milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 11/29/2017 about Checking or savings account (Checking account) with CITIBANK, N.A. (MN).
Issue: Managing an account
Sub-issue: Fee problem

Complaint: I have a checking/savings account with Citibank, among other Citi services. I originally had a product called Ultimate Savings Account with the accompanying checking account and had these accounts for nine years. With these accounts I received free ATM reimbursements, free wire, ACH transfers. It was a fee free checking account. Appx a year ago I was bumped, without my consent, into Citigold, Citi 's premium tier for high deposit amounts. I did n't want this service as it required me to maintain a high balance with Citi at essentially no/nominal interest. When I called Citi to tell them I wanted the account products I had for years back, they moved me to the Citibank Account Package product which still requires a {$10000.00} min balance. I recently found out this is totally different than my original services. I have been charged several ATM fees. I was recently charged {$15.00} to wire a {$25000.00} *intoXXXX my Citibank checking account. This is completely abusive and I never agreed to these terms. In total I have been charged {$55.00} in fees which should have never applied with {$4.00} ATM fees and a {$15.00} wire transfer fee in the last week. I have contacted Citibank, but, of course, their customer service has not done anything to rectify this situation. 

This seems to be a systemic issue in which XXXXiti moves their high balance customers into Citigold, without their consent ( I never signed or approved anything ) which allows Citi to essentially trap customers into allowing Citi to hold substantial amounts of funds at no/nominal interest. If you tell Citi you do not want this service, they put you into a check product that has a fee for every action ( and amazingly still requires a {$10000.00} balance ).

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 06/22/2017 about Mortgage (Conventional home mortgage) with PNC Bank N.A. (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: PNC Mortgage refused to refinance but before confirmed that everything was ok and ready to do it, no returning my calls and emails ... .just sent me a letter that was denied because the application was incomplete. I faxed and mail several information requested, statements, contracts, bills copy, taxes. They offer to lower the int rate and make spend money in apprais al ( {$580.00} ) ap praissal was {$600000.00} loan was less than {$190000.00}.   Please see documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 08/13/2015 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX hospital placed a false report of collection on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 12-12-2015 about Credit card () with FIFTH THIRD FINANCIAL CORPORATION (NC).
Issue: Billing statement

Complaint: I have a credit card with Fifth Third bank. On XXXX/XXXX/2015 I was billed XXXX for next years annual fee. I received the bill on XXXX/XXXX/2015 and called the customer service line at XXXX and told them that I wanted to cancelled card as I did not want to pay a XXXX annual fee for a credit card. They closed the account but are refusing to reverse the unauthorized annual fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06/29/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (NJ).
Issue: Struggling to pay mortgage

Complaint: For one year I have requested information and answers only to be talked down to, humiliated, degraded, and then told that the office of the president at Wells Fargo no longer handles assisting borrowers with saving there homes, the modification process and financials you would need to contact a different department. My question is, why for the 1 year that I asked for a modification package, short sale or deed in lieu package was I NEVER TOLD THEY DIDNT HANDLE until after the fact. Maybe if I knew this I would have sent the information in 8 months ago, maybe if I was told not to worry about the foreclosure because I was working with the XXXX I would have gotten ahold of someone else way back when. It was n't only about the other issues It has always been about saving my house!. XXXX states well I told you in my last letter we did n't handle it and where to fax, really you just got involved, what about the last person for 8 months that said nothing! I am sorry what have I been doing for one year, you wait until its in the last legs of foreclosure to say oh hey we do n't do that here. Wells Fargo and its employees have no empathy, no compassion and sadly make excuses and blame the borrower, they will continue to skirt around the issues and make homeowners continue to lose there homes. I am uploading the same financial package I have faxed over to Wells Fargo hoping it gets in the hands of someone who wants to help people. The rep 's do n't know our stories nor our situations, so passing judgement and making a person feel worse then they already do about there situation is sad. Also, for the title issue, its not resolved. Nor is anything else.

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 02-11-2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: Please investigate FRAUD by credit reporting bureaus. I ran my XXXX bureau credit with Equifax ; my banker ran my credit with their XXXX bureau credit system on the same day. The systems are not reporting the same information to the consumer that is reported to the banks. For mine, there is a huge difference between the scores yet XXXX reports are based on the same information. The bank 's scores are MUCH lower which will affect my mortgage rate. Please investigate and respond to me to learn why the consumer-facing systems do not match bank-facing systems. Are the XXXX bureau credit check committing fraud with consumers? Attaching XXXX reports summarized as : Bank 's Equifax XXXX ... XXXX points lower than my XXXX bureau report Bank 's XXXX XXXX .... XXXX points lower than my XXXX bureau report Bank 's XXXX XXXX .... XXXX points lower than my XXXX bureau report

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2015 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (VA).
Issue: Identity theft / Fraud / Embezzlement

Complaint: Continuous fraudulent charges have been on my XXXX credit card for a total of {$570.00} ( See attachment XXXX ). The charges have been happening since XXXX 2013 and have been carried out by XXXX companies, XXXX XXXX and XXXX XXXX, which are associated with the XXXX XXXX XXXX XXXX XXXX conglomerate. Bank of America desestimated my claim.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10/17/2017 about Debt collection (Medical debt) with CMRE Financial Services, Inc. (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint: On XXXX XXXX, XXXX I went to XXXX XXXX XXXX XXXX XXXX XXXX. As I always do when checking in I tell the person at the desk that I can only see doctors that are in network with my insurance. They had me on a stretcher in the hallway and a doctor walked up to me and introduced himself as XXXX XXXX. I asked if he was in network with my insurance, XXXX XXXX, he told me no so I refused to be seen by him. I called the number on the invoice that I received from his office and explained that he did not treat me as I had refused treatment. I assumed it was over and they had adjusted their records. About 7 months later I start receiving phone calls from XXXX debt XXXX. I attempted to explain the situation several different times and was greeted with condescending remarks and threats of jail. I was screamed at, cursed at, threatened and harassed repeatedly. To this day I still receive phone calls which I do not answer. This has caused me severe anxiety for which I have had to start seeing a XXXX and get put on medicine. I pray that you can do something to help me and to prevent them from mistreating other people in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 12/26/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (FL).
Issue: Money was not available when promised

Complaint: I 've made a wire transfer with the amount of {$35000.00} XXXX from my bank account to a cryptocurrency exchange XXXX and my deposit was not posted on their website or returned to my bank account as promised. I made the transfer on the XXXX of XXXX XXXX. They said it would take XXXX business day on their website for the deposit to be posted. XXXX days later I opened a support ticket on their website since the deposit have n't posted yet, after XXXX  days they email me back with an general reply that my deposit would either be posted in XXXX business days or will be return within XXXX business days to my originated bank account if there is a problem. Since it 's the XXXX of XXXX XXXX, XXXX business days without any reply from them. Please help me out since I ca n't even reach anyone on their support team both by phone or by email. 
Transfer amount : {$35000.00} Wire tracking Number : XXXX My email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/22/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (MA).
Issue: Taking out the loan or lease

Complaint: I just spoke with your customer service who told me to refile this claim as it was determined you can assist me in my case. My fiance purchased a vehicle and this auto loan was financed through Santander Consumer USA in XXXX, TX at 21 % interest. In Massachusetts, it was confirmed by the Attorney General 's office that this is against state law and the usury department at the Attorney General 's office confirmed that the bank DID NOT register or seek approval in advance to write loans exceeding the state cap of 20 %. They are willing to put this in writing. We contacted Santander Consumer USA and they declined taking the vehicle back, voiding the loan and refunding what we have paid. According to state law, the loan is invalid and needs to be negated by a supreme court judge. The legal department had advised Santander Customer service to cease and desist collection practices as of XXXX/XXXX/16, but they could not tell us why. I have full authorization to speak on behalf of my fiance on the auto loan. We have been passed in circles from Attorney General 's office, Consumer Protection Agency, Usury Department of the Attorney General 's office, now to the Division of banks, which then passed us back to your office. Everyone is in agreement that this loan should be null and void, yet no one will assist us past that point. We have made numerous attempts to find an attorney on a contingency fee basis, but we have hit a dead end. We give them basic information, they claim they think they can help us then never return our calls. This bank just settled a lawsuit filed by the Massachusetts Attorney General for predatory lending practices ( charging higher than the state cap ) but since that case was settled, we are basically left scrambling to obtain assistance until they receive enough similar cases to proceed with a new case. We need to stop being referred in circles and actually obtain assistance. We were told by XXXX separate agencies that your bureau oversees Santander bank. The only documents we have are from the bank denying our request as mentioned above. The attorney general 's office is in the process of mailing the document stating they did not register with the AGO to write loans exceeding 20 %. Which is why our loan should be considered null and void.

