vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 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: IN

Complaint narrative:
Good afternoon my girlfriend checked my credit for me and said I had these accounts on there that belong to someone else. They are using my identity without me knowing who it is and I want this to be handled by you. Please help me get this stuff removed from my credit at your earliest convenience.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: IA

Complaint narrative:
I opened my {$1000.00} limit credit card with the bank in XXXX of XXXX. In XXXX of XXXX I received a call that my card had been shut down due to a merchant compromise that included my card information. The rep informed me that they would mail me a new card. Due to having reached my limit on the existing card I did not activate the new card. I had given my old card to my ex spouse because I thought the card had been closed. My ex spouse needed a card on file for an account and that was one I thought could be used without making charges. Over the span until XXXX of XXXX, transactions were still allowed to be processed on the card. I later found, after the account was closed out that this card was also my default card for mobile payments and I had initiated transactions as well had my ex spouse. By XXXX the account had over {$11000.00} dollars due. While discussing this situation with the bank I was accused of credit card fraud by deliberately making NSF payments. This is not the case, as their online banking system allows for payments to be canceled after initiated. I had initiated a minimum payment to the card on XX/XX/XXXX. I promptly canceled the payment within minutes due to the amount being much higher that I usually pay and submitted a payment for my usual amount. That is when I noticed the balance. I attempted to call the company to get my account closed, but I was informed it already was. I thought nothing of it and continued making payments as I had before. In XXXX I received a letter that my account had been closed due to NSF payments being made. This, again I thought nothing of, because the account to my knowledge was already closed. When I visited Montana, I brought the card with me and made a transaction using the physical card as an experiment. I presented the receipt to the banker and informed them of the situation. I was informed that there was nothing that could be done about the credit reporting and that I would need to continue to make payments of 3 % of the principal balance going forward.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc.
State: CA

Complaint narrative:
I called American Financing to settle my debt which is {$690.00} and some change, I asked them can we do settlement of at least {$300.00} which they said they would call me back. They didnt call me back or the next day. They emailed back saying they can do 56 % off of my debt which they said I would have to pay {$350.00} and some change, but when I calculated the 56 % for the debt I got {$270.00} and some change I believe. So I called them today and tried to tell them about the problem and he told me know thats what it is and so I asked to speak with a supervisor and he came back and told me he was on the other line and he told me that my supervisor will tell you the same thing. I dont really care to much about paying the {$350.00} but I just dont want people being ripped off like that when trying to settle a debt at a percentage. With my other debt they did the same and when I collected it, it was the right amount I would pay them with the percentage they gave me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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:
XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals. 

Please see attached documents

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
Please attach this clain with another current claim # XXXX. The CD did not get sent to unclaimed funds. It was purchased through Charter One Bank before Citizens Bank bought them out. Citizens Bank finally investigated to find that it was NOT sent to unclaimed funds. We received a call from XXXX XXXX ( Citizens Bank ) XXXX to return her call. She finally made contact with my daughter, XXXX XXXX and made the statement that she must have cashed it in. My daughter didn't even know I had this CD for her until now ... so NO it was not cashed in. XXXX XXXX has not returned any of my calls to discuss this. Furthermore, if it was cashed in, a 1099 form would have been issued for the interest on the account that was paid when cashing the CD in. We feel like someone is trying to STEAL our money! This CD was for {$7500.00} originally, and was taken out in 2001.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: IN

Complaint narrative:
Good afternoon my girlfriend checked my credit for me and said I had these accounts on there that belong to someone else. They are using my identity without me knowing who it is and I want this to be handled by you. Please help me get this stuff removed from my credit at your earliest convenience.

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 2020-04-10 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: IN

Complaint narrative:
Good afternoon my girlfriend checked my credit for me and said I had these accounts on there that belong to someone else. They are using my identity without me knowing who it is and I want this to be handled by you. Please help me get this stuff removed from my credit at your earliest convenience.

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 2020-04-10 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: Monterey Financial Services LLC
State: IL

Complaint narrative:
I have no knowledge of this account.Monterey debt collector is attempting to collect monies from an account unbeknownst to me which is a violation of my rights as a consumer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XXXX XXXX I noticed I was being charged {$1.00}. The statement showed I was being billed as minimum interest charge under Fees. The credit card was currently carrying a 0 % balance transfer and a monthly XXXX bill of {$19.00}. Each month I have auto pay set up to send {$220.00}. The minimum payment due each month is under {$40.00}. Combining the minimum and XXXX charge the monthly amount that should be all that's needed to pay and avoid interest. Total should be under {$60.00}. I pay well over that each month ( {$220.00} ). 
From what I have read. I see : The federal " Credit Card Accountability Responsibility and Disclosure Act '' requires that card issuers allocate payments in excess of the minimum payment to the balance with the highest interest rate. The key phrase here is in excess of the minimum payment due. It continues : Heres the bottom line : To assure that your purchase is paid in full and does not accrue any interest, you will need to make a payment that totals the amount of your purchase plus the minimum amount due. which I have been doing. 
On XX/XX/XXXX and XX/XX/XXXX I called Bank of America. The first call was with XXXX. He looked at it and said it was because of the XXXX charge ( which I pay off every month ) .He couldn't explain why there is interest on the charge that I completely paid off each month. 
I called back and talked to another person and receive the same general info. Then I asked for his supervisor and the same non answer persisted. Twelve plus hours later ( about XXXX ) I called back 3 times but never got to talk to a person. The computer said there was nobody to take my call. 
Later I called a lawyer and they suggested I call the Florida bar. I did but due to the virus they were closed. 
Then I called ( got the answering machines ) both of my Senators. Senator XXXX 's office emailed me and suggested that I contact consumerfinance.gov and here I am.

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 2020-04-10 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: FL

Complaint narrative:
I have over 21 credit inquiries on my report that are false, I did not authorize these inquiries, this has been an ongoing problem with these reporting agencies for some time now. 

These are the inquiries that are falsely reporting on my report : TRANSUNION 1. XXXX XXXX XXXX  2. XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX XXXX 4. XXXX XXXX 5. XXXX  6. XXXX XXXX 7.  XXXX  8. XXXX XXXX 9. XXXX XXXX 10. XXXX  11. XXXX  12. XXXX XXXX 13. XXXX XXXX  14. XXXX/ XXXX  15. XXXX/XXXX  16. XXXX XXXX 17. XXXX 18. XXXX XXXX XXXX 19.XXXX XXXX 20. XXXX XXXX 21. XXXX XXXX XXXX 22. XXXX XXXX  23. XXXX XXXX XXXX/XXXX  24. XXXX XXXX 25. XXXX XXXX XXXX 26.XXXX XXXX XXXX 27. XXXX XXXX 28. XXXX XXXX XXXX 29. XXXX XXXX XXXX 30. XXXX XXXX XXXX.

31. XXXX/XXXX  32. XXXX XXXX 33. XXXX  34. XXXX XXXX XXXX 35. XXXX XXXX XXXX XXXX 36. XXXX   XXXX XXXX.

37. XXXX  38. XXXX XXXX XXXX 39. XXXX XXXX 40. XXXX XXXX 41. 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 2020-04-10 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:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX ( FTC Report # 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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo Bank has opened unauthorized checking and savings accounts. After I flagged these accounts for fraud and identity theft Wells Fargo closed all my accounts without my approval. Wells Fargo ( WF ) charged my account penalties which caused my accounts to be negative, WF then started a series of overdraft fees to recur further deepening the negative balance. WF then sent the accounts to collection. WF refuses to give me any account information for my accounts going back to simply just XX/XX/XXXX. I have contacted my initial opening branch since the XXXX in XXXX XXXX, CA and they have confirmed that they 'Do not have access to my accounts ''. This is a direct violation of FCRA and they have intentionally committed various forms of fraud to intentionally further cause economic harm to me. 

WF has promised to assign a caseworker and to call me. They have failed to call me and further harm me as I can not lock my credit report and I can not apply for an SBA PPP Loan as per the Federal CARE Act since they have closed my checking account.

WF has been served letter by Senator XXXX XXXX of Massachusetts to answer to their frauds. 

https : XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX % XXXX Wells Fargo had committed several violations of Federal banking, consumer, savings, and credit laws. WF has violated my California Privacy Rights. 

Wells Fargo Bank has paid over {$15.00} XXXX XXXX to  cover the frauds and is still closing people 's accounts daily and not giving them access to their records. 

The ticker symbol for Wells Fargo Bank is s WFC and trades on the New York Stock Exchange. with about {$2.00} XXXX dollars in assets WFC is the 4th largest bank in the United States. Wells Fargo is a shortable stock in a market where no uptick rule is currently in effect. 

Wells Fargo directors and officers list can be found here. Wells Fargo may be subjected to consumer and securities law derivative class actions. 

Wells Fargo distributes a Code of Ethics pamphlet if anyone runs out of toilet paper.

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 2020-04-10 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:
I applied for a XXXX credit card today XX/XX/20 and I was not approved. I had no idea why I didn't get approved since I don't have any negative account information on my credit ; I called to ask why I was denied and I was told that the reason I wasn't approved for the credit card was because there are accounts in negative standing on my credit. I immediately looked through my credit report and found three accounts that are not mine. The accounts are from XXXX, XXXX XXXX and XXXX XXXX. None of these account belong to me and I have never opened any account with any of these companies. I have reason to believe that someone stole my personal information and used it to open these accounts without my permission. I have already filed a police report with the information that I have. I never received anything from these accounts such as money, goods, services or any other benefit and I never allowed those companies to run or access 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 explanation
Consumer complaint received 2020-04-10 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:
I applied for a XXXX credit card today XX/XX/20 and I was not approved. I had no idea why I didn't get approved since I don't have any negative account information on my credit ; I called to ask why I was denied and I was told that the reason I wasn't approved for the credit card was because there are accounts in negative standing on my credit. I immediately looked through my credit report and found three accounts that are not mine. The accounts are from XXXX, XXXX XXXX and XXXX XXXX. None of these account belong to me and I have never opened any account with any of these companies. I have reason to believe that someone stole my personal information and used it to open these accounts without my permission. I have already filed a police report with the information that I have. I never received anything from these accounts such as money, goods, services or any other benefit and I never allowed those companies to run or access 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 explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I was just informed that a chase employee named XXXX at number XXXX : Discussed my banking history with chase AND XXXX XXXX  with an unauthorized third party ( XXXX XXXX ) and then refused to contact me through an interpreter and let me instruct her regarding a check I wrote that cleared and what if any financial information I would allow her to disclose if at all! 

She refused to accommodate calling me to conference in with XXXX XXXX  regarding a check which cleared XXXX and that chase would not clear for this third party. 

She said XXXX XXXX has been bouncing a lot of checks with this 3rd person.

You need to make this right. I am himilated and feel dehumanized. She would not contact me in an accessible way and so now this person things I bounced a check with them that I didnt! She defamed me and they need to make this right. 

Ps - the check was my part of rent and now Im late and Im going to get 100s of late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals. 

Please see attached documents

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 2020-04-10 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:
XXXX XXXX XXXX XXXX is appearing on my credit report as delinquent when there is a pending Appeal of this case and no decision has been rendered in this matter, therefore this debt collection agency is falsely reporting a voluntary repossession on my account, while this case is being Appealed currently with the Fourth District Court of Appeals.

Please see attached documents

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 2020-04-10 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:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX ( FTC Report # 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 2020-04-10 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:
In 2018 I suffered a debilitating illness and was in the care of a family member which required me to leave my residence and move in with my sister at her residence. Now it has come to my attention that my home had been intruded upon and my personal information was stolen for the purpose of obtaining credit and residency without my knowledge in an identity-theft crime. I have reported this to local and federal authorities in hope of apprehending the criminals and put an end to their illegal use of my personal information. They have obtained credit or have presently open accounts with XXXX XXXX XXXX ( FTC Report # XXXX )

Company response to consumer: Closed with explanation