vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: Blackhawk Network Holdings Inc.
State: WY

Complaint narrative:
I purchases a {$100.00} Reloadit  pack from XXXX XXXX XXXX XXXX and tried to load funds to my prepaid XXXX card. The Reloadit requires me to open a " digital vault '' with them and transfering funds to vault before loading onto my prepaid card. Well the thing is the company software doesn't work on tablets or smart phones .... ok. So I went to the library and the company software didn't like that it was a public computer. I call Blackhawk Network and they say I'm just not using XXXX   correctly. 

So the reload packs are really easy and convenient as long as you have a desk top computer running only the latest XXXX. They refuse to refund my money even though the card was unopened and they have all my info. They will not issue a refund unless I give them copies of my ID, copies my mailing address, pictures of my mail, pictures of my ID card front and back, and selfie pics. I'm not making this up, they are holding my funds hostage unless I provide enough info to setup fraudulent online accounts in my name with no problem. This company has not attempted to update anything in the last 5 years to allow use of a tablet, mobile or XXXX  device. They refuse to help open a digital vault. They will not do anything without me sending them pics of mail for address verification, pics of state ID and selfie pic. That's more than enough info for somebody to fraudulently trade crypto currency under my name. Never before has a company refused to refund my money unless I gave them sensitive personal info. These guys are a scam and somehow they are allowed to operate across the country taking people 's money with no intention of providing the advertised service. Fraudsters.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
I responded to a letter sent by XXXX XXXX XXXX on XX/XX/2020. I specifically requested to receive the original instrument of validity that would prove that I entered into an contractual agreement with XXXX XXXX XXXX. I ask them to respond within 30 days from the date of the letter. I had to send another letter on XX/XX/2020 because I was sent an email by XXXX XXXX XXXX about an account but I never received any mailings from either one of these companies concerning my original request. The letter dated for XX/XX/2020, I specifically asked again to receive the original instrument of validity in order to prove their claim for collecting on a debt for which they provided no substantial evidence for. On XX/XX/2020, I received email alerts from XX/XX/XXXX XX/XX/XXXX XXXX and XX/XX/XXXX all saying I have a new collection account being reported on my credit file and the account in questioning is Trident Asset Management they reported information to my credit file on XX/XX/2020 that was inaccurate and in direct violation of both the Fair Credit Reporting Act and the Fair Debt Collections Practice Act. Upon filing this complaint I found out that XXXX XXXX XXXX is a passive debt buyer who has stated on numerous complaints that they don't collect directly from consumers but Trident Asset Management does.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
I was a co signer to this loan and when I was notified that my uncle had stopped giving out payments I ask this bank to please repossess the car and i would take the payments over since my uncle was denying to give me the truck for my possession I had asked the financial company to locate and take tha vehicle for me and I would take possession of the vehicle and take over the payments for the remainder of the loan and they had agreed and next time I got a call letting me know the vehicle got sold at auction with out me having a chance to take possession of the car and take over payments I called and complaint about it several times I asked them to pull the recorded conversations they had with me to listen to out agreement and they had denied please help me get this removed from my credit because the creditor failed to comply and give me a chance to remediate the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Stenger & Stenger, P.C
State: MI

Complaint narrative:
Hi there! Back in XXXX I found out I was pregnant. When I notified my job ( warehouse position ) they didn't seem too happy. Things eventually got worse and I was fired from my position. I was able to collect unemployment ( due to being fired for being pregnant ) because my firing wasn't reasonable. At the time, I had 6 open credit cards, utilities and bills. I choose utilities and bills over credit card payments. I informed my creditors that I had experienced job loss. XXXX  XXXX  was supposed to cancel out my account, I would be responsible for the balance and the annual fee only. It is now XXXX and the creditor has since sold the account to a collection agency XXXX XXXX XXXX. They did not once try to call me to collect on this debt. They apparently sent mail to my mother 's address to collect on this debt. My credit limit was {$800.00}. They have now escalated the matter to XXXX and XXXX law firm where they are currently suing me for {$1200.00}. I asked for validity of the debt, I also asked why I was charged {$400.00} in fees and interest on an {$800.00} account. They are unwilling to workout reasonable payments on the debt owed. They want the entire {$1200.00} but im only responsible for {$800.00}. I have tried multiple times to request documentation on this account to see why im being held accountable for the {$1200.00} and not {$800.00} and I'm being told they dont have access to that information. I called XXXX  XXXX, they said they dont have access to that information because they sold the debt to the law firm. I called the original creditor ( XXXX  XXXX ) for a statement balance, he made me aware that my balance was only {$800.00} as of XXXX of XXXX. When I asked why my balance had increased to {$1200.00} when the account should've been cancelled he apologized and stated that the account wasn't closed until several months later and it must've been a glitch in the system. There is nothing he could do about the fees, as the debt had been sold off to XXXX XXXX XXXX who sent it off to STENGER and STENGER lawfirm after not attempting to contact me via phone or email. I would also like to add that Stenger and Stenger law firm offered me a settlement on my first XXXX  XXXX account and allowed me to make payments on the SETTLEMENT amount, not the full balance. I made every {$300.00} payment on time without an issue. They have stated they can not do that now with my other account due to financial hardship of covid. Everyone is experiencing financial hardship due to covid.. Not just big companies. This is just disgraceful and unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: MO

Complaint narrative:
On XX/XX/XXXX by telephone, I revoked my authorization for recurring ACH debit entries to be made to my personal bank account for my monthly payment. I was informed my request was complete for my next recurring payment scheduled on XX/XX/XXXX. On XX/XX/XXXX, the debit was made. I promptly contacted customer service requesting a refund, also inquiring why the draft was completed despite revoking my authorization two weeks prior. I was informed the customer service rep didnt complete my request " all the way through '' and I would need to complete a refund request thru the Accounts Payable department. I swiftly provided the completed form they sent to me via email as well as the supporting documentation ( proof of cleared payment from my institution, details of my call on XX/XX/XXXX, etc ). The representative and paperwork stated the refund would be complete within 5 business days. On the 6th day I contacted customer service in which I received a response that " they hadnt even opened my email '' and could I please resend it. It has now been one month since I revoked authorization and 18 days since I provided the requested documentation to receive a refund due to FlagStars mistake. I have yet to receive a healthy response other than the concern has been escalated. However, over {$1200.00} has been debited from my account without my authorization and any priority to assist in returning the funds promptly. I would like for their processing to be reviewed and held to NACHA guidelines as well as other authorities for ACH processing, customer service is poor and misleading to say the least. Even after speaking with 3 members of management my request has fell short. My mortgage has since been satisfied as a result of a refinance that prompted the ACH revocation in the first place and I am concerned I will not receive my payment in full as it will be included into an escrow refund and overage of payment, minus interest, etc. To debit a consumers account for $ XXXX during such challenging times creates an extreme financial burden. I hope escalating this concern to the CFPB will aid FlagStar in reviewing thier process for future consumers to not experience the extreme concern and frustration that has resulted from the numerous calls and emails I have had to complete to still not have any healthy updates over 3 weeks later and a month from initial request ... For a mistake made on their end.

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 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was specifically looking for a prequalification, which only requires a soft pull. However, XXXX XXXX, XXXX XXXX, XXXX # XXXX did a hard pull on my credit without asking for my authorization.

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 2020-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NJ

Complaint narrative:
I was specifically looking for a prequalification, which only requires a soft pull. However, XXXX XXXX, XXXX XXXX, XXXX # XXXX did a hard pull on my credit without asking for my authorization.

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 2020-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I dont remember tur date but I had had this credit card for years always on time I had set myself a goal to pay the account off so I had shred it the card and paid the entire thing off next thing I know I got a call stating I owed over {$1600.00} and i told them this was impossible since had paid off the card off and I told them I didn't even have a card for years now with them and they send me alot of charges that assure it was me when I told them that maybe someone got ahold of my credit card and used it for a long time with out my consent and they said that those charges where made from me when there where charged in california when I was here in XXXX and I had not gone to california in years also there where alot of XXXX and taxi charges when I had 2 veichles of my own not needing to use those services. Their response was telling me that those are my charges and wanted me to pay them the fill amount I even offered to pay them the total charges in a payment plan which was below {$500.00} which was the total charges someone used my credit card the other {$1100.00} was just intrest charges and late fees adding up to over {$1600.00} and they said no that I had to pay them for the full amount this is not fair since I didn't make these purchases. 

This account was opened XX/XX/XXXX and it was closed on XX/XX/XXXX over 11 years ago

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 2020-06-28 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Capio Partners, LLC
State: TN

Complaint narrative:
I frequently monitor my credit and discovered two collections charges from Capio Partners. One charge is for {$1500.00} and one for {$1500.00}. 

I called the collection agency to see what these charges were about and was told it was for XXXX XXXX provided in the state of XXXX. I have never received medical service in XXXX! It is obviously not me but no one will remove these charges. I have filed a complaint with my local Sheriffs office in XXXX XXXX  but not sure that does any good. Please help as Ive worked hard at maintaining near perfect credit and this is hurting me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I have a mortgage with NewRez for a newly purchased home. Myself and my insurance agent have both provided my insurance policy information to them. I have tried writing to them and requested they correct their records to reflect my homeowners insurance. NewRez has yet to update their records and are now attempting to charge me for a policy that they took out to insure my home. They keep sending me letters advising I don't have insurance on my house, when I in fact do. I'm not sure what else I can do as my insurance and myself have provided the information to them and they still fail to update the information on there side. I feel as if they are intentionally not doing so. I believe they may get a quick back from the insurance company they use and therefore are intentionally trying to charge me and are not operating in good faith.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
CAPITAL ONE BANK USA N XXXX {$500.00}. This account is an result of identity theft. I have no knowledge of this account. I have reached out to Capital One in reference to this account. Iam unable to open my own account because of this account. Capital one refused to help. This is a violation of the fair credit reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX, I refinanced my home with Citibank mortgage company. During the refinance it included for my house taxes to be paid. They are due XXXX and XXXX of each year. It is documented in the closing papers. I realized in XX/XX/XXXX, my taxes was not paid. I reached out the mortgage holder now XXXX XXXX XXXX ( thru Citbank ) and the title company XXXX, XXXX. Thru many phone calls between agencies it was it resulted in finding out that XXXX County government never received the check from XXXX, XXXX. in XX/XX/XXXX. I began calling XXXX many times in which finally I spoke with XXXX XXXX who acknowledged that it was not paid and resent the check to XXXX county government on XX/XX/XXXX. But, at that point there was a late fee. So, XXXX county government only accept monies at the exact amount. XXXX County government sent the check to me on XX/XX/XXXX. I then called XXXX again to explain the situation. XXXX then offered to get the money wired to Citibank on XX/XX/XXXX. I continued to check my account and the money was never issued. I call twice a week every week to XXXX and also spoke several times to a supervisor XXXX XXXX which on XXXX XXXX he stated he sent the money to Citibank again. To date the money is not in my escrow account!

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 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX  XXXX XXXX XXXX {$500.00}. This account is an result of identity theft. I have no knowledge of this account. I have reached out to XXXX XXXX in reference to this account. Iam unable to open my own account because of this account. XXXX  XXXX  refused to help. This is a violation of the fair credit reporting act.

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 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: AR

Complaint narrative:
LENDING CLUB CORP XX/XX/2019 {$8500.00}. This account has been paid in full. Ive asked for this account to be removed. because balance was -paid. lending corp has agreed but this account is still on my credit report. This account has caused me an financial set back. This company is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MN

Complaint narrative:
I made over 120 payments while working in XXXX  XXXX I am told the payments didn't count.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX XX/XX/2019 {$8500.00}. This account has been paid in full. Ive asked for this account to be removed. because balance was -paid. XXXX XXXX has agreed but this account is still on my credit report. This account has caused me an financial set back. This company is violating my rights.

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 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX FKA XXXX {$780.00} XX/XX/2019 This account is an result of identity theft. I have reached out to this company several times. No result can you please help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX {$780.00} XX/XX/2019 This account is an result of identity theft. I have reached out to this company several times. No result can you please help in this matter.

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 2020-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX  {$240.00}. This account has caused me financial ruin. I have asked this account to be removed. XXXX XXXX XXXX  said this will be removed. which didn't happen they have only closed the account. because it was open in error

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX XXXX XXXX {$240.00}. This account has caused me financial ruin. I have asked this account to be removed. XXXX XXXX XXXX said this will be removed. which didn't happen they have only closed the account. because it was open in error

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