vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: AR

Complaint narrative:
XX/XX/XXXX, U.S. Bank seized my XXXX XXXX XXXX Federal Benefits for me and my XXXX minor dependent children, XXXX XXXX and XXXX XXXX. I listed the amounts below. 

XX/XX/XXXXFederal Benefit Credit- XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit-XXXX XXXX {$270.00} XXXX/XXXX/XXXX Federal Benefit Credit- XXXX XXXX {$930.00} US Bank seized a total {$1400.00} in XXXX XXXX XXXX Federal Benefits. {$360.00} of that were in overdraft fees leaving me with a negative balance of {$45.00}. This seizure of benefits left me without money for food and medication. 

OnXX/XX/XXXXI called US Banks Customer Call Center and spoke with a supervisor that identified herself as XXXX. I requested that the overdraft fees be waived due to the hardship it would place on me and my family. I repeatedly informed her that taking my entire Federal Benefit would leave me with any means to purchase food for my family nor would I be able to purchase the medication required to treat my XXXX XXXX XXXX. She refused stating that the bank would not waive the fees because they already returned {$280.00} ( in wrongfully assigned overdraft and insufficient fund fees, which XXXX claimed was done as a courtesy ) and three {$36.00} ( {$100.00} ) overdraft fees in the past and would not help me out anymore. 
I asked if the overdraft fees could be returned since they were unlawfully assigned to my Federal Benefits XXXX XXXX XXXX and XXXX XXXX anyway. 

I informed her that my children could ( at that time ) not go nine days without food nor could I go that long without my medication which I need for my XXXX XXXX XXXX, including XXXX XXXX and XXXX due to my XXXX XXXX  XXXX and other XXXX XXXX XXXX. 

XXXX went on to educate me ( her words ) that US Bank would continue assess additional extended overdraft fees to my checking account every three days until the overdraft fees were all paid off. She then said that the bank had every right to take the money regardless of the Social Security Anti-Assignment Act. XXXX went on to say that I should manage my money better and not order pizzas as she could see that I had on the XXXX of XXXX. 

Before the call ended she demanded to know if I wanted her to take off my overdraft protection and I told her yes, I never asked for it. She said that it was automatically provided back in XXXX when I agreed to it, and assured me that my overdraft protection had been removed. 

On XX/XX/XXXX US Bank assigned {$45.00} overdraft fee with an additional {$25.00} extended overdraft fee assigned onXX/XX/XXXX, but did not attach the extended overdraft fee until my XXXX XXXX XXXX XXXX directly deposited into my checking account. 
To date, US Bank has me at {$1600.00} in the negative in overdraft fees.

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 2017-09-12 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:
There was a breach of security at Equifax with my personal information made vulnerable along with 140 million other individuals, and per their report on their website, my information is at risk. This places me under duress that my information can be stolen and my identity stolen, which can lead to significant impact on my life and my family 's lives in the future if it is stolen. This company did not have proper protection in place as evidenced by the significant amount of impacted individuals.
I have already placed a 90 day free fraud alert on my file. I also have obtained my free annual credit report from XXXX and XXXX. I have been unable to obtain my credit report from XXXX for some unspecified reason per the website. I have sent a written request for my credit report from them today XXXX. 
Equifax has not contacted me that my information is at risk, I had to find out on my own and check their website to discover this. 
I believe that one year of credit monitoring and fraud protection is not sufficient protection for the amount of people affected by this attack, nor is the punishment of the company reflective of the significance of this attack. In addition, signing up for their protection for one year voids our ability to pursue legal recourse in the future if our information is used past the year of protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: KY

Complaint narrative:
Equifax mishandled my PII which has led to a breach that puts myself and millions of others at potential risk. I am disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it due to my line of work I am currently in : XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I found out from XXXX that my account was one of those breached. I immediately completed online security freezes with no problem at XXXX and XXXX credit bureaus, but have tried XXXX times to do so at Experian over XXXX. I get an error every time that says they are unable to honor my request. I have verified that all the information I entered is correct. I have not moved in 17 years and have changed NO personal information. I see that there are numerous complaints from other consumers online stating that Experian online security freeze does not work. They have a ridiculous request for additional documents to be mailed to them! I also tried their link to upload documents electronically ... that does n't work either! Time is of the essence. I have tried to contact they by phone and can not get a person to talk to, just one automated loop.

