vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
this is the second bbva compass bank has rearranged my ebit transactions to char me XXXX or XXXX overdraft charges, I have made several purchases during the week of XXXX/XXXX/16 thru XXXX/XXXX/16, I had an emergency with my car and swiped a purchase for a new tire. I accept during this transaction I did not have the funds but I was scahrged twice for this purchase. then I looked at my account and it said I have a positive balance of {$1.00} but how is that possible if I was charged XXXX nsf charges of {$38.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: ALLIANCE FINANCIAL RESOURCES
State: AZ

Complaint narrative:
I started a mortgage refi with a company Alliance Home Loans. They told me that i am not to make my next month payment. we have never had missed a payment in 3 years. They failed to close the loan on time which now we cant re fi for 3 month and have damage or perfect payment history. And now we have to struggle to catch up. I feel that if they could n't close they should have let us know!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
On XX/XX/XXXX, my wife and I sent a letter to Equifax asking them to investigate errors on our credit report. Months passed, and we simply could not get Equifax to respond. After countless follow-up letters and complaints, my wife finally received the results of her credit investigations in XX/XX/XXXX. However, unfortunately, even after continue follow-up letters and complaints, I have yet to receive the results of my credit investigations. It has now been six months since we sent our original letter. The fact I have received no response from Equifax is utterly ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Cooling & Winter LLC
State: FL

Complaint narrative:
Credit card was placed intodebt dispute, during the process of dispute XXXX Law firm issued a suit, We sent in a settlement check which was cashed by the XXXX law firm, we are now receiving further suit threats via Cooling & Winter a law firm who apprently now has taken over this account. We sent XXXX firms faxes with the canceled check and furhter letters of suit are still arriving

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I turned in the XXXX lease car for a new lease car at nissan dealership. I was told all would be taken care of. XXXX debt collectors begin calling about damage to XXXX of {$400.00}, harrassing phone calls, were told to stop ..kept calling ..were told to send info about lease car damage ... none sent..calls continuing..XXXX XXXX XXXX, XXXX XXXX various numbers used

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: MD

Complaint narrative:
Reverse Mortgage Solutions, Inc. 's ( RMS ' ) foreclosure of a XXXX citizen 's home in Maryland was temporarily averted this past week. A short sale contract at full appraisal ( i.e. RMS appraisal ) was received but rejected by RMS and its greedy investors who choose to remain anonymous. We understand that the DOJ recently fined RMS and its parent entity XXXX for fraud, and it seems that they should be investigated for other improper reverse mortgage activities. 
Further, HUD should do a thorough audit of this account as it was previously handled by XXXX XXXX and XXXX XXXX XXXX, whose overcharges and statement discrepancies were noticed by the elderly owner of the property in question. The XXXX homeowner wanted to take legal action against the bank but was very frightened by unannounced visits and calls by intimidating, rude bank representatives. It is so sad that American taxpayers bailed out the banks so that they could torture and swindle XXXX U.S. Citizens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-05-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
I have informed the Company I am not allowed to receive " personal '' calls at work. The Company consistently call throughout the day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Santander Bank N.A. is reporting to the XXXX major credit bureaus an account that is not mine. It may very well be an account that was upon fraudulently, as I have been a victim of identity theft. I have submitted online disputes to the XXXX major credit bureaus. XXXX completed its dispute stating that the creditor has updated the status showing that the account belongs to me. The dispute is still pending XXXX. I have been therefore informed to contact the creditor directly. When I did, I spoke to a XXXX or XXXX at XXXX XXXX XXXX XXXX. I was then informed that I needed to contact their Fraud Prevention and Security area at ( XXXX XXXX XXXX. I have contacted the Fraud Prevention and Security area, and was informed that someone will be calling me back. I have not received a returned call to this date. The account was updated without Santander providing any proof that the account is actually mine, and with no further explanation, and with no returned phone call to go over the issues with me. Also, if I recall correctly, XXXX of the representatives mentioned an another address associated with this account that was not connected to me. Further, since I know nothing about this account, I 'm not sure exactly what type of account it is ( e.g. banking or credit card ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: General Motors Financial Company, Inc.
State: IN

Complaint narrative:
I have a auto loan with Gm Financial. The repo 'd my car and left a balance of. This attorney XXXX & XXXX sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with GM Financial And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
A LOCAL MAN STOLE FUNDS FROM ME AND MY MOM. HE JUST PLED GUILTY - HOWEVER I AM HAVING A HARD TIME FROM THE BANK TO RETURN THE STOLEN CHECKS/ MONEY. THE CRIMINALS NAME IS XXXX XXXX - HIS SENTENCING IS XXXX/XXXX/16

