vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-29 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Recently filed a complaint against Target for fraudulent activity on my account. Received a letter from a XXXX XXXX on XXXX XXXX, 2015 asking me to submit information to Target so that they may conduct an investigation regarding the fraudulent activities on the account. I submitted the documentation to Target as instructed over a month and a half and still no response from this XXXX XXXX person. I have contacted Target on several occasions trying to get in touch with this person and no one seems to know who this person is nor do they have any contact information for this person. It almost seems as if they just inserted someones name on their letterhead and sent it to me and well as the CFPB just to respond. I feel that Target did not acknowledge nor answer my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have asked TD Bank to remove mortgage information that has been settled in short sale, but they continue to report negative information. The properties were sold in XXXX, yet the accounts remain active on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: CA

Complaint narrative:
I attended XXXX XXXX in the XXXX XXXX XXXX. When I signed up they told me I had to obtain a private loan to help cover the expenses the federal loan would not cover. I asked how about the grants, they advised the grants do n't always kick in but if they did they would refund the money to the Genesis Lending company. I signed up hesitantly because something did n't sound right. When I completed the program I asked about the accounting on my account because I know I obtain grants but the Genesis loan was never reimbursed and I bought books on my own so I wanted to see the refund on the money I did n't use. I got an excuse of I had to speak with the financial director but of course she was n't available. Unbeknowst to the person working on my account I saw on her screen that my grant was returned instead of my loan. I asked her again for a copy but was told only the director could give me that information. I was unable to receive the information on MY account which I wanted to verify how corrupt they are.

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 2015-11-05 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: HEARTLAND PAYMENT SYSTEMS INC
State: OH

Complaint narrative:
I made a payment arrangement of XXXX $ a month on a XXXX $ XXXX XXXX, which I had in 1984, to XXXX for the Univ of XXXX. I gave them my bank account information and they attemped to take out XXXX {$.00} which I never had in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
My mother passed away XX/XX/XXXX and she had a reverse mortgage on her home. I am the sole heir to my Mother 's estate and live in this property. It is my desire to purchase this home under the provisions of the FHA reverse mortgage. When I notified the mortgage servicer Reverse Mortgage Solutions ( RMS ) ( XX/XX/XXXX ) and told them what I wanted to do, they had me fill out paperwork for them. I was never told that the home needed to go through probate by them. It was n't until late in the process that they informed me about the home having to go through probate. I have been approved for the loan to buy the home, but they have filed a notice of trustee 's sale and the house will be sold on XX/XX/XXXX. I have asked for a postponement but they have not granted my request. I have lived in this home since birth ( XXXX years ) and I do not want to loose this home as it was my Mother 's desire for me to have this property. 
Every time I call RMS I seem to get a different person which has also been very frustrating since they never seem to have documents I have sent to them previously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
1 ) Subsequent to the loss of my debit business card which of course was timely reported to my bank under regulations E, I have not as to date received immediate returns of my funds as requested under banking regulations. 
2 ) There have been numerous UNAUTHORIZED CHARGES which were not made and unauthorized by me and or my business entity.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Receivable Recovery Services, LLC
State: SC

Complaint narrative:
This account is fraudulent and the company refuse to remove the account due to identity theft. Someone went to the XXXX under my name and created a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: DE

Complaint narrative:
I continue to get calls from this company, I believe it is High Point Asset @ XXXX. They are trying to reach XXXX XXXX at my cell number. I have spoken to them several times now, explained that this is not his number, explained that I have had this number for at least 15 years and request that they stop calling. Despite assurance otherwise, they continue to call XXXX at my number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: VA

Complaint narrative:
On XX/XX/2016, my vehicle was taken by a recovery service. When I contacted NMAC, at first they did n't even know it was taken. I was on the phone, being bounced around for at least an hour. When I did speak with someone, I was told twice that I was only one month behind and my car should n't have been taken. The 2nd gentlemen said that the reason for the seize was because I made my payment on a Saturday and the system was n't updated in time. However, he said that 's my problem and I had to pay {$1200.00} plus fees to get my car back. I know for a FACT that there are customers three or more months behind that still have their cars. I also know that NMAC plays these games with customers with newer cars because they get more money. I admitted that I was behind due to medical issues and offered to pay on the spot. The gentleman said no and would not allow me to speak to a manager. No less, that it 's hard to understand the customer service reps due to a language barrier. I have been with NMAC for two years and it has been one issue after another. Hopefully corporate and my lawyer can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I am requesting date of death balances for multiple accounts. I made the request in person to customer service rep XXXX who advised me that his manager XXXX was out on vacation until XXXX XXXX. I have left XXXX messages with XXXX since XXXX 's return to have her call me to advise me of the request status. I have not heard back as of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
I currently have Rushmore, ore Loan Servicing as the lender for my mortgage. I have receive several conflicting reports about my mortgage payments. I am currently up to date on my monthly payment s.. Payments have been sent and returned to me and additional late fee applied. This has occurred on more than XXXX occasion. Request for a loan modification application have not been sent. I have most recently received a letter with an intent to foreclose. I like to have my account current and maintain monthly payment as to such time I have paid the loan off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AL

Complaint narrative:
Back in XXXX, I had a {$300.00} loan with Ace Cash Express where I paid this company back using an debt consolidation company. Yesterday, XXXX XXXX, XXXX I received a notice from a XXXX XXXX XXXX, address XXXX, CA XXXX, stating that they are going to sue me on behalf of Ace Cash Express in the amount of {$840.00} for a payday loan for {$500.00} when I advised him that I never had a loan with Ace for {$500.00} and that the {$300.00} loan was paid back in XXXX and that I am requesting documentation stating that I had a loan for that amount along with the bank account and contract that I had this loan, the man refused stating that he will not give me any documentation that they will be using in court against me that I have the option to pay them or be sued. I advised him that he is violating my rights with the Fair Debt Collection Act, I am entitled to that documentation and that he is violating my rights. He disconnected the line. The phone number is XXXX, I also googled this number and there is several complaints of fraud listed under this phone number where they were scammed out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
This company have repeatedly called my family and have discussed the situation and threatened legal action against me. This company already have my information but still continues to harass my family. My family can provide voicemails and call logs of this company violating the FDCPA law. Also this company uses terms like the " civil division of this law office '' in an attempt to scare and cause panic within my family. This company have been sent a cease of communication notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 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 received a call from a lady " XXXX '', from a number from our county Clerk of Courts ( allegedly ). I was advised that there was a summons or sealed affidavit. I then inquired to what is was about and was given the number of ( XXXX ) XXXX, and to contact " XXXX XXXX. '' Upon calling, I spoke to a " XXXX XXXX '', working for a company called XXXX XXXX XXXX, and the Law Firm of XXXX XXXX, based in XXXX XXXX, FL and was told by " XXXX '' that they were going to serve me with papers. I immediately became suspicious but asked for the validity of the debt. Although he gave me some information pertaining to the debt, I was still unsure ... I then called the actual company ACE cash, and was advised that although ACE does use their services, they do not condone the threat or go after default debtors in that manner. I asked for a phone number for this company from ACE, and were given ( XXXX ) XXXX. I was told by the representative at ACE to call that number, and ask for XXXX. Upon calling, I immediately got " XXXX '' again. This was suspicious to me, but I then told him I need to check some things out and I would call him back.. I was advised by ACE that they just sold the account to the collection company approximately 30 days ago. I have never received any kind of written notification from any collection agency. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
Went to the credit card companies website to make a payment. I submitted the payment and the response from the website was the transaction " timed out '' please visit our site at a later time. I logout out came back, later and tried again. This time the message was, we are experiencing technical difficulties. please try again later. I did and got the same message. When to check my checking account balance and the transaction was posted XXXX times. Called the XXXX number on the back of the card. Operating asked me which of the transfers were to be reversed and I told her the last XXXX. I asked how long it would take to have the funds returned and she said, " depending on the backlog, between XXXX and XXXX days ''. 
I found this situation unacceptable. Want to let other know of the issue I was having.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SC

Complaint narrative:
RUSHMORE LOAN MANAGEMENT SERVICES IS A THIRD PARTY DEBT COLLECTOR. I Have sent them several notices asking them to cease contacting me regarding this debt. They became the servicer while, I was trying to remodify the mortgage. The Old servicer transferred assignment to them which cause the process to start all over again. When were not behind on the mortgage, but the old servicer would not accept payment while the remodification was in process. 1 year went by and they transferred the assignment to Rushmore Loan management Services LLC. Rushmore Fraudulently referred this Mortgage to XXXX XXXX XXXX XXXX XXXX to commence Foreclosure proceedings. Rushmore Claims XXXX is the note holder. XXXX has not responded to any notices, only XXXX has responded my concerns that were addressed to XXXX claiming that I do not have an account with them. See attachments for details.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Bull City Financial Solutions, Inc
State: DC

Complaint narrative:
after relaying to the supervisor of BULL CITY ( XXXX XXXX ) that i XXXX XXXX XXXX my be a victim of identiy theft, XXXX continued to request my personal info without validation or proof of any debt owed by me.The purported debt collectors ( XXXX XXXX ) have not only been argumentative, but have conducted themselves in a manner unbecoming of a debt collector as outlined in [ 15 USC-1692d ] 806. Their language and conduct violate the basic and common standards of the FAIR DEBT COLLECTION PRACTICES and BUSINESS ETIQUETTE. 
Sopervisor XXXX XXXX told me that by law i was obligated to answer his questions and refused to fully cooperate with me in the settlement of this matter. 6. Debt collectors are prohibited and or forbidden to report a purported debt to anyone once they have been told to cease and desist all debt collection activities by the consumer and or their representative ( s ) [ 15 USC-1692e ] 805 ( b ) because the debt has yet to be validated or verified, reporting to the several different credit agencies is a violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
Today is the sixth time I have tried to access my safety deposit box at this US Bank location ( XXXX XXXX XXXX, XXXX XXXX IL XXXX ). I have been successful in accessing my box XXXX attempts. The staff states they are unable to access the vault, ( that was the reason today why I was not allowed to access my box ) but other employees of the bank have stated that is not true and the vault was working. 
Also, the one time I successfully ( XXXX XXXX, 2016 ) accessed my deposit box the employee stated, " let 's not fill out the paperwork if you 're going to be quick '' and did not check my ID or fill out the required form to access my box. I believe there is possible fraud happening at this bank and employees may be accessing safety deposit boxes without consent or knowledge of box owners. I am attempting to empty my safety deposit box at this time but am not being allowed access to it.

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 monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
The bank made an error in charging me an overdraft fee. On XXXX/XXXX/16, I was charged XXXX overdraft fees ( {$36.00} each ). According to my statement, there were only XXXX qualifying transactions that should have resulted in fees. These transactions were conducted on XXXX/XXXX/16 ; the fees hit my account 3 days later. I even made a deposit into my account for {$75.00} without knowing I was going to be charged fees. As a result of the fees hitting my account days later, my account was overdrawn due to the bank not being forthcoming about my balance. I spoke to a teller at the location near me, and was told that there were no fees being charged to my account. Right now, my balance is - {$350.00}, all of which are overdraft fees as a result of the bank not charging me until 3 days later. There needs to be some form of recourse for this ; according to my statement, there was {$140.00} in my account prior to them charging me these fees.

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 2017-01-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
After losing my business and enduring financial hardship I called US bank for help and was told nothing could be done for me unless I was in default. After going into default I went through the Mortgage Adjustment Program ( MAP ). The first time through the payment was very near the original payment and with only about 30 days notice I was unable to begin the trial period. I submitted a second time with only my income as my wife and I separated and she no longer lived on the premises or shared in the costs. I was approved and received final MAP agreement around XX/XX/2017. I have until XX/XX/XXXX to accept. The bank has added $ XXXX to my principal for missed payments. There is no discussion or negotiation. My principal went from {$140000.00} to {$180000.00}. When I inquired, I was told that they simply tacked on 41 missed payments to the end of the loan. The predatory nature of this is that I did not BORROW more money, I missed payments. Logic would dictate that I would be charged interest for the 41 missed payments, not the amount of each payment including the portion that would be applied toward the principal. I am being charged my own principal payments??? How is this legal?

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 2017-01-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
RE : Issues over Home Financial Hardship Application with US Bank Ref : US Bank Home Equity Line Accounts XXXX & XXXX Property : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX : Mortgage Complaints Consumer Financial Protection Bureau XXXX XXXX, IA XXXX Dear Sir or Madam, I and my wife are the owners of the above property, which is solely encumbered by XXXX US Bank Home Equity Lines of Credit with the above account numbers. 

We are trying to sell our house, but due to the ongoing decline in the XXXX real estate market, the value of the house is now at or below the value of our outstanding debt to US Bank. We submitted a request for a short sale, with the Home Financial Hardship Application and all required paperwork, to US Bank on XXXX XXXX, XXXX. In early XXXX, we received letters that XXXX relationship managers, XXXX XXXX XXXX and XXXX XXXX XXXX, have been assigned to our case. Since then we have cumulatively left XXXX voicemail messages and sent XXXX emails to XXXX XXXX and XXXX XXXX, but received not a single response. We have also repeatedly called the US Bank customer service lines for both mortgages and home equities, but were given the run-around each and every time. 

We recently received an offer on our property which was below the value of our debt, but not having received authorization for a short sale we were unable to accept the offer. 

We are XXXX XXXX XXXX seniors with serious health issues ( please see attached HFHA hardship letter ). It is now 74 days since we submitted our request. We need assistance and are extremely frustrated and disappointed by the way US Bank has handled our case. We respectively request the CFPB 's assistance to resolve our case in an expeditious manner. 

Sincerely, XXXX XXXX Phone : XXXX XXXX XXXX ( cell ) / XXXX XXXX XXXX ( home ) Current Address : XXXX XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I went to US Bank to get a home equity line and the appraisal was completely botched. I mean they used comps that were a year old and average prices for my zip code were up 13.7 % versus last year. It appears that the appraiser was completely incompetent or the lending department gave him instructions on a number to come in at.

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