BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-11
Company: I.C. System, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I got a XXXX prepaid wireless plan some years ago. Somehow without me signing or agreeing to a contract XXXX Switched my plan to a post paid account and put me into a contract and has been trying to collect money not owed to them. I paid my last bill in-full before switching to another phone carrier. They have put this on my credit I have complained they have removed it but subsequently sold the account to another collection agency called I C System Inc. I would like this removed immediately. There is no executed agreement between myself and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Nothing but a being resolved this bank is being very incompetent they are half investigating my claims this isnt ok I should have been protected but I want now Im in the hole for someone elses transactions under my account something needs to be done because eventually Im going to sue this bank for ignoring and letting thiefs steal valued customers money this isnt right none is listening taxes are coming in months later then they still half investigated my claims I didnt make t hun de transactions and I want my money everytime they deny me every interaction I have with then is being documented I have 2 years of negligence from this bank I XXXX is next week what is XXXX by with your people devils fix my account this isnt going away u we will continue this back and forth until its resolved

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 2021-12-17
Company: WELLS FARGO & COMPANY
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 received a notice from XXXX XXXX that my Wellsfargo Auto Loan is showing 30 days past due. I contacted Wellsfargo XX/XX/XXXX to inform them of the error. The representative reviewed my account and concluded it was indeed an error and would forward my account to the credit reporting department to have them correct the error. She stated it would take five days to correct the issue. I waited the 5 days to see if the information being reported to my credit report would be updated within the 5 days as stated and it didn't. I called the representative back XX/XX/XXXX and was told the correction would take 30 days which is not acceptable. As of today XX/XX/2021 I'm showing to be 30 days past due for XX/XX/2021 and they haven't reported to the bureaus any other info such as the correct loan balance. Several items are being reported incorrect. This has caused me to pay additional fees.

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 2017-01-09
Company: I.C. System, Inc.
State: PA
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:
The company I.C. SYSTEM INC. has a dept on my credit report for {$1600.00}. After doing research I found out that someone stole my social security number and opened up an XXXX account under the name XXXX XXXX. They also used a XXXX XXXX XXXX which I never owned. They opened up the account in XXXX XXXX back in 2011, Which I was living in XXXX XXXX. I found out by the XXXX company that that person was using a stolen Credit Card to pay for the account. The account was closed and was sent to the dept collection agency.. So that person used a fake name with my social. I want to dispute this off of my credit report, because never mine, and the account was opened up illegally. I never went by the name 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 2016-08-24
Company: JPMORGAN CHASE & CO.
State: WI
Product: Credit card
Issue: APR or interest rate

Complaint:
Several years ago I accepted a fixed rate for " life of the loan '' on a credit card issued by Washington Mutual. The rate was 3.99 % for several thousand dollars. 
The account was sold to JPMorgan Chase. They bumped the rate to 28.99 % for no reason. There has never been a late pay nor any derogatory action on my part. I called Chase and asked to speak to a manager. I wanted to know where it was written that if the account was sold my interest rate could change. She did n't know, neither would she help me. They could not produce a document I signed or agreed to permitting that interest change on sale of the account. 
I still owe about a {$1000.00}. years later. I was hoping your agency could help me retrieve the excess interest I have paid over the years. I was fortunate to have to money to pay, but this put many others into bankruptcy after Washington Mutual sold to Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17
Company: BARCLAYS BANK DELAWARE
State: NV
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Barclay bank has a charge off account on my credit report that does not belong to me. Because of this, my application to rent has been denied. I have another dispute with XXXX  because of their failure to verify this with Barclay. They did not attempt to contact Barclay. The account was last active in 2013 and in Nevada, this should have been removed 2 years ago to the state statute.

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 2015-08-10
Company: I.C. System, Inc.
State: MD
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:
My dog was enrolled in XXXX XXXX XXXX vet plan, this is true, no dispute HOWEVER, XXXX XXXX XXXX Breached their Duty of Care to my Pet, negating to provide proper XXXX services when scheduled and it is my contention waiting for them to reschedule caused my pet further damage. 

My dog had XXXX and was to have XXXX checked and removed and also had developed what we later found out was a XXXX, which began on her XXXX and ultimately spread everywhere. She had her XXXX on XX/XX/XXXX..her appointment at XXXX was XX/XX/XXXX which was approximately two weeks and they called and cancelled as they had some doctors leave their employ and were unable to see my dog who needed to be seen. I did let the girl who called know that XXXX needed to be seen and she advised they were arranging for vets to come in and would call me. I never got a call, XXXX in spite of the collar we had for her and the XXXX got worse. I called the Bureau of Veterinary Medicine and found her old doctor who was aware of her severe health history and eventually took XXXX to see her, by that time, I had spoken with a doctor and used home remedies like XXXX to relieve some of the symptoms but XXXX was XXXX by this point. Once I got all of this done and the doctor was finally able to see XXXX it cost me XXXX and this was a discounted price because they knew I had saved XXXX through a animal rescue and did not have this kind of money. 
The credit agency is performing a service however, they have been informed that they should not be trying to collect this debt. If this debt appears on my credit report, I have sought legal representation and will dispute same with documentation. If they file in a court of law, I will also file suit against XXXX XXXX XXXX for neglect and damages done to my dog. A complaint has been filed with MD state against the clinic involved and XXXX XXXX XXXX in general. I have explained to the collection agency who calls non-stop, that I will pay a bill, but I will gladly meet them in court before I pay this billl as their client breached our contract by breaching their duty of care to my pet and their veterinary oaths hanging on their wall. I will never deal with them or with XXXX ever again. There are too many venues around who actually care about pets. I used to spend all of my pet money in XXXX as well as my friends, the animal rights people and boyfriend. I have not even begun to publish the complaints I have about how my Hope was handled and how I was harassed by both XXXX and this credit agency for money. 

Thank you for your time, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Ca n't see my refund credit back to my credit card account online. Customer service had high call volume and being cut off on phone.

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 2021-12-17
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
My score drop a XXXX points say that I applied for credit cards.I did no such thing I only applied for XXXX  XXXX and XXXX XXXXXXXX credit cards.my purse was stolen from out of XXXX XX/XX/2021 every since then I been seeing inquiries on my credit report I been trying to dispute them but not working.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: Ocwen Financial Corporation
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I sent in a principal payment of XXXX in online bill pay to be at Ocwen mortgage by XXXX/XXXX/16. I checked my bank balance and mortgage balance daily to see if it posted. By XXXX/XXXX/2016 I finally called the mortgage company and was told they had not received it, they recently had changed their mailing address according to the representative and thats probably why it was missing. They told me to put a stop payment on the check from my bank and gave me the new address to send it to. I put a stop payment on the check and changed the address in my bill pay to the new address. I had the bank resend {$27000.00} on XXXX/XXXX/2016 to be received by XXXX/XXXX/2016 to Ocwen Mortgage. In the meantime I received a letter from Ocwen Mortgage with my previous check attached to it stating they were returning it because if I was paying off my Mortgage loan they needed certified funds. I immediately called Ocwen Mortgage and explained to them that it was simply a principal payment and not a payoff payment. My payoff was {$29000.00} my check was for {$27000.00}. Fast forward my new online check was to be received by XXXX/XXXX/16 and I again checked my balances daily. Finally on XXXX/XXXX/16 and still no record of my payment I contacted Ocwen Mortgage they did say that they received my payment from my bank however payoff payments were to be made by cashiers check and I again explained that it was simply a principal payment. It was then explained to me that my bank who sent the money would have to call them and fax them verification that funds were there and they had subtracted from my account. This is online bill pay I explained and I have been using this for the last 7 years with no problems!! Why now? Finally I was given to an escalation manager and I reexplained my story and I was told that they would take care of it and would call me Tuesday XXXX to let me know status. I received a phone call on XXXX and they left a message stating nothing had been done and they would call me in a day or XXXX. I called them on XXXX XXXX 2016 and again spoke to an escalation manager who was really no help. I explained to her that I would be contacting cfpb if this was not resolved. In the meantime I have been paying interest on a mortgage balance of {$29000.00} instead of {$2500.00} since XXXX/XXXX/16. I simply am trying to have my payment applied to my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had been making online purchases with my Paypal XXXX XXXX XXXX card which was linked to my paypal account. I had been loading my paypal balance with the Paypal XXXX card so I can make online purchases. I had sent {$50.00} to a friend for his birthday and just performed online shopping as I have done for the past year which was the only transaction which was not typical of my account. I get a notice that my account was permanently limited for violation of T & C and my debitcard was closed. 

I have been doing online shopping via this method for over a year and was not aware that I was in violation of policy. When I called paypal and was asked what I was in violation of, the reps were not able to clearly articulate the nature of the violation. 

My Paypal Case ID Number : XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07
Company: Paypal Holdings, Inc
State: MT
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
A buyer started a fraudulent dispute wanting his money back. He was supposed to return the item he purchased for {$2800.00} before PayPal refunded the money. The buyer then returned a cheap {$75.00} item and PayPal returned the {$2800.00} to him. I started a complaint with PayPal and they requested among other things an internet fraud report ( FBI ), photographs of the piece sent and the piece returned, a professional appraisal of the item received and the item sent etc. After I provided all the paperwork requested, I spoke with a PayPal representative and was assured she would look into it. PayPal ignored everything I supplied. I lost the money and my item to the swindler who had to proof nothing and with PayPal 's help got away with this scam. I am concerned he will do this again and again and other people will be scammed out of money with PayPal acting in such a unjustified and unprofessional manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-02-06
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Serving XXXX I first reinstated my loan with this company by paying a reinstatement payment, while filing bankruptcy, was making agreed payments each month, became XXXX, XXXX thing lead to another, but I paid the reinstatement before any finalization of the bankruptcy, in XX/XX/2016 I paid Ocwen in full and have the letter as proof XXXX, XXXX + but they refuse to report that I paid this house off to the credit bureau 's and the XXXX credit bureau 's are not helping me even after sending in the copies of all paperwork and receipts of paying this house off. I feel as if I am being mistreated unfairly and not given my correct credit scores and ratings because of this, I did the right thing by trying to correct my mistake of my financial mistake, but by doing so I am getting the bad end if they can not report the correct information and say they got there monies for this property I would like my monies back so I can go purchase a home for me and my child. or I will take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a continuation of my OCWEN nightmare. The situation is self explanatory when you read the attachments and all the complaints I have submitted over the past year. 
See Attachments:1. OCWEN letter with application to re-apply for a mortgage modification. XXXX/XXXX/15. 
2. OCWEN PRE-FORECLOSURE NOTICE ( the day after - XXXX/XXXX/15 ). 
3. OCWEN decision letter of denial of modification because the mortgage investors DO NOT PARTICIPATE IN HAMP OR ANY OTHER GOVT. MODIFICATION PROGRAMS. 

I have submitted a modification application XXXX now with the same answer - they do n't particpate! Yesterday OCWEN asked me if I wanted to apply again ( a XXXX TIME ). This is ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXXXXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: MRS BPO, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
The service was canceled and paid in full at the closing of the agreement. threatened to contact the company and damage my credit history regardless of full payment, decried to give my a proof of collections. Collection company threatened to destroy my credit by putting in false report, mentally abused me and my family by calling us again and again. 

As for the proof, refused to provide me any.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-10
Company: Ocwen Financial Corporation
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I did a mortgage modification in 2010, and subsequently filed a Chapter XXXX Bankruptcy, and was released from the mortgage. I moved out of the home over a year ago, and instead of just staying in home for free, I put it on the market to sell as short sale. Ocwen has obstructed the sale of the home for a year. We are in the process of losing our XXXX buyer in a year. This last time we were ready to close, but they wo n't write a letter stating that the XXXX lien the have is discharged. They wrote a letter stating that they consider the balance of the loan to be XXXX, because of course it was discharged in bankruptcy, but they wo n't use the word discharge, so the buyer can get title insurance. In the meantime the house is falling apart, and all the neighbors are complaining home is not being maintained. I am in XXXX & the home is in XXXX. My Realtor has literally hundreds of hours working on this. They just will not cooperate. They tell us we have to speak to The Research Department, which only has a fax number. I am trying to do proper responsible thing, and they will not do anything but give me the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-17
Company: MoneyLion Inc.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
On XXXX XXXX 2021, Money Lion abruptly suspended my account. I had a total of {$210.00} in my account, they would not give it back to me. They claim they would send it back to where it came from, but they never did. I had a deposit on XX/XX/XXXX for {$790.00} from unemployment, and the unemployment agency stated they have not heard anything from Money Lion. So it shows in this account that I have {$210.00}, because Money Lion has been taking a dollar administrative fee since XXXX. I frankly don't know what to do to get my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My investment property was foreclosed on almost 6 years ago - XXXX XXXX, 2010 - and the foreclosure deed with land court has yet to be filed. This foreclosure was a direct result of the whole mortgage debacle and land court has rejected the deed I 've been told. This is continuing to adversely affect my credit since it takes 7 years from the filing of the foreclosure deed for someone 's credit to clear - and after almost 6 years nothing has been done due to the lenders incompetence.

Company response to consumer: Closed