vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have XXXX bank accounts with BB & T ; XXXX saving and XXXX regular or basic. My other services are BB & T checking card or ATM card, and online banking and Overdraft protection. Everything was functioning great since I opened my account in XXXX last year until one day in XXXX of this year, I was contacted in XXXX, to change my saving account type to a checking account type, based on the fact I have exceeded the withdrawals limits for a saving account per Federal regulations. I am not complaining about this fact, as it seems fair within the Federal Regulations. So, I went to the XXXX branch to resolve this matter, and was advised to change that savings account to a checking account, as not be bound by withdrawal limits. In fact, the Branch banker ( level XXXX ) said the transition will be seamless and nothing should change ( besides Yields, etc ). I signed all the new account creation paperwork and specifically asked questions on the Overdraft protection form. To my satisfaction, as to have my overdraft protected and fed from my new checking account, I signed the relative paper or form ( which I have a copy of ). Two weeks later, I started noticing that I am getting charged NSF charges for overdrafts, I thought I was protected against. To my suspicion, the bank emailed me on XXXX XXXX, almost 2 months after the account type switch/transfer. 

My complaint is that they have my signature on the alleged missing forrm/signature and that they refuse to reverse or pay me back the Non Sufficient Funds fee ( more than XXXX USD, but this number is not confirmed yet ) that I incurred because of a misplaced or allegedly missing signature or form.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
This company First National Collection Bureau , Inc. ( FNCB ), Harass me from different phones numbers about a Debt resulted from identity theft back in 2011 with inaccurate and misleading information and refuse to send or validate the documents, but demand that I send them a payment for this fraudulent debt ( does not relate to any transaction ( s ) that I have made

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: High Point Asset Inc
State: CA

Complaint narrative:
I got an online loan through the company XXXX and paid off my debt. My wife got a a call from High Point Asset Inc, saying that I owe a debt. They disclosed all my personal information to my wife without my consent, said that they would call the police on me, and said they would prefer that I pay them with a pre-paid card. My wife asked them to send me a verification of debt through XXXX XXXX, which they did. The verification of debt did not have an original account number for my loan, their address of the business is a XXXX, my apartment number was n't listed, and did not include information about my rights under the federal Fair Debt Collection Practices Act. Also, the company they are collecting for is no longer in business and XXXX has listed that the former lawyer be called if another debt collection company tries to collect on their behalf. I have proof that my debt was paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Meridian Financial Services, Inc.
State: NC

Complaint narrative:
After pulling my credit report in XXXX, I notice a few accounts with a huge outstanding balance owed to Meridian Financial. I contacted Meridian Financial on XXXX/XXXX/XXXX. I spoke to XXXX about options for a plan to pay off the obligation. At that time, she said l would have to pay a lump sum of {$3000.00} in order for the account holder to look at the possibility for payment. 



I called Meridian Financial on XXXX/XXXX/XXXX and spoke with XXXX. I asked XXXX about my Credit Report and that it stated that I owe {$7500.00} and XXXX accounts. He informed me that the total is {$9400.00} and XXXX accounts on his records. XXXX stated that Meridian Finical Services a lump sum of {$3000.00} by XXXX/XXXX/XXXX or they are going to put more stuff on my credit report. Also, they could n't work with a payment plan until I pay {$3000.00} to possibly get approve for a payment arrangement. 



I spoke to XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX am. He told me that there is no one at XXXX XXXX can help me or speak to me about the account due to the delinquent status. He informed me to call Meridian Financial Services at XXXX ( but the # 's I have on file is XXXX ). I informed him the reason I contacted him due to not getting help with a payment plan from Meridian Financial Services and that I will be filing a complaint with the Consumer Financial Protection Bureau. He then gave me an email to contact the General Manager : XXXXXXXXXXXX. He then thanked me and said " have a good day ''. 



At XXXX XXXX on XXXX/XXXX/XXXX, I spoke to XXXX at Meridian Financial Services about the situation and he forward me to XXXX XXXX, where I left a voice mail at XXXX XXXX requesting a statement summary. 



I was not confident that XXXX XXXX would call me back so I called again at XXXX XXXX and spoke with XXXX. He looked at my account and said about the same thing. I asked if he could give me a summary of my account so I can visually see what is going on with my account. He said he could not and is not allowed to give me a statement of account or a letter with the proposal for repayment. 

