milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 02/23/2016 about Prepaid card (General purpose card) with AMERICAN EXPRESS COMPANY (GA).
Issue: Managing, opening, or closing account

Complaint: I am writing to you today about a prepaid card service that closed my prepaid account, took my money and has held it for nearly 2 months. I have called them regularly but every time I ask about this issue I am given the run around. Below is my account of the situation and I hope you will help me resolve this matter. 

On XXXX I used my Serve Prepaid cards to purchase airline tickets for myself and my family for an XXXX trip. The trip was planned for XX/XX/XXXX but we later decided that XXXX would be a better destination and so we cancelled out tickets as they were refundable. Of all the tickets, my refund in the amount of {$2500.00} did not process properly ( this was Airline 's error ) and had to be reprocessed in XX/XX/XXXX. This time the refund was properly back to my Serve prepaid card but for some reason the Serve Prepaid system flagged the refund as suspicious and/or against their terms and conditions. Within a matter of 48 hours my wife 's and my Serve prepaid accounts along with the several authorized user cards were closed. I also received an email stating that the refund for the airline ticket was denied and sent back to to the Airline. 

When I called Serve, I explained that the originalrefund was in fact legitimate and originated from a transaction several months prior. I also explained that I had no issues with the refunds from other family member 's and this should not have happened to my account. The representative looked through my past statements dating back to XX/XX/XXXX and found the original transaction pretty easily. She then referred the issue to another department for inquiry and resolution. I would be hearing back from them soon. As of today our accounts remained closed and the balances which were in them ( over {$3000.00} ) has not been refunded. When I call to inquire about our funds or try to get access to account information, past statements and the like I am stonewalled and told none of this information is available. I have no online access to our transactions whatsoever. 

In addition to the $ XXXX that Serve has confiscated, the Finance department of the airline has no record that the XXXX refund was returned to them at all. They say they would easily see this if it was the case.

Company response to consumer: Closed with explanation
Consumer complaint received 06-05-2016 about Mortgage (FHA mortgage) with MOUNTAIN WEST FINANCIAL, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: Our loan originator failed to lock our rate in time, even after we requested him to do so and reminded him before the deadline. Interest rates have now gone up and downpayment assistance has decreased. We asked to confirm that this had been acted on with time and he lied to us and told us that he had locked our fate which was not the case.He now wants us to make-up for the loss in downpayment assistance from our earnest money instead of adjusting origination fees to make-up for the loss that was a result of their negligence. The LO and both branch managers have lied to us in the past in regards to other parts of our loan, but this has been the one with the most financial impact so far.

Company response to consumer: Closed with explanation
Consumer complaint received 10/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CITIBANK, N.A. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There are XXXX inquires from CITI listed on my credit file which I have NOT applied for credit. I would like to know why? This is fraud and I want the inquires 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 10-10-2016 about Payday loan () with Big Picture Loans, LLC (VA).
Issue: Charged fees or interest I didn't expect

Complaint: The instrest for the loan is 890 % I was not told this was going to be this much. I borrowed XXXX and the intrest is XXXX every two weeks. Nothing is going to the principil. I still owe XXXX to pay this off after making paymnets. I called and they said I was charged the lower intrest.

Company response to consumer: Closed with explanation
Consumer complaint received 05/14/2015 about Mortgage (FHA mortgage) with CITIBANK, N.A. (TX).
Issue: Loan servicing, payments, escrow account

Complaint: XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX XXXX : XXXXXXXXXXXX XX/XX/XXXX/2015CitiMortgageConsumer Complaint DivisionTo whom it may concern, Re : XXXX XXXX/XXXX/2015, I was told a by the property damages dept. at CitiMortgage that the insurance check my wife and I paid over sixty dollars to mail overnight would be sent back to us on XXXX/XXXX/15. That was erroneous information. Unfortunately, due to the negligence of that it has cause extreme emotional distress because we are displaced. I am disappointed because had that been explain the XXXX time this would not have been a problem. Since the correct information was not disclosed clearly and was misrepresented. It has cost us more damages. 
To resolve the problem, I would appreciate your not only the check and fees associated we would like to be compensated fifteen thousand dollars. I will enclosed copies of my records in the fax number provide. 
I look forward to your reply and a resolution to my problem and will wait until XXXX/XXXX/2015 before seeking help from a consumer protection agency, the media, my insurance company, arbitration, the Better Business Bureau or any other legal action. Please contact me at the above address or by phone at. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 05-03-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Google Compare Credit Cards Inc. (GA).
Issue: Unauthorized transactions or other transaction problem

Complaint: I filed this situ ation on BBB but google answered same answer over and over so I filed this here.       Google p ayment service has been terminated for no reason.   On  XXXX   2017,  during spring break, a lot of people was visiting my house and I found s omeone made a transaction with google store without authority using one of my devices. I contacted google soon but the y said I have to contact service provider ( app developer ). I tried to contact them but no response. I contacted bank to file unauthorized transaction dispute and I got my lost money back. After that,    google suspended  my account and said revert charge back. I asked them I can do that but what about my money, I told them if they honor to refund my money if I revert chargeback, I would do that but they repeat same answer : " We understand that you would not like to reverse the chargeback that was placed in you r Google  Wallet account. As such, we will keep the account suspended as a security precaution. '' it seems like automated response so I filed on BBB, and actual person -who named  XXXX   from   google responded. He said same thing like machine. This is the last respo nse : " As Previously stated, on the  XXXX  response, I can not promise or guarantee the outcome of the secondary review.   The only thing I can tell you that is a definite fact is that the account will remain closed as long as there are chargebacks. You can choose to reverse them and have have the charges be reviewed again, or you can chose to leave them, which would leave the account in the closed state it is in today. " Which means " you have choose to potentially robbed by us, or be kicked out from our service '' I have no idea how could business running like this way legally.

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 09-02-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: XXXX XXXX lists an amount due of {$6500.00} XXXX {$7900.00} highest balance ) as a Collection/Charge-off on my credit report. This account belonged to XXXX XXXX and I was listed as an Authorized User. I never used the card and it is still in the envelope in which it was originally sent. XXXX XXXX sold this account to XXXX XXXX and they filed a collection lawsuit against XXXX XXXX XXXX This lawsuit was Non-Suited by the Court and the amount claimed as due was deemed to be NOT owed. The attorney stated that the amount did not have to be paid to XXXX XXXX or to XXXX XXXX. When applying for a mortgage in late XXXX 2015, a conference call was held between XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX refused to discuss the matter, so no resolution could be had. They were extremely abusive on that conference call to which we still have the recording. We were not able to secure the mortgage because of that derogatory listing on my credit report. Transunion has already responded and removed this item from my credit report. Equifax is the credit reporting agency that is still showing this derogatory item.

Company response to consumer: Closed with explanation
Consumer complaint received 11-07-2016 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: PORTFOLIO RC ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you PORTFOLIO RC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PORTFOLIO RC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08/17/2017 about Mortgage (Conventional home mortgage) with WELLS FARGO & COMPANY (PA).
Issue: Struggling to pay mortgage

Complaint: Over 9 years ago my wife and I needed to rebuild our home. We turned to Wells Fargo for an immediate construction loan and then requested conversion of that loan into a conventional 15-year conventional mortgage. Instead, we received a proposal for a 30-year mortgage, which we rejected. At this time our daughter was diagnosed with XXXX XXXX. Wells Fargo, well aware of this situation and of our need to complete the rebuilding project as soon as possible, provided a revised mortgage proposal. To help with her extensive medical care and to provide for her XXXX children we moved all of them into our home as soon as the rebuilding was complete. Our daughter XXXX XXXX in XXXX. We are still raising our grandchildren. What Wells Fargo provided us was nothing like a {$650000.00} conventional mortgage. After paying on this 8.375 percent interest loan for almost 10 years, the face amount has only been reduced to {$630000.00}, and that is only because we made some more than required payments. This loan made the nearly {$5000.00} monthly payments go to interest payments only for the first 10 years. In XXXX of this year the interest rate will change, and the maturity date will be XX/XX/XXXX. In other words, Wells Fargo ignored our stated request for a 15-year mortgage twice, sending instead a second agreement that was altogether worse than the first and again for a 30-year period, but with even worse interest costs than the original offer. While we were focused on our daughter 's XXXX and XXXX illness, we trusted Wells Fargo to present in its second proposal the terms which had been conveyed in the original application process and consistently repeated in all of our subsequent discussions and correspondence. XXXX XXXX, the loan agent for this Wells Fargo mortgage, we understand no longer works for the company. Inexcusably, this is another example of this infamous major financial institution intentionally taking advantage of consumers who are in a vulnerable state. My wife and I are now in our seventies. To say the burden of this usurious mortgage obligation has proved to be a financial disaster for us is a gross understatement.

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 01/23/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I saw this in the news : XXXX I used to have loans through XXXX , which is now Navient. Am I entitled to any payback? My name is XXXX XXXX. I have since paid my loans off, but I had loans just up until last year. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2015 about Debt collection (Medical) with Med-1 Solutions, LLC (IN).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: Med 1 SolutionsSolutions retaliated against me for filing a CFPB BY SENDING Two MORE Bills on my credit report SENDING THEM TO 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 07/13/2015 about Credit reporting () with EQUIFAX, INC. (CO).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: It 's concerning the XXXX auto payment closed XXXX of 2008. We paid that bill in full after the car was totaled by the insurance company- XXXX XXXX XXXX There should not be anything derogatory concerning this account. We were never late on payments and they received the total due in XXXX of 2008. I would like this negative mark removed from my credit report. Please check with XXXX to confirm. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 12/31/2017 about Vehicle loan or lease (Loan) with NAVY FEDERAL CREDIT UNION (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint: i purchased a XXXX XXXX from my ( soon to be ex ) husband for the amount of loan of XXXX from navy federal credit union. NFCU release the tile back to him and he has disappeared with the truck and money. he removed XXXX from my personal checking account and NFCU told me to get a lawyer it is a civil matter. i paid for the truck and they refuse to give the tile and the ohio DMV shows my husband is still the owner of the truck

