vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: SC

Complaint narrative:
For the past two years, I have been receiving calls for years about a debt that I do not owe. This debt is an online cash advance. After confirming that I do not know about this debt, they perceive to continue to call me and even contacted my husband through text about this debt. I have asked for documents and was told that I had received documents back in XXXX. However, I can not get anyone to give me documents or a contract for this loan. In the month of XX/XX/XXXX, I have been left with messages stating there will be court documents sent to my home and work location and my wages will be garnish. Today XX/XX/XXXX, I called XXXX and ask for them to proceed with their court threats because I do not owe anyone. I also asked for their name and was told " XXXX XXXX. '' In addition, I was told that I owe this company over {$800.00}. This company had the last digits of my social security and the name of the bank. I was given options to settle out of court. I then asked for the original creditor 's name and was told " XXXX XXXX. '' I proceed to look up these names through the web and found extremely negative information such as " scammers. '' After being harassed for years, I need to know what is going on!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
I refinanced my home mortgage in XX/XX/XXXX. The mortgage was with XXXX. 
They financed {$100000.00} & my home was only worth around {$50000.00} at that time & I only owed {$35000.00}. They said I could use extra money for whatever I needed it for. I have made monthly payments of {$840.00} since XX/XX/XXXX. I have repaid over {$120000.00} on this mortgage loan & it will not be paid of until XXXX. In XX/XX/XXXX XXXX sold the mortgage to Rushmore Loan Management Services. I have an interest rate of 9.6 % & the balance on the loan is {$89000.00}. I have tried to do something through the HARP program, but was told my mortgage did not qualify because it was not a XXXX XXXX or XXXX XXXX. Just wanted to know if there is anything I can do to get my interest rate lower so that I can pay of my mortgage in my lifetime. I am XXXX years old & married. My wife is currently going through XXXX treatment for XXXX XXXX. 
Any advise would be appreciated. 
Thanks!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
I received notice in XX/XX/XXXX from XXXX County, Maryland that my taxes were not paid for the end of year XXXX. The amount due was {$1300.00} with interest if paid in XXXX of XXXX. I first went to the website and emailed them about the issue and have still never received any return email from them on the issue. I called my mortgage servicer ( Loancare ) during the first week of XX/XX/XXXX to see what the problem was. They were not able to give me much information, but gave me a fax number XXXX XXXX ) to fax the bill in to their Escrow department for payment. I faxed the tax bill to them on XX/XX/XXXX and called about 5 days later to confirm they received the bill for payment. They acknowledged receiving the bill and said it would be paid by XX/XX/XXXX. When it was not paid by XX/XX/XXXX, I called by and spoke to XXXX ( ID # XXXX ) and he escalated the issue and said it should be paid within 48 hours. I called back on XX/XX/XXXX and was on hold for about 20 minutes before being hung up on. I called back and spoke to a customer service supervisor name XXXX ( ID # XXXX ) and explained my situation to her. She wasn't sure why it hadn't been paid and she needed to speak to the Escrow department, but said they don't take incoming calls, so she needed to email them and wait for response. She said she would call me back the following day. As of XX/XX/XXXX, I have not received a call back on the issue.

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 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called XXXX XXXX and they reported that it showed that the amount had been paid in full on the said date. 

However, Equifax is still reporting the debt as owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I paid off my American Honda Finance account in XX/XX/2017 as obligated. The company placed a late payment of 30, 60 or 90 days when that was not the case. The disparaging information works to my detriment. I am requesting that American Honda Finance immediately remove the negative reporting from my XXXX records.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This company XXXX XXXX XXXX has been calling and emailing about a made up debt that I do not owe. I have NO outstanding DEBT. I do not know if this is some identity theft group of criminals or simply a 100 % pure Scam as this company has thousands of hits saying it's a scam organization and a few years ago it was sued and banned form debt collection by the Federal Trade Commission for this very thing. They called my office and repeatedly attempted to verify who I was and would not give me any info as to who they are. They call my cell phone under various out of state numbers but leave no information. I have Zero credit card debt, loan debt, payday loan nonsense, no medical bill debt, outstanding charges on ANY credit card, or ANY debt from ANY unpaid bill. I resolved a bill in it's entirety - for which I have documentation - for my ex-husbands home owner 's association in XX/XX/XXXX and there was a debt collector that got my info as the bill had been overlooked in the divorce. I assume that is how these people targeted me for this scam. Please advise.Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX, Transunion, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.

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 2018-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX, Experian, XXXX, have been reporting incorrect items on my credit which my family and I tremendous turmoil and hardship. I have submitted a total of 3 letter disputing the issue including submitting court documents reassuring my claims to no vial. 
enclosed, please find letters with supporting documents previously sent to the companies above.

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 2018-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
On XX/XX/2017, my bank credit card was charged {$490.00}. I didn't authorize the charge. I contacted my bank, Capital One, to dispute the charge. I followed the instructions of Capital One Customer Fraud Protection Unit. They said no fraud was committed, based upon XXXX XXXX City Marshal 's investigation. I believe that XXXX XXXX City Marshal didn't do due diligent in their investigation. So, I was responsible for the {$490.00}. I believe I took the appropriate steps to dispute and prove that fraud had been committed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX we called Bank of America from XXXX XXXX XXXX to get my credit card number and pay off amount so that I could do a balance transfer. I was told by XXXX that our pay off amount was {$14000.00} so XXXX at XXXX submitted the balance transfer for us. Now Bank of America is trying to collect an additional {$260.00} from us. Today XX/XX/XXXX I called and talked to XXXX XXXX who told me she saw in the records that we had called and were told to call back when the balance transfer posted so that Bank of America could waive any fees that may have happened during the balance transfer transaction. WE asked to talk to a supervisor XXXX handed us off to her supervisor XXXX XXXX who then tried to collect the {$260.00}. We told her that we were told the fees would be waived. She then told me she would need to call me back.

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 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX at around XXXX XXXX I was victim of internet crime. I was trying to make a transaction of money from my XXXX account into my Coinbase account. 
I was trying to convert Tron in lite-coins in my XXXX, in order to send to my Coinbase account and I couldn't, and so I decided to call to XXXX Customer Support number I found on XXXX. I called and immediately someone answered by the name : '' XXXX ''. He said he would help me resolve the issue and instructed me to give him access to my XXXX account. Then he said there was something wrong with my Coinbase account and that this was the reason for why i was not able to do the transaction. He then asked me to give him access to my Coinbase account. Within a minute, I had no balance on my Coinbase Account, where I previously had 2 bitcoins and 8 lite-coins for an amount of {$22.00}. I asked him why my balance was at XXXX and he said that I would have to wait a couple of minutes an the hung up. In my desperation, I called again and no one picked me up. I searched for other number to call and they did not pick up either. I finally received a call back from one of the numbers I had previously called. I spoke to " XXXX XXXX '', and he told me I was hacked, and that in order to retrieve this money I would need to send him {$1000.00} in Gift Cards. I did not believe this and hug up. I have contacted to coinbase immediately explaining and they told me to file this report at that time. 
The numbers that I called were supposed the Customer Service Support of XXXX are : XXXX - this is the initial number I called, where I talked to XXXX. 
XXXX - Extension XXXX this is the number that called be back and asked me for XXXX $ in Gift Card, XXXX XXXX ... and few days after still was calling me at home. 
XXXX ; XXXX ; XXXX ; and XXXX, these number are still on XXXX as a XXXX Customer Services, and timing every day. They do not only stool my 2 bitcoin and 8 litecoins from Coinbase, they also stool my IOTAS and TRON from my XXXX Account ( around {$3.00} ) I am so desperate. 

In other hand I had Money in transit from my bank account to Coinbase at that time for XXXX $ us that is why this hackers did not took that amount too. Coinbase sent me a confirmation of that amount arrived on my account on XX/XX/XXXX, but I couldn't see even that statement, because since Coinbase knew about this problem and received this complaint, they blocked my account I understood that, but since that time, I have been calling every day ... but nobody tell me what is going on, I dont't know nothing about the amount of XXXX $ and even they told me that the other amount of XXXX $ is on my account, I never have access to my account, they said that they will communicate with me, but it is almost one month, and I don't have any news from y money or my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo Bank Account # XXXX was paid in pull on XX/XX/2018, in the total amount of debt owed which was XXXX. However, it is still being reported by the credit bureau that it is not paid. In addition, XXXX credit bureau is showing the debt has been satisfied. I called Wells Fargo and they reported that it showed that the amount had been paid in full on the said date. 

However, XXXX is still reporting the debt as owed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
I paid XXXX on my mortgage in XXXX with XXXX XXXX XXXX XXXX. The branch I would normally use was vacant suddenly in XXXX, so I went to the next tired over to that branch. In XXXX, they sold my loan to Nationstar and I requested my payments log. The 3 payment I made in XXXX are no where in the paperwork. Nationstar has been saying I'm behind since they bought the loan and I can't refinance but these payments XXXX were never applied, thus showing me as behind even though there are no missed payments and had been on auto pay. I've sent both companies this receipt and asked to update my payoff amount to reflect the payments for the receipt I have. I've sent notice of Error letter certified mail, fax, and email. Nothing. 
I figured XXXX wouldn't correct the ER they made so I sent Nationstar/Mr. Cooper this info twice and they won't acknowledge not update my loan either. I want to pay off my loan but I can't get an accurate payoff amount and they're saying I'm behind but I'm not, the payment was never credited to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Problem with customer service — 
Company: KEYCORP
State: IN

Complaint narrative:
( Short version ) A cashier check from Key Bank was issued to me in the amount of {$5400.00} for a mortgage credit balance as of XX/XX/XXXX. 

This cashier check was dated XX/XX/XXXX. The memo line on the check identifies as credit balance to my mortgage account number. 

On XX/XX/XXXX, this cashier check was cashed by my personal bank, XXXX XXXX XXXX. This is the bank where my checking and savings account is held On XXXX XXXX, XXXX XXXX XXXX was informed of a stop payment on the Keybank cashier check and in turn XXXX   told me this. 

No reason as to why ... .Initial thought was it being cashed 30 days past issue date requireing a replacement check. Prio to cashing the cashier check, I walked into a local Keybank where the branch manager confirmed the check was still valid. 

From XX/XX/XXXX and up until XX/XX/XXXX, many calls were placed to Keybank and their representatives. Nobody could give me information. The only progress made was when they asked me to fax them information that the check was cashed. I did so, but again, no answers. Not until XX/XX/XXXX when I called and informed them I wanted an answer by the end of the day because I was filing a claim. Finally ... .. information. 

I was told by a supervisor that the information she had was the cashier check was sent in error and my attorney was advised of this and not to cash it on XX/XX/XXXX. Yes, the date was repeated at my request. 15 days after it was cashed, I am told my attorney was advised not to cash it. 

I havent heard from my attorney since XX/XX/XXXX and last conversation we had was he hadnt heard back either if the check needed to be reissued. 

For 2 months my checking account has been held hostage with a negative account balance. It has incurred over {$300.00} in fees. Just recently, encompass has set it aside so I can use my account until Keybank honors their cashier check. 

Please re-issue this cashier check and honor it as it was issued on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In early XX/XX/2018, I tried opening an account with Citibank and was approved online. Following that, I got letters about my account number, a signature card and providing a state Driver 's License/ID. I immediately responded with a state ID and driver 's license and the signed signature card. I need the debit card to actually use the account and deposit into it as it's required for registration online. Nearly a month goes by and today I call Citibank to ask why I haven't received any feedback or my debit card. It turns out they " rejected '' my ID and DL for being " too dark '' and that they couldn't " read '' it. They were perfectly legible and I think this is a deliberate strategy on the part of Citibank to structurally prevent people from opening accounts. I tried opening a Citibank account years before where I faxed the same ID or DL five times because they kept claiming it was " too dark '' and they couldn't " read '' it. I have faxed a lot of material to banks and other companies over the years and only Citibank has this problem. The customer service agent I talked to confirmed this as he said a lot of IDs were rejected and this was the most common reason. This is deliberate discrimination and I have really soured on doing any business with Citi because of these types of games. I expect this to be corrected or me and my spouse will cancel all our credit cards as Citi is the worst.

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 2018-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Selene Finance LP
State: NJ

Complaint narrative:
We have attempted to modify your loan through Selene Finance. Selene claimed that they can not review the modification package because the package was not submitted within the required time frame of the sheriff sale date and that they wouldn't have time to review it. We have a pending sheriff sale which we got postponed twice and submitted a package in the appropriate time frame. We were previously working with a lawyer at the time that claimed he was working on this modification for us, but it turns out he never was. We are now taking proper steps to get this done and we are hoping to at least get a fair review for a modification this time around.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
During the past XXXX Tax Year, I have made approximately XXXX Credit Card Purchases as a registered Buyer for Auction items listed on XXXX in the USA and payments made through Paypal , Inc. to the XXXX Sellers that listed the items on XXXX. 

How can I accurately pay any State of Ohio Sales Taxes that I owe for Tax Year XXXX, when both XXXX and Paypal are currently denying me any online access or printed reports about XXXX Seller 's Auction information I need to determine my Ohio State Sales Tax liability for purchases made through XXXX on the Internet? 

In Ohio where I reside, I am responsible for paying a 7 % State Sales Tax amount on all taxable items purchased through the Internet with the USA. This Internet Sales Tax is called the Ohio " Use Tax '' levied upon all Ohio residents for Internet purchases. 

XXXX and Paypal Customer Service Departments say they do not provide any Federal, State, Local nor International paid tax information to registered and confirmed users like me about paid-in-full XXXX Auctions. However, XXXX is responsible for including Ohio sales tax for XXXX items sold by Ohioans to Buyers who reside within Ohio or if a company warehouse is located within Ohio. 

XXXX also claims they are not responsible for providing this tax information to consumers because XXXX claims this detailed information is not available after 60 days from the payment date. XXXX CSRs can not explain why XXXX has chosen to automatically erase all detailed XXXX Auction purchase information after 60 days for some undisclosed reason. I am not permitted by XXXX to save the details of the Auction Transactions and CSRs. 

The problem I have is that both XXXX and Paypal deny any responsibility for providing upon request to consumers like me any tax-related information about paid-in-full Auction purchases regarding : 1. ) which geographic location in the USA or foreign country is the XXXX Auction Seller registered, 2. )  where did the paid XXXX Auction item ship from, and/or 3. ) if XXXX collected any tax amount or Ohio Sales Tax on the paid XXXX transaction. 

Paypal processed all of the online transactions and they forwarded the payment amount ( including currency conversion if needed ) to the registered XXXX Seller. Some of the Auction payments sent through Paypal went to XXXX Sellers within Ohio, some Sellers that reside outside Ohio and within the USA, and other XXXX Sellers are located in overseas countries such as XXXX, XXXX, XXXX XXXX, XXXX, XXXX, etc ... 

The XXXX Seller would then drop-ship the XXXX auction items to delivery address that I specified.

Company response to consumer: Closed with explanation