milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-02-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with AMERICAN EXPRESS COMPANY (NV).
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint: I received a prepaid reward American Express credit card by purchasing fuel for aircraft that I flew. In XXXX 2016 we loaded the card with what are called " XXXX XXXX '' bringing the total amount loaded to {$930.00}. The card is offered by XXXX XXXX which is a fixed base operation throughout the United States. 

Since I had not received a new card, I thought perhaps it was lost in the mail. Concerned I checked the website and saw that the balance was still on the card. I began calling American Express to let them know that I had not received an updated card and after finally getting through, the American Express representative told me that since the card was expired I could not get a new card and I would have to forfeit my funds. 

It was apparent that the rep did not have knowledge of how this particular card works so I explained that the funds do not expire and that we can continue to load money onto the cards whenever we receive XXXX XXXX. 

The rep told me I was not entitled to the funds on my cards and for me to check the terms and conditions. His answer was without a doubt, ludicrous as I, as well as my wife and many other pilots, have had multiple AE cards in the past from purchasing fuel from XXXX XXXX and never had a problem. 

I checked AE 's Rules, Regulations and Disclaimers and there is nothing stated that the cardholder forfeit funds that were loaded onto the card. Additionally, the card clearly states that the funds do not expire. See attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-10-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax was hacked and my information was stolen. I 'd expect a company whose job it is to keep personal information private have at least a competent security system. Now my information is available for unauthorized use forever. Given that they stole my SSN and all other personal information, I believe this will be an issue I will deal with for my lifetime.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Mortgage (FHA mortgage) with CITIBANK, N.A. (OH).
Issue: Struggling to pay mortgage

Complaint: Keep submitting documents and agents keep being switched on my account just being ran around in circles

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 05/21/2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (IL).
Issue: Loan modification,collection,foreclosure

Complaint: I filed for a loan modification with Chase sometime in XXXX and Iwas called several times by Chase for the same documents overand over again. Then when all my documents were finally in andwent to be processed, I was denied a modification. I lost myjob, so I am not earning the money I use to make, but I amemployed or underemployed as the bank likes to call it. I do n't feellike I was helped enough, but given a rushed solution of doing ashort sale. I want to stay in my home if possible. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 02/15/2016 about Debt collection (Credit card) with BYL Collection Services (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have received several letters from BYL Collection Services LLC about an alleged debt that I do n't owe. I requested validation of this alleged debt and received some papers that do n't show any of my personal information such as Date of birth and Social security Number. I have relayed that information to this company but they continue to send me letters to settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Consumer Loan (Installment loan) with SUNTRUST BANKS, INC. (VA).
Issue: Managing the loan or lease

Complaint: I wrote them and attached a copy of the cashed check I sent them : -Original Message -- Date : XXXX/XXXX/2017 XXXX AM To : XXXXXXXXXXXX Subject : You cashed the check, but is not reflected on my a Acct - Line of XXXX { Accounts } Why is the attached copy of the check you cashed from me not reflected on my account? Please correct not only this balance adjustment, but also adjust down the interest that has accumulated on the higher balance. 

They responded with : Topic : Accounts Subject : Re : You cashed the check, but is not reflected on my a Acct - Line of Credit-XXXX { Accounts } [ # XXXX ] From : Customer Support XXXX/XXXX/2017 Hi XXXX, I hope you are doing well today! 



I understand your point regarding line payment. I have reviewed your account and see that, you have processed the line payment from your credit card. Please be informed that, you can not make your loan/line payment using your credit/debit card. Also please know that to make a payment to a consumer loan or line, use the Move Money service within Online Banking. Hence, the payment of {$1000.00} has not been posted in your line account. 



For more information regarding line payment, you may contact our Loan Servicing Department at XXXX and they will assist accordingly. Our specialists are available M-F XXXX to XXXX Sat. XXXX to XXXX XXXX. 



Have a great day! 



Regards, XXXX XXXX SunTrust Bank- XXXX XXXX XXXX Join our movement toward financial confidence at XXXX This is not my first bad experience with Suntrust . They also did this to one of my mortgage accounts, causing my credit score to be lowered, and forcing me to stop payments on checks ( costs to do so ), while not posting my payments for three ( 3 ) months.

