vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: GUARANTEED RATE INC.
State: GA

Complaint narrative:
Certified Tracking Receipt XX/XX/2021 XXXX PM ( a day ago ) Topic : Regular Payment To : Customer Service I have mailed proof of payment to : XXXX MXXXX XXXX, XXXX XXXX XXXX XXXX, Illinois, XXXX Tracking number : XXXX I emailed proof to XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX XXXX. 

My mortgage loan payments are up to date. 
XX/XX/2021 XXXX PM ( a day ago ) Topic : Delinquent Payment To : Customer Service This is the information concerning my XXXX XX/XX/2021 payment : AccountNum : XXXX Amount : XXXX CheckNum : XXXX XXXX : XXXX Routing : XXXX DatePosted : XXXX Please be advise I will be making a compliant to the Veteran Administration over the handling of this process. XXXX XXXX XXXX, XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I refinanced my old mortgage with Wells Fargo with XXXX in XX/XX/XXXX. 

The closing was on XX/XX/XXXX. The payoff amount of approx. $ XXXX was supposed to be sent to Wells Fargo by XXXX on XX/XX/XXXX. 

Something failed with XXXX and their Title company XXXX. The payoff was only sent on XX/XX/XXXX, and received by Wells Fargo at XXXXXXXX XXXX CST, after the cutoff period required by Wells Fargo for same date value. 

Therefore Wells Fargo continued to charge me interest on the mortgage through XX/XX/XXXX and only posted the payoff on XX/XX/XXXX. 

At the same time, XXXX also charged me mortgage interest for the period of 7 days from XX/XX/XXXX through XX/XX/XXXX. 

Essentially, I paid mortgage interest to 2 banks, for an overlapping period of 7 days for the same property due to failure of XXXX to timely wire payoff funds. 

Despite repeated outreach to XXXX, they persist in denying any accountability for the delay and only compensated me for 1 day of interest, of the total period of 7 days. 

Wells Fargo contends that their payoff statement to XXXX required receipt of funds before XXXX XXXX CST for same day value. 

Due to this, I am caught between two large organizations, each denying any accountability. I request CFPB to please investigate and require one of the banks to make me whole for the overlapping mortgage interest period from XXXX XXXX-XXXX XXXX, both days inclusive.

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 2021-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Throughout the time frame of XX/XX/XXXX to the present day XX/XX/XXXX, PENN CREDIT CORPORATION has repeatedly FAILED to validate the alleged debt ( s ) of {$600.00} and {$200.00}. Let it be known that I HAVE NEVER RECEIVED ANY SERVICES FROM PENN CREDIT CORPORATION ON ANY DAY AT ANY TIME FOR ANY REASON and I XXXX the living man have disputed the debt ( s ) and allowed PENN CREDIT CORP appropriate time to show evidence of this debt to be valid, but PENN CREDIT CORPORATION has FAILED to provide the requested Competent evidence of debt validation despite my repeated requests. I spatcher ; XXXX sent three ( 3 ) letters requesting validation of the alleged debt to PENN CREDIT CORPORATION evidenced by Certified Mail Numbers XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. My investigation was pursuant to the Generally Accepted Accounting Principles G.A.A.P., International Financial Reporting Standards IFRS, Basel III, the United Nations Commission on International Trade Law U.N.C.I.T.R.A.L. CONVENTION, the Fair Credit Reporting Act " FCRA '' and the Fair Debt Collections Practices Act " FCDPA ''. In my letters requesting competent evidence of debt validation pursuant to the Laws above, I stated " As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does NOT constitute verification ''. Instead of sending the requested evidence, PENN CREDIT CORPORATION sent me a copy of " BILLING STATEMENTS ''. Despite the fact that PENN CREDIT CORPORATION has failed to validate the alleged debt after over 150 days, THEY REFUSE TO REMOVE THEIR TRADELINE FROM MY CREDIT REPORT. PLEASE HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CALM, Inc.
State: WI

Complaint narrative:
My complaint pertains to predatory auto-renewal subscription business models that many companies have adopted ( both specifically and generally ) this day and age. Specifically, the Calm app claims that it's a free app, and I must have downloaded it for free about a year ago, because I recently noticed a charge of {$59.00} from the company in my XXXX account. Most importantly, I did not authorize this payment. XXXX advised me to report it as fraud ( which I did ), and then they reissued me a new credit card. 

But lo and behold, the charge reappeared in my account after XXXX reported it. After calling XXXX about the resurrected charge, I was told that the dispute had been closed and there was nothing they could do about it on their end. I then contacted Calm and am still trying to convince them ( through XXXX ) to reimburse me for the {$59.00} annual renewal that I did not authorize. I have not used the Calm app at all and don't feel like I should be charged for a service that I do not want access to for another 12 months. 

Generally, companies should NOT be allowed to automatically renew their services without the permission of their customers. This is unethical and reinforces the digital scam culture, as many consumers can not keep track of which subscriptions they have and when these subscriptions officially end. Further, consumers do NOT read the fine print and should not be expected to. It's a poorly written piece of communication - a lengthy statement that the layperson can not read thoroughly, not to mention how difficult it would be to remember what is specifically mentioned when one must accept the terms. Companies need to stop preying on the faulty memories of their customers. Stop stealing our money without asking us to authorize another day, month, or year of a service first.

Company response to consumer: Untimely response
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
On XX/XX/XXXX I called Synchrony Bank for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call XXXX XXXX XXXX and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. In XX/XX/XXXX XXXX XXXX XXXX attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, XXXX XXXX XXXX has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. XXXX XXXX XXXX continue to tell the credit bureaus this is a valid debt, which it is not.

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 2021-01-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
After 11 years of litigation, 3 bankruptcy actions ( two Ch.XXXX  's and a Ch. XXXX ) against Wells Fargo Bank, N.A., Wells obtained a judgment in foreclosure using the FALSELY ALLEGED HOLDER " XXXX XXXX, XXXX, as Trustee for Wells Fargo XXXX XXXX XXXX XXXX XXXX XXXX ''. The note was held by " Wells Fargo XXXX XXXX XXXX ''. Wells was Trustee and would have been subject to our counterclaims for fraud, but they used a different " trust '' to foreclose to avoid lender liability. 
Foreclosure judgment obtained in XXXX XXXX XXXX XXXX XXXX, WI ) after they bribed a judge with a {$120000.00} mortgage " reduction '' by " MERS '' letter only back in XXXX. I have proof of that bribe. 
XXXX  ( XXXX XXXX ) sold to XXXX XXXX XXXX, who contacted me in XX/XX/XXXXseeking to collect monies for " escrow shortgage ''. I sent a QWR, timely, and it was ignored. 
We are now in receipt of a 1099-A for the XXXX tax year for the foreclosed property which was quit-claim deeded to the lender in late XXXX to avoid any liability from the XXXX FORECLOSURE property left to rot and deteriorate. Wells Fargo and XXXX are engaged in a racketeering enterprise to harm past customers/borrowers/victims of foreclosure fraud. Debt discharged in XXXX. THERE IS NO 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 2021-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
XX/XX/XXXX : I went to XXXX 's and a secretary incorrectly filled out my insurance paperwork, when I had VA healthcare that had already paid for the situation I was there for ( XXXX from a previous VA XXXX coming undone ). 
XX/XX/XXXX : I then recieved ONE letter from Wakefield & Associates 5 months later, informing me of a 5 % interest rate price increase? I submitted a dispute through their website, and YEARS have gone by. I thought it was safe to assume the issue was resolved, considering this group hadn't made contact ; apparently it wasn't. 
XX/XX/XXXX : I noticed a new & backdated negative impact on my credit scores, which I removed within 3 hours, by submitting all the viable documentation I hold. I'm being charged a hidden made-up, ridiculously high interest rate, by this group, on something that was already paid for, and forged in my name. 
I am recieving no notices of the charges or any price increases, if any. A simple formula can help show people what they currently owe, yet their website is showing only a stationary number? Blatantly false information is being portrayed on their end. Why is their call center not readily available 24/7? How much do I currently owe ( according to them ), why do they not have an email set up? 
XX/XX/XXXX : I made a payment for the principle amount listed on their website and one letter I've recieved from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: OK

Complaint narrative:
On XX/XX/XXXX I called XXXX XXXX  for a different matter than what this complaint is about. I spoke to XXXX at XXXX. I found out that my XXXX account was written off to fraud in XXXX. XXXX stated that I did not owe this debt since they wrote it off. He told me to call Portfolio Recovery Associates and to have them remove the debt off of my credit reports that has been reporting since XX/XX/XXXX. I told him that as of two months ago I was still receiving notices to pay and that I owe them this debt. He stated that the debt is not owed. In XX/XX/XXXX Portfolio Recovery Associates attempted to sue me in my local court system. He said it was written off before then. As of the date of the write off to fraud, Portfolio Recovery Associates has continued to break the FDCPA and my rights under federal law. They have caused me great financial harm. I have contested this debt several times through the credit bureaus with no relief. Portfolio Recovery Associates continue to tell the credit bureaus this is a valid debt, which it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
AMERICAN EXPRESS INACCURATELY REPORTED LATE PAYMENTS ON MY CREDIT REPORTS. I HAVE REQUESTED THE INFORMATION FROM THEM TO SEND ME AN UPDATED REPORT OF MY PAYMENT HISTORY TO NO AVAIL. I ALSO SENT LETTERS TO 3 CREDIT BUREAUS REQUESTING THESE INACCURATE LATE PAYMENTS BE REMOVED FROM MY CREDIT REPORTS FOR THE DATES OF XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX I WILL PROVIDE EVIDENCE OF THE INACCURACIES BELOW FROM MY XXXX  REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 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: ERC
State: MI

Complaint narrative:
Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX XXXX to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of XXXX ( XXXX ) dollars. The account lists XXXX  as the " Original Lender '' and " Enhanced Recovery Co L '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with Enhanced Recovery Co L. I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with XXXX. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Carvana Group, LLC
State: PA

Complaint narrative:
I reached out to carvana to correct a debt issue that they don't have the the original contract nor did they provide me with a original contract, as they are a extension of the creditor of the consumer credit transaction. They didn't give a notification that the alleged debt they were trying to collect, was a debt as a consumer using my federal credit card meaning any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit for entering this consumer credit transaction with an open-end credit plan and used for household and personal use. They put obscene symbol 's and use obscene language on the copy contract that could of be daunting to the eyes as well. Carvana has violated me as a consumer in the corporation and needs to be held legally accountable for their deceptive actions as a debt collector they are. I am requesting the agency to work with me the consumer under the guidelines Fair Debt Collection Practices Act and amendments to the Truth in Lending Act or else i will pursue federal litigations if need I re enforcement on the facts of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of ninety ( 90 ) dollars. The account lists XXXX  as the " Original Lender '' and " XXXX XXXX XXXX XXXX '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with XXXX XXXX XXXX  XXXX I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with ATT. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.

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 2021-01-30 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: MI

Complaint narrative:
Around XXXX XX/XX/XXXX phone line was ported from XXXX XXXX XXXX mobility to XXXX. My account with XXXX XXXX XXXX was required to be in good-standing and paid in-full BEFORE porting. In late XX/XX/XXXX I received a collection notice from XXXX XXXX XXXX XXXX XXXX. The Date of the letter is XXXX XX/XX/XXXX. The letter advises that XXXX XXXX XXXX placed my account with your agency for an alleged outstanding debt in the amount of {$340.00}. I do not owe this amount as XXXX XXXX XXXX XXXX continued to bill me for services for a phone line that was absent a phone number because the voice line had been ported. Furthermore, the date of the collection notice is XXXX XX/XX/XXXX, placing it within the period over which the Governor for my state has issued a " Stay At Home '' order restricting my right to travel within my state. The instructions of that order specifically stat that I am not to leave my home for reasons other than obtaining groceries or prescription medications. XXXX ceased all activities to collect on the debt per their response to complaint XXXX. On XXXX XX/XX/XXXX I checked my credit report to find that a collection was placed on my file in the amount of XXXX XXXX XXXX XXXX dollars. The account lists XXXX  as the " Original Lender '' and " XXXX XXXX XXXX XXXX '' as the collection agency. It lists the date placed with the agency as XXXX XX/XX/XXXX. I have never had first contact with XXXX XXXX XXXX  XXXX I never received notice that there was any collection amount. Outside this CFPB complaint I have not had the ability to exercise my Right of Notice and Opportunity to Be Heard that I am afforded as a part of my rights of Due Process. The timing of the collection is rather coincidental because it coincides with reported slow-down in mail across the United States. From my perspective, it would appear that such collections were timed to almost ensure that an individual with an alleged debt would be unable to exercise right of notice within thirty ( 30 ) days of receipt, or would never receive notice at all, with the collection agency claiming they " sent '' the notice. As it stands, the information listed is inaccurate. Any alleged outstanding amount was settled with the original creditor as a step to activate internet service with XXXX. Finally, this is nuisance debt of less than XXXX XXXX XXXX XXXX dollars and therefore should not show up on my credit report all under CRA practices.

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