milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-05-2016 about Bank account or service (Checking account) with NAVY FEDERAL CREDIT UNION (CA).
Issue: Deposits and withdrawals

Complaint: Regarding Navy Federal Credit Union XXXX and Savings account number XXXX and denied me access to my Veterans Administration XXXX check last XXXX XXXX, 2016. Moreover, NFCU took it upon themselves to pay loans owed to them and have move funds from my savings to checking to cover distribute to at their discretion without my consent. And have charged me multiple insufficient funds fees for loans that were carried by NFCU and others knowing that no funds were available as a result of their unauthorized distribution of my funds. I have been charged XXXX in insufficient funds fees collected by NFCU as a result of them withholding my funds.

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 06-09-2016 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (FL).
Issue: Loan modification,collection,foreclosure

Complaint: We applied for shortsale assistance XX/XX/XXXX, as it was offered to us to help us avoid foreclosure. After we submitted at least XXXX offers from buyers ( we also had a few, really low ball Cash Offers which we did n't even bother with ). All within timeframes of XX/XX/XXXX through now. Each contract price gets countered to above market value. Each time the buyers cancel the contract, as it 's subject to the 'shortsale approval ' and then a new BPO/Appraisal. My realtor kept listing the property at what the bank wanted $ XXXX and got NO showing request. She sent this XXXX listing history to the lender to show them, no activity. It did n't seem to matter. We sent them the comps they wanted 'Non Dis-stressed, Foreclosures or Shortsales ' to be used as comps? Does this make any sense. Why is n't the bank using comparables to my house, in the current dis stressed condition it is in, to appraise the property? Because it does n't benefit them! I feel the bank is purposely delaying this shortsale and not coming to the true market value of this property because they would rather see it go into foreclosure. Which during this process they would stop foreclosure actions, the bank just filed the les pendens law suit about 1 month ago, knowing we have had a contract in place for shortsale processing. I am not sure if this is a form of discrimination or some scam. For example, on the 'latest ' contract in for shortsale approval, XXXX different BPO/Appraisal people came out for the bank, within days of each other, XXXX is reported to just take pictures, no value dispute the other is told to do full BPO. When they go back to submit the work, the lenders request is cancelled. Why is the bank stalling to finalize this shortsale. The current buyer has to move out now by XX/XX/XXXX- he is going to have to walk from this sale, again like the other buyers, because the file is not being processed or moved along at fair market value. There are current water leaks in the master bathroom windows, no washer or dryer and AC that does n't really work. We have disclosed all of this to the buyers. Does the bank really want to work with us or not? Please stop wasting our time. HELP!!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 12-04-2015 about Credit card () with BARCLAYS BANK DELAWARE (NC).
Issue: Billing disputes

Complaint: XXXX XXXX, 2015 I reserved XXXX seats on XXXX flight to New York through XXXX. for {$1100.00}. XXXX XXXX declined the charge without notification to me to approve the charge. 10 hrs later my card was declined so I called to find out master card had put a hold on my card suspecting fraud at XXXX. At XXXX I called them to find out they had put a hold on my card and said they would then approve the charge. Assuming all was well I went about my business. But the next day I decided to be sure the flights were paid for to find out I had to use that day cost of flights and it was {$240.00} more. XXXX lied on their records that they had tried to call me. I called them 10 hrs. later and I am on a fraud call list. I want master card to honor their costing me {$240.00} more. Per their notes they lied about calling my cell or texting as they have read me the notes. I want justice now