I researched the complaints on this site and there are XXXX complaints against Meridian Financial Services listed in the database.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I was recently contacted by a third party for the company, Ace Cash Express. They contacted my mother and husband and told them that I was going to be sued for a debt that was not paid in 2014. I asked the company to send that information in writing so that I could forward it to to the debt relief company that is negotiating my debt. They told me that company policy would not allow them to do that and that I had to agree to an installment. I proceeded to tell them that I needed that information in writing because I am handling my debt through credit negotiators so that I can pay my debt off in a timely manner because my husband and I have separated and my funds are limited. They then proceeded to tell me that I had to pay what they told me but they could not send me anything in writing until I agreed to pay this predetermined amount and it would only be the installment agreement that was sent. The lady then got upset with me because I continued to ask for something in writing. She then said that she only works there and that they were going to sue me and see me in court because I would not agree to their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23 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: First National Collection Bureau, Inc.
State: WA

Complaint narrative:
First of all, the debt that they are claiming that I owe them is false. They are claiming that I owe XXXX wireless money when I do n't. Long ago I did have an issue with XXXX, but we settled it out of court. On top of that I did declare bankruptcy about 5 months ago, so even if I did owe this company or XXXX any money, that was wiped out and they are illegally contacting me. In addition, when I contacted them to get this resolved they refused to resolve the situation and hung up on me. That refusal would also invalidate any debt even if it were valid, which it is n't for XXXX reasons already stated. Finally they were asking for my social security number, which they have no right to do and I am not obligated to give them. When I refused they refused to do anything except demand it and eventually hang up when I stood up for my rights.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I am inquiring about a payday loan I had with Ace Cash Express between XXXX XXXX XXXX XXXX XXXX. I was informed that if I took out a loan within the timeframe noted above that I would be compensated due to the XXXX XXXX settlement that you all reached. I want to make a claim because I did have a payday loan with Ace at that time. Can not recall exact date. I do not have the loan papers anymore. I visited the Ace Cash Express on XXXX XXXX in XXXX Co. for XXXX dollars and was banking with XXXX Bank at the time. When and how will I be compensated? 
thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Application, originator, mortgage broker — 
Company: ONE REVERSE MORTGAGE, LLC
State: NV

Complaint narrative:
I applied for a reverse mortgage through One Reverse Mortgage ( " XXXX '' ). Shortly after I submitted my personal information to XXXX at their office in XXXX XXXX, California, I received noticed that my personal information, including my Social Security number had been breached, and someone in the XXXX XXXX area attempted to use this information to obtain over XXXX lines of credit. I believe One was negligent in its obligation to maintain the security of my personal information and that a member of the processing team allowed this information to be used by a friend or relative to attempt to obtain these lines of credit. The person went so far as to attempt a change of address with the United States Postal Service. This breach caused great anxiety and stress, with many sleepless nights for me, just waiting for another issue to arise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: IL

Complaint narrative:
I filed a Chapter XXXX Bankruptcy on XXXX/XXXX/XXXX with XXXX Bankruptcy XXXX. My discharged date was XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Global Solutions, XXXX. They are representing a payday company. I asked her who is the company but she said it so fast I did not understand her. They also called my son. I called them back on XXXX ext. XXXX an spoke with XXXX. I advised her that I had filed a Chap.XXXX She advised me that I had committed fraud. I hung up on her. She proceeded to call me back but I did not answer the phone. The phone rang at least 10 times. I called the lawyer that I had file the Chap-XXXX with and was advised to report my complaint to you because it was a scam. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 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 've started a new job which means my pay dates are off from when i first started the loan. i called to have the dates moved to the days that i actually get paid, and was told that i could n't do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Square One Financial, LLC
State: CO

Complaint narrative:
I pay XXXX $ to this financial institution for vehicle loan and only half goes towards the amount financed rest goes towards interest. They have caused so much stress on me I may have not payed on 2 time but I payed my late fees on top of the XXXX $ and non of that went towards the vehicle loan. I am a XXXX veteran who has XXXX and this has increased XXXX. Please help I also got email conversations between me and financial company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
A company called a said that someone came to my home to serve me papers for being sued on this issue. They threatened to come to my work and said that I had to pay in full today. I told them I have no money to pay the debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Special Financing Company, LLC
State: OK

Complaint narrative:
I have a loan with Special Financing that was arranged for and set up by XXXX a company that I now believe is a scam. They have misrepresented and failed to provide the services I was sold. I have stopped payments on this loan and am trying to get the XXXX the company who is responsible for the brokering of this loan to refund the money to them. Special Financing is working with this company who is not fulfilling their promises. When they called me about payment I referred the to XXXX and they said that they will have them contact me. I have still not received any contact from XXXX. I do n't believe they will.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: IA

Complaint narrative:
This phone number- ( XXXX ) XXXX will call atleast 1-2 times a week. I will answer the call, say hello, nothing, no background noise, no sound from whomever it is on the other line and then they hang up. EVERYTIME. 

Today ( XX/XX/XXXX ) I decided to call back. I asked why they constantly call me and never say hello and hang up. Her response was that it was a Robo call and they can not control it. 

This was unacceptable. I asked for a manager his name was XXXX XXXX. He was rude to me, brash and tried to trick me into confirming my identity. 

I decided to research the company and there are numerous complaints against this company. 

I do not feel comfortable providing my name to a company that can not be professional when they call 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 2016-08-25 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Attached below is a letter I received from a debt collector. Please see where it says Note 2. They have threatened to seize my bank account and I know for a fact that is illegal in Texas. I consider this a direct violation of the Texas Fair Debt Collections Act. Please see the excerpt from that Act : Harassment and Fraud are Prohibited State law prohibits the use of harassment and abusive collection tactics. It is illegal for any debt collector to : threaten XXXX or other criminal acts ; use profane or obscene language ; falsely accuse the consumer of fraud or other crimes ; threaten arrest of the consumer, or repossession or other seizure of property without proper court proceedings ; use the telephone to harass debtors by calling anonymously or making repeated or continuous calls ; make collect telephone calls without disclosing the true name of the caller before the charges are accepted. 
The use of fraudulent or deceptive practices is also prohibited, including : using a false name or identification ; misrepresenting the amount of the debt or its judicial status ; sending documents to a debtor that falsely appear to be from a court or other official agency ; failing to identify who holds the debt ; misrepresenting the nature of the services rendered by the collection agency or the collector ; falsely representing that the collector has information or something of value in order to discover information about the consumer. 
Your home and wages : Some collectors will threaten to take your home or wages to pay for a debt. In Texas, if your residence has been declared a homestead, it can not be taken to pay a debt except for debts taken for the purchase of the home ( ie, a mortgage in default ), for home improvements, for home equity loans or to pay certain taxes. Wages may be garnished only to pay debts related to court-ordered child support, back taxes, and defaulted student loans. Debt collectors can not garnish wages for repayment of consumer debt. 

You can read about declaring your home as your homestead, for which you will receive certain tax exemptions as well as protection against debt collectors here : XXXX ( tax exemption FAQs ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I informed them that I can not have anyone contact me at work regarding a debt. They came into my work threatening to sue me in front of my boss, co-workers and customers putting my job on the line after I told them I can not be contacted there. They are also coming to the house I stay at and leaving notes on the door several times.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
I have called finance manager at XXXX Nissan for the last three days to cancel my Gap insurance. I left multiple voicemails directly. I also left messages with receptionist but no call has been made to me yet about cancellation. On tuesday, I left a voicemail for general manager ( XXXX ) and he also has not responded to my complaint. 

Bottom line is that I want to cancel by GAP insurance. I do not understand why it is becoming so difficult and I have to follow up multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: VT

Complaint narrative:
The Auto dealer at XXXX XXXX XXXX in Vermont asked me to finance with the bank rather than pay them directly on XXXX XXXX. I agreed intending to send a check immediately to pay off the balance. The financed amount included an additional warranty for {$930.00} that I cancelled the next morning. I was told the amount of the loan would not include that {$930.00}. However for 47 days I could not get any account number or information from GM financial or from the dealer. I did not receive a bill, could not sign up on the account website, and could not get the details I needed to pay off the loan. The dealer said GM financial could not open the loan account until we had VT drivers ' licences. That took us until XXXX XXXX before I had access to the GM loan details. By that time {$730.00} in additional finance charges had accrued, the {$930.00} had not be deducted and hours have been wasted on the phone to both GM financial and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have had an extra20 account with Santander Bank for over a year, which provides its clients with {$20.00} each month that they satisfy two requirements : 1. Received a direct deposit of {$1500.00} 2. Make 2 bill pays Since XX/XX/2015, I have received the {$20.00} bonus for satisfying these requirements each and every month. During this time, I have not changed anything, and now since the billing period beginning in XXXX, they have refused to honor the promotion. Instead, I was charged a $ XXXX monthly fee, which I was able to get refunded after escalating to a supervisor. Once again, neither the origin nor the amount of the direct deposit has changed over the entire course of my relationship with Santander Bank. I have since spoken with a Santander representative and opened case numbers 4 times, each time being reassured that they would review my account and correct the mistake. 

I was provided no advance notice that my direct deposit would no longer qualify for their terms due to a change in their internal policy. At this point, I am due {$40.00} in payments and they have not been able to resolve the issue. To make matters worse, this resulted in my account incurring fees, requiring me to get them reversed.

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 2015-04-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I did not open this credit card account and have informed the bank and submitted a police report and documentation requested by Santander Bank to that effect and submitted a dispute to transunion credit agency, but they continue to call me at work and home at all hours of the day and night. On XXXX/XXXX/2015 XXXX from Santander bank called at XXXX XXXX pst, and this has happened more than XXXX!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed