vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I came across promotional banner on Citibank website for opening a checking account and a {$400.00} bonus with a qualifying deposit. I decided to apply online using promo code XXXX provided at the start of the application process. Few days later, I reached out to Citibank customer service through online chat. The online agent confirmed my account was opened under the promotional code XXXX. He also confirmed the qualifying terms to receive the {$400.00} bonus : deposit a total of {$1500.00} within 30-calendar days and maintained the {$15000.00} minimum balance for 30-calendar days. Based on the promotional terms, I have met the required {$15000.00} balance within 16-days and have maintained at least {$15000.00} for 58-consecutive days. The {$400.00} bonus should have been deposited to my account by XX/XX/2017. I reached out to Citibank on XX/XX/2017, inquiring about the bonus. The online chat agent verified that I have met all qualifications for the {$400.00} bonus. But then she told me I failed to enroll in the promotion offer. I told her that she was mistaken as the promotional term states we simply need to open a checking account to participate in the offer. the only disqualifying criteria is for an existing Citibank account holders. She was not able to show me the verbiage in the offer, or proof to support her argument. At the end, she submitted my case and Citibank would respond within 5-7 days. Citibank has not gotten back to me and despite it their 90-days promise, I have yet to receive the bonus. This is the first financial service company I have ever had issues with, and I have been very lenient with the timeline. I 've completed their requirements, and I wanted them to honor their promise. Do what they 've promised ... .and do what they should 've done 44-days ago which is to deposit {$400.00} to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
My credit monitoring subscription notified me that Midwest Recovery Systems had posted collection accounts on my XXXX and XXXX credit bureaus dated XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX 

I have never received notice of this debt from Midwest Recovery Systems nor have I been given the opportunity to dispute this debt before they reported it to the credit bureaus. I had to look up the company on the internet to find their contact information. 

I contacted them on XX/XX/XXXX at XXXX and spoke with a XXXX He informed me that on XX/XX/XXXX, I had taken a loan from a company called XXXX in the amount of {$1400.00} and that that sum was deposited into my bank account. He told me the current sum due is now {$1700.00}. I asked for an account number to which they gave me XXXX. 

I have never heard of XXXX. Looking at my bank statement from XX/XX/XXXX, there are no deposits from anything unfamiliar nor are any of them for the amount of {$1400.00}. I have searched my bank statements from XX/XX/XXXX through current date and there have not been any deposits to my bank account in the amount of {$1400.00}. 

Midwest Recovery Systems is also not registered to collect with the state in which I currently live nor are they registered with the state in which I previously lived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TSC Accounts Receivable Solutions
State: MA

Complaint narrative:
I was treated for XXXX in XX/XX/XXXX and my insurance ( XXXX ) was accepted by the doctor. I paid my co-payments for a total of XXXX-XXXX XXXX visits. 

Some time later there was a dispute between the doctor 's practice and XXXX and apparently the insurance company refused to pay the entire amount. 

The doctor 's office billed me for the difference of {$980.00}. I do not feel that I should not be obligated to pay if the insurance company did not feel the bills were warranted. 

Later, a collection agency ( TSC Accounts Receivable Solutions ) began sending me bills which I continue to disagree with on principle. I formally disputed the claim in XX/XX/XXXX. 

I was recently denied for a credit card application despite the fact that the rest of my credit is pristine. XXXX now shows this bill XXXX and therefore XXXX black marks on an otherwise perfect report. 

I called TSC A/R this morning and requested that they remedy this error. I even offered {$200.00} as a good faith gesture even though this dispute was between XXXX and the Doctor 's practice. 

My perfect credit is important to me, and I need help in setting the record straight.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I am the president of a mortgage company that obtained a loan for some borrowers in 2003 to buy a home. The seller at the time was " upside down '' on the property on a second mortgage with " Bank One/Chase ''. A short sale agreement was negotiated and obtained from Bank One/Chase. The transaction closed and Bank One/Chase was paid off. Unfortunately " Bank One/Chase '' failed to release their mortgage on the property. 
Fast forward 12 years and the current property owners are now trying to sell their property but can not because the previous owner 's paid off mortgage is still on the property. These owners/sellers/my customers are now angry at me because something was not done correctly by " Bank One/Chase '' 12 years ago. 
We contacted Chase 6 weeks ago and provided them very clear/precise documentation that shows this loan was paid off according to the short sale agreement. We have made numerous follow-up phone calls and do not seem to be making progress. Chase 's " help desk '' response is the " release request was rejected ''. Of course we asked why this was the case and have been told it might take another couple weeks to give an answer to that. The " help desk '' implied that the collection was sold to another party and that party would have to release the mortgage. We pointed out that the old collection has nothing to do with the current home owners and that collection company has no ownership rights to the mortgage on the property since that mortgage was paid off according to the short sale agreement. 
Anyhow we have been told that someone from Chase will be contacting us in the future with an update. We have been told that several times over the last 6 weeks and have never received a call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
My lender, J P Morgan Chase, has coerced and intimidated me, through the threat of impending foreclosure, to agree to a modified replacement of my existing mortgage with them; which is highly predatory and inherently illegal, since the monthly payment exceeds the amount we discussed during the "trial" process, and since the payment exceeds my total gross income, a situation of which they were, and are, completely aware. They have refused to do anything which would make my mortgage affordable, or to concede that this modification was handled improperly. It is called "Streamlined HAMP", wherein the "A" in HAMP stands for "Affordable", which it undeniably is not. In addition, they are defrauding the XXXX and taxpayers by collecting compensation, as both servicer and investor, for setting up and administering a mortgage, which clearly violates the intent of the XXXX program, if not the actual letter of regulations. Since the mortgage amount exceeds my total income, it is absolutely impossible for me to satisfy it, and I will unavoidably be in foreclosure in a matter of just a few months, and will then be both homeless and destitute, at age XXXX and in failing health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
When I graduated from school in XX/XX/2008 I was told by XXXX that I was not eligible for XXXX deferment ( XXXX ) and that I would have to go into forbearance if I was unable to make the full payments. This despite the fact that my other loans with other companies were eligible for deferral and multiple of my classmates were able to defer. Because of this I accrued XXXX of dollars in interest during my XXXX. I have subsequently been told by colleagues and a lawyer that this was a lie and I WAS eligible for a XXXX deferment. Given XXXX actions with other groups including service members, this appears to be a clear case of purposeful obfuscation for profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I attended The XXXX - XXXX from XX/XX/XXXX-XX/XX/XXXX. The school used all my information to take out the loans for me to cover the expenses. However, I was signed up for expensive subprime loans that they knew were going to fail. I was denied income based payments after the grace period. After graduation I was making $ XXXX/year as a XXXX with loan payments of over $ XXXX/month. I also believe they failed to properly allocate my monthly payments I was giving them. The payment was broken up over XXXX different loans. I have also been denied the option to consolidate. Some loans are extremely low interest while others are very high with large balance. Was only allowed to consolidate my federal loans. I have never missed a payment so why am I still being punished? Currently, XXXX loan is at 11.125 % with a balance of {$9900.00} while another is at 4.25 % with a balance of {$8600.00}. They allocated my payments to pay off the loans with the lowest interest rate first. Resulting me to have higher interest fees over the life time of the loan. XXXX of my loans have been paid off and the rate range was 2.36 % - 6.80 %. My current loans with balances range from 4.25 % - 11.125 %. This is also after the slight deduction for having automatic payment set up.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
In report no. XXXX, Equifax deleted what was n't mine, XXXX filings by stating they entity has a different address, but the same case number, then relisted the deleted items with the same case number as under investigation. On XX/XX/2017, Equifax produced a report that stated the items wasnt deleted, they werent excluded or removed with the non-existent address baring the same case number, and once again relisted the XXXX filings as if they were under investigation but the false statement in the XX/XX/2017 is different then the statement of removal in the report XXXX, which said the following : & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX & gt ; & gt ; & gt ; We have reviewed the bankruptcy information. XXXX The results are : This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX, XXXX, SC XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
complaint toward EQUIFAX.    HAD ACCOUNT FOR OVER A YR. LAST UPDATE WAS XX/XX/2015.
 HAS WRONG PERSONAL INFORMATION (DOB).
REPORT HAS NOT BEEN UPDATED IN MONTHS PLUS WHAT I FOUND HAD ACCOUNT THAT WERE PAID BUT STILL REFLECTED ON REPORT.  HAS HURT MY ATTEMPTS TO FILE FOR LOANS/GRANTS.   VERY DISAPPOINTED...CLOSED ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I logged on annualcreditreport.com, I requested my credit reports from the XXXX agencies but, I was not able to receive Equifax report nor, was I given an option to request that it be mailed to me. I did receive my reports from XXXX and XXXX but the Equifax site was unresponsive. When I called Equifax, I was told that I had to purchase my credit report ; I have not requested or received a credit report from Equifax in over a year.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I made my mortgage payment as usual on XXXX/XXXX/2015, submitting a request from my bank 's bill payer service, as usual. I then got a statement XXXX that my payment was late, due on the XXXX of the month, late 10 days later. I researched the transaction at my bank and confirmed the payment was sent by ACH wire on time. According to XXXX ( the owner of my loan ) they are no longer doing business with the loan servicing company, LoanCare Services, and my payment should have been sent directly to XXXX. So I contacted LoanCare Services and asked them to research where my money went, if not to XXXX, and not returned to my bank. Their Customer Service people said it was returned to my bank on XX/XX/XXXX. I checked with my bank again, no funds received from LoanCare Services. I called LoanCare Services again. Same story, no details of the return transaction are available, no check number, no ACH transaction number, nothing. Very suspicious of LoanCare Services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
On XX/XX/2016, I submitted a loan modification application to Nationstar. After I submitted my application, I submitted every document Nationstar requested after that submission. This week, I learned that I was denied a modification. The letter denying me a modification only reviewed me for Nationstar 's own Standard Modification. But I should have been reviewed for a HAMP product. While I had a HAMP Tier 1 before, I should have been reviewed for a HAMP Tier 2. The denial makes no mention of my eligibility for HAMP Tier 2 and presumably Nationstar did not review me for a HAMP Tier 2.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
XXXX transferred or sold my account to nationstar which is ok, however a automatic payment was sent after and XXXX offers no way to opt out of their automated answering system to talk to anyone. My payment was cashed and not forwarded or returned. Should be illegal to not allow real conversations, very rude. Please respond asap

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
VERY SIMPLE. 

