vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-04 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: IN

Complaint narrative:
In XX/XX/XXXX, RMS Reverse Mortgage Solutions, ( Mortager ) after claiming non-receipt of a {$38.00} fee due them by me, XXXX XXXX, ( Borrower ) put my loann into default and started foreclosure proceedings and charged fees totaling up to approximately {$900.00} in administration and appraisal services. The {$38.00} had been received by their office as verified when Borrower called. During conversation representative stated that it was not clear or apparent why foreclosure proceedings had commenced, but records would be corrected. 
My loan is marked in default again in XX/XX/XXXX on RMS records. I was not given a reason as to why. 
Each year since the origination of loan, XX/XX/XXXX, RMS sends a tax letter regarding my mortgage account in XX/XX/XXXX or XX/XX/XXXX, instructing that my property tax payments late and to please pay. The property taxes for the mortgaged home are due in XXXX County, Indiana, each XXXX XXXX and XXXX XXXX, and have not been paid late any tax year. However RMS uses their own tax schedule to regard them as late before the property taxes for the property taxes are actually legally due in my county.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IA

Complaint narrative:
Good Evening, I am reaching out to you this evening to file a complaint against Carrington Mortgage XXXX # XXXX. The reason for my complaint is due to clear TRID violations, on top of what I deemed as threats to either close my loan, or not be provided the credits owed to me through my rate lock agreement and good faith cures. I am currently going through a streamline refinance with them since they currently service my loan. The main issue I have is that throughout the process they never disclosed any title fees associated with the loan. They did provide me with a SSPL, but not once did the loan estimates that I received have those fees. Once they disclosed the closing disclosure to me there was over {$1000.00} worth of title fees disclosed. I pushed back asking what valid change they had all of sudden to charge those and without that this was a violation of the regulation. After some back and forth, they agreed it was an issue stating 'system ' problems and worked to provide me an update disclosure. When I received that updated disclosure I noticed that they cure they provided me was not accurate. The cure was almost {$300.00} less than what it should have been per the regulation. I again pushed back stating this was an issue. At one point I was even asked what I thought the cure should be. I was finally provided an updated closing disclosure, but it was followed up with a we need to close 'or else ' scenario. I informed them that less than 24 hours to review the documents was not enough time. The response I received was if we ca n't close this month we can not provide you with the credit for the rate or the lender cure for the fee violation. My rate is locked through XXXX/XXXX/16. To help provide a little background, I am compliance manager at a local mortgage company. I am working to get this resolved, but my concern is how this company is treating other customers. I am lucky enough to know what is right and wrong, but there are others out there that do not. I have copies of all my disclosures as well as email communications with the lender that document these issues. I would be more than happy to provide them if someone were to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Rash Curtis & Associates has been fraudulently attempting to collect for a debt which I do not owe on XXXX accounts for a hospital that closed over more than a year ago. The collector has proof that I was covered fully covered by XXXX whom paid for all my XXXX expenses. The collector has refused to provide me with proof that I owe them or that XXXX did not pay. After receiving my certified letter which they signed as received on XXXX/2017 ( proof is attached ) advising them that they had 30 days to validate the debit or I would be contacting the XXXX as well as filing a law suit against them, they refused to respond. I 'm sending a letter to XXXX today requesting for these fraudulent accounts ( XXXX, XXXX & XXXX ) to be removed within 30 days as they also will be unable to validate this debit. I have attached my supporting documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I leased a vehicle XXXX XXXX and my salesman took my down payment telling me I would n't have my first payment until XXXX since I was buying at the end of the month. I had got nothing in the mail during that time until the beginning of XXXX which is when I made my first payment. ( XXXX/XXXX/2015 ) If you look at my payment history is consistent and never late ... so I thought. My sales guy even worked that into the negotiations of leasing the truck. I thought to myself well I can save that payment and double up on the next one. I monitor my credit closely and started seeing late payments on there so I called today to find out I have been late cause my first payment was XX/XX/XXXX. Being this was an oversight by their sales team and I 've been consistently paying I thought they 'd consider removing these but they were rude and did n't. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I applied for a mortgage refinance through Santander Bank Back in XXXX of 2016. I have just recently been denied. Reason excessive obligations in relations to income. However in speaking to the agent they XXXX would n't use income from my car allowance or commissions I get. The agent did n't understand wy, huis boss did n't understand why. I just do n't want anyone else to have to go through what I went through. it was a waste of time and money. They did n't even look at my tax return. It sounds to me like thye just wanted to see paystubs, how much someone owes if it meets the 50 % they will do the loan. They do n't want to do extra work. not sure why they are able to do that. it cost me a lot of time and money and effort. They sould not be allowed to gt away with that!!

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 2016-09-24 00:00:00
Product: Other financial service — Check cashing
Issue: Excessive fees — 
Company: DFC Global Corp.
State: LA

Complaint narrative:
On Friday XXXX/XXXX/2016 i went in to Money Mart at XXXX LA. I had to cash a payroll check, The check cashing fee was 3 percent. This is an outrageous rate to cash a payroll check.

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: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AZ

Complaint narrative:
I went to XXXX XXXX on XXXX XXXX and traded in my XXXX Nissan Sentra for a XXXX Nissan Rogue. I informed the sales associate and finance department that my payment was due that day and I did not want to be late, incur any fees or risk being taken to collections. I have always paid my account on time and more than the minimum payment. My XXXX Nissan Sentra was financed through their own financing, NMAC. They recommended me to call NMAC and let them know that I had traded my car in and that the pay-off should be coming shortly. I did as instructed and left that day with my XXXX Rogue. I had to come back to the finance department of XXXX XXXX on XXXX XXXX to re-sign the loan documents since I had financed through NMAC again. That same day I brought it to the attention of the finance associate that my car was still not paid off and going on seven days late. They informed me the payment was going to be sent out that day since I was signing the new loan documents that day. Multiple calls/texts had been exchanged prior to the vehicle going 30 days late. However, no one would take ownership and/or follow up with me. Fast forward to XXXX XXXX, not only did I receive a notice that NMAC ran my credit through XXXX XXXX, incurring an additional and un-necessary credit inquiry, but I received XXXX notices stating that XXXX XXXX had in fact failed to payoff my vehicle within thirty days of my original payment date, resulting with my credit score dropping over XXXX XXXX points. I sent an e-mail to XXXX XXXX, the GM of XXXX XXXX, on XXXX XXXX to inform him of my experience. In the e-mail I had requested that he take the necessary steps to address this experience and correct my delinquency on all XXXX of my credit reports. This has taken me well over a year to have finally removed the delinquency and to try and repair my credit score. I never heard back from XXXX XXXX and my credit was never fixed so I moved forward. I filed a claim with the XXXX. The response from XXXX XXXX was that it was my responsibility to follow up with the dealership to ensure the payoff was sent. After sending back a detailed verbatim response, XXXX XXXX had no further comment or feedback. Either XXXX XXXX or the XXXX closed the case and listed my complaint as answered but unresolved/unsatisfactory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Before leaving for an extended stay in another country, I contacted Santander Bank to let them know that I would be in a certain city for 9 weeks and wanted to make sure that there would be no problem using my debit card at the Santander ATM in the city I would be staying in. They noted this on my account and assured me that there would be no problem. In XXXX 2016 ( mid-way through my stay ), Santander made a decision to de-activate my debit card as a new one, with a new chip, had been sent to my home and had been activated by the bank. I received no notice that the card I had with me would be de-activated. So, basically, Santander Bank is holding my funds hostage while I am in another country, unable to get the card that is sitting in a pile of mail at home. I have spoken with numerous representatives trying to get help and the answers have been the same ... so sorry ... .nothing we can do ... .the new cards were machine generated ... .the card you have with you can not be reactivated ( exp. date XX/XX/XXXX ) etc. I am trying to figure out a way to get cash. I can not believe that Santander activated a new card and deactivated the card I currently have with no notice or input from me. I thought it was up to the consumer to activate a new card. The fact that Santander is unwilling to even try to help me is unacceptable. I am sure that I am not the only consumer who has been left stranded without access to their funds while out of the country. How could this possible be legal???? Of course, I am closing my accounts with Santander upon my return home but I think more needs to be done to address this completely irresponsible decision.

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 2016-10-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Urgent!!! Urgent!! 
It is with great fraustration and hysteria that I am asking that you review my file. My house just sold and my attorney was never notify of the sale day. I have recently submitted a loan modification package up dating all my information, for I was not aware of this sale. My attorney 's office after filing documentation was notify that this file had been transfer to four different attorneys. The First attorney was XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX law firm .Please I am now requesting you reach out to Rushmore loan servicer who apparently did not inform me of the sale day. We have no place to go. I had requested a loan modification due to circumstance beyond my control. I lost my job and so did my wife. Shortly after she suffered XXXX due to the treat of eviction. We want our home. I am attaching my financial for review. 
We finally were able to get our finances in place and provided such to XXXX loan servicing.. We have made significant cut back to our budget ; eliminating many services to our home to be able to survive this set back. We now receive my pension and my wife social security income. 
Kindly confirm receipt of this request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: TX

Complaint narrative:
All information matches except for the last four of SSN ( XXXX ). The SSN they have on file ( XXXX ) is not mine but the name, address, phone # is correct. I have requested that they remove me from there dialer and cease contact with me until they can prove this debt belongs to 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 2016-07-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
I have been attempting to get a loan modification. When I last submitted the modification package in XX/XX/XXXX and XX/XX/XXXX the representative told me that I needed additional income. So I found a part time job that I started XX/XX/XXXX. In the process of doing that I received a letter stating that a sheriff sale was scheduled for XXXX/XXXX/XXXX XX/XX/XXXX. After calling a countless number of times and none of my phone calls being returned, I was able to reach my account manager on XXXX/XXXX/XXXX. We discussed the sheriff sale date, the option of a short sale as well. I informed her that I had a part time job and was there still an option to do a loan modification. She said yes and once she had a completed package that would stop the sheriff sale. I sent a completed package in on XXXX/XXXX/XXXX. A few days later I received a letter stating that the modification was denied because it was not received 37 days earlier. And the funny thing, is that as many times as I have applied for a loan modification, I never received a letter stating why I was denied. I would find out that I was denied by the constance calling I was doing to check the status of the loan modification. I have been calling my account manager every day, sometimes 3 times a day and none of my calls have been returned. Finally on XXXX/XXXX/XXXX I called and asked to speak to a supervisor. I spoke to XXXX explained my situation and he said he would see what he could do and call me back in one hour. Needless to say no one has called and today is XXXX/XXXX/XXXX. I 'm frustrated and do n't know what else to do. I want to keep my home but how am I going to do that when no one from the mortgage company will contact me back. This is an ongoing issue with this mortgage company, which causes so much frustration. Due to non response from the mortgage company I filed a request to reopen my case. It was granted and I have to appear in court XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Meridian Financial Services, Inc.
State: DC

Complaint narrative:
For the past few months, I have gotten phone calls and at least XXXX letters ( dated XXXX XXXX 2015 and XXXX XXXX 2015 ) from an outfit called Meridian Financial Services , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NC XXXX, phone numbers : XXXX XXXX. It turns out that this is a Timeshare company and they claim I owe them {$600.00}. I do n't owe these people anything. I 've never owned a timeshare and never will. They 've called me at home after XXXX and they 've called me early in the morning. 
I 've told these knuckle-heads that I do not own a timeshare and to take me off their calling list. And each time they say that they have removed me, but a few days later, I get another letter or call. 
The last time I talked to someone named XXXX and I also talked to the someone who claims to be the Account Manager : XXXX XXXX. I was not very nice to them and I demanded that they stop writing and calling me. I 've had it with these clowns.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 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: VA

Complaint narrative:
I 've had no XXXX XXXX Accounts to my name in many years, maybe 6 or 7. When I finished my last contract with XXXX, I paid everything I owed proof of which is that I was allowed to take my mobile number to XXXX XXXX XXXX where I still have it. However, XXXX XXXX XXXX XXXX and First National Collection Bureau Inc keep harassing me by mail and phone calls to pay the {$51.00} that they say I owe and I know I do not owe that money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: NY

Complaint narrative:
First National Collection Bureau , Inc. sent me a letter ( along with a payment book ) indicating that I owe over {$5000.00} to a company I never incurred debt from. On this letter, they indicated that this " debt '' was from 2007. After further research, it was determined that this company has been practicing in false/scam situations similar to this one for years. I ran my credit report ( as a safety precaution ), and saw that this debt is not and never was on my credit report. Upon further research, I saw that this company has MANY class action lawsuits pending against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I went to ace in XXXX, Texas and received a payday loan of around XXXX to XXXX dollars. I lost my job before it was time to pay back the loan and talked with a few reps about resolving the issue. They said someone from management would give me a call to walk me thru the next steps and step up a payment plan. I was never contacted and when i called a month later an employee placed me on hold and never returned to the phone several times. Now over a year later the are calling my grandmother and anyone they believe to be kin yelling, threatening legal action against them if i do n't pay before they ever contacted me. Once I finally got in contact with someone they said the are filing criminal charges for check fraud, and once I told them I XXXX have n't worked since last year the lady stated good luck with the judge and the courts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: HireRight Solutions, Inc.
State: WA

Complaint narrative:
I am applying for companies that use Hire Right background checking services. I would like to retain a background check on myself through this service. They wo n't let you retain your own report unless a company has requested a report on you. But by then it is too late and I will have lost the job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
XXXX XXXX from XXXX XXXX XXXX contacted me from XXXX stating I owe a loan and I need to contact by end of business day or I may be charged by my county for a case. I have been receiving harrassement phone calls to me and family members. I received a contract to sign via email from XXXXXXXXXXXX to make arrangements to pay XXXX installments to stop case from escalating. after I agreed I did further research to originally debtor to find out this loan from longtime ago has been in good standing and has not been forwarded to this collection agency in question. I feel I have been scammed and they got XXXX installment from me but no more. they are very convincing so I was afraid and got scared so they can leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: FIRST GUARANTY MORTGAGE CORP
State: MA

Complaint narrative:
Goodmortgage.com provided me a good faith estimate and then changed the structure of the loan at the finish line. What they did to me was criminal and they robbed me of money while putting me under duress to close on the loan.

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