vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-21 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: SC

Complaint narrative:
Enroll in saving program of Netspend full-out direct deposit form was email receipt of deposit tried to check balance and have receipt of no balance negative XXXX on receipt but bot deposit available balance shows up in account XXXX routing XXXX XXXX XXXX XXXX expiration date XXXX CVS XXXX registered with XXXX card ending XXXX XXXX. XXXX balance FDIC insurance company

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 2017-08-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: PA

Complaint narrative:
Being under state care my emergency room bill was paid at XXXX XXXX XXXX Hospital of XXXX and verified by myself and hospital. I sent in proof multiple times and even once had actually drove to the hospital and had the billing department call. They just ignored all of this never responded to any letters and now added the charge to my credit report and keep adding a dollar increase. This is a second and possible third violation this company is performing. I disputed with the credit bureau but feel they need to stop hurting other people with illegal tactics. This is ongoing since XX/XX/XXXX and hospital bills doctors are all clear I suffered a XXXX XXXX in XX/XX/XXXX so this bill is so wrong. They now are claiming XXXX and keeps going up. Wakefield and Associated which has numerous complaints all attempts to call them ended in them hanging up pretty much saying someone would look into it and obviously never did.

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 2017-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
FROM XX/XX/XXXX TO XX/XX/XXXX Making payments to XXXX at {$300.00} a month starting in XX/XX/XXXX. When the Student loan forgiveness act was to be introduced they created Navient to handle services, avoiding the forgiveness act. 

Being a XXXX XXXX i am eligible for dept forgiveness after 10 years. I am currently 7 years from retirement. I believe they deliberately split Navient off to continue to reap gains on payments thus taken the onus off them! In steps Navient to continue to deny any payment to the forgiveness act. 

They say the only way is to refinance. In steps XXXX through XXXX XXXX XXXX. 


Its a shame that the XXXX XXXX XXXX let this happen, corprate greed has destroyed this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I never signed up for a citi bank credit card, but my ex somehow has me on his account and a card in my name that is reporting on myour credit score ... it went through collections and was charged off and I have not one thing to do.with it. I have called and can not get any information as to why this was allowed, how it happened, and how I can resolve it.

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX XXXX XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX XXXX XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX XXXX XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Continental Finance Company, LLC
State: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit  Bureaus. XXXX/CONTFIN is still reporting on XXXX, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/CONTFIN requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/CONTFIN to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. MABT/CONTFIN is still reporting on Equifax, XXXX, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX  requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/XXXX is still reporting on XXXX, Experian, and XXXX credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 2017-08-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am the victim of identity theft. I have Fraud Alerts and Security Freezes placed on all 3 of the Credit Bureaus. XXXX/XXXX is still reporting on XXXX, XXXX, and TransUnion credit bureaus, an alleged debt that i owe them. I have sent 2 certified letters to XXXX/XXXX requesting, then demanding that they show validation that the debt is mine, i.e., an original contract with my signature. They have failed to provide me with any validation, and in one response, they indicated they were above the FCRA and FDCPA, and " were n't required to provide me with any information ''. They also, in further violation of the FCRA, failed to provide the remarks, " account in dispute '', or any words to the effect, within the 30 day time limit. I have proof of those responses, and time-dated copies of my Credit Report, after 30 days of them receiving my certified letters, to show the court if need be, and this can be easily won by me through litigation but i thought i would try one last time to allow XXXX/XXXX to do the right thing. I am including proof of my identity theft, as i purchased my Credit Report several months ago with XXXX and it was revealed that another person had used my social security #

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 2017-08-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am writing in regards to Citi Bank offering me a balance transfer at one offer, but fulfilling it under different terms than offered. I was offered a balance transfer ( Balance Transfer Offer 4 )  under the terms of 0 % until paid in full with no transaction fee. I took advantage of this offer and completed four ( 4 ) balance transfers, and I have attached screen shots of the offer on my account and screen shots of the completed transfers on the Citibank website. I first completed a Balance transfer in the amount of {$2000.00} on XXXX XXXX. ( Attachment BT Citi ). As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX I completed a balance transfer in the amount of {$4200.00}. ( Attachment BT Citi XXXX ) As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. On XXXX XXXX, I also completed a balance transfer for {$8000.00} under the same terms On XXXX XXXX, I completed another transfer in the amount of {$5000.00}. Attachment BT Citi XXXX. As you can see, the rate is clearly offered at 0 % until paid in Full with no transfer fee. The offer was made available to me upon logging in to my account online and I took advantage of this several times. However, upon receipt of my statement, the balances were not fulfilled as offered. The Balance transfers did post with no fee and did post at 0 % however, the term of the balance transfer is listed as expiring in XXXX of XXXX. Clearly, this is not the offer I agreed to and is not what was offered and is evidenced by the enclosed screen shots. I have attached evidence of this. I should have a balance of XXXX at 0 % until paid in full as marketed and agreed to by me when completing the transaction. I would never have taken advantage of an offer as posted to my account, as I currently have a 0 % rate on my account until XXXX of XXXX. Citi Bank continues to harass me. This is just another instance of false and misleading statements and marketing lies perpetrated by CitiBank. Citibank should be required to honor the 0 % rate on all of my balance transfers until paid in full as offered to me and as agreed to by me.

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 2017-08-21 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: Patenaude & Felix A Professional Corporation
State: NV

Complaint narrative:
On XXXX XXXX, I came to a settlement agreement with XXXX XXXX XXXX, a representative of the collection firm Pateneaude and Felix A.P.C. concerning the listed file number. I was forced to reach an agreement with this representative due to XXXX XXXX refusal to work with me. My contact through XXXX XXXX was XXXX XXXX and it was difficult to reach him and get responses or answers in a timely manner. While his letter referred me to Pateneaude and Felix to resolve the account, I had on more than 1 previous occasion rescinded any rights to transfer my information or account outside of XXXX XXXX. As a result of forcing my hand, per the attached settlement letter, the amount of {$4100.00} was paid in 2 installments of {$250.00} on XXXX XXXX and {$3800.00} on XXXX XXXX as the enclosed copies of the payment receipts show. As a result of my payment in full, I contacted XXXX on XXXX XXXX, XXXX at approximately noon to request an immediate paid in full letter to be emailed to me at XXXXXXXXXXXX as soon as the payment had cleared. This representative became rude when I stated that I wanted the letter to be sent to prevent any additional fees to be suddenly added after my final payment. The final payment cleared my bank as of XXXX XXXX and 2 weeks have passed with no letter of confirmation of payment in full. I felt very threatened when XXXX had a court appointee bang on my front door hard enough to dent the strike plate and damage the latch in order to issue a summons at the beginning of this entire confrontation with a letter in the summons dated from XXXX XXXX, XXXX and presented to me on XXXX XXXX, XXXX. On my initial contact with XXXX, I expressed my complaint at the way the summons was served and that my wife and I felt threatened at the scare tactics used. His response to me was Im a lawyer so I know the law and I dont care what you do and his language was very confrontational and his statement about the aggressive tactics were to get my attention. I am requesting a completion of payment and paid in full letter in accordance with my request to XXXX and in accordance to the total in the agreement letter to be mailed within 24 hours of your receipt of this certified return receipt letter. This letter and its accompanying documentation will be mailed to both Pateneaude  and Felix and XXXX XXXX and will be retained for any possible future action that might be needed. I will be notifying the Better Business Bureau and the Consumer Finance Protection Bureau about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
My XXXX school loans were bought by Navient. Since that time they have done many things to mislead me and make it nearly impossible to pay off my loans. I had an Income-bsaed repayment plan. Twice in XXXX, I attempted to give them my updated information to increase my payments. They told me that they would not accept it until the next time my Income-based plan required it. They essentially would not allow me to increase my payments and recommended I just pay extra each month ( effectively eliminating the point of autopay ). I then tried to refinance my loans through XXXX because Navient was so terrible to me at every turn. XXXX paid them my full loan amount. Navient miscalculated " interest '' that I owed and took {$11000.00} of the pay off amount. This left me with a new loan with them for {$11000.00}. I received no notification of this. I then got a check in the mail for this amount with no explanation. Essentially, they are hoping that I do not realize what this check was for and cash it, leaving me with a new loan with Navient that they can continue to make money off me with. I did not sign any Master Promissory Note for this loan and never received any correspondence about this new loan. Navient is purposefully trying to mislead me and continue to make money off of interest. I have tried to not be their customer any longer, but it is nearly impossible to get out from under them.

Company response to consumer: Closed with explanation