My bankruptcy is now TEN years old and should be removed from my credit report. 
I realize that it is due to come off in XX/XX/XXXX I believe, but I asking, in a SHOW of HUMANITY that Trans Union remove it now, just a few months early. I have worked very hard to re-build my credit after losing my XXXX, and I see no logical reason for Trans Union to insist on leaving this on my report, when clearly, TEN YEARS HAVE PASSED. 

Public Record Details Reference Number XXXX Date Filed XX/XX/2007 Date XX/XX/2007 Status Discharged Amount {$0.00} Classification Bankruptcy Responsibility Individual Asset Amount {$0.00} Contact Details TENNESSEE FEDERAL COURT- XXXX XXXX XXXX XXXX , TN XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
National Credit system is attempting to collect a debt that I never establised a contract with them XX/XX/2001 of a balance of XXXX and a balance of XXXX. They placed the negative item onto my XXXX credit report file which is a false witness to my name. They are violating the FCRA law and the status of limitation to collect a debt

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: CA

Complaint narrative:
I started a bank account checking account because I had no other options. I was on XXXX. I do n't remember signing up for overdraft protection and I git hit with multiple overdraft fees. I think they reversed XXXX XXXX I got hit with over XXXX fees in a row, I hen asked then to turn off overdraft but they continued to charge overdraft fees on subscriptions I had. They said I have to have the balance current. There is no branch in my state so I ca n't make deposits either to make my account right. I asked to close the account but they refused. Now I will be charged negative balance fees. Please see my statements. I do n't mind paying a couple fees but they just do n't stop. I cant get them to close the account I am trying to make a new start I just filed my BK case today and I am low income. This is not helping me. That 's why I chose Suntrust.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
Pinnacle Credit Service, collecting a debt in behalf of XXXX XXXX, has reported to XXXX credit bureau 's erroneous information specifically altering dates to convert a zombie debt into a valid debt, and continuously harassing me including hiring a Fake Law Firm and Lawyer XXXX XXXX of " XXXX '' and a XXXX collection agency " XXXX '' to collect this alleged debt. 
I have copies of all certified letters send to all this companies and individuals who have conspired to commit this fraudulent act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Caliber Home Loans, Inc.
State: NV

Complaint narrative:
1. I received from XXXX XXXX XXXX XXXX ( who is the servicer for XXXX the investor of the loan on my house ) " Trial Period Plan Notice '' for loan modification on my home ( Homestead ) See exhibit " A ''. I made the first two months payments on time to XXXX XXXX. 
2. On XXXX XXXX, XXXX and approval letter from XXXX for the loan modification with set terms sent to XXXX XXXX and copy was sent to me by XXXX XXXX ( see exhibit " B '' ). 
3. On XXXX XXXX, XXXX I received letter from XXXX XXXX stating that " XXXX '' the investor of my home loan has changed the servicer of my loan to " Caliber Home Loans '' and stated in paragraph XXXX other things : " Rest assured, this does not affect any terms or conditions of your mortgage '' ( See exhibit " C '' ), and advised me to continue making the payments to " Caliber Home Loans '', I made my third month of the trial period on time to " Caliber Home Loans '' and expected Caliber Home Loans to complete the loan modification on my house. 
4. Caliber Home Loans changed the terms of the loan modification which was approved by " XXXX '' to Unfavorable Terms. See exhibit " D ''. 
5. The Home Owner rejected Caliber Hom Loans the new terms because of the deviation from the approved and committed terms of XXXX and was assured by XXXX XXXX there will be no change to the terms or condition of my approved loan modification. See exhibit " E '' and urged Caliber Home to stick to the approved terms. 
6. Home owner received letter from Caliber Home Loans dated XXXX XXXX, XXXX that the loan is deliquent of {$59000.00}. See exhibit " F ''. HOME OWNER WOULD LIKE TO CONFIRMS THAT THE SAME MONTHLY PAYMENT CONTINUED TO BE MADE CURENT AS OF TODAY 'S DATE. 
7. The Home Owner filed FRAUD MORTGAGE complaint to the State of Nevada Office of the Attorney General on XXXX XXXX, XXXX. See exhibit " G '' 7. Home Owner forwarded to Caliber Home Loans copy of the filed complaint with Attorney General and urged Caliber Home Loans to honor the committed and approved loan modification terms.See exhibit " H ''. 
8. Home Owner received mail from Caliber Home Loans dated XXXX XXXX, XXXX denying the loan modification. See exhibit " I ''

Company response to consumer: Closed with non-monetary relief