vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Citi bank priority checking account on XX/XX/XXXX and funded with {$50000.00} in order meet a promotion to receive XXXX   bonus points. I opened the account at the XXXX XXXX XXXX branch with a banker. The promotion required that the account be funded with {$50000.00} have 2 consecutive direct deposits within 60 days of opening the account. My first direct deposit was completed on XX/XX/XXXX and I did not remove my direct deposit from this account since. If I completed the activities stated above I would receive XXXX  points.

I spoke to my banker that opened my account in XX/XX/XXXX to find out the status of my points since I have not yet received. He said that I should be receiving them soon. I then waited until XX/XX/XXXX to follow up with my banker and he did not respond. I emailed him again on XX/XX/XXXX. He then responded and said he would look into it. I received to response. I then emailed him again onXX/XX/XXXX and I did not receive a response. I decided to then call Citi customer service since my banker was not responsive. They said they would complete an investigation and get back to me ( reference # XXXX ). I then received a letter with investigation results on XX/XX/XXXX. The results said that I did not complete 2 consecutive direct deposits within 60 days. I checked my account and I in fact had 2 consecutive direct deposits within 60 days of opening the account on XX/XX/XXXX. The first being on XX/XX/XXXX and the next deposit was on XX/XX/XXXX. I then called to discuss these inaccurate findings. I was transferred to multiple parties and no one was able to help. I finally came across a customer service representative that was willing to help. He said agreed that I completed the required actions to receive the bonus points and he had to speak to his manager to have this corrected. He called me to update me on the status and let me know that the issue was not yet resolved and then stopped calling me. Of course, there was no way for me to contact him directly. This issue has still not been resolved and I am exhausted trying to work this out directly with Citi bank.

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 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
this complaint is against JP MORGAN CHASE BANK. In XX/XX/2017 they send me an email saying that i have been preapproved for their financial products chase freedom and freedom unlimited, so i went online and applied for both the credit cards, both was approved chase freedom :XXXX credit limit chase freedom unlimited XXXX credit limit i started using both the cards, made all the minimum payments on time ( 100 % ) on time.i had to use some high amounts for some personal reasons, but every month i made all my minimum payments on time, last month they sent me a letter saying that both my cards ( accounts ) have been closed WITHOUT WARNING, atleast they can send me a warning letter stating ur balances are high and you have to pay some off or your account will be closed, NOTHING LIKE THAT, OUT OF THE THIN AIR ONE MORNING THEY ARE SENDING ME A LETTER SAYING THE MY BOTH ACCOUNTS ARE CLOSED AND NO LONGER CAN USE THEM, I have a CHECKING ACCOUNT WITH THEM from past 7 years ( still active ) where my all my money goes. this is not fair from chase, I tried for a government sponsored mortgage which is a USDA loan 0 % down payments 1 % interest rate, but i was denied because chase closed my both the credit accounts, cancelling all the limits on the credit card, my score from XXXX  went down to XXXX, THE USDA LOAN STARTS FROM XXXX  SCORE, THIS IS NOT FAIR, the mortgage officer told me the only thing affecting your score is the closing of your high limit credit card from chase, now IM GOING TO XXXX XXXX, IM GETTING SICK, I can not work as I'm XXXX  upset EVERY AMERICAN DREAM IS TO BUY A HOUSE, just because of JP MORGAN CHASE MY DREAM IS SHATTERED IN TO PIECES, they can close my account if i missed any payments or if i lost my job, i always made my payments on time, they can not just offer something and take it back for no reason.

please US government, if you guys respect the US CONSTITUTION you have to help me resolve this issue, as an American citizen i don't feel protected by the government, ACCORDING TO OUR CONSTITUTION EVERYONE WHO LIVES IN THE UNITED STATES HAVE THE RIGHT FOR LIFE, LIBERTY AND PURSUIT OF HAPPINESS, PLEASE DONT LET THEM TAKE IT AWAY FROM THE PEOPLE, if there was any negativity from my side i can totally understand it, they cant just do this to me, I'm denied the govt usda loan because of this, I'm going in to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The payment history on this revolving account ( Acct # XXXX XXXX is being reported inaccurately. I have never paid this account 30 days late. In addition the referenced late payment is invalid as the month of XX/XX/2018 only has 28 days and not 30.

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 2018-04-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
The payment history on this revolving account ( Acct # XXXX XXXX is being reported inaccurately. I have never paid this account 30 days late. In addition the referenced late payment is invalid as the month of XX/XX/2018 only has 28 days and not 30.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
I reached out to my company on XX/XX/XXXX to defer a payment and I was not approved. I was advised I could make a lesser payment but because I made a partial payment in XX/XX/XXXX I would need to make a full car paymnet. I advsied the agent I only made on partial payment in XX/XX/XXXX prior to my vehicel being repossed and when I paid to get the vehicle back I covered that. I was then advised they cold send me my payment history. I looked at the payment history online as well as my bank statement showing I made a payment un XX/XX/XXXX( which covered XX/XX/XXXX ), a payment in XX/XX/XXXX ( which covered XX/XX/XXXX ) and a payment at the end of XX/XX/XXXX ( Which covered XX/XX/XXXX ). I was advsied they will open case # XXXX, and I should hear something within 72 hours. I called today and had the exact same conversation as I did last friday with no one calling me back and my loan continue to accure fradulent interest and fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: TCF NATIONAL BANK
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX is an abusive and illegal company with untrained reps. They have charged me an interest rate of 17.99 % which is above the 16 % usury law of NY. They have applied 90 % of my payments to interest. after over {$7000.00} in payments, the principle is lowered less than {$1000.00}. When im late, they spam my phone with calls from several different numbers harassing me, family and friends. They even paid me {$1000.00} hush money when i threatened to sue because they threatened me, to have me arrested and steal my car if i didnt pay them before they hung up. Their staff is a bunch of liars who promise of you make a payment itll be applied one way, and apply it completely different.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account information incorrect
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have an auto lease with GM Financial that I opened last year. I have always had problems with them billing me the correct amount each month. Now, I have noticed that they have not been updating this account on my credit report correctly since last XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-27 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: ERC
State: IL

Complaint narrative:
Im filing this complaint because this company is being unfair. I paid the collection amount and I am no longer liable on this account but they declined to remove the negative reporting even if I already settled the account. The amount owed on this account is something I should not be obligated to pay either. I was deliberately mislead by the representative who assisted me with opening up my XXXX account. He indicated to me that I was not under any contact but that he had to write an agreement for a set amount of months. He told me directly that there is no early termination fee and I am free to cancel if I am unhappy or just do not wish to continue service anymore. This did not turn out to be true. I cant help but feel a little cheated here because I specifically asked about this and I was mislead.

My family is dealing with a lot of problem lately, a XXXX XXXX, a mother that needs XXXX XXXX and a landlord that do not want to renew our lease. I want to purchase a new home for my family which can help them be in a comfortable state, the reason why I am currently trying to rebuild my credit, but this Agency is preventing me to do that for my family. We are in a very difficult situation and I'm trying to be strong for them.

To resolve the problem, I would appreciate if they can remove the negative reporting on my record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I requested a mortgage modification with XXXX XXXX, the modification request has been processed and I received the documents for the Trial period Loss Mitigation option. The modification documents have my ex-wife name on them and they are also requiring her signature, XXXX XXXX was Quit claim deed off the property XX/XX/2016. The mortgage loan was obtained in my name only. I can't sign these documents because they are incorrect and they include her name. If my ex-wife signs these documents it will add her to the mortgage loan and Title, Regions will record the modification agreement adding her name to they are of which of which she wasn't ever on the mortgage.

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 2018-04-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I have Federal Student loans that were serviced by Navient/Sallie Mae starting in roughly XX/XX/XXXX, but perhaps prior to that date. Of course, I had no choice in the matter as to whether I wanted Navient/Sallie Mae assigned to me. During Navient/Sallie Mae 's time as my servicer, I made payments that I was led to believe were Income Driven Repayments which were verbally certified to me as such by Navient/Sallie Mae 's customer service teams. The reason for me choosing IDR payments were twofold : 1. So that I could manage my personal budget better ( I am a XXXX XXXX XXXX and could not afford the monthly payment ) and ; 2. So that I could be eligible for the Federal Government 's PSLF Program ( Public Service Loan Forgiveness ) which was signed into law in XX/XX/XXXX.

When I recently was contacted by my new servicer regarding my PSLF status, I learned that Navient/Sallie Mae reported that I had made XXXX ( XXXX ) qualifying payments, which is completely contrary to what they were leading me to believe I was doing from the time period when they were my servicer. When I have contacted Navient, they deny any records and claim that I have to contact Sallie Mae, and vice versa. Furthermore, Navient/Sallie Mae reported to my current servicer that I was in forbearance during periods of time which I believe are inaccurate. I am acquiring bank statements to prove this fact. Navent/Sallie Mae should credit me with the proper qualifying payments, and if need be count my payments that were made during forbearances that I did not request.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Received a notice of debt due in a letter dated XX/XX/XXXX. The debt results from a lease that terminated on XX/XX/XXXX. On XX/XX/XXXX I received a notice of eviction. On XX/XX/XXXX I went before the Justice of the peace court in Texas regarding the eviction. The judge ruled against the creditor and we agreed that I would vacate the property upon termination date of my lease. On XX/XX/XXXX, the creditor served me with another notice of eviction. I moved out of the property in question on XX/XX/XXXX.

The creditor is accessing me an early termination fee and various other charges under the lease. I have disputed the validity of these charges with the collection agency and the creditor. I have requested copies of documentation, including a copy of my lease, to date, I have only been provided a copy of my lease and not other documentation which could potentially resolve this matter.

OnXX/XX/XXXX, I received notification that the amounts in dispute were being filed with the national credit bureaus and shown as " disputed ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: VA

Complaint narrative:
Since XX/XX/2017, I have sent in my normal monthly mortgage payments on time with an additional {$5000.00} or {$10000.00} to reduce my outstanding principal. Seterus has used the additional money, specifically identified as additional principal, for the next month 's monthly payment. After complaining Seterus made the corrections. The next month I sent an additional {$5000.00} for reduce the outstanding principal in additional to the regular monthly payment Seterus than used the regularly monthly payment and the additional payment to reduce the outstanding principal. Seterus then reported that I was late in paying my monthly mortgage payment and charged me a late payment of about {$84.00}. Why does a mortgage company do this even after reporting and complaining about the poor service and incorrect payment accounting. Seterus even had the gall to report that I had to enroll in a special program in order that any additional funds sent to reduce the outstanding principal. I asked where on the contract was this stipulated and why is this not done in writing. 
Seterus even sent me a threatening letter that my credit report would be affected from my late payment. Seterus as a mortgage company is terrible, poorly managed, tries to take advantage of the customers, threatens you with credit reporting when not correct, and is not responsive to corrections.

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 2018-04-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Agency of Credit Control
State: OK

Complaint narrative:
Collection of {$62.00} filed with XXXX  and posted XX/XX/XXXX : AGENCY CREDIT CONTROL XXXX XXXX XXXX XXXX XXXX, CO XXXX ( XXXX ) XXXX Original Creditor : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, OK XXXX  ( XXXX  ) XXXX The claim challengedXX/XX/XXXX with documentation proving the claim was false and XXXX  removed the claim from my credit report ( XX/XX/XXXX. )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX I asked XXXX XXXX to remove the account they have reporting on my credit report and its been almost 2 months and they have not done anything to fix it. It still says investigation in progress. I would like it removed!

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX is reporting lates on my report and I am not responsible for said account. {$12000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX They are reporting an account that does not belong to me on my credit report. I disputed this account and they verified the account with the bureaus and I am unsure how since it do not belong to me. I would like someone to show what they verified this info with.

XXXX XXXX XXXX XXXX XXXX   DE XXXX ( XXXX ) XXXX XXXX is reporting a medical bill that i disputed and showed proof of insurance. They still have not removed it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
I tried to close my account on XX/XX/XXXX and there was a maintenance fee charge of {$25.00} that was refunded however had to call back the next day to close the account. I did not get around to calling tillXX/XX/XXXX and was charged another {$25.00} Maintenance fee for an account that has not been in use for the last 2 months. The customer service representative said I had to pay the {$25.00} before closing my account. I told her that I'm not paying for something that I am not using. I used all the funds in the account to buy a house and left the account with XXXX  funds in XX/XX/XXXX.

I don't have time to keep calling and the account should have been closed the first time I called. Why did I have to call back again and did call back in the same month an now have another fee and can not close the account. I requested to speak to a supervisor and was on hold for 15 minutes. The supervisor refused to close my account unless I paid the fee. This is an UNFAIR DECEPTIVE ABUSIVE PRACTICE. I would like my account closed and fees waived. Also TD should not be reporting me to XXXX XXXX for fees that I'm not responsible for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: CA

Complaint narrative:
Today XX/XX/XXXX, Caliber Home Loans has placed a fraudulent Notice of Trustee Sale on the door of my home. My elderly parents are very upset since this case is presently pending before the Bankruptcy Appellate Panel ( BAP ), therefore any collection activity was in violation of Federal Law. We attach a copy of the Appeal filed on XX/XX/XXXX since all Pre and Post-Petition Bankruptcy payments have been paid since XX/XX/XXXX Also, we have still not received a correct updated history of all payments made on this loan since the year XX/XX/XXXX. Nor have we received a correct XX/XX/XXXX for XX/XX/XXXX& XX/XX/XXXX, and information regarding the different investors including, XXXX, XXXX XXXX XXXX etc. We have two different signed NOTES and would like to know which is the original? None of these issues have been addressed per RESPA, FDCPA, etc. and we would like the CFPB to intervene. From what we understand XXXX XXXX   has just been fined $ XXXX for unlawful foreclosures and fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
I paid a balance due of {$340.00} to XXXX for a deferred interest promotion that was expiring XX/XX/XXXX. The check was mailed onXX/XX/XXXX and I notified the representative that the payment was in the mail via check. She told me they would allocate the payment to my account and allow up to 30 days until my check arrived.

My checked was mailed -XX/XX/XXXX and XXXX  did not post my payment until XX/XX/XXXX after the next interest period causing me interest fees.

When I spoke with the representativeXX/XX/XXXX after having received my new bill today XX/XX/XXXX my payment had still not been applied to the promotional amount. I had to request the allocation of the payment once again to the promotional balance expired XX/XX/XXXX. She allocated the payment to alleviate the interest charges but had I not phoned them it would have never been allocated and my deferred interest payment fees would have ensued. I was told it would be applied in 24-48 hours but not be allocated for 1 or 2 billing cycles ... .to my account. The total of {$59.00} deferred interest fees will be credit back to my account. I have 2 concerns : 1. How many customers have mailed payments for their deferred interest timelines and were not credited back their interest charges. Did all of the customers have to call again and request their payment to be allocated? I had already called and made conversation the amount being sent and what it was to be allocated for the first time, why was it not applied? 3. Why will it take 1-2 billing cycles for my credit to post to my account ... for more interest to be earned by XXXX a million customers ....?

2. Why did it take 25 days for my payment to post to my account ... could there be additional interest charges being gained by XXXX ... .to hold the payment? I was told it would show as a credit in 24-48 hours but why up to 2 billing cycles to show on my statement. Please investigate the XXXX   store card.

I

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