BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-11
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I was having issues with my mortgage inXX/XX/XXXX. I spoke to my representative in fayservicing about a loan modification. I sent in the application and they claim that they never recieved it. I sent it 4 times and no response. My mortagage was becaming more and more behind. I was able to pay some money but they continued to return it. InXX/XX/XXXXI received a new rep. XXXX and he mentioned a Deed in Lieu. I stated to him that it would be good for me. I sent him an application and of course it was never received. I kept getting the run around with this company and their representatives for years. InXX/XX/XXXXI sent XXXX the application for a deed in lieu which I have confirmation that it was sent. He never returned by calls, I called to notify him that I was leaving the home to live with my parents because I wanted the deed of lieu to be processed as soon as possible. I was told I could get XXXX and now I ca n't because the offer expired. I continued to call with no response from noone. I was told that they needed my husband to sign a XXXX form which was not true. I was able to speak to a several rep. and was told that it was still processing. In XXXX I was told that they ordered my title. In XXXX I spoke to a very rude rep. name XXXX and he informed me that the application has expired and I had to do the process all over again. He stated that what happen in the past is the past and told me what do I want to do. He sent me the application again to my parents I filled it out and then in the same week I was given another rep. named XXXX. I spoke to him and he sent me another form. They went to my house in XXXX and lied and stated that I was still there and had not vacated the property. They told me that the electric gas and water was still on, but I had proof that it was all shut off XX/XX/XXXX XXXX received the application and I was told the deed in lieu would take 30 days. That was in XXXX. During that time they had someone delivery to me Forclosure papers. Those papers were sent to XXXX in XXXX. It is now XXXX and they sent me a form for short sale. I called onXX/XX/XXXX and stated I do n't what to do a short sale but a deed in Lieu and receive 3 to 4 thousand for turning over my keys. Fayservicing just paper  push and does nothing to help. I believe that they want to forclose on my home and not help. I have yet to talk to XXXX and I have sent emails. When I started this process late fees and everything was suppose to stop and it has not. Yet they continue to tell me that they never received this and that and when I provide proof that they received the paper work they come up with something else. This company has a class action suit against them back in XXXX. I hope that I will be able to contact someone to sue them also.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX of XXXX, five XXXX transactions occurred in my checking account. Three of the transactions were for XXXX dollars, one for XXXX dollars, and one for XXXX dollars ; a total of XXXX dollars. The withdrawals caused my TD checking account to lock due to suspected fraud. TD sent me a message to my phone which alerted me to the transactions. I called TD Bank immediately to address the issue and they suggested creating a claim. I was told I have to wait 10 business days to get a decision. 10 business days later, TD Bank denied my claim stating that they sent text messages to my phone confirming the transactions and that I replied to them confirming it. I informed them that I had not received or responded to any text messages from TD. TD advised me to make a police report and take it to a TD branch. I filed a police report and filed the claim with TD Bank. After another 10 business days, the claim was denied again. I immediately removed my funds from TD Bank due to this security breach. I have not had any issues of this sort previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: Blackhawk Network Holdings Inc.
State: IL
Product: Prepaid card
Sub-product: ID prepaid card
Issue: Fraud or scam

Complaint:
On XXXX XXXX, 2015, I purchased a Reloadit Pack and loaded XXXX onto the card to later transfer onto my son XXXX XXXX card the OnlyXXXX Visa loadable card. I contacted the Reloadit customer service at XXXX. I spoke with the first person out of at least XXXX foreign speaking reps., they gave me the run around like I have never experienced. I contacted the company XXXX XXXX and asked what I needed to do if anything on my end. XXXX XXXX told me that they are no longer doing business with Reloadit. I called Reloadit back and asked to speak with a supervisor. Supervisor denied knowing anything about XXXX XXXX discontinued there relationship with them. Supervisor asked wait ANOTHER 4 hours to see if my money would transfer, mind you this is the 3rd time I have been asked to wait a 4 hour period. The money was not there again. I called back again and spoke with another rep., and was told to go purchase another prepaid card of any type. I called them back and gave them the card numbers and I was told they were not compatible that I needed to go purchase a specific card! I called back and asked to speak to another supervisor. He told me that I had to wait for another 4 hours. At this point I believe they are operating under a scam. Blackhawk Network is the owner of this operation. They do n't answer their phone. XXXX. 
A list of names I spoke with in less than 24 hours : XXXX, XXXX, XXXX, XXXX, XXXX XXXX and a list of other names )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: SYNCHRONY FINANCIAL
State: KS
Product: Credit card
Issue: Billing statement

Complaint:
I opened an account with XXXX for a Walmart credit card and made one large purchase in XXXX 2015. I called around the end of XXXX/ beginning of XXXX to say that I do n't believe that I have received a bill. The person took my checking account info on the phone and ran the account and I set up auto pay. I thereafter found out that the checking account number that was entered was wrong and attempted to correct. I have made payments every month and have attached payment 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 monetary relief
Consumer complaint received 2016-10-04
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I decided to purchase a riding lawn mower during the summer. After shopping around my wife suggested that we purchase from Lowes. Against my better judgement of going to The XXXX I gave in to purchase from Lowe 's. Having the Lawn Mower a little more than 30 days the pulley broke. I sent it out for repair after going through hoops with the repair cost because the salesman told me the 3 year protection plan would cover the cost of any repair of the mower and if anything ever happen to it we could bring it back and get another one is how he explained the protection coverage at the time. After paying my ex landscraper to cut my lawn I Finally got the lawn mower back. Two weeks later I go to cut my grass and the same exact problem- the pulley comes off again. What a headache! Its obvious that this product is defective. Lowes can care less about their consumers. I 'm not going to pay for a defective product and neither should I have to send it out for repair after every use. Stop selling bad products! This is the second time I 've had the same problem with a so-called new mower. I will be contacting the Attorney General 's office on this matter and reaching out to other sources as well about this matter since I ca n't get anywhere with Lowe 's. I want lowe 's to refund my card and come pick up their defective mower.

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 2017-04-27
Company: Diversified Consultants, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
Have been calling me numerous times on both and cell wo n't leave a message at all I have reached out to them via email telling them to send me documents pertaining to anything they said call us I said no I do n't trust no one to many scams even gave the address of my house not sure if it for me or someone else at this point call  4-5 tim es a day both cell and house

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: CA
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:
I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
2. XXXX/XXXX- Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 
3. XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Please refer to my previous compaint Case number : XXXX ] where I wanted to transfer money to my parents for their medical needs in XXXX and saw an ad. about XXXX Pay so, I downloaded the XXXX Pay ( XXXX XXXX ) in my iPhone. Then made a call to XXXX XXXX to understand the process. I was told to add XXXX Pay as payee in my bank checking account and paid the money I wanted to transfer into the XXXX Pay. So, I paid {$620.00} from my Capital one 360 checking account to XXXX Pay and XXXX Pay received {$620.00} from checking account on XX/XX/2016. After making several calls and emails ; I was notified by XXXX XXXX Pay dispute escalation team that they can not find my {$620.00}. I have provided them with cancelled check for {$620.00}, XX/XX/XXXX and XX/XX/XXXX bank statements to prove that they have my {$620.00} but Western Union/WU Pay is unable to locate my money. 
When I brought up this matter with capital one 360 ; their inquiry concluded that they were instructed and provided the XXXX Pay address by me which is totally untrue. As a matter of fact I with the help with their cafe personal banker downloaded XXXX Pay icon from capital one 360 bank 's website to add as a payee in order to transfer {$620.00} electronically to XXXX Pay and they sent out a paper check instead. Everything was done using their website so, I did not have to provide them with XXXX Pay address. Bank claims that the address was entered manually which I had no knowledge of it and as a consumer I had to trust the banks 's rep. and website. I feel like scammed and neither XXXX Pay nor capital one wants to to take the responsibility and trying to escape from their responsibility. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I disputed  XXXX  accounts with  XXXX   XXXX  with the  XXXX  major credit reporting agencies. The results of the dispute was that the accounts from  XXXX   XXXX  were removed  XXXX  file number  XXXX ,  XXXX  #  XXXX  and  XXXX  #  XXXX . The  XXXX   XXXX  accounts were removed. However, beginning in   XXXX  2017    a new company calle d LVNV FUNDING, LLC b egan collections on the removed accounts. The accounts were already removed by  XXXX   XXXX  and should not be reflected by a different company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: EQUIFAX, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Pursuant to 15 USC 1681 ( a ) ( 4 ), 15 USC 1681b ( a ) ( 2 ), and 15 USC 1681a ( e ) Equifax is in violation of 15 USC 1681 Fair Credit Reporting Act which are federally protected consumer rights.

Equifax has violated 15 USC 1681 ( a ) ( 4 ) which states that Accuracy and fairness of credit reporting. The Congress makes the following findings there is a need to insure that the consumer reporting agencies exercise their grave responsibilities with the fairness, impartiality, and respect for the consumers right to privacy. I the consumer have a right to privacy which means Equifax has violated this by reporting these inaccurate accounts on my consumer report.

Equifax has violated 15 USC 1681b ( a ) ( 2 ) which states that ( a ) In General Subject to subsection ( c ), anyconsumer reporting agencymay furnish aconsumer reportunder the following circumstances and no other : ( 2 ) In accordance with the written instructions of theconsumerto whom it relates. I the consumer never gave Equifax any written consent to report anything on my consumer report. No consent is Identity Theft. 

Equifax has violated 15 USC 1681a ( e ) which states that The term investigative consumer report means aconsumer reportor portion thereof in which information on aconsumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of theconsumerreported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on aconsumerscreditrecord obtained directly from acreditorof theconsumeror from aconsumer reporting agencywhen such information was obtained directly from acreditorof theconsumeror from theconsumer. I the consumer would like to state that Equifax has not personally interview neighbors, friends, associates or any else who knows about my character, general reputation or personal characteristic or mode of living. I also want to notify Equifax that there is personal information from the creditor on my consumer report which is also a violation. 

I have enclose the documents for these violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process

Complaint:
I applied for a HELOC with PNC in XXXX. Theres a {$50.00} annual fee. I stated Ive paid enough to PNC in interest over the 8 years Ive had my mortgage. Im not paying an annual fee on my HELOC. I stated Id just cancel the application. 

I was told this would be waived. This was stated over the phone and through email. I am being charged the fee in XXXX. Its not about the amount. Its the principal. I would like to just close the HELOC, but theres a prepayment penalty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My entire experience with Ocwen loan has been extremely difficult. They have returned payments once I fell more than 60 day behind and they advised my bank that it was returned due to an invalid account number. I have been misinformed countless times by reps. My biggest issue is the violation of the Fair Credit Reporting Act. XX/XX/2016 I wired Ocwen {$3700.00} to bring my loan current. I was advised by numerous reps that my credit bureau report will be updated. One rep informing me it would be done immediately. Since XX/XX/XXXX I have checked my credit with XXXX XXXX, XXXX XXXX Free Credit Checked as well as ran free reports from all XXXX Bureaus. My credit has not been updated since XX/XX/XXXX and since XX/XX/XXXX with XXXX. I have disputed this with all bureaus and I have made numerous attempts to resolve this with Ocwen. My last attempts have been with their Escalations Department where they claim my Credit Bureau report was updated XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
Santander  Bank frequently placed " fraud locks '' on my credit card account whenever I made purchases. I frequently had to call in to confirm the transactions. It was very frustrating because it happened often. To be clear, I am the sole user of this card and never had any disputes with the charges on my account. I also never used this card outside my home city.     Sometime in  XXXX    XXXX  ,  Santander Ban k put a " fraud lock '' on my account. This fraud lock was different because I could not resolve it over the phone. They demanded that I physically step inside the branch to resolve the issues on my account.     This is the issue with that request  : Santander Ban k does not operate any physical branches outside th e Northeast Region. I  live in  Chicago. I opened the account online in Chicago, I only ever used the card in Chicago, and I continue to live in Chicago a t this time.     On  XXXX   XXXX ,   XXXX  , I called in to request that my account be closed. The bank continues to refuse any service on my account due to the fraud lock. Again, they demand that I show up in branch.      Santander Bank open ly solicits their products and services to all states, that 's how I was able to obtain an account in the first place. I believe it 's outrageous for a company to expect their customers to travel outside their home state in order to address the issues on their account. I do not like that my account is being he  ld hostage on account of my residency in Illinois.
I have no immediate plans to visit any of the states that fall within Santander 's small footprint. Even if I did, I believe this is an issue that should be addressed by the bank at the policy level.       I will never conduct business with them again.

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 2017-04-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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: Problem with personal statement of dispute

Complaint:
This is a follow up related to CFPB complaint  XXXX . On  XX/XX/XXXX , I filed a dispute with TransUnion to remove an illegal tradeline on my credit report. I provided written evidence from the credit or ( information furnisher )  stating that the account can not be validated. The creditor is unable to verify the information and therefore continued reporting of it is a violation of FCRA statut e 623. Ho wever, they are refusing to remove the information claiming tribal sovereign immunity in an attempt to hold my credit re port hostage and ext ort money from me. I included a copy of this letter from the creditor in my dispute with TransUnion. Less than 48 hours later, TransUnion closed my dispute stating that they verified the account and therefore refused to remove it. This is absolutely not possible as evidenced by the attached letter from the creditor stating they themselves can not verify the account. In response, I opened  XXXX  with the CFPB.     TransUnion responded to the CFPB complaint again stating " We have reviewed your complaint along with the information you previously provided regarding this issue. On  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX , we initiated an investigation into the accuracy of  XXXX   XXXX   XXXX . In response to the investigations, the disputed information was verified or updated accordingly ''. This statement was followed by a parroting of the incorrect and unverifiable information from my TransUnion report. Please review the attached letter from   XXXX   XXXX   XXXX    . It clearly states that they are unable to verify the account in question. How is it possible that TransUnion claims they verified it? Also, by their own admission in this statement, they allege verifying this account on  XXXX  in response to the complaint, however the complaint was n't even opened until nearly a week later. They clearly did not perform any investigation from the CFPB complaint.     TransUnion is in violation of the FCRA in that they are purporting to perform investigations and verifications that they are clearly not doing. Further, they are knowingly and willingly continuing to report negative information that has been proven unverifiable.     According to the Fair Credit Reporting Act, information that can not be verified must be removed from credit reporting. TransUnion is in willful non-compliance with this law. I am again asking for CFPBs help in enforcing the FCRA and having TransUnion remove this illegal and unverifiable tradeline from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-02
Company: EQUIFAX, INC.
State: FL
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:
In 2017 I was a victim of identity theft. I have already sent letters from the FTC, I have called them and I have explained that accounts were not opened with my authorization. Unfortunately, in my physical condition, I can not report to a police station because I have XXXX  of XXXX and I am in bed without being able to walk. For this reason, under the FCRA laws that protect me as a consumer i request XXXX and Equifax to remove all fraudulent account from my credit report attached below thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-03
Company: CCS Financial Services, Inc.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Policy canceled and credit was supposed to be sent to me. Shouldn't be on my credit reports. It needs to be removed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation