BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-24
Company: Blackhawk Network Holdings Inc.
State: CO
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I placed an order with XXXX for appliances in XX/XX/XXXX. I filled out and mailed a rebate form for a {$120.00} Visa Debit Card for purchasing XXXX washer and dryer that was part of the order. I received a debit card through the mail sometime XX/XX/XXXX. I did not activate the card. In XX/XX/XXXX, I received a letter in the mail from Blackhawk XXXX notifying me that my debit card may have been compromised and they were sending me a new card which I received in XX/XX/XXXX 
Around XX/XX/XXXX, I went to the myprepaidcenter.com web site to activate the card. I discovered only {$2.00} credit remained on the account. I called a Blackhawk representative and he stated that two purchases were made on the XXXX web site on XX/XX/XXXX in the amount of {$83.00} and {$39.00}, respectively. The representative told me he would send a dispute form in the mail for me to fill out and once received by XXXX, the account would be credited the full amount of {$120.00}. 
I never received the form, so I called again on XX/XX/XXXX. This time I spoke to XXXX XXXX. She said she would email me the form that day. Once again, I was told to just fill out the form and my account would be credited the full amount. I filled out the form and tried to fax it along with supporting documentation numerous times over XXXX days XXXX XXXX XXXX and XXXX XXXX ) to the fax number provided. Everything worked fine on my end, but when the fax machine connected on their end, nothing would happen and the transmission would time out. I sent an email stating the problem but did not get a response. So I emailed the dispute form and also mailed it to the address shown in the instructions. 
I did not hear back from Blackhawk so I called them on XX/XX/XXXX and spoke to XXXX. He said Blackhawk received the dispute form and his management are reviewing the dispute and will contact me within XXXX business days. I never heard back from Blackhawk. 
Around XX/XX/XXXX, I then received two notifications dated XX/XX/XXXX in the mail from Cardholder Services stating that they had sent me a letter concerning the unauthorized activity on my account ; then stating that since they did not receive my inquiry ( which they never requested in their letters ) within the timeframe allowed to pursue the dispute the claim has been closed. Each letter was for one of the two XXXX purchases. 
I feel this has been a scam all along. I never activated the original card, but yet someone allegedly used the account to make the two purchases on XX/XX/XXXX Blackhawk never indicated at the beginning of this issue that I had to fill out a dispute form. They just sent me new cards and never indicated I had to fill out a dispute form. I had to initiate the discussion with Blackhawk to find out they wanted the dispute form and then it took effort and time to finally get it to them. Then they say my dispute form was received too late. Something is amiss.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-31
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-02-07
Company: Professional Finance Company, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
On or about XXXX I sent a letter to creditor requesting information regarding the alleged debt ( originator, amount, authorization ). On XXXX I received a letter from the creditor stating that the account would be removed from my credit accounts. As of this statement the account was removed from XXXX credit bureau but remained on XXXX others- XXXX and XXXX XXXX I will attach the correspondence from creditor showing they agree to remove this account from all credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: Blackhawk Network Holdings Inc.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My prepaid debit account managed by Blackhawk Network was shut down XXXX months ago. I had $ XXXX on that prepaid card and it is locked. They told me that a check would be sent out, but it has been so long. Numerous phone calls have not been returned. Why are they holding onto my money for so long??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-20
Company: The CMI Group, 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 was paid

