{"took":230,"timed_out":false,"_shards":{"total":5,"successful":5,"skipped":0,"failed":0},"hits":{"total":{"value":881,"relation":"eq"},"max_score":null,"hits":[{"_index":"complaint-public-v1","_id":"15837842","_score":14.914379,"_source":{"product":"Debt collection","complaint_what_happened":"A collection account was added to my credit report by XXXX XXXX XXXX without my knowledge, notice, or any traceable communication. I have never received any prior notice by mail or otherwise before this was reported. They are attempting to collect on an alleged rental debt from a property called XXXX XXXX XXXX XXXXXXXX XXXX. \n\nI discovered the account only by checking my credit report. I immediately disputed it and requested full validation, including legal documentation and proof of mailing, as required by law. To this day, I have never received the required documents, such as the original lease or agreement, itemized accounting, chain of custody, proof of ownership, or a sworn declaration regarding any IRS XXXX No traceable communication has ever been sent to me. \n\nDespite the lack of legal validation or proof of contact, XXXX XXXX continues to report the debt to all three credit bureaus every month. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). I have submitted formal demands for validation and received no legally sufficient response. \nApplicable Violations & Cumulative Counts : FCRA Violations 15 U.S.C. 1681s-2 ( b ) : XXXX cumulative violations ( XXXX  months XXXX CRAs ) FDCPA Violations 15 U.S.C. 1692e : XXXX cumulative violations FDCPA Violations 15 U.S.C. 1692f : XXXX cumulative violations FDCPA Violations 15 U.S.C. 1692g : XXXX cumulative violations Failure to Report Disputed Status 15 U.S.C. 1681s-2 ( a ) ( 3 ) : XXXX cumulative violations Willful Noncompliance FCRA 1681n : XXXX cumulative violations Negligent Noncompliance FCRA 1681o : XXXX cumulative violations Common Law Damages : Emotional distress, credit denials, blocked housing/job opportunities Florida State-Level Consumer Protection Violations : Deceptive or unfair collection ; entitled to treble damages per violation I have attached the relevant excerpt from my current XXXX  credit report showing this account is still being reported as of [ Insert Date ]. I request that XXXX XXXX be compelled to provide full legal validation or have the account immediately deleted.","date_sent_to_company":"2025-09-11T15:05:42.000Z","issue":"Attempts to collect debt not owed","sub_product":"Other debt","zip_code":"33142","tags":null,"has_narrative":true,"complaint_id":"15837842","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"T.S. Holdings","date_received":"2025-09-10T22:07:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Debt is not yours"},"highlight":{"complaint_what_happened":["Applicable Violations & <em>Cumulative</em> Counts : FCRA Violations 15 U.S.C. 1681s-2 ( b ) : XXXX <em>cumulative</em> violations ( XXXX  months XXXX CRAs ) FDCPA Violations 15 U.S.C. 1692e : XXXX <em>cumulative</em> violations FDCPA Violations 15 U.S.C. 1692f : XXXX <em>cumulative</em> violations FDCPA Violations 15 U.S.C. 1692g : XXXX <em>cumulative</em> violations Failure to Report Disputed Status 15 U.S.C. 1681s-2 ( a ) ( 3 ) : XXXX <em>cumulative</em> violations Willful Noncompliance FCRA 1681n : XXXX <em>cumulative</em> violations Negligent Noncompliance"]},"sort":[14.914379,"15837842"]},{"_index":"complaint-public-v1","_id":"7901090","_score":14.661111,"_source":{"product":"Debt collection","complaint_what_happened":"NewRez LLC XXXX Shellpoint assessed a predatory late fee of {$64.00} as it failed to and continues to fail to comply with FHFA regulations dated XX/XX/2023 and failed to exclude the cumulative cap on disaster payment deferral or a COVID-19 payment deferral when NewRez LLC / Shellpoint is aware that as per FHFA regulations the cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. \n\n( See attached exhibit A and B ). \n\n\nSimply stated the prior Covid 19 payment deferments are NOT included in cumulative cap and can NOT be used as a basis for denying the current 3 months deferment request. \n\nNewRez LLC/ Shellpoint does the OPPOSITE. NewRez LLC/Shellpoint uses a prior Covid 19 payment deferment as a basis for denying the current 3 months request. \n\nI have not used any of the FHFA allowed to be deferred 6 months of payments based on XX/XX/XXXX FHFA guidelines. \nFHFA regulations specifically exclude prior Covid 19 issued deferments as a basis for which NewRez Shellpoint can deny the current 3 months deferment request. \n\nThere is NO CAP that Shellpoint can rely on to to justify their refusal to provide a current payment deferment because cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. \n\nNewRez LLC/ Shellpoint simply ignore the fact that the previous 21 months Covid -19 deferment as a result of XXXX XXXX XXXXXXXX shut downs which had occured as a result of nationwide disaster and Gov. XXXX executive Orders related to NYC shut downs and shelter in place and Covid 19 deferment can NOT be used as a basis for You have exhausted the maximum amount of allowed deferred payments ; therefore, the loan does not qualify for an additional 3-month deferral due to COVID-19. ( Verbatim from Shellpoints letter dated XX/XX/2023 ). \n\n\nNewRez LLC / Shellpoint continues to operate in direct violation of federal regulations despite of their full knowledge of the exclusion of the cumulative cap on disaster payment deferral or a COVID-19 payment deferral. \n\nThis is a second formal request for NewRez LLC / Shellpoint to further elaborate on to why NewRez LLC / Shellpoint continues to fail to exclude the cumulative cap on disaster payment deferral or a COVID-19 payment deferral when NewRez LLC / Shellpoint is aware that as per FHFA regulations the cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. \n\nThis is equally a formal request for NewRez LLC / Shellpoint to remove a predatory late fee of {$64.00} as NewRez LLC / Shellpoint continues to fail to exclude the cumulative cap on disaster payment deferral or a COVID-19 payment deferral when NewRez LLC / Shellpoint is aware that as per FHFA regulations the cumulative cap does not apply to disaster payment deferral or a COVID-19 payment deferral. \n\n\nEncl : FHFA regulations exhibit A and B.","date_sent_to_company":"2023-11-25T03:12:01.000Z","issue":"False statements or representation","sub_product":"Mortgage debt","zip_code":"11235","tags":null,"has_narrative":true,"complaint_id":"7901090","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-11-25T03:01:50.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Attempted to collect wrong amount"},"highlight":{"complaint_what_happened":["This is a second formal request for NewRez LLC / Shellpoint to further elaborate on to why NewRez LLC / Shellpoint continues to fail to exclude the <em>cumulative</em> cap on disaster payment deferral or a COVID-19 payment deferral when NewRez LLC / Shellpoint is aware that as per FHFA regulations the <em>cumulative</em> cap does not apply to disaster payment deferral or a COVID-19 payment deferral."]},"sort":[14.661111,"7901090"]},{"_index":"complaint-public-v1","_id":"3105281","_score":14.567178,"_source":{"product":"Checking or savings account","complaint_what_happened":"On XX/XX/2018 Capital One put an offer for {$500.00} for their XXXX XXXX XXXX Account where if you deposited a cumulative amount of {$50000.00} you would receive the bonus. From XX/XX/XXXX to XX/XX/2018 I cumulatively deposited $ XXXX and I called in after 60 days asking for the {$500.00}, but the call agent said that there is a $ XXXX balance requirement that wasn't part of original offer letter. \n\nThey are adding a new element to the terms and conditions that wasn't present in the original document in order to not pay out the bonus. \n\nAttached is the offer where there is no mention of a XXXX balance and screenshots of my bank statements where you can see I cumulatively deposited {$50000.00}.","date_sent_to_company":"2018-12-19T16:29:59.000Z","issue":"Managing an account","sub_product":"Savings account","zip_code":"22203","tags":null,"has_narrative":true,"complaint_id":"3105281","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-12-19T16:19:27.000Z","state":"VA","company_public_response":null,"sub_issue":"Banking errors"},"highlight":{"complaint_what_happened":["Attached is the offer where there is no mention of a XXXX balance and screenshots of my bank statements where you can see I <em>cumulatively</em> deposited {$50000.00}."]},"sort":[14.567178,"3105281"]},{"_index":"complaint-public-v1","_id":"7833516","_score":14.068373,"_source":{"product":"Mortgage","complaint_what_happened":"NewRez LLC/Shellpoint continues to openly defy and ignore new XXXX regulations despite of their full knowledge of the fact that cumulative cap does not apply to disaster payment deferral or a XXXX payment deferral. \n( See attached exhibit A and B ) Simply stated the prior XXXX  XXXX payment deferments are NOT included in cumulative cap and can NOT be used as a basis for denying the current 3 months deferment request. \n\nNewRez LLC/ Shellpoint does the OPPOSITE. NewRez LLC/Shellpoint uses a prior XXXX XXXX payment deferment as a basis for denying the current 3 months request. \n\nI have not used any of the XXXX allowed to be deferred 6 months of payments based on XX/XX/XXXX XXXX  guidelines. \nXXXX regulations specifically exclude prior XXXX XXXX issued deferments as a basis for which NewRez Shellpoint can deny the current 3 months deferment request. \n\nThere is NO CAP that Shellpoint can rely on to to justify their refusal to provide a current payment deferment because cumulative cap does not apply to disaster payment deferral or a XXXX payment deferral. \n\nXXXXwRez LLC/ Shellpoint simply ignore the fact that the previous 21 months XXXX  XXXX deferment as a result of XXXX XXXX  XXXX shut downs which had occured as a result of nationwide disaster and Gov. XXXX executive Orders related to XXXX shut downs and shelter in place and XXXX  XXXX deferment can NOT be used as a basis for You have exhausted the maximum amount of allowed deferred payments ; therefore, the loan does not qualify for an additional XXXX deferral due to XXXX. ( Shellpoints prior letter dated XX/XX/2023 ). \n\n\nNewRez LLC / Shellpoint continues to operate in direct violation of federal regulations despite of their full knowledge of the exclusion of the cumulative cap on disaster payment deferral or a XXXX payment deferral. \n\nThis is a formal request for NewRez LLC / Shellpoint to further elaborate on to why NewRez LLC XXXX Shellpoint continues to fail to exclude the cumulative cap on disaster payment deferral or a XXXX payment deferral when NewRez LLC / Shellpoint is aware that as per XXXX  regulations the cumulative cap does NOT apply to disaster payment deferral or a XXXX payment deferral.","date_sent_to_company":"2023-11-11T01:22:15.000Z","issue":"Applying for a mortgage or refinancing an existing mortgage","sub_product":"FHA mortgage","zip_code":"11235","tags":null,"has_narrative":true,"complaint_id":"7833516","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Shellpoint Partners, LLC","date_received":"2023-11-11T01:05:26.000Z","state":"NY","company_public_response":"Company believes it acted appropriately as authorized by contract or law","sub_issue":"Application denials"},"highlight":{"complaint_what_happened":["This is a formal request for NewRez LLC / Shellpoint to further elaborate on to why NewRez LLC XXXX Shellpoint continues to fail to exclude the <em>cumulative</em> cap on disaster payment deferral or a XXXX payment deferral when NewRez LLC / Shellpoint is aware that as per XXXX  regulations the <em>cumulative</em> cap does NOT apply to disaster payment deferral or a XXXX payment deferral."]},"sort":[14.068373,"7833516"]},{"_index":"complaint-public-v1","_id":"9134199","_score":14.060829,"_source":{"product":"Student loan","complaint_what_happened":"I overpaid my XXXX income share agreements by {$200.00} last year. They will not issue me a statement credit for the overpayment and are instead applying it to my cumulative balance. This cumulative balance will most certainly not be met by the time my payment period is up, so in a way they are stealing money from me. They have not been helpful and it's very scammy how they are just taking my overpayment money, which belongs to me, and applying it to a balance that I will not reach.","date_sent_to_company":"2024-06-05T21:21:56.000Z","issue":"Issue with income share agreement","sub_product":"Private student loan","zip_code":"60657","tags":null,"has_narrative":true,"complaint_id":"9134199","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Goal Structured Solutions, LLC","date_received":"2024-05-30T22:16:55.000Z","state":"IL","company_public_response":null,"sub_issue":"Billing or statement issues"},"highlight":{"complaint_what_happened":["They will not issue me a statement credit for the overpayment and are instead applying it to my <em>cumulative</em> balance. This <em>cumulative</em> balance will most certainly not be met by the time my payment period is up, so in a way they are stealing money from me. They have not been helpful and it's very scammy how they are just taking my overpayment money, which belongs to me, and applying it to a balance that I will not reach."]},"sort":[14.060829,"9134199"]},{"_index":"complaint-public-v1","_id":"15837818","_score":14.047956,"_source":{"product":"Credit reporting or other personal consumer reports","complaint_what_happened":"I am submitting this complaint regarding ongoing violations by the consumer reporting agenciesEquifax, XXXX XXXX XXXXXXXXfor their repeated and unlawful reporting of an account placed by XXXX XXXX XXXX without having conducted any lawful investigation or requiring proper legal validation from the furnisher. Despite formal disputes sent to each bureau and the absence of any response from XXXX XXXX that satisfies federal law, all three credit reporting agencies continue to report the account each month, compounding the damage.\n\nTo date, no credit bureau has provided me with the legally required results of an actual investigation under 15 U.S.C. 1681i ( a ). The agencies have failed to remove the account or obtain documentation sufficient to constitute a lawful reinsertion or verification. The credit bureaus are required to delete any account that remains unvalidated or unverifiable, especially after being put on notice that it is disputed and that the furnisher has failed to respond with legally required proof. Furthermore, they have continued to report this item without reflecting its disputed status, which constitutes a separate violation. \n\nThis misconduct is part of a broader pattern confirmed by court decisions and federal enforcement actions, including XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ), where the court held that failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), and the XXXX CFPB enforcement action against XXXX XXXX XXXX, which emphasized that credit bureaus have a duty to investigate and block unverifiable items under 15 U.S.C. 1681s-2 ( b ). The consistent failure to conduct legitimate investigations, while continuing to furnish data provided by a non-responding third-party debt collector, places the agencies in direct violation of federal law. \n\nEach month this inaccurate account is reported to each CRA constitutes multiple cumulative violations. As of today, the account has been reported for at least 18 months. This equals a minimum of XXXX cumulative FCRA violations per statute below : XXXX cumulative violations under 15 U.S.C. 1681s-2 ( b ) ( failure to verify before furnishing ) XXXX cumulative violations under 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures ) XXXX cumulative violations under 15 U.S.C. 1681i ( a ) ( failure to reinvestigate disputed information ) XXXX cumulative violations under 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( failure to report account as disputed ) XXXX cumulative violations under FCRA 1681n ( willful noncompliance ) XXXX cumulative violations under FCRA 1681o ( negligent noncompliance ) In addition, I am seeking common law damages for emotional distress, credit denials, blocked housing opportunities, and economic harm resulting from these unlawful reports. Each bureau has enabled the continued damage of my credit reputation by knowingly publishing unverified data. \n\nThe cumulative violations entitle me to seek statutory damages of up to {$1000.00} per violation, per bureau, plus actual and punitive damages, attorneys fees, and any applicable state-level consumer protection penalties. Based on current evidence, the minimum amount of statutory damages due exceeds {$54000.00} per bureau, and I reserve the right to amend these amounts if further CRAs are found to be reporting this account via the CFPB 's published list of nationwide and specialty reporting agencies.","date_sent_to_company":"2025-09-11T15:10:21.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"33142","tags":null,"has_narrative":true,"complaint_id":"15837818","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"EQUIFAX, INC.","date_received":"2025-09-10T22:59:38.000Z","state":"FL","company_public_response":null,"sub_issue":"Information belongs to someone else"},"highlight":{"complaint_what_happened":["This equals a minimum of XXXX <em>cumulative</em> FCRA violations per statute below : XXXX <em>cumulative</em> violations under 15 U.S.C. 1681s-2 ( b ) ( failure to verify before furnishing ) XXXX <em>cumulative</em> violations under 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures ) XXXX <em>cumulative</em> violations under 15 U.S.C. 1681i ( a ) ( failure to reinvestigate disputed information ) XXXX <em>cumulative</em> violations under 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( failure to report account as disputed ) XXXX <em>cumulative</em>"]},"sort":[14.047956,"15837818"]},{"_index":"complaint-public-v1","_id":"15836808","_score":14.012487,"_source":{"product":"Debt collection","complaint_what_happened":"I am submitting this complaint regarding ongoing violations by the consumer reporting agenciesXXXX XXXX  and TransUnionfor their repeated and unlawful reporting of an account placed by XXXX XXXX XXXX without having conducted any lawful investigation or requiring proper legal validation from the furnisher. Despite formal disputes sent to each bureau and the absence of any response from XXXX XXXX that satisfies federal law, all three credit reporting agencies continue to report the account each month, compounding the damage. \n\nTo date, no credit bureau has provided me with the legally required results of an actual investigation under 15 U.S.C. 1681i ( a ). The agencies have failed to remove the account or obtain documentation sufficient to constitute a lawful reinsertion or verification. The credit bureaus are required to delete any account that remains unvalidated or unverifiable, especially after being put on notice that it is disputed and that the furnisher has failed to respond with legally required proof. Furthermore, they have continued to report this item without reflecting its disputed status, which constitutes a separate violation. \n\nThis misconduct is part of a broader pattern confirmed by court decisions and federal enforcement actions, including Gillespie v. TransUnion Corp., 482 F.3d 907 ( XXXXXXXX XXXX XXXX ), where the court held that failure to conduct a reasonable investigation violates the Fair Credit Reporting Act ( FCRA ), and the XXXX CFPB enforcement action againsXXXX XXXX XXXX XXXX, which emphasized that credit bureaus have a duty to investigate and block unverifiable items under 15 U.S.C. 1681s-2 ( b ). The consistent failure to conduct legitimate investigations, while continuing to furnish data provided by a non-responding third-party debt collector, places the agencies in direct violation of federal law. \n\nEach month this inaccurate account is reported to each CRA constitutes multiple cumulative violations. As of today, the account has been reported for at least 18 months. This equals a minimum of 54 cumulative FCRA violations per statute below : 54 cumulative violations under 15 U.S.C. 1681s-2 ( b ) ( failure to verify before furnishing ) 54 cumulative violations under 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures ) 54 cumulative violations under 15 U.S.C. 1681i ( a ) ( failure to reinvestigate disputed information ) 54 cumulative violations under 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( failure to report account as disputed ) 54 cumulative violations under FCRA 1681n ( willful noncompliance ) 54 cumulative violations under FCRA 1681o ( negligent noncompliance ) In addition, I am seeking common law damages for emotional distress, credit denials, blocked housing opportunities, and economic harm resulting from these unlawful reports. Each bureau has enabled the continued damage of my credit reputation by knowingly publishing unverified data. \n\nThe cumulative violations entitle me to seek statutory damages of up to {$1000.00} per violation, per bureau, plus actual and punitive damages, attorneys fees, and any applicable state-level consumer protection penalties. Based on current evidence, the minimum amount of statutory damages due exceeds {$54000.00} per bureau, and I reserve the right to amend these amounts if further CRAs are found to be reporting this account via the CFPB 's published list of nationwide and specialty reporting agencies.","date_sent_to_company":"2025-09-11T15:06:08.000Z","issue":"Took or threatened to take negative or legal action","sub_product":"I do not know","zip_code":"33142","tags":null,"has_narrative":true,"complaint_id":"15836808","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"TRANSUNION INTERMEDIATE HOLDINGS, INC.","date_received":"2025-09-10T22:38:35.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Threatened or suggested your credit would be damaged"},"highlight":{"complaint_what_happened":["This equals a minimum of 54 <em>cumulative</em> FCRA violations per statute below : 54 <em>cumulative</em> violations under 15 U.S.C. 1681s-2 ( b ) ( failure to verify before furnishing ) 54 <em>cumulative</em> violations under 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures ) 54 <em>cumulative</em> violations under 15 U.S.C. 1681i ( a ) ( failure to reinvestigate disputed information ) 54 <em>cumulative</em> violations under 15 U.S.C. 1681s-2 ( a ) ( 3 ) ( failure to report account as disputed ) 54 <em>cumulative</em> violations under"]},"sort":[14.012487,"15836808"]},{"_index":"complaint-public-v1","_id":"21173925","_score":13.465567,"_source":{"product":"Credit card","complaint_what_happened":"I am filing a complaint regarding inaccurate and misleading credit reporting by Chime. \n\nChime is currently reporting a balance of approximately {$5300.00} on my credit report. This is incorrect. The amount being reported reflects cumulative deposits or transaction activity, not an actual outstanding balance. \n\nMy account has a {$0.00} balance and is in good standing. At no point have I owed this amount as a debt. This inaccurate reporting is falsely inflating my credit utilization and is significantly damaging my credit score.\n\nI have reviewed my account and confirmed there is no legitimate balance owed. Reporting cumulative deposits as a balance is misleading and does not accurately reflect my credit obligation.","date_sent_to_company":"2026-04-12T19:43:51.000Z","issue":"Incorrect information on your report","sub_product":"General-purpose credit card or charge card","zip_code":"513XX","tags":null,"has_narrative":true,"complaint_id":"21173925","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Chime Financial Inc","date_received":"2026-04-12T19:36:28.000Z","state":"IA","company_public_response":null,"sub_issue":"Account information incorrect"},"highlight":{"complaint_what_happened":["Reporting <em>cumulative</em> deposits as a balance is misleading and does not accurately reflect my credit obligation."]},"sort":[13.465567,"21173925"]},{"_index":"complaint-public-v1","_id":"8061586","_score":12.568783,"_source":{"product":"Mortgage","complaint_what_happened":"Property inspection fees charged by my mortgage company outside of my principal, interest and escrow, and outside of late fee whenever mortgage goes 30 days past due. Requested a cumulative amount and/or copy of the property inspections.","date_sent_to_company":"2024-01-02T19:53:56.000Z","issue":"Trouble during payment process","sub_product":"FHA mortgage","zip_code":"48135","tags":null,"has_narrative":true,"complaint_id":"8061586","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Mr. Cooper Group Inc.","date_received":"2023-12-26T18:32:31.000Z","state":"MI","company_public_response":null,"sub_issue":"Payment process"},"highlight":{"complaint_what_happened":["Requested a <em>cumulative</em> amount and/or copy of the property inspections."]},"sort":[12.568783,"8061586"]},{"_index":"complaint-public-v1","_id":"5602940","_score":12.545454,"_source":{"product":"Checking or savings account","complaint_what_happened":"Sandy Spring Bank froze my account with no notification. After wasting cumulative hours and multiple phone calks they are refusing to unfreeze or close the account unless I drive to a branch, the closest of which is an hour away","date_sent_to_company":"2022-05-25T11:49:15.000Z","issue":"Closing an account","sub_product":"Checking account","zip_code":"198XX","tags":null,"has_narrative":true,"complaint_id":"5602940","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"SANDY SPRING BANCORP, INC.","date_received":"2022-05-25T11:43:29.000Z","state":"DE","company_public_response":null,"sub_issue":"Funds not received from closed account"},"highlight":{"complaint_what_happened":["After wasting <em>cumulative</em> hours and multiple phone calks they are refusing to unfreeze or close the account unless I drive to a branch, the closest of which is an hour away"]},"sort":[12.545454,"5602940"]},{"_index":"complaint-public-v1","_id":"3483172","_score":12.542329,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened a Wells Fargo Everyday Checking account on XX/XX/2019, and as part of the online account opening, made an opening deposit of {$50.00}. I opened the account on a page that offered a {$400.00} promotion bonus if I received a cumulative monthly total of {$3000.00} or more in direct deposits to the account. \n\nIn XXXX, I received {$3000.00} in direct deposits. In XXXX, {$5700.00}. In XXXX, {$5300.00}. So I should have qualified for the bonus. Wells Fargo did not award the bonus and I called them to resolve this. Wells Fargo argues that they go by statement months and not calendar months. This was not said anywhere on the promotion page ; indeed, the language says \" cumulative monthly total of {$3000.00}, '' and to a regular English reader, this means calendar month. Please award the bonus and issue an apology. A picture is attached of the promotion page.","date_sent_to_company":"2020-01-02T16:33:18.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"07039","tags":null,"has_narrative":true,"complaint_id":"3483172","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2020-01-02T16:25:58.000Z","state":"NJ","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":["This was not said anywhere on the promotion page ; indeed, the language says \" <em>cumulative</em> monthly total of {$3000.00}, '' and to a regular English reader, this means calendar month. Please award the bonus and issue an apology. A picture is attached of the promotion page."]