vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CMI Group, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX To Whom It XXXX Concern : XXXX XXXX XXXX XXXX Please be advised that I have received your correspondence. This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days. Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Please know that everything must match Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity. 
I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario. Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you. 
Awaiting your reply in a timely manner. 
Sincerely, XXXX, XXXX XXXX XXXX # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX CT XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I placed a credit freeze for myself and my wife through Experian and the other 2 major bureaus XX/XX/2017. In a review to ensure my freeze is still valid, I tried logging into each bureau. Experian does not recognize me or my spouse. I have tried for 2 days to contact them via phone, which you can not get a human to answer and social media. No response. The login information I have recorded is correct. I paid {$10.00} per person and now have no idea if a freeze is in place or not.

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 2018-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I was told by my lender that I refinanced by loan in XX/XX/2006 but that is not true. My payments continue to increase and my balance is not decreasing. I am not going to own my home if they do not fix the problem. My principal balance is too high for a home I have been paying on for over 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Credit file dispute with Equifax ( Confirmation # XXXX ) was submitted onXX/XX/2018 in regards to a wrong address listed on my report of XXXX XXXX XXXX XXXX, PA XXXX. Sent all requested information via XXXX on the date of the dispute as requested. I have never resided at this address at any time in my adult life. Received mailed notice that the address was deleted and the address is still showing on my credit file as of XX/XX/2018. Submitted second dispute today ( Confirmation # XXXX ) requesting that I send requested documentation a second time. Duplicitous request and first dispute was never updated as stated in received dispute results letter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 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: AZ

Complaint narrative:
Both my wife and I have student loans which are being handled by Navient. Neither of our loans were being handled by Navient initially, but were purchased after some years, mine about 2 years ago. My previous loan holder was XXXX. What is happening is either misallocation of funds or something worse. When XXXX sold my student loan debt to Navient I had prepaid my balance by over two years ; meaning my due date was not officially for over two years. I was still making my payments, in fact I like to make two equal payments each month to reduce interest and to level out my cash resources as my student loan payment is my largest monthly bill. Upon purchasing my debt, Navient did not grant me the two years prepaid status I had achieved at great sacrifice. When I called Navient upon how I could ask them to give me that prepaid status I was given vague instructions on how to send a letter to someplace I'm not sure even exists, the online form certainly does not exist. I have called the company on multiple occasions so far and each time they " add back '' a couple of months prepaid status. But that status should advance with each full monthly payment I make, but it does not. In four months and with four full monthly payments made, plus an additional amount adding up to at least on extra payment, I have a due date of the end of this month. This even wouldn't be the end of the world, even though having that prepaid status gave me a great deal of relief in these uncertain financial times, but their system will not let me make partial payments if they are not the minimum due! My minimum payment is just under $ XXXX. I like to pay between {$800.00} and {$1000.00} TWICE a month depending upon cashflow. Their system will not let me pay that way if I have a due date of the current month because they say it has to be at least as much as the minimum payment due and their system can not recognize that I am actually usually overpaying by $ XXXX. So not only are my overpayments not continuing to advance my due date. Not having my due date advanced does not allow me to take control of my debt and pay it off the fastest, least interest accrued method available to me. But it does not benefit them for me to pay off my loans quickly and I am getting very sick of spending my time on the phone with a representative who does not have the authority or the know-how to fix my problem and often difficult to understand. The problem is the web site and likely dubious legal practices in allocating my funds that Navient is already being sued for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Mailed Experian dispute 2 times to remove all obsolete out dated personal information on XX/XX/XXXX was the last time I mail it again it is still on my report and they have updated after i requested this. there are 11 old addresss to be removed6 names to be removed,2 phone numbers, spouse remove.empolyers 2 remove. please remove this items on the list I sent you twice it is inaccurate reporting on my credit report XXXX XXXX XXXX remove it its not my account letter enclosed stating this. you Experian I tried calling put you do not take calls so this is my only course of action letters don't seem to work

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 2018-09-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: TX

Complaint narrative:
Today I logged on to see my student loan account online on Nelnet. I have been mailing my monthly payments for the amount requested on my account statement I get every month from Nelnet.

Nelnet has been the new loan service provider since early this year ( XX/XX/XXXX or XX/XX/2018 ). I was shocked to see that since XX/XX/2018 until today ( XX/XX/2018 ) 100 % of my monthly payments have been applied to interest only - and per Nelnet Customer service this will continue every month. I understand that usually a large portion of the monthly payment goes to interest ( even though I've been paying these students loans for over 10 years now and the original principal is greater because some interest have been capitalized ) but the payment history shows since Nelnet took over my student loan, Nelnet has not been applying ANYTHING against the principal.

I called Nelnet today XX/XX/18 and was informed that payments are being applied according to my payment plan. How did Nelnet decide that? Again, Nelnet took over my student loan ( without my consent, I never signed anything with Nelnet ) and apparently has started to apply the payments differently than the previous company that had my loan. The company that serviced my student loan before Nelnet did apply a portion of my monthly payment to the principal. How can I ever finish paying my student loans if my payments are applied to interest only. Again, the amount I'm paying is what Nelnet is asking me to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
XX/XX/XXXX US Bank closed claim # XXXX because they needed my authorization to continue as a 3rd party was involved. I called and gave them my authorization and was told that the case had been re-opened. It was not. 

I also resubmitted the case as I was told to do by the CFPB operator, claim # XXXX - this subsequent claim was closed as a duplicate. This is NOT a duplicate claim. I received NO ANSWER from US Bank as to why US Bank kept my money. 

US Bank is in possession of money that should have been immediately returned to me. I want it now. On XX/XX/2018 US Bank was negligent in accepting a {$78000.00} wire transfer to an account with a different name on it than the one specified in the wire transfer by the sender. On XX/XX/2018 I, the sender, alerted law enforcement to the crime. I sent a service request through XXXX XXXX XXXX to freeze the receiving US Bank account and get the {$78000.00} back as there was evidence of criminal activity. The account was immediately frozen. On XX/XX/2018, 5 days later according to US Bank 's own bank statement obtained from the receiving account owner and the investigating detective, there was {$48000.00} in the frozen account - please see the attached bank statement. On XX/XX/2018 US Bank returned only {$23000.00} to me, the victim of the crime. US Bank kept {$24000.00} of my, the victim 's, money. Where is the remaining {$24000.00} that was left in the receiving account at the time it was frozen? That money should be immediately returned to the sender who alerted US Bank to the crime, fraud and negligence. 
The recipient of the money informed law enforcement that he did not get any money back from US Bank after the money was frozen per my request.

US Bank illegally kept {$24000.00}.

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 2018-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Account information incorrect
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA has a glitch in their backoffice auto-payment system that caused one of my payments to be 30 days late. USAA will not take failure ownership. USAA has a glitch in their backoffice auto-payment system that caused one of my payments to be 30 days late. USAA will not take failure ownership. USAA will not PUBLICLY acknowledge that their system has a problem and has refused to correct the late payment credit reporting on my account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX WFXXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by  identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt  requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious WF/XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Netspend Corporation
State: CA

Complaint narrative:
On XX/XX/2018 I received a text message telling me that a purchase was made in the amount of {$220.00} at XXXX XXXX. I called Netspend immediately to report the transaction and to have my card cancelled. On XX/XX/2018 I received a letter from Netspend stating that they did not find that any error had occurred. At that point I called XXXX XXXX to find out who purchased the ticket and where they flew from and to. I found that the ticket was purchased in XXXX, XXXX by a male named XXXX XXXX and that he flew to XXXX. I live in XXXX, XXXX which is near XXXX and have never been to Texas and did not authorize this purchase and have never heard the name XXXX XXXX. I relayed this information to Netspend and was told that they would investigate it further. This was about a month ago. I have called and requested for their Fraud Dept. to call me back and have not received a call back. It seems that they do not have a direct line for you to call for their fraud dept. I made another request today and as of yet have heard nothing.

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 2018-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX RADIUS GLOBAL SOLUTION XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report.

I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information.

The reference items are listed below please take this matter very serious RADIUS GLOBAL SOLUTION XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL 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 2018-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIZENS FINANCIAL GROUP, INC.
State: WA

Complaint narrative:
I have attempted for months to close my account which this bank compromise my security. I've tried for months, now they are charging me fees. I want this acvount closed and have no apparent route to do so. I can no longer seem to log into my acvount either. The call center are way too sensituve and wait with their finger on the hang up button. They are completely unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX ENHANCED RECOVERY CO XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft.

( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity.

A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious ENHANCED RECOVERY CO XXXX XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of XXXX Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX SOC SEC # XXXX DOB XX/XX/1994 ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation