vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
Mr Cooper has failed to have proper procedures to safeguard against unauthorized autodrafts for customer 's mortgage payments. In XXXX they charged me for 3 mortgage payments. In XX/XX/XXXXit has happened again, FOR A THIRD TIME this month though there weren't enough funds in the account for the third unlawful payment draft. 

XXXX {$1300.00} taken from my checking account after autodraft with previous mortgage holder had been revoked. 
XXXX {$1300.00} again taken from my checking account. Paper check had already been processed for XXXX mortgage payment, however, 2 additional mortgage payments were deducted. Amounts were credited back on XXXX and XXXX. 

Mr Cooper as well as my bank ( XXXX XXXX XXXX  and XXXX XXXX ) were advised that the previous autodraft authorization had been revoked by me, by phone and online with XXXX XXXX and was no longer in force. I was advised that the problem had been handled. 

On XXXX payment was submitted through online banking for {$1300.00} On XXXX, Mr Cooper again autodrafted my bank account for another {$1300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I used an Access Check for a 0 % offer on my Bank of America Alaska XXXX card for {$2100.00}, which posted to the account on XX/XX/XXXX. I paid a 3 % fee as promoted. A scan of their access checks & its language ( front & back ) is attached. No where does it state that B of A will start charging me interest on my regular purchases from the date of the access check. Usually one has a free month to pay the credit card bill. I pay off my purchases each month. 

The credit card bill for XXXX XXXX arrived. It did not show a minimum payment for just the Access Check amount. I called B of A Customer Service to ask about this and was told by two people that there is one minimum covering both purchases and Access Check amounts and that B of A was charging their standard 18.49 % on purchases from the date the Access Check posted. The statement does not CLEARLY state this and the language on the Access Check does not, either. I pay off my purchases each month and wanted to pay a minimum on the access check each month. 

I would not have used the Access Check has I known that B of A would start charging me on my purchases and take away my free month to pay. 

This is very misleading and unethical marketing. I scrounged around and paid off the whole balance to be rid of these people. I would like you to pursue this unethical marketing.

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 2020-01-06 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: FL

Complaint narrative:
incorrect info on my reports 1.XXXX XXXX XXXX XXXXt 2019 says missed payment. ( i was never late } 2. XXXX XXXX XXXX : stated XXXX 2019 says missed payment. ( i was never late }

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 2020-01-06 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: FL

Complaint narrative:
incorrect info on my reports 1.XXXX XXXX XXXX XXXX 2019 says missed payment. ( i was never late } 2. XXXX XXXX XXXX : stated XXXX 2019 says missed payment. ( i was never late }

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: FL

Complaint narrative:
unauthorized inquiries. these need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 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 2020-01-06 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: FL

Complaint narrative:
unauthorized inquiries. these need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
unauthorized inquiries. these need to be removed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I have an American Express Serve pre-paid debit card. I use it for Direct Deposits and some online billing. I on occasion use an ATM. There has never been any issues with this account. On XX/XX/XXXX, I logged onto my mobile app and noticed that my account balance was very low and not accurate. There were 5 unauthorized ATM withdrawals totaling {$710.00} plus fees. I was in possession of my card and did not use my card that day. The App doesn't tell you the times of the transactions just the date and amount. I immediately called AMEX to report this. My account was closed and a new account # was issued. I was asked a number of questions by the representative at the call center. I was asked how someone could obtain my Pin number. They made me as if I was the thief and responsible for these transactions. How would I know how some thieves stole my credit card information. I was obviously very shaken and upset. To me that is a lot of money. I have never shared my information, account number, card or pin with anyone. I filed a dispute. My dispute was denied on XX/XX/XXXX stating that no error occurred and that the transactions were authorized. I called and disputed this again. I received another email on XX/XX/XXXX stating again that my dispute was denied. They would not be issuing me a credit to my account. I filed a police report and submitted all my documentation. I can not get any information on how they investigated and came to this decision. Bottom line is that in an email I am told the decision without any explanation. I would like to know why video surveillance was not obtained in their investigation. There are video cameras at ATM 's and XXXX stores. Attached are my time stamped documents documenting where I was at the times of the withdrawals. I am very disappointed in American Express for their negligence and the way I was treated as a customer. That was my own money in that account. I am a XXXX  mother working XXXX jobs. A month later I am still without my {$710.00}. To them they do not care how I have been violated. This is a very scary situation and American Express allows their customers to feel helpless and continues to allow fraud to be accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: TX

Complaint narrative:
I have a fraudulent item on my credit file and the name of the creditor is XXXX XXXX XXXX XXXX and its has a grand total of XXXX and I discover the fraud on XX/XX/2020 and Im sending a police report and FTC to Equifax and this account is not mines and fraud ... and I already have a open dispute with Equifax

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 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: NV

Complaint narrative:
There are creditors on my credit report that aren't mine. Please remove them.

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 2020-01-06 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: NV

Complaint narrative:
There are creditors on my credit report that aren't mine. Please remove them.

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 2020-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: TN

Complaint narrative:
Repeated letters referencing debt not owed. Fails to provide the legally adequate amount of information on the amount owed, time frame, and entity they are collecting for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: MO

Complaint narrative:
XX/XX/17 {$1800.00} placed for collection Coi original creditor 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 2020-01-06 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: NV

Complaint narrative:
There are some creditors on my credit report that aren't mine. Please remove them.

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 2020-01-06 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: NV

Complaint narrative:
There are some creditors on my credit report that aren't mine. Please remove them.

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 2020-01-06 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: NV

Complaint narrative:
There is an account on my credit report that isn't mine. Please remove it.

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 2020-01-06 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: NV

Complaint narrative:
There is an account on my credit report that isn't mine. Please remove it.

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 2020-01-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
I have been on a regular ( not income based or reduced in any manner ) for a decade paying around {$400.00} per month. My principal balance is {$12000.00} higher than the original a balance. I just cant fathom how this is possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Conn's, Inc.
State: SC

Complaint narrative:
I received a letter from Conn 's regarding a 2+2 program in which they offered me to pay one payment and Conn 's would match the rest. I called in on XX/XX/19 and was offered three different payment options to get my account back on track. The one I  choice was to pay {$480.00} and the balance of {$380.00} would be cleared up by Conn 's and my account would be paid in full. So I paid the payment via my wife 's bank account and was told that the account would reflect within a few days as paid in full. When it did not reflect we called back and spoke to XXXX ID # XXXX in XXXX XXXX TX and was told that the offline department would have to go back in the back ends and update the information and I would see the update in 48 hours. I have called back once more and was still being told the same thing. I disputed it with the credit bureaus and they are reporting that I owe even more than what was initially told to me. I have been receiving harassing emails from their legal team regarding the account even after I paid what I was advised to pay. They have not held up to the end of their deal and I am exhausted with trying to get them to honor the agreement of paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NE

Complaint narrative:
Consumer 's car insurance was cancelled due to sell of vehicle. Insurance was paid in full until car was sold. No need to continue paying insurance for a car consumer no longer owns. Consumer does not owe the debt a third party debt collector is attempting to collect. Under the Fair Debt collection Practices Act ( " FDCPA '' ) if consumer sends notification they do not wish to receive further written ( or telephone ) communication from a debt collector, the debt collector must cease contact immediately. Consumer is indigent and judgment proof as consumer 's sole income is Social Security Disability income which is protected income under the Social Security Administration ( SSA ) ; Social Security benefits ( of any kind ) are federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ) and shall not be transferable, levied, garnished or assignable at law.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: PA

Complaint narrative:
I looked on my XXXX XXXX  app to check my credit and I see a debt collection for ENHANCED RECOVERY COMPAN for a XXXX account that Ive never owned I disputed it through XXXX XXXX but I still havent heard back from them I have had the same XXXX  phone account with the same number for almost 6 years. I really would appreciate it if they remove this fraudulent debt from my 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 2020-01-06 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: WA

Complaint narrative:
I had bought 8 cards at XXXX, out of 8, US Bank decided to activate only 3/8 cards XXXX dollars each : XXXX XXXX XXXX dollars each : XXXX XXXX XXXX For some reason they were not activated even though US Bank sends back a successful activation signal back to the store. This is mainly meant to fool the customers into thinking the money is on the cards.

After I tried to use them i realized they werent activated. I called in, after 10 minutes of hold on an understaffed customer care center. The customer care staff told me they would only activate 2 cards and I need to call in and hold again, this means for activating money that i have already given us bank they want me to spend 30 minutes on hold as an arbitrary limit on their customer care. The supervisors in this call center also couldnt help.

CFPB should take note that this is a systemic issue and not a one off.

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 2020-01-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
XXXX Account was paid on time and in full and agreed to be removed from credit reporting. In XX/XX/XXXX the account was reported incorrectly in error with another account. I have spoke to Comenity Bank in regards to this issue. In the conversation the account was corrected and the balance was paid as well as closing the account. I was advised the account would be removed in error from the bank and no negative reporting would be done. As of XX/XX/XXXX the account still shows on my report. After many attempts going no ware i am now filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: MI

Complaint narrative:
THESE WERE ALL OBTAINED IN MY NAME BECAUSE SOMEONE STOLE MY IDENTITY 3 YEARS AGO. I HAVE BEEN DEALING WITH AND THE CREDIT REPORTING AGENCIES ARE NOT REMOVING THEM FROM MY REPORT. I HAVE FILED MULTIPLE POLICE REPORTS. PLEASE HELP XXXX/XXXX/XXXX  XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$8300.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XX/XX/XXXX {$1200.00} XXXX XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX XX/XX/XXXX {$6100.00} INQUIRIES DUE TO IDENTIY THEFT 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX9 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.  XXXX XXXX  XX/XX/XXXX 8. XXXX XXXX XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX   XX/XX/XXXX 11. XXXX XXXX  XXXX XX/XX/XXXX 12. XXXX  XXXX XX/XX/XXXX 13. XXXX  XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-06 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: MI

Complaint narrative:
THESE WERE ALL OBTAINED IN MY NAME BECAUSE SOMEONE STOLE MY IDENTITY 3 YEARS AGO. I HAVE BEEN DEALING WITH AND THE CREDIT REPORTING AGENCIES ARE NOT REMOVING THEM FROM MY REPORT. I HAVE FILED MULTIPLE POLICE REPORTS. PLEASE HELP XXXX/XXXX/XXXX  XX/XX/XXXX {$20000.00} XXXX XXXX XX/XX/XXXX {$8300.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$10000.00} XXXX XX/XX/XXXX {$1200.00} XXXX  XXXX XX/XX/XXXX {$14000.00} XXXX XXXX XX/XX/XXXX {$890.00} XXXX XXXX XX/XX/XXXX {$12000.00} XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XX/XX/XXXX {$28000.00} XXXX XXXX XX/XX/XXXX {$6100.00} INQUIRIES DUE TO IDENTIY THEFT 1. XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3.XXXX XX/XX/XXXX 4.XXXX XXXX XX/XX/XXXX 5.XXXX XXXX XX/XX/XXXX 6.XXXX XX/XX/XXXX 7.  XXXX XXXX XX/XX/XXXX 8. XXXX XXXX  XX/XX/XXXX 9.XXXX XXXX XX/XX/XXXX 10. XXXX   XX/XX/XXXX 11. XXXX XXXX  XXXX XX/XX/XXXX 12. XXXX  XXXX XX/XX/XXXX 13. XXXX  XXXX XX/XX/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 non-monetary relief