vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Receivede-mailthatcreditcardhadbeenclosedaweekearlier.Nowarningwasgiven.WhencallingCapitalone,agent(XXXX)statedIshouldhaveexpecteditfromtermsofserviceIreceivedayearago.Agenttriedtostatethatallbankswillcloseforinactivity,butCapitalonewillgivenowarningaheadoftimeasapolicyandwillonlytellyouafterthefact.Atacertainpoint,agent'stonemadeitapparenttheywantedmetohangupbutIstatedIwouldliketocontinueallwhileItrytofindothercasesofthisoccurringandhowtheywerehandled.Agentbegantoclaimtheycouldnothearmeanddisconnectedcall.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-16 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: CA

Complaint narrative:
Recently, I Review my Credit files on XXXX  and Equifax, and noticed a false information reported on the collection services that i have not acknowledge of or consent to from XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX. I have reason to believe I do not associate or have an account with XXXX XXXX, my wireless cable has always been with XXXX XXXX XXXX. I believe the information is incorrect or mistakes from the XXXX  XXXX, therefore reporting false information is in violation with FCRA Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I had an 18 yr old XXXX card with a XXXX credit limit that a disreputable " law firm '' XXXX XXXX XXXX hounded me for payment of {$6700.00} and freezed my checking account for payment. We made arrangements to settle for app. XXXX and I paid them XXXX a month for 3 years and they sent me a letter of discharge. My bank account has been closed for years and water damage has ruined our records. The bank can not give us copies from 15 years ago. Now a new company says they are employed by XXXX. It is Foster and Garbus. They sent a very inconspicuous letter claiming I had never paid XXXX XXXX XXXX which is now out of business ( not surprisingly ) and I owed them XXXX! I immediately responded and refuted their information. Even though the statute of limitations are expired on this loan, they have started calling my house multiple times during the day. I do not owe and my next step will be to seek legal help to resolve this.

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 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
Used XXXX to pay for something, using my XXXX credit card. Thereafter, I received a letter advising that I had been accepted for a XXXX credit account. I responded on line that I did not want the account. I received an invoice today showing I now owe over {$1100.00} for a {$990.00} purchase I made in XXXX. No such purchase was ever made. Tried calling listed XXXX account phone number and could not contact a human. Recording stated, " We are unable to verify your account. Please state your full Social Security number. '' Sounded scam like. Checked my credit reports and found Synchrony/XXXX account listed showing late fees and no payment. Totally not legitimate,

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 2019-07-16 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: GA

Complaint narrative:
XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX, Transunion, XXXX  XXXX XXXX balance XXXX is not my account but on my credit ( XXXX, Transunion, XXXX  will not remove and XXXX will not answer my calls ) XXXX XXXX  XXXX reported on XXXX  not my account XXXX XXXX XXXX  {$990.00} Reported on Transunion, XXXX, XXXX  not my account and was not removed XXXX XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance on Transunion & XXXX  and was not removed Transunion collection account doesnt belong to me and was not removed. 
XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX   XXXX  Last reported XX/XX/XXXX {$510.00} Reported balance on Transunion and XXXX  not my account XXXX  collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX closed account reporting on my XXXX  report that will not be removed it doesnt belong to me ( XXXX  XXXX  inquires that are not mine contacted XXXX  and creditor to remove but no help XXXX XXXX, XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  - XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX Transunion inquires not from me. I have reported by Transunion has not removed XXXX XXXX from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Finance XXXX XXXX from XX/XX/XXXX XXXX. 
XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX Credit Union XXXX XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX Inquiry from XX/XX/XXXX XXXX   XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX   XXXX/XXXX XXXX Ca Inquiry from XX/XX/XXXX Finance XXXX  Auto Inquiry from XX/XX/XXXX Credit Union XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX  XXXX Inquiry from XX/XX/XXXX Bank XXXX XXXX from XX/XX/XXXX Finance XXXX  inquires that do not belong to me XXXX XXXX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX CARD XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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: GA

Complaint narrative:
XXXX XXXX The company was XXXX and reported late and I was never late. Company reports the wrong amount and based it on biweekly payment. I was never late on this account XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( XXXX, XXXX, Experian XXXX XXXX balance XXXX is not my account but on my credit ( XXXX, XXXX, Experian will not remove and XXXX will not answer my calls ) XXXX  XXXX  XXXX reported on XXXX  not my account XXXX XXXX XXXX  {$990.00} Reported on XXXX, XXXX, Experian not my account and was not removed XXXX  XXXX  Last reported XX/XX/XXXX {$0.00} Reported balance on XXXX  & Experian and was not removed XXXX  collection account doesnt belong to me and was not removed. 
Indiana XXXX XXXX XXXX Opened XX/XX/XXXX {$950.00} Original creditor : XXXX XXXX XXXX XXXX  XXXX  Last reported XX/XX/XXXX {$510.00} Reported balance on XXXX  and Experian not my account Experian collection account reported on my report that does not belong to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$950.00} XXXX XXXX XXXX  XXXX XXXX Account # XXXX closed account reporting on my Experian report that will not be removed it doesnt belong to me ( XXXX  XXXX  inquires that are not mine contacted XXXX  and creditor to remove but no help XXXX XXXXXXXX XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  - XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX  Inquiry from XX/XX/XXXX XXXX  inquires not from me. I have reported by XXXX  has not removed XXXX XXXX from XX/XX/XXXX XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX Misc. 
XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX XXXX  Inquiry from XX/XX/XXXX XXXX XXXX XXXX/XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX/XXXX  XXXX  XXXX   Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX  Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  XXXX Inquiry from XX/XX/XXXX XXXX  Experian inquires that do not belong to me XXXX XXXX/XXXX  XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX/XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/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 2019-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONRAD CREDIT CORPORATION
State: NJ

Complaint narrative:
A few years ago I received a notice in the mail to enjoy a free weekend at XXXX RV park in XXXX, Pa. It said there would be giveaways and a chance at a brand new truck. My wife and I spent Friday night there and in the morning we were awoken by a saleswoman who said she wanted to show us the park. 
We toured the park, still a bit tipsy from a late night of campfire and alcohol. She then led us to an office where high pressure salesmen promised us all kinds of benefits for signing up for a time share of RV parks across the country. 
When we got home and had a chance to read the fine print we decided this wasnt such a great deal. Supposedly for {$15000.00} we had a lifetime membership and if we wanted, we could sell the membership. Once I called the campground they said they had nothing to do with the sales team and that they were part of an XXXX XXXX   XXXX. 
I asked for a refund and the lady said shed take care of it. I started receiving payment coupons and called again. Someone else told me it was too late to cancel because there is only a 3 day window to do so. 
I called and wrote letters but to no avail. I stopped making monthly payments. They stopped calling me but then suddenly I get a notice from a collection agency demanding payment. 
I never received anything in writing from the campground or the company representative from XXXX XXXX XXXX XXXX. I never was given the opportunity to resell the timeshare. I was never informed of my rights. I also found out there was no tangible property or time share to sell only a deep discount club membership for RV parks. 
They misrepresented their business, the nature of the product they were selling and we never received the free trip and airfare promised in the original signing. 
We have tried to talk to XXXX XXXX XXXX XXXX but they say the account is now with Conrad Credit Corp. I contacted them and they said they cant do anything about it because the debt was already sold to them and they want their money. 
Adding insult to injury, we basically have already lost a {$4000.00} down payment and they say we owe another {$13000.00} and we literally didnt get one thing from them! No free trips, no free airfare and no deep discounts for using any of their parks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
midland funding is trying to garnish payments from my checking account without ever notifing me, emailing me, sending me mail, phone calls nothing. I have not heard from them in 10 years since they took me to court. The very old debt is with XXXX XXXX an east coast clothing compant that was one of those mail order credit companies. never had a credit card with them. The XXXX XXXX XXXX account was open in XXXX and its XXXX. They have been harrassing me for a few hundred dollars from when I was a kid ( young twenties ) They have accumliated the amount to {$2100.00} with all there fees court cases lawyers and were taling for a few hundred. This debt is almost 20 years old.  So last week my bank sent me mail that they tried to garnish my account and it was the first time i even heard of midland company and there lawyers. I called them and they said there going to go after me until XXXX and that I ower over XXXX and if I dont pay all of asap there going after my account account again.. They were so rude and demeaning to me and wouldnt even try to work somthing out with me. There has to be some kind of law about that attacking me out of nowhere not even knowing who they were and never reciving one phone call or piece of mail. I had to hear through my bank.. I feel like this couple of hundred that I owed to this mail order company is way too old and not even the correct amount there trying to sue me for.. what can I do? 
and they also have my husbands name who i wasnt even married to at the time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 2019-07-16 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:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ARVEST BANK GROUP, INC.
State: CA

Complaint narrative:
on XX/XX/XXXX my mortgage was transferred from XXXX XXXX XXXX to Arvest Central Mortgage. During the process the total amount transferred was short by {$9.00}. 
Normally I would let this slide. However during the process, both companies took the XXXX payment from my checking account which sent it into overdraft and I was charged a {$38.00} fee from my bank. Since I didn't have enough funds in the bank to cover 2 mortage payments, The payment to Arvest did not clear, and they charged me {$25.00} isf fee  among other things. 
When I received my year end tax documents, I noticed the {$9.00} discrepancy and contacted both companies. 
In XXXX of XXXX Arvest responded that they were aware of the problem and it would be resolved within weeks. 
In the last year I've reached out to Arvest as to the status and have received no response from them. At this point they should pay a late fee as well as interest on the {$9.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 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:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-16 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

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 2019-07-16 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: FL

Complaint narrative:
THE DISPUTED ACCOUNTS HAS BEEN HINDERING MY CREDIT AND HAS BEEN AFFECTING MY CHANCES OF ACQUIRING NEW CREDIT. PLEASE HAVE THESE ACCOUNTS REMOVE OFF MY CREDIT FILE. THOSE ACCOUNTS ARE CLOSED ACCOUNT THAT ARE REPORTING AS DEROGATORY AND DELINQUENT, PLEASE CONDUCT A REINVESTIGATION INTO THIS MATTER AND HAVE MY CREDIT REPORT UPDATED WITH THE APPROPRIATE ACCOUNT ACCURACIES.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I'm filing this complaint against MoneyLion bank ( XXXX XXXX XXXX ) for the following two major issues I'm facing from them. 

1 ) They are not honoring their promotional offer to credit 17 % of the direct deposit amount into my account although I have met all the conditions specified in the offer and bonus payout is overdue from their side as of XX/XX/2019. I opted-in for this offer in their app at the time of signup and they confirmed the same to me via email confirmation that I am eligible for the promotional bonus. 

Here are the exact terms and conditions of the offer : .. 
MoneyLion is offering a bonus of up to {$590.00} as part of their pave the wage campaign to highlight pay inequality between genders. To receive the bonus you need to : - Join MoneyLion - Set up a direct deposit of $ 500+ - Opt in to bonus - Maintain direct deposit for 90 days to get bonus ( this needs to be 90 % of your initial direct deposit ) - Bonus you receive will be 17 % of your first direct deposit I have fulfilled all the conditions as of XX/XX/2019 but they are saying that they want me to send them an Opt-in confirmation which I never received due to their faulty system. I thought they might do a fraud like this so I emailed them and confirmed my eligibility in writing from them. 

See a lot of comments from aggrieved customers at the bottom of this page talking about the same fraudulent behavior Moneylion is subjecting them to : https : XXXX 2 ) I'm unable to transfer out any money from my MoneyLion account to my external bank accounts. They are holding my money for last 4 months now. I have tried adding three external bank accounts and none of them show up in the transfers window in their app. They don't respond to the helpdesk tickets filed on their app or website and I'm getting only canned responses directing me to their help articles. Also, when I get to talk to someone on their phone helpline they aren't able to admit the problem and are unable resolve the issue for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: SC

Complaint narrative:
Beginning of XX/XX/2019, Radius Global Solution being calling my cellphone with effort to collect on a debt that i don't owe. They never sent me an correspondent to let me know they were collecting money, nor did they allow me to properly validate this alleged debt prior to the calls to me phone. Since then, I have sent a pending litigation letter to them in effort to settle this matter prior to moving forward seeking remedy in courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Monterey Financial Services LLC
State: TX

Complaint narrative:
I have contact them told them this was not my debt and I have no knowledge of this debt. My personal information was stolen and I told them that

Company response to consumer: Closed with explanation