vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
My account is always funded by a transfer in - never before have they charged me like they have since the first of the year I can not get in touch with the branch manager or get an answer from anyone. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-02 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Money authorized once via XXXX was charged twice at the banking institution. My checking was overdrawn and had to be transferred from my savings. I have gone without funds for 5 hours and counting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I applied for an " accelerate savings '' account with Citibank back in XXXX XXXX 2022 ( because it had a good interest rate for my savings ). I never asked for a debt card, and was never told I would receive one. One day I try logging into the mobile app to pay off my credit card, and before I could login it asked me for a debt card number. This is when I found out they were going to ship me a card, but hadn't received it yet. I called them, and they said it's probably in the mail still. I waited a week or XXXX  and on XX/XX/2022, I got an EMAIL asking if I made {$5100.00} in transactions ( 13 total ). I was furious, because I never got a single call. The first transaction on this XXXX  card was on XX/XX/XXXX. I disputed it, a week later it was denied. I contacted the XXXX XXXX XXXX XXXX department, and got in contact with deputy XXXX XXXX, and got a case ID number XXXX. He started working on trying to get camera footage at the XXXXXXXX XXXX XXXX XXXX XXXX they visited, because all the other places delete the footage in a stupid short time. I disputed time after time, eventually I tried to get Citibank to contact my deputy, they said to have XXXX call them. XXXX called them numerous times, and those stupid people said " no one but the card holder can contact us about the account ''. Citibank asked for numerous documents from me, and I sent them everything including a scan of my driver 's license. Eventually I went to speak to the XXXX XXXX XXXX XXXX XXXX manager for myself, and they said they couldn't give me the footage without a subpoena. I asked them if they could save the footage and just not give it to me, but apparently they wouldn't do that either. A while later ( maybe a month or two ) I find out the casino doesn't hold onto the footage for as long as the deputy was told ( 6 months ), but rather they hold onto it for 3 months. Currently I am on the 12th or 13th dispute with them ( I WON'T STOP ), and they deny every single time, saying I had the card in my possession, when I freaking didn't. I was promised I would get the full amount back and the case has been resolved, and I would get a check in the mail in 1-3 weeks. It's been over a month and a half now, and now they're saying I won't get it back. I am currently XXXX, I'm not even allowed in a casino! This bank has to be held accountable! I deserve compensation not just for the money I worked hard for, but for the time of mine they wasted! I've called them probably 100+ times since last XXXX. Update : I've started working with my deputy again ( XXXX XXXX XXXX 's department ). I will not stop bothering Citibank and the government until I get the money back that I worked hard for.

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 2023-06-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: OneMain Finance Corporation
State: AL

Complaint narrative:
One Main Financial charged too much interest and added on extra insurance

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
A XXXX transaction routed through Chase Bank was withdrawn multiple times. The withdrawn funds were only sent to the recipient once. Chase has the funds withdrawn in error somewhere in limbo and has caused my account to overdraw. I have no access to my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: TEXAS CAPITAL BANCSHARES, INC.
State: CO

Complaint narrative:
I opened a savings account with XXXXXXXX XXXX on XX/XX/2023. I saw them in a search for high yield savings on Bank Rate. I also looked them up online. 
Their online ad states " XXXX Offers Interest And Miles- Earn Miles And 4.75 % APY, Why choose one " I spoke with two customer service reps for XXXX regarding opening the account. I told one of them I was happy to find them because they pay a reasonable interest rate where my bank is paying only a fraction of a percent. I was opening an account that also ( I thought ) awarded XXXX XXXX miles in addition to the interest rate. 
Over the course of XXXX, I deposited a total of {$19000.00}, with several deposits. 
I checked on XX/XX/XXXX to see what my interest was that had accrued. There was nothing. I sent an email and asked how and when it accrued and when it would go into my account. I have not received a reply. 
I chose XXXX because of the interest rate and the miles. I am selling my home and will make a considerable deposit later this year and I am moving to an area where XXXX XXXX XXXX will come in very handy. 
After not hearing back, I decided to do a very deep dive into their website and after 20-25 minutes, found a deeply hidden and small print statement that the airline miles account does not offer a cash interest payment. 
I called today and talked to a representative who said I should have known based on the rest of the ad. I feel it is very unclear. I was NEVER told anything by either rep I spoke to when opening the account. It was not clarified that there was not both interest and miles. Nothing I signed told me this. 
I feel their ad is quite misleading. There is a BIG difference between " AND '' and " OR '' AND is in addition to and OR is choose one or the other. 
I asked that my account be changed to interest bearing and was told I'd have to handle it myself. They also are, so far, refusing to adjust my account as if I had opened the interest nearing account and not the mileage account. 
Customers should not have dig and dig into a website to find out the rules regarding an account they are opening. All aspects, especially those not normally considered by a lay person, should be clear, concise and obvious, and the representatives should make sure they have agreement with the customer before going forward. 
I've included the ad on the XXXX search as well as the info page from the website on the XXXX account. No mention of no interest accruing. 
Information on the account that it does not accrue interest is on the Privacy and Disclosures, Page 27, 10+ clicks to find.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

The following items need to be removed and blocked as they are fraudulent. 

XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXXXXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: General Motors Financial Company, Inc.
State: WA

Complaint narrative:
GM financial has commit fraud. I have submitted a pay off of my loan for well over the amount i owed just in case they added on additional fees. They accepted my payoff but never gave me credit and then repossessed my vehicle for non payment. 
they will not return my vehicle or my payment to me. this payment was sent to the ceo of the company and was never returned or credited. I have submitted a notice of dishonor to the ceo via XXXX XXXX Priority mail express along with a bankers affidavit and a fee schedule. I wil also be submitting a 3949-A to the IRS for organized crime, public and political corruption, false/ altered documents, unreported income,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I'm on XXXX XXXX. Edd pays me thru a prepaid card thru Bank of America. Due to my XXXX and not having my normal salary I saved the deposits made on the card so that I could pay my rent XX/XX/XXXX and avoid eviction. On Saturday XX/XX/XXXX when I checked my balance I noticed all of my money was gone. I immediately froze the card and contacted Bank of America to have a fraud dispute opened up in the amount of {$2800.00}. After 4 days Bank of America denied my claim. This was wrong so I requested to speak with a manager who re submitted my claim for re consideration and I provided a police report to show I've had issues with identity theft due to my purse being stolen and they requested a picture of me which I also provided. To day I've heard nothing back and after XXXX XXXX my minor child and I will be evicted. This is not right Here is a copy of my claim : Claim Number : XXXX WEVE RECEIVED YOUR CLAIM This notice is provided to you as the named account holder for a prepaid debit card issued by Bank of America , N.A . ( " we '' or " us '' ). 

We've received your transaction dispute claim. 

We'll notify you by mail about your claim status once we've completed our review of the disputed transaction or transaction ( s ). 

Please review the claim details below. If the information is incorrect or doesn't match your request, call us immediately at XXXX. Representatives are available 24 hours a day, 7 days a week. 

Claim Summary Account Ending In : XXXX Disputed transaction ( s ) : 4 Total claim amount : {$2800.00} Transaction Details XX/XX/XXXX BANK OF AMERICA {$1000.00} XX/XX/XXXX BANK OF AMERICA {$680.00} XX/XX/XXXX BANK OF AMERICA {$160.00} XX/XX/XXXX BANK OF AMERICA {$960.00}

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX # XXXX, # XXXX, XXXX # XXXX, XXXX XXXX # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: CA

Complaint narrative:
Lexington Law Firm is misrepresenting their outbound customer service as being " paralegals ''. They are not! When I asked on 3 different occasions to be connected with a US licensed paralegal, I am being told that all calls are rerouted to the call centers located outside of the US. 
I did ask to the last customer service representative her name is " XXXX '' if she was a paralegal, she said yes. I asked her if she was licensed in the US she said no. Then I asked to be connected to a US paralegal, she then told me to hang up and try calling again but that all calls are rerouted. 
I have several issues on my case I need to discuss and for this, I need a trained and licensed paralegal and not an impersonator. 
I have been with that company for over 13 years and paying {$49.00} / month. Things never seem to move fast enough. My credit has improved by my own doing. All they have done is send generic letters to the credit bureaus without specific or personalized explanations. When I pointed out some issues which should not be there and require a personalize intervention, they turned me down. This company charges you a subscription for " credit repair '' services. All they provide you with is print and mail letters you can probably do on your own. Unfortunately, when you are as vulnerable as I was 13 years ago, trusted them when they told me that the process would take no longer than 1 year, it has been 13 years! How much longer does it take to correct the same problem?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On Friday, XX/XX/XXXX, I was logged into my Wells Fargo account and a CD offer popped up that had pretty good terms for XXXX XXXX The terms stated : XXXX CD Special Offer ( minimum deposit of {$5000.00} ) Renews for XXXX term Annual Percentage Yield ( APY ) : XXXX XXXX  Special Interest XXXX : XXXX XXXX Relationship XXXX : XXXX XXXX Relationship Interest Rate XXXX XXXX XXXX  The numbers are not the same as this is a screenshot from today. I believed I had relationship banking because I have been a customer since XXXX ( XXXX XXXX ) and had XXXX Banking, savings, and Money Market. I was thinking I was getting the Relationship rates. 

As I continued with the application online, I selected that XXXX CD Special Offer and completed my information to transfer {$200000.00} to this CD from another account. As the process went to terms and complete application, I was not informed the interest rate until AFTER the application was approved ( Monday XX/XX/XXXX ) in an email. I was surprised. I went to my local branch and spoke to the branch XXXX and rep there and they tried to change it ( along with changing my accounts to the NEW proper account types ). They tried to do a modification but was told they couldn't and I was very unhappy and said I'd like to file a complaint. They filed it for me and I was sent an email the next day saying the response could take XXXX business days. 

I waited and tried to contact the compliant specialist. It was a difficult time to connect with her and she did not share any correspondence with me or when I called, no one else was able to help me because there was already a person on it. 

I finally got in touch with her today ( XXXX weeks later ) and she said she could not do anything for me. 

I believe I was mislead of the terms of this CD and should have been told the exact interest rate at the time of the application terms. I thought I had relational banking as I been a customer since XXXX and had that package.

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 2023-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Initial complaint below, submitted on XX/XX/XXXX. 
Complaint ID : XXXX REF XXXX - Capital One closed my account on XX/XX/XXXX without a full explanation of closure and ending the relationship. There was only an email sent stating I can not with drawer funds. Capital one didn't seek a statement from me in regard to any transactions in question. They stated they will return my funds by check after investigation within 90-120 business days. The mark of the investigation. They email me promotions and statements about the closed account but don't have an explanation on the loss that are owed to me will be returned and have yet to do so after calling monthly and trying to get updates. All representatives including the supervisor are condescending and rude. They are still holding my funds of {$220.00}.

Capital one issued an insufficient check dated XX/XX/XXXX for {$220.00}. That check was mobile deposited into my XXXX XXXX XXXX account ending XXXX on XX/XX/XXXX at XXXX XXXX. XXXX  XXXX XXXX confirmation of the mobile deposit is XXXX. On XX/XX/XXXX there is a return item chargeback found on my statement for - {$220.00}. A letter came in the mail dated XX/XX/XXXX, indicating a warranty breach and check has been returned on paid. When I called to speak to XXXX XXXXXXXX XXXX, they informed me that this check was insufficient funds and as a charge back. N a now closed complaint with the consumer financial protection bureau, they confirm that they issued and settled with a check, and it was indeed mail to my home for me to cash. The check was deposited in the right amount of time how ever has overdraft my account because they deem it as a chargeback.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-06-02 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: DISCOVER BANK
State: NY

Complaint narrative:
I disputed charges that I was unaware of my card and they are making me pay for them even after submitting evidence

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-02 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: FL

Complaint narrative:
I am contacting you to request the deletion and removal of the following accounts and information from my consumer report. It is imperative that these accounts and information listed below are not reported on my consumer report. This action is a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). Therefore, I urgently request that you remove these accounts and information from my consumer report without delay, as they are in direct violation of multiple laws. I expect immediate action to rectify this situation.

Company response to consumer: Closed with explanation