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Hillcrest Davidson & Assoc (VA).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: XXXX XXXX XXXX of XXXX, Va. struck up business with me XX/XX/XXXX. A contract agreement was set in motion. I gave them a cancelled check to debit my XXXX XXXX XXXX acct for {$39.00} onthly. THEY FAILED to have a functional office staff to get the payments started. They began a draft to my acct. on XX/XX/XXXX & XX/XX/XXXX, nothing in XXXX. Why? Turned me over to a collection agency : Hillcrest, Davidson, & XXXX. who have called with harassment, etc.since XX/XX/XXXX each day ( XXXX times/day ). I had surgery on XXXX, had my daughter to fax cancelled check copy, copy of drafts from my checking acct, copy of orig. contract. Now that I HAVE defaulted on contract ... things have " accelerated '' and I owe {$3500.00}. Or, I possibly can reinstate for {$560.00} by XXXX XXXX. These people target XXXX customers ... with whom I was with before XX/XX/XXXX. I believe they target XXXXXXXX/I am XXXX ... XXXX customers in the hopes they we do n't notice their lack of business skills & get caught up into the mess I 'm in. This happened to a friend of mine ( XXXX yr old XXXX customer ) who lives in the northside ... but she could n't talk when approached because she is her mother 's caregiver. She told XXXX to come back " next week ''. In the meantime she called XXXX and was told what has been going on. When XXXX returned she had her cell phone ready & recorded the exchange & says she too the salesperson 's picture. She told him to get off her property & told him never to return. She was spared this mess. I have apologized to XXXX ... twice & I want them back ... if I am ever able to get out of this! The lie was " upgrading to wireless '' & save a little bit of money ( from {$43.00} to {$39.00} monthly ). What are my " rights '' in this " set up ''? XXXX & XXXX ... installers & monitors seem to have it all in their court.

Company response to consumer: Closed with explanation
Consumer complaint received 03/19/2018 about Mortgage (Other type of mortgage) with VANDERBILT MORTGAGE & FINANCE, INC (NY).
Issue: Struggling to pay mortgage

Complaint: My issue is with Vanderbilt mortgage company every month that Ive fallen behind in the last 3 years they have harrassed degraded, and have told me what bills to not pay so they get there money. XX/XX/2018 I fell behind and told them I would pay on a certain date they asked for personal tax info to prove I would pay one time past 30 days due to three deaths. My husband took a pay cut at work that hurt our monthly income so this is why sometimes I pay a fee, they sometimes call me 3 times a day even if I give a date that Impaying Ive had to block them, because they have caused me a lot of anxiety. I sometimes pay a late fee, but this was the first time I was past 30 days Ive never had a company be so harassing in two days they sent someone to take a picture of my home and a certified letter the day after even with a promise to pay date in place. They make it really hard to talk to them in tough situations. They also offer no help in tough times and make you feel like a scum bag for not having there money. One person even said get another job. They have caused me a huge amount of stress and thought someone should be aware of how they treat people.

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 02/23/2016 about Credit reporting () with EQUIFAX, INC. (NV).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There is an account listed that is not mine reporting as a Collection # XXXX original creditor the XXXX XXXX for {$5300.00} This is unknown and no such debt or account was taken. There is no way this company verified or validated anything.

Company response to consumer: Closed with explanation
Consumer complaint received 10-06-2015 about Bank account or service (Other bank product/service) with Blackhawk Network Holdings Inc. (MD).
Issue: Account opening, closing, or management

Complaint: I have tried unsuccessfully to correct my date of birth on my PAYPOWER DEBIT VISA CARD and can not get the card company to make this change. My card will expire at the end of XXXX 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 03/17/2017 about Student loan (Federal student loan servicing) with AES/PHEAA (OR).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I was advised/promised by a customer service representative for XXXX/XXXX who was advising me about consolidation into the income based repayment plan that my already qualified 6+ years of payments under the XXXX Loan Forgiveness program would be included after I consolidated. 

I recently discovered this is not only not true, these previously qualified payments do not count, but that there is also no process to appeal or review this decision. I was given false information and made financial decisions based on this information. 

If I had known I would lose almost 7 years of qualifying payments for working for non-profit agencies I never would have consolidated. I would have continued to pay the same rate for 3 more years and been finished. 

These programs are designed as motivators for people who are willing to make less money doing non-profit work. I 've upheld my end of the bargain. I 've never missed a payment or even paid late. Instead of being almost done, I 'm now faced with almost starting over again. This raises my qualifying payments to 17 years instead of 10. 

This is not right. My attempts to find help or people willing to discuss this issue with customer support are useless. Customer support agents are rude and often do not know what they are talking about or seem to make things up to end the call. I 've learned this the hard way. 

This situation needs to be made right. I have all the confirmation numbers for every payment since I graduated college. I recently learned from XXXX XXXX employee ID XXXX ( FedLoanServicing ) that this exact thing happens " all the time '', and there 's nothing that can be done. I do n't understand how a servicer who is handling my federal student loan can lie to me and I have to suffer whatever the financial consequences. 

Please help. 
Respectfully

Company response to consumer: Closed with explanation