vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/XXXX I sent a Cease and Desist Letter to PHH-XXXX  XXXX  XXXX  time barred debt mortgage has expired by the statue of limitations. The have acknowledged this on several occassions.All Correspondence has been Certified and return receipt, PHH received these letters and I sent a backup To The New Jersey Sheriff in XXXX County as witness to that facts over 10 to each one. Every month they send a bill with an attachment stating Failure to pay will result in fees and foreclosure and loss of my home. Original loan started XX/XX/XXXX with GMAC Mortgage sold to Ocwen loan Services around XXXX or XXXX XXXX Sold to PHH Mortgage a of Ocwen XXXXPHH Mortgage. Interest Only 15 years Original amount {$260000.00}, now amount is {$280000.00} Monthly payment {$780.00} now changed to {$2800.00} XXXXAlso sent an Estoppel Letter and a No trespass letter like I mentioned all return receipt requested. 
Sent to credit bureau a dispute that this company not a part of original contract. They show on it contract is cancelled. Fair Credit 805 ( b ) 2 805 of Code of Civil Procedure for California enacts additional limits and collecting on tim barred debts. The new law 2013 Act California Debt Buying Practices Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: VA

Complaint narrative:
Rushmore Loan Management Services manages my mortgage currently. The have truly terrible options for paying your mortgage- your only option is to pay once a month. They have no option for a bi-weekly payment plan. I tried using a third party servicer to pay my mortgage bi-weekly and Rushmore won't accept ACH payments, so that servicer has to pay by check. That is completely ridiculous and with the changes coming to the USPS, could cause me to have a late payment if it starts to take a ridiculous amount of time for them to get the check. It is totally unacceptable in 2021 that a loan management company wouldn't take ACH payments, or provide a bi-weekly payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: AL

Complaint narrative:
I called in to get a debt validation of item listed on my credit report, 1st rep disconnected my name after given her my name and 2nd rep transfer me to someone voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Professional Debt Mediation, Inc.
State: CT

Complaint narrative:
I was told never to communicate with debt collectors so I haven't. 

Professional Debt Mediation is one of a list of past debt collectors who've handled a debt from an apartment I had years ago. They have changed the date of the debt reporting every few months so it won't fall off my credit report. This debt is the same debt from years ago and I believe it's already too old to continue being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lewis, McDonnell & Associates
State: MA

Complaint narrative:
This debt has been paid in full but it is still showing negatively and is hurting my credit. this debt should be closed out. Please help. 

XXXX XXXX Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Account opened as a result of fraud
Company: Lending Club Corp
State: CA

Complaint narrative:
On XX/XX/2021 I received several emails to my personal email from LendingClub bank about a high yield savings account that was opened under my name. I contacted LendingClub bank and a account was opened in my name. I changed all passwords to emails and contacted XXXX to report this fraud. I also contacted LendingClub bank and closed the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
I have been fighting an ongoing battle to fix my credit reports and DDA reports due to previous and existing identity fraud. I also have been arrested and charged due to fraudulant actions committed by whomever stole my identity. These charges have been dropped and I am not convicted of anything. I have documentation of all processes and time frames. I have filed all legally required and proper reports and yet these companies and banks are still refusing to fix my credit and consumer reports and have banned me forever from using there products. The specific complaint I have for this company, XXXX, is that they default to side with these companies and banks no matter what, and there requirements for verified data from them is not acceptable. Regarding account XXXX  XXXX XXXX and XXXX they both fall under same category. I am more concerned with XXXX  XXXX XXXX as they are reporting that I am engaging in check fraud and was verified by the state of florida, which is false and considered libel and slander! Especially since all charges have been dropped. I asked chexsystems to fix this twice and they refuse. A police report is not legally required only required report is a law enforcement agency report and/or government agency report. This requirement has been fulfilled and they and other banks are refusing to accept this. The reason I can not aquire a police or sheriff report is due to the fact that I am not allowed to due to my original charges and they refuse to do so, According to my local law enforcement. I assume I can't go 3 counties over or go to Alabama to find any place station so that's why. I would contact fbi if I could but you and I both know they won't take a report from me. XXXX needs to be more loyal of consumers and there complaints than to companies. I want this fixed NOW!

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Google Compare Credit Cards Inc.
State: GA

Complaint narrative:
On XX/XX/2021, a Google Play gift card was purchased in the XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, GA XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX. XXXX : XXXX XXXX XXXX XXXX XXXX, CA XXXX - ( XXXX ) XXXX and ( XXXX ) XXXX. When the card was gentle scratched off, NOTHING was there. XXXX is selling FAKE products for Google. when the XXXX store was contacted, both the store and XXXX headquarters basically told me to " GO TO XXXX! '' XXXX sent a clear message - three times - that they do not care about their customers ; NOR do they care about customer service. When we tried to call the Google Play card number, a recording stated that it was NOT a good number and no longer in service. When we tried to contact Google thru four of their websites, ALL of them were fraudulent and would not allow customers to report fake/fraudulent merchandise that they are selling to the public. THIS IS CONSUMER FRAUD and a FEDERAL CRIME! Both, XXXX and Google should be held accountable. There are several websites of many thousands of customers listing their stories and who have experienced the same fraud by XXXX and Google.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My rights are continuously being violated! There is currently still misreporting on my credit report and the credit bureaus have neglected to delete or respond to! These violations have gotten out of hand and need to be addressed.

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 2021-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I caught someone trying to use my debit card number by email. i had alerts set up on my account. i called wells fargo immediately and they cancelled my card. They said they would send out another debit card.. Almost 3 weeks later i still do not have my debit card. I have called wells fargo repeatedly and they said it is on the way. # three weeks is unacceptable. They should have sent this card out priority I just saved them thousands of dollars catching someone from stealing. Now all my bills are late and my credit will suffer because of my auto drafts set up to pay using this debit number they closed.

They have penalized me for catching a criminal and saved them thousands.

Wells Fargo should be awarding me not destroying me... Evidently, they reward criminals for stealing because I am the one suffering.

Solution : Wells Fargo Pay me {$10000.00} for the hassle and to repair my good standing in the credit community. This will cover credit repair and my time.! 

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 2021-10-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC
State: CA

Complaint narrative:
On XX/XX/XXXX I sold a XXXX XXXX XXXX to a stranger for XXXX XXXX Upon sale the title was signed over to the new owner, I filled out and submitted a Release of Liability online to the CA DMV. On XX/XX/XXXX, I received a letter from a debt collection group called Finex Group, LLC Collection Services stating that I owed {$2600.00} for this vehicle, which was towed to and held at a tow yard two days after I sold it. I called Finex and explained that the vehicle no longer belonged to me and that a Release of Liability was filled out and submitted with the DMV, however they stated that they did not care and insisted that because at the time of tow the vehicle still showed me as the registered owner, that I am liable for this debt. I have since obtained a certified copy of the Release of Liability from the DMV ( attached ) which I have shown to Finex, but they continue to insist I owe the debt. I have spoken to the DMV Investigations Division Offices in XXXX and XXXX XXXX, of which representatives from both offices have informed me that regardless of whether or not I was the registered owner of the vehicle when it was towed, I am not liable for this debt since I have filled out the release of liability. During my attempts to contact Finex Group and dispute this debt, they have maintained that I owe this alleged debt, and that the amount of the debt is increasing daily due to interest. They have also threatened to damage my credit score. 

I must note that due to issues with a pending transaction with the CA DMV, the Release of Liability I originally submitted was received but not processed. It is however still shown on file as submitted, as seen on the certified copy of the Release of Liability. I have since re-submitted the original document to the DMV, and it has been processed on XX/XX/XXXX and backdated to the date of sale ( XX/XX/XXXX ). Representatives from both the XXXX XXXX and XXXX DMV Investigation offices have assured me that this is still valid proof that I do not owe this debt, as Release of Liability notices can lawfully be backdated with full validity. 

I believe that I am not liable for this alleged debt under California Vehicle Code 5602, and that the amount that they are attempting to collect from me qualifies as extortion under California Civil Code 3068 ( Section c1 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Transunion continues reported open with closed account and balance with XXXX XXXX that been closed not listing dispute or verifying account they continue to report a balance on closed account They failed to provide verification of accounts which could not be verified reopened and account status that was once reported closed, they continue to do so and reset the statue of limitation which is against the law. They continue to report account verified that could not be verified by the reporting company 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 2021-10-04 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: WI

Complaint narrative:
There is a mortgage in the name of XXXX XXXX XXXX held by XXXX XXXX. This mortgage is the responsibility of my ex-wife to pay as part of our divorce. About a year ago this appeared on my credit reports. I had no idea what it was at the time, and reached out to the company. This is a 50 year mortgage, and yes, you are reading that right, a 50 year mortgage on my former home in Virginia. 
My ex-wife has been frequently delinquent in making the payments. In all these years, I have never seen or heard of this. It has never before appeared on ANY of my credit reports before last year. 
First, to clarify, my legal name is XXXX XXXX XXXX, not XXXX. As these credit reporting agencies can confirm, I have never been late or defaulted on any of my payments to anyone. There were a few negative entries on my report, which I satisfied in 2015 or there about. Since then, my credit has been spotless in regards to meeting my obligations. I do have a sizable credit card debt, which I have been paying down, and again, have never missed a payment, not on a card, my home or my car loan. Never. 
I have tried to get clarification on this 50 year mortgage from XXXX, which apparently took over this mortgage from their acquisition of XXXX XXXX. I always received the same reply. That they were looking into it. Besides the fact that this could be construed as a predatory lending practice, that is another issue, but tied to this, as they reported this mortgage to the major credit agencies attached to my reports. 
Just to explain why it has taken me so long to do anything about this, I have no desire to cause injury to my ex-wife, or my daughter, who also lives in the home. Basically, in regards to this mortgage, I am in kind of a XXXX situation, as I know nothing about this mortgage, nor any other detail other than the length. No origination date, interest rate, nothing. 
To come to the point, I want all references to ANY reports with the name XXXX XXXX removed from my credit. This is not my legal name, nor are there any obligations that I have in the name XXXX. I go by XXXX on some ( if you went through life with the name XXXX XXXX, you would appreciate why. ) but mostly XXXX, my legal name. I have tried to work with the big three reporting agencies, but to no avail. 
This reference to XXXX XXXX has totally trashed my FICO score unjustly. They can go back and see that this XXXX reference NEVER appeared on my credit report prior to last year. 
All I am asking for is anything in the name of XXXX or XXXX XXXX XXXX be removed, and my credit score revaluated based on my true and current credit history.

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 2021-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I called in to obtain information on why this item is on my credit file. I gave the rep my account # and was told to call XXXX she does not have any relevant information she could give me to assist me. she just disconnected the line.

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 2021-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: WI

Complaint narrative:
I received a Paypal debit card in the mail. I did not apply for this card. When I tried calling Paypal to report identity theft, they could not help me because 1 ) the card was not activated yet, 2 ) I could not validate the email or phone number associated with the Paypal account. The only thing I could validate was my name and address on the account. ( Which Paypal confirmed they are using my name. ) I tried to explain that someone opened the line of credit using my contact information but then they are using their own email and phone number so how would I know what those details are? It is not me. It is unauthorized use of my name. I asked to get the account shut down, they couldn't do that. They can't help me since I can't validate the account number, email or phone number on the account.

I have frozen my credit with the 3 major credit agencies. I don't understand how someone could open a line of credit using my information. I was on hold for 1 hr 30 minutes and I spoke to 7 people at Paypal. No one could help me. I am trying to help prevent additional fraud using my name and information and they don't know what they are doing at Paypal. If you don't meet the guidelines to the way they have been trained to respond to your inquiry, they can't offer solutions and they don't know how to help.

This is the 2nd time I have experienced identity theft with someone opening a Paypal account in my name. The last time, it took 3 years and the help of a collection agency to clean it up. Even then, Paypal handled the situation very poorly and wouldn't help me get resolution. It took multiple phone calls, police reports, etc. Paypal treated me like a criminal and I was trying to help clear my name and help them stop the fraud. They need a better fraud detection / resolution process. They want you to notify them of fraud but their people aren't trained to offer proper help or solutions. Criminals have discovered how easy it is to scam Paypal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Blockchain.com, Inc.
State: OH

Complaint narrative:
I signed up for an account with Blockchain.com on XX/XX/21. Once I signed up for my account I started trading cryptocurrency. I received a payment in XXXX  from my father that was suppose to cover my rent for the following month. This amounted to about {$900.00}. After I started trading I was told I needed to verify my account again. I sent in all the required documents and was told my account should be verified within XXXX hours. Then I was told my account is under manual review which could take up to 5 days. In this time I am locked out of my account. I am not allowed access to my own money which I need desperately. I contact support almost every day offering to send more documents, asking when the issue will be settled and I am always just told to wait longer. At this point it has been almost 2 weeks and money is being held hostage. The website states that the verification process can take up to 5 days. It has been much longer than this and Ive read online people stuck in this process for months. Im afraid this website may be a scam and Ive been defrauded. To this day, when I try to do anything on my account I receive a message telling me my account is not yet verified and to refresh in 5 minutes. Any assistance would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
They want to collect {$8000.00}, from me even though I owe them {$5900.00}. They employ all kinds of tactics to frustrate me. I made them an offer, considering my financial condition. They lied that I denied the charges, even though they interviewed me several times and I kept telling them that the charges were not unauthorized. Again, I never denied the charges. They made false declarations in court that I denied the charges. They took me to XXXX Court, but when I showed up they dismissed the case. They took me to court in XXXX XXXX, when I responded they keep switching lawyers and all of their actions are efforts to frustrate me. They are causing me emotional pains and distress. I made them an offer, which they said was a good offer, but they are not reconciling this with their representatives. I attach a false declaration that Wells Fargo N.A. made against me. 
The case was dismissed in XXXX, Texas.

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