Complaint:
XXXX XXXX XXXX has been sending letters and calling me stating I did not return my cable box. I returned the box when service ended and obtained a receipt that I faxed over with my dispute to the original debt collector. This must have been sufficient as I did not hear from any other debt collectors for over a year. Within the past few months I started receiving letters in the mail from a different debt collection agency, so I assume the debt was just sold to a different agency to try and collect on a false debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
While reviewing my XXXX, XXXX and XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by CAPITALONE AUTO FINANCE on XXXX/XXXX/2016. I did authorize any employee of CAPITALONE AUTO FINANCE to review my records for any purpose at any time. This inquiries are fraudulent and constitutes gross negligence on the part of the CAPITALONE in clear violation of my civil rights under FRCA and Privacy Rights. As a direct result I have continued to suffer discrimination and irreparable economic loss including but not limited to denial of meaningful employment.housing and /or obtain new credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CCS Financial Services, Inc.
State: WA
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:
Credit Collection XXXX informed me that I owe XXXX XXXX XXXX {$210.00}, but in my communication with XXXX XXXX, I do not owe them because I already settled and closed the account, and also the account is already under a different name and a different address and that person is the one who have an unpaid balance in the amount of {$110.00}. I emailed and fax them to let them know about it and explain to me why they think I owe XXXX XXXX, but I do not receive any answer from them, and probably they are the one who always call me and put me on hold every time I answer the call ( XXXX )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Shellpoint Partners, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage servicing was transferred to Shellpoint Mortgage Servicing on XXXX XXXX, 2016. My loan balance on XXXX XXXX, 2016, prior to the service transfer, was {$290000.00}. After the transfer, Shellpoint recorded my loan 's balance as {$720000.00}, missing {$420000.00} in transactions that posted in XXXX, prior to the transfer. Working with them to resolve the incorrect opening balance took many phone calls and emails. The missing transactions were finally applied to my account on XXXX XXXX, 2016. However, Shellpoint recorded the missing transactions as having occurred on XXXX XXXX, 2016, resulting in accruing interest against {$720000.00} for the 16 days, about {$1000.00} more than should have been. I have made many attempts by email and by phone to resolve this issue. My emails have remained unanswered, and my phone calls resulted in a relayed message from a loan officer stating that the interest calculation is correct. I left a message with loan officer to return my call and followed up with another email. They are refusing to correct the dates of the transactions that occurred prior to XXXX XXXX, 2016.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: Navient Solutions, LLC.
State: VA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Navient has repeatedly and frequently called my place of employment after being told by my employer that I may not receive any calls outside of emergency calls on this line. I removed this number from my account information, although I do not know how they even got this number as I never give it as a contact method, and they still continue to call my place of employment up to XXXX times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: Shellpoint Partners, LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have had a mortgage with XXXX XXXX for 20 years with no problem. 
Two months ago it was sold to Shellpoint Mortgage. They have not paid my real estate taxes with my escrow account. The town sent me a letter stating taxes were not received and I will get a 1 % penalty for late taxes. Also Shellpoint said they never received my XXXX payment. 
My XXXX account has me making the payment on XXXX XXXX of last year. Today I got a statement for last months mortgage payment and this months payment with a penalty for being late. Shellpoint states they paid taxes on the taxes on XXXX XXXX. The town said they have received nothing. No one at at Shellpoint returns phone calls to help rectify the problem.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: EQUIFAX, INC.
State: FL
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:
In accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681. 

Account Name : XXXXXXXX XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX ( XXXX XXXX XXXX ) # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX XXXX # : XXXX, Account Name : XXXX XXXX XXXX XXXX  # : XXXX Account Name : XXXX XXXX # : XXXX, have violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
This company is on my credit report for a XXXX bill that I do not recognize. On XX/XX/XXXX I sent them a dispute requesting that they validate the debt and prove that it belongs to me. As of today, I have never received anything from this company in writing providing proof that this debt belongs to me, nor did I receive anything prior to them placing it on my credit report.  On XX/XX/XXXX, I notified the credit bureaus that had requested debt validation and that I had not received nothing, with the hopes that they would have the agency validate with me. At that time they opened a dispute and 48 hours later I was sent notification from XXXX  hat the debt was updated as valid. I am asking for help because am wondering, how can a debt be deemed valid if I have never received validation, even after sending a request in writing. FCRA says if the debt is not validated within 30 days the bureaus must remove said debt and that is what I want done.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX my husband received a notice that we needed to call Capital One 360 due to some questions about recent activity. Since it is a joint account I called support who, after a 45 minute wait, indicated that an unauthorized person had logged into my husband 's account. As directed by support, my husband ran a Spyware scan and verified that his computer was not infected with spyware and sent the scan to their fraud department. Two days later when the joint account was still locked my husband called to have the account released. He was unable to reach anyone in the fraud department and was told he would receive a call back within 24 business hours. It has now been over a week and still no call back. 

I have attempted to transfer money from the joint account and Capital One 360 is preventing access to my funds until their fraud department talks to my husband. However, after over a week my husband can not gain access to anyone in their fraud department. 

It is a joint account and I am being prevented from accessing my funds. 

It has been over a week and we are unable to reach anyone who will release our funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am an Identify Theft victim and I was recently forced to hire a company to assist me in removing fraudulent files from my credit reports. 

After a thorough review of my reports, I noticed that Capital One had placed an inquiry to my reports on XXXX. 

After speaking with representatives from XXXX, I was told to notify Capital One in writing and wait for their response. Once I received a response, stating that the inquiry should be removed, I was to forward it to XXXX. This is their procedure for removing a Hard Inquiry. 

I sent a certified letter to Capital One and it was delivered to them on XXXX XXXX, 2015. The letter asked them to either remove the hard inquiry from my credit report or send me proof that I had given them permission to run my credit. 

On XXXX XXXX, 2015, I received a response from Capital One. However, the letter I received did n't indicate whether I had applied for credit with them. It was informing me of the different types of inquiries, which I already had knowledge of. So, I contacted them by phone and was told that I had multiple accounts with them and one is presently documented as a paid closed account on my credit report. I asked the representative if she could forward me any information regarding these accounts and after nearly XXXX minutes on the phone, she encouraged me to communicate with the credit bureaus. 
I have never had an account with Capital One and I have never applied for credit with Capital One. 

Therefore, I am filing a complaint CFPB, hoping to get a successful resolution of this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13
Company: Collection Bureau of America Ltd.
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:
In XXXX XXXX, I received a collection letter from Collection Bureau of America referencing a past due XXXX XXXX account in the amount of {$350.00}. The letter listed a service address in a city in which I had never lived ( XXXX, CA ), At the time I had been XXXX for 19 months and had not had a XXXX XXXX account since XX/XX/XXXX. I had never heard from XXXX XXXX prior to this, so this was clearly an administrative error or someone else 's account with the same name. I immediately disputed the letter in writing in a letter dated XX/XX/XXXX. In the letter, I pointed out that this was not my debt, explained how it could not be my debt, and requested that they provide me 1 ) the amount of the original debt ; 2 ) the name and address of the creditor to whom the debt is owed ; 3 ) verification of any judgment ; 4 ) proof that they are licensed to collect debt in California, and 5 ) proof of the last payment on the account. 
I received a second collection notice dated XX/XX/XXXX repeating the initial threat of collection, presumably prior to their receiving my letter of dispute. I then received a third letter dated XX/XX/XXXX acknowledging my dispute. At no point did the collection agency provide items XXXX, XXXX, or XXXX as I had requested, and I never heard from them again. 
On a recent XXXX credit report, I noticed that this collection was listed as negative information. It appears that Collections Bureau of America ignored my dispute and proceeded to post this erroneous information to the credit reporting agencies, damaging my credit rating despite the evidence that this was never my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One Bank is having their lawyers sue me over a debt that has numerous charges I do not reconise. The last three times I sent dispute letters to Capital One I do not get a response. The first letter had a lot of charges I was in dispute with the second and third had a few more. 

I am an identity theft victim and Capital One is failing to get information changed. I have stated numerous times I have many problems with what they say I owe. So they are lknowingly going after me while I am and always have been in full dispute of this debt with fraudulent charges still on it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-03
Company: Shellpoint Partners, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received mortgage assistance from the State of Arizona through the Hardest Hit Fund program. As a result of this assistance my mortgage was brought current. However, through errors in application of the assistance payment by the servicer at the time XXXX XXXX XXXX XXXX the loan does not reflect as being current. I attempted to resolve this with XXXX XXXX but the loan was transferred to XXXX XXXX company and now it has been transferred to Shellpoint Mortgage Servicing. Yet after to CFPB complaints and a lot of time and effort this is still unresolved. Mortgage still shows as past due when it should be current.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
Capital One unethically procured my credentials from credit bureaus and kept performing " prescreening '' or credit check on my account WITHOUT my consent. I kept getting promotional offers almost twice a month for about 8-10 months. The communication was never clear about the clandestine prescreening checks being made frequently. This could severely affect my credit history and limit my access to financial resources in my hour of need. I wish that CFPB takes stern action against Capital One and I demand an apology from the credit card company. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: DFC Global Corp.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
This issue is regarding a business check that I cashed at money mart XXXX California the XXXX store they charged me XXXX percent of XXXX $ when they were only supposed to charge me 3 % they refuse to pay back the7 % difference because I did n't catch the mistake before I left the store, the money was put on a XXXX visa card and XXXX $ cash was given to. Me as well for cash back from purchase .i was supposed to have been contact by district manager on XXXX she failed I finally tracked her down around XXXX XXXX she said nothing she can do.my budget was going to allow me to by a used car with that portion of the cash now I ca n't and I need transportation please HELP!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: The CMI Group, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They sent me a letter - we told them many times that this is not mu debt but they will not stop.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation