vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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 — Reporting company used your report improperly
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX Phoenix Financial Services, LLC XXXX XXXX XXXX XXXX, IN XXXX Via U.S.P.S. Certified Mail/Return Receipt # XXXX Re Alleged Original Creditor : XXXX XXXXXXXX XXXX XXXX Alleged Original Creditor Account number : XXXX Debt collectors Name : Phoenix financial services, LLC Debt collectors account number :XXXX Alleged Debt Amount or Balance : {$210.00} Dear Phoenix financial services , LL I recently received communication from you to collect the above-listed alleged debt. 
Your initial communication to me in attempt to collect the alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney. 

Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX CC : Consumer Financial Protection Bureau via fax and or email @ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NY

Complaint narrative:
On XX/XX/2021 I received a letter from Convergent Outsourcing Inc . This letter stated that I owed a debt of XXXX to XXXX XXXX XXXX. I knew this was not my debt, as I have never had a XXXX XXXX account. I wrote to Convergent Outsourcing Inc. two weeks after receiving the letter informing them this was not my debt. They then responded that they had verified this was my debt, and attached the relevant contract. However, the contract they attached says the account holder is XXXX XXXX, and is clearly signed by one XXXX XXXX XXXX. My name is XXXX XXXX XXXX. XXXX XXXX was my father, who died over three years ago. I do not know how my name became associated with his account, but this is not my debt.

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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
For several years, Ive been getting harassed by XXXX XXXX, in regards to a debt that is incorrect. I have provided proof of payment to my bank, as well as all of the major credit bureaus, in which have ALL sided with me, in the past, & Ive successfully been able to remove the false report from my credit report. Recently, XXXX XXXX has reported to Experian, in which I disputed & provided proof of payment, but Experian is refusing to remove the false report from my credit report. I paid {$940.00} on XX/XX/27 to have the account closed! This included the cost of equipment & any/all termination fees. On XX/XX/27 I was charged an additional {$230.00}, in which was incorrect & unauthorized.

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 status incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX when XXXX Bank received notification ( from XXXX  ) that I had finally been able to afford to pay off two XXXX XXXX  accounts ( sold to Portfolio Recovery ), XXXX took advantage of the notification from XXXX  that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called XXXX, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both XXXX  accounts sold to Portfolio Recovery, XXXX  chose in less than 48 hours of receiving XXXX  delete request and proof both accounts were paid, XXXX  knowingly and intentionally seized the opportunity to incorrectly report back to XXXX  " charge off '' status to XXXX. This was deliberate ; when I immediately called XXXX, the gentleman who answered told me they/XXXX  had not reported to credit reporting agencies since XXXX, on either account. It was only when XXXX  contacted XXXX  and notified them that I had paid both debts , XXXX and XXXX XXXX, it was then and only then that the vultures at XXXX  reported back to XXXX, an incorrect status of charge off. I think I have this XXXX " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like XXXX tries to clean up their credit and XXXX learns of money changed hands, like a shark who smells blood, XXXX then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called XXXX  about the response and change of status to charge off, XXXX  phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to Portfolio Recovery that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for XXXX XXXX to act upon paid status. XXXX  engages in predatory practices and that is why there are over 1,000 complaints with XXXX. I also recognize that because XXXX  has proof that the debt is paid ( to Portfolio Recovery ) and they subsequently removed Portfolio Recovery from my credit, they too could of simply removed-deleted the original XXXX XXXX  negative strikes, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other XXXX account to now be sold to Portfolio Recovery

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 status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX when XXXXXXXX XXXX  received notification ( from Experian ) that I had finally been able to afford to pay off two XXXXXXXX XXXX  accounts ( sold to XXXX XXXX ), XXXX took advantage of the notification from Experian that requested deletion, and reported back a changed status of " charge off '' eventhough they had just been sent proof of PAID accounts for both accounts, XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. When I called XXXX, representative stated that " they had to report something '' i.e., instead of honoring/accepting the proof of payment for both XXXX accounts sold to XXXX XXXX XXXX chose in less than 48 hours of receiving Experian delete request and proof both accounts were paid, XXXX knowingly and intentionally seized the opportunity to incorrectly report back to Experian " charge off '' status to Experian. This was deliberate ; when I immediately called XXXX, the gentleman who answered told me they/XXXX had not reported to credit reporting agencies since XXXX, on either account. It was only when Experian contacted XXXX and notified them that I had paid both debts XXXX XXXX and XXXX XXXX, it was then and only then that the vultures at XXXX reported back to Experian, an incorrect status of charge off. I think I have this XXXX " hustle '' figured out. Unbenounst to a consumer who is ignorant to predatory companies like XXXX tries to clean up their credit and XXXX learns of money changed hands, like a shark who smells blood, XXXX then uses that paid awareness to hijack accounts into the incorrect status of charge off, creating opportunity for selling more debt, etc. This was completely deliberate and a reaction to paid status notification, because when I called XXXX about the response and change of status to charge off, XXXX phone agent admitted that had not even reported on either of the 2 accounts since XXXX so clearly, it was notification of PAID status to XXXX XXXX that " set off '' this status change ; therefore, there is clearly a reaction/ agenda for XXXX XXXX to act upon paid status. XXXX engages in predatory practices and that is why there are over XXXX complaints with XXXX I also recognize that because Experian has proof that the debt is paid ( to XXXX XXXX ) and they subsequently removed XXXX XXXX from my credit, they too could of simply removed-deleted the original XXXXXXXX XXXX negative strikes, XXXX XXXX and XXXXXXXX XXXX XXXX XXXX XXXX, but they didn't. This is a consumer scam to collaborate and facilitate money making in this credit industry. I fully expect one other XXXX account to now be sold to XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 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 — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This information with EXPERIAN keeps putting items bac into my report that has already came off XXXX XXXX XXXX XXXX ( XXXXXXXX ) XXXX XXXX XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX THESE ALREADY CAME OFF MY 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 explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: General Motors Financial Company, Inc.
State: NV

Complaint narrative:
I leased a new car on XX/XX/XXXX from XXXX XXXX. The lease was financed through GM Financial. I wanted to sell my car to XXXX and received an offer for {$20000.00}. When I tried to finalize the deal with XXXX on XX/XX/XXXX, I received an email from XXXX stating that they " are prevented from being able to purchase leased vehicles from this provider ''. They listed a total of 10 providers that they could not purchase leased vehicles from. In further research, I found that GM Financial issued a new policy effective XX/XX/XXXX stating that no GM Financial leased vehicle could be traded in or sold to any other financial entity other than GM Financial. In other words, they restricted me from trading or selling my vehicle to XXXX, XXXX, or any other dealer that did not fall under the GM financial umbrella. That is stated nowhere in the lease and is just an abrupt change of policy to allow GM Financial to obtain the gain that has occurred on the lease due to the rise in Used Car Prices over the past year. It is an unusual situation that has provided much more equity in the leases than usually occur over the life of the lease. It is a complete money grab that disallows the lessee from being able to obtain those funds and prevents the lessee from the freedom of where and to whom they can sell their car. Past precedent has always been that a lessee could trade in or sell their car anywhere they chose and this practice has been going on for years. When I obtained the lease, this restriction was never explained or disclosed to me and was not in effect at that time. This abrupt change in GM Financial 's policy is unfair, egregious, and limits my ability to trade in or sell my car when and where I want to. It is my opinion that they do not have the authority to prevent me from trading in or selling my car. Their only concern should be that they receive the full amount of payments due on the lease so that they are made whole as outlined in the terms of the lease agreement. That is no different whether it is a loan or a lease as both transaction result in a lien notice on the Title. In this instance, XXXX and any other dealer that I try to work with to trade in or sell my car will NOT be able to complete the transaction because GM Financial ( and the other financial entities listed in the XXXX email ) will NOT provide the Payout amount to the dealer and thus will NOT allow the car to be traded in or sold.

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 with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
on XX/XX/XXXX my online Navy Federal bank account was compromised through a trojan virus where several fraudulent activities were made on my account. 

First I have two credit cards with this bank that you can manage through the online banking cash advances were made on both cards one for XXXX and another for XXXX these were both transferred to my checking account where a XXXX ach transaction was made taking a addition XXXX dollars from my checking account. 

I immediately contacted the bank the same day where they reported them as fraud and tried to put a hold on the ach transaction, this hold did not go through and the funds were transferred. I found the virus most likely responsible which is known to steal financial information and is able to install remote access on the infected pc. Weeks later they contacted me and told me that my claim was denied. I sent a appeal which I was never contacted for and they said it could take months to get a decision on. I recently called to learn I was again denied

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
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 — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
I closed my XXXXXXXX XXXX account after paying off my wife 's wedding ring. That closure of the account was in XX/XX/2017. In the last 2 years XXXX has constantly been charging my account and telling me I made a purchase of a necklace. This is fraudulent. The account was closed, yet they keep upping the balance every month and destroying the credit that I worked very hard to build. At this point they are reporting {$1900.00} which was not ever used by me as I had closed that account. That have even shown on my credit report that I had been making payments from XXXX on nothing at all.This is also fraud. Each time I dispute this on my credit it gets removed, only for them to do it again. This is ruining my credit day by day and needs to be removed once and for all.

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: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have or had a credit card from Macy. Which was at XXXX balance. I had problems in the past about some one charging on the card. The card was supposed to be locked. I did not get any information about a balance. I checked the account for some reason and saw that there was a balance on the card. When I contact their customer service. They remove the balance because of their error. I asked to close the account because this was a frequent occurrence. Now I find out that Macy credit card. Has filed delinquent charges on my credit report. I feel that they did this because I didnt want to continue business with them. I am requesting to have the negative report from 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 explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I TD Bank Operations Center XXXX XXXXXXXX XXXX, ME XXXX Re : Mortgage Dispute XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Loan # XXXX I have had my mortgage since XXXX and never had a late payment. I made a payment on XX/XX/XXXX in the amount of {$1100.00}. In XXXX my payment was adjusted as well as the interest rate. I received a letter on XX/XX/XXXX saying my payment was 30 days late. After numerous phone calls I was told that I was notified in XXXX that my monthly payment was going to change due to adjustments in escrow. I never received such letter. As far as I knew my payment was the same since the beginning of the year. 

My payment apparently went to {$1100.00}. As soon as I was told this was a problem I paid TD bank {$35.00} to make up the difference of approximately {$29.00}. I then paid my XXXX payment of {$1100.00}. 

Again, I was unaware of the change in payment which is less than {$30.00}. Again, I was not 30 days late of making the payment but {$30.00} short. 

My credit score has dropped from the XXXX to the XXXX because of {$30.00}. Again, I have never been late. I was shocked when I found out what happened to my credit. It has taken me a long time to achieve that score. I am XXXX years old and for {$30.00} my credit will be ruined until I am XXXX years old. Not only has this been a difficult year due to Covid and both my husband and I were out of work for many months and my husband is still only working part time yet we still made our payments. 

I really believe that this minor error should be removed given my past payment history and my credit report looks like I totally missed a months payment. That is not what I call fair credit reporting. 

I am enclosing the following documents for your review : 1. Annual Escrow Statement dated XX/XX/XXXX ( New payment {$1100.00} ) 2. Interest rate change XX/XX/XXXX 3. Letter from TD Bank XX/XX/XXXX 4. Copies of TD Bank payments XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 5. Email to TD Ombudsman XX/XX/XXXX 6. Damage to my credit score dropped from XXXX to XXXX 7. TD Banks missed 30 day payment on credit report I sincerely hope that for the minor error in a payment of less than {$30.00} I should not have my credit ruined for years. I am been a customer of this bank for years and this was the first time there was such an error. 

Please advise at your earliest convenience. 

Sincerely, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I voluntarily turned my car over on XX/XX/XXXX after several requests for assistance that were denied. Santander Consumer USA holds the title to the car ( XXXX XXXX XXXX ). I have informed them 3 times via phone that I turned the car in to XXXX XXXX in XXXX, TX. The most recent call was made sometime in XX/XX/XXXX. At that time, the discussion with the company 's representation revealed that their records had not been accurately updated and was inconsistent with the details that I had provided during previous conversations. 

Santander Consumer USA continues to call me ( it is now XX/XX/XXXX ) and leave messages despite my efforts. I view this as harassment. I had done everything within my power to abide by the contract with Santander, was denied assistance in the form of contract renegotiation, and when I was no longer able to maintain the debt, I relinquished the vehicle and informed the company of the vehicles location at the time I turned the keys over to the dealership. 

Through some research I found that the company had agreed to a {$550.00} XXXX settlement - " Santander Consumer USA, one of the largest subprime auto lenders, agreed to a {$550.00} XXXX settlement 'with nearly three dozen states to settle charges of predatory auto lending to low-income and subprime borrowers, ' the Wall Street Journal reported. ... 'The settlement includes {$65.00} XXXX of restitution for consumers.May XXXX, XXXX '' Santander knowingly exposed borrowers to unnecessary risk and placed them into loans with a high probability of default, said Illinois attorney general XXXX XXXX , who led the coalition, the Financial Times reported. 

I hope that this information is helpful to anyone who may presently be dealing with Santander Consumer USA and that more people will be alerted to the company 's indifference to the best interest of their consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
On Thursday, XX/XX/XXXX, I spoke by phone with XXXX of the CFPB, employee ID XXXX. She gave me the number for HUD, where I spoke with XXXX who initiated a three-way call with Mr. Cooper where we spoke with XXXX who refused to give an ID number, location or her position. The call did not resolve the issue, but XXXX did acknowledge that I am not in arrears and never have been. I have never missed a payment. 
XXXX claimed that Mr. Cooper is " required by Washington state law '' to send me " pre-foreclosure information. '' This is a lie. There is no such law and I am not in arrears. 
XXXX did not resolve the issue. The most she would offer is to " look into the issue. '' She claimed not to be aware that pre-foreclosure papers had been sent over the course of many months. I do not believe her. 
And if it is true that Mr. Cooper/Nationstar doesn't know that these threatening documents are being to us, then Mr. Cooper is NOT monitoring its compliance with the XX/XX/XXXX settlement agreement reached between CFPB, Washington state and Nationstar/Mr. Cooper. 
Mr. Cooper 's harassment has caused me serious XXXX XXXX XXXX  harm. I and my husband are elderly, and have grave health problems - exacerbated by the continual foreclosure threats over a period of years. 
I am filing with Washington state a complaint of elder financial abuse ; for this is what we are experiencing. 
I need the CFPB 's assistance to shut down this continuing fraud by Mr. Cooper/Nationstar. 
Please help. I have attached some of the most recent documents, but have many more in my files dating back to when this problem first began ten years ago.

Company response to consumer: Closed with explanation