{"took":265,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":7824,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"6217632","_score":12.295691,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"Huntington Bank offers a small personal loan program called standby cash. They have revised the criteria to discriminate against low income customers. \nThe original criteria was {$750.00} deposit each month. I met that criteria. \nIn XX/XX/2022, the revised criteria was each account had to have {$200.00} daily balance. As a low income person, I could not meet that criteria. \nIn XX/XX/2022, my account was suspended due to this revised criteria. It was reactivated in XXXX. \nIn XX/XX/2022, the revised criteria was {$1000.00} deposit over 32 days. In addition the new criteria effectively discriminates against anyone who receives government checks requiring a $ XXXX monthly deposit. \nI was informed today that my account was suspended. I have made over {$1700.00} in deposits over the last 45 days. The way the bank has configured the criteria Im not eligible for the program. I called and made a complaint through XXXX customer service. \nThe policy and criteria changes are a blatant violation of equal credit for customers and non discrimination again income origin as legislated under consumer and credit legislation.","date_sent_to_company":"2022-11-17T16:10:36.000Z","issue":"Problem with cash advance","sub_product":"Personal line of credit","zip_code":"449XX","tags":"Older American","has_narrative":true,"complaint_id":"6217632","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2022-11-17T15:30:58.000Z","state":"OH","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["They have revised the <em>criteria</em> to discriminate against low income customers. \nThe original <em>criteria</em> was {$750.00} deposit each month. I met that <em>criteria</em>. \nIn XX/XX/2022, the revised <em>criteria</em> was each account had to have {$200.00} daily balance. As a low income person, I could not meet that <em>criteria</em>. \nIn XX/XX/2022, my account was suspended due to this revised <em>criteria</em>. It was reactivated in XXXX. \nIn XX/XX/2022, the revised <em>criteria</em> was {$1000.00} deposit over 32 days."]},"sort":[12.295691,"6217632"]},{"_index":"complaint-public-v1","_id":"1825277","_score":11.345669,"_source":{"product":"Credit card","complaint_what_happened":"Capital One offers a unique program to their customers through their website where a customer can combine XXXX credit cards. The minimum criteria are listed on the web site, with no other terms or conditions about the program available. XXXX of my Capital One credit cards meet this listed criteria. The website tells me I 'm still not eligible. I called capital one and spoke to a supervisor. I was informed that it was a back end decision, and although my cards meet the criteria listed on the website, their system has said I am not eligible. When I asked why, they informed me that even they did not know, and there was no way to find out. \n\nSo on the one hand, I have met all of the criteria made publicly available to consumers. On the other hand, Capital One is saying I have not met the right criteria, and can not tell me why. \n\nI fully understand if there is criteria I have not met, but to simply be told \" You 're not eligible, and we ca n't tell you why '' does n't work for me, and seems more like false advertisement than anything else. If I were to be told exactly why I was not eligible, then that at least gives me something to go off of other than \" Better luck next time ''.","date_sent_to_company":"2016-03-10T02:14:40.000Z","issue":"Other","sub_product":null,"zip_code":"08857","tags":null,"has_narrative":true,"complaint_id":"1825277","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2016-03-10T02:14:40.000Z","state":"NJ","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["The minimum <em>criteria</em> are listed on the web site, with no other terms or conditions about the program available. XXXX of my Capital One credit cards meet this listed <em>criteria</em>. The website tells me I 'm still not eligible. I called capital one and spoke to a supervisor. I was informed that it was a back end decision, and although my cards meet the <em>criteria</em> listed on the website, their system has said I am not eligible."]},"sort":[11.345669,"1825277"]},{"_index":"complaint-public-v1","_id":"2731815","_score":11.310248,"_source":{"product":"Checking or savings account","complaint_what_happened":"I signed up for US bank silver checking account using a promo which would give me {$200.00} once I meet the criteria. The criteria was to make 2 bill payments of {$25.00} or more and my account will be credited with {$200.00} in 60 days. \nI met the criteria on XXXX XXXX XXXX. Its been 68 days and I have n't received the {$200.00}.","date_sent_to_company":"2017-11-17T07:11:30.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"53202","tags":null,"has_narrative":true,"complaint_id":"2731815","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2017-11-17T06:52:23.000Z","state":"WI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["I signed up for US bank silver checking account using a promo which would give me {$200.00} once I meet the <em>criteria</em>. The <em>criteria</em> was to make 2 bill payments of {$25.00} or more and my account will be credited with {$200.00} in 60 days. \nI met the <em>criteria</em> on XXXX XXXX XXXX. Its been 68 days and I have n't received the {$200.00}."]},"sort":[11.310248,"2731815"]},{"_index":"complaint-public-v1","_id":"14564738","_score":11.278535,"_source":{"product":"Student loan","complaint_what_happened":"Reached out to Department of Education to tell them Ive met all criteria for loan forgiveness. They have but to process application even though I meet all criteria.","date_sent_to_company":"2025-07-10T02:49:05.000Z","issue":"Struggling to repay your loan","sub_product":"Federal student loan servicing","zip_code":"45066","tags":"Servicemember","has_narrative":true,"complaint_id":"14564738","timely":"No","company_response":"Untimely response","submitted_via":"Web","company":"MOHELA","date_received":"2025-07-10T02:30:24.000Z","state":"OH","company_public_response":null,"sub_issue":"Problem with forgiveness, cancellation, or discharge"},"highlight":{"complaint_what_happened":["Reached out to Department of Education to tell them Ive met all <em>criteria</em> for loan forgiveness. They have but to process application even though I meet all <em>criteria</em>."]