vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-05 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: Fidelity National Information Services, Inc. (FNIS)
State: OK

Complaint narrative:
Chexsystems did not provide me with copies or verification how the following accounts were opened. i have asked on several times for copies of signature cards to verify if they were my accounts ( XXXX/XXXX/2022 ). The following accounts are not mine, XXXX XXXX, XXXX XXXX XXXX Bank XXXX Oklahoma ( XXXX Accounts )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: CT

Complaint narrative:
I received an email from Venmo on XX/XX/2023 that my account was suspended for suspicious activity. I thought it was a scam honestly, until I opened my Venmo app, and it said my account has been permanently suspended. I looked at my transactions to see if I've been hacked, but no, last transaction was from XXXX, when I sent my cousin money I owed him. Previous transactions were the same, between friends and family, a few dollars here, a few there, the biggest transaction was like {$210.00}. I've attempted 3 times to reach out to Venmo to get an explanation, and been politely shut down. It's frustrating because I've been a customer for years, and I enjoy their service and their app, and now they won't tell me what I did wrong. There's nothing in my transactions that could be considered improper. But Venmo is adamant in not reinstating my account or giving me a valid explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CBC Companies, Inc.
State: TN

Complaint narrative:
On XXXX we got a letter from Innovis XXXX XXXX. 
They have realized that my address has changed [ we moved XXXX  years ago ] and now they want to, and I quote the letter... 
" In the case of a new address, this written confirmation will be sent both to the new and former address. '' I have never given Innovis XXXX XXXX  any verbal or written permission to XXXX my personal information to whomever they want to. 
This is outrageous! XXXXXXXX XXXX XXXX XXXX XXXX XXXX 
And now they are telling me [ from the letter ] that IF I want a copy of MY Innovis Credit Report that they will require this information, and I quote... 
" Please include your name, SS-Number, XXXX, XXXX of current address and Personal Identification Number ( PIN ) associated with the Security Freeze on your Credit Report. '' Can ONLY be submitted by snail mail, aka XXXX! 
XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: NY

Complaint narrative:
This is my second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : 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 2023-01-05 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: NY

Complaint narrative:
This is my second time making this complaint on my own behalf. My name is XXXX XXXX and i was a victim of identity fraud. I was fraudulent inquiries and accounts attached to my credit profile. I have closed the fraudulent account and have a ftc report. In the report i included all fraudulent unauthorized inquiries and accounts. Ive also attached the report, my id, and social to this complaint. I am making this complaint on my own behalf. There is no third party included. 


INQUIRIES : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: EQUIFAX, INC.
State: WV

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX, and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX  account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late On Equifax ( Inaccurate 1 late payment reported ) in XXXX  - XXXX  60 days late On XXXX ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: WV

Complaint narrative:
I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. 
I initially got in touch with XXXX  about inaccurate reporting multiple times but they responded by saying there was nothing they could do about it. The account was totally paid for as agreed, and is even closed now. 
Additionally, I reached out to the credit bureaus individually who later reached out to XXXX and still could not resolve problem. I am not saying they are right or wrong, I am just saying that they are not 100 percent correct for sure and that is evident in the INACCURATE AND DIFFERENT REPORTING to all 3 bureaus ( as listed below ). I also read something called the Fair Credit Reporting Act where it said by law, I had rights to challenge anything I am not sure is accurate. Some of the data being reported on some of my accounts, was totally inaccurate and that is why I am writing to you all. Upon initial request, they could not provide proof and as such, these INACCURATE LATE PAYMENT reported on my credit reports must be DELETED. 

Please investigate the following accounts and remove them if anything is missing or not correct on them. 

Paid Account with reported Late Payments : XXXX  account Reported late Payments INACCURATELY and DIFFERENTLY across all the 3 credit bureaus as seen below ; On XXXX ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late On XXXX ( Inaccurate 1 late payment reported ) in XXXX  - XXXX  60 days late On Experian ( Inaccurate 2 late payments reported ) in XXXX  - XXXX - 30 days late, XXXX  60 days late I also read where I can get the updated report after you investigate could you please send it to me? Also, please let me know who had access to my file as well. I want the investigation outcome to be sent to my address I put on the from area.

