vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-27 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I applied for a payday loan got approved, was unable to pay now im getting threatened that, i will get criminal charges filed againts me, that they will, have to granish wages earned and that i will go to jail. I was willing to make arrangements, but unable to meet what they request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
I had a timeshare over 10 years ago was paid off and I told them to keep the timeshare I do n't want it no more. I stop paying the maintenance fee each year. Timeshare said I was stuck with them for 30year which I was never advise about this or even sign any documents making me aware about a 30year. Anyway timeshare was paid off and I do n't want it at all. I have never use the timeshare which was a bad investment making me loose over {$10000.00}. Timeshare is with 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 2015-05-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: YSA ARM LLC DBA Oxygen XL
State: NY

Complaint narrative:
In XXXX 2013 I received letter from Oxygen Recovery Group demanding {$7300.00} ( attachment XXXX ) Of course I requested any documents concerning this demand. 
They mailed to me papers with cover letter ( att. XXXX ) :1. Statement of Deposit with my name but without any signatures ( att. XXXX ) 2. Letter that some XXXX XXXX intend to vacate apartment XXXX and authorizes XXXX XXXX to hold security deposit (????? ) ( att. XXXX ) 3. Lease Renewal Application with my name on it but with unknown to me address as well as unknown phone numbers. With name some XXXX XXXX as cousin. 
With no other information filled in. 
In addition this document signed by somebody but the signature even does not look like mine. ( att. XXXX ) That was entire package of documents. Without any real information but my name. 
I informed the Oxygen Recovery Group by fax that it is fraud based on my identity theft ( att. XXXX ) They answered me and requested " proof that this is not me " ( att. XXXX ) I have an idea how to prove that me is me but I have no clue how to prove that anybody else is not me. 
Recently I learned that Oxygen Recovery Group put this money for collection to my account. 
As I am sure it is situation of conspiracy based on my identity theft for exaction. 
Of course I filed compliant with the Federal Trade Commission as well as with Credit Bureau. 
Now I look for an attorney to file Legal Case of exaction.

Company response to consumer: Closed
Consumer complaint received 2015-08-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Harbor Front Acquisitions LLC (Closed)
State: CA

Complaint narrative:
Hello, Today XXXX XXXX representing Harbor Front Acquisitions, LLC contacted me and also called a relative of mine. XXXX XXXX left threatening messages on both of our voice mails and falsely claimed that he was calling in regards to a file assigned by the state. He also said that I had serious allegations against me. When I called XXXX XXXX back he explained that he was calling on behalf of XXXX XXXX XXXX and stated that they would pursue criminal charges against me if I did not cooperate. I explained to XXXX XXXX that I was unable to discuss this issue over the phone as I was at work and I requested that he send me information in writing. I also explained that I had no way to verify he was who he said he was. XXXX XXXX told me that the next documentation that I would receive would be in the form of a lawsuit. 

I believe XXXX XXXX and Harbor Front Acquisitions, LLC violated the FDCPA in several ways:1 ) They contacted a third party and falsely told them that I have accusations from the state against me2 ) XXXX XXXX knowingly misrepresented himself as a state representative3 ) XXXX XXXX threatened me with a lawsuit and/or criminal charges

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AAA Collections
State: SD

Complaint narrative:
Actually XXXX of the above. Our bills through them are medical. A failed XXXX XXXX at XXXX XXXX that totally XXXX my wife. Patient relations understands this and has told me, " just send what you can, when you can. I have documentation, cancelled checks and bank records showing I am making payments, more than I should but, even after advising them NO MORE CALLS, every day they call, some time several times a day. WE had to finally have a block put on our phone. They had called my work office and even advised my supervisor who they were and why they were calling. Disclosing my debt info to her! They even asked for my we whom they know to be XXXX and is not working. Especially at my place of employment. My supervisor can attest to this as they called several times after being told not too. " I make regular payments to these people and they constantly harass us for more, more, more.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was never formally notified about a store credit card account past due and it went 90 days before I found out what had occured. I then called the credit reporting agencies for guidance and they advised me to work it out with the creditor. I called and explained my situation several times and the last time we spoke they said they were looking into it. The next communication I received was a cancellation of my credit card due to non payment, in the middle of my dispute. I then tried to get resolution and find a way to get my account reopened but all they would keep telling me was to try to open a new account. No help at all. I was going to speak to a lawyer but thought I could work it out on my own. It was never resolved and I am still very upset. I later found out this was all caused by a {$6.00} credit card charge that I was unaware of because I was not receiving any statements!! I have boycotted the store ever since. I would like to get the credit card account reopened ( because of the long credit history I had with it ). And also, have the derogatory account status reversed. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IN

Complaint narrative:
My mortgage started with XXXX XXXX and was sold. They had just completed a loan modification to place my taxes and hazard insurance into to escrow and to remove my ex-wife from the mortgage. The company that took the mortgage over was XXXX XXXX XXXX. They increased my payment dramatically and would not acknowledge the modification I had with XXXX. Within 90 days, they sold the mortgage to Rushmore Loan Management services who also would not acknowledge the loan agreement I had with XXXX. 
I have spent almost two years trying to get Rushmore to honor the loan agreement I had with XXXX when the loan was purchased. They have not only refused to honor even though I have provided them with the modification paperwork, but have not cashed any checks I have sent to them, refused to tell me who owns the note, and have destroyed my credit so that I can not get another loan or mortgage. My credit was pristine until this all began. Rushmore continues to pile up interest and fees but will not acknowledge their error or give me one person to deal with. I have corresponded via emails, writing and numerous phone calls and have been either ignored, or blatantly lied to. One representative told me that he did n't know why I have n't sued them because this is standard procedure for them to exasperate the client until either they pay or get foreclosed. 
Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
GM Financial repossessed my mother 's XXXX when there were only XXXX payments left AND my mother was in the hospital & I did n't know her financial status. It cost her XXXX ( with XXXX payday loan advances ) to retrieve the car. She is on XXXX AND she is XXXX AND XXXX. The repossession company ( XXXX ) lost the spare tire. Because of the high interest rate, the excessive fees and the repossession costs, we believe that the loan has been paid in full. Additionally, GM Financial made it extremely difficult to pay. Our bank could not transfer funds, GM Financial would not electronically debit the funds and instead forced my XXXX mother to go to the bank, then to XXXX and use XXXX XXXX. I believe that this is elder financial abuse in that GM Financial took the car when the equity was nearly complete thereby nearly XXXX their income from the loan if it were remarketed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Debt Management Holdings LLC
State: TN

Complaint narrative:
Twice an anonymous male-voiced computerized message has been left on our answering machine, the first time about a week ago ( XXXX/XXXX/2015 or XXXX/XXXX/2015 ) and again this morning ( XXXX/XXXX/2015 ) at XXXX. The voice does not give the name of the person intended to receive the message, and it identifies itself only as " Consumer Judgment. '' It says that the recipient should call an XXXX number as soon as possible to avoid further action. The number given to call is XXXX. We did not call this number.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Ocwen send me a notice that i need to send {$1200.00} for escrow which I did to keep my payment at XXXX per month, then they sent me a new payment of XXXX per month when i asked them way the increase they had no answer. This is my second time filing against this company, why they are still alowed to contunie in business I call XXXX in XXXX to bring this company

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I was involved in a car accident on XXXX XXXX 2015 and I contacted GM Finical a few day after that and spoke to the total loss department and advised them of what had happened. I recived a letter stating that they are aware of the total loss. XXXX XXXX paid GM Finical the full amount owed on the loan on XXXX XXXX 2015 and they did not process it until the XXXX XXXX 2015 and than reported to the all XXXX credit bureau that I was 30 days late and now has decreased my credit score XXXX points and I can not purchase another car until they correct it. I contacted customer service and I was told that XXXX would have to write a letter why it was late and I had XXXX fax it to them and verified that it was received and it was over two weeks ago and was told it would take up to XXXX hours to process and I contacted them today an nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
I am XXXX and Nissan motors acceptance cooperation has been accusing me of not making payments even though I have been paying above the minimum amount since I got the car. On top of that, they keep adding on these " late '' fees even though I 'm paying them on time. They have been blowing my phone up every single day for months now. At least 2-4 times a day. It does n't matter if I answer or do n't because they say the same thing. I keep blocking their number but they just keep calling me from different numbers. I told them many times that they are wrong about me owing them money. I told them they are harassing me and to remove me from their calling list but they just became more disrespectful towards me, making more threats, and calling me more everyday for no reason but just to harass me. These guys are crooks and I 'm tired of them treating people like this. It 's like they think I 'm rolling around in money but really I 'm barely making it by paycheck to paycheck. On top of all that these guys are ruining my credit. I went from having great credit to very poor credit because of these people accusing me of something that 's completely false. They 're are ruining my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
My husband has a loan with GM Financial. He has been XXXX and since only his name is on the loan they will not work with me. He has been in contact with them yet they continue to send daily emails to me as well as call my family members want g to know where he is. They have already been told where he is and what is going on. They are to the point of being extremely harassing especially since the emails are coming to my email and they refuse to work with me on the loan. It 's becoming very stressful.

Company response to consumer: Closed
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: HANCOCK WHITNEY BANK
State: AL

Complaint narrative:
Whitney Bank refuses to provide a XXXX letter of a promissory note sent to me in XX/XX/XXXX that accelerated the beginning of the statute of limitations at that point, They are now stating that they can not find the demand letter and that it does not exist while suing me for the promissory note deficiency and claiming the Demand/.Acceleration letter was never sent. They have however furnished every document that is pertinent to their claim. We have an internal ledger that states the demand was sent in XX/XX/XXXX. I need to compel the bank to furnish the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 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: MD

Complaint narrative:
My wife and I are getting repeated calls from " High Point Asset '' about her debt. She does not have any outstanding debt and the company wants her to immediately verify her SSN. We get XXXX calls per day and it is very obnoxious.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: High Point Asset Inc
State: MI

Complaint narrative:
Highpoint Asset INC XXXX is calling me several times daily and harassing me stating I took out payday loans in 2012 and did not pay them. I did not take out payday loans from these people and the ones I did from other companies i repayed a long time ago. I do not know how they obtained my ssn.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I recently closed a HELOC because I sold the secured property. Since the loan was less than three years old I had to pay XXXX and XXXX recording taxes. However, I was also charged the lender 's portion of this tax mounting to 0.25 % ( XXXX basis points ) of the loan principal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I had an auto loan with GM Financial. I refinanced and it was paid off. It is showing as negative on my credit report, fine, but that was over 7 years ago. It has aged out and XXXX/XXXX/XXXX will not remove it from my credit report. They claim that they contacted GM Financial and its per FCRA regs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
On XXXX XXXX 2016 my checking account with Santander Bank had a XXXX cent deposit from XXXX. A few days later, XXXX withdrew {$38.00} from my account using a fraudulent draft check. I went to the bank and filed a complaint and signed an affadavit. After repeated calls to customer service I was told to go back to the bank and file an adjustment claim, which I did. Now it is XXXX and I still have not had the money put back in my account.

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
Consumer complaint received 2016-12-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Opportunity Financial, LLC
State: UT

Complaint narrative:
I had first taken out my loan with Opportunity Finance ( or XXXX ) in XXXX XXXX. I made all my payments, and received credit line increases. My income at the time my loan was approved was {$70000.00} annually. 

In XXXX of XXXX, I became unemployed for 3 weeks. I was able to get temporary work ( temp job ) through a staffing agency. My income was then $ XXXX/hr. 

I notified Opportunity Finance that I was unemployed, and they 'suspended ' my account for 1 month while I tried to get employment. 

After the 1 month, and my account was active again ; I told them my new salary, that I could n't afford the normal payments. They accepted what I could afford at the time, which was {$25.00}. 

They continued to work with me, allowing me to make bi weekly payments of {$25.00} while I was working the temp jobs. They did this for approximately 5 months. 

In XXXX of XXXX, they told me I could no longer make {$25.00} payments, that I had to pay more. They gave me no reason for this. They said the minimum payment that I could do was bi weekly payments of {$79.00}. I told them I could not afford that, they told me to bad, but they would accept bi weekly payments of {$61.00}. I still could not afford these, but I tried. 

In XXXX of XXXX I became unemployed again. When I notified them, they 'suspended ' my account for one month again. I was able to get another temp job at the end of XXXX XXXX. 

In XXXX of XXXX, my account became active again. I called to set up payments I could afford, which was bi-weekly of {$25.00}. They told me they could n't accept that, the minimum was {$61.00} bi-weekly. I told them I could n't afford it, they said there was nothing they could do. So I did make a couple payments in XXXX and XXXX, but I could n't make anymore. 

At this time I asked them if my loan matured, and they said yes ( no longer accruing interest ). I asked them the balance, and they told me just over {$2400.00}. I asked that all payments being made are reducing the principal balance, and they said yes. They said as long as I made payments, no interest would accrue. This did n't make sense to me, because I was under the impression it had matured. 

Anyway, I could n't make any payments at the end of XXXX, beginning of XXXX. In XXXX, I received a threatening email saying it was the last time they would try contacting me ( they never contacted me before this ), and that if I did n't make a payment, they would take me to court. 

I could n't afford it, but I ca n't afford being sued either. So I set up a {$61.00} payment for today, XXXX XXXX XXXX. I told them that my current temp job is ending today as well, can they 'suspend ' my account for one month while I look for employment. They said no. The collection manager 's name is XXXX, he said he could n't help 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 2017-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
This is a frequent reoccurring problem with the bank I use. Availability of funds. My recent deposit was made on XX/XX/2017, the deposit posted XX/XX/2017 the on XX/XX/2017, XXXX of a XXXX deposit was added to my account. I have been with this bank, formerly Soverign Bank, for fifteen years. In the past two years with holding funds to my account are a monthly event and I get monthly overdraft fees in the XXXX 's range. The visual posting of my account is deceiving as well.The checks that I deposit are not personal checks written to me rather bank checks from my clients all in the USA. I am a common woman, with a XXXX, my funds are limited and I live day to day. Clearly I will find another bank. I feel that the practices of Santander Bank holding my funds for days is that of thievery. They, Santander have immediate access to my money, we are in a lighting flash technology era, I know they use my money for a period of time to make more money for the bank and with my additional overdraft fees I am truly being robbed. A two day hold on personal accounts is only wrong and the people who have the least money get hit the hardest.

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 2016-01-02 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Reference Case number : XXXX. For over 3 years my wife and I have not been able to obtain our free annual credit reports online. For years previous, we had no problems. Queries to the Credit bureaus and the CFPB have been non-productive. I 'm attaching an edited summary of my email exchanges with the Ombudusman office going back to XX/XX/2014. They also have been frustrated and suggested I re-file the complaint.

Company response to consumer: Closed with explanation