milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2017 about Credit card () with NAVY FEDERAL CREDIT UNION (MD).
Issue: Other

Complaint: DISCRIMINATION ON THE BASIS OF MY XXXX. THEY ARE ALSO REFUSING TO GIVE ME EQUAL SERVICE TO ME ON THE BASIS OF MY XXXX. I DO NOT KNOW WHAT IS WRONG WITH THE XXXX PEOPLE AT THIS CREDIT UNION. THEY ARE XXXX AND XXXX. IM NOT RECEIVING EQUAL SERVICE ARE EQUAL PROTECTION. I CAN NOT RECEIVE ANY HELP OVER THE PHONE AND WAS BANNED. THEY AFTER FIVE YEARS HAVE A SECURITY NOTICE ABOUT MY SOFT VOICE CALLING ME XXXX. BUT COULD NOT DO THIS PRIOR AND LOCKED MY ACCOUNT SEVERALTIMES. I WAS STRANDED ON VACATION AND ALL MY CREDIT CARDS AND CHECKING WERE FROZEN.THEY CAN DO THIS BUT NOT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/25/2016 about Credit card () with AMERICAN EXPRESS COMPANY (FL).
Issue: Privacy

Complaint: American Express provides all my private information to another individual which they have used to jeopardize my business relationships and possibly cost me a large contract. 
Twice in the last month, the past time on XXXX XXXX at approx. XXXX. An American Express collections representative called a public business line and provided much of my private information to a co-worker. The last breach which took place by a female representative name, XXXX. She never verified personal information to confirm who she was speaking with. This also happened in an earlier phone call in XXXX, 2016. The American Express representative provided my private Checking account information used to pay this American Express card. They also provided the following. 
- previous payments made -Last several charges - Payments that were returned - locations of many of my charges - Status of my American Express card - Spending habits _ provided my balance of {$27000.00} -provided the amount of time I was late - And MOST DISTURBING : the American Express representative initiated a large payment from My XXXX XXXX XXXX checking account of over {$6000.00} without my consent. 
I strongly urge you to listen to the taped records, particularly the XXXX on XXXX XXXX at approx. XXXX. 
This ex-co-worker informed others of my private issue with American Express which has found its way to current business dealings and cost my hundreds of thousands of dollars. 
I can prove without doubt the individual American Express spoke with on with occasions was not me. Please make sure the tapes are secured.

Company response to consumer: Closed with explanation
Consumer complaint received 08-03-2015 about Mortgage (Conventional fixed mortgage) with JPMORGAN CHASE & CO. (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Chase Bank Loan Number XXXX paid off on XXXX XXXX, 2015. Not shpwing that it is paid off. Dispute filed with all XXXX credit bureaus. Chase continues to report to the credit bureaus that as of the response date to the dispute ( the last Equifax reporting date is XXXX XXXX, 2015 ) that the mortgage was not paid off and that the last payment was in XXXX. Called Chase and they said that teliing them that falsehood was OK and that it may take another four weeks from today to be reported to the credit bureaus since their last reporting date was XXXX XXXX, 2015. Their responses to the credit bureaus is to repeat that last information reported in the normal processing time. They refuse to provide current information.

Company response to consumer: Closed with explanation
Consumer complaint received 05/19/2017 about Debt collection (I do not know) with Millco Management (FL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company is violating my rights by using stalling attempts by refusing to accept my request to demand validation of the debt. This collection was disputed with credit bureau several times  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX ,  XXXX / XXXX / XXXX  and each time Amerifinancial verified it. However, when I requested validation directly from Amerfinancial (  XXXX  ) they refused to respond but continue to attempt to collect debt and report debt monthly on my credit report. I sent request to address listed on credit report the first attempt the company accepted it  XXXX  verification attached ). After I noticed they failed to respond within  XXXX  days I sent another request (  XXXX  ) this time they failed to pick up the letter resulting in it being sent back to my address. Despite this company refusing to speak to me, validate the debt belongs to me and they legally have ownership of the debt they are not only attempting to collecting on a debt I have no knowledge of but are also failing to respond, sending back request although I know the address is valid because they accepted it before.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 09/16/2015 about Consumer Loan (Installment loan) with OCWEN LOAN SERVICING LLC (PA).
Issue: Problems when you are unable to pay

Complaint: Ocwenloans took over a loan we had. When we were forced to sell our home in a short sale, part of the agreement in the settlement was that Ocwen would remove the item from our credit files. We disputed this with the credit bureaus and they left it on all XXXX files.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ERC (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: XXXX   XXXX   XXXX  has sent me to collections for {$190.00}. The hit to my credit report was placed in  XXXX   2017  for {$190.00}. That collection account is also tied to an address that I have never lived at in a city that I have n't lived in for over 20 years. It is erroneous and needs to be removed from all credit reporting agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Debt collection (Other debt) with Diversified Consultants, Inc. (PA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This account was removed from my credit report for false information being provided and this information was sold to another company.

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Consumer Loan (Vehicle lease) with TOYOTA MOTOR CREDIT CORPORATION (SD).
Issue: Managing the loan or lease

Complaint: I have a loan with Toyota. I successfully applied for a two-billing-cycle deferral and paid a XXXX dollar deferral fee. Toyota misapplied the fee and put it towards my lease balance after I sent them the requisite forms and agreed upon the deferral terms. Now they say I am past due and have negatively reported to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2016 about Student loan (Federal student loan servicing) with ECMC Group, Inc. (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: ECMC fails to answer specific questions to my complaint and I am not sure why they will not answer the question. It appears that for a company who wants to be transparent they continually dodge the specific question. Please answer the following questions below : " The promissory note states that I " must '' provide two separate references. The note that you attached fails to state what you will need that for. Are the references needed to find me in the case that I am not communicative? The question I need you to answer is, if the purpose is to not discuss the defaulted loan with the references, then what was the purpose of calling the references? I also have proof that you have contacted individuals outside of the references listed in the note. Please provide explanation as to why? As I have confirmed on multiple accounts my willingness to communicate with ECMC and to find a resolution, please explain why you do not honor this request and contact me via email as this is the method of contact I have requested instead of calling me? Please explain why you continue to call these references, and those who are not listed as my references? If you did not discuss my defaulted loan, what did you want to discuss with those listed as my references and others outside of these references? You state that " ECMC has a continuing obligation to use all methods prescribed by federal regulations to collect the student debt from you. '' If you are attempting to collect from me, and I am communicating with you as evidenced in the communications attached, why were you calling other people? Was it to collect from them when they are not obligated to pay the loan? ''

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 04/29/2015 about Mortgage (FHA mortgage) with U.S. BANCORP (TX).
Issue: Loan modification,collection,foreclosure

Complaint: The mortagage company has prolonged the loan modification process for over a year claiming i did not submit information on time and denied modification based on those claims. In addition, the mortgagor has changed representatives multiple times in which they are unfamiliar with my case and do not help in a timely manner.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2015 about Debt collection (Medical) with Harris & Harris, Ltd. (IL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: We had an outstanding debt with XXXX XXXX for the birth of our twins. 

We paid XXXX XXXX the {$990.00}, and according to the hospital, the account was settled on XXXX XXXX, 2015. 

A collection agency called Harris & Harris continuously calls and harasses us saying we owe them money for the balance. No matter how many times we tell them they have paid, they keep calling and saying we owe them money. 

First, they lied to us the reason they were calling is because XXXX lost our payment and had n't posted to my account. When I told them XXXX posted our payment on XXXX XXXX, 2015, XXXX XXXX told me it 's in my best interest to show Harris and Harris my bank statement to prove payment. He finally relented and said he would make an inquiry to XXXX XXXX. There is no explanation as to why an inquiry was never made beforehand. 

I need these people to stop calling, and I am not about to give these charlatans my bank statement to do so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09-04-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CREDIT ACCEPTANCE CORPORATION (PA).
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: On XX/XX/2016I received a letter from this auto lending company Credit Acceptance and when I spoke with them via phone they explained that they would remove this transaction from my credit report that shows 3 times over thirty days late I am attaching a letter that shows that this matter was settled these transactions should have been removed from all three Credit Reporting Agencies XXXX XXXX and XXXX  because they agreed to remove these transactions they are now along with XXXX  XXXX and XXXX in violation of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Mortgage (FHA mortgage) with MONEY SOURCE, THE (FL).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: FOLLOW UP TO COMPLAINT XXXX of X/X/2017. Further to my telephone call today, I was advised that an insufficient number of offenses have been committed and, therefore, not sufficient to raise the interest of CFPB, which intends to take no action and to offer no protection. The Equal Credit Opportunities Act ( ECOA ) requires that a decision be rendered within thirty days. By their own admission, The Money Source ( TMS ) has failed in this dury. Why did it take so long to recognise the Home Equity Loan, when all the relevant information was readily available? Why the lengthy delay from the time they reversed their decision until TMS issued their Adverse Action Notification? TMS responses have been conflicting, evasive and wholly unacceptable. As a Consumer Protection Bureau, TMS has neither fear of you nor respect for you. I need your protection and action. I need you to live up to your title. Please indicate your intended action. Failing appropriate action, I will have no recourse but to appeal to my Congressman ( XXXX XXXX ) to persuade CFPB to carryout their functions. XXXX XXXX, XXXX XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2018 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: I submitted a withdrawal request via wire transfer on XX/XX/XXXX in the amount of {$10000.00} from GDAX ( owned by Coinbase ). Wire transfer was promised to be processed with the funds available in my bank account within 1 business day. I submitted a request to GDAX to address the missing funds on XX/XX/XXXX. I then followed up again on XX/XX/XXXX with another request for GDAX to address my missing funds. They have not replied to either requests, and my funds have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 04/18/2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (CO).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: I was on the verge of defaulting on a student loan through XXXX XXXX when I was finally able to make a reasonable payment plan. My loan was transfered to Navient which is apparently a sister of XXXX XXXX. The verbal terms of the agreement were XXXX $ a month with a .01 % interest rate as the original interest rate on the loan was 8.5 % and 10 %. I have been paying down the loan for 2 years as of XXXX XXXX and the loan balance has not decreased. I contacted them in XXXX XXXX to ask why my balance had not decreased at all and they informed me that it was a computer glitch that did n't make all of the loans .01 % it only applied that to the smallest loan. So the rest of m loans were still collecting 8.5-10 % interest rate on XXXX $ of the the balance. I have called and spoke to multiple people and they continue to say " they are working on it '' I had one Navient " Manager '' state that I needed a court order to access my billing and payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 12-10-2017 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have been getting constant calls on my home phone at XXXX from this number as well as other numbers associated with Portfolio Recovery. Other numbers include : XXXX XXXX XXXX XXXX XXXX XXXX I have been receiving calls from these numbers for the past month and a half, and even on XXXX and XXXX. There is no message left. I do not pick up the phone because of that. I have also not received any letters in the mail, or any emails regarding this. I am also on the Do Not Call list.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-11-2016 about Credit reporting () with EQUIFAX, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax is reporting a XXXX account ( beginning with XXXX ) with negative information for which I was only an authorized user. This account was my wife 's account and I had no payment responsibilities at all. I have disputed the account with Equifax XXXX and also directly with XXXX. XXXX have correctly removed this account from my credit report, but Equifax has failed to do so in spite of my attempts to correct the erroneous reporting. This negative reporting is affecting my ability to obtain necessary financing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12-10-2015 about Credit reporting () with EQUIFAX, INC. (TX).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I have been disputing incorrect information on my report. Equifax has only send me back a full credit without any response concerning my disputes. I have indicated specific items such as re-aged accounts, schedule payment amount for accounts that are sold or transfer and XXXX has fail to verify the accuracy of this accounts. As Im writing this complaint XXXX/XXXX/2015, this would be the 3th time that Im requesting Equifax to investigate and they have fail to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 10/28/2015 about Debt collection (I do not know) with Velocity Portfolio Group (HI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I previously had a complaint submitted. My Submission number : XXXX when I called the the XXXX number I was informed by a female who answered the phone they ca n't provide any information on the complaint and that i need to resubmit another complaint. I received a debt validation letter from attorney XXXX office who represents Velocity Investment, LLC. Account Name : XXXX XXXX and Original Creditor is XXXX. XXXX XXXX and his client has the name under XXXX. I sent XXXX XXXX several certified letters requesting any documentation that has a loan made under XXXX XXXX. I do n't recall making any loan under that name with XXXX. I was a victim of identity theft and just want to make sure that XXXX XXXX and his client provided the proof of documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (VA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I am a Veteran and I was on a steady payment plan before Navient took over my loan. I paid faithfully every month and when they took over they stopped the payment plan I paying and started calling harassing me about paying excessive amounts when I was paying based on my income. I have put in for a hardship with them and they denied me once again still demanding a high monthly payment.

Company response to consumer: Closed with explanation
Consumer complaint received 12/24/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Billing statement

Complaint: CAPITAL ONE charged {$1000.00} for service or products that I have not received. 
I already ask them to remove charges and They do n't want.

Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with ENCORE CAPITAL GROUP INC. (TX).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I was originally told of a debt with XXXX back in XXXX of XXXX. So I paid it. Now 5 Years later they are claiming I had XXXX accounts with XXXX. I asked the agency for proof of both debts and they told me they did n't have to provide that. I states if i request it you do its the law. They said no. I called XXXX They stated the account was closed in XXXX yet the collector states this was owed in XXXX. The information from XXXX is not matching the debt the collection agency is trying to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Medical debt) with Secured Resolutions, LLC (NY).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In 2017 I was given a credit monitoring alert that a collection account was added to my credit report from Secured Resolutions not knowing anything about this company or debt I tried to get information to validate this information reporting on my credit report. I notified the collection agency asking for validation of the debt. They attached information which is enclosed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-12-2016 about Mortgage (Conventional fixed mortgage) with FRANKLIN AMERICAN MORTGAGE CO. (SD).
Issue: Loan servicing, payments, escrow account

Complaint: I have a mortgage with Franklin American Mortgage Company. Related to my complaint is an insurance claim from hail damage to my home for which I am attempting to recover funds. I have endorsed and forwarded checks to Franklin American from my insurance company as well as all documents required. I have correctly followed the procedures required according to the website and the customer service representatives to whom I have spoken at Franklin American. After having my roofing job inspected for them, Franklin American still will not release the money to pay the roofing company. Currently, monies totaling {$7600.00} are being held by Franklin for both roofing and window repairs. Instead of only repairing the cladding to our windows which was approved by the insurance company, my wife and I decided to replace all the windows in our home at an additional cost to ourselves. Because the documentation for the window replacement exceeds the amount to repair the cladding approved by my insurance company, Franklin American told me that they can not release any monies to me until I pay my window contractor in full. 
Franklin American is making it nearly impossible for me to effect repairs and pay the involved contractors. Their information and requirements change each time I speak with them. 
This is the second time Franklin American has made me jump through hoops in order to collect the money they hold from my insurance company. The first time Franklin American retained funds was when my last house sustained hail damage. I feel unlucky that my current mortgage was bought by Franklin American on the secondary market. 
I am requesting that the CFPB look into the practice of Franklin American mortgage company keeping their borrowers ' insurance funds far longer than acceptable. I can only surmise that it benefits Franklin financially to retain my insurance funds.

Company response to consumer: Closed with explanation