vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: LJ Ross Associates
State: FL

Complaint narrative:
XXXX XXXX L J ROSS ASSOCIATES IN XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious L J ROSS ASSOCIATES IN XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/198XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: GA

Complaint narrative:
again attempted to make the payment of {$5600.00} and I was advised that the account is in active foreclosure. I called XXXX and was advised that they could not take my payment. Then I spoke with XXXX the Paralegal at XXXX XXXX ( my bankruptcyattorney ), who advised that Fay could accept {$5600.00}. 
When I called Fay Servicing, due to updates in their system, I was advised that they were unable to accept my payment last week, and that I needed to call back. 

Today, the representative stated that this was done on active foreclosure was processed on XX/XX/2023. I was told that a payoff quote request was needed. The quote was ordered. 

I was told that I would need to wire the funds or send via mail after the quote is received. This adds additional attorney fees and costs- unfairly. 

This is horrible! Is there anything else that we can do? 

I am prepared to pay the {$5600.00} without any additional attorney fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: KS

Complaint narrative:
I submitted two payments to Synchrony Bank ( Lowe 's ) for the XX/XX/2023 due date. One was an automatic payment of {$200.00} and the other was an additional {$2000.00} to payoff the non-promotional balance. My account election on the Lowe 's portal dictates that any payment goes to the minimum payment first, then non-promotional balances, and finally promotional balances. Synchrony Bank honored the payment allocation on the automatic {$200.00} payment, but split the {$2000.00} payment equally between non-promotional and promotional balances resulting in additional interest charges of {$60.00} and {$50.00} in XXXX and XXXX statements. 

I submitted a request to correct my payment twice, waited a few weeks for resolution, and later learned they would not correct it, resulting in the second month of additional interest expense.

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 2023-03-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX  account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX ) account name : XXXX XXXX XXXX also known XXXX XXXXXXXX XXXX account # XXXX 15 U.S.C 1681 section 602 A. states i have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency my make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumers to any consumer reporting agency if the person known or has reasonable cause to believe that the information is inaccurate.

remove all accounts that are closed but still keep popping up account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account XXXX XXXX XXXX XXXXXXXX account XXXX XXXX XXXX XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX account # XXXX remove all accounts from this report that are closed but still keep popping up due to fraud

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 2023-03-30 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: MD

Complaint narrative:
An individual fraudulently opened a XXXX XXXX XXXX credit card under my identity using a different address. The balance on the fraudulent account has now reached {$33000.00} with a charge off status, causing my credit score to drop by over 200 points and completely ruining my previously impeccable credit history. Despite my efforts to have this fraudulent account removed from my credit report, my requests for justice have been ignored by XXXX and Transunion. I sent certified mails to the credit bureaus, but did not receive any response. There's no evidence of investigation. This fraudulent account still stays on my credit report as I am submitting this report. 

I activated a fraud alert on my credit files, filed an identity theft report on the Federal Trade Commission website, and also filed a police report with the local police department. This is my first time dealing with identity theft and I never thought that removing fraudulent accounts would be such a difficult process for the victim. It's important that we address this serious issue, as many people 's lives are being destroyed by a system that doesn't seem to be working in their favor.

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 2023-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The Annual Credit Report phone number 's phone tree and voice recognition system at the number they direct you to ( XXXX ) is so atrocious that I am not sure if they are even abiding by basic federal regulations to ensure that Americans can properly rectify issues with accessing their credit reports through the website. I repeatedly called this number and had the system misunderstand what I was saying each time. I do not even have a strong accent and have completed all of my education in the United States from daycare through law school. I am not sure how anyone with the slightest accent can use their telephone system. 
The system then ends up hanging up on you rather than directing you to an agent if you keep designating that it is misunderstanding you. This might even be deliberate so they can attest to the Federal Government that they are providing a phone option while programming it so horribly that no one can actually use it. 
On XX/XX/2023 I went on annualcreditreport.com to access my credit reports. I successfully was able to pull my XXXX and XXXX credit reports. However, I received an error message when attempting to pull my TransUnion report. It then directed me to either submit my request through the mail or call the number. 
I am still unable to access my TransUnion report because the phone system does not work.

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I first learned my ID was stolen on XX/XX/2023 when I found out there was an electronic withdrawal from my checking account to fund an XXXX account. I immediately contacted my bank and XXXX. I requested my bank to close the checking account and notified them the withdrawal was not authorized my me and it could be a fraud. I also spoke with XXXX and they were able to close the account and no money was transferred. I then received calls from XXXX XXXX XXXX and XXXX about some unusual activities ( some {$4000.00} purchases were made with some new accounts ) and asked to verify. I told them that these are fraudulent accounts opened without my knowledge and consent. They took the action to deny these charges and closed the accounts. A few days later I noticed in my credit report there was a charge of {$330.00} came under Barclays Bank Old Navy credit card which is fraudulent. I contacted Barclays Bank and notified them in writing the account was not authorized by me and they started an investigation. A couple of weeks later they sent a letter and said they completed the investigation and the account is valid. I then received a bill from Barclays Bank charging {$330.00} plus {$37.00} late fees.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: PA

Complaint narrative:
I believe Mohela has mishandled my student loans and my eligibility for the Public Service Loan Forgiveness Program. They have erroneously denied and/or processed my PSLF application incorrectly. 
Mohela did not process my PSLF application for my current employer. They are closing it as a duplicate or canceling it. There isnt a duplicate or at least an approved XXXX so this pushes the processing time even further due to their mistake. I have attached a copy of my application below. The identifying information has been redacted for my security but was present when faxed to Mohela.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

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 2023-03-30 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:
Back in XXXX  I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX XXXX. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all 3 of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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:
Back in XXXX  I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX XXXX. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all XXXX of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.

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 2023-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
Fifth third bank offer overdraft protection for 24hr to cover you overdraft without charge for 24hr that why I sign up, now been charge a lot of money for those charges, they even trnfer money from my other account to cover overdraft without my consent they stole from me around XXXX dollars now nobody can help me solve this situation they are scammers they offer something they get you money without hesitation

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Incorrect information on your report — Account status incorrect
Company: Freedom Mortgage Company
State: WA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX I checked my credit report and noticed that there were late payments reporting on my credit from my mortgage company, I noticed they were inaccurate because it was during the covid payment deferment, so no payments were due. I sent a dispute to the mortgage company and the credit bureaus, they wrote back and removed SOME of the late payments, but not ALL of the late payments. They admitted they reported in error and admitted to breaking the law, but they still kept some of the inaccuracies on my credit report. Just today, I checked my credit again and they added a NEW 180 day late payment to my credit report which dropped my scores significantly. I'd like to request that the mortgage company remove all of the inaccurate late payments from my credit report and stop trying to ruin my credit over blatantly inaccurate items reporting.I have been enrolled on 2 forbearance from XXXX XXXX XX/XX/XXXX. Once the forbearance plan was over on the 1st one, I was in review for a loan modification with kept my mortgage current. The review was complete and enrolled me into a special forbearance plan from XX/XX/XXXX XXXX. The entire time I was current o. Mortgage. I spoke with Freedom mortgage and they realized that they made a mistake and notated that on my fie. They told me to go through the dispute process to have the items removed

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 2023-03-30 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: EQUIFAX, INC.
State: TN

Complaint narrative:
Re : Reporting Unauthorized Credit Inquiry To whom this may concern, I am writing to request the removal of unauthorized credit inquiries on my Equifax credit report. My latest credit report shows 20 credit inquiries that I did not authorize. 
I am writing to dispute the following inquiries and ask for their removal from my credit report. 
XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX - XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX EQUIFAX MORTGAGE SERXX/XX/XXXX EQUIFAX MORTGAGE SOLXX/XX/XXXX XXXX XXXX - XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX  - XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XXXX # XXXXXX/XX/XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Please have these unapproved inquiries removed from my credit report within 30 days, as it is harming my ability to obtain new credit. I would appreciate a copy of my credit report once this issue is resolved. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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:
Back in XXXX  I disputed an account that was fraudulently made under my personal information WITHOUT MY CONSENT, the company was XXXX XXXX XXXX BANK. I reached out to them and notified them that I am a victim of identity fraud and that I was not in fact the owner of the account and the account was made without my permission without my consent... I reported this issue to the credit bureaus as well and provided them with documentation. I asked the credit bureaus and the CREDITOR to provide me with details and proof showing that it was me that created the account and they were unable to provide me with anything with my wet signature on it nor were they able to provide me anything proving that was me. PER 15 USC 1681B " the person who procures the consumer report on the consumer for employment purposes shall provide to the consumer, by oral, written, or electronic means, notice that a consumer report may be obtained for employment purposes, and a summary of the consumer 's rights under section 1681m ( a ) ( 3 ) 1 of this title ; '' THEREFORE, The account must be removed, blocked, and never to report on all XXXX  of my accounts ever again. This issue has been hard, it has blocked me from receiving credit, getting a house, and just has been stressful towards my life due to me having my identity stolen from me.

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 2023-03-30 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: GA

Complaint narrative:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. These accounts has been reporting inaccurately. I wanted to dispute these because of this and it was affecting my credit report.

Company response to consumer: Closed with explanation