vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CO

Complaint narrative:
I contacted the company on my due date and made arangements to pay the payment in 5 days when I had a paycheck come in. They said that was fine and told me to come in and pay on my payday. I then contacted them on my payday to see how much the payment was and they said I had to pay the total amount of the loan. I did n't have that much money to pay in full. I told them of my situation and they said I had to pay the whole amount. On my next payday I attemed to pay the full amount and they sent me an email saying that I had to pay the full amount plus {$500.00} to pay off the debt. They then proceeded to call roughly 20 times a day harassing me leaving me countless messages on my voice mail. They called so many times that I was reprimanded at work for my cell phone ringing twice an hour. I just want to settle the correct amount that is owed so the harassment will stop. The company is ace cash express.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I have owned my home for several years and fell behind on my mortgage due to a reduction in my monthly income. My home is underwater as many people 's homes are in this market, the only option I have to save my home is through the making home affordable program. I have applied for several modifications with my mortgage servicer and have received several denials. The denials are based off a negative NPV, which is a very vague decision. I make monthly income and could very much afford a payment for my home. The investor on my loan seems to fluctuate my value based off of the internet, they have never seen the inside of my home but value it at the top of the market, like a remodeled home instead of the true value. This fluctuation in my homes ' value is the major reason why the decision on my modification is always no. My loan was also recently acquired by an investor and was service released to Rushmore to foreclose. My only option left today to avoid foreclosure is to short sale. I was told by my servicer that if I would find them a good offer that they would work with me and not foreclose. I listed my home with a realtor and have received several offers for my home, an as-is offer at fair market value was accepted by me to submit for short sale approval. This offer was denied by my investor and the buyers increase was also later denied- we are within XXXX of the investors net today and they refuse to do an interior appraisal which would help close this gap in value. The buyers have decided to conduct an inspection of my home with their contractor and termite company, these reports will be submitted to Rushmore for consideration of a value dispute- the only problem is this investor does not entertain value disputes per my servicer. My home needs repair and this is why the offer is at this amount. This is not a low ball offer as it is within XXXX of the remodeled home that sold directly across the street. How can they not entertain pertinent information like this?! Given the situation that I find myself in I would be in a better place if I can have Rushmore work with me on a short sale, they promised they would and I have spent the last month preparing and helping with selling my home when Rushmore would rather foreclose. I fear that I will be kicked out on the street by my servicer, all of my attempts to work with them are futile and to make matters worse I often feel antagonized by the person assigned to my file. I am going through a rough patch in my life, I would appreciate being treated like a human being, I have held my end of the agreement to short sale, part of working with someone is to have the information I send in considered not hastily disregarded as insufficient-within 5 minutes of sending it. Sincerely

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
The debt collector told me that they would be submitting documentation to my companies HR department and begin the process of garnishing my pay. I asked the debt collector not to contact me at work, to contact me at home, to which they stated they would not argue with me and hung up on me. The debt collector then called my manager and left a voice mail threatening some sort of legal notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: FIRST GUARANTY MORTGAGE CORP
State: MO

Complaint narrative:
Mortgage company offer to refinance my FHA loan it 's taken 3 mos for an in house loan to close and was just notified today that they can close it because I was late with a payment. I have never been 30 days late and the loan servicer also reports I have never been late. They refused to look into this and have been very delequint in getting back to my calls and emails 7+ days multiple times. Also being bounced from person o person with different stories as to why they are taking so long. Even supervisor took 7 days to return my call or emails. I have not heard from the loan officer for over 20 days With no exploration to me just " we will look into it '' I also have an email from the loan officer asking me not to make the payment in question. I did not on his request but did when I found out the loan have n't closed yet but I was not 30 days late. They are aching this missed payment as why they ca n't close the loan. I feel they are untruthful and will not give me an explanation that makes since or return my calls to answer my questions. Also sent me a letter stating loan was in default but I have receipt for all payments and they are current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
Meridian Financial Services called me twice and was extremely rude. I asked for Corporate address and contact information so I can provide documents showing that I have not owned the property that they are trying to collect on for years. I can not get to the information I need because the collector keeps harassing me about a payment and cutting me off. On XXXX/XXXX/16 they called at XXXX XXXX and hung up after I asked for more information.

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 2016-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I got a job offer and was sent a check to deposit so i could buy a laptop computer and home office supplies. I deposited the bank check drawn on The XXXX Bank for the amount of {$3900.00} on Thursday XXXX/XXXX/16 into my Santander Bank Account. I was instructed, by my new employer, to withdraw the money as soon as the funds cleared and deposit that money in a XXXX XXXX XXXX account. My employer supplied me with the account number. On Sat XXXX/XXXX/16, I checked with my bank and the funds were cleared and in my account. I withdrew {$3900.00} as directed. ( I was instructed to leave {$50.00} in my account for petty cash. ) I deposited the {$3900.00} into the XXXX XXXX XXXX account. My new employer said the vendor who would be supplying the laptop and home office equipment would take the money from that account to make the purchases. On Monday morning I got a call from my new employer saying that they needed me to deposit another check for {$2000.00} and then I became suspicious. I checked my Santander account and it was showing a negative balance of {$3900.00}.! I went immediately to the branch and spoke with the Branch manager XXXX XXXX. She told me that the bank check was fraudulent and that the funds had not cleared. I was told that the bank clears checks in two days, as a courtesey to their customers. Now truly how what I have known that the funds had not truly been cleared. I saw the funds in my account and assumed as anyone would that these funds are now available. The customer has no way of checking this. Perhaps the bank should put some kind of warning or disclaimer in place letting the customer know that the funds may not have cleared. But to be told by the bank on that it was not cleared ; it was a fraudulent check and on top of that there is nothing the Santander bank can or will do!!!! The bank assumes absolutely no reponsibility I can not believe that I am the first Santander customer who was scammed and I shocked at the Bank 's attitude and lack of customer service!!

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 2016-01-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
You are showing my account with XXXX in collections this is not the case the house has been sold. 

See sale docs and the letter from XXXX that satisfied the loan in it 's entirely. PER YOUR LETTER!!! 

I am failing a complaint with the CFBP because I have asked that this be corrected more than ten times and I have been ignored. 

The loan should be displayed as paid as agreed per contract and the release send to me per your letter!!!!!!! 
Equifax has not deleted my bankruptcy per the court Oder per the settlement for the state of VA and Equifax. They have ignored my letters. 


Consent to publish the description of what happened? Consent provided

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: IL

Complaint narrative:
I XXXX XXXX live XXXX XXXX XXXX XXXX Il XXXX have a mortgage reverse since 2008 in the amount of {$310000.00} lien mortgage. I was not given the opportunity for a counseling session. The mortgage lender has been working with me to get caught up with the taxes. I was under the impression to help me stay in my home. Then all of a sudden the mortgage company file for foreclosure against me and took my home and confirmation of the approving the sale is XXXX XXXX. I have been told to wait when in communication and had no idea that my home was been taken from me. I only received {$1000.00} per month and have not been able to pay a high tax for {$1800.00} per year when I am getting a XXXX freeze home owners exemption and homeowners exemt exemption. Their is some Mortgage Fraud going on. My taxes should not be this high. Its not fair for The Federal Housing Administration to pay off the loan that was insured and defraud the government when I am still alive. My taxes has been inflated. I only have until XXXX XXXX which is the confirmation of the sale. Something is wrong here. I am XXXX XXXX years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Lionstone Holdings Group
State: MO

Complaint narrative:
I have received repeated phone calls with a man using the name of " XXXX XXXX ( spelling? ) '' ( private number ) stating that he will be at my location for me to sign legal documents and that he has placed he on his schedule. He also further states that he has my social security number. This morning, at exactly XXXX XXXX CST he called again ( private number ) to both of my cell phone numbers with the same message verbatim has before. Towards the end of the message he directs me to call : XXXX. I called this number and it just rang and rang until it either went to a unnamed voice mail or a lady picked up. I spoke with this lady and gave her as little information as possible. I repeatedly asked her what the name of her company was until after several attemps she finally told me she worked for " XXXX XXXX XXXX ( spelling? ) '' and kept asking me for my social security number but I refused to give it to her. Through several minutes of repeated attempts I only gave her my name, and she told me I have an outstanding balance from XXXX for {$1000.00}. I asked her if I could speak to the original creditor or verify this debt before continuing and she ignored my request and repeated said that they are going to find me at my residence and take legal action. She kept asking me if I was to make an offer probably XXXX times and would not listen to anything I had to say. She would only ask what my offer was or that her supervisor will issue someone to collect the debt and/or issue legal documents to be on their behalf. I asked for them to mail me whatever paperwork or documentation of this debt and they refused and said at this point they will only be able to obtain this debt by personal contact. 

Furthermore, it appears that this call are " robo calls '' since the call I receive from them is the same thing verbatim as the last calls were.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Lionstone Holdings Group
State: CA

Complaint narrative:
This company has been leaving me threatening messages, stating they will be coming to my home to give me papers. They have also contacted my daughter, who is emotionally unstable, questioning her for information about me and asking her to verify my social security number. They have also told her that I need to be home on XXXX XXXX because they will be bring me paperwork that I need to sign for. This scared her! I can not begin to tell you how upsetting this is to her. I have never received anything in the mail and have no idea what this company wants.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX XXXX, FL XXXXXXXXEquifax XXXX. XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXX # XXXX XXXX # XXXX XXXX # XXXX 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, Equifax et, the courts ruled each and every time that the CRA could n't merely " Parrot '' information from the creditors and collection agencies ... that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that does n't even contain my reasons for the dispute is not reasonable. 

If you do n't initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which I 'm sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 

XXXX XXXX SS NUMBER XXXX DOB XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have payed my ( on time ) mortgage for my home since XXXX, XXXX XXXX, I payed off my car in a year ( at my credit Union ) and payed down my credit card with a VA refinance loan. I applied for a XXXX XXXX Loan at my credit Union and found to my credit score was XXXX. So, I ask for the report, they ca n't give it to me. I apply for my report online and I ca n't see my report, but these " things '' ( lies ) disparaging discrepancies are being held against me, I even applied for a XXXX card and was denied because of incorrect trade-line information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 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 keep getting threatening calls, call back or else

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
i opened an account with santander bank in XXXX, nj on XXXX XXXX, 2016 with a promotional bonus of XXXX dollars within 30 days after having my account open for 90 days and meeting XXXX in direct deposits. I have met all these requirments and we are on day XXXX and i still have not recieved my credit. I have emailed the cs of santander with a ref of XXXX and still have yet to receive a response. I have also called account services and was given a ref num of XXXX on XXXX XXXX, 2016 and my credit has not been issued. When i opened my account on XXXX XXXX i brought with me a coupon which i had emailed and gave to the women who opened my account. I get direct deposit from my employer every 2 weeks and have met the XXXX total a long time ago. I dont feel i should have to fight for money which was promised and is still being promoted on their site as of today

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 2016-11-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My husband and I was working with our loan company to lower our house payment because they had raised it and we could not afford it. We sent all information, forms and bank statements to them and would not get back to us. It was always very hard to get in touch with our point person. They said they was sending out someone to evaluate the home. No one ever came. We received a letter that they were through with their evaluation and was ready to start foreclosure before sending someone out to our home.

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 2016-03-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: NY

Complaint narrative:
I took out a reverse mortgage with XXXX about six years ago when I was having severe financial hardships. They paid off my first mortgage but did n't pay off my back due taxes of about XXXX XXXX dollars. They assigned the mortgage to XXXX Mortgage. I had a repayment agreement with them. Then XXXX bought the mortgage again and Reverse Mortgage Solutions became the new service provider. From the start they seemed to want to foreclose and not give me a new repayment agreement citing FHA rules. In the meantime, after getting my reverse mortgage, I was forced to file Chapter XXXX bankruptcy and was discharged. After much trouble I was given a new repayment plan by them that did not state that any further tax payments would void the agreement. I told them that I could pay them every month until my financial condition improved. They sent back my third payment back because they paid the 2015 taxes. They have now started the foreclosure process again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: FL

Complaint narrative:
Some company named high point asset management from phone number XXXX keeps calling everyday. I answered one time and I was threatened to be put in jail for not paying a debt ( a debt they could not explain ) if I did not provide them with my debit card number or bank account number to satisfy the debt. The lady advised there was a court order to have me arrested if not paid. I hung up on her. They call everyday, I have my cell phone on auto reject but they leave the same voicemail everyday. Thy never did confirm the debt, they just kept asking for my personal information. I aksed them to mail me a validation of debt and they say " they did '' but I never received anything. Is this legal? And how do I stop it?

Company response to consumer: Closed with explanation