vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
USAA Savings Bank sent me a letter on XX/XX/XXXX stating that approximately {$180.00} restitution was due to be returned to my USAA Federal Checking Account resulting from a CFPB Audit that was completed. 

I have been asking my bank ( USAA ) since XX/XX/2019 when will my restitution be deposited into my account. Since XX/XX/2019, USAA Federal Bank has informed me that they can not provide me with a date that my restitution will be deposited into my checking account since its up to CFPB to inform USAA. 

Can you please let me know if this is true? Can you please let me know when my restitution resulting from your audit of my bank USAA will finally let me receive my restitution? Would this restitution include any interest that might have been added since XX/XX/2019 if I had received this restitution on time? 

If CFPB is " holding '' up my audited restitution funds, what date can I expect to receive these funds deposited into my USAA Checking account? 

Thank You, XXXX XXXX, XXXX, XXXX ( XXXX ) XXXX-XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I was purchasing event tickets online through XXXX in the amount of {$400.00}. The seller asked me to send funds using the XXXX app which I had not used before. Once the money was sent, the seller would not respond to me texts or calls and blocked me and I never received the tickets. I would like assistance getting my money refunded by Citibank. They offer the XXXX service through the Citibank app. 
Please advise and thank you.

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 2019-04-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I've received numerous letters from this debt collection service, with conflicting messages. Based on a phone conversation I had with them and instructions they sent in their follow-up, they requested : 1. I send a formal note disputing the debt. I did this. 
2. Get a notarized affidavit that I was a victim of ID theft during the period the debt was incurred. I did this. 
3. Provide a police report. I did this. 

They closed 2 of the 4 collection accounts, but for the remaining 2 responded that the documents I provided were either not complete or not legible. What kind of XXXX XXXX is this? How was it complete and legible to resolve 2 accounts, but not for the remaining 2. 

Here are the accounts in question : XXXX XXXX : Account : XXXX XXXX Ref No : XXXX XXXX XXXX XXXX XXXX : Account : XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX -- CLOSED Ref No : XXXX XXXX XXXX XXXX : Account : XXXX XXXX XXXX Ref No : XXXX XXXX XXXX I'm still receiving mail from this organization to pay for the debt that I've already disputed and provided more than sufficient proof that it is not mine. They even have my name misspelled in all of the communication, because the account was fraudulently created. I've emailed them numerous times and called them numerous times and I keep getting the same inconsistent response. I'm requesting CFPB to help me in fighting this predatory collection agency. 

Please let me know what other info I can provide to aid in your investigation. 

Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
On XX/XX/2019 I opened a Checking account and a Savings account at Fifth Third Bank at XXXX IN branch and gave the bank teller a cashier check from XXXX  XXXX for {$3300.00} to deposit into this account. On XX/XX/XXXX I received a transfer from my mom 's XXXX checking account for the amount of {$1200.00}. The fund was deposited on XX/XX/2019. A few days later, I figured out my online banking account was blocked. I called 5/3 customer service and they told me the XXXX XXXX  check that I deposited was a bad check and told me to come to the branch with documentation saying that the check is valid. I thought this is ridiculous since it is a cashier check from a bank and there is no way for me to get anything that proves the validity of the check. Then I waited until XX/XX/2019 and received a letter from the bank saying that my checking account will be closed in 30 days from XX/XX/XXXX "  because of recent account activity '' with no any further explanations. There was nothing I could do to get the remaining fund from my account because they did not allow me to take any money out of the account so I waited 30 days for the account to be closed and get the refund check. However, 2 weeks after the 30 day period I got nothing from the bank. I called customer service twice to asked for the refund of the remaining balance and both times they told me that they already sent out the check. I waited until yesterday ( XX/XX/2019 ) and still got nothing. I decided to call in again and this time they told me that the remaining fund in my account is intended for me and the fund was forfeited.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Ive been a customer of capital one for over 6 yrs, never a late payment because I enrolled in auto pay. For some reason three times I was knocked off due to no reason of my own and ended up over 30 days late which is affecting my credit tremendously. Ive contacted cap1 several times on it and even spoke to a superior and they agreed that it didnt make sense.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: USForex Inc.
State: FL

Complaint narrative:
Date : Mon, XX/XX/2019 at XXXX XXXX Subject : Absolute worst company and customer service I've ever experienced. Period.

To : <XXXX>, I was just informed my account didn't meet your compliance criteria ; however, you will still go ahead and debit my bank account!!

I'm furious at how useless your system absolutely is. And so was your supervisor named XXXX. She kept repeating herself like a brainless human being. I wish you could review the call.

I'm hereby formally complaining and requesting to immediately escalate this matter to upper management and above XXXX 's position.

I, by US law, have the right to be given a written explanation to the particulars to why all the sudden my account doesn't meet your compliance criteria. I need factual details since I have provided you with all my personal information requested and even spoke to one your reps this morning.

Furthermore, I have been told that you will be debiting my account regardless the fact you banned me from using your services. In addition, I will have to go out of my way and ask my bank and pay a fee in order to reverse that transaction. You refuse to send the money back to where you took it from.

Is this a SCAM?!

I'm also filing a formal compliant with the Better Business Bureau, the California Consumer Protection Office and the Consumer Financial Protection Bureau.

You can't denied me your services, then still take my money, and not been able to refund me my funds from where you took it.

I demanding my money back and an immediate response and resolution to these unacceptable business practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ive been a customer of XXXX XXXX for over 6 yrs, never a late payment because I enrolled in auto pay. For some reason three times I was knocked off due to no reason of my own and ended up over 30 days late which is affecting my credit tremendously. Ive contacted XXXX several times on it and even spoke to a superior and they agreed that it didnt make sense.

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 2019-04-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
In XX/XX/XXXX, I borrowed {$9000.00} from CareCredit to pay for XXXX fees. I was told that I have 18 months. However, when I start receiving my bills, it showed that I had less. I went online to pay my bill and it showed my balance of over {$6000.00} with deferred interest added before the end of the promotional on XX/XX/XXXX of {$3400.00}. I have until XXXX to make such payments. If I am late, there is no grace period before I am charged {$38.00} for late fees. In addition, once payments are made, the account is not updated right away. Therefore, it is hard to determine if the payments are made until one checks one account. While this maybe a good thing for customers who do not have money at the time that one needs to get the XXXX work or XXXX done, it is a moose around the customers neck and the customer service representative are not very nice people.

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have an account from XXXX XXXX on my credit report. This account does not belong to me it belongs to my ex-wife and she has agreed per our divorce decree to pay this account along with her other account XXXX XXXX. XXXX XXXX says joint account on my report and its not a joint account it is the ex-wives account and responsibility which she is paying, making payments current, last payment was XX/XX/XXXX. It is not mine and I want this removed from my report immediately as I have disputed with Experian, XXXX and XXXX. I disputed both XXXX XXXX and XXXX XXXX with all 3 companies on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again on XX/XX/XXXX again onXX/XX/XXXX. I have submitted my divorce decree and the fact that I have not lived with this woman since XX/XX/XXXX and every single dispute they tell me the result is that these accounts will remain on my report I have called the companies themselves on several accounts and left detailed messages and no person returns my call and I just get alerted after every dispute that my results are ready and the accounts remain. Please help as I have paid to Experian {$24.00} monthly since XX/XX/XXXX and I dont know what else I can possibly do or how I can be more clear and proofing to these 3 companies Experian, XXXX and XXXX they took other debts that werent mine off per my divorce decree but refuse to remove XXXX XXXX and XXXX 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 2019-04-30 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: AES/PHEAA
State: OR

Complaint narrative:
When my student loans were switched from XXXX to Fedloan Servicing ( XX/XX/2017 ), somehow many of my PSLF qualifying payments were " lost '' in transition. I initially contacted Fedloan about this issue in XX/XX/2017 ... Two years ago. They put in a ticket and I was told I would be contacted when it was resolved. Since then, I have contacted customer service about 8 times and get the same answer ... It is still processing and continue to wait. I would really appreciate an accurate count of my PSLF qualifying payments. I have been working hard for years making payments. I believe it has taken an outrageous amount of time to process this. Thank you and hope it can be resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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 very concerned about the validity and accuracy of the recent investigation done by Equifax. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Equifax failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX XXXX ; ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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 very concerned about the validity and accuracy of the recent investigation done by Experian. I requested for an investigation because the accounts have nothing to do with me. I am a victim of identity theft and the accounts are not my responsibility. Experian failed to give me the result of their investigation. I assume they were unable to verify it. The error has affected my credit score tremendously. CFPB please step up and delete this ASAP, this is very exhausting, nobody wants to grant me a loan because of this. 

XXXX XXXX XXXX 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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX student loan agency XXXX XXXX had a technical issue and was issuing me a statement every month for a quarterly repayment plan ( requesting I pay the quarterly amount every month which is 3x the normal amount ). I tried to fix the issue and despite over paying for many months no resolution. I tried to fix the issue with the school instead. But the payment was due and it became late despite overpaying and paying monthly for many consecutive months for a quarterly payment due. The school apologized and waived the fee and XXXX retracted the late payment notice from my credit report. Both XXXX and XXXX show no late payments for the two XXXX XXXX loans but Equifax shows missed payments. Ive sent them a dispute resolution and have asked them to remove the late payments to be consistent with the other two reporting agencies, but for an expecting resolution with their site being broken ( server not responding or down ). The link they send me every week doesnt work to check my resolution, my credit report still hasnt changed, I go to their main website and try to check the status of my dispute and it goes to the same broken server site. Ive tried well over 20 times At different times ( morning, afternoon and at night ) and days ( weekdays, middle of the week, weekends ) over the past 3 weeks and the same issue. An email to them comes back with no response or replies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 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: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
starts in early XXXX i had no idea leading up until XXXX and i am un aware of anything at all prior or present except XXXX!!!! I want to dispute them all bc i did not make the transactions

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 2019-04-30 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: MO

Complaint narrative:
Just released from XXXX  XX/XX/2019, after 10 yrs. Upon checking my credit I discovered accounts on my report that obviously couldn't been me, nor do I have any knowledge of these accounts. So I was instructed to reach out to all three major credit bureaus and notify them of this. I'm asking that these accounts be blocked from my credit file. Account 1, XXXX XXXX {$950.00} Account 2, XXXX XXXX XXXX  {$750.00} Account 3, XXXX XXXX  {$550.00} Account 4, XXXX   XXXX {$690.00} Account 5, XXXX XXXX   {$270.00} Account 6, XXXX XXXX XXXX XXXX {$1500.00} Account 7, XXXX XXXX {$460.00}

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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I have an account from XXXX XXXX on my credit report. This account does not belong to me it belongs to my ex-wife and she has agreed per our divorce decree to pay this account along with her other account XXXX XXXX. XXXX XXXX says joint account on my report and its not a joint account it is the ex-wives account and responsibility which she is paying, making payments current, last payment was XX/XX/XXXX. It is not mine and I want this removed from my report immediately as I have disputed with XXXX, XXXX and Transunion. I disputed both XXXX XXXX   and XXXX XXXX with all 3 companies on XXXX again on XXXX again on XXXX again on XXXX again on XXXX again on XXXX again on XXXX. I have submitted my divorce decree and the fact that I have not lived with this woman since XXXX and every single dispute they tell me the result is that these accounts will remain on my report I have called the companies themselves on several accounts and left detailed messages and no person returns my call and I just get alerted after every dispute that my results are ready and the accounts remain. Please help as I have paid to XXXX {$24.00} monthly since XX/XX/XXXX and I dont know what else I can possibly do or how I can be more clear and proofing to these 3 companies XXXX, XXXX  and Transunion they took other debts that werent mine off per my divorce decree but refuse to remove XXXX XXXX and XXXX 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 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have an account from XXXX XXXX on my credit report. This account does not belong to me it belongs to my ex-wife and she has agreed per our divorce decree to pay this account along with her other account XXXX XXXX. XXXX XXXX says joint  account on my report and its not a joint account it is the ex-wives account and responsibility which she is paying, making payments current, last payment was XX/XX/XXXX. It is not mine and I want this removed from my report immediately as I have disputed with XXXX, Equifax and XXXX. I disputed both XXXX XXXX and XXXX XXXX with all 3 companies onXX/XX/XXXXXX/XX/XXXXagain on XX/XX/ again on XX/XX/XXXXagain onXX/XX/XXXXXX/XX/XXXX again on XX/XX/XXXXagain on XX/XX/XXXXagain on XX/XX/XXXX. I have submitted my divorce decree and the fact that I have not lived with this woman since XX/XX/XXXX and every single dispute they tell me the result is that these accounts will remain on my report I have called the companies themselves on several accounts and left detailed messages and no person returns my call and I just get alerted after every dispute that my results are ready and the accounts remain. Please help as I have paid to XXXX  {$24.00} monthly since XX/XX/XXXXand I dont know what else I can possibly do or how I can be more clear and proofing to these 3 companies XXXX, Equifax and XXXX they took other debts that werent mine off per my divorce decree but refuse to remove XXXX XXXX  and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
To whom it may concern, I filed a XXXX dispute with no issue. The dispute was resloved as I had no credit due. I filed a dispute with Equifax. Equifax responded with a confirmation code and a link. Any link offered byr Equifax to view my dispute results in " This site cant be reached www.ai.equifax.coms server IP address could not be found. 
Try running XXXX XXXX XXXX. 
DNS_PROBE_FINISHED_NXDOMAIN '' So is my dispute resovled? What are the results? No answers are provided no matter which way I approach the Equifax website.

Company response to consumer: Closed with explanation