},"sort":[12.542329,"3483172"]},{"_index":"complaint-public-v1","_id":"3101975","_score":12.442692,"_source":{"product":"Checking or savings account","complaint_what_happened":"I have opened a money market 360 account with CapitalOne on XX/XX/XXXX under a promotion code XXXX. The exact terms of the offer was \" Open a 360 Money Market account and deposit {$50000.00} or more by XX/XX/2018, using promo code XXXX to earn your exclusive {$500.00} bonus ''. \nIt never said neither about balance of {$50000.00} or more nor single deposit of {$50000.00} or more. \nI did a cumulative deposit of {$50000.00}. I have highlighted this issue in twitter with the offer link \" https : //www.capitalone.com/savings500/ ''. CapitalOne deleted that page after my post. If capitalone was correct on this then they should not hide/delete that page with terms and condition of the offer. \nHowever I already archived that page here- \" https : XXXX : //www.capitalone.com/savings500/ \". \nIn XXXX  capitalone said that they will escalate this issue, however I did not get any update from them. CapitalOne did not honor their own terms. They should understand that balance of {$50000.00} and deposit of {$50000.00} are not same. I did cumulative deposit of {$50000.00}. Terms never said that cumulative deposits are not eligible for the bonus. I met the terms and condition so I'm eligible for the offer. \nI think this is the high time for capitalone to correct themselves and stop deleting the page of offer 's terms and condition. \n\nFurther, in one of call or chat I was informed deposit should work and no need to maintain the balance of {$50000.00}. Later CSR tried to change own statement. Now this is really a trust issue with capitalone. \nHope this time capitalone should do something to get back customer 's trust in them.","date_sent_to_company":"2018-12-17T05:33:32.000Z","issue":"Opening an account","sub_product":"Savings account","zip_code":"326XX","tags":null,"has_narrative":true,"complaint_id":"3101975","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"CAPITAL ONE FINANCIAL CORPORATION","date_received":"2018-12-17T04:45:20.000Z","state":"FL","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["I did <em>cumulative</em> deposit of {$50000.00}. Terms never said that <em>cumulative</em> deposits are not eligible for the bonus. I met the terms and condition so I'm eligible for the offer. \nI think this is the high time for capitalone to correct themselves and stop deleting the page of offer 's terms and condition. \n\nFurther, in one of call or chat I was informed deposit should work and no need to maintain the balance of {$50000.00}. Later CSR tried to change own statement."]},"sort":[12.442692,"3101975"]},{"_index":"complaint-public-v1","_id":"3538087","_score":12.435026,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"My direct deposit met the requirements by qualifying as {$500.00} or more. My direct deposit was a cumulative for {$500.00} or more because I get paid sometimes daily sometimes weekly its very random. \n\nBBVA Bonus {$250.00}","date_sent_to_company":"2020-02-20T16:46:58.000Z","issue":"Advertising and marketing, including promotional offers","sub_product":"General-purpose credit card or charge card","zip_code":"32609","tags":null,"has_narrative":true,"complaint_id":"3538087","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BBVA FINANCIAL CORPORATION","date_received":"2020-02-20T16:31:40.000Z","state":"FL","company_public_response":null,"sub_issue":"Confusing or misleading advertising about the credit card"},"highlight":{"complaint_what_happened":["My direct deposit was a <em>cumulative</em> for {$500.00} or more because I get paid sometimes daily sometimes weekly its very random. \n\nBBVA Bonus {$250.00}"]},"sort":[12.435026,"3538087"]},{"_index":"complaint-public-v1","_id":"3605013","_score":12.242864,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"American Express serve has locked my account with my COVID related stimulus on the card. The only way to reset the card is with customer service through a toll free number. I have called over 20 times and have waited on hold for a cumulative 6 hours with no response.","date_sent_to_company":"2020-04-13T17:13:32.000Z","issue":"Problem getting a card or closing an account","sub_product":"General-purpose prepaid card","zip_code":"61115","tags":null,"has_narrative":true,"complaint_id":"3605013","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2020-04-13T17:08:54.000Z","state":"IL","company_public_response":null,"sub_issue":"Trouble getting a working replacement card"},"highlight":{"complaint_what_happened":["I have called over 20 times and have waited on hold for a <em>cumulative</em> 6 hours with no response."]},"sort":[12.242864,"3605013"]},{"_index":"complaint-public-v1","_id":"20080635","_score":12.170767,"_source":{"product":"Checking or savings account","complaint_what_happened":"Since XX/XX/year> I have been charged approximately {$1100.00} in overdraft fees across two TD Bank accounts. These cumulative {$35.00} fees have created a cycle where the fees themselves keep the accounts negative despite my efforts to repay the balance.","date_sent_to_company":"2026-03-09T00:17:03.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"32809","tags":null,"has_narrative":true,"complaint_id":"20080635","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"TD BANK US HOLDING COMPANY","date_received":"2026-03-08T23:34:46.000Z","state":"FL","company_public_response":null,"sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["These <em>cumulative</em> {$35.00} fees have created a cycle where the fees themselves keep the accounts negative despite my efforts to repay the balance."]},"sort":[12.170767,"20080635"]},{"_index":"complaint-public-v1","_id":"9953266","_score":12.070082,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, I opened my Huntington unlimited plus business checking account in XXXX, MI branch on XX/XX/XXXX. At that time, Huntington bank has a promotion to open business checking account. \nPromotion conditions are followings : To be eligible for the {$1000.00} cash bonus, business customer must open a new Huntington Unlimited Plus Business Checking, Business Analyzed Checking, or Non-Profit Analyzed Checking account by XX/XX/XXXX, then make a minimum cumulative new money deposit into the new checking account of at least {$20000.00} within XXXX ( XXXX ) days of account opening. The {$20000.00} or more daily balance must be maintained for 60 days after meeting your initial cumulative new money deposit requirement. Account must maintain open status for at least XXXX days before it is eligible for the bonus payment. \nI have met all promotion conditions, but Huntington didnt pay me {$1000.00} bonus. Please help me to investigate what happened and deposit {$1000.00} bonus into my account. \n\nXXXX XXXX XXXX","date_sent_to_company":"2024-08-30T00:55:37.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"9953266","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2024-08-30T00:47:09.000Z","state":"MI","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["Promotion conditions are followings : To be eligible for the {$1000.00} cash bonus, business customer must open a new Huntington Unlimited Plus Business Checking, Business Analyzed Checking, or Non-Profit Analyzed Checking account by XX/XX/XXXX, then make a minimum <em>cumulative</em> new money deposit into the new checking account of at least {$20000.00} within XXXX ( XXXX ) days of account opening."]},"sort":[12.070082,"9953266"]},{"_index":"complaint-public-v1","_id":"1930325","_score":11.9776535,"_source":{"product":"Student loan","complaint_what_happened":"I have XXXX small loans that have been transferred to Navient in XX/XX/XXXX. The cumulative value of my monthly payments was the cumulative value of all loans due monthly. For the last six months Navient randomly started applying my payments to only XXXX of the loans while assessing \" late fees '' on the rest. Telling me by XX/XX/XXXX I was {$1300.00} \" past due '' and receiving \" past due '' notices. I made a substantial payment in XX/XX/XXXX and still, \" past due '' over {$1300.00}. They blamed my bank and bank 's bill pay feature, which is bogus. They \" reallocated '' my XX/XX/XXXX payments, provided a NEW ACCOUNT NUMBER ( not the one on their website ) to me to use for XXXX of the XXXX of my loans ... I 've cancelled email statements because I want all their lies in writing now and I 'm closely monitoring to see if any \" late fees '' are actually assessed XX/XX/XXXX-XX/XX/XXXX as I will dispute them.","date_sent_to_company":"2016-05-18T13:27:26.000Z","issue":"Dealing with my lender or servicer","sub_product":"Federal student loan servicing","zip_code":"78640","tags":null,"has_narrative":true,"complaint_id":"1930325","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"Navient Solutions, LLC.","date_received":"2016-05-18T13:27:25.000Z","state":"TX","company_public_response":null,"sub_issue":"Trouble with how payments are handled"},"highlight":{"complaint_what_happened":["The <em>cumulative</em> value of my monthly payments was the <em>cumulative</em> value of all loans due monthly. For the last six months Navient randomly started applying my payments to only XXXX of the loans while assessing \" late fees '' on the rest. Telling me by XX/XX/XXXX I was {$1300.00} \" past due '' and receiving \" past due '' notices. I made a substantial payment in XX/XX/XXXX and still, \" past due '' over {$1300.00}. They blamed my bank and bank 's bill pay feature, which is bogus."]},"sort":[11.9776535,"1930325"]},{"_index":"complaint-public-v1","_id":"3379894","_score":11.916082,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened the account based on a promotion : Qualifications to receive {$400.00} Welcome Bonus - within 150 days of account opening, receive a cumulative monthly total of {$3000.00} or more in qualifying direct deposits to the checking account opened for this bonus offer for three consecutive months. \n\nI travel abroad and upon calling Wells Fargo, they would not allow me access to reissue direct deposit after my depositor stated they had to have a letter directly from them. \n\nSo the deposits were unable to be set up until beginning of XXXX. But this was after calling Wells Fargo, and them repeatedly denying my inquiries. Also, blocks on accessing their website from outside the U.S. presumably. I explained to the agent that my promotion required my direct deposits but he said that I needed to come into a bank branch which is physically impossible. \n\nStill, I deposited values, equaling over {$29000.00} during the months of XXXX, XXXX and XXXX, which meets the requirements for deposits within 150 days over 3 consecutive months. The bank representative XXXX XXXX in customer care at first told me that they were not made within first 3 months ( not as promotion period stated ). When I corrected her that I had until XX/XX/XXXX to be within 150 days, she stated that {$3000.00} was not made in XXXX, but the promotion states cumulative monthly total, and she refused to honor it. \n\nTo beware : 1- Wells Fargo prevented me from setting up direct deposit through their \" safety measures '' while I was out of the country, disallowing me from quickly satisfying terms. \n2- Wells Fargo read an absolute ( or partial ) sum of one month to say I did not qualify, instead of the cumulative sum that they placed in their offer. \n\nThis is misleading and very regrettable, and I hope to advise others to not fall into a promotion that they do not intend to give.","date_sent_to_company":"2019-09-19T17:10:40.000Z","issue":"Managing an account","sub_product":"Checking account","zip_code":"30344","tags":null,"has_narrative":true,"complaint_id":"3379894","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2019-09-19T16:25:03.000Z","state":"GA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Deposits and withdrawals"},"highlight":{"complaint_what_happened":["When I corrected her that I had until XX/XX/XXXX to be within 150 days, she stated that {$3000.00} was not made in XXXX, but the promotion states <em>cumulative</em> monthly total, and she refused to honor it."]},"sort":[11.916082,"3379894"]},{"_index":"complaint-public-v1","_id":"19962006","_score":11.790318,"_source":{"product":"Checking or savings account","complaint_what_happened":"I am submitting this complaint regarding three overdraft fees totaling {$100.00} that were charged to my checking account ( ending in XXXX ) on XX/XX/year>. \n\nThe fees were assessed at {$35.00} each for transactions that posted on XX/XX/year>. While I understand that my account balance was insufficient at the time of posting, the cumulative {$100.00} in fees has created a significant financial hardship. I am a low-income customer, and this fee amount represents funds that would otherwise be used to pay essential living expenses. As a direct result of these fees, one of my necessary bills will now go unpaid. \n\nAlthough Wells Fargo has assisted with fee reversals in the past, repeated overdraft penalties continue to disproportionately impact financially vulnerable customers. These fees, when viewed cumulatively, appear to be unfair, deceptive, or abusive practices ( UDAAP ) because they cause substantial harm, are not reasonably avoidable, and do not provide countervailing benefits to consumers. \n\nIt was also unnecessarily difficult to locate a clear email address or direct communication channel to submit a written complaint. Reasonable access to complaint procedures should not be a barrier for customers already experiencing financial strain.","date_sent_to_company":"2026-03-04T13:47:51.000Z","issue":"Problem caused by your funds being low","sub_product":"Checking account","zip_code":"33569","tags":null,"has_narrative":true,"complaint_id":"19962006","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2026-03-04T13:42:07.000Z","state":"FL","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Overdrafts and overdraft fees"},"highlight":{"complaint_what_happened":["While I understand that my account balance was insufficient at the time of posting, the <em>cumulative</em> {$100.00} in fees has created a significant financial hardship. I am a low-income customer, and this fee amount represents funds that would otherwise be used to pay essential living expenses. As a direct result of these fees, one of my necessary bills will now go unpaid."]},"sort":[11.790318,"19962006"]},{"_index":"complaint-public-v1","_id":"13673916","_score":11.7712345,"_source":{"product":"Checking or savings account","complaint_what_happened":"Hello, I opened my Huntington Business Unlimited Plus Business Checking in Huntington Bank Branch, XXXX XXXX XXXX XXXX, XXXX, MI XXXX, on XXXX At that time, Huntington bank had a promotion : make a minimum cumulative new money deposit into the new checking account of at least {$20000.00} within thirty ( 30 ) days of account opening. The {$20000.00} or more daily balance must be maintained for 60 days after meeting your initial cumulative new money deposit requirement. Account must maintain open status for at least 90 days before it is eligible for the bonus payment. \n\nI fulfilled all these requirements, but after 14 days, I still dont receive {$1000.00} bonus. \n\nCan you please investigate what happened and deposit {$1000.00} to my Huntington business checking account. \n\nXXXX I just noticed that Huntington bank changed business checking promotion conditions now, but when I opened my account on XXXX XXXX XXXX the old promotion condition is still valid. Please honor your promotion. Please see the attached file for promotion I applied for. \n\nThanks XXXX XXXX","date_sent_to_company":"2025-05-23T15:05:24.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"483XX","tags":null,"has_narrative":true,"complaint_id":"13673916","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"HUNTINGTON NATIONAL BANK, THE","date_received":"2025-05-23T14:47:03.000Z","state":"MI","company_public_response":null,"sub_issue":"Didn't receive terms that were advertised"},"highlight":{"complaint_what_happened":["Hello, I opened my Huntington Business Unlimited Plus Business Checking in Huntington Bank Branch, XXXX XXXX XXXX XXXX, XXXX, MI XXXX, on XXXX At that time, Huntington bank had a promotion : make a minimum <em>cumulative</em> new money deposit into the new checking account of at least {$20000.00} within thirty ( 30 ) days of account opening. The {$20000.00} or more daily balance must be maintained for 60 days after meeting your initial <em>cumulative</em> new money deposit requirement."]},"sort":[11.7712345,"13673916"]},{"_index":"complaint-public-v1","_id":"18655956","_score":11.736319,"_source":{"product":"Mortgage","complaint_what_happened":"I am submitting this complaint regarding the handling of my loss mitigation application by NC State Employees Credit Union ( NCSECU ). My completed mortgage assistance application was received by NCSECU on XX/XX/XXXX and denied the following day, XX/XX/XXXX. \n\nI was advised by phone that the denial was based on the assertion that my XX/XX/XXXX job loss did not cause my delinquency because I was already behind prior to that event. This reasoning fails to consider my documented cumulative and ongoing financial hardship, which began well before XX/XX/XXXX and was materially worsened by the loss of employment. \n\nI was also informed that I have XXXX calendar days from XX/XX/XXXX to appeal the decision, despite not yet receiving a written denial letter or appeal instructions. Denying a completed application within one day, without meaningful review, and starting an appeal timeline before providing written notice raises concerns regarding fair loss mitigation practices. \n\nI am requesting that NCSECU conduct a full and impartial review of my application, consider the cumulative nature of my hardship, provide written justification for the denial, and honor my appeal rights in accordance with applicable servicing standards.","date_sent_to_company":"2026-01-12T18:38:58.000Z","issue":"Struggling to pay mortgage","sub_product":"Conventional home mortgage","zip_code":"28304","tags":null,"has_narrative":true,"complaint_id":"18655956","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"STATE EMPLOYEES CREDIT UNION","date_received":"2026-01-12T18:19:37.000Z","state":"NC","company_public_response":null,"sub_issue":"Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu"},"highlight":{"complaint_what_happened":["I am requesting that NCSECU conduct a full and impartial review of my application, consider the <em>cumulative</em> nature of my hardship, provide written justification for the denial, and honor my appeal rights in accordance with applicable servicing standards."]},"sort":[11.736319,"18655956"]},{"_index":"complaint-public-v1","_id":"17070662","_score":11.736319,"_source":{"product":"Checking or savings account","complaint_what_happened":"What happened? \n\nOn XX/XX/year>, I opened a BMO checking account ( Account ending in XXXX ) at a branch with employee XXXX XXXX. \n\nI was induced to open this account by a specific promotional offer ( Promo Code : XXXX ), which promised a {$400.00} cash bonus after receiving a cumulative total of {$4000.00} in qualifying direct deposits within 90 days of account opening. \n\nI met this requirement. \n\nOn XX/XX/year>, I received an ACH deposit of {$2000.00}. \n\nOn XX/XX/year>, I received a second ACH deposit of {$2000.00}. \n\nThese two deposits brought my cumulative total to {$4000.00} well within the 90-day qualification period. Both deposits are clearly described on my bank statement as \" ACH DEPOSIT XXXX XXXX XXXX XXXX XXXX XXXX. '' The promotional terms state the bonus would be paid approximately 100 days after account opening. As of today, XX/XX/year>, which is well past the 100-day mark, I have not received the promised {$400.00} bonus. \n\nI have fulfilled my end of the promotional agreement. BMO has failed to honor its advertised offer.","date_sent_to_company":"2025-11-06T19:55:41.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"80301","tags":null,"has_narrative":true,"complaint_id":"17070662","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"BMO BANK NATIONAL ASSOCIATION","date_received":"2025-11-06T19:40:35.000Z","state":"CO","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":["I was induced to open this account by a specific promotional offer ( Promo Code : XXXX ), which promised a {$400.00} cash bonus after receiving a <em>cumulative</em> total of {$4000.00} in qualifying direct deposits within 90 days of account opening. \n\nI met this requirement. \n\nOn XX/XX/year>, I received an ACH deposit of {$2000.00}. \n\nOn XX/XX/year>, I received a second ACH deposit of {$2000.00}. \n\nThese two deposits brought my <em>cumulative</em> total to {$4000.00} well within the 90-day qualification period."]},"sort":[11.736319,"17070662"]},{"_index":"complaint-public-v1","_id":"2804291","_score":11.712512,"_source":{"product":"Credit card or prepaid card","complaint_what_happened":"I applied and was approved for the American Express XXXX XXXX XXXX Card on XX/XX/2017 ( see exhibit 1 attached ). As part of the offer details, I would receive XXXX XXXX XXXX XXXX after spending {$3000.00} in the first 3 months. After two statement periods, I spent a cumulative {$3300.00}, and paid in full ( see exhibit 2 and 3 attached ). After three statement periods, I spent a cumulative {$7200.00}, and paid in full ( see exhibit 4 attached ). I was also assessed an annual fee of {$75.00}. The {$75.00} is not included in my spend figures noted above. \n\nFurther, American Express was offering XXXX XXXX XXXX Points for each referral that translated into an approved account opening. I approved both my wife and my brother in law, who both received approval, received the American Express XXXX XXXX XXXX Card, and both earned the XXXX XXXX XXXX  Points bonus. \n\nI have contacted American Express on numerous occasions, and have received a plethora of varying responses and reasons. A case was opened several weeks ago with no known resolution as of today.","date_sent_to_company":"2018-02-05T22:13:02.000Z","issue":"Other features, terms, or problems","sub_product":"General-purpose credit card or charge card","zip_code":"22101","tags":null,"has_narrative":true,"complaint_id":"2804291","timely":"Yes","company_response":"Closed with non-monetary relief","submitted_via":"Web","company":"AMERICAN EXPRESS COMPANY","date_received":"2018-02-05T21:51:23.000Z","state":"VA","company_public_response":null,"sub_issue":"Problem with rewards from credit card"},"highlight":{"complaint_what_happened":["After two statement periods, I spent a <em>cumulative</em> {$3300.00}, and paid in full ( see exhibit 2 and 3 attached ). After three statement periods, I spent a <em>cumulative</em> {$7200.00}, and paid in full ( see exhibit 4 attached ). I was also assessed an annual fee of {$75.00}. The {$75.00} is not included in my spend figures noted above. \n\nFurther, American Express was offering XXXX XXXX XXXX Points for each referral that translated into an approved account opening."]},"sort":[11.712512,"2804291"]},{"_index":"complaint-public-v1","_id":"4155275","_score":11.657392,"_source":{"product":"Credit reporting, credit repair services, or other personal consumer reports","complaint_what_happened":"I noticed XXXX XXXX XXXX XXXX reported to a charge off to all the three major Credit Bureaus before 90 days. Per the FDIC 5000 - Statements of Policy ; Open- and closed-end loans past due 90 cumulative days from the contractual due date should be classified Substandard. \n\nWhich the balance was paid before the account was reported as a charge off.","date_sent_to_company":"2021-02-21T23:01:26.000Z","issue":"Incorrect information on your report","sub_product":"Credit reporting","zip_code":"19114","tags":null,"has_narrative":true,"complaint_id":"4155275","timely":"Yes","company_response":"Closed with explanation","submitted_via":"Web","company":"Experian Information Solutions Inc.","date_received":"2021-02-21T23:01:23.000Z","state":"PA","company_public_response":"Company has responded to the consumer and the CFPB and chooses not to provide a public response","sub_issue":"Account status incorrect"},"highlight":{"complaint_what_happened":["Per the FDIC 5000 - Statements of Policy ; Open- and closed-end loans past due 90 <em>cumulative</em> days from the contractual due date should be classified Substandard. \n\nWhich the balance was paid before the account was reported as a charge off."]},"sort":[11.657392,"4155275"]},{"_index":"complaint-public-v1","_id":"2585186","_score":11.533693,"_source":{"product":"Checking or savings account","complaint_what_happened":"I opened an account on the basis that I would receive a {$500.00} bonus if meeting a XXXX cumulative deposit with 60 days with Wells Fargo. I met the terms and called about the bonus that was not received and was told that I do qualify for the bonus. A case was submitted by the employee per the phone call on XXXX/2017. On XXXX/2017 I received a letter stating that I am not eligible for the bonus.","date_sent_to_company":"2017-07-25T20:00:15.000Z","issue":"Opening an account","sub_product":"Checking account","zip_code":"554XX","tags":"Servicemember","has_narrative":true,"complaint_id":"2585186","timely":"Yes","company_response":"Closed with monetary relief","submitted_via":"Web","company":"WELLS FARGO & COMPANY","date_received":"2017-07-25T19:33:28.000Z","state":"MN","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":["I opened an account on the basis that I would receive a {$500.00} bonus if meeting a XXXX <em>cumulative</em> deposit with 60 days with Wells Fargo. I met the terms and called about the bonus that was not received and was told that I do qualify for the bonus. A case was submitted by the employee per the phone call on XXXX/2017. On XXXX/2017 I received a letter stating that I am not eligible for the bonus."]},"sort":[11.533693,"2585186"]}]},"aggregations":{"has_narrative":{"meta":{},"doc_count":881,"has_narrative":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":1,"key_as_string":"true","doc_count":881}]}},"product":{"doc_count":881,"product":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting or other personal consumer reports","doc_count":224,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Credit reporting","doc_count":219},{"key":"Other personal consumer report","doc_count":5}]}},{"key":"Checking or savings account","doc_count":183,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Checking account","doc_count":151},{"key":"Savings account","doc_count":19},{"key":"Other banking product or service","doc_count":11},{"key":"CD (Certificate of Deposit)","doc_count":2}]}},{"key":"Debt collection","doc_count":99,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"I do not know","doc_count":57},{"key":"Other debt","doc_count":12},{"key":"Credit card debt","doc_count":10},{"key":"Auto debt","doc_count":7},{"key":"Medical debt","doc_count":5},{"key":"Mortgage debt","doc_count":4},{"key":"Telecommunications debt","doc_count":3},{"key":"Private student loan debt","doc_count":1}]}},{"key":"Student loan","doc_count":77,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Federal student loan servicing","doc_count":61},{"key":"Non-federal student loan","doc_count":8},{"key":"Private student loan","doc_count":8}]}},{"key":"Mortgage","doc_count":75,"sub_product.raw":{"doc_count_error_upper_bound":0,"sum_other_doc_count":0,"buckets":[{"key":"Conventional home mortgage","doc_count":36},{"key":"FHA mortgage","doc_count":16},{"key":"VA 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