vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-15 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME ACCOUNTS AND INQUIRIES THAT HAVE BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NOT AUTHORIZED THE ACCOUNTS AND INQUIRIES. THE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF STRESS ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM DELETED AND REMOVED FROM MY CREDIT FILE AS SOON AS POSSIBLE.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Ex

perian continues to list outdated accounts on my credit report. Ive sent several letters as well as filed a previous complaint requesting the removal of the outdated account and the account remains on my credit report. The results of their most recent investigation also concluded the account was old and outdated, yet it remains on my report. See attached. In response to the most recent complaint, Experian stated According to our records, the disputed item does not appear on your personal credit report at this time. We are in the process of sending you a current copy of your Experian credit report for review. In reviewing the attached screenshot all will discover that is an outright  XXXX, as the account still remains on my report as of todays date XX/XX/2020. The " current copy '' of my credit report they stated they would send arrived but it did not belong to me it belonged to my XXXX. The same account is also listed on her credit report. Experians response indicates their systematic commitment to reporting inaccurate information to increase their profit margin.

Despite three written requests, the outdated items still remain on my credit report in violation of Federal Law. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if they fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

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 2020-10-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: EdFinancial Services
State: FL

Complaint narrative:
I have called many many times to find out what I needed to do about the loan I cosigned for my daughter. I am XXXX, I live on XXXX  and do not work. I will never work for the rest of my short life. I receive 100 % SSXXXX. I do not drive and Im on so much medication someone had to help type this. I have called there office 8 to 10 times each time they tell me they will mail me out my paperwork, but I never get an mail. All they do is transfer me to another dept and I was told a form will be sent to me I never got anything from Ed financial this is causing many issues with my credit. I have also written to them a few times with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: PR

Complaint narrative:
Contacted Wells Fargo on Saturday XXXX after receiving2 text message and a call to verify the transactions. I did not see the call nor the message. After an hour later, the I noticed they are trying to verify the transactions. At. this point. they have not received any confirmation from me and they kept approving all the transactions. Leaving my  account balance in XXXX. I place the dispute with them that same day. I called again on Monday they told me that the department that handles my claim was closed. Called again on Tuesday and they told me the funds will be available two days later. I did not see funds on Thursday  XXXX, so I call them again. They told me that. they need to investigate and It will take about 10 business days to see my money. I think this is  very. unfair I have being with out money since the XXXX of XXXX. They make a huge mistake approving transactions without confirming identify. They. are also returning my schedule payments and charging me {$35.00} for every overdraft.

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 2020-10-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
Prosperity Bank I was locked out of my account today due to a password issue. 2.5 hours later I am STILL locked out. During this time I have : Called - Customer Service # XXXX. All agents are busy - 10 minute wait. I had to hang up to manage my work calls.

I called back and after 12+ minute wait XXXX XXXX picked up my call and said I needed to send an email request to him and he would forward to the correct person to assist. Her name is XXXX XXXX XXXX. 2 hours later no response. I emailed them both back, no response. I called the 800 number again, on hold 8 minutes.

I called my local bank, they transferred me back into the customer service que. I called my bank back and again was transferred to the customer service que.

I am now 2.5 hours locked out of my account with no help in sight. This  is not the first time that I have not been able to reach anyone to help me. This type of service is totally unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I believe that BestBuy/Citi Bank has violated the General Disclosure Requirements as outline in Regulation Z, 1026.9 ( c ) ( 2 ) ( ii ). I recently made a instore purchase using my BestBuy/Citi Bank credit  card on XX/XX/20 But I received a credit alert yesterday that my credit score drop over 30points directly affected by going over the limit on my Citi Bank credit card. With review of my credit I noticed that Citi Bank is reporting my credit limit as {$2000.00} but my current balance was {$2700.00}. I contacted Citi Bank today to inform them of the error and to request them to correct my credit limit accordingly they then informed me that my credit limit was the {$2000.00} but that they " sometimes allow consumers to go over the limit to help them complete their purchases ''? I explained that I was not informed verbally or in writing acknowledging that I wanted or even requested to exceed my credit limit. Citi Bank stated because of limited share  data Best Buy can not see what the consumer credit limit is so they dont know if going over or not, so its on Citi Bank approving the transaction on their end. I advised again that I was not informed and asked where in my credit card agreement that I accepted the terms that Citi Bank can " sometimes allow to exceed over the limit charges '' Citi Bank was unable to identify where it was in my agreement. Citi Banks failure to follow the Reg Z disclosure statement requirement has negatively affected my credit score and my credit reputation. This approval practice by Citi Bank is unbelievable and unacceptable and is damaging consumers credit reputations and must be stopped!!!

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 2020-10-15 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have sent in 4 dispute letters and 1 Credit Bureau Verification Procedure Request and 1 Demand for Investigation all certified and  notarized to XXXX, XXXX  and XXXX. On XX/XX/XXXX first dispute letters were sent, XX/XX/XXXX second round of dispute letters were sent to XXXX  and XXXX and 30 days Non Response to XXXX. XX/XX/XXXX the third round of dispute letters were sent, XX/XX/XXXX the fourth round of dispute letters were sent. On XX/XX/XXXX I sent Credit Bureau Verification Procedure Request all certified to XXXX  and XXXX. 

On XX/XX/XXXX I sent the Credit Bureau a Verification Procedure Request, on XX/XX/XXXX I sent Credit Bureau Demand for Investigation Request both certified to XXXX, XXXX and  XXXX. The three credit bureau continued to report this Unverified Account. 

At the same time I sent several dispute letters to Midland Credit Management. Midland Credit Management responded to each of my letters with a letter of their own. Their letter states We have Received and processed your dispute. After reviewing the information you provided, our account notes, and information provided by the previous creditor we have found that our information is correct. They failed to validate the account and provide me with any contract or agreement that I signed.All they have and continue to send is letters saying they  validate the debt and a billing statement. Midland Credit Management continued to report this Unverified Account.

Midland Credit Management, XXXX, XXXX and XXXX  needs to be held accountable for their misleading, false reporting and lack of a investigation.

XXXX, XXXX  and XXXX has NOT provided me with who verified these accounts?
a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA are required to promptly DELETE all information which can not be verified. 

XXXX, XXXX and XXXX  has not validated the debt as mine, and continue to ignore my letters asking for removal of this debt. They have violated many consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Exeter Finance, LLC.
State: TX

Complaint narrative:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited Drivers Select of XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
XX/XX/2020 I began shopping around for a vehicle and I visited XXXX different dealerships. I visited XXXX  XXXX of XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I  have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
Hello, My name is XXXX XXXX. I am writing this complaint regarding Barclays Bank Delaware. They are reporting items that do not belong to me and have failed to remove the false information. They have not been able to follow the guidelines stated on the FCRA 605B. I have tried multiple times to communicate in regards to this. I have done everything they have asked of me and yet they have still failed to remove the items EVEN WHEN THEY HAVE NOT BEEN ABLE TO VERIFY THAT THE ITEMS BELONG TO ME.

They have failed to delete the items even after a lot of communication with them via certified tracked mail. They have exceeded the 30 day turn around time on multiple occasions.

The following are dates that I have tried to communicate and I will be  attaching the letters sent : XX/XX/2020 XX/XX/2020.

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 2020-10-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: NJ

Complaint narrative:
On XX/XX/2020 I sent by certified mail requesting Verified Certification from I.C system to verify negative information my credit report. They have yet to response by law.

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 2020-10-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
The last time I sent out my dispute letters was on XX/XX/XXXX. I have yet to receive a response from either of the bureaus. The following account/s have errors that need to be corrected immediately by this XX/XX/XXXX. It has been 30 days since Ive sent out my last round of dispute letters, if I dont receive a response by XXXX, then by law according to the FCRA you must remove the account/s from my report within the next 15 days.

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 2020-10-15 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XX/XX/2020 I began shopping around for a vehicle and I visited 3 different dealerships. I visited XXXX  XXXX XXXX XXXX XXXX, XXXX, and XXXX. At XXXX, I was approved for a new car. Upon looking at my credit report, all three dealerships ran my credit through several credit approval companies. I have a total of 46 credit inquires across the three credit bureaus within a 7-day time frame. XXXX  XXXX XXXX XXXX XXXX XXXX placed a hard inquire on my credit 22 times. I sent letters to each of the individual companies and received a letter stating I agreed to them running my credit by providing the merchant my driver 's license. I did not agree or approve these companies to run my credit 46 times through several different companies, including those I have never heard of. XXXX XXXX could have used the first inquire as it remains available in the system for 30 days. I was preapproved through XXXX XXXX and presented my preapproval to each of the dealerships. Unfortunately, all three of the dealerships ran my credit through several agencies without my consent. I did not authorize these companies to run my credit or view my credit report. I have contacted these companies several times to request the removal of the inquire and even hired a law firm to help, but they will not budge. I also contacted the three major credit bureaus and I did not receive a response. 46 inquires across 3 credit bureaus within 7 days are truly excessive and violates several consumer laws. I would like all 46 inquires removed from my credit. I did not provide written or verbal consent for this to happen and I am saddened and truly devastation I am not being heard. These companies have caused unnecessary harm. Thank you.

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I have contacted y'all claim center to dispute these items Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$78.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$76.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$45.00} Expand XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and also have my overdraft fees credit OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$76.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$45.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00} Expand XX/XX/XXXX OVERDRAFT FEE FOR A TRANSACTION POSTED ON XX/XX/XXXX {$43.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$35.00}. Still, they denied my dispute, and I told the lady I contacted XXXX and XXXX says they can't refund me because I cancel them transferred online yesterday and still got billed, and I am 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 monetary relief
Consumer complaint received 2020-10-15 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: WA

Complaint narrative:
There are currently numerous inquiries and accounts listed on my credit report that I have no knowledge of. These inquiries and accounts were not authorized or initiated by me and was a result of fraud or malpractice.

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 2020-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Suntrust has closed my account for no reason without any warning. They claim that they needed to verify where the funds came from so I sent them copies of my bank statements from my XXXX  account and money order receipts, they said that still wasnt enough. Every time I call I get a different answer as to whats going on I even spoke to an employee named XXXX and she told me that a check in the amount of {$6100.00} which was the remaining balance on my account only to find out later on that that was not true only fans I have received out of the {$6900.00} was a check for {$720.00} that was my last paycheck deposited in another check for {$.00} that was in one of my savings accountsEvery time I call I get a different answer as to whats going on I even spoke to an employee named XXXX and she told me that a check in the amount of {$6100.00} which was the remaining balance on my account only to find out later on that that was not true only funds I have received out of the {$6900.00} was a check for {$720.00} that was my last paycheck deposited in another check for {$.00} that was in one of my savings accounts. I have been battling this for three months I lost my job due to Covid and am on the verge of loosing my home due to my funds being held up.

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