},"sort":[11.278535,"14564738"]},{"_index":"complaint-public-v1","_id":"1883500","_score":11.275957,"_source":{"product":"Mortgage","complaint_what_happened":"Ocwen Loan Servicing has placed Mortgage-placed Insurance on my property, claiming that I do not have the proper coverage. I have Insurance on the property and for months, my insurance agent and I have been going back and forth with Ocwen trying to establish the criteria to which they will be satisfied. \nOcwen claims that as a condominium, my condominium association needs a blanket policy for the building and a policy for the interior walls of my unit. I have had this coverage for the past ten years. \nI have repeatedly asked them to give me the criteria they are looking for, in writing, that I may take it to the Insurance Company and resolve the matter. I should have a copy for myself in any case in the event that I change insurance companies and need to know the criteria. Ocwen has refused to give me the criteria, stating that the Insurance agent must obtain the criteria. When the insurance agent attempted to obtain the criteria, they get a different answer with each individual to whom they speak. \nFurther, they have told me that the placed insurance was due to me not contacting them in response to their letters about the matter. When I contact them, they have all the records of speaking with my insurance agent. The agent was acting on my behalf as they instructed and they penalized me for not contacting them. This is an impossible situation. \nOcwen has made it impossible to capitulate to their criteria, as they will not put their criteria in writing. They are now calling me daily demanding that I make payments on the mortgage-placed insurance. I have insurance. I have been carrying insurance on the property for ten years and I have insurance still. I am requesting help in requiring Ocwen to offer in writing any criteria to which they have to ability to make a purchase on my behalf, and then pass the charges on to me. I further expect them to remove the mortgage-placed insurance from my loan and reverse any negative credit reporting I may incur from them as a result of their negligence to be forthcoming with the criteria to which they hold my loan hostage. \nThank you. \n\nMy name is XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Loan # XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX Fax : ( XXXX ) XXXX Insurance Dept # ( XXXX ) XXXX Ocwen Loan Servicing , LLC XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Ocwen Loan Servicing , LLC XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX","date_sent_to_company":"2016-04-17T23:06:17.000Z","issue":"Loan servicing, payments, escrow account","sub_product":"Conventional fixed mortgage","zip_code":"199XX","tags":null,"has_narrative":true,"complaint_id":"1883500","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ocwen Financial Corporation","date_received":"2016-04-17T23:06:17.000Z","state":"DE","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["I have repeatedly asked them to give me the <em>criteria</em> they are looking for, in writing, that I may take it to the Insurance Company and resolve the matter. I should have a copy for myself in any case in the event that I change insurance companies and need to know the <em>criteria</em>. Ocwen has refused to give me the <em>criteria</em>, stating that the Insurance agent must obtain the <em>criteria</em>."]},"sort":[11.275957,"1883500"]},{"_index":"complaint-public-v1","_id":"4097262","_score":11.246752,"_source":{"product":"Checking or savings account","complaint_what_happened":"I had opened a promotional account introduction offer from Citi Bank which required a deposit of {$15000.00} for 60 days into a new account when you opened a checking and savings account, in which you would receive a {$400.00} bonus. I did this in XX/XX/2020, and in early XX/XX/2020 I had reached the eligibility criteria. In XXXX I had contacted about when I would receive the bonus, and they said it would come by XXXX, and that I had met the eligibility criteria. Due to inactivity in my checking account, they had closed my checking account at the XXXX  of XXXX, though I left my initial deposit in my savings account until I received the promotion bonus. Over the course of the next few months I had contacted the bank due to no funds being provided, and they mentioned that I should be receiving it soon. In XXXX I had opened a case because I had still not received the money ( within 90 days ), and they told me there was no promotion offer. After I had called and told them that there was, they had confirmed that there was a promotion, and that I had met the eligibility criteria, even though one of my accounts were closed, and this was confirmed by multiple people. \n\nI have now received a letter that I am not eligible for the offer because my checking account was closed, even though I had deposited my funds in the savings account and had met the bonus criteria initially. They said I had to have both accounts open by the time the funds were 'deposited ', but that was not the initial offer, which was that you needed to have the money in the account for 60 days and then you would be able to get the bonus. There was no mention of any additional criteria of keeping both accounts open ( which I did not close the account myself, but Citi Bank closed it ). \n\nI had met the original bonus criteria, and I believe that I am still owned the bonus from Citi Bank because I met the original criteria that was in the promotion material when I applied. When I received the response letter they didn't even reference any material stating that I had to have the account open AFTER I had already met the criteria. Other bonuses that I have received in the past have been deposited fairly quickly after meeting the criteria, so that's what I was expecting with this bank, but apparently not, and their inaction apparently switched my bonus eligibility from yes to no.","date_sent_to_company":"2021-01-27T17:55:37.000Z","issue":"Opening an account","sub_product":"Savings account","zip_code":"75075","tags":null,"has_narrative":true,"complaint_id":"4097262","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2021-01-27T17:26:38.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["There was no mention of any additional <em>criteria</em> of keeping both accounts open ( which I did not close the account myself, but Citi Bank closed it ). \n\nI had met the original bonus <em>criteria</em>, and I believe that I am still owned the bonus from Citi Bank because I met the original <em>criteria</em> that was in the promotion material when I applied. When I received the response letter they didn't even reference any material stating that I had to have the account open AFTER I had already met the <em>criteria</em>."]