vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Seterus, Inc.
State: NY

Complaint narrative:
Called XXXX, XXXX on XX/XX/XXXX, on or about XXXX pm, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XX/XX/XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XX/XX/XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the XXXX modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XX/XX/XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about XX/XX/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 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
THIS ACCOUNT HAS NEVER BEEN LATE AND WAS CLOSED DUE TO TRANSER. MY CREDIT REPORT STATUS IS IN NEGATIVE. THIS IS INCORRECT INFORMATION AND AFFECTING MY REPORT. STATUS IS CLOSED BUT SHOULD NOT BE IN NEGATIVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
Greetings, I sold an amount of Litecoin on XXXX XXXX at XXXX on the XXXX / XXXX XXXX. I then immediately initiated a wire transfer back to my XXXX XXXX bank account in the amount of {$10000.00}. 

The date today is XXXX XXXX. I still have not received my funds! 

I opened a case with Coinbase on XXXX XXXX, I 've direct messaged Coinbase support on Twitter, and I 've called their support line, but have received no response at all. 

The transfer shows as complete in my account history, however XXXX XXXX has no record of an incoming transfer to my account. [ and my account info for the transfer is correct ] Its been 9 business days, its starting to look like Coinbase stole my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I did a transfer of XXXX litecoins valued at approx {$250.00} each from XXXX to XXXX. The transfer process is noted in my account as pending. It usually only takes an hour. Its now 24 hours and still says pending. No one has responded to my emails asking for an update and why taking so long.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CMRE Financial Services, Inc.
State: AK

Complaint narrative:
CMRE Financial Services was reported to my credit in XXXX of XXXX. I have never received a letter or notice that this debt existed giving me the opportunity to dispute it before it was reported on my credit. I have not been in a hospital in years. It also appears that this {$59.00} debt is for a hospital in California.I live in Alaska and could not have incurred this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: SpeedyCash, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, XXXX, my vehicle was repossessed by XXXX XXXX XXXX Speedy Cash. I was informed that on XX/XX/XXXX that it was sold but I have not received anything from them except when the vehicle was repossessed and on the XX/XX/XXXX when I spoke with someone at their office to find out what the cost would be. The original amount that I borrowed on approximately XX/XX/XXXX was {$170.00} and on approximately XX/XX/XXXX the remaining balance was {$150.00}. On XX/XX/XXXX, the cost was {$310.00} to pay off the debt. I still have n't been contacted by this company about anything, and I have been unable to get the rest of my personal property and tags and registration from them. I was under the impression that according to Georgia law that I should have been notified by certified, return receipt requested that it was too be repossessed and sold. At the time I got the loan, I did n't get a copy of the paperwork. I feel like I have been deceived by their practices.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
So when I app for credit once creditor receives my accurate report but the after I apply to another creditor my credit report file has no information ... ..resulting in a denied application. I recently disputed these inquiries as false information and nothing has been done as of now, so Im going to provide proof as they reporting inaccurate information to the creditors I applied too. 

My credit report is attached as proof from Equifax!!! 

XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX  - XX/XX/2017 XXXX XXXX - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
XXXX XXXX INCORRECT STATUS OF LATE PAYMENTS. i HAVE BEEN ON TIME ON ALL PAYMENTS

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I was opened an XXXX XXXX XX/XX/XXXX. 

Card was sponsored by XXXX XXXX : Address : XXXX XXXX. XXXX, FL XXXX I have made one purchase on that XXXX Card in the amount of {$36.00} on XX/XX/XXXX. The Only 1st and last Purchase I have ever done on that card. 

I made full payment on the exact amount on XX/XX/XXXX with XXXX because they said, they have't received the check i mailed to them. XX/XX/XXXX. 

On XX/XX/XXXX, I called back XXXX and they have confirmed they have received the money and no balance or charges in the account. Since, they no transaction made on this card by me or other parties. 

XX/XX/XXXX, I found a collection account opened by XXXX XXXX XXXX They reference purchasing this account from XXXX XXXX. 

At the end of XX/XX/XXXX, I have contacted XXXX XXXX Department, but they told me the account was sold to Midland. 

I only Made one transaction on that account and it was {$36.00} which I paid in full. 

They did n't had good answer so, they told me contact XXXX XXXX XXXX which is A collection agency who put this on my credit history. 

on XX/XX/XXXX, I wrote a letter to _ XXXX / XXXX XXXX and XXXX XXXX, On XX/XX/XXXX, I received letter from XXXX XXXX Stating this account / matter relating was sold to XXXX XXXX XXXX, on XX/XX/XXXX I have not heard from XXXX XXXX XXXX - now the account balance on record is {$180.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: SHAPESHIFT AG
State: MD

Complaint narrative:
On the XXXX of XXXX, XXXX at XXXX I sent XXXX Bitcoin ( XXXX ) to Shapeshift 's service in exchange for XXXX Ripple ( XXXX ). The value of XXXX at the time was approximately {$17000.00} which would equate to ~ {$720.00} and the value of XXXX was approximately {$.00} which would equate to ~ {$710.00}. However, this transaction and Shapeshift has now held my funds without allowing any access when I was supposed to immediatley recieve my XXXX  XXXX.

Shapeshift 's support team has now reached at to me and said they will refund my original XXXX in the next coming days. However, my original XXXX amount is worth only ~ {$520.00} and the XXXX I was supposed to recieve is now worth {$2000.00} as of today,XX/XX/XXXXI have demanded to recieve the XXXX but their support team is of no help. They claim that any errors in their transaction will result in an IMMEDIATE and AUTOMATED refund of the original payment method but they have failed to do so. So, they 've now held my money for 15 full days.

Many other have the exact same issues as I 've seen on forms such as XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Mortgage debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Called XXXX, XXXX on XXXX/XXXX/XXXX, on or about XXXX XXXX, to report XXXX payment will be late do to circumstances beyond our control and that payment will be made on or before XXXX XXXX, XXXX. I asked that the missed payment not be reported to the credit bureau. I asked for discretion in this matter. The agent stated that by law, the missed payment must be reported. I disagreed and asked to speak to a supervisor. A person came on the line that was extremely belligerent, argumentative and unkind. He spoke over me and scoffed at the idea of good customer service. I questioned whether he was a supervisor because of his demeanor and asked for his name. He said his name was XXXX and then he spelled his last name as " XXXX-XXXX-XXXX-XXXX-XXXX-XXXX '' Essentially, he told me to XXXX XXXX. He threatened to liquidate my home for the missed payment because he said the missed payment indicated I could not afford to repay the loan, so they would have to take the house. I indicated that since we have been in the Loan modification progam, this was the first missed payment. He said he did not care. I asked that the missed payment not be reported because we will be making the payment soon. He said it was a federal law that it had to be reported. I asked what law was that. He said I had to do my own research. Mean while he was yelling and very hostile and talking over me. He also was very offensive. I would like the recording reviewed and he be dealt with appropriately. I would also like an apology for the offensive behavior. Further, I would like the reporting to the credit bureau of the missed XXXX payment waived. The payment will be made on or about XXXX XXXX, XXXX. There is a discrepancy with the wages the payment will be made from and we will not have access to it until on or about XXXX XXXX, 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 2017-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Carvana Group, LLC
State: TN

Complaint narrative:
On XXXX XXXX XXXX, I purchased a vehicle from XXXX XXXX Lot - Tennessee, XXXX XXXX XXXX, XXXX, TN XXXX. The vehicle was for a XXXX XXXX XXXX XXXX 4 Door. The cash price was for {$9900.00}. Accordingly, the loan was for 27.90 % APR charged on daily simple interest. However, Tennessee Law only allows 10 % interest to be charged in accordance with Tenn. Code. Ann. 47-14-103 ( 3 ). Accordingly, XXXX XXXX Lot - via the Third - Party Administrator, XXXX XXXX XXXX , XXXX overcharged me by over 17.90 % interest during the life of the contract. Therefore, I 'm subject to lending fraud and usury interest. Therefore, the Simple Interest Retail Installment Contract is fraudulent and illegal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have a mortgage that was transferred to Mr Cooper, formerly Nationstar. Since they took over the mortgage, they have failed to pay my insurance, causing a lapse in the coverage, despite repeated attempts on my part to get them to pay it. The insurance and taxes are paid from our impound accounts that they collect each month. 

On XXXX XXXX I called them because I received a notice from the county of XXXX XXXX tax collector stating that they had failed to pay a bill for unsecured property tax. I called the company and spoke to XXXX, and then his supervisor, XXXX XXXX. I asked them to pay the tax and refund me the penalties. The bill on that date was for {$130.00}. Taxes were XXXX, penalty XXXX, and collection cost of {$20.00}. 

XXXX told me she would contact the assessors office and resolve the matter. She told me it would take several weeks but that she would handle it. 

This week I received a notice of lien on my property for the same bill. The amount is now {$160.00}, taxes still {$100.00} and penalties of {$10.00}, {$1.00}, and {$49.00} of collection costs. I called the company 4 times yesterday, XXXX, and could n't get through. The first time I was instructed by the automated service to leave my number and expect a call back, and two hours later the automated service told me to call back later, they were too busy. 

I had perfect credit prior to this situation, I want Mr. Cooper to pay my taxes, refund me the penalties and make my credit right again. I ca n't get them on the phone to help me, and every time I speak to one of their representatives, they tell me they will fix the situation and do nothing. 

I would also like to move my mortgage to another lender. I have had this loan since XXXX and it has been transferred to 4 lenders now, they are by far the worst. 

What are my recourses here? 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent the credit reporting agencies EQUIFAX and XXXX as well the COLLECTION AGENCY XXXX XXXX XXXX XXXX, and the alleged creditor XXXX XXXX XXXX  certified documents in refrence to an alleged debt, stating per federal reporting regulations and the MANDATED COMPLIANT Metro 2 format reporting standardsof practice any and all items of adversary or derogatory nature must be certified as entirely true, accurate, complete, timely of documented ownership, of undoubted responsibility, and documented testimonial certificate of compliance marking undeniable lawful standing of claim. per law any defiient of substantial and evident matters of facts would be unethically reported and  even illegally reported. My state and federal laws alike agree that neither willful nor ignorant disregard is acceptable so I demand here today RIGHT NOW, that the allegatuions in challenge be eradicated in full or else wise demostrated in its entirely to be compliant in every aspects of its reporting. to retain much less report otherwise would be a vile misrepresentation and done so in unlawful and injurious infraction of mandated compliance laws. The curentlyunfounded and even not certified true or correct misinformation of such is misreporting is as follows and must be deleted immediately so please do so with delay.Alleged Reporting data Provider, Collection Agency: XXXX XXXX XXXX XXXXOriginal Creditor: XXXX XXXXNot Proven Compliant Account: XXXX** THE ORIGINAL CREDITOR XXXX XXXX HAS NOT  RESPONDED TO MY REQUEST,AND XXXX XXXX XXXX FAILED TO MEET MY REQUEST. (PLEASE SEE ATTACHMENTS) ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: CO

Complaint narrative:
I am currently residing in XXXX but I got my driver 's license in XXXX. I used my XXXX driver 's license to verify my Account with CoinBase. CoinBase is stating that XXXX  does not support Coinbase and my account is suspended indefinitely. I was not actually in XXXX during anytime I have held an account with them. Their help page states to withdraw all currency, however, I am unable to access the option to withdraw my money. I do not have access to any of the XXXX dollars that I had invested with them. This is very distressing and any help that you can provide will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
I called Ditech Insurance Company about my account and over due payments on XXXX XXXX 2017, to get my account up to date. I called and spoke with a Rep regarding options I may have. my account has been mis-management by this company on several occasions and this time has taken the cake. I told the Rep that I have approximately {$2000.00} in an account labeled unapplied funds. I told the the Rep that I would like these funds back and I would put it together and make up the difference so that it will be a full payment for the month. She said she would put in a request and that I should the funds mailed to me in 3-4 days but that because of the holiday 's it might take a little longer. She also said she does not know if they would honor sending the money back to me because my account is past due. I told her that that 's my money that Ditech is gaining interest from that money in the account and it not even being applied but every month I 'm assessed a penalty which has been going on for 4 years. I told her that I will take legal action regarding this holding of my money and not returning it to me and illegally gaining interest and not applying it to my account. Plus, I am assessed lates fees. If there 's any company that should be investigated it should be this company for the illegally practices they do.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: TX

Complaint narrative:
I have received a response to complaint # XXXX along with documents provided related to this account. The response does not satisfy my concerns. XXXX XXXX supplied documentation and again the information they are reporting to the credit is in fact incorrect. Compliance Specialist, stated XXXX XXXX provided documents for a repossession on account number XXXX. However, if she reviews the account data she will notice the information is incorrect. The address listed on the notice is incorrect. The address was XXXX XXXX, XXXX, TX XXXX. XXXX XXXX was fully aware of the correct address. They can reference the correct address by reviewing account number XXXX. In addition, representative XXXX XXXX (possibly misspelled) was contacted on XX/XX/XXXX @ XXXX CST @ XXXX ext XXXX and was provided with the address details. In addition, XXXX would have supplied a change of address as one was on file since XX/XX/XXXX. Any notices sent from XXXX XXXX would have received a return change of address. Again, XXXX XXXX at the correct information for their files. The documentation within itself contradicts what XXXX XXXX notes in her letter. It is not my responsibility as a consumer to advise a data furnisher or credit bureau what is reporting incorrectly. Related to account number XXXX, the information provide contradicts the documentation provided as well as what is being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NORTHSTAR FUNDING INC

Complaint narrative:
1. XXXX XXXX XXXX ( a title company ) did not pay off the existing loan by wire transfer as required by the existing lender 's attorney who supplied wiring instructions to NorthStar Funding Inc ( the Mortgage Loan Originating company ). Instead, and for unknown reason, XXXX XXXX sent the payoff funds by check. The result of the delay in payment was that the clients, XXXX XXXX and XXXX XXXX, were forced to pay an additional {$1300.00} in payoff funds to the lender because of changes in exchange rates and approximately {$1600.00} in fees to their attorney for attempting to obtain a refund from XXXX XXXX and NorthStar Funding. 
2. The lender 's attorney states that he received a scan of what appeared to be a copy of a payoff statement that was " grafted '' onto a page containing his letterhead and signature. One of NorthStar Funding or XXXX XXXX is the author of this " grafted '' statement. Such breach of trust is serious and the clients demand an explanation. 
3. The clients requested the name of the companies ' malpractice ( errors and omissions ) insurer. The comanies refuse to provide such. 
4. Although 4 months have passed since they collected their fees in this transaction, XXXX XXXX XXXX and NorthStar Funding have yet to provide their clients with documentation showing that the previous mortgage has been discharged and is satisfied of record.

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