vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Good time of the day! 
In the beginning in XXXX in a mail I received an offer from Citizen bank to open a checking account. An offer condition stated that in 60 days after opening account and depositing amount over {$500.00} you will receive a bonus of {$300.00}. I included copy of the flyer for your review. Offer code : XXXX I opened an account over the phone on XX/XX/XXXX and transfer my pay checks on it. After 60 day I called to the Bank to check on a status and Representative XXXX told me that I will have my bonus deposit on XX/XX/XXXX. 
On XX/XX/XXXX I called to check on a status of the deposit and Representative XXXX informed me that I can expect deposit to be made to my account on XX/XX/XXXX. 
On XX/XX/XXXX I spoke to another Bank Representative ( unfortunately dont have a name ) and he told me that I will need to the end of the month of XXXX. 
On XX/XX/XXXX I spoke to two Managers in the Citizen bank XXXX and XXXX who said that my deposit will be will be on the account by the end of the week and if it is not happened my account will be credit for the bonus amount. NOTHING OF THIS PROMIS WAS DONE and then I received a phone call from XXXX ( bank Representative ) who informed me that my case STILL UNDER REVIEW!?!? She left me her phone number ; I called back and left a message asking to explain me WHY It is investigation and WHAT is the problem, but no one called me back!!! 
I spend so much time listening to fake promises! I am very disappointment and absolutely not happy with all procedure and service related to my case!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/2019 my checking account was charged fraudulently for two transactions one for XXXX in the amount of {$200.00} and XXXX for {$91.00}. None of these two transactions were authorized by me. I filed a dispute and the {$91.00} was already approved and returned to me however the one for {$200.00} has not, my bank which is Regions denied my dispute because according to them I authorized it. I have filed a police report already aswell. But I think it is really unfair that they did not approve my claim. I am going to provide the police report for the claim that has not yet been approved. Hopefully that helps. They also try to add my debit card information to a XXXX XXXX   account. I don't even have an XXXX phone.

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 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: M&T BANK CORPORATION
State: NJ

Complaint narrative:
M and T bank could not justify XXXX in overdraft fees in a one month period of time. The overdraft fee amount is XXXX each which would mean there would have been 72 overdraft charges to add up to XXXX. When asking for a breakdown or more information for the charges they would not give me the information. When I checked my checking account there were enough funds and the timing of the overdraft fees did not match the balance of my checking 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 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XXXX XXXX, 2019, I processed a payment of {$530.00} for my credit card ( # XXXX ) balance. Forgetting that I had done this, on XXXX XXXX, 2019, I processed another payment of {$530.00}. Both payments were posted on XXXX XXXX, 2019, making my account going into the negative as a refund of {$530.00} was due to me from Chase. I called Chase and spoke to a representative. I explained to him that thus, has never happened before, as I normally get a system prompt that I am not able to process payment because there is a pending transaction. The representative explained that Chase will issue me a check in 7 for the overpayment amount of {$530.00}. I asked for an explanation for why the system allowed me to process a duplicate transaction, and pay against a XXXX balance. The representative informed me that they will send my account for review and see what went wrong. 

The following week, I was not able to use my chase card, as every time I used it, transactions were being denied. I called Chase on XXXX XXXX, 2019, and spoke with XXXX ( Account Supervisor ) from XXXX Arizona. He explained that my account went for review, and there were several transactions that were returned back in XXXX, 2019 ( XX/XX/XXXX, XXXX, and XXXX ) ; therefore, Chase decided to close my account on XX/XX/ 2019. I was very confused about this and explained to him that I already spoke to customer service in the past about this. I have been a long standing Chase customer for over 15 years, without a single delinquent and/or outstanding payments. I have two XXXX XXXX   accounts associated to my Chase credit card, and the payments in XXXX were being posted against the wrong account, which I was confused, and called XXXX XXXX to find out. 

After discovering they were going to the wrong account, I changed the payment account in Chase and paid my balance. The three returned payments were the same transaction, as I was attempting to pay my credit card balance. When I discovered why the payments were being returned, I was able to pay off my credit card balance from the right account, and on time without any late fees. Also, keep in mind that I monitor my credit with Chase and have an excellent credit score ( over 800 score ). My credit limit with Chase was also increase last year. 
Chase refuses to reopen my account. Due to the undue hardship, and this being my longest credit account that has been closed, which have impacted my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: AR

Complaint narrative:
I used to bank with wachovia bank ; wells fargo bought them out in XXXX. My interest rate of 8 % fixed, wells fargo advised me that the terms will never change everything will just transfer over. As of XX/XX/XXXX I noticed my interest rate went up because I was paying more on my monthly payments. Then in XX/XX/XXXX my interest went up higher than normal and I decided to look into it. When I did the terms of my APR changed from fixed to variable. I contacted Wells Fargo and no one cant tell me why my rates changed and its been over a month.

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 2019-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: NY

Complaint narrative:
I'm being charged interest on subsidized loans despite being in school for 6 straight years and currently being in grace period until XX/XX/XXXX. Nelnet says my schooling isn't reported as multiple programs over 6 years and the NSLDS website shows my max term for SULA was 1.5 years. I completed my XXXX XXXX degree in 4.5 years, with SULA i should have had up to 6 years ( 150 % of the length of the program ). Then immediately went to grad school with loans in deferment. I reached out to both Nelnet and my university in XX/XX/XXXX and was told there's nothing that can be done. My school showed me they reported my degrees correctly, Nelnet won't give me any information other than that my subsidy was lost after a year and a half ( so this would've been in XX/XX/XXXX or XX/XX/XXXX ) meaning I've been being charged interest on about 6 loans for 4 or 5 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: HW Holding, Inc
State: GA

Complaint narrative:
To whom ever this may concern : In XXXX, 2018 I disputed incorrect information being reported on my credit report by Hunter Warfield. I provided letters to XXXX, XXXX   and XXXX, requesting specific information pertaining to this account. After the investigations were completed by XXXX and XXXX, Hunter Warfield was recently deleted from these reporting agencies. I have made several attempts with XXXX months prior too as well. XXXX  has not yet deleted this information or provided me with the specific information I've requested. I have attached a copy of the letter I provided to all the credit reporting agencies mentioned. I ask that you please look into this matter to have this item removed from my credit report. Thanks for taking the time to listen to my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 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: TX

Complaint narrative:
Dear CFPB, The attached erroneous accounts are not mine but have been incorrectly posted on the three Major Credit Bureaus ( XXXX, XXXX and Trans Union ) for some time now. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), the Credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account.

I explained the above by way of notarized letters ( attached ) mailed ( certified ) to XXXX, XXXX  and Trans Union on XX/XX/2019 and therein also demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts ( attached ). Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts ( attached ). After demanding that the accounts ( attached ) be properly verified or removed immediately, they simply sent me copies of my credit report from each bureau communicating that records were " verified '' yet they did not provide verifiable proof ( an original Consumer Contract with my Signature on it ) that the accounts were mine nor did they delete the erroneous accounts from my credit reports following no verifiable proof being provided in accordance with section 609 of the FCRA.

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 2019-08-05 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: TX

Complaint narrative:
Dear CFPB, The attached erroneous accounts are not mine but have been incorrectly posted on the three Major Credit Bureaus ( XXXX, Equifax and XXXX XXXX XXXX for some time now. According to the Fair Credit Reporting Act ( FCRA ), Section 609 ( a ) ( 1 ) ( A ), the Credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I explained the above by way of notarized letters XXXX attached ) mailed ( certified ) to XXXX, Equifax and XXXX XXXX on XXXX XXXX, 2019 and therein also demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) that they have on file of the accounts ( attached ). Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if they are unable to provide me a copy of verifiable proof, they must remove the accounts ( attached ). After demanding that the accounts ( attached ) be properly verified or removed immediately, they simply sent me copies of my credit report from each bureau communicating that records were " verified '' yet they did not provide verifiable proof ( an original Consumer Contract with my Signature on it ) that the accounts were mine nor did they delete the erroneous accounts from my credit reports following no verifiable proof being provided in accordance with section 609 of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Netspend Corporation
State: CA

Complaint narrative:
My name is XXXX XXXX. I have been a loyal Netspend customer up until XXXX/XXXX/2019 when my account was closed. I have been very happy with Netspend in the past, and have not had any issues until recently, someone hacked into my account and stole {$1500.00} from me. Upon talking to several representatives as well as supervisors via telephone regarding this issue I have had an absolutely horrible experience. Finally now, I am told that " they didn't find any fraud on my account ''. SO WHERE IS MY MONEY? I have had a terrible time getting a hold of someone, and have not had any of my questions answered regarding this matter. As a result of these events, I have now decided to close my account because I personally do not feel like I am being supported by the employees of Netspend. I currently have over {$12000.00} left in my account and have been struggling to find out when I will get my money. I was told that my money would be refunded to me via Cashiers Check, that it would be mailed to me within 7-10 business days. It has now been 7-10 business days, and now after calling to find out the status, I am told that " my check was never processed ''. What is going on? So now I have had {$1500.00} stolen from account, and am told that there has been no wrong doing, and to top it off now, every penny I have is being kept from me. 

My Reference Number for the claim with Netspend is 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 2019-08-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Citicard has failed to honor their citi price rewind claim and denied my 2 claims on a wrong reason. The claims were for a lower price on XXXX for the same item and sold as 'Buy it Now ' price which is NOT an auction price. However they refused to honor the lower price citing the lower price is on an auction site. When asked why they dont honor auction sites, they gave reason as the price of the item is a bid price which doesn't guarantee a purchase at that bid price, which I agree 100 % and yes bid price should not be price matched. However XXXX is not an auction site as they also sell items which customers can buy without bidding. This lower price was for the same item, brand new and NOT bid price. Thus this item any one can buy without bidding. On explaining this to Citi price rewind customer service personnel, they agree to this but will not approve. I escalated to their Supervisor - XXXX who would also agree but will not approve giving a silly reason that even though the item is not on bid or not being auctioned, it may go on bid if its not being sold for longer period of time. I dont understand what kind of reason is this. The item can be either on auction or sold at a fixed price. My lower price corresponds to the fixed price and NOT an auction price. I filed XXXX complain and XXXX XXXX an Executive Office from their Presidents Office called me and insisted that XXXX is an auction site and Citi wont honor the price-rewind claim. When I asked her to check with XXXX that they are NOT auction site, but is also eCommerce site like many others, she refused and said, no XXXX is an auction site. I am apalled at her knowledge and refusal to look into it and correct it. 
In-spite of telling her that XXXX XXXX is an XXXX XXXX XXXX XXXX based in XXXX XXXX, California that facilitates consumer-to-consumer and business-to-consumer sales through its website she refused. This is malpractice by Citi by not honoring their own terms by branding XXXX purposefully as auction site to refuse payment of the price difference as per their benefit. 
This is to highlight to consumer to be aware of malpractice by Citi.

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 2019-08-05 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: PA

Complaint narrative:
After reviewing my credit report I noticed several fraudulent accounts. I've tried to resolve this matter with the credit bureaus several times before but to no avail.

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 2019-08-05 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I do not understand the CFPB 's process. I have explained in great detail what transpired, and have supporting monthly credit card statements that prove that Wells Fargo is fraudulently charging interest to my visa card each and every month. I have previously responded to your agency regarding the Wells Fargo statement that they deny my allegation. I believe this may be the third time that I have submitted a response indicating that they continue to deceive your agency and for some reason you appear to believe them. It is my understanding that the sole function of CFPB is to protect us consumers against the illegal predatory practices of mega corporations '. Congressman XXXX 's office told me that your agency has little to no desire to go after the mega banks. Maybe the CFPB lacks the authority and resources to do so. If this is true, then your agency should refer this matter to the FBI or Secret Service. I am continuing to accumulate Well Fargo monthly statements that will vividly support my allegations. It's your move ; please do something to help me prove that what Wells Fargo is doing to me and maybe millions of their other customers is fraud and illegal. Thank-you, XXXX XXXX XXXX XXXX XXXX Veteran and Senior Citizen

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 2019-08-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX/19  - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$35.00} overdraft return fee XXXX/19 - {$15.00} maintenance fee As listed from the above transactions, my bank has been charging me fees over and over. Despite my calls and in person meetings to stop allowing overdraft on my account, the bank allows companies to access my account multiple times a month for the same transaction. 

The bank doesn't fund the transaction, it simply overdrafts my account to charge me an overdraft fee then returns it to charge me a transaction return fee. To finish it up, it charges me a maintenance fee for my balance being under there threshold. The bank allows companies to access my account at least 3 times a month for the same transaction and continuously keeps me in the whole while profiting from my inability to pay those fees they are laying on me. 

This is a shameful behavior that banks need to stop. For someone who studied finance, I know the need of banks and what they can do to enable a prosperous economy. But their current practices to obtain money in any methods possible from the least fortunate is shameful. I hope as we move forward there will be banks that help lift people out of poverty, not dig hole that will fortify the barriers already faced by those folks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-05 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: VW Credit
State: GA

Complaint narrative:
I purchased a XXXX XXXX from XXXX XXXX XXXX in XXXX of 2016. Upon receiving the car I continuously had mechanical problems. The car was continuously in the shop with the problem persisting. I missed time from work because I was unable to drive the car due to the mechanical issues. I then moved to Ga and continued to bring the car to the shop. I contacted VW customer relations and was working with a manager I told them constantly I no longer wanted the car because it was inconvenient for me I preferred another car or my funds back. I contacted a lemon law lawyer who begin working on my case. During the time he was working on my case I turned the car in not knowing that it would cause him to stop working on my case. The car was sold and I was never notified about the car being sold I dont know where or for how much. I would like this off my credit due to the fact that the car was in fact a lemon.

Company response to consumer: Closed with explanation