milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-12-2015 about Bank account or service (Other bank product/service) with NORTHERN TRUST COMPANY, THE (SC).
Issue: Account opening, closing, or management

Complaint: Subject : XXXX XXXX XXXX am the beneficiary of a trust an aunt established at the XXXX Florida. I received notice from the bank that " tax preparation and filingfees will increase to {$900.00} for the XXXX XXXX hours and {$300.00} for each additionalhour required. Most irrevocable trusts on extension will require more than XXXXhours. '' This caused me to review income versus fees for the past years. Thetax preparation fee for the past XXXX years has been {$320.00} ( my share ) per year. 
For XXXX 2013, I had income of {$5700.00}, while XXXX collected {$170.00} for a '' Investment Solutions fee '' each from Income Cash and Principal Cash, and $ XXXXXXXXfor " Account Mgmt Services Fee '' each from Income Cash and Principal Cash. 
Bottom line, while I received {$5700.00}, XXXX received a total of {$4300.00} infees PLUS {$650.00} for tax preparation. Am I the only one who thinks thisexcessiv? Also, with the increase in tax preparation cossts this year, XXXXfees almost equal my income from the fund. What avenues are open to me tocontest these fees?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Other

Complaint: I called Capital One Mastercard on about XXXX/XXXX/2015 to request an interest rate reduction and spoke with XXXX ( ID # XXXX ). Shortly thereafter, I received notification that our mailing address was changed. This was performed without our consent by " XXXX '' and after confirming with Capital One, our address in fact had stayed identical. 

As a result, their website refused to accommodate my request for a payment due date change, making it impossible for me to extend the due date of my {$4700.00} balance, because the statement closed the day after I attempted to do so online. 

Despite this egregious error, Capital One refused to correct the error and enable the date change on the website. Furthermore, they refused to extend the due date on my ~ {$4700.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 04-02-2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (UT).
Issue: Loan servicing, payments, escrow account

Complaint: Nationstar Mortgage breached our contract by ( 1 ) making tax payments when no escrow account existed, and ( 2 ) increased the monthly payment when the contract states this can not occur. ( see HUD-1 page XXXX ) Nationstar declined my request to remove the escrow account they applied after more than a year of no escrow ( see XXXX XXXX letter in attached Payment Docs ). 

Nationstar claims I owe them {$6900.00} for a tax payment in XXXX. Their employee XXXX XXXX confirmed my payment was received first and that Nationstar will receive a payment refund for being second payment made. ( see cashed checked in Payment Docs ) Nationstar has not accounted for a {$15000.00} Escrow payment made at closing ( see page XXXX of HUD-1 ). 

Nationstar did make the XXXX Tax Payment of {$6900.00} before me. My check was returned by the state ( see Payment Docs ). This means Nationstar still holds {$8400.00} of my escrow funds ( {$15000.00} - {$6900.00} ). 

Nationstar demonstrates gross accounting negligence with inconsistent monthly payments. Payments XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX {$62000.00} Yes, they billed me $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXXX/XX/XXXX $ XXXXThe attached resolution letter was provided by Nationstar to my initial compliant to the CFPB. They closed the dispute as resolved. 

I continue to make the contracted payment of {$1500.00} on-time each month. Nationstar claims I am over 49 days past due and have submitted my name to debt collections. 

In summary, I am seeking a return to no escrow and a {$1500.00} monthly payment as agreed upon in the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 05/26/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (NJ).
Issue: Loan modification,collection,foreclosure

Complaint: This is the 2ND REQUEST THIS YEAR and heard nothing back from my request on QWR from Wells Fargo. 
Their XXXX be dispute on accounting and servicing of my mortgage,. Which I am trying to get all the information I request in the letter. Knowing my home is trouble, I need to get this information I requested in the QWR ASAP. I understand that potential errors could have wrongfully resulted in one or all of the following : 1. Increased the amounts of my monthly payments ; 2. Increased the principal balance I owe ; 3. Increased my escrow payments ; 4. Increased the amounts applied and attributed toward interest on my account ; 5. Decreased the proper amounts applied and attributed toward principal on my account ; and/or 6. Assessed, charged, and/or collected fees, expenses, and other charges I am not legally obligated to pay under my mortgage, note, and/or deed of trust. So I really need this to be look into. 

I am also looking into what happen to settlement to help people who still has the Pick a Payment loan. I was offer no help from this settlement. Yet I am being told, Wells Fargo should had been able to offer something by now to help me out.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/14/2015 about Debt collection (Payday loan) with Cornerstone Mediation LLC (TX).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them XXXX. A man named XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Credit card () with CITIBANK, N.A. (CA).
Issue: Other fee

Complaint: I 've continued to have multiple issues with Citi and their XXXX Card. They charged me multiple fees for a glitch in their mobile app, then it took me nearly two months to even get a response regarding my complaint. The charges totaled {$120.00}. After continuing to get no assistance, I was finally able to speak to a person claiming to be a manager. She told me all of the charges would be reversed, however only {$75.00} was reversed, the other {$50.00} remained. Now I 'm having yet another, but different issue. I paid my bill in full with the understanding that the amount I was given {$1000.00}, would clear and close my account completely. Four days later they charged me {$19.00}. I understand how interest is charged, I 'm a XXXX for a local XXXX XXXX office. However, that charge should have been reflected or at least mentioned when I made the payment. Nowhere did it state any of this information so that I could completely pay it and be done with the continued issue of Citi being dishonest. I even contacted their customer services and was told there was nothing they or I could do and that I just had to pay it. They said there was no way to file a complaint or get the charge reversed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with U.S. BANCORP (TN).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: All of my personal identification have been stolen. Drivers license, social security card, birth certificate. All of my personal information have been changed with XXXX. A seven year fraud alert have been placed on my report. I 've spelled my name as XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX XXXX. XXXX is my maiden name. I was once married to XXXX. XXXX XXXX XXXX XXXX XXXX oldest child name is XXXX. XXXX XXXX XXXX XXXX His birthday isXX/XX/XXXX. My youngest child name is XXXX XXXX XXXX XXXX birthday is XX/XX/XXXX. He was born at XXXX XXXX in XXXX XXXX. He have a XXXX XXXX & he 's a XXXX XXXX. XXXX have been taken advantage of because of his XXXX, by the XXXX Family & others. The FBI told me to pull my credit report, because it 's an inside job. A monitoring service have been added to my report, to prevent me from pulling my report. I was also told to pull all of my tax returns. Because my date of birth have been changed, my employers have been changed. Social Security have written me a query with all of the EIN numbers of my former employers from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX I filed Bankruptcy. The property at XXXX XXXX XXXX XXXX had been refinanced by The XXXX XXXX inXX/XX/XXXX without my knowledge. A series of people was linked to me with U S Bank Mortgage. In XX/XX/XXXX someone reported a fraud XXXX XXXX to IRS. They used The Department of Labor FIN number was used. The property had been turned over to Tennessee Housing Development. The property was sold for {$18000.00}. Yet {$35000.00} was reported to IRS. XXXX XXXX XXXX reported to XXXX I owe for their service. I was no longer in the home. I was forced out of the home. I was n't involved with the selling of the home. XXXX XXXX XXXX and all of her children abused XXXX XXXX XXXX services. My late father social security number is being used. The late XXXX XXXX have been deceased since XXXX. My mother social security number is being used, she has been deceased since XXXX. XXXX XXXX XXXX is my mother 's name. I reported this to XXXX XXXX XXXX years ago. At the time I did n't know my credit report had been tampered with, in the way that it have been.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2015 about Debt collection (Payday loan) with Rubin & Yates, LLC (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX I received a call for a debt from 2012.The message left threatened to have me " detained '' at my place of employment or at home if I did not pay up today charging me with wire fraud.. They charged me to legal and process server fees and I paid the entire amount over the phone with my debit card. XXXX my mistake ) It cleared my bank. On XXXX XXXX, they charged my account again for the same amount, even though I have a receipt showing paid in full. When I called and explained the issue, they put me on hold for over XXXX minutes and did not come back. When I called again, no answer. I filed a fraudulent use of debit/credit card with my bank. This company violates all collection processes and regulations, first by the tactics, and voice mails and then by using your CC for further gain.

Company response to consumer: Untimely response
Consumer complaint received 11/19/2015 about Bank account or service (Other bank product/service) with FIFTH THIRD FINANCIAL CORPORATION (KY).
Issue: Making/receiving payments, sending money

Complaint: my sister bought a cashier check to pay me for a car I was selling my nephew. she obtained it from 5th 3rd at XXXX branch in XXXX.ky. they issued her a check on white plain paper. I took check to my bank and they refused to cash because the check was not on proper blue check paper. I then took to 5th 3rd XXXX branch and they also refused to cash. my sister called XXXX branch next day and was told they were out of blue paper but it was ok and to have XXXX branch called them when I went back to bank. id, we did, was told they were out of blue check paper for 3 days but all info was on the white paper-which was still uncashable. the XXXX branch manager was very helpful and I was issued a new check the next week.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/16/2015 about Consumer Loan (Installment loan) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Managing the loan or lease

Complaint: RE : Capital One ( Secured Credit Card ) Account # ****************I received a letter around XXXX XXXX 2015 stating that my account was signifigantly pass due and that I should contact a representatuve ASAP. On XXXX XXXX I did so and the representative stated to me that I could pay the minimum balance of {$15.00} to keep my account from closing and out of collections. On XXXX XXXX 2015 I made a payment of {$15.00} and subsequently made payments of {$8.00} on XXXX/XXXX/15, {$18.00} on XXXX/XXXX/15, and {$5.00} on XXXX/XXXX/15 exceeding my minimum balance requirement of XXXX for XXXX. After making an {$89.00} payment on XXXX/XXXX/15 I spoke with Capital One customer service to check the status of my account and was informed that it had been closed and that I owed a balance of {$93.00}. I was told that my the {$190.00} security deposit had had been applied to my balance along with my membership fee of {$29.00}. I was told my account was closed on XXXX/XXXX/15. It was closed over a balance of {$100.00}, the original rep did not inform that to keep my account from being closed it would be {$100.00} or I would 've paid that amount I only paid {$15.00} because I was told that it was sufficient by a Capital One Rep. Now my account has been closed and Capital one has taken my deposit and never sent me anything in writing about my account closing or the other {$100.00} I added toward my security deposit which is the reason my account has a credit limit of {$300.00}, instead I still owe them owe them {$93.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 07-05-2016 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I get the wrong birthday with Experian credit report. I already contact them and still issue not resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08-05-2016 about Student loan (Federal student loan servicing) with Riverwalk Financial CORPORATION (VA).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Riverwalk Debt Solutions told me that they would be able to consolidate my federal loans and my payments would be based on my income. I just got off the phone with XXXX based in XXXX, and they informed me that they would not work with Riverwalk and that they were still going to collect payments from me for my federal loans, even after a representative from Riverwalk told me that I would have payments based on income and that they would ensure that I would be forgiven for the rest of my federal loans after 10 years. They also collected approximately {$600.00} to do this service. Now they are not returning my emails after they emailed me and they will not refund my money because I initialed the initial documents after being misled and given false information. Please contact me. 

I recently participated in an 8 month XXXX program for an XXXX XXXX and related issues and XXXX in XXXX 2016. I have a job lined up for the fall but I wo n't get paid for that until XXXX. I am depending on family and friends for financial support so this is a serious and urgent matter. I believe Riverwalk was very deceptive and that they misinformed me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL).
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint: Transunion ALLOWED XXXX to do a HARD PULL on my credit. See proof that their " collections '' was removed from my credit. AND yet they allow a HARD PULL!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with DISCOVER BANK (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: DISCOVER did n't replying in a timely manner to my letters, or have they to date after  4  certified, mail request, they have not only violated federal law, but they have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately.     I made numerous goodwill attempt to have them clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in there reporting.   I kept a careful record of my communications with them for the purpose of filing a complaint with the FTC and the Attorney Generals office, they still continued non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind them that th ey may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As they have violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, they must now remove the item. Any other action ( o r in-action ) on their behalf has resulted in a small claims action against their company in  XXXX   XXXX .     As well they did not place on my credit report that I was disputing the account until just after the lawsuit was filed last month.     I also am have a pending lawsuit against  XXXX ,  XXXX   &   XXXX  for not investigating nor responding to me as well, and taking no action when  Discover  did not reply.     I tried to sue already but I had put the wrong reason I was suing on court documents so I have a new pending litagation

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/29/2016 about Credit reporting () with EQUIFAX, INC. (NY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is showing a hard credit inquiry by XXXX between XXXX XXXX, 2016 and XXXX XXXX, 2016. I did not authorize this inquiry and have no knowledge of what XXXX is or who initiated the inquiry. I suspect identity theft, as I already have a notation with the credit bureaus regarding this which was originally caught by my credit card company earlier this year. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 01/19/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with WELLS FARGO & COMPANY (FL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: Wells Fargo is still doing deceptive banking in 2018 On XX/XX/XXXX 2018 I applied for a Wells Fargo credit card. I was approved and 5 days later ( before ) I even activated the card they WITHOUT AUTHORIZATION did a balance transfer to that card and charged me a fee of {$180.00}. I never authorized this I only applied for a new credit card at their bank. Within the cc application they asked two questions which had to be answered to move the application forward : What is your interest in applying for a Wells Fargo Card : I said, I might be interested in a balance transfer What account would you do the balance transfer for : I tried to leave it blank but the application would not go through. I tried to use a catch all phrase like a " a XXXX XXXX account ''. Again the application would not go forward. You had to give Wells Fargo an Account number for the application. Three days later they did a banking transaction to the account number forced in my application without my permission. Then they charged me a fee of {$180.00} dollars to do it. Wells Fargo is still doing their deceptive banking tactics!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 10-11-2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (FL).
Issue: Trouble during payment process

Complaint: Having been trying to get PMI - Private Mortgage Insurance removed from our mortgage. Due to a cumbersome bank process, changing their criteria, and intimidation from PNC ( letter attached ), we felt we needed to contact someone to make sure this process is compliant with current regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 09-11-2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: The account listed as an open collections account listed under XXXX AD in the amount of {$860.00} is incorrect. This account should have never been placed in collections to start with. Also, it was disputed in XX/XX/XXXX 2014 and to be removed at that time. As you can clearly see from the attached documentation, I do not, nor have I ever owed this money. My health insurance plan at the time offered a {$1000.00} PPO discount with XXXX XXXX XXXX XXXX original creditor ). This left me a balance of {$320.00}. I was told XXXX that I only needed to pay {$300.00}. My cancelled check is attached as well. Please remove this account from my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2017 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I have an account with Coinbase.com for buying and selling Bitcoin. My main concern is that I initiated a wire transfer to Coinbase.com and after 9 days, my account still shows 2 messages Not Verified and Transfer Pending. I am very concerned since Coinbase states wire transfers are completed the next business day. Also, I am alarmed that this is not an isolated case after reading through their support forum.
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On the morning of Thursday  XXXX   XXXX  2017, I initiated a wire transfer in the amount of {$11000.00} from my personal checking account to my Coinbase.com account based on the explicit wire transfer instructions ( see attached ) provided by Coinbase. Coinbase support forum state wire transfers are completed by next business day. Next business day was Friday   XXXX    XXXX  2017. I opened a support case with Coinbase on  XXXX   XXXX , 2017   XXXX   ( see attached ). The only response I have received to date is Coinbase deleting any of my additional submitted cases which is very frustrating since they dont have time to process my wire transfer but can delete duplicate cases. Furthermore, the wire transfer instructions are still available which indicates to me they are not warning customers that wire transfers are an issue. At best, they are running a business with extremely poor customer service and at worse they are committing fraud in my opinion. There is no other way to contact Coinbase support to resolve my issue.

Company response to consumer: Closed with explanation