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 04-08-2016 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (PA).
Issue: Managing the loan or lease

Complaint: My loan is for only about {$8500.00} but the statements are confusing. They only show the amount owed after all interest over the life of the loan. For example I borrowed the above but my statement shows {$16000.00} and this also appears on my credit report which hurts my debt ratio. It would be as if my mortgage is {$60000.00} but instead of showing what I borrowed they show the amount on my statement with all 30 years interest in the total but no where does it show the original amount borrowed. Which would make it hard to see if my payment is being applied correctly. It also does n't show my interest rate. I am requesting that my statement reflect the basic info that every other business seems to be able to print on theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: DiTech Financial took over my loan from XXXX XXXX XXXX in XXXX of 2016. I pay my bills through XXXX XXXX XXXX pay and schedule this bill to be paid at the same time each month. things were great until XXXX when I received a notice that my payment had not been received. I called DiTech immediately to find out what happened. All they could tell me is they will investigate. This happened again in XXXX. As of today, they still can not find my payments and now I have received a foreclosure notice. XXXX XXXX has sent the payment and even conferenced in with DiTech to try and resolve. Each time I call DiTech I start over with a new rep that basically can do nothing to resolve my issue. I 'm not sure where to turn now.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/13/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Account : XXXX XXXX # XXXX ( {$370.00} per month ) XX/XX/XXXX XX/XX/XXXX reflects 30 instead of OK. 

Dispute Letter Mailed to XXXX, Equifax and XXXX : Dispute Statement - The payment reporting for this account is completely inaccurate. My credit file currently reflects that I missed payments or made a payment greater than 30 days late to XXXX XXXX for all of the following months : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did make payments on time and in full on all of those months, I did not make the payments past 30 days from the due date. Please update/correct this information on my credit file as soon as possible to reflect accurate payments made on time for all of those months. I have disputed the inaccuracy of this account reporting for those months multiple times with all three credit bureaus and its causing a significant affliction on my overall credit status and financial options, causing hardship on education plans for my son and other life needs. 

Supporting Documentation Provided to XXXX, Equifax and XXXX by Mail : Enclosed a copy of my Checking Account Transaction History Report, which verifies that I did make the monthly payments for all of those months and payments were made in the amounts of {$380.00} or above, which is higher than the minimum monthly payment required and also paid within 30 days from the monthly bill due date.

Company response to consumer: Closed with explanation
Consumer complaint received 06-03-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (AZ).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: Three times I have submitted requests to the  XXXX  individual credit bureaus as well as  XXXX   XXXX   XXXX  requesting the inaccurate reporting of the late payments in  XXXX  &  XXXX   XXXX  to be removed for all  XXXX  of my federal loans with acct numbers  XXXX ,  XXXX ,  XXXX , &  XXXX .     The agency reported a timely payment in  XXXX   XXXX , 60 days late  XXXX   XXXX , & 90 days late  XXXX   XXXX  for all my accounts. During this time I was struggling with the company to approve my IBR. On  XXXX   XXXX ,  XXXX  I spoke to agent #  XXXX  with  XXXX  who retro-acted my deferment to  XXXX   XXXX ,  XXXX  to be active until  XXXX . I followed up on  XXXX   XXXX , to ensure my account was current was spoke to a man,  XXXX , @  XXXX   XXXX  ( MST ) who stated I was in deferment with a bal of {$0.00} since  XXXX   XXXX .     Every time I have requested the inaccurate reportings be corrected  XXXX  places a remark of " Dispute resolved, Customer disagrees. '' Nothing has been resolved. I was in deferment so the late notices should be removed.

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 12-04-2017 about Credit card or prepaid card (General-purpose prepaid card) with PAYPAL HOLDINGS INC. (MI).
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint: I have filed complaints with absolutely no results from any government agency - OMB CONTROL # : XXXX I am owed {$320.00} by PayPal for purchases made on XXXX, transactions that were cancelled because two XXXX vendors did not have the items they took my money for, and PayPal claims the refunds were issued. My bank however has never been able to see even one cent refunded to my account such as PayPal claims. XXXX XXXX XXXX XXXX - routing number XXXX - no refunds as PayPal claims in written receipts. XXXX customer service does nothing - PayPal does nothing - the BBB did nothing - the CFPB has done nothing - The FTC does nothing - so you tell me how am I to get my money back, when nobody ever acts or does anything to get it for me?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2018 about Debt collection (Medical debt) with WAKEFIELD & ASSOCIATES, INC. (TN).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: on XX/XX/2018 I received ( 3 ) missed calls from XXXX. All calls were back to back at XXXXXXXX XXXX cst. The phone rang 1 time each call then hung up before I could answer which resulted in ( 3 ) different missed calls. I have taken a screen shot on my phone to verify the incident. I contact the number back immediately. The lady stated she was from Wakefield and Associates. I advised the lady that I just received ( 3 ) missed calls back to back from this number and that it was a violation of the FDCPA and CFPB. I asked if my number was on a automatic dialer system and she said no and didn't know why I would have been contacted ( 3 ) times back to back. She then went on to verify me and to tell me that I had a medical debit in the office and requested repayment to the client.

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 03/27/2017 about Credit card () with NAVY FEDERAL CREDIT UNION (RI).
Issue: Payoff process

Complaint: One XX/XX/2017 Navy Federal Credit Union issued and mailed me a letter pertaining to debt settlement. Per their agreement, I would get 40 % off a {$2500.00} debt I had with them meaning I would only have to pay approximately {$1500.00} to settle the account. On XX/XX/2017 I filed my taxes and had the money deposited into an old checking account with NFCU because it was closed and I did n't know. As a result, NFCU deposited the money into my savings account. They withdrew the full {$2500.00} and I was not refunded the 40 % off as described in their letter. When I called XXXX, an XXXX employee, I was lied to. XXXX stated I paid the debt back in XX/XX/XXXX which is before the XX/XX/XXXX settlement letter. I told XXXX it was impossible for me to pay in XX/XX/XXXX because I filed my taxes, the money used to pay off the account, on XX/XX/XXXX. Explained to XXXX that they basically withdrew the money on the same day that the letter was sent. XXXX proceed to lie to me, yet again, about the agreement. XXXX lied and said that I was supposed to call them to agree to the settlement. I called XXXX out on her lie and let her know that the letter said I did not have to contact them to agree to the settlement. I simply had to send in a payment and I was supposed to contact NFCU if I was NOT able to adhere to the terms. XXXX is refusing to give me my money back that I rightfully deserve.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 06/15/2017 about Mortgage (FHA mortgage) with NATIONSTAR MORTGAGE (GA).
Issue: Trouble during payment process

Complaint: In  XXXX  of  XXXX , we set up auto-pay for our mortgage payments. On  XXXX   XXXX ,  XXXX , we received a notice that we were behind on our mortgage {$880.00}. After calling to inquire how that was possible, the CSrep informed us that there was no auto-pay set up and that this was the amount due. I still did n't get a true understanding regarding how we owed {$880.00} already. However, against my better judgement, I sent a check for the amount they claimed was past and the next month 's mortgage payment that was due, which would total approximately {$1300.00}. To my surprise, on  XXXX   XXXX , I received a check fro m Nationstar for {$32 0.00}, with no explanation about where these funds originated from.   I inquired about that and they said it was for a partial payment that was received, I 'm not sure when, and they did n't say when, and I asked the CSrep why it could n't be applied to the balance that was due, since it was already in their possession, and they responded that the balance had to be paid in full. At this point I 'm so confused. I do n't understand why, if a customer owed you, you would send them a refund. From here it does n't get any better. On  XXXX   XXXX , the check for {$1300.00} was returned with the claim that I now owed {$2700.00}, which would equ als 5.5 mort gage payments and here it was only  XXXX . Still, I got no clarification, no answers when I called. So I sent payment of {$2700.00}, as they claimed that I owed, and guess what? This payment was returned as well, I do n't remember the exact date, but it was the middle of  XXXX , and now the amount had now risen to approximately {$3100.00}. I called immediately and spoke to CSrep who I asked to give me an explanation and a true, static amount with a solid deadline to pay. He informed me that the {$3100.00} was due before  XXXX   XXXX  and I promised that it would be by the end of the next week. In my mind, all is well, until I get yet another letter with the same statement, and the  XXXX  returned monies. This letter was received on Saturday,  XXXX   XXXX , and when I call them this time, they inform me that the account was never brought current ( this was totally NOT my fault ) and that the house was sold on Tuesday,  XXXX   XXXX . The most interesting & heartbreaking thing is that the date that the funds were rejected, were after the house was foreclosed. No one called and said, we 're not accepting the payment, this is what you need to do, nothing. And I 'd included a note with the payment for someone to call me, with a phone number if there were any problems. Now I 'm losing sleep, feels like I 'm losing myself with everything I 've been through. I just want my house and I have been trying to pay what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 07/29/2015 about Money transfers (Domestic (US) money transfer) with MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC (GA).
Issue: Money was not available when promised

Complaint: On XXXX XXXX, 2015, I used my MoneyGram account to send monies to my family member who is in XXXX for {$170.00} and a friend who live in XXXX, Florida for {$100.00}. 

Both transaction was blocked and I did not found out until my friend in Florida told me the MoneyGram said I had to call them, so I did and they ask me for all of my personal information plus for my birthday, I ask why, and was told my the telephone representative that my friend name was on a government list. 

Then this morning XXXX XXXX, 2015, my son call inquiring about his monthly fund that he has not received yet. So again, I immediately call MoneyGram and spoke with XXXX, XXXX, XXXX, and XXXX they all said that my name was being block by the government, and any action of money transferred by money was under review and that I must provide my birthday and driver license for the transfer to go through. 

I question them as to what government agency ask them to do this, please supply me with name and phone number they said they were not authorize to do so but if I wanted the transfer to go through then I must give them my personal information, I told this on XXXX/XXXX/2015 by XXXX ( this was the last person that I talk too ) I told her I was not given out any more of my personal information, nothing but : my name, address, phone and their transaction refer number for {$170.00} or for her to gave me a refund for {$170.00}. 

After a few more minute of her explaining to me why she need my birthday and driver license and me refusing to do so, she decided that she will go ahead this time and release my money to my son. 

I need to know what government agency have flag my name, my family, and my associate name and for what reasons and is this legal for MoneyGram hold back a person domestic money transfer and/or have the person call and their representative ask for the consumers for their personal information in this day a time especially with identity thief as high as it is? 

Please help me find out why occurring to MoneyGram the government have flag my name and my family and friends name, if I am under surveillance by my government, why am I? 

Thank youXXXX XXXX ( Anytime : day or night ) XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Money transfer, virtual currency, or money service (Domestic (US) money transfer) with PAYPAL HOLDINGS INC. (ID).
Issue: Unexpected or other fees

Complaint: I sold some computer networking equipment on XXXX in XX/XX/2017 to a buyer. this buyer kept my equipment for a few weeks and then decided to try to get a refund. I have a strict policy on eBay for computer networking equipment of no returns, for the reason that people can buy the equipment and use it for temp purposes and then return it. The buyer opened a case with XXXX and XXXX closed his case finding that I followed proper procedure and did not need to issue a refund. The buyer kept my equipment and filed a credit card dispute with his bank and did not return the equipment to me or even attempt to. PayPal who handles transaction for XXXX immediately charged me and put my account in negative before anything was decided in this dispute from the credit card company. PayPal continues to charge me late fees and weekly emails about sending me to collections unless I pay this debt. PayPal has done nothing to protect the consumer and especially the seller in this case. I have called PayPal multiple times about the weekly emails and the case is still open but I am being held responsible for this negative balance. The policy is backwards and left the consumer and seller with a mess on their hands. As the seller I don't have the equipment that was shipped, used and still being used from the buyer and left to cover the shipping cost and the cost of the equipment. PayPal is the worst customer service organization I have ever dealt with and the protection of consumer rights is being violated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 06-09-2017 about Debt collection (I do not know) with ENCORE CAPITAL GROUP INC. (GA).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: Business contacted me on a co-workers cellphone that I did not give them permission to contact me at and did not tell them was my personal line to call on. I am unsure of how they got this phone number whether I used this phone associated with this number to contact a few months back but I did not give them this number as a contact or way of communicating with me.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2015 about Consumer Loan (Installment loan) with Duvera Billing Services, LLC (WI).
Issue: Managing the loan or lease

Complaint: I paid this loan off in XXXX 2015. They processed a payment after the loan was taken out. I asked for a refund of the payment. I ended up receiving the refund through XXXX XXXX XXXX. I have spoken to several different people and even sent my banking statement showing I never received a refund from them. The refuse to clear the account and it is negatively affecting my credit. I was hung up on 3 times while calling to speak to someone. I have someone arguing with me after I sent in the documentation of the what she asked. I would like this situation resolved immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation