vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX 2016, I was induced to open a Citibank CitiGold checking account with a bonus offer. The bonus offered XXXX XXXX XXXX AAdvantage miles in exchange for opening a CitiGold account and scheduling two bill payments from the newly opened account for at least 2 consecutive months, and making at least {$1000.00} in total debit card purchases. 

After enrolling with the promotion code, I contacted Citi to confirm that they had my XXXX XXXX XXXX number ( XXXX ) and I also received confirmation that the XXXX bonus XXXX XXXX AAdvantage miles offer was successfully attached to my account. 

During XXXX of, 2016, I confirmed with Citi that I had successfully fulfilled all of the terms of the offer and to expect my bonus miles on or before XXXX XXXX, 2016. 

On XXXX XXXX, 2016, I did not receive my bonus points as promised. 

Citi is now stating that they require the original bonus insert, which would have been sent out 6-8 months ago. It was explained to me that the original insert is required to prove I qualified for this offer, despite numerous interactions with representatives who assured me I have qualified and met all requirements to receive my bonus. I disposed of this mailer after opening my account, since Citi customer service confirmed to me that I was enrolled in the offer Even though I have been assured by Citi that I met all requirements to receive my bonus, the bank is now refusing to honor their end of the agreement. 

Citi must credit my account immediately or additional steps will be taken to collect my promised bonus. I am extraordinarily unhappy and suspect that Citi routinely and systematically defrauds their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: MS

Complaint narrative:
I am a XXXX in Mississippi. When I originally applied for my loans, I was told I could have up to {$17000.00} forgiven after I XXXX for 5 consecutive years in a XXXX school or highly qualified area. I am a XXXX and work in a XXXX. I will finish my 5th year of XXXX XX/XX/XXXX. I graduated with my XXXX degree XX/XX/2016. When I called to discuss, with FedLoan Services, what steps I need to take to begin applying for the forgiveness, I was told because I started XXXX school I have to XXXX for 5 MORE consecutive years from my most recent graduation before they will forgive anything. No one EVER told me this was a stipulation. They also never notified me of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
My wife and I purchased a condo from XXXX XXXX in XXXX in XXXX of XXXX. Representations were made about the future development in the area that were false. They also steered us as first-time homebuyers to use XXXX Mortgage, their mortgage arm. They set us up with a 1st mortgage at 67 % of sale price, a home equity loan at 28 % of sale price, and a 5 % downpayment. There was also a XXXX buydown program on the 1st mortgage if we used XXXX Mortgage. At that time, we never should have been qualified or presented with this unusual arrangement. In XXXX XXXX, my family had to relocate for work XXXX, leaving our condo in XXXX XXXX for rental with great hesitation. We refinanced the 1st mortgage with Chase XXXX XXXX XXXX XXXX under the XXXX program, but have not been able to get any additional assistance in the past 3 years from Chase or XXXX, which has created long-term stress for my family and an inability to settle permanently XXXX. Our property is approximately {$85000.00} underwater and about {$130000.00} below original sales price. The qualifications required for assistance are extremely unfair to families that are current on payments and due to work ethic have continued to do well in their careers, making income qualification ratios unfavorable for assistance. Our issue is first and foremost with XXXX mortgage, which is now defunct, followed by both Chase and XXXX XXXX XXXX for very opaque processes for assistance. We believe the refinance in XXXX was done improperly and presented as part of the XXXX program, when it may have been just a standard refinance, trying to relieve Chase of any future liability with the original XXXX mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Note a hard pull on my credit report that I did not authorize. Came from XXXX XXXX XXXX XXXX ) on XXXX/XXXX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a Citi checking account under a promotion code and after meeting the requirements I confirmed with a representative via email ( attached ) that I completed all stated requirements and I will receive the bonus points within 90 days. 
Citibank closed my checking account about a month ago without notice or cause and refuse to issue the promised points.

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 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I am concerned that the payments that I 'm making are n't being applied to my loan appropriately. I have just come out of a bankruptcy that was dismissed in XX/XX/2015 and I 'm no longer attached to the debt. However during the bankruptcy i 'm told I was charged late fees, I was billed for a corporate advance fee ( to have a sun trust rep come out and look at the home ) I ca n't confirm that any of this took place. There were no documents to sign, no appointments. While in the bankruptcy I was denied a plan ... when I sent notice to the my bankruptcy atty and copied documents from the office of attorney general for fraudulent acts by lenders.. I received an approval for assistance thru the loss mitigation stating they would allow me a XXXX repayment plan. I was denied forbearance because I was n't unemployed. The regular collections dept would not set up a payment arrangement with me on the XXXX balance set up by someone within SunTrust but there is no way I owe XXXX. It 's the fees they 've attached and the billed me for the months I had already paid .So why include that in a payment plan. No one has a consistent balance. I have correspondence showing that I only owe XXXX but actually less because I had made a payment after the balance was given. so it 's one month behind with XXXX late fee charge. The lender will not look at the suspense and calculate. Nor do I believe they are thoroughly appropriating the Preservation process. XXXX department does n't know what the other is doing. I believe the process should be done by a third party because it 's not seeming to balance out. I have never been XXXX behind on my mortgage and never 3 months behind. I have contacted HUD and the Attorney Generals Office again. Please help me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: VW Credit
State: CA

Complaint narrative:
I sold my car back to VW as part of the diesel settlement. The car was financed with VW Credit and when I sold the car back on XX/XX/XXXX, they only gave me credit for the payoff amount as of XX/XX/XXXX, when the buyback was approved. I was told VW Credit would refund the difference to me once paid off. 
VW Credit is delaying sending me back the over payoff of the loan. They first are saying they did not get the funds from VW corporate to XX/XX/XXXX, 14 days after car was sold back to them. They are now stating they need 17 days to allow their internal transfer to " clear ''. They are stating even after the transfer " clears '', they will take 2-5 days to issue a check and another 7-10 days to mail the check to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
for 4 years a collection agency has been calling me regarding a debt for a XXXX XXXX, who I assume had my phone number before I did. I have told them approx. 100 times over 4 yrs she does not have this phone number anymore. when I tell them this they say they will remove the number. then they call again the next day. the calls stopped for about a year now they are calling every day again, when I yell at them they get threatening and abusive. I called back the number and the name of the company is National Credit Adjusters, but you cant get a person unless you have an extension, which I never have. The number they call from is XXXX sometimes the last digit on their number is different and it is an auto dialer because until I say hello no one is one the line.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am filing this complaint because XXXX ignored my request to provide me with the necessary document that their company has on file that was used to verify the accounts I disputed. Being that I have gone past the 30 day mark and can not verify theses accounts, under section611 ( 5 ) ( A ) of the FCRA -they are required to ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I. Bought phone from amazonI return the phone backUsing the Seller return packageThe seller denied the package 3 time according to XXXXThe package get lost afterChase bank dispute dept. Send me a laterTelling me I have to bay for itWhen I call a lady her name is XXXX told me that they did n't see the tracking number and they just find out they report this to the credit agancy calming that I 'm responsible for the amountNow almost 2 month trying with thisAll I get is we going to give a call backMy supervisor would like to inform youMy name. XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
More negative information from Transunion. I have filed over XXXX complaints on this negative information and have been told it is not there. Now it is here again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Negotiated settlement and XXXX issued in 2014. Full amount still reported on some of major credit bureaus.

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 2015-05-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XXXX refuses to remove the XXXX XXXX XXXX Auto Collection Account. I request a reinvestigation and removal of said account as it is too old to be on account. Account was charged off in XXXX XX/XX/2009 and the Statute of Limitations have long since run out. Original case against XXXX XXXX XXXX through CFPB is : XXXX. 

XXXX XXXX XXXX has been served a CEASE AND DESIST letter ordering them to stop all contact with me. At this time, XXXX is still reporting an account too old to be on record.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Selip & Stylianou, LLP
State: NY

Complaint narrative:
Cohen & Slamowitz LLP in XXXX NY somehow obtained a default judgement against me for {$4700.00} in XXXX county Supreme court. Acting on that judgement ( alleged service made 10 years ago ) my checking account was seized ( XXXX in XXXX NY ) The account contained XXXX+-. As is common, the entire account was frozen. Then Slamowitz got another judgement for the total amount in my account and the entire amount was frozen for the last year. I investigated this claim and found that Slamowitz contends that service was made at an address ( XXXX XXXX XXXX, XXXX NY ) at which I never lived. I have no knowledge of this debt, and as a former XXXX XXXX, I know what a " Sewer service '' is. They claim they are representing " XXXX XXXX '' who apparently purchased the alleged debt from XXXX, On XXXX XXXX, 2010, XXXX, XXXX, UT was closed by the Utah Department of Financial Institutions. THIS DEBT IS TOTALLY BOGUS, and I contend that the seizing of my funds from XXXX amounts to little more than theft. The " Service '' was fraudulent and the judgement should be vacated forthwith.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
I came to the branch to ask about the requirements to get a credit card. But I did not apply for it. I have an inquiry that I need be deleted.

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 2016-09-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: PA

Complaint narrative:
I have been contacting Suntrust Mortgage to cancellation my PMI insurance. My mortgage balance is approximately 72 % of my original purchase property value. Everything I read states that Suntrust should have terminated my PMI automatically when the value reached 78 %. Suntrust own documents sent to me say that termination will happen at 78 % of the original property value. My calls and e-mails have not worked. 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 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: SC

Complaint narrative:
I have been banking with TD Bank for approximately two years. I knew from the beginning that they were nothing but a bunch of crooks. They expect their customers to keep a specific balance in their checking account. I talked with the manager at the TD bank in XXXX about the {$15.00} service charge based on the balance. He agreed that it was not appropriate and refunded my money. It is my money and not this bunch of crooks. 
They took {$15.00} out about two months ago and I complained. They refunded the money. Now they have done it again and overdrew my account. CROOKS. I will change banks just as soon as my SS check is deposited. I hate the legal crooks that banks are. They provide no services.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
Debt is from XXXX 2009, they have been calling and threatening to serve papers at my place of employment, even arrest me or take me to jail if I do not pay for this. I contacted a lawyer who told them to stop contacting me. That the debt is older than the 5 years that they can collect this debt, but they have called me two times since the date of the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
My name is XXXX XXXX XXXX, in XXXX I consigned on a student loan for my nephew, XXXX XXXX XXXX, to attend So XXXX XXXX College. In XXXX XXXX, XXXX called the lender for a payoff quote, and was given the amount of {$5000.00}, a payment for that full amount was immediately mailed. Now, 4 years later, Naviant is claiming the check was applied to the loan as " paid ahead '' leaving an interest balance of less than {$130.00} which has now accumulated to the amount of {$370.00}. This company has recently reported a negative 4 year overdue balance to the credit bureau, and now my outstanding credit rating which was ( XXXX ) has now been reduced to the poor rating of ( XXXX ). I have never paid a bill late in my life, and consigning is something I do n't I do without great consideration and monitoring. Believing that this loan was paid off, and the fact my credit rating was n't affected until now, as well as not receiving any communication in the last 4 years regarding this matter, prevented us from rectifying the situation before it got to this point. 
I have made several attempts to appeal to Naviant representatives over the last two weeks, that this account was paid in full in XXXX, I have asked to speak to supervisors and their legal department, but they continue to stand their ground. I believe this company is pulling a batch and switch, by quoting one amount, then continue to add interest before applying the funds to pay off the loan, then holding the account open while the interest continues to accumulate, thereby charging additional funds for their profit. If this was n't the case, then why want they settle this matter reasonably, and notify the credit bureau and return my credit score to it original standing. Their exact reasoning is the amount of {$5000.00} was considered a payment in advance, or that the account was paid ahead, not in full. Our standing is, why would we pay {$5000.00} and leave a balance of less than {$150.00}, and make no attempts to pay off that small balance over a 4 year period. This is obviously a scam being pulled to extract additional monies from unsuspecting students, parents and consigners. I am requesting your assistance in resolving this matter expeditiously as this situation with my credit rating, as of now is preventing me from conducting business as planned. 
Please contact me regarding this matter @ XXXX, or email XXXXXXXXXXXX Respectfully, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
The borrower entered a Home Affordable Modification Agreement with XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. The mortgage loan servicer changed from XXXX XXXX XXXX to Caliber Home Loans on XX/XX/XXXX. The borrower was not aware of the transfer and continued to make timely payments directly to the prior servicer until XX/XX/XXXX. The payments were subsequently credited to the borrower 's account but the monthly mortgage statement includes a {$680.00} fee. It also states that the borrower paid another {$810.00} year to date in other fees. The borrower and I called Caliber on XX/XX/XXXX to determine why the fees are being charged. The Caliber representative stated that she did not know and she would send the borrower a detailed report explaining the fees. We have not yet received the report and the fees are still appearing on the borrower 's monthly mortgage statement and there has been no credit for fees already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
National Credit Adjusters called and stated that I owed XXXX debts and that they had been mailing letters to me, but the letters were mailed to an address that I have not lived at for 20 years. I ask them to mail the information to me but the refused and stated it will be going to court instead, I informed them of the wrong address and to mail them to the correct address again the rude lady stated she could not and that I needed to pay them now or they will send the information to court. She tried to give me information but was stuttering and rambling and again demanded immediate payment on the debt and still refused to mail the information. The lady was very rude and mean, it also appeared that she was not even ready, she kept rambling off my old address and my driver license number, I thought I heard her say something about arrest warrant, my never stated any solid facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Caliber Home Loans, Inc.
State: NY

Complaint narrative:
Caliber Home Loans has persisted in concealing an agreement they made with XXXX when they sold the loan to Caliber in XXXX 2014. The agreement was for Caliber to address errors in our account committed by XXXX. Caliber has also continued to make mistakes when attempting to address our concerns. They are outlined in the documents attached but include : failure to appoint a Single Point of Contact for over 5 months after assuming servicing of the loan, the SPOC ( XXXX XXXX ) refused to complete research on our account to address errors, Caliber continues to remove an unsubstantiated claim of {$3500.00} of deferred interest applied to our account by XXXX, and most egregious Caliber sent us letters with the addresses and account numbers for XXXX different homeowners. Additional information is attached.

Company response to consumer: Closed with explanation