vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
This complaint is pertaining to a new account promotion offered to me for opening Citi Bank Savings Account XXXX. The promotion offered XXXX XXXX ( XXXX  ) miles for opening, funding, and maintaining a certain balance for a specific amount of time. The account was funded with {$10000.00}, making it eligible for XXXX miles if the money was held in the account for the required amount of time. 

I reached out to Citi Bank via their direct messaging platform on XX/XX/XXXX, asking when I would be eligible to withdraw the funds per the terms and conditions of the promotion. The sole reason for opening the account was for the promotional miles being offered. The Citi Bank representative, XXXX, told me that : " I can see that you have successfully met the offer requirements by XX/XX/XXXX. You can move the funds now as the account met the requirements. Bonus miles will be credited to your XXXX  account within ninety ( 90 ) calendar days from the date ( XX/XX/XXXX ) you complete all Required Activities. '' A screenshot was taken of his responses. 

Based on this response, I withdraw the majority of the funds. 

After the ninety days passed and no miles were credited to my account, I reached out to Citi Bank again, asking the status of these miles. The representative also told me that I had met the requirements and put in a ticket for resolution. 

I was recently informed, via an online letter, that I had not met the requirements for the promotion because I withdraw the funds early. 

My complaint is that I only withdraw the funds after asking Citi Bank when I could do so without jeopardizing the new account promotion. Whether XXXX was correct or incorrect in his response, I should not be penalized for that mistake. The bank told me that I had met the requirements, then they said I did not. I am filing this complaint with the hope that I receive those XXXX promotional miles. 

Thank you in advance for your time with this dispute. You can reach me via cell at XXXX or by email at XXXX. 

Very Respectfully, XXXX 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 non-monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: UPGRADE, INC.
State: DE

Complaint narrative:
I have been contacting Upgrade Card to remove me from their mailing list. I use their contact us feature on their webpage as well as XXXX. They never respond at all. I get 3 mail pieces from them awake and at this point I consider them violating Do Not Solicit Laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
PHH Mortgage Services fails to send out any kind of monthly statements. My payments are ocer {$1400.00} a month. I have no idea what or where my money is going. I have no proof where my money is being applied. Or the remaining amount on the mortgage. How do you trust a company that does not provide you with paper work when they are suppose to be in charge of a loan. This company is will known for it fraudlent activity can not be trust. The month of XXXX they held my money order until XXXX to cash it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Mary Jane M. Elliott, P.C. Attorneys At Law
State: MI

Complaint narrative:
I signed up with a company that helps people pay debts. I didnt know about this debt until I recently had my credit report pulled. I have not received any information to verify the debt. When I call I can never get anyone to answer the phone so that I can pay on the debt. The company I signed up with for debt consolidation cant get in contact with them. From the reviews of the website Im not the only person who has issues trying to pay on their debts. If it is mine I will pay it. Ive tried for 2 months to get information and I cant get information because no one answers the phone. I get phone calls threatening a lawsuit but I havent been served yet. I was trying to avoid a lawsuit but now Im just fed up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Control Technology, Inc.
State: NJ

Complaint narrative:
There is various incident with this company for not presenting the entire options to me but only asking me to pay 82 % when I asked if there was any other option they told me. They have constantly emailed me stating my information will be sent to collection. I expressed on XX/XX/XXXX to the first agent I am not able to make that payment. I told her she can reach on a specific date which she never did, I had to call to follow up and when I did she literally started screaming at me telling her this, not her credit that will be damaged and she does care. This call was recorded I was upset and felt disrespected and the same time. She then apologizes. The information they are presenting is not accurate and they are not being very clear with what they are doing. 

I reached l on XX/XX/XXXX to clarify what was going on. They then mentioned there were various payment plans available this time but this was not stated in my first conversation. After they reported it to the credit agency which drops my score down 60 points. If I knew was making payment before given these payment options my account would have not been reported to the credit agency. I express this to the supervisor here name was XXXX # XXXX, before the called transfer to her there was literally a conversation about me and they had a full-blown laughing fest before speaking to me, how is this professional. She came with these very dismissive attitudes on the phone. I am not sure this agency should be in operation and their practices are not professional at all. I explain all this to her and basically shake it off. When I told her if I was given then payment options earlier which had 3 months / 6months/ 9 months and 12 months. I would not have my scored drop 60points. They are saying even if my account was making payment on it would have still been delinquent? 

I feel like this unfair treatment is how they go about targeting folks. The name of the agency is Account Control Technology Inc. XXXX XXXX XXXX XXXX XXXX, OH 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 2021-07-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/21, I opened an Citibank XXXX Savings account and funded {$20000.00} through an ACH. When the money was transferred from XXXX XXXX, I tried to log online with Citibank to verify that they received the funds and I discovered I was locked out of online access. When I contacted Citibank on XX/XX/21, I was transferred to 8 or 9 people and I was told that I was now a multirelational customer ( I have a Citibank credit card for over 30 years ) and that I had to speak with the banking side. I contacted them and was told that my online access wouldn't be back until I received a debit card for the XXXX account which would arrive in 5-7 business days. Meaning that I was locked out of paying my credit card as well. They overnighted me a debit card and I was able to login back in online on XX/XX/21. I could see both my XXXX Savings and my credit card but funds were not available in the savings account. There was a message that stated that I " violated the terms of your account per the client manual '' and that they were automatically closing the account and any other Citi accounts within 60 days and sending a check for any funds belonging to me. 

Citibank provided a phone number on the notice with hours that aren't correct so I couldn't reach anyone at that number. I used a phone number that I had obtained on XX/XX/21 and was not given any answers as to why my account was flagged and was told that I couldn't ask for my money back sooner. That the policy was was it is and that is that. 

Also, in researching how to transfer my money back, Citibank won't allow you to transfer any more than {$10000.00} a day or {$15000.00} in a rolling 30 days and you can never go below {$500.00}.

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 2021-07-23 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:
On XX/XX/29, I sent letters regarding inaccurate and false on my credit report. To this day, I wasn't notified of any investigation taking place. It's been more than 30 days since my first letter. I feel like I'm being ignored of my disputes. This are deceptive practices by those agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: MD

Complaint narrative:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. 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 2021-07-23 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: MD

Complaint narrative:
This is the last letter that I am sending you before I take legal action. This is absolutely ridiculous. Your company is literally violating my rights as a consumer. If you are confused as to which rights let me tell you. 15 USC 1681c-2 as you refuse to block this information from my report within 4 business days of the receipt of my identity theft report. 15 USC 6801 as you are violating my privacy and causing substantial harm and inconvenience to me as a consumer. 15 USC 1681a as these alleged accounts are clearly from an authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. Lastly 15 USC 1681b as these fraudulent have been included in my consumer report with ANY written instructions by me. With that being said please remove these fraudulent accounts that are listed within the FTC affidavit that I included. Please also review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Account Name : CAPITAL ONE Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$700.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Reason : Identity theft Please remove it from my credit report. 


Account Name : XXXX/XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$2100.00} Reason : Identity theft Please remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax continues to report information that they indicated would be deleted in XX/XX/2021. 

The results of my dispute were sent to me via USPS indicating that ( 7 ) hard inquiries would be deleted yet they continue to report these inquiries. 

This complaint involves the reporting of information that Equifax has previously reviewed and concluded would be deleted. 

This is not a dispute of information on my report but a complaint regarding the failure of Equifax to delete information that indicated would be deleted. 

Litigation to follow

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
On or about XXXX of 2021, I applied for a Mortgage re-fi with Quicken-Rocket Mortgage. Once the appraisal was reported I noticed several inconcistencies in the report. Including, comparables used that were not of the same or similar quality as my home, the report was incomplete in certain sections, the appraiser was a trainee.

I reached out to Quicken-Rocket Mortgage based on the instructions of my loan officer to discuss with their Appraisal Relations Dept, who were supposed to be the first line to appeal an appraisal. Without being given the opportunity to appeal the value I was told the report had been reviewed and that Quicken-Rocket Mortgage would let the low value stand. I was transferred to various people no less than 10 times with the offering that it would be taken care of only to again be told the appraisal would stand.

Quicken-Rocket Mortgage failed to explain to me how my site value is determined to be $ XXXX in value when the XXXX County Appraisal District shows my property to be taxed at over $ 38k and that is with my homestead exemption? Its also noted when the appraisal which came in at $ XXXX ( less than 6 months ago ) Quicken didnt seem to have a problem with me moving forward. 

There are no properties anywhere in XXXX with XXXX sf of even undeveloped land selling for $ XXXX, that is just ridiculous even to imagine. As a real estate broker, who actually does this for a living who is also not a trainee, I would like an answer to this question. How did my site value drop that far below an already discounted XXXX County Appraisal District assessment?

Quicken accepted an appraisal report that is incomplete to be acceptable. The entire Data Cost Approach section is left blank.

Quicken-Rocket Mortgage denied me the opportunity to appeal the value given in the appraisal by submitting new comparables or by challenging errors in the report.

Quicken-Rocket Mortgage told me they had not had any communications with the appraiser, however, I was told my the appraiser after I canceled my loan application with Quicken-Rocket Mortgage that he had in fact been contacted by Quicken-Rocket Mortgage and instructed not to communicate with me.

By not allowing me to appeal my value and not giving the appraiser the opportunity to correct errors in the appraisal, Quicken-Rocket Mortgage is causing yet another home belonging to a person of XXXX in an underserved neighborhood, to be reduced in value.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
When we completed the Covid forbearance program, we received paperwork dated XX/XX/2021, which states that my next regular monthly payment will be due on XX/XX/2021. My normal monthly payment is {$1300.00} ( this amount includes escrow ), and I made a payment of {$1500.00}. However, my {$1500.00} payment was applied to XXXX ( should have been XXXX ), so now my account is showing past due. I have called several times over the last free weeks and no one has been able to help me, and Ive been transferred around to multiple departments. I sent an email to XXXX, and I have not received a response. Ive been getting calls from their collections department trying to collect my late payment. I explained the situation to them and they are unable to fix the issue. So now I am being harassed by collections for this supposed late payment. This is unacceptable and needs to be fixed immediately.

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 2021-07-23 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Loan was paid off in XX/XX/XXXX. Fees are being charged to my bank account that have no basis after payoff. This is the second time, once in XX/XX/XXXXand once in XX/XX/XXXX. The bank says they dont know why and in fact see no record of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
I setup the escrow account when I bought home in XXXX. After one year later, my first mortgage company sold my mortgage package to a new company named DOVENMUEHLE mortgage from XX/XX/XXXX. From XXXX to XXXX, they paid all tax just on time ( three separated bills ). But at the end of XXXX, they refused to pay my mud tax even my mud tax department send them the bills three times. So my mud tax department directly bill to my home. I called the Dovenmuehle mortgage first time, they said they will take care of everything and let me no worry about it. But after two weeks later, when I called them back, they said they refused to pay it because they only pay the county tax. I told them my tax was separated into two bills by the county and you have to pay separately. 

Then I called them the third time, another lady promised me to pay the bill soon and they want me to send them the scan of the delinquent bill, I sent them bill several times. But after two weeks when I called them back, they said they can not pay the mud tax because they only pay the county tax.

So I setup an conference call between my mud department and my mortgage company to explain the bill to my mortgage company. My mortgage company again to promised to pay the mud tax in a month. But when I checked it at the end of that month. They sent the check to the wrong address. Actually, they have all correct information on delinquent bill. 

Today I called them again to ask why my mud bill still due for the payment. They said they removed my case, I asked them why? They first even didn't know that happened, but after I was yelling to them, they finally explained to me, the check was refused. So I told them please check the correct address on the delinquent bill. Hopefully, this time they will pay it. 

I asked all my friends and some other mortgage companies. They all said the separated bill is so normal in the escrow account. I totally don't understand why this company don't have this even common sense. 

I called my mortgage company from XX/XX/XXXX to the end of XX/XX/XXXX more than XXXX times and I was so disappointed with this mortgage company. But so far, they still didn't pay the bill.

Company response to consumer: Closed with explanation