},"sort":[11.246752,"4097262"]},{"_index":"complaint-public-v1","_id":"12806739","_score":11.125253,"_source":{"product":"Vehicle loan or lease","complaint_what_happened":"Applied for several deferments and initially was told that after six months of payments that we could apply for a deferment, then when the time came, they stated that we did not qualify, that we had to make two additional payments. Now that we are applying again, they are again stating that we do not qualify. Also, when you call with your credentials you still can't reach anyone as well as when you do a live chat the customer support will tell you they can't help you, that they will need to transfer you a different department and then you will be forced logged out of your account and forced to start all over. This have happened the last three times I have tried to go through the chat portal due to not being able to get through the phone line after several attempts with the last XXXX digits of my social. They make it almost impossible to reach anyone or get any hardship assistance. They also will tell you that you don't meet the criteria but fail each time to provide a hard copy of the criteria. This is discrimination and should be investigated. The give a different set of criteria each time you call and when you ask for a hard copy or a copy of the criteria, they will not provide any and give you criteria","date_sent_to_company":"2025-04-03T19:17:57.000Z","issue":"Struggling to pay your loan","sub_product":"Loan","zip_code":"77099","tags":null,"has_narrative":true,"complaint_id":"12806739","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"SANTANDER HOLDINGS USA, INC.","date_received":"2025-04-03T18:48:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Denied request to lower payments"},"highlight":{"complaint_what_happened":["They also will tell you that you don't meet the <em>criteria</em> but fail each time to provide a hard copy of the <em>criteria</em>. This is discrimination and should be investigated. The give a different set of <em>criteria</em> each time you call and when you ask for a hard copy or a copy of the <em>criteria</em>, they will not provide any and give you <em>criteria</em>"]},"sort":[11.125253,"12806739"]},{"_index":"complaint-public-v1","_id":"1684001","_score":11.122137,"_source":{"product":"Mortgage","complaint_what_happened":"I wish to file a complaint against Quicken Mortgage loans. I feel that there initial Mortage qualification process is unfair and inadequate when it comes to eliminating the need to unnecessarily adding a a hard inquiry to my credit report which in turn reduce my credit score by a few points. A few points in my case is a tremendous detriment that pushed me from one demographic to another financially. There are certain criteria that Quicken use that will disqualify an individual from being able to acquire a loan from quicken. In my case the criteria was that of child support arrears payment that were current. I feel that Quicken has been in this industry for a long time and they know what criteria will disqualify an individual. This criteria can be ascertained early on in the qualification stage so as to eliminate a derogatory credit pull on a consumers credit, as is the case with me. Their current process of pulling credit as a first resort is unfair and unnecessary.","date_sent_to_company":"2015-12-04T22:00:08.000Z","issue":"Application, originator, mortgage broker","sub_product":"FHA mortgage","zip_code":"779XX","tags":null,"has_narrative":true,"complaint_id":"1684001","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Rocket Mortgage, LLC","date_received":"2015-12-04T22:00:07.000Z","state":"TX","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["There are certain <em>criteria</em> that Quicken use that will disqualify an individual from being able to acquire a loan from quicken. In my case the <em>criteria</em> was that of child support arrears payment that were current. I feel that Quicken has been in this industry for a long time and they know what <em>criteria</em> will disqualify an individual. This <em>criteria</em> can be ascertained early on in the qualification stage so as to eliminate a derogatory credit pull on a consumers credit, as is the case with me."]},"sort":[11.122137,"1684001"]},{"_index":"complaint-public-v1","_id":"6618141","_score":11.096436,"_source":{"product":"Student loan","complaint_what_happened":"The loan was in a Class Action lawsuit and should have been canceled. I am a Co-Signer for my Daughter and I am being harassed to pay a loan that qualified to be canceled under Navients Lawsuit Criteria for my Daughter in which I was in Bankruptcy at the time of the loan given their Criteria and Navient refuses to cancel the loan as they did for other students who could not pay. \nNavient canceled loans for students who could not pay and they are trying to get the money from me in which I met the criteria being in Bankruptcy for the Loan to be canceled in XXXX","date_sent_to_company":"2023-02-26T12:37:13.000Z","issue":"Struggling to repay your loan","sub_product":"Private student loan","zip_code":"48197","tags":null,"has_narrative":true,"complaint_id":"6618141","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2023-02-26T12:11:03.000Z","state":"MI","company_public_response":null,"sub_issue":"Can't get other flexible options for repaying your loan"},"highlight":{"complaint_what_happened":["I am a Co-Signer for my Daughter and I am being harassed to pay a loan that qualified to be canceled under Navients Lawsuit <em>Criteria</em> for my Daughter in which I was in Bankruptcy at the time of the loan given their <em>Criteria</em> and Navient refuses to cancel the loan as they did for other students who could not pay. \nNavient canceled loans for students who could not pay and they are trying to get the money from me in which I met the <em>criteria</em> being in Bankruptcy for the Loan to be canceled in XXXX"]},"sort":[11.096436,"6618141"]},{"_index":"complaint-public-v1","_id":"2028046","_score":11.071195,"_source":{"product":"Bank account or service","complaint_what_happened":"I opened a checking account with Citibank and was promised a signup offer of XXXX XXXX XXXX Miles to be posted after meeting certain criteria. I have met these criteria and received a letter stating that I qualified for the bonus AND met the criteria. Only recently that I had inquired about the missing miles, that I was told that I had not qualified for this offer even though I have a written letter from Citibank that I qualify for the bonus as well as confirmation of meeting the requirements. It is wrong that Citibank decided to change their minds after I opened the account and met the requirements.","date_sent_to_company":"2016-07-25T19:20:30.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"75019","tags":null,"has_narrative":true,"complaint_id":"2028046","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-07-25T19:20:29.000Z","state":"TX","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I opened a checking account with Citibank and was promised a signup offer of XXXX XXXX XXXX Miles to be posted after meeting certain <em>criteria</em>. I have met these <em>criteria</em> and received a letter stating that I qualified for the bonus AND met the <em>criteria</em>. Only recently that I had inquired about the missing miles, that I was told that I had not qualified for this offer even though I have a written letter from Citibank that I qualify for the bonus as well as confirmation of meeting the requirements."]},"sort":[11.071195,"2028046"]},{"_index":"complaint-public-v1","_id":"3960581","_score":11.01973,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"TransUnion dismissed my evidence because of their criteria. I disagree that an email from XXXX XXXX stating that \" my autopay was in place at the time the payment '' was due is insufficient. My evidence shows that XXXX is at fault. XXXX XXXX can easily say that the \" disputed information was correct '' and not take responsibility, so TransUnion should factor in the correspondence I provided. If it does not meet TransUnion 's criteria, should adjust there criteria as it is valid. \n\nI have contacted XXXX XXXX several times about the problem, but they have not responded. I have initiated a complaint with the XXXX.","date_sent_to_company":"2020-11-18T09:17:31.000Z","issue":"Problem with a credit reporting company's investigation into an existing problem","sub_product":"Credit reporting","zip_code":"02148","tags":null,"has_narrative":true,"complaint_id":"3960581","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2020-11-18T04:02:27.000Z","state":"MA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Their investigation did not fix an error on your report"},"highlight":{"complaint_what_happened":["TransUnion dismissed my evidence because of their <em>criteria</em>. I disagree that an email from XXXX XXXX stating that \" my autopay was in place at the time the payment '' was due is insufficient. My evidence shows that XXXX is at fault. XXXX XXXX can easily say that the \" disputed information was correct '' and not take responsibility, so TransUnion should factor in the correspondence I provided. If it does not meet TransUnion 's <em>criteria</em>, should adjust there <em>criteria</em> as it is valid."]},"sort":[11.01973,"3960581"]},{"_index":"complaint-public-v1","_id":"7285982","_score":10.978256,"_source":{"product":"Checking or savings account","complaint_what_happened":"My account was closed do to suspected fraudulent activity, when opening the account there was a {$400.00} incentive if I met certain criteria. I met all the criteria before the account was closed and the bank would not honor the promotion.","date_sent_to_company":"2023-07-21T20:03:55.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"28213","tags":null,"has_narrative":true,"complaint_id":"7285982","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2023-07-21T19:51:45.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["My account was closed do to suspected fraudulent activity, when opening the account there was a {$400.00} incentive if I met certain <em>criteria</em>. I met all the <em>criteria</em> before the account was closed and the bank would not honor the promotion."]},"sort":[10.978256,"7285982"]},{"_index":"complaint-public-v1","_id":"1413536","_score":10.925282,"_source":{"product":"Mortgage","complaint_what_happened":"was being reviewed for modification options. Green tree sent letter stating that client did not meet XXXX or more of the basic eligibility criteria XXXX which letter is attached ). Green tree failed to provided detail of what criteria client did not meet.","date_sent_to_company":"2015-06-09T16:50:40.000Z","issue":"Application, originator, mortgage broker","sub_product":"Conventional fixed mortgage","zip_code":"74012","tags":null,"has_narrative":true,"complaint_id":"1413536","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Ditech Financial LLC","date_received":"2015-06-09T16:50:39.000Z","state":"OK","company_public_response":null,"sub_issue":null},"highlight":{"complaint_what_happened":["Green tree sent letter stating that client did not meet XXXX or more of the basic eligibility <em>criteria</em> XXXX which letter is attached ). Green tree failed to provided detail of what <em>criteria</em> client did not meet."]},"sort":[10.925282,"1413536"]},{"_index":"complaint-public-v1","_id":"8435945","_score":10.922102,"_source":{"product":"Mortgage","complaint_what_happened":"Newrez, mortgage servicer, has changed the LTV criteria for removing PMI from my loan several times. I requested the criteria for removing PMI from my loan in XX/XX/XXXX. Newrez stated for mortgages where the owner has made significant improvements, the LTV criteria for removing PMI would be 80 % or less. I sent correspondence to Newrez substantiating my more than {$210000.00} worth of improvements and the fee for the XXXX. XXXX came back in XXXX that resulted in my LTV being 76.5 %. However, Newrez stated my LTV for a Fannie Mae loan had to be 70 %. I appealed the decision because this was not in line with the HPA, XXXX XXXX servicing guidelines, or the criteria they gave me in XXXX. I called customer service on XX/XX/XXXX for a status update and the customer services representative stated I was denied because in order to remove the PMI the LTV had to be 75 %.","date_sent_to_company":"2024-02-28T15:12:44.000Z","issue":"Trouble during payment process","sub_product":"Conventional home mortgage","zip_code":"20774","tags":null,"has_narrative":true,"complaint_id":"8435945","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2024-02-28T14:44:33.000Z","state":"MD","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Private mortgage insurance (PMI)"},"highlight":{"complaint_what_happened":["Newrez, mortgage servicer, has changed the LTV <em>criteria</em> for removing PMI from my loan several times. I requested the <em>criteria</em> for removing PMI from my loan in XX/XX/XXXX. Newrez stated for mortgages where the owner has made significant improvements, the LTV <em>criteria</em> for removing PMI would be 80 % or less. I sent correspondence to Newrez substantiating my more than {$210000.00} worth of improvements and the fee for the XXXX. XXXX came back in XXXX that resulted in my LTV being 76.5 %."]},"sort":[10.922102,"8435945"]},{"_index":"complaint-public-v1","_id":"19109250","_score":10.820524,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have opened a new checking account with Citibank on XX/XX/XXXX with promotion code to earn {$420.00}. This account was opened at XXXX XXXX branch in California. The banker assisted me to open this account. \nI had mentioned the banker that I was a Citibank customer before as well. The banker checked eligibility criteria for this promotion and opened the account. \n\nCitibank now says I am not eligible since new account should be opened after XXXX  days of closing previous account. I had closed my previous account in XX/XX/XXXX. \n\nThe banker did not even check this particular qualification criteria and has negligently opened the checking account. Citibank is not honoring the promotion because of this. \n\nThe banker should be aware of this qualification criteria. There is no way a customer going to a branch to open account know what are the qualification criteria beforehand unless the banker tells them. The fine print is in the document which is given to customer AFTER ( Not Before ) opening the account. What is the point of getting to know this AFTER the account has been opened?","date_sent_to_company":"2026-01-29T19:07:29.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"92868","tags":null,"has_narrative":true,"complaint_id":"19109250","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2026-01-29T18:38:56.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["The banker checked eligibility <em>criteria</em> for this promotion and opened the account. \n\nCitibank now says I am not eligible since new account should be opened after XXXX  days of closing previous account. I had closed my previous account in XX/XX/XXXX. \n\nThe banker did not even check this particular qualification <em>criteria</em> and has negligently opened the checking account. Citibank is not honoring the promotion because of this. \n\nThe banker should be aware of this qualification <em>criteria</em>."]},"sort":[10.820524,"19109250"]},{"_index":"complaint-public-v1","_id":"6427293","_score":10.819038,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"Applied for credit card, made a requirement to update phone number with credit bureau. Complied updated phone number. Called back and verified I met criteria. Still was denied based on same reason. Company wants to re run credit even though I met criteria within time given.","date_sent_to_company":"2023-01-11T20:01:19.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"480XX","tags":null,"has_narrative":true,"complaint_id":"6427293","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2023-01-11T19:53:22.000Z","state":"MI","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Called back and verified I met <em>criteria</em>. Still was denied based on same reason. Company wants to re run credit even though I met <em>criteria</em> within time given."]},"sort":[10.819038,"6427293"]},{"_index":"complaint-public-v1","_id":"2049725","_score":10.799649,"_source":{"product":"Bank account or service","complaint_what_happened":"I signed up for a Citibank Gold account with a promotion code for XXXX AAdvantage miles upon meeting certain criteria. I met the criteria and was denied my miles because I was not targeted. I should have been told the promotion code was not valid for me, instead of being lead on for months.","date_sent_to_company":"2016-08-06T23:00:38.000Z","issue":"Account opening, closing, or management","sub_product":"Checking account","zip_code":"28269","tags":null,"has_narrative":true,"complaint_id":"2049725","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"CITIBANK, N.A.","date_received":"2016-08-06T23:00:37.000Z","state":"NC","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I signed up for a Citibank Gold account with a promotion code for XXXX AAdvantage miles upon meeting certain <em>criteria</em>. I met the <em>criteria</em> and was denied my miles because I was not targeted. I should have been told the promotion code was not valid for me, instead of being lead on for months."]},"sort":[10.799649,"2049725"]},{"_index":"complaint-public-v1","_id":"4908749","_score":10.760529,"_source":{"product":"Checking or savings account","complaint_what_happened":"To Whom it may concern : This letter is concerning my Morgan Stanley XXXX  XXXXXXXX XXXX XXXX XXXX and the American Express AmEx XXXX  XXXX  card engagement bonus - which is a reimbursement for the AmEx XXXX  XXXX  card membership fee. \n\nOn XX/XX/XXXX I funded my XXXX XXXXXXXX XXXX account with a {$5000.00} deposit to meet the the Access Investing qualification criteria for receiving the AmEx XXXX  engagement bonus. \n\nShortly after on XX/XX/XXXX I funded my XXXX XXXX  XXXX  account with a {$25000.00} deposit to meet the XXXX XXXX  XXXX  qualification criteria for receiving the AmEx XXXX  engagement bonus of {$550.00}. \n\nOn XX/XX/XXXX I applied for and was approved for the XXXX  AmEx XXXX card account. On XX/XX/XXXX I was charged a {$690.00} Membership Fee by American Express for the XXXX XXXX  American Express card. \n\nAccording to the following clause in the disclosure statement, I should have received the reimbursement for the {$690.00} XXXX  AmEx XXXX  card fee in XXXX, XXXX. \n\" If you meet the Fee Avoidance Criteria prior to the expiration of the Grace Period, you will receive the Annual Engagement Bonus the following month. '' As per the XXXX  ACCOUNT DISCLOSURE STATEMENT ( XX/XX/XXXX ) XXXX, I met all of the qualification criteria for the AmEx XXXX XXXX  card engagement bonus on XX/XX/XXXX so I proceeded to open a XXXX AmEx XXXX  card on XX/XX/XXXX. On the date of my application and credit pull, the XXXX XXXX website, terms & conditions, and disclosure statements clearly indicated I would be receiving the engagement bonus the following month. However, I never received the reimbursement from XXXX XXXX for the {$690.00} XXXX American Express XXXX  card membership fee. \n\nI have directly contacted Morgan Stanley several times by phone to discuss and escalate this matter to get to a resolution. In XXXX, I was assured that I would be receiving the engagement bonus and that I met all qualification criteria. I continued to follow-up with Morgan Stanley in XXXX and XXXX regarding the engagement bonus, however, representatives indicated that they could not help me with obtaining the credit due to a change in the terms and conditions for the engagement bonus. \n\nThe Morgan Stanley representative informed me that Morgan Stanley updated the XXXX  account agreement and disclosure effective XX/XX/XXXX, which changed the reimbursement for the XXXX American Express XXXX  engagement bonus/reimbursement to an annual bonus after 12 months. The effective date of this disclosure appears to be retroactive and I was not informed or notified of the change in terms and conditions until XXXX of XXXX. It appears deceptive that Morgan Stanley would retroactively implement and change the terms & conditions and disclosures retroactively without proper notice. \n\nI was not notified of this change in terms & conditions and disclosure until XXXX of XXXX. This notification was well after I met all of the qualification criteria for XXXX XXXX XXXX  ( met criteria XX/XX/XXXX ), XXXX  XXXX  ( met criteria XX/XX/XXXX ) and XXXX American Express ( met criteria XX/XX/XXXX by opening account an account ). \n\nAll qualification criteria were met under the original terms and conditions well before the effective date of the new disclosure dated XX/XX/XXXX. I was not notified of these changes until well after I met all of the qualification criteria. These business practices are unethical, deceptive, unfair and can be considered to be a bait and switch by Morgan Stanley.\n\nI have escalated my concerns to several Morgan Stanley members via phone, but I have yet to receive the reimbursement for the {$690.00} XXXX American Express XXXX  card membership fee which I qualified for under the terms and conditions I signed up for. I was informed that management is denying all requests for consumers like myself who had met all of the qualification criteria and who had their credit history ( hard credit inquiry ) pulled by American Express to open the XXXX American Express XXXX card.\n\nI am requesting reimbursement in full of the {$690.00} American Express XXXX  card membership fee.","date_sent_to_company":"2021-12-21T16:29:21.000Z","issue":"Opening an account","sub_product":"Other banking product or service","zip_code":"186XX","tags":null,"has_narrative":true,"complaint_id":"4908749","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2021-11-13T13:41:41.000Z","state":"PA","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["This notification was well after I met all of the qualification <em>criteria</em> for XXXX XXXX XXXX  ( met <em>criteria</em> XX/XX/XXXX ), XXXX  XXXX  ( met <em>criteria</em> XX/XX/XXXX ) and XXXX American Express ( met <em>criteria</em> XX/XX/XXXX by opening account an account ). \n\nAll qualification <em>criteria</em> were met under the original terms and conditions well before the effective date of the new disclosure dated XX/XX/XXXX. I was not notified of these changes until well after I met all of the qualification <em>criteria</em>."]},"sort":[10.760529,"4908749"]},{"_index":"complaint-public-v1","_id":"5213942","_score":10.747803,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"New Amex XXXX XXXX card is opened in the month of XXXX. There is a promo to spend XXXX $ in the first 90 days or so. After some purchases, I am issued XXXX points and when I had a conversation at some point, I am told points were issues as I met the criteria of purchases. There is some cancellation within a couple of purchases because of the covid situation. After 4 months, Amex came back and reverted the reward points for the reason that I didn't meet criteria for spending in the first three months. When I didn't meet the criteria as I return the purchase, I shouldn't be awarded points in the first place. After 4 months coming and reverting back points, it is the right practice. It is totally deceiving customers.","date_sent_to_company":"2022-02-12T07:17:43.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"03062","tags":null,"has_narrative":true,"complaint_id":"5213942","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-02-12T01:31:59.000Z","state":"NH","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["After some purchases, I am issued XXXX points and when I had a conversation at some point, I am told points were issues as I met the <em>criteria</em> of purchases. There is some cancellation within a couple of purchases because of the covid situation. After 4 months, Amex came back and reverted the reward points for the reason that I didn't meet <em>criteria</em> for spending in the first three months. When I didn't meet the <em>criteria</em> as I return the purchase, I shouldn't be awarded points in the first place."]},"sort":[10.747803,"5213942"]},{"_index":"complaint-public-v1","_id":"7425705","_score":10.733771,"_source":{"product":"Payday loan, title loan, or personal loan","complaint_what_happened":"One Main Financial denied my credit application for a personal loan based on Teo precursors : ( 1 ) Number of Established Accounts : There are \" 22 '' established accounts listed on thr credit reported dated as far 10 plus years old. These accounts meet th4 established account criteria, yet I am being racially discriminated against in lending.\n\n( 2 ) Number of Inquiries : There are only 3 inquiries listed within the past 6 months of which should not be held against an individual being continously denied credit. It is recommended a creditor limit inquires between 6-8 applications per year. This criteria was not truthful or valid, and intentionally racially discriminated against by changing standards and criteria.","date_sent_to_company":"2023-08-20T03:18:21.000Z","issue":"Incorrect information on your report","sub_product":"Installment loan","zip_code":"45424","tags":null,"has_narrative":true,"complaint_id":"7425705","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"OneMain Finance Corporation","date_received":"2023-08-20T02:57:50.000Z","state":"OH","company_public_response":null,"sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["These accounts meet th4 established account <em>criteria</em>, yet I am being racially discriminated against in lending.\n\n( 2 ) Number of Inquiries : There are only 3 inquiries listed within the past 6 months of which should not be held against an individual being continously denied credit. It is recommended a creditor limit inquires between 6-8 applications per year. This <em>criteria</em> was not truthful or valid, and intentionally racially discriminated against by changing standards and <em>criteria</em>."]},"sort":[10.733771,"7425705"]},{"_index":"complaint-public-v1","_id":"13699467","_score":10.733058,"_source":{"product":"Credit card","complaint_what_happened":"On XX/XX/year>. I applied for a secured credit card with Truist Bank, which only requires a {$400.00} deposit. I have deposited over {$6500.00} in the past year and maintain a good-standing relationship with them. Truist denied my application based on criteria used for unsecured credit, such as credit score and too few high-limit unjust, is unjustified for a secured product and violates ECOA ( 15 U.S.C. 1691 ) and FCRA ( 15 U.S.C. 1681m ) by using non-transparent and irrelevant criteria. The denial of my application based on credit criteria that are inconsistent with the secured credit card product is misleading, unjust, and harmful. I request CFPB to investigate and require Truist to fairly review applications for secured credit without unnecessary denial practices. Their justification includes irrelevant criteria for a secured product, and appears to misrepresent consumer rights under TILA, FCRA, and ECOA. This denial affects my credit access, financial reputation, and well-being. Truist Banks practices in evaluating secured credit cards, especially where no risk to the lender exists. This conduct may be misleading and obstructive to fair financial access.","date_sent_to_company":"2025-05-24T16:33:28.000Z","issue":"Getting a credit card","sub_product":"General-purpose credit card or charge card","zip_code":"310XX","tags":null,"has_narrative":true,"complaint_id":"13699467","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TRUIST FINANCIAL CORPORATION","date_received":"2025-05-24T16:02:27.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Application denied"},"highlight":{"complaint_what_happened":["Truist denied my application based on <em>criteria</em> used for unsecured credit, such as credit score and too few high-limit unjust, is unjustified for a secured product and violates ECOA ( 15 U.S.C. 1691 ) and FCRA ( 15 U.S.C. 1681m ) by using non-transparent and irrelevant <em>criteria</em>. The denial of my application based on credit <em>criteria</em> that are inconsistent with the secured credit card product is misleading, unjust, and harmful."]},"sort":[10.733058,"13699467"]},{"_index":"complaint-public-v1","_id":"3418841","_score":10.715244,"_source":{"product":"Checking or savings account","complaint_what_happened":"We opened a Wells Fargo Checking Account on XXXX XX/XX/2019. WF Bank had an offer of {$400.00} Bonus credit to the account if direct deposits totaling at least {$3000.00} were deposited into the account in three consecutive months, within 150 days of account opening. The offer said the bonus would be credited within 45 days of meeting the criteria. Account had to be open with at least {$1.00} balance on the crediting day. \n\nWe have met all the requirements. In the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, our pensions totaling in excess of {$3000.00} was credited to the account, the last credit being on XXXX XX/XX/2019, This meets the criteria of three consecutive months of direct deposits of XXXX each within 150 days of account opening. So the criteria were met on XXXX XX/XX/2019 and the bank should have credited the bonus within 45 days which was XXXX XX/XX/2019. So far the money ( {$400.00} ) has not been credited. \n\nWe have communicated with the bank via their online message portal. They contend that irrespective of when the third consecutive direct deposit is credited, they will count 150 days from account opening as the date the criteria are met, and then will take another 45 days to credit the bonus amount to the account. Their specific response was, \" However, the account has not yet met the 150 day opening date timeframe, which is XX/XX/2019. The bonus will be deposited into your new checking account within 45 days of meeting the offer requirement. '' We have responded that the 150 days is the limit within which the 3 direct deposits have to be made, but otherwise has no bearing on when the offer criteria are met. The bank maintains that the bonus is not due until 45 days from 150 days irrespective of when we meet the \" 3 consecutive direct deposits of {$3000.00} each '' criteria.","date_sent_to_company":"2019-10-27T06:02:10.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"95132","tags":null,"has_narrative":true,"complaint_id":"3418841","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-10-27T01:30:18.000Z","state":"CA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["The bonus will be deposited into your new checking account within 45 days of meeting the offer requirement. '' We have responded that the 150 days is the limit within which the 3 direct deposits have to be made, but otherwise has no bearing on when the offer <em>criteria</em> are met. The bank maintains that the bonus is not due until 45 days from 150 days irrespective of when we meet the \" 3 consecutive direct deposits of {$3000.00} each '' <em>criteria</em>."]},"sort":[10.715244,"3418841"]},{"_index":"complaint-public-v1","_id":"5675672","_score":10.707761,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"American Express offers a \" pay over time '' option to their business credit card customers. This offer appears in several locations on my account page & billing area. The link describes the service and states that you must call the number on the back of the credit card to enroll. I have called several times during the year to enroll and was told that it was by invitation only and there was certain criteria that must be met to be enrolled or invited to enroll. I asked for the criteria and was told by a manager ( XXXX ID # XXXX ) that she did not know the criteria and \" they '' set the criteria. I asked who \" they '' were. XXXX could not provide me a department or a answer to who set the guidelines and what the guidelines were. I stated to XXXX that I had been a account holder for over 30 years, carried and have paid balances on time as high as $ XXXX. What more could the qualifications be? XXXX could not provide a answer. I stated to XXXX that I felt that I was being discriminated against and was concerned that no one could provide the qualifications or criteria that had to be met in order to be enrolled in the \" pay over time option ''. The service is advertised as being a feature that could assist business owners and as a business owner I could benefit from the service. XXXX was very aware that I had complained about this before because it was in my profile. She stated that it would take 2-3 weeks or more for someone to contact me. I stated that I had complained before and never received a call back. I stated to XXXX that it was unacceptable to have a service that could benefit business owners but not have the criteria or qualifications that had to be met or no one that you could speak to about the qualifications and told it was THEY who made the decisions without stating who THEY were. I believe that American Express is deciding who to offer this service to based on race or other discriminating factors. It is unacceptable to offer a service such as this that can obviously be beneficial to a business owner but not provide any qualifications or criteria whatsoever which allows them to choose who ever they want to choose. I believe this is a very serious problem that needs to be investigated, American Express should be forced to provide the qualifications required to enroll in this service and provide that information on their website for everyone to see and not leave the approval up to a group or department that has no transparency.","date_sent_to_company":"2022-06-15T13:22:18.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"30253","tags":"Older American, Servicemember","has_narrative":true,"complaint_id":"5675672","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2022-06-15T12:38:56.000Z","state":"GA","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["I have called several times during the year to enroll and was told that it was by invitation only and there was certain <em>criteria</em> that must be met to be enrolled or invited to enroll. I asked for the <em>criteria</em> and was told by a manager ( XXXX ID # XXXX ) that she did not know the <em>criteria</em> and \" they '' set the <em>criteria</em>. I asked who \" they '' were. XXXX could not provide me a department or a answer to who set the guidelines and what the guidelines were."]},"sort":[10.707761,"5675672"]},{"_index":"complaint-public-v1","_id":"3391135","_score":10.705851,"_source":{"product":"Mortgage","complaint_what_happened":"I've tried to work with US Bank Mortgage Company multiple times over multiple years to have the PMI on my mortgage loan removed. Most recently in XXXX of this year. I faxed another letter explaining how I've met the criteria for removal of PMI some years ago. Yet, they keep sending me letters denying that I have met the criteria. Every letter states that the LTV ratio must be 78 % of the original value and you must have good payment history. Both criteria has been met for over 4 years. I've never had a late payment and my LTV ratio is where it should be as well.","date_sent_to_company":"2019-09-30T21:46:12.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"43068","tags":null,"has_narrative":true,"complaint_id":"3391135","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"U.S. BANCORP","date_received":"2019-09-30T21:19:22.000Z","state":"OH","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":null},"highlight":{"complaint_what_happened":["I faxed another letter explaining how I've met the <em>criteria</em> for removal of PMI some years ago. Yet, they keep sending me letters denying that I have met the <em>criteria</em>. Every letter states that the LTV ratio must be 78 % of the original value and you must have good payment history. Both <em>criteria</em> has been met for over 4 years. I've never had a late payment and my LTV ratio is where it should be as well."]},"sort":[10.705851,"3391135"]},{"_index":"complaint-public-v1","_id":"2824807","_score":10.693971,"_source":{"product":"Checking or savings account","complaint_what_happened":"This is in regards to 5/3 bank checking account offer which states, \" Essential Checking account must be opened between XX/XX/XXXX and XX/XX/XXXX. To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening [ criteria 1 ] AND maintain a {$500.00} minimum balance for 60 days [ criteria 2 ] ''. I called Fifth Third bank today, spoke with XXXX in XXXX, OH at XXXX, who informed me that I no longer qualify for the {$300.00} bonus because my balance had at some point fallen below {$500.00}. I explained to her that I still qualify for the offer because I completed criteria 1 and am still able to complete criteria 2 because criteria 2 does not say at what point in time criteria 2 needs to be met - For example, a certain number of days from account opening or a certain number of days from when you make the initial {$500.00} deposit. \n\nIn my particular case, I opened a 5/3 Essential Checking account on XX/XX/XXXX and provided them with the offer code they had sent me. On XX/XX/XXXX, I made my first deposit of {$500.00} or more ( meeting criteria 1 ), then I withdrew money causing my balance to go under {$500.00} ( which I argue does not disqualify me ), and then I brought my balance back to {$500.00} on XX/XX/XXXX and have maintained it at {$500.00} or more ever since. On XX/XX/XXXX, 60 days from XX/XX/XXXX I will have completed criteria 2 and should be given {$300.00} from Fifth Third Bank. \n\nHad the language in the bonus offer stated, \" To obtain the {$300.00} bonus, deposit ( s ) totaling {$500.00} or more must be received within 45 days of account opening AND maintain a {$500.00} minimum balance for 60 days from the date of the first deposit of {$500.00} dollars or more '' then they would have reason to disqualify me. But that is not what it says. \n\nAt the web address below you will find their current offer with the same language as the prior offer just different dates as to when the offer expires and current offer is {$200.00} instead of {$300.00} when I signed up : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX","date_sent_to_company":"2018-02-24T20:10:39.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"60439","tags":null,"has_narrative":true,"complaint_id":"2824807","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"FIFTH THIRD FINANCIAL CORPORATION","date_received":"2018-02-24T19:47:23.000Z","state":"IL","company_public_response":null,"sub_issue":"Funds not handled or disbursed as instructed"},"highlight":{"complaint_what_happened":["I explained to her that I still qualify for the offer because I completed <em>criteria</em> 1 and am still able to complete <em>criteria</em> 2 because <em>criteria</em> 2 does not say at what point in time <em>criteria</em> 2 needs to be met - For example, a certain number of days from account opening or a certain number of days from when you make the initial {$500.00} deposit. \n\nIn my particular case, I opened a 5/3 Essential Checking account on XX/XX/XXXX and provided them with the offer code they had sent me."]},"sort":[10.693971,"2824807"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":7824,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":7824}]}},"product":{"doc_count":7824,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":2895,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":2855},{"key":"Other personal consumer report","doc_count":40}]}},{"key":"Mortgage","doc_count":823,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":369},{"key":"FHA mortgage","doc_count":161},{"key":"Conventional fixed mortgage","doc_count":77},{"key":"VA mortgage","doc_count":60},{"key":"Home equity loan or line of credit (HELOC)","doc_count":46},{"key":"Conventional adjustable mortgage (ARM)","doc_count":41},{"key":"Other type of mortgage","doc_count":34},{"key":"Home equity loan or line of credit","doc_count":16},{"key":"Other mortgage","doc_count":13},{"key":"Reverse mortgage","doc_count":3},{"key":"USDA mortgage","doc_count":2},{"key":"Manufactured home loan","doc_count":1}]}},{"key":"Checking or savings account","doc_count":806,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":624},{"key":"Savings account","doc_count":97},{"key":"Other banking product or 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