vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I purchase a Gap waiver clause with my automobile loan from the bank. The car was total and now they keep saying its my responsibility to pay the loan until the insurance company pays the bank minus my dedu. The loan was due on the day of the accident. When I found out that the car was XXXX I went to the bank on the XXXX of XXXX 2016 and reported the lost of the car, I ask should I still make a payment? and the manager of the bank in XXXX, N.Y. Told me she was going to put in a claim immediately so not to pay because it will go to the collection and they will get in contact. Now they are claiming that my insurance did not response quickly they want me to pay for the time they took to settled this matter.. They also change gap company while this was going on. When I research on the computer who was handling banks insurance claim I saw it was the same company I had my insurance XXXX and then their change it in XXXX I do n't know who their covering but its obvious its not me.. I wrote to previous about this matter and did not hear from you. Forwarding letter of my correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am trying to buy my first home with section XXXX homebuying it has been a long process, I was told that only to banks in the area do this types of loans so I called XXXX after speaking with a mortgage officer at Santander bank and him pulling my credit twice I was told my score was to be at XXXX. I was at XXXX and he was like that 's ok if it 's the same they are willing to do a rapid rescore. After doing everything he ask and dropping all documents off to him he now states he is unable to do my loan that I should find another bank to help me. I have done everything I was ask. He also talked about other loan then emails me to say that they are unable to do those types of loans with section XXXX homebuying. I now have to dents on my score due to his not telling the truth he also did n't state that the bank required a XXXX score in order to be approved. I been turned down by many banks that are not willing to help because I am doing section XXXX homebuying. I have called and called and everyone says no we do n't do those types of loans. I not sure what they mean seeing that it is a subsidy to pay a portion of my mortgage.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL

Complaint narrative:
There are numerous inconsistencies and discrepancies with Nissan Motor Acceptance Corporation 's reporting to the XXXX major credit bureaus. I have never made a late payment and have spoken with customer service on numerous occasions to correct this matter. I have been assured numerous times that it will be corrected and updated but it has been months with no results. I request the following corrections be made : 1. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX 2. XXXX - there is no account being reported and the account needs to be updated, reflecting ALL PAYMENTS CURRENT. 
3. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: WI

Complaint narrative:
I 've been receiving calls from ( XXXX ) XXXX trying to collect a debt that I do not owe. I 've blocked the call, but the caller keeps leaving messages. These messages are recordings urging me to call the company back.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: UT

Complaint narrative:
I have had XXXX vehicle leased with GM Financial. In XX/XX/XXXX, my credit union bank account was compromised by fraud and my XXXX banking payments we stooped for XXXX days. Because of this my car payment to GM Financial was not sent to them. I never received any late notices because GM Financial had never updated my address, after multiple times of trying to update it with them. After I received a phone call from them XXXX months later I realized what had happened. I sent GM Financial a letter I received from my bank explaining this situation was beyond my control and was in fact their fault, but GM Financial refused to remove the XXXX late notice to all XXXX credit bureaus, but waived the {$50.00} late fee. Most recently I lease a new car with GM Financial, XX/XX/XXXX, I never received any statement or documentation of the account number, until XX/XX/XXXX. I called several times to check on it and when the payment was to be due, maid the XXXX payments in XXXX and they again waived the late fees and said because it was their fault nothing would be reported to the credit bureaus. On XX/XX/XXXX I received notice there was in fact a XXXX late posted to all XXXX credit bureaus for this new account. I called GM Financial that they claim they never reported it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
gm financial made a hard inquire on my credit report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: High Point Asset Inc
State: UT

Complaint narrative:
I was contacted by a company calling themselves " High Point Assets '' ( phone # XXXX ) regarding an " outstanding payday loan issued to me in XXXX of 2013 ''. I did not apply for or receive a payday loan at that time. I wouldn simply have ignored the call and considered it a waste of my time except the person had the last XXXX of my XXXX and the name of my bank for " verification purposes ''. This makes me alarmed that they have collected other information about me. This is obviously a scam and I 'm doing my best to report them to all of the relevant agencies for investigation. Please do your diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
I have gone through the probate court and have Letters of Administration for my fathers estate. His home is currently in escrow, as of XXXX and the reverse mortgage company filed a default letter and formal estate sale proceedings in XXXX despite their knowledge that escrow was in place. I am the title company have had multiple contacts with RMS to keep them apprised of the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX bank and hit my credit once

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: HANCOCK WHITNEY BANK
State: CA

Complaint narrative:
My parents and I own a rental home in XXXX XXXX, Louisiana. We each own XXXX % interest in the property. The residential home is worth according to XXXX approximately {$68000.00}. In XXXX, we purchased the home and paid off the mortgage. A local bank, XXXX XXXX, provided us a {$35000.00} home equity line of credit at that time and took a first mortgage on the property. This loan was subsequently shifted to XXXX and now Whitney Bank due to bank acquisitions. We have a XXXX month history on making on-time payments for this home equity line of credit. XX/XX/XXXX, we were contacted for the first time by a representative from Whitney Bank stating that the term on the line of credit was expiring in XXXX XXXX and we needed to provide tax returns and financial statements for review. My parents and I submitted this information within two weeks of the request. Prior to this email requesting financial data, we have never heard from any representative at Whitney Bank despite being a 25 year client with a performing loan. XX/XX/XXXX, I was called by the representative from the bank and informed verbally that Whitney Bank was not going to renew the line of credit. They would offer us a term loan to payout the balance. When I inquired as to the reason for this decision, I was informed verbally that we were n't using the line properly. Our issue with Whitney Bank is that there was no outreach by them to connect with us as 25+years customers of the bank. There were no communications from Whitney Bank on any defaults on the terms of the loan. Nor were we given an opportunity to correct any defaults. Our complaints also include poor customer service from Whitney Bank and lack of investment in the minority community. If we were not in compliance with the terms of the loan, why would the bank representative ask us for tax returns and financial statements. If we were in default of the terms of the loan, then why request financials and tax returns?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: KY

Complaint narrative:
I received a call from a company stating that I had XXXX outstanding payday loans from 2011. I was told that I had taken out an online payday loan in the amount of {$400.00} on XXXX/XXXX/11 and another in the amount of {$450.00} on XXXX/XXXX/11. I disputed these charges. The company claimed that they could not provide me with any documentation supporting this claim and they refused to give me any contact information for the lenders in question. They had my bank account number, the last XXXX of my SSN, and my email address. I repeatedly stated that I did not take out any online payday loans, and after repeated requests for more information I was advised to do my own research.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
When I logged into my account with Ace Cash Express, I was surprised to find that I could not log back out. All of my personal information was there on the page including SS #, birthdate, check routing number and account number, my address and phone numbers. When I pushed the back button, it asked me to sign in again but no logout! None of their pages have a logout so I called them. I have been hacked in the past and worried that anyone could just pull up my page history. XXXX then rudely said that I probably just need to look around for the button. This was ludicrous to me as it does n't exist which she later admitted. Then she said I just need to X out of the page. Really? After that, I was still able to push back and see all my info again. At this time, I just wanted to cancel my account. I called back and asked for all my info to be removed and then was told that there is no way to remove it even though I owe them nothing! They said it was for an auditing reason. All of this is bogus and I want my information off of their site once and for all. At the least, they should have a logout button to protect delicate consumer information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MI

Complaint narrative:
My wife and I experienced financial difficulties in XXXX. We requested a loan modification from the servicer of our mortgage. Initially we were told that we had not submitted sufficient financial information. This was rectified within two days. Then the servicer lost the new information. Within a few weeks we were informed that the information had been found and that our request was being processed. Five months elapsed with regular contacts from us but no response to our modification request from the servicer. Then the loan was sold to another holder and the servicer was changed. The new servicer told us we would likely qualify for a modification, but that we would have to submit all new financial information, which we did. In response, we received a short sale offer. We protested that we were requesting a loan modification. Many months passed and then the servicer requested all new financial information, which we provided. Again many months passed and again we were offered a short sale. When we refused the short sale, the lender began a judicial foreclosure. After a few years in court, the judicial foreclosure was settled with a loan modification. XXXX parties waived any claims arising out of events prior to the settlement except as to the obligations identified in the Settlement Agreement. This took place in XX/XX/XXXX Since then we have made all required payments on time. Nonetheless XX/XX/XXXX, our mortgage statements began including the statement that we owed {$3300.00} as " recoverable advances ''. Neither this sum, nor the concept of " recoverable advances '' was mentioned in the Settlement Agreement. We have written to the servicer asking for an explanation of this charge. Our most recent request was on XXXX XXXX, XXXX. On XXXX XXXX, the servicer sent a reply stating that it would require additional time to review our inquiry but that a response would be forthcoming within 15 days. None has been received, and our most recent statement, dated XXXX/XXXX/XXXX still shows " recoverable advances '' of {$3300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OH

Complaint narrative:
This is a follow up Compliant against Rushmore Loan Management and XXXX 
Under XXXX vs XXXX XXXX XXXX. Case # XXXX in XXXX XXXX Ohio Court. The case began in XXXX and previous complaints were filed XXXX, XXXX, XXXX. 

XXXX Purchased the property on or around XXXX/XXXX/XXXX. The sale was confirmed around XXXX XXXX. The Bank had 30 days to pay the Sheriff 's Department the owners equity the remaining balance or forfiet there deposit. The Bank did not pay the remainging balance and owners equity until on or around XXXX XXXX, XXXX. The Bank as Plaintiff did not schedule or allow a move out date or date for the owners to remove any personal property. 

The Bank should have lost their deposit and been held in contempt of court for not complying with the law. The owners had to maintian homeowners insurance on the property while not having access to the property and are waiting for the home owners equity to be paid out. The owner 's request the CFPB review the past complaints as this could be the main reason the bank has delayed payment and foreclosure procedures to continue to cause financial harm and harrassment to the owners. 

Respectfully Submitted, XXXX XXXX XXXX, Owner and Executor of the Estate of XXXX XXXXXXXX XXXX, Ohio XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Accounting Department of Ace Cash Services has marked this case as a flat refusal and press legal charges against you. 

We are legally obligated by the local laws and clauses of the promissory note to proceed further with legal charges. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 

The total outstanding of XXXX amount has been overdue and you have ignored multiple requests to make payment. The legal proceedings and amount which the court orders, amounting to {$3900.00} must also be paid, in addition to the debt. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

If the full amount of total outstanding is not paid, we will begin the legal action, without warning, for a court order requiring payment. We may also commence insolvency proceedings. Legal proceeding may affect any credit rating. The legal proceedings and any other amounts which the court orders, must also be paid, in addition to the debt If you want to resolve this matter contact us thru email or call us within 48 hours at XXXX Between XXXX to XXXX ( EST ) Ace Cash Services Phone : XXXX XXXX ( XXXX XXXX Copyright ( C ) 2016 XXXX | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: First National Collection Bureau, Inc.
State: WV

Complaint narrative:
I received a call for my mother on my cell phone from First National. I was asked to pass a message along to her and when asked if they were a debt collection agency, the account representative disclosed to me, a XXXX party, that he was. I work in debt collection for a very reputable company and know that his disclosure of his intent to me was a violation of FDCPA law.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Rushmore Loan Management added unnecessary insurance to my mortgage, which led to a shortage in escrow, resulting in an increased mortgage payment. The company was made aware ( proof was provided ) that my home was from the requirement for flood insurance due to flood zone : AH. Rushmore failed to rectify the matter on a timely basis. They have failed to apply my payment appropriately, and they then started foreclosure proceedings and refused any of my payments as per their letter dated XXXX XXXX, 2015. 

They have ruined my good credit history under the affordable housing programs, for which I am to receive a yearly credit of {$1000.00} for making timely payments. They have also ruined my credit history, and have started foreclosure proceedings. 
My attempts to resolve this issue by contacting the company has failed miserably! Instead, I continue to receive dunning letters and phone calls. 
I 'm asking that Rushmore reinstate my payments under the agreed terms, allow me to make my payments, remove negative reports from my credit history from XXXX 2015 to XXXX 2015, and reinstate my good payment record so that I may receive the yearly incentive of $ XXXX you for you assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: OPORTUN FINANCIAL CORPORATION
State: TX

Complaint narrative:
Opened the loan on XX/XX/XXXX2016 and i been trying to pay the little i can when i can due to financial problems and they sent me a letter in the mail stating that they would soon be calling me to court

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation