BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-05
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I already reported this to the CFPB before. The Case number was XXXX. At that time my problem fixed ( my error collection information has been removed from XXXX ). 

By the way, today ( XXXX/XXXX/2016 ), I 've got same error report from XXXX. I really do n't know why XXXX XXXX company never change error information related with me. 

I 'm not even XXXX XXXX XXXX Customer and also do n't have any Debt record!! 

Please, help me! According to my memory, this is total 4th times Error Report from XXXX XXXX XXXX. 

Please, Could you fix my problem?, This is very annoying me every year, and I do n't want to lose my good credit grade. 

Thank you so much!!

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 2017-05-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have been wrongfully charged some overdraft fees even after depositing a check for {$6400.00} for my overdraft of a  few hundred dolla rs to that point. Even after that they have charged me another {$70.00} after my deposit.. In calling the bank today, the said they would continue doing so until the  XXXX  until funds could be verified. I deposited this check on the  XXXX  and they never have done this before. I  imagine the y will keep racking up these fees until this point until the  XXXX  even though i made this deposit. I understand I should not be able to go in and withdraw the {$6400.00} but in the past, if i deposited a check they allowed it to cover my overdraft.

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 monetary relief
Consumer complaint received 2017-05-19
Company: Caliber Home Loans, Inc.
State: FL
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Collection Agency : Caliber Home Loan , Inc. After doing my research back in XX/XX/XXXX when the modification of my loan was approved, I had a 2nd mortgage with XXXX and it was settled with original lender of the 1st mortgage, right before XXXX filed for bankruptcy. I received a XXXX back in XX/XX/XXXX which I filed with my XX/XX/XXXX tax returned and I was under the impression that a Satisfaction of Mortgage will follow sometime at a later date. Being in the military, I was kept very busy XXXX four times without the time to follow up on this matter until now. I need your help in providing me with information on how to clear this up and settle this once in for all. I tried contact the collections agency several times and sent them an e-mail ( Caliber Home Loan, Inc. ). They have provided very little information and I am very frustrated on what I should do at this point to obtain a Satisfaction on Mortgage? Thank you in advance and I will appreciate your help in this matter. Lender : Caliber Home Loan, Inc. Borrower : XXXX XXXX Loan No. : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I consumer did not consent too nor authorize these inquiries that are reporting to my Equifax consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Equifax. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Equifax sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Equifax an identity theft report via USPS certified mail. Is Equifax above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Equifax humiliated me to the public and damaged my reputation. Equifax decreased my score because of those inquiries that have no connection to me. If Equifax can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to XXXX for my XXXX  because of the fraudulent activity that Equifax let concur on my consumer report.Equifax stole my identity and sold my private information without prior consent. My information was hacked in their data breach.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My lender Wells Fargo has set a slae date for XXXX/XXXX/2016 while asking me to provide additional information for their review of my modification.. I 'm told this is dual tracking.. They have put me under increadible stress forcing me to take legal action. I have repeatedly asked that the sale be postponed until we can provide the necessary documents requested, for review of a modification ... The loan on my home is a neg am loan and i have for over a year been trying to get this toxic loan modified ... Please help

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 2015-09-03
Company: Paypal Holdings, Inc
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX, 2015 I received a call from XXXX, which turned out to be from Paypal credit. The call was from their fraud department asking if I had applied for credit since I have an initial fraud alert on my credit file. I told them I had not applied for credit and asked what I needed to do next, they said to do nothing and that my fraud alert was working perfectly. The reference number for this conversation is XXXX. 
Not wanting to leave anything to chance, I checked my credit file that day and found that my credit had been pulled on XXXX XXXX/PPC on my XXXX file. I submitted a dispute with XXXX to which they have already responded that credit pulls are a " factual record '' and that I would need to work with Paypal to remove the inquiry. I have now called Paypal and they have been less than helpful to remove a credit inquiry that we both know I did n't submit. I have to send a letter to a XXXX XXXX in Maryland with no tracking or accountability to remove the inquiry. My concern is that someone has accessed my file, and now there 's a record of that on my credit file and I have not initiated this. I merely want Paypal to correct the issue and remove the credit inquiry from my file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-06
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal closed my account with a {$1000.00} balance. They have said that they will take 180 days before I will receive my money back, which seems outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX XXXX 2016 I received a letter from Pay Pal Credit thanking me for opening up a credit card ( I did not open up this credit card ) There is an email address on the letter XXXXXXXXXXXX, it states that this person can go on line and review this account. ( this is not my email address ) I contacted Pay Pal Credit informing them that I did not authorize this credit card and that the charges being made on this card are not from myself. I have contacted and reported this to Identity Theft as well as obtaining a police report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-25
Company: Paypal Holdings, Inc
State: MI
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Paypal closed my business Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any valid reason or warning. Most importantly, Paypal refused to return my money and grab the money for 6 months without any reasonable ground. There is more than {$10000.00} in my account. 
Paypal claimed that they grabbed the money to cover any payment reversals. That is a totally fake excuse since there is no payment into the account at all. Their only purpose is to grab customer 's money and profit from it. I can not access my own all legitimate money, which causes enormous financial loss while Paypal profit from using my money interest free. 
Paypal 's act of grabbing customer 's money at will is rogue and illegal, which violates consumer 's property right protected by the constitution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: I.C. System, Inc.
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The debt collection agency IC Systems uses disgusting tactics to collect on miniscule amounts of money. They repeatedly called my XXXX-year-old grandmother ( who has never been associated with this debt EVER ) and told her they would come find me and arrest me if I did n't pay a {$250.00} debt. My grandmother has XXXX and this XXXX her terribly. It took me quite some time to explain to her that no one was trying to hurt me and take me to jail. IC Systems even called her a second time after she told them she does n't even live in the same county as I do.

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 2017-05-19
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
On  XXXX  ( app rox ) I received a modification approval from Ocwen for  our mortgage. On  XXXX  ( see attached proof ) we sent this in to them via email as requested. Also that same day I spoke to them and made my  XXXX  payment so that it would not be late due to the bank holiday. On  XXXX  we made our second payment and I was lead to believe all was ok. We never received notice that they did not have the paperwork nor were we led to believe that there was any issue. On  XXXX  I received my scheduled call from our Relationship Manager and at this time he tells me that our mod was cancelled because they did not have the paperwork.I confirmed this with a email. I then informed him that we sent in in on  XXXX  and at that time he confirmed it and told me that he would have it all straightened out and we would receive the final docs to sign in  XXXX  days. I gave it till  XXXX  and still nothing from them, so I called again, and again told everything is ok, they are working to get it resolved give it  XXXX  more days. So again I wait for the paperwork and again nothing, call them again on  XXXX . This time told its still in review and nothing has been done. At the End of  XXXX , they finally " approved '' the mod and sent me paperwork and we immediately signed and returned it to them via overnight at my personal expense ( also paid notary at my personal expense ) and we again waited. About a week later I get a call from my " relationship  manager  '' and now we are told first that the paperwork had an error and would need to be redone, so I spoke to the ombudsman office (  XXXX   XXXX  and she assured me that everything was correct and if there was an issue she would personally call me bac k. Again nothing for over 2 weeks, until I get again a call from my Relationship manager, and this time she tells me it was rejected due to missing signatures, ( see attached, everything is signed and notarized. So I speak to ombudsman again, and now again the story changes, now ( 3rd thing I have been told from people ) is the amounts are wrong on the paperwork and we need to get them re-sent and signed. So now we are 8 months into the process and still no modification and Ocwen is STILL report ing me as late to the credit services and still charging me fee after fee and extra interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29
Company: Paypal Holdings, Inc
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
PayPal opened a credit account without my permission. The charges on the account were paid on a Visa or MC credit card linked to PayPal. I tried to call PayPal to no avail. I wrote letters and sent them copies of the other credit card bills showing the charges there. They removed all charges except {$35.00}, which they insisted I owed, in spite of the proof that it was paid on another account. I have written to the Consumer Advocate for Pennsylvania but PayPal will not relinquish this {$35.00} charge. They have added penalties and now say I owe them {$120.00}! 
I have tried to do everything in good faith but they have continued to harass me, reporting this to XXXX collection agencies. This is honestly not about the money. I am not paying for something I do not legitimately owe. I am XXXX years old and have always paid my bills. I do n't know where else to turn for help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28
Company: WESTERN UNION COMPANY, THE
State: IN
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I have made an international money transfer through a major Financial services company.After 1 week I received an email saying transaction was cancelled and i will get refund soon. Almost daily i am calling the customer care for the refund. Its been XXXX weeks i am waiting for the refund. I am suffering a lot XXXX because of this issue. Please Help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: TCF NATIONAL BANK
State: AZ
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
As of XX/XX/XXXX, Gateway One requested an inquiree on my report for no reason and without my authorization. I applied for an auto loan with this company XX/XX/XXXX. There should be no reason that my report should be pulled by this company 2x 's.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-02
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I consumer did not consent too nor authorize these inquiries that are reporting to my Experian consumer report. I did not give my permissible consent to none of these corporations to obtain my consumer report from Experian. I did not give them my written consent to obtain my consumer report per section 15 USC 1681n ( b ). Experian sold my information to these corporations and got paid for the credit sale. Federal law states that any corporation whom obtains a consumer report from a consumer reporting agency knowingly without permissible purposes shall be liable to the consumer reporting agency for actual damages in {$1000.00} per section 15 USC 1681n ( c ). I sent Experian an identity theft report via USPS certified mail. Is Experian above the law? How are they able to share my consumer report without them contacting me for my consent to share my report with these corporations. Experian humiliated me to the public and damaged my reputation. Experian decreased my score because of those inquiries that have no connection to me. If Experian can provide me a copy of credit application authorizing the disclosure of my files with my actual signature, I will accept the inquiries. If such application is removed I demand these inquiries be blocked and removed from my consumer report. I have gone to XXXX XXXX XXXX XXXX because of the fraudulent activity that Experian let concur on my consumer report. Experian stole my identity and sold my private information without prior consent. Where is my right to privacy?

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 2015-11-30
Company: NAVY FEDERAL CREDIT UNION
State: DE
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This complaint is to inform CFPB of the unfair and cruel way that my mortgage company have been treating me since the year XXXX when I started to have problems paying my mortgage due to hardship. At the end of XXXX, my husband divorced me which change the household income from around {$85000.00} a year to around {$20000.00} a year making it very difficult for me to make ends meet considering that I was a single mother of XXXX children with no help what so ever. This is when I reached out to my mortgage company asking for help with my mortgage. I placed numerous calls to them and I even applied XXXX times for a mortgage modification in which I was declined both times. Since then I have continued to ask for their help only to have them decline me of any available services and/or any assistance that they could have provided me with. Instead of helping me, they wanted to foreclose on my home. Then I managed to bring my mortgage payments up to date, however, they refuse to send me monthly statements since XXXX of XXXX leaving me with not knowing how my payments are being applied to my account, what are the extra charges that they are applying to my account, what my mortgage balance is and what are my official monthly payments. This has caused extreme stress on me!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-19
Company: Bonded Business Services, Ltd.
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I was served from Bonded Business Services,  LTD  in  XXXX   XXXX , the information says I need to file information for a debt I owe.     In  XXXX   XXXX  I bought our house and part of the loan was paying off anything listed on my credit report. Part of those were accounts owed t o Bonded Business Services and I have record from my loan company that they had   been paid.     In  XXXX   XXXX  I received noticed of debt owed to  Bonded Business Services a nd I called them to dispute, I was told then my accounts had been paid so I moved on and thought nothing of it, figured it was only a communication error. I was told on that day the accounts had been paid in  XXXX   XXXX . It has been confirmed with  Bonded Business Services this had taken place and is in the notes.      Since I was served now in  XXXX   XXXX , I was confused and calle d Bonded Business S ervices to once again clear up the confusion. I was called back by a  XXXX   XXXX  who identified herself as an employee o f Bonded Business  Services. In speaking with  XXXX   XXXX  she advised me that they accounts I show as paid were different accounts and I still have a judgement against me for another account. She never verified which accounts were for what, only stated I had paid  XXXX  services.     I think asked when I was notified of this and she mentioned I was notified in  XXXX   XXXX , she stated she saw in the notes that I had called and had been advised " the accounts had been paid '' I told  XXXX   XXXX  that was the only notification I had received and had called to dispute and was advised my accounts were paid, which she said confirmed that other than being served there are no records of other attempts to collect the debt or allow me to dispute further.     This is an error on Bonded Business Services, I am not convinced I owe the debt and I certainly should not be held liable for their error. I was advised my accounts had been paid, even  XXXX   XXXX  verified I had been told that but they will not help me further.

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 2017-05-19
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I requested my credit reports in the mail. Upon looking at all  XXXX , the months of  XXXX  and  XXXX  has not been updated accordingly for Texas Attorney General. Also, this account is paid as agreed and not late. This negative remark is affecting my credit worthiness and my livelihood.

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 2017-05-19
Company: WELLS FARGO & COMPANY
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
i had call wells fargo bank back when i get hurt at my job  XX/XX/XXXX  but i call around  XXXX / XXXX / XXXX  to tell i get hurt on the job if i can have a do payment plan bacause i was work 's comp i could n't paid the full payment they said i could n't do have payment plan i told i would what give sent   XXXX   or money i had Then start they never sent me letter until resent harassment me by leaving note on door later at nigh  XXXX    XX/XX/XXXX  and    XX/XX/XXXX  then call wells fargo talk to   XXXX   XXXX   she rude to me then said she did n't care what kind of problem or injury i had to paid my credit card that 's my problem i tell have do n't have job that i was injury she said you get to paid it that 's your problem!!! I told them i try work out payment plan they didnt want when i call first time i get hurt Now they come to my house some person give me letter  XX/XX/XXXX  saying the letter sued me for defendants accessed the line of credit not paid case number  XXXX  which have paid  XXXX  when extra money now they are taken me to court i am still work 's comp i lost my sister  XXXX  ago i help paid for funeral then mother before my sister i i had the money i would my bills do n't money i did n't job i am injury i lost everything!!! My another credit card i sent what i can Please let me know what they said My email is  XXXX  XXXX  XXXX  Thank You for please me  XXXX   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 non-monetary relief