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 2023-01-05 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: DISCOVER BANK
State: AL

Complaint narrative:
TO WHOM IT MAY CONCERN The company DISCOVER never gave me adequate notice on my right to rescind at the beginning of this consumer credit transaction. pursuant to 15 USC 1635 ( a ) I was supposed to be informed of my right to recession and I had until midnight of the third business day following the consummation of the transaction or the delivery of the information and rescission forms required under this section together with a statement containing the material disclosures required under this subchapter. as seen below I have never received said documents which would mean my right to rescind is still in effect. I hereby rescind the transaction made between me and DISCOVER and I demand that you SHOW ME A DISCLOSURE SIGNED BY MYSELF OR CEASE AND DESIST FURNISHING ON MY CONSUMER REPORT, ALL COMMUNICATION WITH MYSELF IN ATTEMPTS TO COLLECT A DEBT, AND FURNISHING MY PRIVATE INFORMATION TO THIRD PARTY DEBT COLLECTORS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
In XX/XX/2021, I reached a settlement with Convergent Outsourcing ( Account Number XXXX ) where I " legally paid in full for less than the full balance '' an old account ( Original Debtor was XXXX  XXXX XXXX XXXX Since that time, Convergent Outsourcing has failed to change the status of the account and it is still reflecting as an account in collections on my reports with the credit bureaus. The amount I paid when settled was {$1600.00} and it was drafted from my checking account on XX/XX/2021. 

I have contacted Convergent Outsourcing multiple times requesting deletion of the reporting and a deletion letter, but all they have done is mail me a receipt of payment and tell me to contact the credit bureaus. I am applying for a home loan and this false reporting which they are not doing anything about is negatively impacting my ability to get a reasonable mortgage rate. 

Debt Collector Info : Convergent Outsourcing XXXX XXXX XXXX XXXX. 
XXXX, WA XXXX XXXX or 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 explanation
Consumer complaint received 2023-01-05 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: CA

Complaint narrative:
account balance amount is incorrect and this account was : 1 ) included in XXXX 2 ) Last date of payment is incorrect. The last date of payment was in 2015.

3 ) Account with balance owed is incorrect - Charge off amount showing $ 15K more than purchased amount 4 ) Past the Fair Reporting Act - seven years reporting limitations re

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 2023-01-05 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: CA

Complaint narrative:
account balance amount is incorrect and this account was : 1 ) included in XXXX 2 ) Last date of payment is incorrect. The last date of payment was in 2015.

3 ) Account with balance owed is incorrect - Charge off amount showing $ 15K more than purchased amount 4 ) Past the Fair Reporting Act - seven years reporting limitations re

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 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: CA

Complaint narrative:
account balance amount is incorrect and this account was : 1 ) included in XXXX 2 ) Last date of payment is incorrect. The last date of payment was in 2015.

3 ) Account with balance owed is incorrect - Charge off amount showing $ 15K more than purchased amount 4 ) Past the Fair Reporting Act - seven years reporting limitations re

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 2023-01-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: AE

Complaint narrative:
I have a Spousal Consolidation Loan that was serviced by XXXX for over a decade where I applied for the XXXX under the limited waiver. Until last week, I did not receive any information about my application until I submitted a CFPB complaint asking for a status of the loan. I'm a co-signer on the loan. This should not limit XXXX forgiveness because the XXXX of the United States signed a law that allows for these loans to be split and also forgiven under the XXXX program. XXXX did not forgive my portion of the spousal consolidation loan and instead stated that the loan was transferred to a new servicer, XXXX  in early XXXX. When I contacted XXXX, the new servicer, the company ( XXXX  ) stated that MOHELA XXXX XXXX. The primary signer on the loan and I divorced in XXXX, XXXX. I want the loan separated back out according to the law that the XXXX signed last fall. I also want my portion of the loan forgiven through the XXXX program since I have met all the requirements for this. I have been serving in the XXXX XXXX since XXXX of XXXX and have applied several times for forgiveness through this program. I'm also ONLY concerned about the spousal consolidation loan for the program ( not my graduate loans that are zeroed out ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: FL