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 2017-09-12 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: NY

Complaint narrative:
Equifax mishandled my information which has led to a breach that puts myself and millions of others at potential risk. I am extremely disappointed with how Equifax has handled reporting this breach. Very little was done to notify the public for nearly a month after the breach was detected. I received no email, letter, or phone call and instead had to discover it via social media. 

Going forward Equifax should be required to monitor every account and notify victims if any fraud occurs at no cost to the victims. Credit fraud protection should be mandatory for every account. The public should not be forced to pay for Equifax 's mistakes nor should Equifax be allowed to profit off of the fall-out from these mistakes. 

I hope to freeze my credit however in researching this process I will be forced to pay for these services, effectively rewarding Equifax for their gross negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monterey Financial Services LLC
State: SC

Complaint narrative:
In XX/XX/2013, I was unemployed XXXX  seeking assistance to find XXXX XXXX XXXX. I found a company online called XXXX XXXX. I submitted information and spoke to a representative, who stated that they worked with assisting executives with finding positions and would guarantee that they could find me a position in 13 weeks. They asked for {$630.00} upfront, which I paid and a copy of my resume. They had me complete a detailed survey online and then a " coach '' called me. I was then sent the contract for 6 additional payments of XXXX to begin in XXXX but was told that if I did not have results in the 13 weeks that I could cancel. I would lose my deposit but no further obligation. I received my resume back " prettied up '' but with numerous spelling and grammatical errors that also changed the core of my experience in several instances ; with cover letters and envelopes addressed to CEOs of 12 companies. I was told to mail these and follow up asking for an appointment to see if they would see me and possibly have a 'spot '' for me. This was not what I was promised when I spoke with the sales rep on the first couple of calls. I told them this. I did however, do what they asked and never got to speak with anyone at any company. I asked XXXX to discontinue my service. They said I had to do it online. I sent email but once I started being contacted by collection was told there was a special form I should have filled out. I reported there activity to SC Attorney General as Internet Fraud. They have since been hurting my credit score and compounding interest to this account and calling my phone constantly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: PA

Complaint narrative:
Equifax allowed my information to be accessed by an unauthorized 3rd party who has the ability to access all of my personal information for potential monetary exploitation.
I never allowed Equifax to store this information nor to host it in a manner that it could be compromised. They willfully did not attempt to store my data in a manner that would be consistent with reasonable identity protection and are unable to provide me with clear answers as to the following : 1. Who took my information?
2. What information of mine was compromised?
3. What steps are they taking to protect me?
4. Should someone attempt to use my data in an unscrupulous manner, will Equifax cover the legal and time costs?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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 with product or service terms changing
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In regards to the Equifax breach, I have been trying to enroll in the protection plan. However, they are making it unduly cumbersome and is beginning to feel like an exercise in the quixotic. 

I signed up a week ago. The website told me to go to another website in 5 days to complete the process. There were no originating or follow up emails - instead I copied the link and added a reminder in my calendar. I went back to the linked website on the day that it would be ready and effectively had to repeat what I did the first time. This then took me to a second step wherein I had to submit all of my private information. After completing this step, the website stated that I would receive an email to confirm my sign up. An email that I have still not received. 

This is a ridiculous process and one which I highly doubt is nearly as cumbersome if I were to just pay for the service at a different time. ( On a side note it is also ridiculous that this protection is only being offered for one year where I believe 10 years should be required. On a second side note I truly hope that Equifax and all it 's ( previous ) shareholders are held to account ). 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: MO

Complaint narrative:
I want information about how people are obligated to have their information shared with the credit reporting agencies. I called and spoke to a lovely representative who explained that people can not opt out of having their credit information shared. She read a passage and tried to guide me to it, but I can not find that information, regardless of the terms I use in the search. I do n't know by what authority credit reporting agencies have a right to information. All other breaches of information are with stores or employers - where people voluntarily used their services and provided their information. In the case of Equifax, sharing information is not voluntary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: PA

Complaint narrative:
My personal information was mishandled by the company XXXX Equifax XXXX, which potentially puts me at serious risk along with several millions of other people as part of the recent data breach. Since I can not trust Equifax to sensibly manage my information, I decided to place an initial fraud alert on my credit report using the services of XXXX, a different credit reporting bureau. 
Additionally, I was never personally notified ( by email, phone or otherwise ) by Equifax about the potential risk I was under with regards to my information being included in the data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: MA

Complaint narrative:
Equifax collected my personal, private information, and then lost that information in a security breach due to outdated cyber-security measures. Furthermore, it took them over a month to make a public announcement about this security breach. I found out that my information was divulged through the security website set up by Equifax. They did not notify me personally. According to Equifax, the information might include my name, address, social security number, birth date, and driver 's license number. 

I and 143 million Americans are now an easy target for identity theft for the rest of our lives because Equifax collected our information and lost it due to negligence. We will have to use credit monitoring services, fraud alerts, and request frequent credit reports to ensure that our identity is not stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I have tried for 3 days to freeze my credit reports at Transunion unsuccessfully. I was able to freeze my credit with XXXX and XXXX without any issues, but am unable to do so with Transunion. I would have called them, but there is no number provided to reach 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 2017-09-12 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: AR

Complaint narrative:
Equifax disclosed my personal data due to a security shortcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: OR

Complaint narrative:
Wells Fargo charged us excessive interest, by a misleading process where there was a payment delay - by Wells Fargo ; Wells intentionally takes up to 2 billing cycles to process the initial payment, putting the consumer behind in payments.
We bought an engagement ring at a local jeweler, about {$1500.00} worth, and used our new Wells card to pay for it. 

The program they offer is called " Jewelry Advantage ''. It is a XXXX card, dedicated to one Jewelry store. We opened such an account. They advertise that if you pay off the charge within 6 months, there is no interest. However, we ran over by 1 month, through no fault of our own - so they charged us interest. 

It sounds simple but Wells has set this up in an extremely deceptive way. They ask for your routing and account numbers, so they can 'pull ' the payments in an automated way. 

Here is the problem : they take up to XXXXWO FULL BILLING CYCLES to pull the first payment. This puts the consumer behind - potentially right from their first payment!
What is worse, is we did in fact notice we were behind ; we called Wells Fargo, the rep said he would fix it ; by taking a payment right then on the phone, and then the payments would 'sync up ' and we would be fine. We did exactly as he said, but we still ran over - it never sync 'd up.
Obviously the consumer can check over and over ... but when you deal with a bank as big as Wells Fargo, you want to have some trust. There is no reason to take up to two full billing cycles to pull an EFT payment. Everyone deals with EFT. It can be fully transacted within 4 days, sometimes as fast as 2 days. 

Our interaction with Wells - which was extensive, including several senior ( VP ) people - gives me the very strong impression that this design is intentional. They want the consumer to fall behind, so they can collect more interest.
Wells Fargo has found yet one more way to fraudulently collect excessive interest from consumers.

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 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Equifax data breach, I was alerted that my information may have been impacted. I am still in the process of tracking down the severity and taking precautions so the breach does not escalate. 

( see attached )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Equifax has allowed the personal identity of myself, and my 4 family members to fall into the hands of criminals. They did so knowing there was a weakness in their security, and their top executives sold off stock in their firm, before making it public, protecting themselves, at others 's expense. 

I believe a crime HAS been committed, and I should be able to place a 7 years freeze on all 3 of credit bureaus for myself and my family AT NO CHARGE! 

Alternatively, the federal government should allow each of us to change our social security card. 

I am dismayed by the lack of federal attention to this matter. I expect it from the Criminal in Chief and his team of hacks, ( Trump ), but hope for better from your department in the days and weeks to come. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 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: MA

Complaint narrative:
Equifax mishandled my personal information ( as well as the information of millions of others ) which has led to a breach that puts my personal banking information at risk for the foreseeable future. They chose not to inform me of this ( and still have n't as of this complaint ) for over a month after they became aware of the breach. As far as I can tell, the only recourse they are offering forces me to simultaneously forfeit my right to legal action against them for their negligence. Considering I have never even personally requested their services, it seems ridiculous that I am simultaneously expected to take all the proactive measures to protect myself from their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
EQUIFAX, XXXX, XXXX All 3 credit reporting agencies are not providing easy ways to manage credit freeze thaw process : websites not working phone in systems not working or no phone number provided to call

Company response to consumer: Closed with explanation