milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08/26/2015 about Bank account or service (Savings account) with CITIZENS FINANCIAL GROUP, INC. (MA).
Issue: Account opening, closing, or management

Complaint: I opened an account with Citizens Bank XX/XX/XXXX with {$5000.00}, explaining that I wanted an interest-bearing account but did not intend to draw on the account at all. I was told that a " Money Market Account '' was appropriate and that, to avoid the imposition of fees, I should arrange to have my monthly statements emailed rather than sent via regular mail. I completed the paperwork and subsequently received statements by email, although I did not review them carefully because I knew I had not made any withdrawals ( or deposits ) to the account and expected the balance to remain stable. XX/XX/XXXX I received XXXX letters by regular mail from Citizens Bank advising that an " inactive account processing fee '' of {$50.00} would be assessed and the account funds transferred to the XXXX of XXXX based upon " unclaimed property law. '' I brought the letters to my local branch ( the same one where I had opened the account ) on XX/XX/XXXX. I was told, in essence, that my account balance was approximately {$4200.00}, having been assessed " relationship fees '' of $ XXXX/month and " inactive account fees '' of $ XXXX/month since the account was opened. When I spoke with the manager, he credited my account only XXXX months ' worth of fees ( {$67.00} ) and blamed me for not having read my statements more carefully. I closed the account immediately and was handed a check for {$4200.00}. On XX/XX/XXXX I sent a letter of complaint to the Chairman and CEO of Citizens Bank in XXXX, XXXX requesting a refund of the {$720.00} in " fees '' taken from my account along with the interest I should have earned on my {$5000.00} deposit for 3 1/2 years. I received a voice mail message from " XXXX in the Office of the Chairman '' on XX/XX/XXXX. I returned her call on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX leaving voice mail messages each time. She finally called me back the afternoon of XX/XX/XXXX and advised me that the very most she could rebate me was {$240.00} ( XXXX months of " relationship fees '' and XXXX months of " inactive account fees '' ) and that she would have to re-open my account to do so. She also informed me that this was my only option to obtain redress, and that this was the " highest level '' at XXXX to which my complaint could be brought. I received a call today ( XX/XX/XXXX ) from " XXXX in the Office of the Chairman '' to advise that the check for {$240.00} was on its way, my account had been closed according to my instructions and she " just wanted me to know the outcome. '' Unfortunately, I know the outcome all too well -- I am still out nearly {$500.00} in " relationship '' fees that Citizens Bank can not possibly justify.

Company response to consumer: Closed with monetary relief
Consumer complaint received 07/15/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Billing disputes

Complaint: On XX/XX/2015 I contacted Capital One credit card company to get a full pay off balance on my accounts and to close the accounts.They gave me a full pay off balance which I knew to be double the amount owed.Against my better judgment I payed off the accounts approximetly $ 2300.00.within 14 days I received a refound of {$510.00} I promptly contavted them they assured me I was owed the refund.I cashed the check and within 14 days received a letter from them stating I owed them {$510.00} due to an error in their record keeping.I called them and contacted them in writng telling them wht they were attempting to do was fraudulent and they could be held liable, and they responded by laughing and mocking me.I fully understand credit card companies feel they are above the law and maybe they are but this is not rite.accounts were ending in # XXXX and XXXX.Please help.this cant be legal.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: EXPERIANS UPLOAD SYSTEM DOES NOT FUNCTION.THEY REQUIRE TIFF OR PDF IM ATTACHING BOTH INVESTIGATION DOCUMENTS IN BOTH FORMATS

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 01/17/2018 about Debt collection (Medical debt) with TENET HEALTHCARE CORPORATION (FL).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Ive made one attempt to dispute my debt, due to financial strain. I was informed that only one of my bills could be lowered and the other would stay the same and would need to be paid immediately. I was told that if I am unable to pay immediately the chance of getting my bill lowered to the same price would be unlikely. Im unfortunately still finincial unstable and paying those prices upfront isnt possible for me at this time. I would appreciate it if my bills were lowered and/or forgiven.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with U.S. BANCORP (AZ).
Issue: Loan servicing, payments, escrow account

Complaint: Mortgage loan # XXXX We opened a mortgage loan with USBank on XXXX 2016. It was a very long process over 90 days ... the appraiser was not knowledgeable and was being sanctioned by the state for his mistakes ; we provided supporting docs to the local branch and requested a new appraisal and appraiser ; still they did n't do anything. It took so long that the builder even issued a cure notice and we were close to loose a large down payment thank to this bank inefficiency. It was a construction loan and our downpayment was over 20 % of the appraisal value and I did n't want to include the escrow on the payment. The loan officer at the local US Bank branch XXXX XXXX told me that he checked with their construction department and based on the fact that we were doing a construction loan they were not able to waive escrow at the time of the closing but he said I could request to remove escrow after the construction switched to a regular jumbo loan, he said a year after closing- all communication with the loan officer was via email so I have this in written. We closed in XXXX 2016 and I recently called the bank to request them to remove escrow since it seems that their is an escrow shortage for taxes and my insurance company cancelled the policy due to non payment. I received a notice of cancellation letter from XXXX for my policy XXXX on XXXX. I believe US Bank is not handling the escrow account properly and I called the bank to request the escrow to be waived. I was told by the beginning of XXXX that in order to remove escrow I had to pay the escrow shortage which is far enough and I understand but they are on top requesting a 1.5 % of the unpaid principal balance to remove the taxes and insurance from the escrow and 1.25 % to remove just taxes. Today XXXX/XXXX/16 XXXX I called again and spoke to a senior rep with US Bank customer service XXXX who had that kind of an attitude " i know all '' and spoke over me a few times and she said that the escrow waiver fee was 1.25 % either if I wanted to remove taxes and insurance or just taxes ; how frustrating is to get contradicting information. I requested the first time I called in XXXX 2016 a copy of any escrow agreement I might have signed at the time of closing where I agree to pay a fee if the escrow was removed. I did not get anything and today I requested it again. Today I was told there was not such document ; again contradicting information.Any of my closing docs show anything about me agreeing too pay an escrow waiver fee to remove escrow.

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 10/26/2016 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (MS).
Issue: Problems caused by my funds being low

Complaint: My Regions account ending on Saturday, XXXX XXXX, 2016 balance on the account ledger was XXXX $ ( from transactions made across the day ). Monday, the account ledger showed the same. Tuesday, XXXX XXXX, 2016, a NSF overdraft fee in the amount of XXXX was posted to my account. This NSF fee is what caused my account to be negative in the first place. The bank states that a pending transaction placed a hold on my account on Monday, XXXX XXXX caused all of my transactions from the weekend to be negative although this charge did not show on my account ledger and money to cover all charges was present in my account. The abovementioned charge was not visible on my account ledger and once it posted, it also caused a NSF. This is ridiculous ; banks use " posting '' order to justify charging NSF overdraft fees. I spoke with a manager at the bank ; she refused to return the NSF courtesy fees. As a result of their posting order shenanigans, I have been charged a total of near XXXX $ in NSF fees.

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 01-07-2018 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (CO).
Issue: Confusing or misleading advertising or marketing

Complaint: i deposited nearly {$40.00} into coinbase, tried 6 different times to submit an identity document so i could pull my money back out after deciding it was too sketchy, after getting my identity document finally approved after two months, i cant pull my money out of my account due to buggy websites, site delays, constant maintenance, and over all terrible costumer service. ive done a lot of research and seen many other people experiencing the same problems

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with WELLS FARGO & COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been having a very difficult time with Wells Fargo. I have recently been declined for a modification for " having to many modifications '' This incorrect and almost fraudulent excuse by Wells Fargo. The problem and confusion I am having with Wells Fargo started in XX/XX/2014 At that time Wells Fargo offered me a modification with a ballon payment. Before this Wells Fargo told me to contact Keep Your Home California which I did, and was working on getting approved for that program. I got approved by XXXX and told Wells Fargo the modification with the ballon payment was not a good deal and declined it. Because of the XXXX program I was now current and making payments. All was good. 

Unfortunately months later, because of the economy, I had a loss of income. I became late again on my mortgage. I struggled though this and am now over my hardship and working full time. I have a very strong and stable job and can afford my mortgage. 