Complaint narrative:
XXXX filing complaint due to missing payment from XXXX XXXX for the month of XXXX my payment has not been applied to my mortgage spoke with XXXX XXXX who stated my payment was sent out via mail same as past payments my account is 35 days past due and I have escalated with XXXX  to investigate payment which is in process but was told bank should have payment

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 2023-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Radius Global Solutions LLC
State: MD

Complaint narrative:
repeated texts from XXXX XXXX XXXX XXXX XXXXXXXX texts say : " Please contact Radius Global Solutions LLC at XXXX Regarding Reference # XXXX Important Rights : XXXX XXXX STOP to End texts '' Internet research shows Radius Global Solutions LLC is a legitimate debt collector XXXX, Minnesota. It's a misleading and worrying tactic. Ive send a message from the " contact us '' page on Radius Globals website.

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 2023-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Starting XX/XX/XXXX, I received a bill from Home Depot asking me to pay for $ XXXX merchandise from a credit card I did not open. 
I called the phone numer on the statement and they transferred me to Citi bank. They said the card was opened and used in XX/XX/XXXX. That Home Depot store is in XXXX, XXXX  and I live in XXXX, XXXX. I was able to close the card and make fraud claim. However, I keep getting the bill asking me to pay for the amount I did not spend. 
I called them again and they said that they need to see my ID, so I faxed them my Driver 's License. They reopened the case after that. However after 1 or 2 months they sent me a letter saying that I was responsible for the amount and charges because this account was not fraudulently opened. 
I called their Security Operations again. This time they said that they needed me to answer some questions. After I went over 9 to 10 questions, they reopened the case again. After around one month, I received the same letter stating that I am responsible for the amount plus any late fee. 
I called them again today XX/XX/XXXX. After providing all the information, the person on the phone said that the date of birth on the account does not match my actual date of birth. What is the point of asking to see my ID then? 
I asked her what other information I need to provide to their investigation team. She said she did not have the answer for that. She said what she could do is to reopen the case again. 
I honestly can't trust the investigation team at Citi bank anymore. It's been almost a year now so that's why I'm writing this complaint to CFPB.

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 2023-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Company has wrong address on file I asked them to remove it they said its accurate it is not

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 2023-01-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Synchrony Bank XXXX Synchrony XXXX XXXX XXXX misapplied payments to our account which placed our account in an " accounting hold '' state. This accounting hold delayed the posting of our payment by more than 30 days which triggered an automatic missed payment mark on both my wife 's and my XXXX and XXXX credit reports. 

The delayed posting payment was made on XX/XX/XXXX in the amount of {$830.00}. My wife spoke to XXXX at Synchrony customer service on XX/XX/XXXX and was told that it would take 45 days for the credit review. I spoke to XXXX at Synchrony customer service on XX/XX/XXXX and was told it would take 60 days for the XXXX XXXX. I was escalated to XXXX, a customer service supervisor, who said she could not help me. When I asked to be transferred to someone in the credit review or accounting department, I was told " they do not speak to account holders ''. 

I believe that it is the responsibility of Synchrony bank to correct its own errors in a timely manner when that error has caused detriment to the consumer.

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 2023-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
As of today, the Apple Card issued and administered by Goldman Sachs Bank is still reporting as an open and active account on my XXXX credit report. The account was closed in XX/XX/2022. Therefore, an update needs to be done to ensure that all credit reporting repositories show this information as a paid as agreed account, zero balance, closed by consumer.

Company response to consumer: Closed with non-monetary relief