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 06-08-2015 about Mortgage (FHA mortgage) with SUNTRUST BANKS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: My bank neglected to notify me that my escrow was behind. 
After not notifying me they sent documents to my bankruptcy attorney advising they did notify me. 
I made my payment every month for the amount I thought was due. 
I spoke to the bank and was advised that. They did not notifyme because of the automatic stay. My attorney advised theywere sent a release letter so they could advise me. 
My loan payments has increased since my bankruptcy andI was notified. In an effort to resolve the issue I calledSunTrust bank and asked what is owed. They refused toto tell me and refused to allow me to make payments. 
They advised we want to go to court even though weknow you are trying to fix this. They have {$1700.00} in escrowplus I sent an additional XXXX even though they refused. 
My payment now is XXXX I have been advised. The first {$2000.00} I sent afterthey refused my phone payment was made electronically from my account. I called to verify receipt and was told we got XXXX on XXXX XXXX 2015. This must be wrong I haveproof you got {$2000.00} then I was told the rest must have gone to fees. 
I am being forced into possible foreclosure for some reasonSunTrust wants my house not payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02/25/2016 about Bank account or service (Other bank product/service) with SYNCHRONY FINANCIAL (MD).
Issue: Making/receiving payments, sending money

Complaint: I submitted a payment to Care Credit ( Synchrony Bank ) on XXXX/XXXX/16 in the amount of XXXX. Prior to this payment I initially submitted the payment from a closed account and have been trying to get this fixed ever since. Once I made the good payment on the XXXX I was advised by XXXX the payment would take 7 days or post by XXXX/XXXX/16 at the latest date. On XXXX I called and spoke with a csr rep about my available credit update. He stated it would be updated in 24 hours along with the XXXX payment I made. On XXXX my available credit was updated not the payment. I did an online chat in which the rep stated the payment would be released on XXXX. Today I called to see what was going on and I spoke with " XXXX '' again. She is now stating the payment will be released on XXXX ( a saturday ). I said that made no sense and advised her of the transcript. She was adamant stating the payment was too large to release. I then asked her what was impacting my available balance. She told me a dentist office and to call them. I asked her for screenshots of the pending charge and was turned away again. She advised there was nothing she could help me with and continued to forward me to the " dentist '' office for the pending charge that was not showing on their system. I feel very uncomfortable with this agency which is formally GE capital. This is not the way a consumer should be treated.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (CA).
Issue: Application, originator, mortgage broker

Complaint: I received a solicitation from Quicken Loans for a refinance, which grossly misrepresented the facts, and was basically a lie.

Company response to consumer: Closed with explanation
Consumer complaint received 04/29/2015 about Payday loan () with Cottonwood Financial Ltd. (TX).
Issue: Received a loan I didn't apply for

Complaint: I have received a call from XXXX XXXX XXXX XXXX regarding a payday loan. My SSN # has been compromised and I have filed with the IRS and FTC. This company has threatened to serve me papers at my employment, speak to my supervisor regarding a personal business matter and said if the matter goes to court I will have to pay attorney fees which could be XXXX to XXXX the amount of the loan. She wanted to resolve the outstanding balance of {$400.00} to stop the proceedings. I was never given the memorandum and she told me I 'm lying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06-02-2016 about Debt collection (Payday loan) with Ashfield Management Services Inc, (CA).
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint: They are contacting me outside of approved hours. Calling me at XXXX. Called and informed of this issue and still threatened that I 've been served. Over phone and on voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: I paid my bill in full for {$240.00} to XXXX XXXX XXXX/XXXX/XXXX. In XXXX XXXX and XXXX XXXX I was informed by XXXX XXXX Collections that the bill was not paid. I called the original creditor and XXXX XXXX XXXX alerting both to the fact that this bill was paid in full and should not be in collections. XXXX XXXX concurred that the bill was paid in full and that they would contact the collection agency and make a correction as my account was closed and no outstanding debt remained. In the interim my credit watch services continued to in form me of no change in my delinquent status. I was put in contact with Experian and disputed the false information. I informed Experian that I had a copy of the original bill and proof of payment via credit card on XXXX/XXXX/XXXX. I requested to send the latter proof to Experian but they advised me that the dispute was with XXXX XXXX who they would contact and sending this information would not be essential or helpful ( in retrospect very poor advice ). I received via mail from Experian a summary of their so called investigation which just stated that this is my debt and the outstanding amount would be on my file until XXXX. I have subsequently called with Gold Coast Collections again and told that they were not aware of a dispute and they would initiate an investigation XXXX/XXXX/XXXX ; I must add they were very rude condescending and made intimations suggesting that I must be lying and their information was always correct. On XXXX/XXXX/XXXX I also contacted XXXX billing via phone they confirmed that their was no outstanding bill ( again!!! ) and according to their records my previous calls were documented as " hang up calls '', hence the error was not previously corrected with the collection agency although I owed them nothing. I again requested that the correction be made immediately and was reassured that this would be done. 
Needless to say I received no further information from Experian, XXXX XXXX or XXXX XXXX Collections. My credit score has plummetted from XXXX to XXXX do to the lack of action of all XXXX who have all the power to wreck my credit by false reporting and failure to correct the obvious errors. I need my credit restored to its original near perfect status but the consumer is held hostage in my case and I am sure this represents false reporting and unfair trade practices. I am not able to afford a lawyer at this time to insist on these corrections but may not be able to do without one. This should not be allowed to happen and both the origin creditor and collection agency are liable and should be subject to serious fines and monitoring for unfair and malicious practices.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/27/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BARCLAYS BANK DELAWARE (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I have contacted XXXX and spoke to a supervisor name XXXX XXXX. I explained that I contacted Barclay bank and wrote letter several times disputing the numerous inquires on my XXXX credit report. Barclay did not respond as I think someone was trying to defraud me. I put a freeze on my XXXX to account to protect my identity. The Transunion reps were extremely disrespectful, as they told me they dont believe this can happen after one year. I am requesting assistance in having these fraudulent inquiries 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 05-05-2017 about Debt collection (Other debt) with Source Receivables Management LLC (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: I have a a unverified account from SOURCE RECEIVABLES MANAG #  XXXX . I had previously disputed this account. I have never done business with SOURCE RECEIVABLES  MANAG.  Pursuant to the Fair Debt Collection Practices Act ( FDCPA )  15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that SOURCE RECEIVABLES MANAG Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that   SOURCE RECEIVABLES MANAG Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-01-2016 about Mortgage (Conventional fixed mortgage) with CITIBANK, N.A. (TX).
Issue: Loan modification,collection,foreclosure

Complaint: I asked city bank for hardship modification because i was going over some family problems. i was approved around XX/XX/XXXX, but when it came time to make my monthly payments i was instructed by a city bank representative that i had to do my payments online and that it was the only way to make a payment. i will call several times every month to make a payment but the only only answer that i would get from the representative was follow the instructions online which i did but nothing would work. I let the representative know about my problems but their only advice was there is nothing we can do and keep following the instructions. I have never denied my self in making a monthly payment, but city financial does not want to take my payments except on line. I received a letter from XXXX XXXX XXXX/XXXX/XXXX Homeowner support specialist which i have been trying to contact since without luck. on XXXX/XXXX/XXXX i received a Foreclosure in process statement for lack of payments. city bank would not take into consideration that i was approved for hardship modification loan. city bank does not want to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 09/19/2017 about Debt collection (Other debt) with Credit Protection Association, L.P. (IL).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: NAME : Credit Protection Association ADDRESS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Website : www.creditprotect.com Scam collection attempt Received numerous phone calls and a letter from Credit Protection Association L.P. Claims I owe money to XXXX XXXX in the amount of {$420.00}. I am positive I never used XXXX XXXX services. 

The letter claiming that my account has been turned over for collections as of XXXX XXXX 2017. Collector is Credit Protection Associates L.P. 

Original Creditor : XXXX XXXX Account Number XXXX Service Balance : {$420.00} Collection Fee XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (AL).
Issue: Transaction issue

Complaint: I am contacting your agency because I need your help in disputing some charges done on my Capital One by some fraudulent companies. I have paid several companies thousands of dollars for various online business related and have found myself as a victim of a professionally orchestrated scam. After I paid one company my phone got inundated with calls from these companies offering me their services. I would like you to investigate all charges done on my Capital One card by the companies : XXXX, XXXX, XXXX charged last year between XX/XX/XXXX and XX/XX/XXXX. I realized I paid thousands of dollars for these companies. I have been lied to and charged for services that have not been provided as promised. They have used false and misleading tactics and it is clear that they never intended to fulfill their end of the deal. I tried to resolve directly with and get my refund but they ignored my requests.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Debt collection (Medical debt) with Applied Business Services, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have corresponded with this company multiple times and each time I 've told them this is n't my debt and I 've requested validation as well. They recently sent me what they deem validation but it does n't belong to me. It 's a copy of a  XXXX   XXXX    XXXX    check where she paid  XXXX   XXXX   XXXX  a {$10.00} payment. I 've never lived in Texas and my name is n't  XXXX   XXXX . With all the identity theft going on they 're not careful enough to protect other people. It also has an address I 've NEVER heard of or lived at and has some  XXXX   XXXX  as my significant other. The only  XXXX   XXXX  I know of is the   XXXX   XXXX  .

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: Hello my name is XXXX XXXX. I applied for my credit report on line from Annual Credit Report.com. I filled out all of the information sheets. XXXX and Trans Union wanted a questionnaire filled out of personal info I should known. I filed the form out and XXXX refused to give me my on line report XXXX wanted me to write in for the report. I fill they are discriminating and would like to file charges. Please follow up so I 'll know what to do how to file.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (KS).
Issue: Other transaction problem

Complaint: My Coinbase account has been locked out for over a month now. At one point I transferred over {$5000.00} from coinbase to XXXX. I tried to switch the bank account from my checking to my savings on Coinbase and at that point it would not let me re-add a bank account and it locked my XXXX account as well ( features of my Coinbase account are also locked ). I was invested in XXXX and the amount to which is now in there is much greater than my initial investment. I have called and submitted XXXX tickets and I can never get a clear answer as to why it was locked and when it will be unlocked. Tax time is coming up and I am concerned if nothing is done I will not know how much I have made off my investment. 

My Coinbase case numbers are XXXX and XXXX ( this XXXX created on XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 02-01-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
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: I contacted Equifax on XX/XX/XXXX to dispute information on my credit report. 
There are accounts on there that NEED to be validated due to my identity being stolen by a family member. On XX/XX/XXXX ( which is technically AFTER the 30 day mark ) Equifax provided me with a response stating that this accounts belong to me WITH NO INFORMATION OR EVIDENCE to SHOW that these accounts are mine. I have gotten these accounts removed from my XXXX report after they completed their 30 day research with no problem at all! The account they did verify had a XXXX balance and was paid off before it went in to collections/charge off is still showing on my credit report EVEN THOUGH THEY VERIFIED THIS INFORMATION.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/19/2017 about Debt collection (I do not know) with Diversified Consultants, Inc. (VA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: This company, named DCI, has reported an account in my name from XXXX, that I do not have a contract with, and I have also never received any communication from them about said debt. They were disputed in XX/XX/2016 and removed by XXXX shortly after during the same month because they could NOT validate. 

They then sold this account to a company named XXXX, who, too, could not communicate with me about origin/validation of this account being connected to my name and social. 

In XX/XX/2016, they re-obtained this account, and have re-reported it to my account, now using a NEW name -- " Diversified Consultants INC '', instead of " DCI '' I have never received a dunning letter/ nor debt validation, describing how my SSN/NAME is connected with this alleged account from XXXX ; I am a XXXX customer. 

If they continue to report or sell it to another agency, I intend to sue due to debt collection violations/company misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 08/27/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with CL HOLDINGS LLC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX sent me to collections for a debt I do know owe nor have knowledge of. I 've asked for info from the collection agency and they refuse to tell me anything saying privacy reasons. I can not dispute it without proper information.

Company response to consumer: Closed with non-monetary relief