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-02-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
In XXXX XXXX Borrower obtained XXXX funds in the amount of {$43000.00} from the Florida hardest hit to repay her reverse mortgage arrears. {$39000.00} was applied to the reverse mortgage default and an amount was placed in a set-aside account for future taxes and insurance. In a phone call on XXXX XXXX, XXXX RMS confirmed that {$7000.00} was placed in the set aside. 
Sometime thereafter RMS paid the renewal for Borrower 's insurance policy in the amount of {$3000.00} with funds from the XXXX set-aside. A balance of {$3900.00} was left in the set-aside. In XXXX XXXX Borrower 's property taxes were mailed out by the county property appraiser. On or before XXXX XXXX, XXXX Borrower called RMS and requested that funds from the XXXX set -aside ( {$3900.00} ) be used to pay her property taxes. RMS advised Borrower to submit her request in writing. On XXXX XXXX, XXXX Borrower faxed over the request as instructed and received a fax confirmation that her request was successfully transmitted. On XXXX XXXX, XXXX we called RMS and we were told that the information has not been received and in order for the taxes to be paid Borrower will need to fax another request. The customer service representative " XXXX '' was not helpful and pretty much told Borrower " we did n't receive your request. Too bad. Send another ''. 
Borrower is concerned because if the XXXX funds are not used before a certain date, which is fast approaching, the XXXX set-aside will be applied to her loan balance and will not be used for taxes and insurance as intended. This would be egregious and highly prejudicial to Borrower because she has had to give a mortgage to receive the XXXX funds and if the funds are applied to Borrower 's loan balance, she would not receive the intended benefit of the funds and will likely cause her to fall into default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: NY

Complaint narrative:
The lender has refused to postpone the foreclosure sale to allow the client time to refinance her reverse mortgage loan - They have not provided the client any resolution options prior to the XXXX sale being active.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I used Discover Credit Card ( {$1400.00} ) and several XXXX gift cards ( {$5000.00} ) to buy a product from XXXX and later returned. XXXX refunded all the money ( {$6500.00} ) to Discover on XXXX XXXX. And Now I have a total of credit balance {$7900.00} ( {$1400.00} from previous balance & {$6500.00} from this return ) on my Discover Credit Card. We have been asking Discover to mail us a check for the credit balance since XXXX XXXX. 
On XXXX XXXX, Discover opened a dispute on my account for the XXXX Return amount ( without informing us until I found out by myself on XXXX XXXX ). I uploaded the supporting file which is the online order payment summary screenshot, along with the XXXX refund policy, which states clearly that " If a credit card was used in combination with a Gift Card or XXXX Notes, the entire merchandise amount will be refunded to your credit card. " But Discover insisted that they have to contact XXXX and get a confirmation from them that the refund {$6500.00} is correct before they can send us a refund check for the credit balance of {$7900.00} on my account. 
In the Dispute Status, Discover said the investigation may take up to 30 days. However, when I contacted them on XXXX XXXX, they said 30 days is only for most cases. They said since they are still waiting for XXXX response so right now they are not sure when my refund can be processed. 
On XXXX XXXX I logged back into my account, I saw they changed the Date Updated for the Dispute Status from XXXX/XXXX/15 to XXXX/XXXX/15 but all the statement is the same and it seems they give themselves another 30 days to work on my case. 
All the Discover customer service reps we have contacted just stated that they can not guarantee when the dispute can be resolved. And they even refused to refund me the credit balance ( {$1400.00} ) which is not related to this investigation because they said the case is not closed so they can not refund me anything. We already spent more than 10 hours working on this with Discover. We called Discover XXXX number, live chat with their online customer service representative, sent email, contacted social media team XXXX and posted XXXX. None of this work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: LA

Complaint narrative:
This is also in regards to active case no. XXXX with your agency. My vehicle was repossessed on mothers Day of this year. It was repossessed illegally because I was unaware that it was in jeopardy of being repossessed and I was not sent a Notice of Intent to Repossess from the GM

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: NH

Complaint narrative:
Americredit, also known as GM Financial, denied me credit. That 's fine ; I got credit elsewhere. But they wo n't tell me why. XXXX I have gotten a pathetic non-responsive response : " Outside of credit program parameters. Credit not granted under the specific terms and conditions and/or conditions originally requested. " As far as I can tell, this denial is totally non-responsive, and does not meet the CPFB requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
He has repeatedly called me and has started threatening to garnish my wages, to come to my job, called me names and embarrassed me publicly by telling my co-workers I was n't paying my bills on time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Continental Services Group, Inc. d/b/a ConServe
State: NC

Complaint narrative:
Turn over debt collection agency. Called conserve web in my. I went XXXX in XXXX, nc. 
They had know about law suit, took fed income tax returns. Making payments of XXXX month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TN

Complaint narrative:
My mother became very ill and got behind on mortgage payments. Up until that time she was never late. My mother has since passed away. The deed is in my name, and the mortgage in the Estate of my mother. I was paying mortgage payments after my mother passed away to XXXX XXXX XXXX. I was in the middle of an assumption and a modification, With XXXX XXXX, when they sold the loan to Rushmore Loan Management, who said that they do not do modifications or assumptions. Rushmore stopped taking my payments, and now the property is in foreclosure with a sale date of XXXX XXXX, 2016. I can not lose this property as it is a family home. They are unwilling to work with me. I make the money to make payments. I just need them to be willing to work with me and finish what XXXX XXXX started.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
I do n't even recall applying for a loan or receiving a loan from these people and they 've been emailing me and calling me and my family members harassing us for money. Even going so far as to say I will be arrested if it 's not paid right now over the phone. Emailing me said they will take me to the courthouse to get money from me and make me pay legal fees and every email is for a different amount. Not one of them is for the same loan amount. They try to scare me by emailing me and including my social security number like they know it so I had to have taken a loan out. And the best part is payday loans are illegal in the state I live in! So this makes no sense and I 'm tired of the threats and harassment! They also claim that the US government is placing my social security number on hold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
XXXX from Covington Credit called my job spoke to our Portal Sgt asked to speak to my supervisor who was off asked for the Warden and left a message with the Sgt if I do n't call him that day he was going to garnish my wages and left his phone number. I spoke to XXXX about getting the account current when I went to the office I said I did n't want to deal with XXXX there was 3 other employees there .. XXXX cane to the desk I was working with XXXX about to make my payment and I told him he did n't have the right to call my job and speak to whoever answered the phone and tell them he was going to garnish my wages if I do n't return his call at 1st he denied it then he said he can do what the XXXX he wants and I told him you do n't have the right to curse at me he told XXXX not to take my payment they would be garnishing my wages and told me to leave This is a loan did n't see it as an option 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 2015-10-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: J&L Collection Services
State: CA

Complaint narrative:
i got a call from a collection company regarding a unpaid bill from XXXX XXXX XXXX back from 2014. I did n't receive any bill or notification from any source before this call from collection. And i check my insurance activity for the past 2 years, all the claims from XXXX XXXX has XXXX balance ( I can provide the claim history, and XXXX XXXX does know my insurance info as they filed to my insurance many times ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: GA

Complaint narrative:
Back in XXXX I was offered a student loan in the amount of XXXX while attending XXXX XXXX XXXX. while I was making payment on the loan my income tax was intercepted to pay off the loan. I had never heard from the Department of Education since until XXXX when I called them to find out why I was denied financial aid. they could not find a reason. some one took all my info and said they will call me back in few weeks. After about 6 weeks I called back with not success until later I received a notice that I owe $ XXXX they want to garnish 15 % of my income. I requested a hearing which they denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ND

Complaint narrative:
ACE CASH services have been threatening me to take me to court or for an arrest warrant for a loan I never took out. They send emails and call me constantly and try to get me to pay a debt thats not even mine. Very unprofessional and rude

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc.
State: MN

Complaint narrative:
First National Collection Bureau XXXX Inc., account # : XXXX, Ref # : XXXX, is a fraudulent account and do not belong 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 2015-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Nationwide Credit & Collection, Inc.
State: IL

Complaint narrative:
COLLECTOR FAILED TO VALIDATE SAID. I DO NOT OWN SAID DEBT AND KEEP ATTEMPTING TO COLLECT IN VIOLATION FCRA, FDCPA AND TCPA.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
I disputed a charge with Discover Card. My wife canceled an order with XXXX before the phone rep. placed it because she did n't agree with the tax. The phone representative assured her the order was not placed. Two day later a charge from XXXX was on my card. 
I disputed it because she told them not to place the order and she has never received the product / order as of today. The charge was {$17.00} ( XXXX of XXXX ) installments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: DISCOVER BANK
State: TX

Complaint narrative:
I had XXXX student loan under Discover Student loans in XXXX XXXX. I submitted graduate school deferment paperwork in XXXX of XXXX. Discover claimed to have lost my paperwork in XXXX of XXXX after multiple calls to confirm status. After paperwork was resent, it took until XXXX of XXXX for my account to officially say it was in deferment, with weekly calls from me. I was repeatedly assured that the deferment status would be retroactively applied to my account so my credit would not be affected. My credit report says I have a missed payment on this loan, but I never missed a payment. Discover never retroactively put me in deferment for the XXXX and reported me as having a late payment on my loan. I disputed this charge with the lender in XXXX and it was removed, but has reappeared on my credit report as of XXXX.

Company response to consumer: Closed with non-monetary relief