vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XXXX/XXXX/2015 I received a call from XXXX in which this message was left. Hello my name is XXXX I am trying to contact XXXX XXXX to get a message to XXXX XXXX ( inaudable ). XXXX XXXX you were placed as a person of reference by XXXX XXXX ( inaudable ) and I would like you to call me back at XXXX at extension XXXX again my name is XXXX. No mention of the company however I later found out it was GM Financial. I believe the laws protect me from no more than XXXX phone call as a third party and that debt collectors are not allowed to leave messages with a third party asking them to contact them?

Company response to consumer: Closed
Consumer complaint received 2016-08-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Receivable Recovery Services, LLC
State: LA

Complaint narrative:
I have XXXX medical bills on my credit report that I have spoken to a representative about that I should not be charged for and she said it should be removed within 30 days after I provided the needed documents such as copies of my insurance cards and the bills are still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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:
I had my ties severed with my local Santander Bank in XXXX recently in XX/XX/XXXX and had my checking account closed after an incident ( I have received checks of a fraudulent nature which was n't particularly my fault ) and I was given a warning to my bank.However, I 'm still forced to pay Santander 's Line of Credit Overdraft Protection Service which I find to be unfair if I 'm no longer tied to the ban and have to pay back {$3000.00} I felt like I got XXXX to pay off a massive bill and I kept getting harassing phone calls from Santander after missing a payment and being called 5 consecutive times. I shouldnt be forced to pay a bill and get attacked with interest rates I was deceived by my bank that I could cancel the service but then I was told Have to pay the full amount back and I 'm struggling to find employment to pay this off.

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 2015-09-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
My bank charged me 5 {$35.00} fees for a total of {$130.00}. I made a deposit on XXXX at a branch and they did not post the transaction until the night of XXXX. On XXXX, my mortgage payment was processed bring the " available '' balance to below {$0.00}, even though my ledger balances was over {$2000.00}. Instead of charging me the fee on just the mortgage payment of {$4000.00} they charge me an individual fee of {$35.00} on every transaction pending.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-01-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
CHARGED OFF ACCOUNT THAT WAS PAID IN FULL, IS NOW BEING REPORTED WITH A BALANCE, SEVERAL COMPLAINTS HAVE BEEN MADE AND NEVER RESOLVED WITH A CONTINUED " RE-AGING '' OF THE ACCOUNT TO SHOW THAT A BALANCE IS BEING OWED.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander Bank, XXXX XXXX XXXX and XXXX failed to do their do diligence, by not calling XXXX bank to properly route funds to XXXX account. This event happened on XXXX/XXXX/2016 at XXXX at the XXXX branch. Ask for a Manager, their was none present. Then had to go to XXXX to cash XXXX bank settlement check.

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 2017-01-10 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander Bank held my deposit even after the funds cleared the bank on which the funds were drawn ( which was my business account with XXXX ). As a result the payment of my mortgage with Santandar will be late. I expect Santander to charge me a late fee and may report my late payment to the credit agencies. I complained about the impending late fee and the credit agency report to a customer service supervisor, XXXX, at the Santander phone center in Rhode Island. XXXX said that Santander 's policy is to hold deposits up to 4 business days before crediting the money to the depositors account even if the funds have cleared the source bank account. ( XXXX refused to give her last name. ) The deposit to Santander was made XX/XX/2017 and cleared XXXX XX/XX/2017. The mortgage is due XX/XX/2017. On XX/XX/2017 the on-line Standander statement reported that the funds to make the mortgage payment were " unavailable. ''

Company response to consumer: Closed
Consumer complaint received 2016-06-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: MI

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied. I do ask in light of the good standing relationship we have that you remove these lates from my credit report. I do not believe it is accurate and would rather not have to spend more time than necessary for both of us to resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
After XXXX XXXX failed to submit my paperwork for consolidation, my loans went into default and my credit took a steep dive. I switched to Navient and got my loans consolidated. Everything seemed fine at first but then came to " income based repayment option. '' After submitting for lower payments based on my income, I was sent information stating that my payments would be nearly $ XXXX/month and the only way to avoid making such outlandish payments would be to sign up for forbearance. I did and I was never told by doing so the interest in my loans would keep accruing. I do n't know what else to do to lower my payments except submit pay stubs as they suggested and reapply for lower payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: LA

