vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
I called to settle debt in XX/XX/2021 with Professional Debt Mediation and came up with a total everyone ( original creditor ) agreed on. I told the representative there were 2 accounts from PDM, he told me it SHOULD only be 1. When paying off debt, I informed the rep I needed to break up payment due to daily card limit after our declined attempt to pay by phone. He stated I had to pay {$1000.00} for XXXX XXXX XXXX, then could break up and pay the remaining. I specifically asked " once I make this payment, that's it? It'll come off my report? '' He reassured me it would. I then paid online the same day making sure my 1st payment was over {$1000.00}, paying the remaining the following day as my card allowed. PDM removed the 1 account this representative claimed to be as the only, but now claiming I did have 2 accounts and still owe for something I was told I already was paying for. I explained to one rep and a manager that I was told I had 1 account that included what they're saying I owe and they completely dismissed it and stated I shouldn't have been able to pay the account I did pay, without paying sure deposit 1st. I completely agreed and asked " if that's the case and your reps know the procedure, even telling me before paying, how was I able to pay in the 1st place if sure deposit wasn't included like the 1st rep told me? '' They said they don't know and continued to argue if I would have paid it, it would have shown that there was a payment on the 2nd account. However, the whole thing about this incident is that I was made to believe there was ONLY 1 ACCOUNT! Why am I still in debt for something your representative proclaimed I was paying? I asked the manger for the recording from that day, which another representative told me I could request, but the manager stated they don't give recordings to consumers. It seems like every rep there has there own rules and act as if we owe them directly, not to mention RUDE! I contacted the original creditor and they reassured me I have a {$0.00} balance with them, so who exactly do I owe?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a checking account with Capitol One, and my job has already sent my direct deposit to them, they have not deposited it in my account, nor do they know where my money is. I have direct deposit with another bank with a set amount, my direct deposit has already been deposited but nothing from Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I received a notification on my XXXX XXXX that I had these inquiries made when I never wrote to these companies to pull my consumer report. Not only was my credit card ( social security number ) used without my written consent, for the extension of an yopen ended credit account, it was done fraudulently under a name that did not match my credit card and an address that was not real. I never received a right of recission. ( 15 USC 1635 ) let alone a finance charge which is necessary pursuant to federal law 15 USC 1605. to make things worse, this fraudulent activity wont end here, im sure they will send some sort of statements claiming I, The original creditor, owe a debt. Well, I want to make it very clear that i willl not pay that alleged debt. It makes no sense to pay money that my credit card originated. right? This headache has caused me mental harm because the Consumer reporting agencies XXXX XXXX AND TRANSUNION gave out sensitive informationg that they never had permission to. pursuant to federal statute, FCRA, my livelihood and reputation depends on the information and data that the aforementioned consumer reporting agencies harbor. Well, having those hard inquiries and extensions of credit under a mispelled name and also address that isnt even real has now caused me significant damage. my reputation and credibility have been damaged to a point where i must seek professional emotional and mental help. I will attach the FTC affidavit that was filled out. which took me more time to do off of their negligence. 

I filed the FTC report, i have now complained to the CFPB and I have my affidavit of truth with a whole lot of federal consumer right laws that have been violated. This will be the only opportunity that I will give XXXX XXXX and transunion to make it right and I invoke my specified remedy of {$5000.00} to be paid by each consumer reporting agency XXXX TRANSUNION AND XXXX, totaling {$15000.00} to be mailed out by XX/XX/2021 to the Consumer, I in Fact that you will see in the FTC affidavit that will be atttached. 

If a swift response isnt made on their end, I will continue with my affidavit of truth, citing over {$100000.00} woth of federal violations they willfully broke and my beautiful exhibits and I will notarize it and send it to the Attorney General and the XXXX and will take legal action.

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 2021-07-03 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: EQUIFAX, INC.
State: MN

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LDF Holdings, LLC
State: CA

Complaint narrative:
Loan at last started calling said I owe for a loan, I think they have mistaking me for some one else so I had asked if they can send me documents by mail to validate I owe. They said no they don't send validation by mail They said email only. I do not want to give my email to these people cause I'm not sure who they are yet. So I asked again. I said I need documentation to validate the dept mailed to me they said ya they will see what they can do. At this time I had asked if they could contact me by mail and not my phone. They call me over and over all-day. I want to file all documents and communications we have. But they keep calling me over and over everyday. They still have not sent me anything to validate. It's been 3 month they call daily. Today the guy got a attitude and would not let me talk. I said contact me by mail he said he will contact by what he has on file. I asked for a letter to validate he said no. He hung up on me and called me back. I answer but he hung up on me again. He kept calling and hanging up...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: RI

Complaint narrative:
Ordered # 1 XX/XX/2021 Tracking # XXXX ( more than 120 days see attachment ) Delivered XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX Amount : XXXX Item was returned via XXXX label provided by seller ( see attachment from XXXX ) Amazon refunded the fees on their side but Synchrony Bank ( Amazon Store Card ) refuses to refund the charges. I filed a dispute in XXXX and the continued to string me along and now the dispute is apparently still open but I am paying on the card Order # 2 XX/XX/2021 Tracking # XXXX XXXX XXXX Front & Rear Performance Suspension System ( XXXX ( XXXX ) XXXX XXXX XXXX / XXXX XXXX ALL ) Amount {$1600.00} Same situation Item was returned via XXXX label provided by seller ( see attachment from XXXX ) Amazon refunded the fees on their side but Synchrony Bank ( Amazon Store Card ) refuses to refund the charges. I filed a dispute in XXXX and the continued to string me along and now the dispute is apparently still open but I am paying on the card

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 2021-07-03 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:
I have a few accounts on my credit report I do not recognize

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 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: CA

Complaint narrative:
XXXX XXXX/Loan Care regarding FHA home loan has been misapplied my monthly payments to " suspense account '' instead of " regular payments '', which we tried very hard to do regular payments despite of financial hardship due to COVID. 

1.Paid XXXX, {$3300.00} was placed in suspense acct, reflected 30 days late 2.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 3.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 4.Paid XXXXXXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 5.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 6.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 7.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 8.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 9.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 10.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 11.Paid XXXX, {$3000.00} was placed in suspense acct, reflected 30 days late 12.Paid XXXX, payment for XX/XX/2020 {$3400.00} was placed in suspense acct, reflected 30 days late 13.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 14.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 15.Paid XXXX, XXXX was placed in suspense acct, reflected 30 days late 16.Paid XXXX, payment for XX/XX/2020 {$3500.00} was placed in suspense acct, reflected 30 days late 17.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 18.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 19.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 20.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 21.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 22.Paid XXXX, {$3500.00} was placed in suspense acct, reflected 30 days late 23.Paid XXXXXXXX, {$3400.00} was placed in suspense acct, reflected 30 days late 24.Paid XXXX, {$3400.00} was placed in suspense acct, reflected 30 days late

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 2021-07-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
My complaint XXXX was not answered. 
My complaint was that I returned XXXX worth of items but I had a bill owing XXXX They said I had to make a min payment of XXXX After I wrote the cfpb Amazon credit card took XXXX from my card ending XXXX. Illegally. 
I did not authorize them to do this. 
I had automatic payments XXXX XXXX. When I was paying the card off. 
On XX/XX/2021 I paid XXXX In XX/XX/XXXX I received a refund of XXXX. 
They are overcharging me. 
They are now saying I owe XXXX after taking XXXX unauthorized. 
I want to have my account audited.

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 2021-07-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX, XXXX and navyfederal, XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Conduent Incorporated
State: VA

Complaint narrative:
I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXX XXXX, Way2Go card-commerica bank, XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CL Holdings LLC
State: FL

Complaint narrative:
I sent the collection agency a debt validation letter and they never responded back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX  and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXXpresent and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXX-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX  and XXXX. I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from XXXXpresent and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

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 2021-07-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Chime Financial Inc
State: VA

Complaint narrative:
I am dealing with identity fraud, tax fraud and identity theft. There is a group of people I would need to be contacted immediately because of the seriousness of the case. My identity is being used all types of ways everywhere different states. Stolen debit cards, money laundering so far out of 5 accounts that I know of so far. Chime bank, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and XXXX I have statements as well. Im dealing with tax fraud as well as Ive requested transcripts back from 2013-present and also student loan accounts through department of education. People are going to school in my name getting financial aid and loans and their are also properties in my name I am unaware of and there are businesses in my name

Company response to consumer: Closed with explanation