vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for a Citi ThankYou Premier Card on XX/XX/2018. I knew that Citi Bank in the past discriminated against users having the same card more than once and trying to get the sign up bonus again. I have never had the Citi ThankYou Premier Card before, and after perusing the terms and conditions, I didn't notice anything that would disqualify me from receiving the XXXX points offered for spending {$4000.00} in 3 months. Upon completing the spending requirement, I noticed that I was not receiving the bonus. I was later notified that they inserted a new clause stating that if you have had ANY Citi card that was opened or Closed in the prior 24 months, then I would not be eligible for the bonus with this entirely different card. Since I had previously had the Citi Prestige Card and closed it 1 year before applying for this card, I was deemed ineligible. The only reason I closed the Prestige card is because the bank stripped all of the perks and benefits that made it worth keeping open and it was no longer worth the hefty {$450.00} annual fee attached to it.

My issue with Citi is that there's no precedent for ever declining a credit card bonus to a customer based on the fact that they CLOSED a completely DIFFERENT card within the last two years. XXXX XXXX notifies their customers when they attempt to submit an application, that the user would NOT be eligible for the card 's sign up bonus and asks whether they would still like to proceed.

I felt like Citi 's terms and practices were and are deceptive and they were perfectly happy to run my credit, take commissions from thousands in spend, and then absolve themselves from any wrongdoing. It's not clear from their terms that having a COMPLETELY different card that was closed over a year ago would disqualify me from this separate card 's sign up bonus. I've asked for them to award me the bonus OR at least remove the hard inquiry from my credit report. They sent me a later saying they've done nothing wrong and that their terms are not misleading. I've encountered other individuals who have been victims of this deceptive practice and unfair terms. Can you please help me not only resolve this issue but ensure that credit card companies, starting with Citi, do not take advantage of users with arbitrary and misleading terms and conditions?

Thank you in advance.

Best, 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 explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I have been with Wells Fargo for over 22 years. I went onto the mobile app today and saw one of my accounts were closed without notice. So I called them and they confirmed they never sent out any notifications and just closed it on XXXX XXXX. They also said they can't reipen it. What options do I have? I know closing accouts affects a credit score and this was wrongfully closed. They said it was due to inactivity but if I was notified I could have transferred money into it. Please Help!

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 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: CT

Complaint narrative:
XX/XX/XXXX Check Check XXXX View Check {$1200.00} XX/XX/XXXX Electronic Check XXXX XXXX XXXX XXXX XXXX MtgPayment XXXX {$1000.00} XX/XX/XXXX Electronic Check XXXX XXXX   XXXX XXXX  XXXX MtgPayment XXXX {$1100.00} U.S. Bank has held these funds in " Suspense ''. 
XX/XX/XXXX Received notice of default from U.S. Bank. 

I am now facing foreclosure despite making timely payments.

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 2019-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: D2 Management LLC
State: TX

Complaint narrative:
In XX/XX/XXXX I began getting calls from XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, GA XXXX  ph XXXX E-mail : XXXX Website : XXXX ) and they were trying to collect a debt from a XXXX XXXX and Mrs. XXXX. I complained to them that ph # XXXX  belonged to me and has been my number since XX/XX/XXXX. After filing a lawsuit on XXXX XXXX XXXX through XXXX XXXX XXXX , XXXX, they agreed to stop calling me. But in turn XXXX XXXX XXXX sold my personal information to D2 Managent ( XXXX XXXX XXXX XXXX, SC XXXX ( XXXX  ) XXXX ) who has been calling me to collect a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
Student Loans are through Navient. In XX/XX/2018 I renewed my IDR through Student Loans.gov. In XX/XX/XXXX I called Navient and a girl couldn't locate it, so I called back and spoke to a guy who said he did locate it, but it was not processed. He said he would put a rush on it and in the mean time do a forbearance to bring account current through XX/XX/XXXX. I did that, and in XX/XX/XXXX I began getting mail, emails and phone calls about payments. I called them in XX/XX/XXXX and the girl said it was still being processed. Now we are at end of XX/XX/XXXX and I'm still getting phone calls, statements and emails that I'm behind in payments and that I should do a forbearance again. I sent them an email stating that I would not do that and that they need to do their job and process my IDR. I even check on the website and it was never processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
I want to make a complaint about D.Scott Caruthers collection representative I really don't know how much I owe at first it was {$4000.00} I started paying it went down to {$1.00} something, when my mom got a call threatened her if I didn't call back I was going to get arrested.. I wanted to check the recording but of course they didn't let me.. I called and they said it was now XXXX Now I never had a bill mailed only a verification of payment

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: IN

Complaint narrative:
My mortgage is currently serviced Seterus, which was transferred from XXXX XXXX   on XXXX. On XXXX, I paid {$64000.00} direct to Seterus. This payment should have reduced my balance to around {$8000.00}. Seterus does not show proper application of this payment. Seterus has continued to accrue 6.375 % at the old principal balance, thus driving up the past due amount artificially ( see attached ). The attached statement also shows past due escrow of {$11000.00} and {$3500.00} of extra charges that were accounted for prior to the {$64000.00} payment. The statement also clearly shows an accelerated amount of {$21000.00} that Seterus can't account for. I have requested payment ledgers to prove up the validity of the accounting, which Seterus has failed to provide. Per RESPA and HUD law, Seterus is required to respond the QWR timely. Since Seterus is deemed a debt collector, they are bound by the FDCPA. Per the FDCPA, Seterus is in violation of 15 US Code 1692g. Seterus is required to prove up the validity of the debt before proceeding with foreclosure action. I feel cheated and deceived by Seterus and I am seeking your assistance on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: NH

Complaint narrative:
in XX/XX/XXXX my federal direct loans were being serviced by XXXX. In order to enroll in Public Service Loan Forgiveness I was directed by XXXX to consolidate which I did. I'm not being told by XXXX that they were in the wrong type of consolidation account ( I wasn't given a choice on type of account ) and instead of my PSLF qualifying payments beginning to count toward the required 120 payments for forgiveness in XX/XX/XXXX when I began working for a non-profit full time, I'm being told my qualifying payments didn't start until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Hello, My name is XXXX. I initially had a student loan with Sallie Mae, and now it is transferred to Navient. The loans were disbursed in 2006 for a total amount of XXXX. And a total of 8 different loans. Some of the loans were deferred without my knowledge for 4 years. So basically after 13 years my loans are still owed XXXX. So I have only paid off XXXX dollars. I have calculated that I have actually paid XXXX in total payments to Navient. I will attach the file I pulled from Navients website as proof. All eight loans have different percentage rates, and it is all very confusing. I feel as though Navient, and Sallie Mae have taken advantage of me, and that I have lost a good amount of money because of their negligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Beginning in XX/XX/2018, I was contacted in person by b XXXX XXXX XXXX XXXX. I agreed to have them run my campaign on XX/XX/XXXX and placed a {$1500.00} down payment with my Capitol one Quicksilver card the next dayXX/XX/XXXXXX/XX/XXXX. We were supposed to go live XX/XX/XXXX and have a meeting. XXXX XXXX XXXX, their representative, and owner did not show up and did not return my calls.

On XX/XX/XXXX I called to dispute the charge with Capitol One.

XX/XX/XXXX Capitol one responds that they have heard from the merchant and that the claim was that services were rendered XX/XX/XXXX I contact Capitol one to say that I haven't heard from the merchant and would like to know how they reached them. Customer service rep says that merchant has agreed to refund. 
I don't want to exhaust this issue, but Capitol one Can not give me a consistent wat to send them the information that this was a scam. They keep asking for a cancellation. 
THERE'S NO CANCELLATION BECAUSE THEY TOOK THE MONEY AND RAN CAPITOL ONE! CAN'T ANYONE ON THE LINE UNDERSTAND THAT! 

ANYWAY, I'm seeking relief from XXXX  customer service people at Capitol one who lack the competency to process this scam issue. They see fit to reach out through the scammers bank but can not do anything normal to resolve this for me. 

Please help CFPB

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XX/XX/XXXX my Kohls charge card was due. Previously around the XXXX of that month I had set up Autopay and it did not go through for whatever reason. I noticed on XX/XX/XXXX and paid the {$27.00}. On XX/XX/XXXX, when trying to make XX/XX/XXXX payment I noticed there was a {$56.00} minimum payment due to late fee. I called Kohls and talked to 2 representatives, and all told me they waived the late fee since I rarely miss a payment and am a preferred customer, however I would still have to make a payment of {$56.00}. The problem, I still have to pay {$56.00} on XX/XX/XXXX even though the late fee was supposedly waived. 
1 ) On XX/XX/XXXX I set up auto pay, even though hesitant from bad experience in XX/XX/XXXX. 
2 ) For whatever reason, autopay never took payment of {$27.00} on the XX/XX/XXXX. 
3 ) I paid on XX/XX/XXXX, 2 days later, a payment of {$27.00} 4 ) I went to make a payment of {$27.00} 's on XX/XX/XXXX and noticed a late fee and min payment of {$56.00} 5 ) I called at XXXX XXXX  on the XX/XX/XXXX. I spoke with 2 KOHLS  representatives. Each representative told me they would waive the late fee, but I still have to make the payment of {$56.00} which is the late fee. I asked if they could waive it, they said they could not. 
5 ) Each representative told me that the late fee goes to my total balance of {$1000.00}, and waiving the late fee takes it to {$940.00} 6 ) They still want to charge me a minimum payment of $ XXXX-this does not seem right to me. 
7 ) When asked to speak to a supervisor, XXXX ( representative ) put me on hold and came back on with the same answer, not allowing me to speak with supervisor. 
8 ) This is not the first time I have had problems with Autopay as  Autopay took a double payment, on XX/XX/XXXX and I had to dispute that with my debit card company ( XXXX ). This occurred when I talked to a representative and they told me they could not do anything. 
9 ) I have one late payment in the whole year of XX/XX/XXXX, and am a  preferred customer at Kohls  10 ) If need documentation, i can provide.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: KY

Complaint narrative:
Navient wont help me with my payments. Im a single mom and cant afford to make high payments on my school loans

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: XOOM CORPORATION
State: CA

Complaint narrative:
I have my phone but haven't money transfer to online transactions for my bank

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: AZ

Complaint narrative:
I called AD ADSTRA RECOVERY SERVICE to negotiate a pay for delete for my balance that was owed to them. The associate on the phone agreed verbally to send me a letter of proof for the pay for delete. This phone call was recorded. all of my phone calls to this collection agency was reported. I called multiple times. They confirmed they would do this. When I got the letter it was NOT a pay for delete letter releasing me from the debt owed. It was a letter showing my account balance was at {$0.00}. So I then disputed this with the credit bureau. Not only did they offer a pay for delete letter in return for me to pay the account balance owed. They told me they would delete the owed balance off of my credit report with in 30 days. I called them today XXXX XXXX. More than 30 days later and a supervisor informed me that there is no such thing as a pay for delete letter with in their company. And told me that I had to DELETE MY DISPUTE with the credit bureaus in order for them to work with me. And from the day that I delete my dispute. They will then take an additional 30 days in order for them to recognize this account paid in full and delete this off of my credit report. This sounds very odd and unprofessional. And at no time did any one mention that I was not allowed to dispute things on my credit report. Usually when an account is paid in full and the company agrees to send a letter for pay for delete. They fulfill that obligation. And if it so happens that the account is disputed. The process is simple. They answer to the dispute. The supervisor told me on the phone that once I cancel my dispute that they will THEN follow through and update my account with the credit bureaus after 30 days. 

I have attached the letter that the company fraudulently sent me instead of the pay for delete letter as agreed upon in return for paying the balance owed in full. I also dont believe its appropriate to punish some one for disputing something on their credit report and making them cancel their dispute in order to recognize the debt paid in full and delete the account on a credit report. This deeply affects and individuals credit and quality of life.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
TransUnion failed to respond to my dispute letter sent on XX/XX/2018 within 30 days. I have a copy of the return receipt they signed on XX/XX/2018. The law stipulates that they must investigate within 30 days of receiving my letter and respond within 5 days of completing the investigation.

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 2019-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
They keep calling my elderly grandfather 's house. I've repeatedly updated information giving them my number.

The last time they called there they told my brother what medical treatment I had received!!! Information not only should they not have as its a direct violation of HIPAA law, since I never gave consent for medical information to be released, but it also violates HIPAA in the fact they discussed my medical information with someone who WASN'T me!!!

I sent a written debt validation letter to them and NEVER got a response, in the letter I also requested HIPAA validation and never received it either. The letter also gave them my current address and stated I wanted to communicate via letters only.

They then called my cell phone constantly to the point I had to pay and install a robot/spam killer to avoid the calls!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
My Wife and I purchased our home XX/XX/XXXX on XX/XX/XXXX our loan was transferred to XXXX XXXX on XX/XX/XXXX our new mortgage provider Flagstar Bank sent a letter asking for proof of Flood insurance. I contacted my insurance company and explained to Flagstar Bank that my Insurance was a combined policy and I did not have a " stand alone '' policy for flood insurance. 
on XX/XX/XXXX Flagstar Bank again sent a request for Proof, which I contacted them, and my Insurance company and had the information sent again. During a phone conversation I was told that my Flood  Policy was substandard and didn't meet FEMA requirements, I again contacted my Insurance Company who told me that my flood insurance was acceptable. 
on XX/XX/XXXX Flagstar Bank again said they needed the proof of insurance, and during a phone call I was instructed that they do not accept bundled policies. 

I have received nothing more until XX/XX/XXXX when I received the escrow statement, and I noticed a payment of Flood insurance on XX/XX/XXXX. 

I have homeowners insurance with flood insurance, and I feel that Flagstar Bank is Forcing me to pay for their insurance when the policy I currently have is acceptable, as it the same insurance that the seller had when we purchased the home. Since Flagstar paid for their flood policy out of my escrow account there now is a deficit and " My '' insurance is due XX/XX/XXXX. This is intentional. as I can not have two policies on the same property, they desire my policy to lapse.

Upon further review I noticed that there is not a single piece from Flagstar Bank explaining why my Policy was substandard. I only got that information via phone conversations.

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 2019-02-01 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This complaint is regarding Violation of verification and reporting of public information. Negative items ( bankruptcy ) on my credit report ( s ), where I personally contacted the US court house and verified that they do not verify or provide information to the to 3 party credit reporting agencies. How is it possible Experian, XXXX, and XXXX are reporting a negative public record item? Your assistance is greatly appreciated.

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 2019-02-01 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: PA

Complaint narrative:
I HAVE DISPUTED THE ACCOUNT PAID ACCOUNT WITH PUBLIC SERVICE OF NORTH CAROLINA WITH EQUIFAX HOWEVER EQUIFAX HAS FAILED TO VALIDATE THE INFORMATION AFTER NUMEROUS ATTEMPTS OF REQUEST. 

XXXX IS REPORTING ON MY EQUIFAX CREDIT REPORT THAT THIS ACCOUNT WAS CHARGED OFF AS RESENT AS OF XX/XX/XXXX WHICH IS A COMPLETED LIE. THIS ACCOUNT WAS PAID IN FULL ON XX/XX/XXXX IN THE AMOUNT OF {$30.00}. THERE IS NO WAY THAT IT SHOULD BE REPORTING AS A CHARGE OFF IN XX/XX/XXXX OR ANYTIME BETWEEN XX/XX/XXXX TO XX/XX/XXXX. THIS IS UNFAIR TO ME AS A CONSUMER. I TOOK CARE OF THIS MINOR DEBT HOWEVER XXXX AND EQUIFAX ARE NOT FOLLOWING THE LAWS THAT GOVERN THEM BY REPORTING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS IS NOT FAIR AND HAS CAUSED ADDITIONAL DAMAGE TO MY CREDIT MAKING MY CREDIT REPORT LOOK LESS THAN CREDITWORTHY.

Company response to consumer: Closed with explanation