Company response to consumer: Closed with explanation
Consumer complaint received 06-09-2016 about Bank account or service (Checking account) with CITIBANK, N.A. (NY).
Issue: Account opening, closing, or management

Complaint: My husband and I opened a promotional checking accounts and credit card accounts with Citibank. With us following specific requirements laid out by Citibank, if followed, we would receive XXXX XXXX XXXX miles which would be credited to our XXXX XXXX rewards accounts. We completed the requirements and have written confirmation from Citibank that we were to receive the XXXX miles on XXXX XXXX, XXXX, 90 days after our completion of their requirements. This email from Citibank was dated XXXX/XXXX/XXXX which acknowledges this. The email from XXXX XXXX XXXX from Citibank states " I can confirm that you satisfied the requirements for our promotion code to earn the bonus XXXX AAdvantage miles. '' I have attached all correspondence for your reference. On XXXX XXXX, XXXX, after we inquired as to why our miles had not posted to our XXXX XXXX miles account, Citibank sent correspondence saying that they have " determined that you are not eligible for the promotional incentives. '' This is after they have charged us their servicing fees and advised us in writing that we would receive them. I am attaching all the documentation and correspondence to this complaint. 

We have place several calls and lodged several complaints with Citibank internally, the latest being Monday, XXXX XXXX in which we are still waiting for a call back. The manager escalating this within Citibank ( XXXX in the Kentucky office ) will not give us a contact number to reach out to him for follow up, nor will he allow us to fax or email the correspondence Citibank sent to us in order to expedite the process. At this point, it seems we have hit a wall with Citibank 's lack of response and have no recourse but to formally complain through the CFPB. A satisfactory resolution would be for Citibank to give my husband his XXXX XXXX miles and myself my XXXX which Citibank promised back in XXXX of XXXX and XXXX of XXXX. Citibank expected us to honor our commitments to them, it seems only fitting that Citibank honors the commitments they made to us.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-02-2015 about Debt collection (I do not know) with Credit Protection Association, L.P. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I received calls two days in a row from XXXX, claiming that I owed $ XXXX for two unnamed items. I waited for an operator to come on line. I then explained that I had no such bill. She apologized and said they would remove my name. Identical recorded message both days. Both days I threatened to contact authorities. She hung up.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 12/14/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: I HAVE DEBT ON MY CREDIT REPORT FROM WELLS FARGO STATING THAT I OWE THEM {$270.00}. THE PAYMENT STATUS IS CHARGE OFF.HOW CAN THEY CHARGE OFF SOMETHING I NEVER KNEW I HAD WITH THEM. I HAVE HAD AN CHECKING ACCOUNT WITH THEM AROUND THE SAME TIME. IM UNSURE OF WHAT TO DO AT THIS TIME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/31/2015 about Bank account or service (Checking account) with TD BANK US HOLDING COMPANY (FL).
Issue: Account opening, closing, or management

Complaint: In XX/XX/XXXX I spoke with a representative of TD Bank after receiving a statement that an account I no longer used was incurring overdraft and maintenance fees. I told the representative that I no longer used the account and that it should have been closed for inactivatiy. The representative I had believed reversed the fees and closed the accouterments but I found out on XX/XX/XXXX that TD bank sent these accounts to their collection department and XXXX. I owe them no fees as I did n't use the account after XX/XX/XXXX. Called on XX/XX/XXXX spoke to representative name XXXX XXXX and she kept referring me to call a branch even after explaining they could n't help cause they would n't give account information over the phone.

Company response to consumer: Closed with monetary relief
Consumer complaint received 02/25/2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (DC).
Issue: Account opening, closing, or management

Complaint: On XX/XX/2017, I was suppose to receive payment for services rendered from my place of work. I attempted to check my account and to my surprise, I was locked out. I then called BoA ( Bank of America ) and spoke with customer service. I was n't satisfied with the outcome of my call as it was a complete waste of time because I was completely disregarded- I was on the phone for 5 hours trying to resolve the matter but accomplished no progress or answers. I then went to the Branch in XXXX, Maryland and spoke with a Manager ( XXXX XXXX ) whom i have a good relationship with and he informed me he would release my funds and allow me the funds regularly deposited every two weeks according to my pay history and take care of the matter. I expressed that I use my account to provide for myself, wife, and XXXX children but am unable to because I currently have no money to draw from. I am under the impression that no one cares about my financial hardship ; I sensed a nonchalant attitude from each member with no sense of time and understanding of my urgent situation. I have been banking with the company for 10 years where I was able to build an outstanding relationship therein up until this point and am furthermore surprised at the outcome thus far. I have nothing to show for my valued hard work deposited and am completely uninformed as to why or what is going on- this is unfair and I deserve answers.

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 Vehicle loan or lease (Loan) with CITIZENS FINANCIAL GROUP, INC. (WV).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On  XXXX   XXXX ,  XXXX  at    XXXX   XXXX   .  EST,  I contacted  Citizens B ank regarding my inability to pay my loan for a    XXXX   XXXX   XXXX  .  The payment is due on the  XXXX  of the month. I was told by a representative of the bank that their systems were being revised and that they would be not be able to process a payment until this week. I was also told that our automatic payment system would be revised on  XXXX   XXXX ,  XXXX . I was given a reference number :  XXXX , and told that fees for a telephone payment would be waived.     With this information, I assumed that the payment would be deducted on  XXXX   XXXX . It was not.     I contacted  Citizens  Bank today, and I was told that they did not have any record of the conversation and that the reference numbe r I  submitted did not substantiate anything. I was further told that the fee would be waived, as the website was still not working  (  more on that ). After being transferred to a supervisor, I was told that the website does work and was given instruction oh how to use the website as  four  additional numerals are required in addition to my account number. I then asked about forced interested that I had to pay as a result of the computer problems. The supervisor said I was too stupid to use the website correctly. I ended the call shortly thereafter.     I am unaware and have no confidence that the telephone payment fee will be waived, that automatic debit payments will occur, and lost interest that I was forced to pay to this company will be returned.     This company claims the following information to be true :  Citizens  Bank is a brand name of  Citizens Bank, N.A . ( NMLS ID #  XXXX  ) and  Citizens Bank of Pen nsylvania  (  NMLS ID #  XXXX  ).   Citizens Bank corporate headquarters :  XXXX   XXXX   XXXX ,  XXXX , RI  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2016 about Consumer Loan (Vehicle loan) with FORD MOTOR CREDIT CO. (VA).
Issue: Managing the loan or lease

Complaint: XXXX XXXX, XXXX I bought a XXXX XXXX. First payment due XXXX/XXXX/XXXX. ( 72 month loan ). The sticker cost of the vehicle was {$31000.00} on my paperwork from XXXX states " Cash price {$32000.00} '' plus it was an " end of the year sale '', which should have lowered the sticker price. I traded in a XXXX XXXX that I had paid for in full with this same dealership. They only gave me {$7200.00} for my car which I was not satisfied with! XXXX kept me there for over 3 hours and past their closing time ... in the end I do recall wanting the XXXX XXXX {$800.00}. but do not recall the extended service for {$2500.00}, although I did sign the paperwork, but exhaustion had set in by then. This is an interest free loan. The amount financed was {$29000.00}. including a {$7200.00} deposit from my trade in. I need to sell the vehicle now ( most months I paid extra on the payments as I could afford to ) I still owe {$22000.00} I went to the dealership and asked what my options were for getting rid of the car and their Trade In/ Retail Breakdown only allows {$14000.00} - {$17000.00}. I 'm a single mom & a XXXX. I 'm starting a business and need to curb my debt. I 'm very frustrated and feel that I have been taken advantage of!

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2016 about Debt collection (Mortgage) with Sortis Financial, Inc. (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/XXXX My financial advisor and myself contacted ClearSpring Loan Services concerning account # XXXX. We spoke to a XXXX XXXX at XXXX. XXXX. My financial advisor requested proof of debt, proof that they have the promissory note, date of first delinquency, License number for the State of Florida, and the Bond number in the State of Florida. XXXX XXXX could not provide any information and refused to do so. Instead he referred us to the companies website. Upon this conversation, we requested that they cease all collections attempt and to stop the foreclosure process as they have failed to provide the proper documents to justify their actions. I have repeatedly requested that they provide proof of debt and they have failed to do so. This collection company is attempting to foreclose on my property without providing legal documents. Furthermore, the date of first delinquency is sometime back in XX/XX/XXXX.

Company response to consumer: Closed with explanation