vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe
State: PA

Complaint narrative:
I was contacted XXXX at my employment office by a collection agency which was seeking repayment of a student loan. XXXX I confirmed that although I had the same name as their debtor, I had a different birth date, different home address, etc. In short it was clear I was not the person for whom they were looking. Despite this, today I was told that the collection agency Conserve had issued a garnishment order to my employer which is surprising as they already should have had a record of the calls to me at this employer confirming I was not their debtor. I spoke to Conserve this morning and asked for something in writing addressed to me acknowledging their mistake and assurance that this would n't happen again. The XXXX individual was caught is a catch 22 of being unable to speak to me since I was n't their debtor. His supervisor, XXXX XXXX, a Manager with Conserve stated that he could not promise a letter to me as I sought. More troubling than this was the fact that the Garnishment Order was to be certified by the XXXX XXXX. That certification was given by XXXX XXXX whom no one at Conserve knew. I 'm not sure who XXXX XXXX is but he is certifying debt which is completely in error. I believe the attempt to garnish my wage with no warning amounted to an embarrassing hassle for me. One which should have been entirely avoided based on the initial calls to my office. I was not happy that despite causing his hassle, XXXX XXXX could not see his way to drafting a simple XXXX line email which acknowledged that I was not their debtor as such an email would have been in the debt record and would have avoided future confusion. Nor could XXXX XXXX shed any light on Who XXXX XXXX is despite the garnishment order being signed by him. ( See attached. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I have been trying to get a loan modification from XXXX XXXX XXXX since XX/XX/XXXX which the loan has now been bought out by Rushmore Loan Management Services. While it was with XXXX XXXX XXXX, after asking for help I was told I would have to skip XXXX payments which I did and then they would talk to me about helping me. They then sent me a letter telling me what I needed to send them which I did and to start making my payments again which I did. They said I would here back from them within 45 days. Before the 45 days were up they put us in foreclosure and never let us pay again even though we could make the payments and made us accrue over {$100000.00} in interest since XX/XX/XXXX. I have an attorney working on this with me. The last correspondence we have had from them was in XXXX XX/XX/XXXX which is well beyond the 45 days that they should have responded to us from the offer they gave us and our lawyer wrote back to them. This has been a continuing problem with this bank and has gone on way to long. This bank ignores our attorneys phone calls and we feel it is time the bank responds to us and our attorney. They have destroyed my credit letting this go on for so long. It is the banks responsibility to get back to us in a reasonable time frame and they are not doing that. I just want to hopefully receive this modification and finally move on with my life. I do n't feel the bank should have the right to keep this up in the air without any correspondence at all. I just want them to do what they should do in the correct amount of time allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 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:
I was approached by a company on or about XXXX/XXXX/XXXX in reference to paying an old Payday Loan from XX/XX/XXXXThe individual spoke so fast, I did n't catch the name of the organization. When I stated that I did not have the money they were requesting, the gentleman began yelling at me and threatened to take the next step which he said was a lawsuit. The gentleman then hung up on me. 

A few days later, I received a " Civil Lawsuit - Notification '' letter dated XXXX/XXXX/XXXX from XXXX XXXX XXXX. The letter stated that I was about to be sued for a XXXX/XXXX/XXXX Payday Advance Loan from Ace Cash Express. 

On Friday, XXXX/XXXX/XXXX and on Saturday, XXXX/XXXX/XXXX, I received text messages advising me that legal action ( lawsuit ) is scheduled to be filed against me on Tuesday, XXXX XXXX. XXXX texts said to call XXXX and press XXXX " today '' to avoid this action. 

The outgoing message for the XXXX identifies the organization as XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

This debt is well passed the Statute of Limitations in my state and this collector is violating FTC practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 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: MN

Complaint narrative:
hi. i have loaned money from ace cash express several times in the past 10 years.i understand that your company has settled a financial agreement from this company.please get back to me about this matter.they charged me an excess of interst, probably more than legal limit

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
XXXX XXXX, 2017 RE : Bank of America Solicitations by mail Hello CFPB, I have written XXXX letters to Bk of Am to stop sending my their mailings, I have gone on their website and selected my preferences which clearly indicted I do not want anything from them mailed to me. My bank statements and yearly tax information is emailed to me. That 's all I need from them. XXXX is XXXX in the Nation for mail fraud. Regardless of that, I simply do not want their mailings! Bk of Am refuses to listen to what I am telling them. I do not want to receive ANYTHING from them! 
Thank you, 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 2017-03-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Debt was paid - satisfaction of jmt filed XX/XX/2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Broadway Account Services
State: IN

Complaint narrative:
A gentleman from a unknown phone number called me on XXXX/XXXX/XXXX at XXXX pm. The gentleman identified himself as XXXX XXXX, a investigative officer from XXXX XXXX in XXXX, Kentucky. He told me I had criminal charges pending against me and that I needed to call a XXXX phone number and give them a account number he gave me for further information. I told him that it was against the law to impersonate a officer for a debt collector. He said this was not that. I called the number and it was a collection agency who claimed I had a payday loan debt. The company could not give me a date of the loan or the address of the company that the loan was supposed to be owed to.They threatened to take me to court if I did n't give them current info or acknowledge the debt. I told them I had never received any information regarding this debt and that I needed something in writing they refused to provide it. They claimed this debt was prior to XX/XX/XXXX but, that the claim was filed then. The name of the company is Broadway Account Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 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: TN

Complaint narrative:
Would not identify themselves with phone call at first. Threatened to sue me for illegal activities associated with taking out the loan because my bank account was closed, etc. I filed for ch XXXX bankruptcy and it has been discharged in XX/XX/XXXX. This debt is from XX/XX/XXXX I think & is included in ch XXXX. I phoned my attorney & asked them to send information to this collector to stop the harassment. They are calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I had my mortgage loan with XXXX for past 10 years. Suddenly, I received a letter on XXXX and indicated XXXX would stop servcie our loan from XXXX XX/XX/XXXX and Rushmore, and the new loan company who bought our loan would start servicing our loan. Also, XXXX told us that we should receive the payment coupon from the new mortgage company. 

That was why we did n't given our morgage payment in XXXX becasue XXXX did n't mail the payment statement and coupon to us. At the same time, we were wariting for the Rushmore 's payment starting on XXXX XX/XX/XXXX. But we could n't recieve it, so inteand sending our XXXX XX/XX/XXXX payment to Rushmore, we sent it to XXXX. XXXX the XXXX received it, they sent us a letter that indicated our XXXX XX/XX/XXXX payment would be transferred to XXXX but XXXX told us this would be the XXXX time for the XXXX. On XXXX XX/XX/XXXX, we still could n't receive any payment coupon from Rushmore, but we decided to mail out payment to Rushmore anyway. We did it and Rushmore cashed it. 

Since we have never and ever received the payment coupon from Rushmore, the new loan company, we started to feel it must be something wrong. We did n't send our mortgage payment on XXXX XX/XX/XXXX. In XXXX XXXX we started to hear their complaints and recevied a complaint from the court and they asked the court to collect our past ten month mortgage missing payments. They indicated that we broken the contract, etc ... 

We sent my XXXX XXXX, XX/XX/XXXX mortgage payment to XXXX, they returned it to me. 

We got all our mortgage payments history and sent to them for the dispute on XXXX XXXX, XX/XX/XXXX, but they still sent us Notice Of Intent To Foreclose and said that if we do n't pay them total of {$62000.00}, the missing payment from XXXX XXXX, XX/XX/XXXX to XXXX XXXX, XX/XX/XXXX before XXXX XXXXXX/XX/XXXX, they will initiate foreclosure proceedings ... etc.. 

We do have the missing payment money for total of {$24000.00}, the current XXXX payments we owe to them but they do n't want it and they are demading on {$62000.00}, that we do n't have it. 

I will hire a attorney to send a lawsuit against the XXXX and this may be the only chice we have at this time becuase there is no way the Rushmore can do what they want and take our home as granted. 

Amyowner of the house!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
On XXXX 2015 I signed a deed in lieu, the bank ( Rush Loan Management ) took possession of the property to satisfy loan XXXX. After many inquires to the mortgage bank they refused to provide a document stating the status of the mortgage loan and they keep reporting the account as " on past due '' affecting my credit and my possibilities to get credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NM

Complaint narrative:
I applied for a construction to permanent loan with XXXX XXXX in XX/XX/XXXX. With the builders contract, they required me to borrow more money than the contract to ensure the home 's completion. During the course of construction, the builder stole approximately the same amount of money which was over {$100000.00}, did n't complete the home, but XXXX XXXX closed the loan and made it a home mortgage loan ( not a construction loan ). The home was never completed and the builder sued for {$250000.00}. After two years of trials and arbitration, the builder lost but did not pay the award or legal fees. Home is still not completed. 
Before the suit started, I applied for a loan modification and was denied it because I had been paying my mortgage. When I could no longer pay for the legal fees and mortgage, I fell behind with my mortgage payments and was able to get into a loan modification program. It took over XXXX years and near the end of the process with XXXX XXXX ( I thought ), I paid over {$10000.00} in fees for the modification and after the last payment the loan was transferred to XXXX and then onto XXXX XXXX. I continued to work with XXXX XXXX on the modification for another year or so. On XX/XX/XXXX they approved the modification, and gave me XXXX hours to sign the documentation and return it to them. That same day my dad XXXX and was in the hospital. I did not check my email that day ( the notification for the modification was emailed ) because I spent the day in the hospital with my parents. The same day the loan was also sold to XXXX XXXX, effectively cancelling the modification. 
After some time, XXXX XXXX accepted the original terms of the loan modification. It is a XXXX yr loan with over {$300000.00} ( estimated ) in penalties added to the loan for time I was attempting to modify the loan. 
Last year the same loan was sold to Rushmore with the same conditions, although for many weeks it was unclear where I should send my mortgage payments, and I feared I was being set up again to fall behind in the payments. 
It is just very unfortunate that due to the predatory practices of XXXX, an unscrupulous builder that stole from the construction draws, XXXX XXXX continuing to issue the draws to the builder, and XXXX unwilling to help keep the loan from going underwater, I am now in a situation where I have a home I can not sell and a loan I will probably not be able to payoff in my lifetime. Added to this burden was the legal fees owed to save the house. 

Any help, assistance, advice, would be much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RevCrest, Inc.
State: CA

Complaint narrative:
I never applied nor did I go to school this loan is not mine. Several times I have requested proof that this is my debt Have been told several times would send documents. They have not sent anything. It has been over XXXX years that this dept has ruined my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Harbor Front Acquisitions LLC (Closed)
State: TX

Complaint narrative:
Harborfront Acquisitions Llc threatened with a 48 hr response time if not they would take me to civil court.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Debt collection — I do not know
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: AR

Complaint narrative:
I have no idea what this is even about. I have attached the email and the email attachment that was sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WI

Complaint narrative:
My loan was sold to a new company : Rushmore Loan Services in XXXX. This company has harrassed me every month for being " Late '' when I was still within the allowed grace period. Recently at their suggestion I tried to set up automatic payments - to happen right before the deadline, but they still sent me a statement saying I had not paid and that I should contact HUD for credit counseling. I feel they are harassing me to force me to pay by the due date, which I 'm sure they would prefer, but is not always possible for me, due to when I collect rents on this property. In using their online bill pay system something went wrong and the payment did not go. I am concerned that they have reported this to credit bureaus, even though it has been paid in full after I discovered the problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
Please help me as I have tried numerous to ask for verification as when I went to school I had financial aid that paid XXXX %, now I am being harassed. I do not feel I owe this debt and think I am being taken advantage of and this company still will not send me detailed list of charges, what has been paid by the financial aid. I was told when I applied and got accepted Financial aid would pay everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
This company repeated calls the County of XXXX XXXX toll free number asking for individuals of a personal nature but they speak in XXXX. This has been going on for months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 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: FL

Complaint narrative:
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
This dates back to XX/XX/2011. I had a deferred loan and one I was paying regularly on. I submitted my payment for the loan that was due and Navient applied the payment to the loan that was deferred, ignoring not only the loan number was different, but that the payment was not due on the deferred loan. I received a call stating that the loan payment on the open loan was late and then questioned them on where they applied my recent payment because it was not late. They could not find the payment at first, but after about a half hour on the phone, they were able to track down that the payment was misapplied ( their fault ). At first I was told that they would re-direct the funds to the open account. So I thought, a few weeks later, I received another call that it was late still. When I called back, they still had not transferred the money. Finally, after over a month, they finally moved the payment, however, I just recently applied for a mortgage, and they are denying me because of the late payment to Navient XX/XX/2011!!! Even though Navient knew it was their fault and their responsibility to rectify, they still reported me to the credit bureau as late! I have a print out of all of my payments to them since my loans started and I do not see anywhere where there was one ( 1 ) XXXX day late payment. How can they be reporting this? I have no other late payments to them except for the one they are reporting and it was not my fault. I did not even know it was even on my report until the credit denial! I have had nothing but issues with them since the start of my loans and feel like I have continually had to keep an eye on how they apply my payments. Their reporting practice is horrendous.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: OK

Complaint narrative:
I have XXXX Stafford loans being serviced by Navient. These are my highest interest loans of all my student loans, so I have been paying extra money towards them in order to pay them off more quickly. On the navient website, when you pay extra, it gives you the option to select whether or not to advance your due date, just as every other loan servicer I have ever dealt with. I always select NOT to advance my due date and have the extra simply go towards the principle, however, they have been advancing my due date nonetheless- meaning that they have NOT been putting the extra money simply towards principle as I had intended, but using it as simply a payment towards the extra due date. Thus, they 've been making more money off of interest payments by not allowing me to pay down my principle as quickly as I have been trying. When I emailed them about this, their response was as follows " ... Please note that each payment received will advance the due date by one month if it equals the minimum due, even if you request to not advance the due date, but it wo n't advance the due date more than one month. If you select online to not advance your due date and do n't want it advanced by the one month that it will automatically advance, then you will need to send us an email after each payment is submitted with your specific payment instructions ... '' I find this extremely misleading, and purposefully so. I also feel they are making this process much more difficult then it needs to be. I have several student loans, serviced by several other large lenders ( XXXX, XXXX, etc ), and none of them are this complicated.

Company response to consumer: Closed with explanation