Complaint narrative:
Our original loan was with XXXX XXXX. We purchased the home shortly after hurricane XXXX. We were told that our note would {$1200.00} or so, but when we received out statement the note was over {$1700.00}. Shortly after that we filed for our first a loan modification. In XXXX, the co-owner got ill and had to be out of work, loss of income. My wife soon became ill as well. In XXXX, the co-owner was placed on XXXX by her doctor but did not receive any funds for the first 6-9 months. All expenses were on me. After that my wife became ill. All this time we were filing loan modifications and each time we filed the paper work XXXX XXXX found some other reason not to process it. The co-owner was diagnosed with XXXX. In XXXX, my wife began to have more health issues that caused her to miss work, most of the time without a paycheck. So to try and help we filed bankruptcy in XXXX. We still had trouble making the note, this time because more than half of my salary was going to the bankruptcy. In XXXX, my wife filed for XXXX, she received a few checks here and there, when leave was donated to her but she had insurance that had to be paid first. Since we no longer had that income it was difficult to make the payments. Once the areas was paid XXXX XXXX sold the loan to Rushmore Loan Management. The co-owners XXXX has progressed and she was hospitalized for XXXX. Our bankruptcy was supposed to be finished in XXXX. It is now being discharged and Rushmore Loan Management is attempting to foreclose on the property. Now that the bankruptcy is not coming out of my check, I can now afford to make my payments. 
Due to these health issues it is a hardship to move. We need help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2014 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me or the payments were misapplied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Guidiville Indian Rancheria
State: NV

Complaint narrative:
The name of my bank is XXXX BANK located in XXXX XXXX, NEVADA. 

The lender charged mine and my husband 's bank account on the wrong day and for the wrong amount. 

I obtained XXXX payday loans from XXXX separate lenders. I do n't recall this lender being XXXX of them. They 're alleging I obtained a payday loan from them online. I question that, because anytime I 've ever applied for a payday loan online, I still had to speak with them over the phone and/or see them in person to finalize it. This was not the case with this lender, everything was allegedly done online according to them. In XXXX of 2015, I made contact with all of my creditors, including this lender, and informed them that due to unexpected unfortunate circumstances that have effected my financial situation resulting in financial hardship, I would only be able to make monthly payments of {$50.00} via money order or cashiers check on the XXXX of each month. I advised all creditors to discontinue debting my bank account for payments because there are no available funds for them to do so. I went on to say that I was very sorry for any inconvenience this may have caused and that beginning XXXX/XXXX/2015, I would be making monthly payments via postal mailed money order or cashiers check in the amount of {$50.00} to pay off any outstanding debts, that was the best I could do. 

This lender disregarded the information I provided and continued making attempts to ACH my bank account. Doing that only resulted in my bank account charging me fees for insufficient funds. 

On XXXX/XXXX/2015, this lender sent me an email that displayed all of my personal information in it, including name, full social security number, address, etc. Threatening me with legal action, accusing me of committing several crimes and harassing me in the worst way possible ( see attached copy of the email )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
I applied for a loan with ACE Loans. After submitting the proper paperwork I was denied a loan. I asked for a valid reason and was not given any specific reason. I called their main office and was also given the run around. I think this is a very questionable operation. They take your personal information and then do not offer a valid response like most lenders.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST GUARANTY MORTGAGE CORP
State: FL

Complaint narrative:
I refinanced my mortgage XX/XX/2015 with First Guaranty Mortgage. The loan officer told me that if I refinance, the MIP on my FHA loan would be reduced and the overall monthly mortgage payment would be lowered. He gave me an estimated monthly payment and after the refinance I started paying {$1800.00} per month. XX/XX/XXXX I received a letter from the loan servicing company ( XXXX ), that my mortgage will be increased to nearly {$2300.00} due to escrow increase. On contacting XXXX for an explanation, it was revealed that I was basically lured into a refinance that turned out to be non-beneficial to me. I was quoted a low monthly payment to refinance then later faced with a large increase in monthly payment. If I knew that my payment would turn out to be so much then it would have not made any sense to spend the money to refinance. This practice is deceptive. I now have a higher overall loan balance and a longer payment term for a refinance that turned out to be senseless.

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 2015-11-10 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Continental Services Group, Inc. d/b/a ConServe
State: TX

Complaint narrative:
ConServe on behalf of U.S. Dept of Treasury and VA sent me a wage garnishment for repayment of my G.I.Bill for classes I dropped. They said they would keep taking XXXX % out of my paycheck until a stop payment is received. I owed {$770.00} the collection agency instead garnished {$1000.00} out of my wages. Which means there was an overpayment of {$240.00}. I 've called ConServe and U.S. Dept of Treasury and VA and neither agencies can tell me where the money is and it has been 55 days now since the debt was paid. I do n't know what else to do because I served my country for 4 years to get my GI BIll, and I 'm being punished like this, I go to work everyday and I 'm being put further and further in debt because of this. How can I pay other debts if this agency is taking more money than owed on that specific court ordered garnishment? I have not received any documentation stating the debt was paid nor have I received anything telling me what they did with the overpayment, whether it was applied to another debt or whether it would be sent back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I am currently being harassed by a third-party collection agency for Ace Check Cashing. I have a overdue XXXX My family and I are receiving multiple phone calls back to back throughout the day. I attempted to call them back once I got off work but I did not receive an answer. My family informed them that I can not talk on the phone while I am at work but they keep calling. In addition they gave the debt information to my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Assets Recovered, LLC
State: CA

Complaint narrative:
I received a phone call today from XXXX XXXX with AR Group at XXXX ext XXXX calling for my brother. He has not given out my phone number and I told her that I did not want debt collectors calling me for my brother. She stated several times that she was not a debt collector and that she needed to talk to my brother, I told her to call him then since she had business with him. She said she had several numbers, he has had the same number for 10 years. I then searched the company and phone number she called from and they are indeed listed as a debt collector. I do not want them calling me again.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH

Complaint narrative:
I enrolled in school and never attended for XXXX. I contacted the school several times and was told everything was okay. I now on my credit report have not XXXX but XXXX collections that were turned over for a school I never once attended any classes in. I have disputed via my credit reports and can not seem to make any progress with that. But the account is not mine let alone now XXXX of them showing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian Financial Services, Inc.
State: MA

Complaint narrative:
This is the closest selection. This is a timeshare debt, specifically non payment of maintenance fees. Per Mass Gl 183B sec 29, the timeshare is subject to forfeiture for this non payment. However, it specifies a requirement of FORECLOSURE to recoup. use of debt collection agencies are not permitted per the law. Meridian Financial has been informed of this and continues to attempt to collect. 
additionally MASS GL183B states that additional charges ( such as subsequent maintenance fees or assessments ) can not be accrued once the 90 day limit of the first default has been reached. 
bot the timeshare company ( XXXX XXXX at XXXX ) and Meridian Financial have continued to add charges to the amount owed. Meridian had further indicted additional charges or interest XXXX be applied.

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 2016-02-29 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Thursday XXXX/XXXX/2016 I received a call from a number listed as my local court house. XXXX. I was told that I was being sued and needed to be served my papers for court the following day at my place of home. She asked me for my current address, and I gave it to her thinking it was for a legal matter. I asked the lady who was suing me and she stated she was n't sure the documents were sealed. She stressed the documents did have a mediation stamp and that means I can contact the attorney and settle before XXXX that day and not be served. She gave me the number to the supposed attorney whom I contacted immediately at XXXX And a gentleman answered the phone and I told him who I was he pulled me right up and explained my debt of {$680.00} that I could make in payments of half then and half in XXXX to settle outside of court. I explained I was just getting back from maternity leave and would only be able to make payment of XXXX and the remaining on the XXXX and XXXX of XXXX. He then transferred me to the payment center and a lady took my payment, She explained she would go ahead and send me receipt to my email immediately after. I waited and never got a receipt finally wrote and called the number back Friday and Saturday and was told they would get it to me as soon as possible. I finally got the receipt and noticed they had my current address, which no one has except the lady that called from the " court house '' so I got to thinking I wonder how they got my updated address. I decided to contact the court house this morning at XXXX and make sure everything was settled. I was informed by the representative from the justice of the peace that I never had a case against me and they would never even call me before they serve. So I have caught this company in a lie. They represented their selves with a legit phone number saying they were the court house in my county. So I am highly upset and will be filing complaints with everyone I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
called saying he is a court processor and has papers to serve me. 
If i do n't response or accept I will be prosecuted. 

Numerous calls to family members. 
Have my civil lawyer call and send a cease and desist letter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Wilson, Riley & Associates
State: CA

Complaint narrative:
He identified himself as a lawyer from Wilson, Riley & Assoc. & said his call was in reference to a summons I would be receiving at my door today or tomorrow. He told me my case number was XXXX. He said I owed XXXX XXXX {$310.00} but I never had a loan with XXXX XXXX. The payment arrangement he would make today was {$180.00} to consider the case closed or three payments of {$110.00}. 
I told him this call sounded like a scam & he said if I did n't pay I would be going to jail & he would ruin my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Guidiville Indian Rancheria
State: TN

Complaint narrative:
Original loan for XXXX dollars, never received a statement on line made a payment of XXXX dollars monthly. balance is now XXXX after 6 months. had to give my bank account info to receive check. monthly deduction of a minimum of XXXXfrom my bank, XXXX.loan original called blue horizon loan co. when I ask for statement I get other peoples account. can not print or use monthly statements.account number is XXXXminimum next payment is XXXXdue XXXX XX/XX/XXXX2017. XXXX will not drop this Loan co. from my account.

Company response to consumer: Closed with explanation