vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
Date was XX/XX/2023 I was called by- phone number XXXX - mortgage loan Servicing- mr cooper stating they would raise my escrow mortgage payment by almost XXXX XXXXXXXX XXXX because they stated they had to place forced placed home owners insurance on my mortgage. My premium is now {$4200.00XXXX XXXX XXXX XXXX XXXX Policy : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Annual Amount : {$4200.00} There website was down for an extended period of time in XXXX and XXXX of XXXX so I had to mail my mortgage payment to them. 

As I write this there website just went down again " error ( XXXX ) ''. 

My payment was {$970.00} and now they 'mrcooper tells me it will be {$1500.00} plus dollars but again there website is not working properly, it took them over a year to dispense my first insurance check which is why I was unable to complete the necessary repairs on My home and therefore unable to purchase a new home insurance policy in which they then " force place insurance '' on me. I have yet to receive the full insurance payout they owe me as they only paid sixty-five percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Healthcare Management, LLC
State: WI

Complaint narrative:
For well over a month now after we filed XXXX XXXX  bankruptcy out of the blue we keep receiving calls & messages but when Ive called many times now they know Ive filed bankruptcy & it has been discharged!!! They keep calling all month of XX/XX/2023 & now XX/XX/XXXX tXXXX XXXX I want it to stop AR Services phone number XXXX when I ask what I owe they dont have a account for me???

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
Starting XX/XX/2022 I began written correspondence via e-mail, later phone calls, with the store manager of my local TD Bank branch that later included regional and operations managers about a number of matters including : acceptance of assignment as successor agent under DPOA ; access to copies of the banks records, transactions, history of correspondence and telephone notes, and profiles for my accounts and those for which I have responsibility as agent under DPOA for my elderly mother and necessary for the estate administration of deceased relatives. 

The bank has repeatedly refused to supply written documentation of these items and supplies no ability to report activity related to fraud or possible identity misuse except verbally over the phone. 

The bank supplies no written confirmation of discussions, actions to be taken, or those taken. Information supplied verbally over the phone is often incomplete, incorrect, or contradictory to previous statements and information on the Banks own website. For example, yesterday, the Banks customer service department reported a invalid phone number associated with one of the accounts, but the fraud department ( to whom I was transferred on the same call ) reported no record of that phone number. 

The reason for yesterday call is that transactions shown on the on-line portal have lines that end with the XXXX language symbol for XXXX XXXX. The TD Bank fraud department acknowledged this as a comprise of the accounts, and initiated a lock down of the accounts and profiles, but stated that their processes do not provide for supply of written confirmation of actions taken, time lines, or instructions for me to follow at my end to reestablish new accounts, profiles, user names, passwords or keypad PINs, or to confirm the accuracy of the report in the Banks records. They admitted that they, and the local branch, were on different systems and could not always see the same information about my accounts and profiles. 

The complete e-mail chain is available but contains personally identifiable information so I am not supplying it at this time. 

Contacts at TD Bank NA, XXXX, NH involved in these communications include : XXXX XXXX, XXXX, VP Store Manager, XXXX NH XXXX XXXX, XXXX, Regional Retail Office Manager XXXX XXXX, XXXX, VP and Regional Operations Manager TD Bank Fraud Department : XXXX XXXX XXXX TD Bank Customer Service Department : XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: MOHELA
State: CA

Complaint narrative:
My loan was Forgiven effective XX/XX/XXXX, I received the confirmation letter on XX/XX/XXXX. The letter states that the credit bureaus would be notified by the end of the month and my status updated. I followed up with Mohela in XXXX because I did not see a change on my credit report the next month and was told on the first initial to send the credit bureaus the letter I received and to dispute the item, but that they had reported on the XXXX of that month and I should see the change in XXXX, I did this and the credit report investigated and said that Mohela had confirmed that the account was still open and owed and did not remove it from my credit report. I contacted Mohela again and was subsequently told it takes sixty days from the time the loan was forgiven to be removed from the credit report and that it should be reported at the end of XXXX and I should see an update to my credit score in early XXXX, when XXXX came and there was still no update to my credit report I contacted Mohela again and was subsequently told that it takes 90 days from the date of the letter for them to update my credit report and that since my letter was dated XX/XX/XXXX that XX/XX/XXXX would constitute 90 days and that after that If I had not seen a change to my credit report by the beginning of XXXX I could contact model and that is when they would have to take action. When XXXX rolled around and there was still no change in My credit report, I contacted Mohela again and this time was told that all the prior information I had received again was incorrect and that it takes 90 business days for them to report the status to the credit bureaus. I have been given incorrect and false information every step of the way and it seems they keep changing the timeframe based on rules that I am not made privy to. However what I do know is that before my loan was forgiven it was reported accurately every month on the last day of the month like clockwork, yet for whatever reason now they are unable to report it for 4 months going on five and according to their new calculation 6 months, which seems unnecessarily long to manufacture an update that has been confirmed with several letters and clear statement showing I have a XXXX balance. I am complaining about the lack of valid information I have received, the inability of the servicer to practice due diligence and the long timeframe that basically is negating everything having a loan paid off should do, because if they are not updating it with the credit bureaus it still looks like I am carrying that debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Synovus Bank
State: FL

Complaint narrative:
I pay my balance off well before the due date every month via phone because it is the fastest and I save {$10.00} processing fee they charge. 
On XX/XX/XXXX  at XXXX I paid full balance {$190.00} via my checking account. Confirmation # XXXX it was taken out of my XXXX XXXX XXXX account at XXXX on XX/XX/, transaction # XXXX. 
As of today XX/XX/23 XXXX First Progress has not updated my account or made those funds available. Why do they need to hold these funds. They have cleared, in their possession and have no previous incidents of non payment etc to be punitive. I was those funds available asap and to be reported as a positive full balance payoff to the 3 credit report agencies immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to formally dispute several items on my credit report that I believe were reported in violation of 15 U.S. Code 1692j, which prohibits " furnishing certain deceptive forms ''. I'd like to bring your attention to the case XXXX XXXX Trans Union XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), where the court held that credit reporting agencies must avoid reporting information in a manner that creates a materially misleading impression. 
Given the precedent set by this case, I kindly request the removal of these accounts from my credit report or its update to reflect a neutral or positive status. Doing so would ensure that my credit report is a fair and accurate representation of my credit history. Below are the refenced accounts that need to be updated to reflect positive and or removed from my credit report. Specifically, the following items on my report are disputed acct listed in document.

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 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I sent over a dispute letter asking for accounts to be removed from my credit report under 15 US 1681b, I never gave consent for any accounts to be reported. It has been well over 30 DAYS and I still haven't gotten any results. The code is posted below.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX, and Federal Trade Commission.

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
My credit card application was denied by Chase because I was an existing Southwest Chase credit card holder. However, I had cancelled my existing Southwest Chase credit card prior to the application. I was told by multiple Chase representatives that their internal policy requires that a card be closed at least 30 days prior to reapplying. This is not disclosed in their application terms. Their application terms only say that an applicant can not apply if they are an existing card holder. 

I was applying for the new card as part of a point promotion being offered by Southwest Airlines, which would allow me to get XXXX points and a Companion Pass for up to two years. These items together are valued at over {$10000.00}. Had Chase disclosed that a card needed to be cancelled for 30 days prior to reapplying, I would have cancelled my card earlier. Their lack of disclosure resulted in a financial loss for me. 

Since this was not disclosed in the application terms, Chase is providing false reasons for credit denial to consumers. My denial reason was that I was an existing card holder ; however, Chase 's representatives also acknowledge that I cancelled my card prior to my application. Therefore, their denial reason is false and Chase is denying credit to Consumers ( I am sure there are many others like me ) based on false pretenses. They are not properly disclosing eligibility requirements within their application terms. 

Because of their inadequate application disclosures and false denial reasons, I am significantly financially impacted. I would ask that Chase be required to reimburse me and others that have been impacted by their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Lendmark Financial Services
State: CA

Complaint narrative:
This is a fraudulent account that was opened some time ago using my personal information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I recently checked my credit report and noticed that there were unauthorized accounts being reported as debt to my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I recently checked my credit report and noticed that there were unauthorized accounts being reported as debt to my credit.

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 2023-12-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: FL

Complaint narrative:
An account was made that I didnt apply for that goes by the name of Netcredut was opened for a loan of $ XXXX and something and has been charging me {$100.00} every two weeks for it and have been getting money withdrawn from my bank account

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Company is refusing to honor my dispute and i feel like they are not complying with the FCRA 15 usc 1681a, 1681b, 1681i and 1681s

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 2023-12-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2023 My TD Bank card was compromised by a third party account. I tried several times to resolve this issue and have been unsuccessful in getting a proper investigation. I desperately need your help {$2600.00} has been charged on my account and the bank continues to charge me interest & charges. PLEASE HELP!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: TX

Complaint narrative:
My auto-debit for my student loans is supposed to come out of my savings account every month starting XX/XX/2023. XX/XX/2023 my first auto debit is withdrawn in the amount of {$200.00} and is not drawn again for XXXX or XXXX. I find out the company has put my account on administrative forbearance without my permission. I contact the company several times via call and message and never hear back via message regarding putting my payments back to normal. I messaged them on XX/XX/XXXX, XXXX, XXXX, and XXXX. I also message them on XX/XX/XXXX again as well. The first time I call I wait on hold for XXXX hours and when it is time to speak to someone they tell me they have fixed my account and are going to check some info on why it happened. They then accidentally hang up on me and nobody contacts me even though they took my number to call me back incase I get disconnected. This was around the beginning of XXXX. I wait XXXX days because that's how long the girl said it would take to fix my account. It was still not fixed so I reached out again via phone in XXXX and am told I need to wait until XX/XX/XXXX and then my payments will process. I also asked why I was randomly charged {$11.00} and had another random charge scheduled for XX/XX/XXXX for {$22.00}. The customer service agent says those are mistakes and he will take them off my account and that by XX/XX/2023 all should be fine on my account and the random charges should be gone and my auto debit should work again. He lets me know everyone 's account is messed up and that the system is trying to fix itself. I inform him that I am still being charged interest while these payments are not processing and he pretty much just says to wait until XX/XX/XXXX and everything should be fixed. Of course comes XX/XX/XXXX and it is not fixed and I reach out via message and call. I explain my situation to the girl on the line and she says she will transfer me to a manager. It has now been an hour and a half and I am still waiting on the " manager '' I was transferred to to pick up the phone. All I want to do is pay what I owe on my student loans and it should not be this hard to make that happen. This company is canceling peoples payments without their permission and then not letting me take my account off forbearance and allowing me to make payments so I don't fall further behind on interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
In accordance with the FCRA, I am not liable for these debts. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXXXXXX XXXX XXXX XXXX  ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX # XXXX ) has all violated my rights. 
15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information, other than records of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Also, I have not supplied proof under the doctrines of estoppel by silence, Engelhardt v. Gravens ( MO ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists or is verifiable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the FCRA, I am not liable for these debts. The list of accounts below has violated my federally protected consumer right to privacy and confidentiality under 15 USC 1681. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( TN CHILD SUP # XXXX ) ( TN CHILD SUP # XXXX ) ( XXXX XXXX XXXXXXXX ) ( XXXX XXXX XXXX XXXXXXXX ) has all violated my rights.

15 USC 1681 section 602 A. states I have the rights to privacy.

15 USC 1681 section 604 A. section 2 : It also states a consumer reporting agency can not furnish an account without any written instructions.

15 USC 1681 c. ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following
items of information, any other adverse item of information, other than records of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Also, I have not supplied proof under the doctrines of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, I presume that no proof of the alleged debt, nor therefore any such debt, in fact exists or is verifiable.

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