vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I was given a {$33000.00} loan on a {$12000.00} Nissan XXXX. I can no longer afford the payments. Nissan will not do anything about rewriting the loan or giving me an option with a lower payment. I was told my only option is to voluntarily surrender the loan but would still be responsible to pay close to {$20000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: OH

Complaint narrative:
In XXXX XXXX, I opened a loan with another person through GM Financial. I was placed on the loan as co-borrower, however, never placed on the title of the vehicle, I was only placed on the loan documents. I am unsure why this occurred. When the primary person did not pay the loan, I paid the payments. I went to the DMV to attempt to take over the vehicle. By law in Ohio, if the other person does not sign for this, you can not be added to the title. The primary person obviously refused to sign the documentation. I have since taken this person to court to mitigate the situation. There are XXXX judgment liens, XXXX for the total amount of the contributory share, and a year later when the primary still refused to pay, the other to foreclose on thier home for the amount I sued for to pay off the loan. The primary person filed bankruptcy XX/XX/XXXX. 

I tried again to get GM Financial to give the vehicle to me via other means such as forcefully placing me on the title through the court. GM financial has refused repeatedly to help. In XXXX XXXX, GM Financial finally repossessed the truck, there was not a payment due on the vehicle until XXXX XXXX. 

I have tried to add the vehicle to my insurance, but was told it is illegal since the vehicle is not titled to me. It would be considered insurance fraud to which I could be tried and persecuted. 

I am held as a hostage, I continue to make these loan payments, I am unable to obtain ownership of the vehicle, as well as unable to insure it because I was never placed on the title or registration. 

GM Financial currently has possession of the truck and I continue to make payments on time monthly. They refuse to work with me or my lawyers. I have exhausted a great amount of resources attempting at a resolution to this matter. Attorney 's fees included. I am still in the same predicament. Only now, GM Financial has possession of the vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
After reviewing a recent credit file report provided by XXXX, it has come to my attention that " ConServe '', a collection agency based in XXXX, NY, failed to send written notice of a debt, did not specify the debt amount, and did not provide a statement with my rights to dispute the debt. The company has operated under unlawful pretenses and has violated the Federal Fair Debt Collection Practices Act. I seek an outcome through the ConsumerFinancial Protection Bureau that will rectify this gross consumer rights injustice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
XXXX ID : XXXX CASE FILE # : NT - XXXX LOAN INFORMATION PAST DUE AMOUNT - {$980.00} CREDITOR - ACE CASH SERVICES Accounts Department of Cash Advance has decided to mark this case as a flat refusal and press legal charges against you. 


You are going to be legally prosecuted in the Courthouse within couple of days. Your S.S.N is put on hold by US Government, so before something goes wrong we would like to notify you about this matter. 

Consider this as a final warning. And we will be Emailing/ Fax this issue to your current employer to make sure they take strict action against you. Your salary wages will be garnished too. 


THERE ARE XXXX SERIOUS ALLEGATIONS AGAINST YOU : ( 1 ) VIOLATION OF FEDERAL BANKING REGULATION ( 2 ) COLLATERAL CHECK FRAUD ( 3 ) THEFT BY DECEPTION We will be forced to proceed legally against you and once it is processed the creditor has entire rights to inform your employer and your references regarding this issue and the lawsuit will be the next step which will be amounting to {$3900.00} and will be totally levied upon you and that would be excluding your attorney charges. If you take care of this out of court then we will release the clearance certificate from the court and we will make sure that no one will contact you in future. 

Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And this is to notify you that this notification will also be sent to your current employer. The opportunity to take care of this voluntary is quickly coming to an end. We would hate for you to lose the option of resolving this before it goes to the next step which is a Lawsuit against you, but to do so you must take immediate action. 

If you want to resolve this matter then immediately contact us thru email or call us at ( XXXX ) XXXX between working hours XXXX XXXX to XXXX XXXX ( EST ) Ace Cash Services Phone : ( XXXX ) XXXX Department of Law & Enforcement ( ACS ) Copyright ( C ) 2015 ACS | Privacy | Terms of use

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IN

Complaint narrative:
I send my husband to get home and the money gram agent said it was picked and my husband told me it has a freeze on the money I need to know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Other financial service — Debt settlement
Issue: Fraud or scam — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA

Complaint narrative:
Global Client Solutions accepted a total of {$1500.00} in payments on my outstanding debt they paid {$420.00} out to said debt and kept {$1000.00} of the money with no explanation as to where that money went. I was originally told that {$370.00} would go toward my initial fee for their services which leaves {$700.00} unaccounted for and never returned.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: OH

Complaint narrative:
spoke with collection agency and was suppose to be setup on the rehabilitation program, I sent over the required documents and approved to make {$5.00} payments and they have submitted my loans to garnishment. This is causing me further financial hardship and they have mishandled my student loans and are not helping me to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I received foreclosure papers from a law firm with a breakdown of monies they are saying I owe. I have repeatedly requested a breakdown of how payments were made and who the payments were made to because there are monies that I paid that are not applied anywhere. Proof of this a {$540.00} credit they list as unapplied funds. I have no idea where these funds were to be applied, was this a payment not applied to my loan adding to the deliquency? I have repeatedly requested original statements which I never received.I have requested to see the original mortgage note I signed because I do not believe that is the note I signed. I have received no response as to my requests I have not received any of the information I am entitled to yet they want to take my house. This has been going on for 6 years and is still not settled all they do is keep transfering the mortgage from one company to another and I have to start all over again with my requests. This is typical XXXX behaviour along with the foreclosure mill attorney who continually breaks the law with these foreclosures bullying people.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: YSA ARM LLC DBA Oxygen XL
State: PA

Complaint narrative:
We had a credit card terminal that was presumed to belong to us. We paid {$100.00} for it back in XX/XX/XXXX. We quit using XXXX XX/XX/XXXX, but they say they never received notification the we ended. In XX/XX/XXXX they contacted us about returning the machine or pay {$450.00} for the machine that I thought we already owned. We said we would return the machine. 
We shipped the machine out and they received the machine on XXXX/XXXX/XXXX. We have been getting call after call from XXXX XXXX of Oxygen Recovery Group about a {$500.00} debt owed to Merchant XXXX. I call XXXX at XXXX XXXX at XXXX and he tells me it has been taken care of. XXXX will not call XXXX to verify, he just keep calling me. I told him and XXXX last time that if I ever heard from them again I would file a complaint and maybe sue them. Well today I get a letter from Oxygen Recovery Group again telling me I still owe and to pay or they will report to the credit bureaus. 
I WANT THIS HARRASSMENT TO STOP IMMEDIATELY. 
XXXX XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
U.S. Bank offers online deposits and initially the service was good and fast. You could submit a deposit using their Deposit Point and within 10 mins get a email notification that a deposit has been received. Then within 10 mins you would receive another email stating the deposit has been approved meaning that the funds are available. Now it takes 24-48 hrs for the approval and every time I call they have some excuse for the delay. How come the other banks can process deposits regularly at now U.S. Bank? I have never had any issues with my deposits and these are all for small amounts under XXXX for expenses from the company I work for. I have been a customer for over 8 years and will be forced to going in to a branch because online deposits is unreliable.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CITIBANK NA., XXXX -XXXX, XXXX-XXXX-Television & Radio I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I was notified today that someone from the XXXX Law Firm in XXXX XXXX, FL has been contacting people that are n't related me or listed as references on my loan application claiming that I am being investigated for Bank Fraud and that they are trying to reach my husband regarding an investigation about me. I was completely shocked and called the number provided to my husband XXXX X XXXX. The woman said that she has me on camera taking out a payday loan and since I violated the terms of paying it back I am now subject to bank fraud charges! How can a payday loan company threaten criminal prosecution? I would also like to know what gives them the right to tell people that I am being investigated for fraud? The one person they called is my ex-stepmother-in-law 's sister that I have n't spoken to in 6-7 years and the other person they contacted was my stepchildren 's maternal grandmother ( yes my husband 's ex-wife 's mother! ) I am in complete shock that they would call people that A. ) barely know me B. ) have never in my life been used as references C. ) tell these people I 'm wanted for bank fraud!!!! How is this legal????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: RFNA, LP
State: MS

Complaint narrative:
CREDITOR-REPUBLIC FINANCE CONTINUES TO CALL MY PLACE OF WORK AFTER I HAVE INFORMED THEM THAT PERSONAL CALL ARE FORBIDDEN AT MY WORKPLACE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: DISCOVER BANK
State: MT

Complaint narrative:
I received an advertisement from Discover Credit Card approximately three weeks ago. I do n't remember if it was in the mail or via email. It advertised a low interest and zero cost balance transfer from another credit card. So, in part of the online application process, I included balance and account info from the other credit card company, so if approved Discover would automatically transfer the balance. The screen then switched to another menu and I was informed that I was not approved for the special rate. I was asked if I wanted to open the account anyways. I said yes, and opened the account. 
I want to be very clear, at no time was I offered any information about a balance transfer under a different offer. I was completely under the impression that I received a new credit card account, and that was it. I was not told about a new modified from original offer for a balance transfer, fees or rates. 
I received my new credit card and activated the card and set up on line access. They offer a service where you get text messages whenever something happens with the account, I activated this feature. 
A few days later, I received a text message, letting me know that Discover had authorized a balance transfer. I immediately called. They stated that they understood, but the transfer was already in process and they could not stop the payment, their adivce was to contact my other CC company and have them refuse payment. I then called my other credit card company, and they said there was nothing they could do, the money would come electronically. Their advice was to call back to Discover and have them stop payment. I re-contacted Discover and asked them again to stop payment. I was informed at this call, to wait until the money was transferred, and finalized and then call them back and they would fix it. I then called Discover on XXXX/XXXX/2017 and spoke with a rep named XXXX. He was empathetic, but that 's it. I was told the transfer stands, there was nothing they could do about it, my only option was to contact back to the other CC company and request a balance transfer back to the other account. 
I was stuck with the almost {$70.00} in transfer fees and a much higher interest rate than I was previously paying. I asked if they would at least remove the balance transfer fee. I was told no. I asked for a lower interest rate. I was told no. 
I would not have approved this balance transfer if given the option. I 'm paying a higher interest rate, plus fees to transfer. I was only interested in the " teaser '' advertised rate, of no fees and low interest. During the application process, I was not given a choice, nor told it would transfer anyways with the different approval IE higher fees and rates. I was told there was nothing they could do, or were willing to do, I was stuck.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I paid this lender off a couple years back. It is not even on my credit report however they are sending me violent email about how my social security is going to be black listed and and I will have a warrant out for my arrest. From ACE legal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
Maintained a credit card with Discover Financial services, for 3+ years and did n't file a fraud complaint until 2 months ago. After filing a fraud affidavit and sending the fraud department supporting documentation, Discover Financial Services sent me 5 confirmation letters stating my funds have been credited as of the beginning of XXXX 2016. Upon checking my account everyday since beginning of XXXX, no funds have been credited. Discover financial services owes me over XXXX XXXX dollars in credits. 

Publish this complaint publicly, on the CFPB website, so consumers can publicly view the fraudulent tactics Discover Financial Services considers business as usual.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Northwood Asset Management Group
State: CA

Complaint narrative:
I had taken out a payday loan of {$5000.00} on XXXX and during that time had undergone a several financial setbacks due to a family death and housing situation. Both my wife and I had a XXXX in XXXX XXXX and had to have XXXX in XXXX XXXX. My wife and I are on fixed incomes and have struggled to get back on our feet. We also had to vacate our rental property due to our landlord short selling his home in XXXX XXXX and had undergone a major move the year before in XXXX XXXX. I had to reach out to XXXX Emergency Relief Program for some financial help, but fell behind in my household bills and had to join a debt consolidation company to help with our bills and the calls. The account in question was charged off {$4400.00} and I had not heard from anyone until now. I have received a call from a third party collection company called Northwood Asset Management Company. The telephone number is XXXX. Their is a case file number XXXX. The individual that called was XXXX XXXX, who called to threaten me with legal action and has called all my relatives and family members by their cell phone numbers. He has been very abusive, arrogant, demanding, and has belittled me with saying that I have not paid my debts and seem to be some kind of monster. I tried to explain the circumstances and he just blew me off with an uncaring attitude and started to run his mouth, threaten, using abusive language and I had to finally had to hang up on this guy. I finally had to call the Fair Debt Collection Act for consumers and they told me to file a complaint on the company and this his guys threatening and abusive tactics. Please feel free to contact me for additional information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MO

Complaint narrative:
Received a call and voicemail was left from a restricted number this afternoon around XXXX. Name of the caller was XXXX XXXX. No company name given, no specific reason for calling ( never mentioned actual debt or anything it was in regards to ). Immediately started talking about coming to see me Monday with a court summons at either my residence or place of employment and that I would need proof of ID and my signature. Said that if I was n't reachable on Monday or could not be found, that they would file an affidavit and further action would be required. Only information given to contact them was this number : XXXX and used the word 'firm ', no company name given. Also said to refer to case number XXXX. I 've received calls like this before and they have been happening more often. I did not call the number back, but a simple XXXX search pulls up similar incidents from other people receiving calls from this number and numbers like it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: National Creditors Connection, Inc
State: PA

Complaint narrative:
the national creditors connection inc.callin my home all time of nigh threating me about my morag payment that I paid .coming to my home .telling me that I got to pay more money.

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