vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
In XXXX my husband was laid off after 33 years. in order to collect a pension he was precluded from getting a job per the company 's contract.I paid a lawyer for a loan mod because my income alone would not cover our mtg. We were given a mod.by the servicer XXXX The modification payment was more than {$3000.00} that was XXXX. I was doing fine with my self employment business and paying our mtg. up until XXXX. I fell behind on the mtg. because I lost my business due to the crisis. The landlord filed a judgement for failure to pay rent for my defunct business. during my modification XXXX had bought the servicing rights. XXXX, the mortgagor at the time agreed to allow us to sale our family home in writing. XXXX decided not to work with us any longer because there was a XXXX and an IRS lien on the property in which was being worked out but they would n't wait. XXXX XXXX XXXX filed a NOD. We hired an attorney to help with this NOD and the attorney advised us to file a bankruptcy. The attorney that helped us was a scam he took {$400000.00} from us and he ended up loosing his license and no longer can practice law thus putting us in jeopardy. while all this was going on the servicing rights were sold to Rushmore. Rushmore has given us written approval to sell the property our bankruptcy is now discharged, However, today XXXX XXXX XXXX My agent received an email saying the have decided to foreclose. According to SB XXXX no bank that took TARP money can duel track.Rushmore 's email to my agents states that they are going to start the foreclosure process while we are in an approved short sale. Rushmore has changed the amount they want 2 times in 4 mo. The buyer has agreed to pay what they want and instead of giving us a 30 day approval based on the new purchase price, which is a change of circumstance, they gave an 11 day approval. We are almost ready to close but because we asked for a normal approval for 30 days based on Rushmore changing the purchase price they refused to give us XXXX. we are currently approved by Rushmore until the XXXX of XXXX XXXX, however, XXXX of the liens still need to be cleared. We are asking you to step in and stop the duel tracking from Rushmore and allow us a normal 30 days to close. Rushmore has been given a conditional approval by the buyer 's lender which proves the buyer is approved to purchase. with the price increase Rushmore has imposed, the buyer must be given ample time to get the new approval from their lender. we need ample time to get that. 5 days should be enough time. The hud is attached that shows the XXXX purchase price. Rushmore increased the price so much in that they forced out the relocation money they were to pay the sellers from the TARP money they have received. They 're crooks. 

Please help us

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
This Debt is from the year of 2007, see attach communication that was sent to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc.
State: GA

Complaint narrative:
This is connected to previous complaint submitted on XXXX XXXX, 2015, case # : XXXX. In the previous complaint, I stated XXXX XXXX claims that I owe him money on a debt. I do not owe him any money. After he was contacted XXXX, he sent me a letter stating he was attempting to make a collection on behalf of XXXX XXXX XXXX in XXXX XXXX, XXXX. I contacted XXXX XXXX XXXX around XXXX XXXX, 2015 and inquired about any debt I may have owed them. XXXX XXXX XXXX performed what they called a " thorough check '' and did not find any thing that indicated that I owed them money ; that there was NOTHING NEGATIVE AT ALL on my account/record with the credit union. I was told by XXXX XXXX XXXX that they could only conclude that I was being scamed, as they had no connection with anyone named Dyke O'Neal. 

If this is true, why is this man contacting me? He is sending mail to me suggesting that he is willing to settle for a lesser amount to collect the debt in an effort to assist me. I have no intention of giving this man any money and would like to have assistance in getting him to leave me and my family alone. As I stated in the previous complaint, he has been calling my family members as well. 

Additionally, since I made the initial complaint, I have been gettig even more calls with a XXXX area code from Missouri. I get these calls all hours of the night and the day and they are coming over my cell phone which also has a XXXX area code from Missouri. I do not believe this is a coincidence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Wilson, Riley & Associates
State: CA

Complaint narrative:
I have received numerous phone calls at work from Wilson, Riley and Associates at XXXX leaving messages that I need to call back immediately or face legal repercussions. I do not have bad credit or any outstanding debts. I called back and the male that answered the phone was very rude and disrespectful. I told him not to call me at work, I am not XXXX XXXX and I was going to report him for contacting me. He said he is within his rights to contact me and to have fun trying to file a complaint. I do not want this company calling me and harassing me at work. I could lose my job for having personal phone calls like this. My job also does credit checks and my good credit is dependent on me keeping my job. This is creating a stressful unnecessary hardship for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: IA

Complaint narrative:
On XXXX/XXXX/16, I disputed the account XXXX account, account number XXXX .... on my Experian credit report. I was but am no longer an authorized user on this account. I asked them to delete this account from my report. My Experian report does not show this dispute in the comments section, which is required, and there is no evidence that they are working to delete this account. The desired outcome is for this account to be deleted.

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 2015-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
Rushmore Loan Management Service is involved in unfair business practice. They continue to delay my loan modification application by saying they never received faxed documents that are needed to finish my application. We have enlisted the help of a third party organization called XXXX that specializes in helping homeowner such as myself save their homes from foreclosing. Again, Rushmore stated that they never received the required documentation from XXXX and even suggested that we stop using a third party organization. I have been trying to get a loan modification for the past year. Initially, the loan was with XXXX XXXX XXXX who also was using the delay process so that they could sell the loan. Then in XXXX of 2014 the loan was sold to Rushmore Loan Management Services and from that time until today my application is still incomplete. I strongly believe that Rushmore is intentionally delaying the loan modification process in hopes of foreclosing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: WA

Complaint narrative:
I am receiving mailed correspondence for a debt I do not owe.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
I attended the XXXX XXXX XXXX XXXX XXXX XXXX, a for-profit school, from XX/XX/XXXX-XX/XX/XXXX and graduated with a XXXX degree in XXXX. Well during that time no information was available about for-profit schools, accreditation, etc, so I had no idea what I was getting myself into. My student loan payments have always been estimated over $ XXXX/month because I was n't working and the of course the 10 % variable interest rate kept my interest growing rapidly during the time I was in deferment ( my balance has now doubled ). I am now an adult with a steady job ( no career because my degree is n't worth anything ) and I am trying to get financed to purchase a home. My private loan payment is now $ XXXX/month which based on my income makes me ineligible for an fha loan, I even looked at applying for an interest only payment which reduces my payment to {$800.00} which does not help me because I still will not be able to afford a house or an apartment in a decent area. I called Navient today to see what is the lowest payment I could potentially get and they left me on hold for an hour and 20 minutes, basically a waste of my time because no one ever picked up. These private student loan companies are ridiculous and I 'm not sure how anyone is ever expected to pay their loans back when they can get a high paying job with a worthless degree that the Department of ED allows students to receive funding for whether it be title IV funds or a private lender. 

I attended the XXXX XXXX XXXX XXXX XXXX XXXX - XXXX which I believe is now XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I took out a payday loan ace cash advance and they said I could make payments when the due date came I tried to make a payment and they said I had to pay in full or they will take the whole amount. I had to close my account due to this and since it happened over 2 years ago and since then I have filed and discharged bankruptcy they are still continuing to harass family members and threaten with legalities about 9 months ago my attorney did call and leave a message with them stating this information and they are still doing this

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: SLM CORPORATION
State: PA

Complaint narrative:
Sallie Mae made 4 robocalls to both my home phone ( XXXX and my cell numbers in one day. I had previously asked that they did not call my cell number but I was fine with home calls. In a discussion with them tonight I felt harassed by four calls in one day especially since the person who took out the loan had made arrangements earlier in the day for payment. She had also contacted them before about payment and is in the process of having my name removed as a co-signer. The person I was talking to raised her voice and told me it was within guidelines to call that many times. I feel her talking angrily and unprofessionally to me was demeaning and unnecessary. I asked to talk to a supervisor. XXXX XXXX, the supervisor, again told me this was not harassment. I feel four calls after arrangements were made is four too many not to mention 2 of them were to a number I asked them not to call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Mortgage
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Dyck-O'Neal, Inc.
State: TX

Complaint narrative:
Collection company reported debt to XXXX even though I have disputed the debt in writing to the company on three occasions. Further, I asked them not to call and they have called my home twice. I explained to the debt collection company that the information they have appears to be erroneous and possibly made up out of the air, but they continued to write saying I was not cooperating, when I was. I told them that the information they have does not match information I have regarding the account. They did not ask to see this information, they simply went ahead and reported it to XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RFNA, LP
State: TN

Complaint narrative:
I received some collection calls regarding a debt who does n't belong to me. I want the calls to stop and the debt removed from credit reports immediately. I ca n't keep received some calls of treated daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
My parents home ( they are deceased ) has been empty and awaiting resolve for 3 years this net month. The loan has been sold from XXXX to XXXX, XXXX and now Rushmore. I am unable to get resolve in any way. The home was held in a trust, and therefore, we are not liable, however, as they hold it in limbo, I continue to receive bills for taxes and hoa dues. As well as late mortgage statements. I have tried to sell, modify and keep the home. To no evail because of their incompetency. They changed the locks over a year ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NH

Complaint narrative:
I use to have a XXXX Student Loan Account. Every month I would call the XXXX number and make a payment, it would take less than five minutes. In XXXX 2015, some company called American Education Services took hold of my XXXX accounts. On XXXX/XXXX/15 I have tried to make a payment by phone and by computer. When I tried to make an account online, I was consistently getting error messages, saying my social security number was not correct, or name was incorrect. I was on the phone for 20 plus minutes and transferred by XXXX different people. each person who could n't help me. I also tried making a phone payment and their automated system would n't recognize any entry that I tried to input. I never agreed to have any loans serviced by this company as my original loan note was from XXXX. This is a breach of contract and I refuse to do business with this AES company ; especially when they ca n't get any information correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Advanced Collection Bureau, Inc.
State: FL

Complaint narrative:
I have never received a bill from the original creditor and do n't know why I owe this much money. I sent a letter to the collection agency to get information about this debt including the last billing statement that shows why they believe I owe this money. I did n't hear anything back from the collection agency so I called them earlier this month. I was told that they will not send out anything to me and asked me to pay the full amount. I do not want to pay anything if I 'm not given proper documentation as to why I am paying it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Advanced Recovery Systems, Inc.
State: SC

Complaint narrative:
I received XXXX services and was not told the XXXX was no longer in network with my insurance. I never receiving a bill from XXXX XXXX XXXX in XXXX SC. They reported the amounted owed to a Collection Agency, XXXX. As soon as I saw this on my credit report, I paid it. It remains on my credit report. I have contacted both XXXX and XXXX XXXX XXXX with no results.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
My name is XXXX XXXX, I was continually bullied on all calls made to me to collect a debt by Capital Accounts Llc in Tennessee. I was told I was a no it all after i requested a DNC and I was told I could n't speak with a manager. When I told them I filed a complaint with the XXXX I was told I was better than that. The gentlemen continued to bully me. When I filed a complaint with the company I never received a response. I am a debt collector also of a very well profound company and can not believe how I was spoken to. When I told them I planned on retaining an attorney the man " XXXX '' laughed at me and said well we 'll see .. Send that in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
Kay Jewelers in XXXX Ohio XXXX allowed my son to purchase a wedding band and a diamond band on my Kay credit card with out my knowledge/approval I brought it to their attention as soon as I noticed it on my statement over a year now they refuse to do anything about it, say it is my responsibility.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: SC

Complaint narrative:
Debt was paid in full - continuing to report on Credit Report under collection agency with an open date of XX/XX/2014 -- I did n't even live in the state of NY in XX/XX/2014 nowhere near this doctor. Reporting for {$150.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have an auto loan through Lobel financial. I am being charged $ XXXX monthly because I have not furnished proof of full coverage insurance. In my attempt to pay off the car early with XXXXon the left, Lobel is trying to charge me the {$60.00} in advance of the payments remaining. I obtained a copy of the waiver I signed and nowhere in it does it say I had to pay in advance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CONTRACT CALLERS INC
State: NC

Complaint narrative:
I just discovered that a collection agency started reporting an {$82.00} collection account on my credit report that I do not owe. Prior to this account appearing on my credit report, I was never contacted by phone, mail, or otherwise ; and given an opportunity contest the charges.

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 2016-04-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Massachusetts Educational Financing Authority
State: NH

Complaint narrative:
MEFA XXXX harassment and threats. We get multiple mailings and calls harassing us that our loans are " in default, '' even though I have paid in advance and have automatic bill payments sent at the same time every month ( not auto withdrawal ). When we set up the loan ( s ), we were never told that every semester there is a whole new loan and account assigned to each student so I had NO IDEA that my monthly payments were going to a non-early repayment account vs. the monthly payment account. 1 year after trying to resolve this, it 's still an outstanding issue that MEFA/XXXX says is putting ALL my accounts in arrears and will be sent to a credit agency. 
Recently, I was laid off and we called to adjust the terms of an in school payment plan and they said we needed to fill out a slew of paperwork, which we did. They then came back and said we were not only in default, but that we were now {$900.00} in arrears after only 1 month. They said that THEY had n't processed their paperwork but that we were still responsible for paying in interim. This is after we called to say I had been laid off and need to modify payments! 4 months have gone by and THEY have still NOT resolved this! 
This company borders on illegal and threatening behavior that I feel needs to be investigated and monitored for illegal practices and federal and state action should be put in place to force them to change their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: SLM CORPORATION
State: IL

Complaint narrative:
I would like to know if I am one of the ones that has been charged too much for my loan. I have been paying on it for years, and it just never goes away. I struggle monthly to pay this as I had to have my elderly mom be co-signer and I wo n't make her have to worry about it. I would appreciate any information that you can provide me.

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