I have applied twice for a modification and have been declined by Wells Fargo. Declined for " having to many modifications ''. So the modification I declined in XX/XX/2014 in now being forced on me and used against me so Wells Fargo can foreclose on me. The one chance I have save my house in now gone because Wells Fargo has committed fraud and is completely dysfunctional. Wells Fargo is saying they gave me a modification which they did not. I did not sign any documents for an approved modification. I did not make any payments on the modification. I did n't have to because I was approve for XXXX and became current. Wells Fargo has completely failed, I can not get them to address this mistake or have any interest in helping me resolve this.

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 02/19/2017 about Credit reporting () with EQUIFAX, INC. (CT).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I am unable to access my equifax credit report. I have been denied credit because of the inability to pull the credit report. I am applying for a mortgage and can not gain access to my report. I have called numerous times to no avail. I filed a complaint here an it was fixed for approximately a week, then again reverted to not being accessible. I have purchased there product to protect my credit. They continue to charge my account {$19.00} even though I am unable to access my reports. This needs to be rectified, so I can access my report for a home purchase. I was not even able to access their reply to my first complaint. I need a call from the executive office to explain why this continues to occur. It is an error on their part with their software. I plan to hire an attorney if this is not corrected permanently. I am aware of multiple other people with the same problem and believe a class action law suit would be in order. This must be fixed.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CAPITAL ONE FINANCIAL CORPORATION (IL).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Capital One sent my credit card statements to my old office despite the fact that I sent them a change of address showing my new office suite number. 
I got a call from their collection Department after several months and I explained what happened. They reversed the late charges and penalties, but reported my account to the credit agencies as delinquent and in collection. My credit score has been significantly lowered and Capital One refuses to correct the information they gave the credit agencies. ( see attachments )

Company response to consumer: Closed with explanation
Consumer complaint received 03-04-2018 about Debt collection (Credit card debt) with CITIBANK, N.A. (CO).
Issue: False statements or representation
Sub-issue: Told you not to respond to a lawsuit they filed against you

Complaint: XX/XX/XXXX Motion for Judgement

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 11/20/2017 about Checking or savings account (Checking account) with SANTANDER BANK, NATIONAL ASSOCIATION (NY).
Issue: Closing an account
Sub-issue: Can't close your account

Complaint: I closed a personal checking account held at what is now Santander Bank on XX/XX/XXXX. The bank has it closed as of XX/XX/XXXX. Regardless they still send me Statements, which show a XXXX balance. I tried on a number of occasions to correct this problem, get them to acknowledge that the account is closed and to stop getting the statement, both at the branch and with the Company headquarters. 

The latest attempt was on XX/XX/XXXX, where XXXX XXXX XXXX provided me with a letter on Santander letterhead, stating that I do 'not hold any open consumer deposit at Santander Bank NA '. He advised that I would not get any additional mailing from the company after XX/XX/XXXX. 

XXXX XXXX is a Santander Personal Banker at XXXX XXXX XXXX XXXX, XXXX NY XXXX Branch ( XXXX ) XXXX. 

Recently I received a 'Statement Period XX/XX/XXXX-XX/XX/XXXX Santander Value Checking statement '. It shows a XXXX dollar balance and below that in the section 'Important Notice ' it states 'We may begin charging an Inactivity Fee '. 

Kindly assist me in getting this account shut down and ensuring that Santander stops mailing statements to me. 

Thank you for your assistance.

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 09-09-2016 about Credit card () with DISCOVER BANK (NC).
Issue: Rewards

Complaint: Discover ran XXXX concurrent promotions in XX/XX/XXXX, including a Double Cashback Bonus Promotion ( wherein all cashback earned is doubled for 12 months after enrollment ) and an XXXX XXXX % Cashback Promotion ( wherein through XXXX XXXX, XXXX, you 'll earn an extra XXXX % Cashback Bonus ( R ) on up to {$10000.00} in purchases when you shop in stores and use your Discover card with XXXX ). I enrolled in both promotions with my XXXX Discover Card accounts ( XXXX ending in XXXX, another ending in XXXX ). To date, Discover has failed to pay {$1400.00} in cashback bonus that I earned during the promotion. 

Between XXXX XXXX, XXXX and XXXX XXXX, XXXX I made XXXX different XXXX purchases at XXXX and XXXX 's using my XXXX Discover Cards totaling {$7400.00} ( receipts attached in this complaint ). Discover sent me emails suggesting these purchases did not qualify for the promotion because they contained gift cards. As requested by Discover, I sent documentation on XXXX XXXX, XXXX proving the items I purchased are not gift cards. I 've repeatedly requested that Discover pay the cash back bonus on the {$7400.00} in XXXX purchases but they have been non-responsive ( this includes, but is not limited to : an email on XXXX XXXX, XXXX, a call placed on XXXX XXXX, XXXX where I spoke with XXXX in XXXX, a call placed on XXXX XXXX, XXXX where I spoke to XXXX in XXXX ). 

Discover will claim that these purchases contain " gift cards '' and therefore do not qualify. However, this is problematic for XXXX reasons : ( 1 ) Discover did not initially claim that certain purchases would be ineligible for the promotion, and ( 2 ) an examination of my receipts will show that I did not purchase products that are sold or marketed as gift cards. 

It is bad faith on Discover 's part to run these promotions and not honor them. As a result of the promotions, I made my XXXX Discover Cards my primary credit cards for my purchases ( winning my business from other financial institutions ), and referred friends and family to sign up for Discover 's credit cards ( winning new customers ). They earned my business and the business of friends and family as a direct result of these promotions. Their marketing efforts were successful, perhaps too successful, and that is why they are attempting to avoid paying out the cash back I earned on these purchases. They have failed to fully honor the promotions. 

I 'm requesting payment of {$1400.00} in cashback bonus for the receipts attached in the complaint. 

XXXX purchases that have not been paid cash back bonus ( including XXXX % for XXXX, and doubled, per the XXXX concurrent promotions ) : Location Amount Date XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$470.00} XXXX/XXXX/XXXX XXXX {$450.00} XXXX/XXXX/XXXX XXXX {$1000.00} XXXX/XXXX/XXXX XXXX {$1400.00} XXXX/XXXX/XXXX XXXX {$1500.00} XXXX/XXXX/XXXX XXXX {$2000.00} XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 11-06-2017 about Student loan (Private student loan) with Navient Solutions, LLC. (SC).
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint: In early XXXX, I settled several Navient loans, through collections agency XXXX XXXX XXXX, for {$2000.00}. To date, that settlement is not reflected by my Navient account, though the company does acknowledge receiving the money. Rather than applying the money to the settlement, as agreed, Navient has applied the money to outstanding interest. 

The company claims that it has not been notified that the money was intended to settle the private loans, despite the money coming from its collection agency. XXXX did not provide me with a settlement agreement in writing, though a XXXX XXXX spoke with today is allegedly working on providing a receipt so that I can provide the receipt to Navient. This should not be my responsibility. 

I would like to see this money applied to its agreed-upon purpose as soon as possible, and my account updated.

Company response to consumer: Closed with explanation
Consumer complaint received 09-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax provided inadequate protection of my personal data including social security number, name, address, and birthday. As a result, this information was stolen. Equifax delayed notifying me in writing ( still has n't ). Their incompetence has greatly increased my risk of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 07/26/2015 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (SC).
Issue: Other

Complaint: A credit card with Capital One appeared on my credit reports. I have repeatedly disputed the account because the account was created fraudulently. I have sent denial letters and verification letters to Capital One requesting information as it relates to the account. I have asked for copies of statements, copies of applications, and any every bit of supporting document available. Capital One does not send me the information. I have instead been sent several letters that simply say the account was charged off and sold.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My name is XXXX XXXX XXXX and I was getting prepared to purchase a home. The lender pulled my credit report and Experian has someone else 's information on my credit report. I have disputed the items including accounts, names, and addresses and some have been removed but some items are still listed. They are listing several open student loans when there should only be one open student loan that I consolidated. The remaining loans are the other person 's as well. This upsets me because I am very credit worthy and this is n't fair. Experian is the only credit reporting agency that has this incorrect information. I am sending pages of my credit report showing the incorrect accounts that I disputed with them and have yet to be removed. As of today 's date they are still reporting. The most frustrating part is I had to send them proof of my identity and they still did not confirm the information. The other person has the same first name but NOT last name. Also I believe the other person 's social may be very close to mine but that is no excuse for Experian not to be thorough in their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief