vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 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: TX

Complaint narrative:
Claiming i owe {$1500.00} for a {$250.00} payday loan from ace cash express, When i asked for proof of debt, they told me they did not have to provide that information, when i asked them their address, business phone, company 's legal name, permit number or anything proving who they were or what debt i was owed, they told me they did not have to provide that information and that i wold go to jail for fraud if i did not give them {$500.00} over the phone. I asked again for proof of debt ad was told no to just send money or i was going to jail. They have called me and told me they are lawyers and part of an arbitration team, today i was called and told they were from my XXXX office, when i called my XXXX office, instead of the XXXX number they left me, they had never heard of the people involved. So far other than XXXX phone message, where they left an XXXX number i have not been able to get any information i requested about this debt. THey have asked me for my address which i did not give, if they had my file they should have that information, and a payment. i have googled the XXXX number XXXX, and XXXX and they both show up as scammer numbers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR

Complaint narrative:
Rushmore tried to sell our home on XXXX XXXX, 2015 and we were forced to file a bankruptcy to stop the sale. We have been trying to get help from them since the loan was transferred from XXXX XXXX XXXX to Rushmore. However, they will not open a review for assistance because they claim that they have reviewed us for assistance XXXX times already and they wo n't do it any more, but they have NEVER reviewed our loan for assistance. Unless they did it on their own. We are now in a situation where they are going to take our home away, even though we qualify for assistance through government programs. Our bankruptcy will time out at some point and Rushmore is unfairly trying to take our home away. Even if we did go through the process years ago, our finances have changed and we are in dire need of getting our loan back on track. Rushmore is not even allowing us to send in a package for assistance review because they say that our loan has been reviewed three times. We do n't think so. I am XXXX and my wife works, but does not make that much money to keep us from assistance. Please help us get into a negotiation with them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I owe Oportun for a loan. I was in an accident at work and lost my job. Right now I 'm temporary XXXX and not making any money. I 've told them this several time and they keep calling me and harassing me, and not only me, my friend have gotten several calls from them. That 's what makes me mad the worse. Please help me stop them calling me until I get a job back and be able to pay themy off. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: United Student Aid (USA) Funds
State: AZ

Complaint narrative:
I was serviced with a notice of wage garnishment and after repeated calls to my work I was placed on notice by my employer. I was involuntarily laid off prior to me becoming homeless and like I stated I have been at my current employer for less than 3 months now. I do not have money to eat or live and have documents to show so. I created a packet with all documents required and submitted all XXXX pages to the number on the sheet and addressed it to the company and presiding judge. And I have proof of this. I called XXXX XXXX XXXX this morning and was transferred numerous times informed I was in the wrong department. Finally after waiting on the line for 15 minutes a woman by the name of XXXX tells me that I have to call the number XXXX XXXX which she stated is a " post claim '' number. I called that number and apparently that number is for direct tv. I do n't know if XXXX funds and XXXX XXXX XXXX think it is funny to play with peoples lives like this or if you are purposely doing this to individuals who request a hearing but either way I will be filing a complaint and if someone does not tell me if my documentation has been received I 'm going to contact the media. If you wo n't provide me with the information maybe you provide it to them. I only have to XXXX/XXXX/16 to verify that my hearing request has been received and they refuse to tell me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
In the process of closing on a Short Sale, our attorney informed us that XXXX required us to sign a Promissory Note or the Short Sale would not be approved ; basically extortion. We had no choice but to comply. However, the Promissory Note we signed was for payment to someone called Dyck O'Neil, a company in Texas. The Note was very poorly constructed and look like a scam to us. In checking the company 's website, there is no indication they are affiliated with XXXX ; a very poorly constructed website. We requested that the company invoice us for the payments and also asked that they provide XXXX documentation that shows the money is indeed going to XXXX. They refused. We have no way of knowing if the Note is legitimate and wo n't pay on it until we do. Of course, Dyck O'Neil is now reporting missed payments to the credit bureaus. Is this form of extortion truly legitimized by 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 2015-06-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
This debt is not known to me. I recently requested my Free Credit reports to access my credit history before I applied for my XXXX mortgage which I have been diligently addressing my credit so that i would be in a good position when ready so I request full validation from the crediting company. This request is for more than just a simple statement without detail. Rather, I must requisition a careful documentation, including statements, contracts, copies of checks, and any other pertinent information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Thaxton Investment Corporation
State: TN

Complaint narrative:
I fell behind paying a loan. Called and informed them of the reason. Directly after this, I received phone calls and voicemails repeatedly, on my cell and a work. Also correspondences mailed to my job, placed on my door where I live. Even after I asked them not to do this all my request have been ignored. I also informed them they were harassing me and was against the law, they continue. I 'm stressed enough and also under bankruptcy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OK

Complaint narrative:
I received a call from the home retention coordinator for Rushmore Loan Management Co. on XXXX/XXXX/2016. She called to inform me that Rushmore had declined to accept the offer for a short sale on my property which is scheduled for foreclosure on XXXX/XXXX/2016. This was the second offer on the property that she declined. She said the XXXX offer was too low and gave my realtor, the figure that the 'investors ' would accept. A XXXX offer for the amount that she stated was acceptable was then submitted, and after reviewing the XXXX offer, the home retention coordinator contacted me via phone to inform me that the offer was rejected and the company would proceed with the foreclosure ( which is scheduled in 9 days ). She then offered, for the second time a deed in lieu, which she advised me to accept. This was the second time she had offered me the option of a deed in lieu. The time the offer was made was on XXXX XXXX via a letter sent to my home which was delivered by XXXX. The original offer for the deed in lieu included a {$3500.00} relocation clause. At that time, I told her that I had a short sale buyer for the house. The home retention coordinator proceeded to order an appraisal. In the meantime, my realtor submitted the sales contract to the home retention coordinator. She declined the initial offer stating that the appraisal came in above the short sale offer. After speaking with the home retention coordinator about the original offer, the realtor went back to the buyer and informed them that the offer was not accepted and the buyer resubmitted an offer for the appraisal amount that XXXX XXXX requested. When the home retention coordinator phoned me today ( XXXX/XXXX/2016 ) to state that the second offer had been rejected, I asked her why and she said because " the investor just does n't want to accept the offer. '' She then offered me the option of the deed in lieu for the second time, but this time, the offer was reduced by {$500.00}. When I asked her why the original offer was reduced -- especially after I made a good faith effort to sell the house, she said because I had run out of time and since the foreclosure was in 9 days, {$500.00} dollars of the initial DIL offer had been taken off the table. This conversation upset me and I told her as much and she proceeded to speak to me in a patronizing and belittling tone and said that I could either accept the offer or the house would go into foreclosure and that she would not talk to me about the matter any further. I felt that the home retention coordinator was threatening me and bullying me into taking a deal that might not be in my best interest and treating me as though I had no recourse except to accept her unprofessional treatment and tone towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: High Point Asset Inc
State: WI

Complaint narrative:
XXXX XXXX XXXX Threatning Me calling my relative s that I do n't know about

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: WA

Complaint narrative:
We leased XXXX from the local dealer for 2 years and returned it several days before the end of the lease in prefect conditions. The local dealer failed to report on time the end of the lease to Nissan Motors Acceptance Corporation and reported it only 3 month later. As a result of that we have been hit with late charges and late payment was also reported to the credit bureaus. We have found out about that when we applied for the mortgage refinancing and our credit was pulled out. We have all the supporting document with us and both dealer and NMAC admit that the situation was created due to their negligence. However it was already two months since we contacted them and our credit score still not fixed, we continue to receive bills for late payments and nothing seems to be done. Every time we contact them during last two months they promise to fix it ASAP but it did not happen yet. We request your help in resolving this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
The XXXX came into the office on XXXX/XXXX/15 we called Santander the mortgage company talked to XXXX XXXX told her what was going on and they needed and wanted to keep the family home looking at the file I do see it works She email me the package to have filled out and sent back we started when they were here and over the next few days got the complete package in on XXXX/XXXX/15 she said the file is already assigned to XXXX XXXX on XXXX/XXXX/15 they got a sale date of XXXX/XXXX/15 posted on the house and on XXXX/XXXX/15 XXXX XXXX called and said there is now a sale date a not enough time to look at this file so the Investor said let it go to sale. 
I said that is 24 DAYS ( well sir we do n't know or ca n't control these investors. ) THE INVESTOR IS ALSO SANTANDER BANK N.A. on this file I did leave 3 messages for her supervisor XXXX XXXX she did call me back and leave message for me the 1st time I missed it but with no info or return again. 
This guy works XXXX here in XXXX 20 years XXXX kids home value is only XXXX what they owe rate 6.625 % 20 years been paying on this loan for 10 years unable to refinance becouse the value is only XXXX to XXXX today we have done the right things here just fallen behind and needs help been doing XXXX XXXX XXXX XXXX for 3 years to pay credit off did not file BK but could and will it come to that to save his home but has worked so hard not to do BK THEY JUST NEED HELP SAVING THERE HOME. 
PLEASE HELP!!!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I returned my car on XX/XX/2016 to a Nissan dealership. The early lease termination written quote was for {$1400.00}. I was also informed by their representative that I have a 10 day grace period. Given that I was unable to find a dealership that would take my car before the XX/XX/2016 I was forced to keep it for another 2 days. Up on my return I was informed that it would take about 3 days for the return to register in their system. On XXXX/XXXX/2016 I mailed them a check in the requested amount of {$1400.00}. Based on the document that Nissan provided me, that amount satisfies my obligation to them. XX/XX/XXXX I received a call from Nissan. They stated that I owe them an additional {$350.00} for XX/XX/XXXX, even though they also received a payment of {$360.00} that covers my possession of the vehicle till XX/XX/XXXX and I no longer had possession of the car after XX/XX/XXXX. Since my maturity date was on the XXXX of every month and I was forced to keep the car longer, I do n't feel that I should pay the sum of {$350.00} or any other fees for XX/XX/XXXX. Given that my lease payment is {$360.00} a month, the sum of {$350.00} makes no sense to me. After numerous attempts of speaking with Nissan no one was able to explain to me what the {$350.00} is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP HARASSING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 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 am currently leasing a vehicle through Nissan Motor Acceptance Corporation. They own the title. I moved from the state of XXXX to the state of XXXX, where I needed to have my title mailed from XXXX to the state of XXXX. For the past four weeks, I have not had any title mailed to the state of XXXX XXXX. The first request came in to XXXX on XXXX, again on XXXX and again on XXXX. However, no title has been sent to the XXXX as requested. I am now unable to send the XXXX plates back in the allotted 30 day window in which I am required by the state of XXXX. It is now XXXX and i am still unable to have the situation resolved - which is to have the title send over to XXXX XXXX so I can register the XXXX in the state of XXXX and then remove the XXXX plates and mail them back to XXXX as required.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: High Point Asset Inc
State: MI

Complaint narrative:
Relatives have gotten phone calls from High Point Asset Inc saying that I used them as references which I never did and they are going to be held liable for payments. True I did have payday loans in the past that have been paid in full but some of the names they said were used as references is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have had an overdraft account with Santander for over 5 years now. I have not made any payments because the original balance of {$1900.00}, with interest, is now {$4700.00}. I keep waiting for this account to go to collections so I can pay a lower amount, but it never has. I just keep getting more and more interest 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
Consumer complaint received 2015-09-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I had car loan with GM Financial, they have the beginning date as XXXX XXXX, vehicle was not purchased until XXXX XXXX, which was voluntarily turned in XXXX of XXXX due to my financial situation due to a prior job loss. The car was sold at auction in XXXX XXXX. I received a notice from the IRS stating I owed taxes for XXXX on this car because GM Financial had turned in a XXXX for XXXX. I did not own the care in XXXX, there has been no activity on the account from me since XXXX XXXX. I also received a carfax on this vehicle, every year that I registered the car for my tag XXXX where I live, the car was also registered XXXX which indicates the car was suppose to be a lease, not a purchase as I was told by the finance company. The car was sold for XXXX and they turned in {$3600.00} on the XXXX, again in XXXX not XXXX the year I turned the car back in to the company. This was not earned income, I never received any income from GM Financial. According to all the fees, I more than paid the full price of the car and in addition they received an extra {$4000.00} when it was sold at auction. I have tried contacting the company many times and if I 'm lucky enough to speak with someone I only get the run around. BEWARE of this company!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 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: Kinum, Inc., Indianapolis, IN Branch
State: AL

Complaint narrative:
In 2014 I secured the services of an attorney and provided a XXXX retainer, with no agreement, written or verbal which would authorize or permit the attorney, under any condition or extenuating circumstance, a blank check in which to exceed the retainer and bill for non-approved services. Upon discovery, on the day of XXXX XXXX, 2014, the arrangement for services were terminated with cause by the client. Shortly thereafter, the client received a bill from the attorney in the approximate amount of XXXX for non- approved charges which exceeded the retainer. The former client contacted the attorney, a discussion ensued and the client requested the refund of a portion of the retainer based on the reasons for the termination and further advised the attorney the non approved charges would not be paid. The attorney fully aware of the condition of the arrangement of services forwarded the account to a collection agency demanding payment for unearned, non-approved, billed services. To date, the former client is continually forced to tolerate the violating behavior of the collection agency in carelessly accessing his personal identifying information via skip tracing methods, harassing calls and voice mails, in their persistent attempt to collect full payment of an invalid, 2yr old account. An itemized bill provided by an attorney for unearned, unapproved services is not a contract and is therefore not enforceable. No legal agreements were signed by the client. The supporting documentation in possession by the client consists of privileged email communications between the former client and attorney.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: CO

Complaint narrative:
I currently have an auto lone with the company GM Financial, and even though I am slightly behind, I make my payments and even after making a payment, I will receive in excess of 6 or more phone calls a day sometimes more from them. I receive calls as early as XXXX on some occasions, on Sundays, later at night sometimes. It 's relentless harassment and I 'm less than a month behind! They really crossed the line when I found out they have been calling my ex girlfriends fathers ' home line with which I never listed him or his phone number as a reference so how they got it, and why they are calling it leaving me messages there is beyond me. This relentless consumer harassment is uncalled for and needs to end. They call from many numbers, but the most common are XXXX, and XXXX.

Company response to consumer: Closed with explanation