vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: UT

Complaint narrative:
I am trying to get a modification on my home. I was first working with XXXX XXXX XXXX. XXXX XXXX XXXX had all the documents needed to start the underwriting process. My loan was then transferred to Rushmore Loan Management XXXX XXXX, 2015. When first contacting Rushmore in XXXX I was told they had none of my information from XXXX but was told it can take some time to get the documentation. When I called I was told that they were only given parts of the documents and the best thing to do was resend ALL information which I did. My case manager with Rushmore Loan Management has given me false information many times regarding my loan. Also when I spoke to her she said she needed more information faxed. I asked her to review the documents she did have and come to find out they already had the documents. I was then told that I needed {$20000.00} for a down payment if I wanted to save my home. If I had the {$20000.00} I would n't be having to try and get a modification in the first place. Also I asked her if she could please leave a voicemail if I do n't answer and leave me the information that they need. This has only happened once and she did n't leave a message with documentation needed she just left me her name and number. I am extremely frustrated and feel as if I am being mistreated by this company. I did not receive notice from Rushmore Loan Management that my house was being foreclosed on. I was notified by they trustee note taped to my door that my house is going into auction on XXXX/XXXX/15

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
I 'm very upset! I am XXXX days away from my auction date and my bank is refusing to help me do a short sale on my home. I know that I am allowed a chance! Other short sale negotiators/realtors have told me I have a chance, too. I keep getting told that this is an automatic decline because there is " not enough time to review short sale per investor guidelines. '' I am working with a realtor who is a short sale negotiator and says that according to XXXX and XXXX XXXX, I can start the short sale XXXX days prior to the auction date while according to CFPB, I can start it XXXX days prior to the auction date. My loan is not a XXXX or XXXX XXXX but it 's owned by a private investor, which means I 'm still in the window to start the short sale prior to the XXXX days. I 'm very frustrated! My short sale negotiator is n't able to get anywhere and neither am I and this does n't feel right.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Erin Capital Management, LLC
State: NY

Complaint narrative:
I received the attached ( to this complaint ), notice form the XXXX New Jersey on XXXX XXXX, 2016. It states that a judgement was made against me for {$13000.00} in favor of Erin Capital Management. 
This case was settled without my knowledge. I have never received any summons nor was I served any papers giving me opportunity to defend against Erin Capital Management 's claim. 
Regarding Erin Capital Management : I have no knowledge of who they are, any purchase they may have made of a debt of mine, from whom, or what they paid for said debt. 
The notice from XXXX XXXX XXXX, court officer, also states that a copy of the writ of execution was attached. No such copy of a writ of execution was attached to his notice. This notice came in regular first class mail. 
I believe that Erin Capital Management is in violation of the Fair Debt Collections Practices Act ; and, improperly used the XXXX XXXX XXXX New Jersey.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Columbus Finance Inc.
State: OH

Complaint narrative:
I have a payment that is almost 30 days late. My fault, totally. When attempting to discuss a payment arrangement with Columbus Finance, I was belittled, spoken to rudely, and outright told to " stop talking '' after being asked a question that I assumed he wanted an answer to. I have never been so rudely and disrespectfully treated by any business. Ever. I was told if I did n't call with a payment by Friday XXXX XXXX, my car would be picked up. 
I was hung up on after this conversation on XXXX XXXX, 2016 and now on XXXX XXXX, no one will answer my calls or return them. I have called XXXX times and left XXXX messages with the person I normally speak with.

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 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I am in a chapter XXXX Bankruptcy and am working with a HUD approved Housing Counseling Office Named XXXX XXXX XXXX XXXX Who was given approval from my attorney to help me get a modification. The paperwork was faxes on XXXX XXXX, 2016. My counselor has been Calling two to Three days a week for the last 2 weeks and they Keep telling her that a fax was received but it is not loaded yet. My mortgage company is Rushmore Loan Management. I think they are trying not to help me. I know that it does n't take that long to upload paperwork into a system. Please help me!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I took out a small loan then lost my job, not even 2 days after the loans was to be paid back i got a very nasty threatening email saying they were going to garnish my check and take me to court and charge me almost XXXX! i didnt even borrow {$1000.00}! I dont know what to do or what they can even do. But never go through ace, they are a horrible nasty company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc.
State: SC

Complaint narrative:
First National Collection Bureau Inc. is attempting to collect a debt that is not only a result of identity theft but is as we know junk debt that has been re-aged from 2004. I take my credit very seriously and anyone who violates my consumer rights and protection. This debt can not be validated per the FDCPA or the FCRA for identity theft victims. I 'm tired of the harassment rather it be calls or letters. Attached is the original copy of my police report and the letter I received from First National Collection Bureau.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Green Trust Cash, LLC
State: CO

Complaint narrative:
I applied for a pay day loan with Green Trust cash. 
I payed amount in full back a couple weeks a later. 
I was contacted by a representative to pay amount, I told them I did. Representative said it 's a monthly reaccuring amount, so I canceled. 
I went through a bankruptcy and Green Trust Cash was included in the bankruptcy. Now I 'm being contacted again to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MA

Complaint narrative:
Received a letter in the mail from civil complaint services on behalf of Ace Cash Express. Letter identified me as the defendant and stated that I was being charged with fraud and for debt collection. Letter stated that I could call their XXXX number to resolve matter or I would be served papers. I do n't recall having a payday loan through this company and if I did, this is the first letter I have received about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 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 've received numerous calls from the company about a payday loan that they said I took out on XX/XX/2015 ; which is false. The first agent on XXXX/XXXX/15 said that they have video footage of me walking into a store and taking out a loan never paying on it. I took out a loan 2 years ago and it was paid on. He said that a sheriff will serve me if I did n't pay {$460.00}. I did not pay. On XXXX/XXXX/15, while working I kept receiving unknown calls and I answered and said nothing and I heard a lady say fine I will keep calling all day. She called several times in a course of XXXX minutes. I finally answered, and she said that a sheriff will serve me court papers today at my home and job for my coworkers to see. I told her that she was harassing me and asked for her information. She gave me XXXX XXXX, with a fake number, no address, and fake docket number. I later called back to get their address and they refused to give me their address. I have not received anything by mail informing me of this debt, just threatening phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: FL

Complaint narrative:
I received a phone call last week on XX/XX/XXXX and was told the company was Global Client Solutions. When I called the number back ( XXXX ), I got a recording that sounded as if they were saying " XXXX '' or something of that nature. I left my name and number, but never got a call back. Today, XXXX XXXX, I received a call from XXXX and XXXX. I called XXXX and was told the company they were representing was Global Solutions. They said I had borrowed money from XXXX XXXX, which I have never heard of and when I asked for more information they said I made a loan XX/XX/2011 and that they would settle it for {$430.00}. I told them I had never heard of XXXX XXXX and unless they could send me written confirmation that I had borrowed money and never paid it back, then I was not paying anybody anything. At this point, they hung up and would n't give me any more information. If I owe somebody some money they should be willing to give me documentation of the debt and prove I have never repaid it. The number that called me today ( XXXX ) called my home and also left a message with a friend of mine and I have no idea how they got that number. The number XXXX also left a message with my sister and I have no idea how they got her number. How can I make these people stop calling me if they wo n't give me any information to prove I owe money?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Elite Financial Services, Inc.
State: MO

Complaint narrative:
Calling repeatedly during the day. Advised i was working and unable to talk, they repeatedly called back. Upon attempting to return the phone call they immediately hung up on me and then started calling me again. Rep was XXXX @ Elite Financial. Today alone i have calls @ XXXX ; XXXX ( told unable to talk and hung up ) ; XXXX called back and immediately hung up on me ; XXXX attempted to call back to advise a better time to call, was hung up on again. XXXX was hung up on ; XXXX ignored call

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
Oportun Inc. is a very scrupulous lender that charges high rates without proper disclosures and pulled my credit without my authorization. They also have made multiple threatening calls from collections and even came to my job and home to try to collect a payment from me in person. They make multiple calls to my job sometimes XXXX10 times a day, eventhough I have told them that I can not take calls at work, and they are going to get me fired. I try calling their call centers, but they are located in XXXX and I do not feel comfortable giving my social and other personal information to XXXX call center agents. The call center will not transfer my call to the store where I did my loan. I Finally went to the store and asked for a Manager and the person said they do not have Managers at the stores. This company sounds like they are fraudulent, I regret taking out this loan. Most of the people I have dealt with do n't even speak XXXX, how can you do financial business in XXXX and not speak proper XXXX to communicate with customers that are not XXXX Speaking? This should be illegal, these people can not even explain all of the fees on my loan and the rate is almost 40 %. 

I do n't have my papers so I would like to remain anonymous.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc.
State: MD

Complaint narrative:
For 2 years, since XXXX, Dyck-O'Neal made my life unbearable with incessant phone calls and letters alleging that I owed a debt to XXXX XXXX that they were authorized to collect ( attached ). Uncountable times, I responded and advised them that I did not owe XXXX XXXX any money but they continued to harass me. Several times I called the number I was advised to call but the harassment continued. Then I applied for credit and was denied and informed that it was largely because Dyck-O'Neal had reported this debt on my credit ( attached ). My credit score dropped as a result of Dyck-O'Neal 's reporting. I contacted XXXX XXXX and they confirmed to me that I did not owe them any money and that they had not authorized any collection from me ( attached ). I confronted Dyck-O'Neal again and they wrote me a letter on XXXX XXXX, XXXX simply stating that they have ceased collection activities ( attached ). No apologies. No compensation for the emotional and financial stress they put me through for 2 years!

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been a victim of an atm scam and Santander bank will not provide me aresolution. I noticed XXXX separate cash atm withdrawls by viewing my online account at Santander on XXXX XXXX. The XXXX amounts were XXXX, and then XXXX additional charges for XXXX. Upon reviewing these I called the bank immediately to inquire ; as I knew I did not deduct these funds. They told me I would need to wait a few days as they were in pending status. Upon clearing, I followed up by filing a claim and gave the details. Atm cash withdrawals on my account that I did not make, however, I had my card in my possession. I waited the XXXX days for them to complete the investigation and the claim was denied with the reasoning that I had the card, there were no incorrect pin attempts and the transactions were done in the city I work. I told them this was not acceptable, wanted to see the tapes, and they had it done any adequate due diligence. At this point I call them every day to speak with someone to help and they just put me in a que and say someone with call me back - I have yet to hear from anyone. I started another investigation but due to the lack of due diligence I do n't foresee the outcome changing. This can not be okay - I have done some initial research and know that they are in violation of XXXX XXXX I am asking for your help and how I can get a proper resolution to these charges I did not make.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
I have repeated requested that GM Financial correct their Credit Reporting on the Auto loan # XXXX that has been subject to a XXXX CANCELLATION OF DEBT. I received the XXXX For tax year XXXX, wherein I had to include it in my tax return and incurred tax consequences. The continued reporting of a past due balance on my credit report is highly damaging to my ability to obtain favorable finance terms and is putting my family in a position where we are unable to secure housing due to this. It 's quite the troubling scenario, I ca n't actually PAY this bill to GM FINANCIAL because it has been cancelled, yet I am unable to correct my credit report and have it show that this debt is not past due {$11000.00} as of XX/XX/XXXX. This is a huge problem. Numerous correction attempts with the credit bureaus and GM Financial have yielded no results. 

I have done research on the topic and would like to advise both the CFPB and GM FINANCIAL that this issue has been litigated extensively, and that it has been decided numerous times by courts that it is inequitable to allow a creditor to belatedly enforce a debt after it received the tax benefit of the Charge-off, in addition to it being inequitable to require me to report this cancelled DEBT as income on my federal tax return and face tax consequences and STILL hold me liable on the debt. Below, please see all the research I have done in my favor. 

See : See, e.g., In re XXXX, XXXX ( XXXX. XXXX ) XXXX v. XXXX , 36 XXXX . XXXX XXXX XXXX. XXXX ) XXXX. v. XXXX, XXXX XXXX. XXXX. XXXX XXXX ( XXXX. XX/XX/XXXX ) ( " It would be inequitable ... to require that [ Defendant ] report the discharge of debt as income on his federal tax return or face the potential tax consequences and hold that the plaintiff may continue to hold him liable on the debt. " ). 

" is in direct conflict with the Internal Revenue Code and the fact that cancellation of indebtedness income is included within a debtor 's gross income. '' Id. at 270. The court further determined that the issuance of a Form XXXX reflects that a financial institution has, in accordance with 26 U.S.C. 6050P and 26 C.F.R. 1.6050P-1, discharged an indebtedness. Id. at 271.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
GM Financial has me in the highest interest rate car loan imaginable. 
I know my credit was n't the best when I got the car, but I feel that it is unfair Because I can not refinance my car because of its value and depreciation is less than what I owe GM Financial. A {$15000.00} car is gon na cost me almost {$30000.00} when I 'm done. Not to mention they would n't give me XXXX coverage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have been trying to get online statements for the past ten days from my checking account at XXXX Santander. I spoke to a supervisor, XXXX, on XX/XX/2017 after a 40 minute hold time. XXXX told me that she would have someone get back to me ... After a week of patiently waiting and hearing nothing I called again and waited for 33 minutes but got connected to XXXX who was going to try and connect me with XXXX but she hung-up on me. So I contacted the District Manager by phone and left a message for XXXX XXXX XXXX, To date I have not heard one word from this bank. I would like to start working on my taxes and need the ability to gather data on line and sort data. I have no idea why they are not providing basic services for my account. I know they have the capabilities but are unwilling to fix this issue. I am sure this is happening to other customers and this is a clear violation of federal law and banking regulations. I am reaching out to you in hopes you can get someone to at least contact me and get this situation resolved. Bad customer service is no excuse for no customer service. I can be contacted at XXXX XXXX, XXXXXXXXXXXX. I look forward to your timely response.

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 2016-07-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NC

Complaint narrative:
I am disputing GM Financial on my credit report I received notification from them that they did provide correct information to all three credit agencies for my payment record and my date for when the account first became delinquent. After reviewing my credit reports this was not true. The collection agencies have Re-aged this account and it is showing XX/XX/2014 as the last payment made. This does not match the date of my last payment to the original creditor. I am in the process of moving and this error is causing a problem with my credit report reporting properly.

Company response to consumer: Closed with explanation