vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX18 I opened a Citibank savings account to take advantage of a bonus offer of {$500.00} if you deposit {$50000.00} and keep it in for 60 days. I believe the bonus was to be paid after 90 days. And for arcane reasons I was forced to open a checking account at the same time, but was never told I had to keep some money in it. I was told the {$50000.00} needed to be in the savings account, so that is where it went. I had no intention of using the checking account ( and ordered no checks ), so I left no money in there ( this is what Citibank later used as their reason for denying my {$500.00} bonus ). I had to wait until Citibank did their trial small ACH deposits into my outside bank in order to link the accounts and then make the {$50000.00} deposit, which occurred on XX/XX/XXXX18. The money stayed in until XX/XX/XXXX18 ( more than 60 days ), at which point I confirmed by phone that I was free and clear to take the money. At the 90 day point I called to ask why I had not received the bonus. They said that because I had kept no money in the CHECKING account for 90 days, they had automatically closed it, and by closing it without warning they were then justified in denying the bonus. At every step I would call in and ask if I was doing everything I needed to fulfill my obligations under this bonus offer. I never made a move without calling to be sure it was okay. I was never told I had to keep a tiny amount in the checking account just to keep it active. I even asked when I moved the money into the savings account from the checking if it was okay. Surely if they had just said " keep one dollar in there to keep it active ' I would have. I think Citibank intentionally does this just so they can deny promised bonuses. I believe this because of the attached document that shows endless numbers of other people who have had similar experiences at Citibank ( this is the XXXX 15-page blog post pdf file ). I filed several complaints with Citibank. They would open a case, then a few weeks later send me a letter denying my claim ( letters attached ). I have also attached my statements for the period in question.

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 2018-09-13 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 — Problem with personal statement of dispute
Company: Pacific Union Financial, LLC
State: CA

Complaint narrative:
Hello- I am complaining about Pacific Union Financial not removing the XXXX   30 day late from my credit reports. Pacific Unions practice is to report late only if delinquency runs in to the following month. I had some financial difficulties starting from XX/XX/2018. However, prior to this year, I have not had a late mortgage payment. I submitted my XXXX payment on XX/XX/XXXX during the day through electronic payment postdated XX/XX/XXXX. However, by error the bank that I submitted the payment through XXXX XXXX, mailed a check vs. instantly initiating the ach payment. This error caused my XXXX mortgage to be late. I obtained a letter from XXXX XXXX on their letter head accepting responsibility. Yet, Pacific Union Financial ( the mortgage company ), wont reverse the late payment status. Yes, I pay my mortgage on the end of month, but I always do. And, again, their practice is to report only if delinquency crosses in to the next month. Please help. This is not right of them to choose not to remove the late notice for XXXX just because they have the power. Pac Union asked me to get a letter from XXXX XXXX taking accountability and I did provide it. I also submitted to the three-major credit bureaus myself. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: U.S. BANCORP
State: CA

Complaint narrative:
This company called me claiming to be the collection agency for US Bank. And they extorted me into paying {$600.00} to them. It was not until today when another person tried to scam me did I realize that I was in fact scammed here is the documents for this person. This address is registered to a XXXX store. How do I get my {$600.00} back

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 2018-09-13 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have been paying on time until XX/XX/XXXX. I missed XX/XX/XXXX payment due to sickness. 
I called CHASE to wave the fee this time, but they didn't listen. Next month payment increased from {$29.00} to {$85.00} that is way too much for me to pay since I lost job since XXXX. 

I called them to wave the fee and interest and lower the minimum payment to {$29.00} but they didn't listen. 

CHASE emailed me to recover program to take the class online. If I finish I will get {$60.00} credit but they didn't. Now my payment went up to {$140.00}. 

I sent a letter, they didn't write me back. When I call them same conversation over and over again. They waste my time. 

Now my balance went up from {$980.00} to {$1300.00}. 

PLEASE HELP

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
This is my third and attempt to have discharged bankruptcy removed from my credit report. I have written, sent certified letters requesting validation and verification but to no avail. They always respond as verified as accurate. How could that be????? Furthermore they will not provide me with the third party company in which they used to get this information. I know they use these third party companies because I have a letter from the bankruptcy court saying that they do not provide public or personal information to the credit bureaus. And also I froze and suppressed by credit with all of the data mining companies, including XXXX XXXX and XXXX. I strongly urged them to delete this bankruptcy from my account. They have violated several rules and regulations according to FCRA, including section 602 a, b and c. I ask the XXXX to please look into this matter and hold them accountable for what they have done. It this is not resolved here I will be forced to file a lawsuit and let the courts handle it. And I have all of my documents in order.

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 2018-09-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Cannon & Cannon Firm PC
State: UT

Complaint narrative:
I have been contacted several times over the past years from XXXX XXXX XXXX. The lady who handles my account is XXXX XXXX. I received a call from her at XXXX on Thursday XX/XX/2018 stating that they had not received my payment from XXXX. My payment is due on the XXXX of every month. I paid my bill one day late ( my fault ) but it cleared my bank the XX/XX/XXXX. When I told her that I had already paid it she yelled at me and said that I didn't need to cut her off and was super rude about it. She stated that I didn't need to get upset, which I was not upset at that point. She then looked in their system and said that she did see that I had made a payment and that it hadn't been funded in their system until XX/XX/XXXX. and that she would let " them '' know so that they wouldn't take any further legal action against me. I have been paying on this account for 4 years and have never been late for a payment. This has happened to me several times when their system is not updating and they send me letters saying that if I don't become current that they will pursue legal action. I always bring it to their attention that the payment was made on their website and I ask for them to send me a letter stating that it was their mistake so they can't take action against me. They tell me that they will send one out to me and I have yet to ever receive one. They do not send statements to me at all even when I have asked. When I asked who I could talk to about a complaint about the way she spoke to me she informed me that it would be her that I would talk to and so she would note that I was rude by interrupting her when she was trying to help me ( which she wasn't because I had already made my payment and they had already been paid for it weeks ago ) at this point, I was upset so I called her a XXXX and then she also said she would report me to her employer for using that word when she was only trying to help. She was rude, unprofessional, aggressive, and I don't believe as a consumer I should have to deal with that kind of person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
On XX/XX/2018, I received a letter in the mail from Synchrony Bank, Creditor, XXXX XXXX XXXX, XXXX, FL XXXX. When I opened it up I seen that it was a denial for a Walmart credit card that I never applied for. Wondering if someone had stolen my identity I nervously checked XXXX to see where and when this happened and there was nothing there! The reason for the denial was based on XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX and phone number XXXX. 

The reasons for the denial were : Insufficient Installment Payment History Date of Issuance of applicant 's ssn does not match date of ssn of peers Invalid phone number of applicant Time since most recent revolving account established is too short While looking online on XXXX XXXX I found that this company has been mentioned many times doing things like this to many others and this is where your name came up to file a complaint about this company. I have never filled out an application for a Walmart Credit card and my credit is good. I believe this company to be scamming Americans and wish that you would investigate them. 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 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
Over the last seven months Navient has reported major increases to my student loans and then major decreases the next month. They are faslie reporting the accuracy of my student loans. I noticed the first increase at the end of XX/XX/2018 in the amount of {$700.00} dollars. I'm not sure how that is even possible. Then for the month of XX/XX/2018 it shows a decrease of {$690.00} dollars. And today XX/XX/XXXX I checked my XXXX credit report and they are now show an increase of {$670.00}!!! While each month I have made {$55.00} dollar payments. Only a few days after noticing each of these odd reports, they disappear. I have taken screen shots of each one that I have noticed, which I check my report like 5 times a week through XXXX XXXX. These false reports are effect my credit rating!!! I am contact them, my state attorney Generals office and a local attorney. I know Navient has been in hot water over all their shisty behavior and I can prove what they have been doing to me! I have documentation!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: NCB Management Services Inc.
State: OH

Complaint narrative:
At least once a day for the last few weeks, NCB management calls my workplace and continues to do so after both me and my boss have asked and then told them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/2016 I STARTED LOOKING INTO MY CREDIT. I WAS LOOKING TO OWN A HOME START A BUSINESS. AND DOING SO, I HAVE BEEN LET DOWN WITH THE SERVICE THAT WAS GIVING AND THE RETURN NOTHING WAS EVER DONE. I HAVE PAID FOR PRODUCTS AND SERVICES I WAS UNHAPPY WITH. I STARTED APPLYING FOR CREDIT KNOWING MY SCORE WAS ABOVE GOOD XXXX. THE LETTERS I GOT STATED MY I WAS NOT GIVING CREDIT. WOW! SOME DID APPLIED FOR A CREDIT CARD AND USED IT TO THE MAX. 
TO THIS DAY, ALL THREE BUREAUS AND ANY OTHER BUREAUS HAVE NOT CORRECTED ANYTHING I HAVE REQUESTED. 

PLEASE NOTE : I HAVE CONTACTED THEM BY PHONE AND ONLY ASKING TO SPEAK TO SUPERVISORS. TO THINK THEY WOULD GET THE JOB DONE ON MY SIMPLE FILE. I GAVE ALL THAT WAS REQUESTED, POLICE REPORT, ETC ... 
I HAVE EVEN MAILING LETTERS. NOTHING! 

IT IS NOW 2 YEARS LATER STILL NOTHING WILL MY CREDIT REPORT EVER BE DEALT WITH IN A TIMELY MATTER.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Greentree aka Ditech has my mortgage listed at the courthouse as 2 mortgages I have been trying to sell property but cant get the title clear because of the 2nd mortgage that ditech says dont exist

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-13 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is a complaint against the American Express, have been informed that your company, on ( XX/XX/2018 ) ran an unauthorized credit report on me. At no time did I ever authorize you to do this. This action on your part constitutes a violation of my rights under the Fair Credit Reporting Act. 
This is illegal and highly injurious to my credit rating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: FL

Complaint narrative:
I have no knowledge of ever owing this company money. I never received a notice of any kind about this debt. To my knowledge and my best memory I dont owe this company any money nor the original creditor. I have tried calling this company with no success.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
Over the last seven months XXXX has reported major increases to my student loans and then major decreases the next month. They are faslie reporting the accuracy of my student loans. I noticed the first increase at the end of XX/XX/2018 in the amount of {$700.00} dollars. I'm not sure how that is even possible. Then for the month of XX/XX/2018 it shows a decrease of {$690.00} dollars. And today XX/XX/XXXX I checked my transunion credit report and they are now show an increase of {$670.00}!!! While each month I have made {$55.00} dollar payments. Only a few days after noticing each of these odd reports, they disappear. I have taken screen shots of each one that I have noticed, which I check my report like 5 times a week through XXXX XXXX. These false reports are effect my credit rating!!! I am contact them, my state attorney Generals office and a local attorney. I know XXXX has been in hot water over all their shisty behavior and I can prove what they have been doing to me! I have documentation!!!

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 2018-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Louisiana Recovery Services Inc.
State: TX

Complaint narrative:
This company robo-called me 36 times in 10 minutes. I would not pick up and they continued to call back over and over again

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 2018-09-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
CFPB COMPLAINT : This is to file a formal complain to CFPB against SATANDER CONSUMER USA XXXX. This is with regards to my account ref # XXXX. I would like to report this businesses UNFAIR BUSINESS PRACTICES including they LACK OF CUSTOMER SERVICE. Below are their  violations : 1. CANCELLATION OF AUTOPAY/ACCOUNT MISHANDLING. I called Santander today XX/XX/2018 and Spoke to a representative named XXXX. He confirmed that the last auto payment was posted XX/XX/2018. He also confirmed that Santander cancelled the autopay because the payoff amount ( last payment ) is lower than the actual regular scheduled payment. Why would the cancel my autopay if the payoff amount is lower? I would have understood that they canceled my autopay if my payoff amount is higher than the designated payment amount, but this is not the case. Cant they just change the amount to what they payoff amount is instead of canceling my auto pay? This is definitely one of their Unfair Business Practices. 
2. LACK OF CUSTOMER SERVICE. Santander did not notify me that they will be cancelling /disabling my autopay. When I called today and spoke to two different representatives. They said they normally do not send out notifications, or they dont notify clients about it. They confirmed that there are not notes on the system showing that I was notified about my autopay status. 
3. DISPUTES SHOULD BE DONE BY SUBMITTING A DISPUTE TO THE CREDIT BUREAUS. 
Santander refused to help resolve the error they reported on my credit report. The rep I spoke with, said that I need to file a dispute to the credit bureaus first then the credit bureau will contact them. When I asked the rep why I can not file a dispute directly to them and why do I need to go to the credit bureaus, he just said that that is the process. Their credit department do not even have a phone or fax number. 
4. SANTANDERS REFUSAL TO ACCEPT THE PAYMENT OVER THE PHONE. Attached to this complaint is a letter from my ACCOUNT MANAGER XXXX XXXX who manages this account and makes payment for this loan. As a matter of fact when I spoke to Santander rep today, they confirmed that they have her name showing on the account enrolled for the auto pay. The refused to assist her when she called Santander and refused to accept payment over the phone. Had Santander accepted the payment, then we will not end up with this situation and my credit file should have been damaged. 

Despite the fact that the damage on my credit report are due to their errors, they wont help. Their negligence and unfair business practices violates the California Credit Reporting Act due to missing late payment disclosure. They wont even accept a dispute and wont do anything to delete the incorrect and unfair late payment theyve reported. These facts are enough for me to file the SC100 ( see attached ) in 30 days and take this a step further if this issue will not be resolved here in the CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: ZIONS BANCORPORATION
State: GA

Complaint narrative:
Between XX/XX/2018 and XX/XX/2018, Zions ' Bank ( hereinafter " Zion '' ) deliberately stacked my transactions so as to ensure that I would incur OVERDRAFT FEES. 

FURTHERMORE, the only reason that I my balance dipped below {$0.00} was because ZION erroneously and/or deliberately assessed {$64.00} for a transaction wherein I had sufficient funds. Zion continually  assessed OVERDRAFT fees in connection with deposits made via XXXX or other payment processors even though the funds are available at the consumer 's end. 

Zion has been engaging in this behavior since the beginning of the year XX/XX/2018 and has been obliged to disgorge over {$1000.00} in incorrectly assessed OVERDRAFT FEES. 

This continuing behavior is tantamount to a criminal conspiracy to defraud its clients and I respectfully seek your assistance with the same.

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