vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2019, I inquired about a XXXX add for XXXX XXXX XXXX tickets. The " seller '' and I negotiated a price of {$500.00} for four tickets. I have a lengthy email correspondence documenting the exchange - to include screen shots of XXXX tickets as " proof '' the seller had them. On XXXX, the " seller '' and I moved forward with the transaction as to which I regrettably transferred the money via XXXX to an XXXX XXXX. Shortly thereafter it became clear that the " seller '' was never going to send me the tickets as I still have never received the four tickets. First, I immediately filed a dispute with my bank, USAA, as to which I was told I would receive some sort of response within 1 to 10 business days. I then made a XXXX request from the recipient of my XXXX transfer for the amount of {$500.00}, as to which the " seller '' has not accepted. Next, I filed a complaint with the internet criminal complaint center ( IC3 ). Today, XX/XX/2019, I received an email from USAA stating that the decision has been made that an error did NOT occur with this XXXX transaction. During the dispute analysis by USAA, USAA did not contact me wishing to see my email correspondence outlining and detailing this unlawful scam of consumer goods. USAA did not contact me during this process for ANY additional information whatsoever, for that matter, to aid in the decision-making of this fraudulent financial transaction. Nor did they contact me regarding any further steps that I may have taken on my own accord, nor did they offer any advice regarding my next steps financially. Subsequently, I filed a complaint with the Federal Trade Commission, which regulates XXXX and other online auction sites. I have since called USAA requesting any and all documentation regarding the dispute. The representative on the line claimed he would need to put in a request for such documents and is unable to see any steps outlining the decision process/conclusion. It was only after I threatened to contact the CFPB did the USAA representative offer to verbally disclose the documentation of my dispute analysis. I was told a copy of the document would be available in my banking profile online upon my request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 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: WI

Complaint narrative:
On report XXXX, Experian is listing the city for my current residence XXXX XXXX XXXX XXXX, XXXX, WI XXXX as XXXX when it should be XXXX. When I try to dispute this information online, the system will not process the request. And they are incorrectly listing the city on a prior address XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, WI XXXX as XXXX when it should be XXXX XXXX. The report also lists the same address in two different variations - one with the apartment number and one without, the address without the apartment number is not correct and should not be listed on the report.

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 2019-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX advertised about getting a full head with no XXXX, you can swim, sweat whatever it will never come off, so I went in for a free consultation spoke to manager XXXX he explained I would get 3 hair units and 1 yr of service for washing, styling, cutting and products included for {$4700.00} and they didnt take XXXX XXXX card but I could finance it on their credit card so I was approved from Comenity Capital BankXXXX XXXX $ XXXX XXXX said my card would come in the mail and he measured my head and ordered the hair and stating it will be back in 6 to 8weeks, and got an appointment to come back after 8 weeks to get hair put on and styled then the service started from that first appointment I waited 3 months for a card I never received, I called Comenity they first said it was in the mail after months of waiting they said I had no card I had a line of credit ... so in the mean while every 3cto 4 weeks I go in to hair club for wash and style ... Towards the end of the year I asked for my other 2 units and was told I wouldnt receive any more units I had used them when I changed hair styles but that was never explained to me during the treatments, I thought they were using the same 1 unit and restyling, washing and cutting, the stylist nor XXXX ever said to me a style counts as a unit during the 1yr service .... then I asked for a manager because this was never explained to me until towards the end ... .another manager XXXX came out to speak to me and my daughter, she said she would try to make it right as best as she could, she contacted upper management and got back to me 1wk to 2 wks later and said she would order me 1 new unit and repair the one I was wearing to make up for the misunderstanding but it would take 6-8 weeks to get the new hair, at the end of the 8 weeks I called XXXX and was told XXXX no longer worked there, I asked for XXXX , he refused to talk to me so I contacted an attorney who wrote XXXX  and they refused to answer the attorney back. I contacted comenity capital bank/XXXX XXXX to start a dispute a dispute the beginning of 2019 and the end result was they sided with XXXX. I feel like the public needs to know that XXXX is doing a sort of bait and switch they tell you all good things in the free consultation but switch up after you take a line of credit thats why they do not take other credit cards because outside credit card companies we stand up for the consumer and make them honor the verbal contract but Comenity Capital BankXXXX XXXX will not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I have a bank account that I don't use very much. Aside from the monthly {$16.00} service charge Bank of America charges me monthly. I don't keep much money in that account and there has been a few XXXX dollar and XXXX dollar charges that went againts the account when the account had insufficient funds. The bank did not pay those charges for me, but is charging me {$35.00} fees for them. Each one of them, most of my charges are less than {$10.00} but they charge me a {$35.00}. This year they have charged me {$980.00} dollars in fees on less than {$150.00} dollars of charges with low funds. Most of the fees have been because the bank credit my account with money late or waits for my account to be low of funds then all the charges hit at once, almost as if they are doing it on purpose.

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 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: NE

Complaint narrative:
Starting with my XX/XX/XXXX statement, I wrote a check to US Bank to balance transfer {$1800.00} that was supposed to get me 0 % interest until XX/XX/XXXX. I did another check balance transfer on the same card with my XX/XX/XXXX statement for {$1800.00} that again was supposed to be 0 % interest unto XX/XX/XXXX. On my XX/XX/XXXX statement, I made a car payment to my wife 's car and it somehow counted as a cash advance in the amount of {$580.00}. The cash advance rate on this card is 25.99 %. My minimum payment on this statement was {$70.00} and I made payments that totaled {$1500.00} for this month and I was charged interest on the cash advance and on the purchases that totaled around {$23.00}. 

On my XXXX statement, I made a lot of purchases ( 16.99 % interest ), but also made a payment in the amount of {$4800.00} ( minimum payment was {$56.00} ) and was charged {$8.00} in interest on the cash advance that still somehow had a balance. 

On my XXXX statement, I made more purchases, but also paid {$1200.00} in payments with a {$120.00} minimum payment. One of my 0 % balance transfers was paid off by this month and I was charged {$66.00} in interest on my purchases ( 16.74 % interest now ) and {$.00} on the cash advance that was still not paid off, but now has a balance under {$10.00}. 

On my XXXX statement, I made more purchases and made payments of {$4500.00} ( minimum payment of {$100.00} ). This month, my other 0 % balance transfer was paid off, the cash advance still was not paid off and I was charged {$.00} in interest on the cash advance and {$67.00} in interest on purchases. 

It was with this last statement that I finally realized that they were paying off my lowest interest balances first and sticking me with the interest on my highest balances. It was my understanding that the Credit Card Act of 2009 made it the law that companies had to apply any " overpayment '' ( anything paid above the minimum payment ) to my highest interest balances first and pay those off before moving to the next highest interest. When I called US Bank and asked them about it, they said the law changed and they were not required to do anything of the sort. They could apply my money how they see fit and have been applying my entire payment to the lowest interest balances, which is why my 0 % interest balances were paid off before the 25 % cash advance was paid off ( still not paid off technically ).

If they're right, let me know if the law changed or how I'm interpreting this wrong. But I couldn't find anything that said that info was correct and it appears they're breaking the law by doing this to me. Let me know though! Beyond that, if they're doing this to me, they're doing it to their other customers too!

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 2019-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
This involves my Kohl 's credit card. I have paid my balance in full and interest fees. I was told by Kohl 's my late fee would be waived but it has not and more late fees have been added. Kohl 's has now turned the balance over to debt collection and I am being called at least daily.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CO

Complaint narrative:
when I called fed loan servicing to make a payment the system said I was past due and if I didn't make a payment they would report me to credit agencies.They said I had to make a payment of XXXX $ or I would be reported to credit agencies so I paid XXXX. They still reported me even though I payed. I called to ask about why they did this even though I had paid. They said that it was because they had probably already paid. I then said I would pay my loan off in full but they refused to take the report off. This is predatory and falsifying information just to get me to pay. They violated their word. I want to register a complaint. This resulted in a 71 point hit to my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
I opened my Sony Visa account with XXXX XXXX in XX/XX/XXXX and have maintained it in good standing ever since. It was recently brought to my attention that someone had possibly taken over my account by adding authorized users who I did not know. I had contacted XXXX XXXX and they placed a hold on my account. In the meantime, I received a card from Comenity Bank saying that they were purchasing my account. I only received one card, so I assumed that the issue with the additional authorized users had been resolved and the new card number was the replacement for the card number that had been compromised. I activated the card on with Comenity when I was able and registered with their website. The account showed that my available credit was {$0.00}. I contacted their web support and was advised that my account was closed. I called again today ( XX/XX/XXXX ) and was advised that my account had been closed by XXXX XXXX and that it did not qualify to be reopened. I had been using my account as recently as XX/XX/XXXX and was given no notice by XXXX XXXX that my account had been closed. I have managed the account for nearly 5 years in excellent standing, yet the sale of the account from one bank to another appears to have lead to my account being closed without reason. I want whatever happened in the conversion to be fixed so that the account I had at XXXX XXXX is the same account at Comenity. I want Comenity to carry the open status of my account from the previous issuer to their system. Their lack of conversion expertise that caused my account to be closed in their system is unacceptable. I would attach a screen print of the account reporting from Comenity, but they have not reported my account in any status since they purchased it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am disputing the collections balance of {$1400.00} under XXXX XXXX XXXX XXXX XXXX XXXX Account Number XXXX. XXXX 's letter states the original creditor was Citibank , N.A . The Home Depot Consumer Account Number XXXX, however, I personally contacted Home Depot and Citi Bank and they stated they did not recognize the account numbers provided by XXXX. This balance is a result of identity theft. I have reports from credit agencies with proof of multiple addresses, credit cards, and intents to use my identity to sign up for services, which can be provided to CFPB upon request. I have made multiple attempts to contact the XXXX to obtain more information, such as purchase receipt, but they have been unwilling to provide it. Any time I call XXXX, they are threatening and unwilling to provide further information unless I provide personal information, such as SSN and payment information, which is not recommended. I sent XXXX, their lawyers XXXX XXXX XXXX XXXX XXXX XXXX, and credit agencies an FTC Report via certified mail indicating I am an identify theft victim and requesting them to remove the balance. The FTC Report Number is XXXX. I obtained confirmation from USPS that it was received and signed by XXXX, XXXX and the credit agencies, yet both XXXX and XXXX mailed my letter back days later. I have attached the signature confirmations from all companies and dates in which they were received. I also have copies of the signatures which I may provide if requested. To this day, I have not received any response from them regarding the FTC Report I shared.

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 2019-12-07 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my 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 non-monetary relief
Consumer complaint received 2019-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On the day of XX/XX/2019, I was wrongfully accused of depositing two counterfeit checks to my account by Bank of America, I completed all necessary steps in proving that my checks were not counterfeit just to have my fresh new account closed for basically no reason at all. When I made the first call to Bank of America, on a recorded line, the representative had told me my account was on the verge of being closed because I uploaded the same check twice. I then explained to the representative that it was an accident and all I was meaning to do was upload better images because the first images were very poor looking. The representative, acts as if its not a big problem and supposedly connects me with the department to clear the situation up but no one ever answers after being on hold for 30 minutes or more. After a while another representative picks up the line from the same department and I briefly explain my situation to the female representative. The representative then notify me that the department who can help me is now closed and to call in the morning starting at XXXX. When I call the next morning, once again I explain my mistake, a new male representative tells me that my account is in closure status because of a counterfeit check and to go inside the bank to present proof that check is not counterfeit. I follow those steps and go to the nearest branch. I bring in the check and give the manager the number to the agency who sent the check, she claims that she cant reach anyone so I call with my personal cell phone. The manager speaks with the agency and informs me to the agency whom issued the check to fax over a letterhead and receipt in which the agency did. I call to check the status of the claim and I was directed to go to another branch so a financial advisor could speak to a representative of accounts closures. Still even with the financial advisor speaking and showing proof that all of this was a misunderstanding, my account was wrongfully closed.

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 2019-12-07 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

XXXX. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my 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 2019-12-07 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$6100.00}, {$13000.00}, {$15000.00}, {$18000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- ACCOUNTS -- 1. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6100.00} -This is not my account. 

2. XXXX  CBNA with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$13000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$15000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$18000.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief