi bank claimed that I had two cards open with them. I tried disputing and was ignored by the company. I've asked for proof that the debt was mine, such as original contract with my signature on it but was ignored. I've sent police reports as well and dispute letters 90, 60, and 30 days ago. The have not responded. Instead of working with me to help resolve it the sold the debt to debt collectors, who are now harassing me at home and work. One had a balance of {$3100.00} and the other of {$6600.00}.

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 2019-11-25 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:
Today XX/XX/19 I was made aware of some accounts and a bankruptcy on my credit report that all do not belong to me. The accounts were opened by someone else without my permission and the bankruptcy was clerically filed in error ; it belongs to someone with a similar name. I did not allow anyone to open any of these items in my name using my personal information ; I already filed a police report regarding this matter as well as notified the courts. I do not have any relationship with any of the companies and I did not benefit anything from these items that do not belong to me. I did not make any transactions or payments towards any of these accounts.

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 2019-11-25 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:
Today XX/XX/19 I was made aware of some accounts and a bankruptcy on my credit report that all do not belong to me. The accounts were opened by someone else without my permission and the bankruptcy was clerically filed in error ; it belongs to someone with a similar name. I did not allow anyone to open any of these items in my name using my personal information ; I already filed a police report regarding this matter as well as notified the courts. I do not have any relationship with any of the companies and I did not benefit anything from these items that do not belong to me. I did not make any transactions or payments towards any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XXXX XXXX XXXX XX/XX/2019 I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: MI

Complaint narrative:
Well I got behind on some payments cause my truck mess up a few time and they had given to make my payment from the 1 tho the 15 but after the 3 they charge me late feed and they said I had 15 days to pay the monthly payment but they keep adding late feed I just got other job so I can pay try to catch up and with my taxes next year pay all of it the Im behind but they send a letter saying pay all of myth loss o florecosure the house

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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX. 

I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
Bank of America quoted a wrong credit score to close my account. Several weeks later, BoA sent a letter apologizing for the wrong closure of my account due to a wrong credit score. Because my account is closed, I have lost over 10,000 points.

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 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2018 US Department of Education I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
The attorneys and their contracted servicer did not ensure that I was served properly. I reached out to XXXX XXXX, XXXX XXXX, XXXX XXXX, & XXXX XXXX via email to discuss this matter. XXXX XXXX was the only one to respond stating, Please be informed, the below-stated attorneys, including myself, do not have any control over the actions of an independent contractor process server. However, I believe they should be held accountable because it is their case and theyre the ones that hired said servicer. The proof of services alleges I was served XXXX home address on XX/XX/19. However, I have not been at my residence since XX/XX/19 due to a medical condition. I am staying with family while I go through treatment. Furthermore, the physical description of me is completely inaccurate I am XXXX years old, XXXX-XXXX, XXXX XXXX. The proof of service process server filed a proof of service on XX/XX/19 stating that service was effected via personal service to # # # # # # # # # #, Who accepted service, with identity confirmed by subject stating their name, an XXXX XXXX  approx. XXXX years of age, XXXX tall, weighing XXXX lbs with XXXX hair.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX Ss # xxx-xx-XXXX  RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed a credit inquiries that I find to be problematic. 
The inquiry in question was apparently made by XXXX  XXXX   XXXX XXXX  XXXX XXXX, TX XXXX I contacted XXXX   XXXX XXXX  XXXX  XXXX, TX XXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done. 
Please investigate this inquiries at your earliest possible convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness. 
Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. 
Thanks for your prompt attention to this matter,

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 2019-11-25 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 recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ASSOCIATED BANC-CORP
State: WI

Complaint narrative:
Back in XXXX, I began a construction loan with Associated bank. Before choosing them, I received a quote for X initial bank fees for the construction portion, and then {$300.00} to transition the loan from construction to 30 year fixed. The initial part went as agreed, when the time came to transition to a 30 year fixed, the loan officer said I could no longer transition the loan as we previously agreed and would have to do a full refinance, which would cost thousands more in bank fees. I highly suspect he gave me a low price to get my business, fully intending to try and gouge me for thousands more once I had a foot in the door ... as this salesperson was very commission-hungry. At this time, I had to quickly pivot and go with another bank as I no longer trust this bank. As part of this process, my bank sent 3 requests for a bank payoff statement. The first request dated XX/XX/19 was a cutoff statement and unusable. The second dated XX/XX/19 was for the wrong period, as we requested a payoff statement for XXXX, not XXXX. The third dated XX/XX/19 was finally accurate. I was charged 3 fees for {$25.00} each to fax these. I never agreed to any of these fees, the {$25.00} to fax a piece of paper is completely ridiculous, and 2 of them are errors on the part of the bank. Also, Associated is supposed to send me my escrow amount and any overpayment within 30 days according to your website. This has not happened. They have claimed they have a check number and mailed it in XXXX. This is a downright lie as I have not received the check ... yet I have received no less than 5 other pieces or correspondence from them in the last 2 months. They want me to stop in at a branch location, sign a bunch of paperwork, probably pay a bunch of fees, to get a new check. I shouldn't have to do that, and frankly based on their actions I just don't trust this bank anymore. I submit this complaint to the XXXX  already, the person I spoke with at the bank listened to what I had to say ... and submit a seriously flawed report to XXXX  where she completely mischaracterized and downright lied about what I said. The biggest lie being that I switched banks due to a lower interest rate ... which I never said and she completely fabricated out of thin air.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
XX/XX/2018 XXXX  I have called and wrote this company in reference to the above inquiry in which I did not submit for them to verify the inquiry, but nothing has been done in reference to reporting accurate information to the credit bureau. I am a victim of identity theft and I am requesting that this inquiry be deleted as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Privacy issues
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2019, multiple emails were received from Synchrony Bank, the issuer of the Amazon Prime store credit card. These emails contained lines such as : " A Trial Deposit Has Been Successfully Made to Your AMAZON CREDITBUILDER '' " Action required on your application '' In doing a quick search, it appears this happened to thousands of Synchrony Bank customers today. They have not notified customers, and when reached, their phone reps hang up the phone. 

This appears to be a major breach of some sort, and they are not addressing it appropriately.

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