vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-15 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OH

Complaint narrative:
I went into Ace Cash Express on XXXX XXXX in XXXX on Saturday to obtain a payday loan, as I sometimes do when my child support is late. 
The rep there, XXXX, asked me how much I wanted to borrow. I told her that it all depended on when the loan would be due, as I get paid from my job on Thursday ( if a loan is paid during a certain period of time, no interest would be required ). She told me that - if I paid the loan by Thursday, I would n't have to pay any interest. I then told her, in that case, I would borrow {$200.00}. XXXX proceeded to complete the paperwork for the loan. 
After I was approved for the {$200.00} and I signed all of the loan documents, XXXX then said to me, " Oh, you 'll have to pay it back by Wednesday, not Thursday ''. I asked her how much I would have to pay in interest and she stated {$47.00}. I told her ( since the initial information she gave me was WRONG ), that I then only wanted to borrow {$100.00} ( because I certainly do n't want to pay {$47.00} for such a short period of time ). She then snapped, " Now I 'm gon na have to do all this paperwork all over again! '' I told her, " Well, YOU gave me the wrong information about WHEN it would be due! '' She then said, " Well, I thought you would already KNOW since you come in all the time! '' So, because I come in all of the time gives XXXX an excuse to assume that the consumer should know more than SHE SHOULD?? 
So, after XXXX huffed and puffed and proceeded to process the {$100.00} loan, she said to me, " You were denied for the {$100.00} ''. I said, " What do you mean that I was 'denied ' when I was JUST approved for a {$200.00} loan? '' She said, " The computer denied you for the new amount ''. This was all due to XXXX 's error and her need to cancel the first ( approved, {$200.00} XXXX request. So, I had no choice but to leave with no loan - all because XXXX ca n't do her job correctly. She provided the wrong information, then appeared to be totally CLUELESS when the 'computer ' denied it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I 've had a mortgage on a small summer home for about 20 months. In XXXX, they decided to change the loan servicer to what looks like an in-house servicer, Rushmore Loan Managment Services. I have sent in payments, and have reaquested that they change the autopay option I have set up with XXXX XXXX XXXX, from XXXX account to another. I have written them, faxed them, called at least XXXX times. They do not change the account the monthly mortgage is taken from, and as a consequence every month I have to keep the new and old accounts filled with cash, not knowing which they will draw from. I asked our loan broker, XXXX XXXX, to look into it and he has had no success either. 
Calling in takes a long time to ge through to a human, I have done this XXXX times, each time they say it will be taken care of. The last XXXX, XXXX, said there was a record of my letter and fax. They have been 100 % non-responsive and are not allowing me to process my payments as my household moneys permit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
I took out a loan with Ace cash express for {$2500.00} and agreed to pay biweekly payments of {$270.00}. I made enough payments to have paid off the {$2500.00} but of course with the interest in was being charged I was barely paying towards the principal. I felt into a financial issues and could n't afford to pay the biweekly payments set at {$270.00} and so I contacted them to set up arrangements to continue to pay them. I asked them to stop and or discontinue any automatic payments from my bank account and yet they continued to go into my account despite my request. When I called them can supervisor XXXX stated that the representative failed to document such request but that anyways I had an obligation either them and they could and had the right to go into my account to get the money. This upset me tremendously because I felt as if my rights as a consumer were being disrespect just because I felt into a hardship and could n't pay. Please help xoxo they call me 5 times a day and I am XXXX and they have continously continue to harass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
After a Discharged Chapter XXXX Bankruptcy I sent a certified letter to Covington Credit, XXXX XXXX and received a call from XXXX XXXX XXXX with Southern Management Corp, XXXX XXXX a parent company of them. My letter was about fixing my XXXX credit line from Covington Credit after I discharged a Chapter XXXX Bankruptcy with that account. He informed me in XXXX 2014 it would be fixed. After XXXX XXXX credit disputes over 12 months the information was changed to a Charge Off, with month to month reporting, and Major Dispute entry after bankruptcy protection was established. This information is all incorrect or should not be reporting. I have dispute answers from them through XXXX, I recorded my conversation with XXXX XXXX in XXXX 2014, and have copies of letter sent with return signature receipt.

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 2016-01-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Continental Services Group, Inc. d/b/a ConServe
State: MS

Complaint narrative:
I received a letter from Conserve a collection agency that informed me that they were collecting on an account transferred to them for collection from XXXX College. I had already spoken to the school on numerous occasions and they agreed they would not send the account to collection that we had already negotiated with the school in which they advised me that if I paid on it they would not put it into collection as of today without any notification from XXXX College they sent the account to a collection agency. They have been changing people for the position and a new person is now in charge the new person advised they spoke to the old representative and would not send the account to collection. I called and they said they would inform the new person that the account would not go into collection. It was agreed that they would work with me and let me pay my account but I never received any letter nor notification that they were going to send this account to the collection dept no call nor even an email nor a letter in the mail to advise that this account was going in collection for the past few months i have never received any notification from this school and now i have been forwarded to a collection after they verbally agreed to work with me have been receiving payment for this account and have been changing staff where no one is aware of the verbal agreement for some reason. Over the past couple of months i have never received a letter nor statement from the school regarding this debt. I trusted the staff and hoped they had my best interest at heart for i sincerely have been trying to pay this debt as agreed even though i am not making lots of money i never tried to skip out on my obligation to pay the school and sincerely thought they would keep their agreement and work with me during this difficult time of not having stable income but trying to pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NH

Complaint narrative:
To whom it may concern : I have a complaint against Rushmore Loan Management Services. I tried to modify our mortgage with them and they refused and started bankruptcy proceedings. In order to stop the foreclosure I had to file for bankruptcy on XXXX XXXX, XXXX. Rushmore filed a proof of claim with inflated charges and through my bankruptcy attorney I objected to their inflated charges. We reach an agreement XX/XX/XXXX and it was court ordered for them to adjust the charges that they had originally filed. A second RESPA letter was sent to them XX/XX/XXXX requesting that they follow the court order and fix the charges that were on my mortgage statement. Rushmore responded to that letter and did not correct the mortgage statement as they said they would in their letter. Rushmore continues to charge bogus charges to my mortgage statement every month see attached statement the charges are listed under property preservation, corporate advances, and attorney fees. 

I would like to file a claim against Rushmore Loan Management Services for incorrect charges on my mortgage. I have attached files to support my complaint. 

Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
In a moment of desperation I came across Ace Cash Express online and applied for an installment loan. i was happy to be approved as my credit is not great. i then realized what kind of interest and penalties this company was charging and i was appalled! I then qualified for a consolidation loan with my local credit union. XXXX XXXX XXXX XXXX XXXX. I had other loans to consolidate and when i approached these other institutions for a 10 day payoff they were compliant and helpful. When i attempted to receive my XXXX payoff from Ace Cash Express they were extremely difficult to work with. instead of an official statement with payoff and accounting they would only send me very vague hand written emails. this was unacceptable to my credit union and has delayed my ability to pay them off. and everyday the loan is accruing interest. i need all the loans paid off in XXXX shot with this consolidation loan, and Ace is stonewalling me from getting the proper documents. i called over a dozen times, spoke to numerous supervisors, and emailed them at the headquarters. i was still never able to receive a statement of accounting or an official 10 day payoff. i began to research this company and found tons of information about extortion and fraud they committed. Multiple fines from the California XXXX, and there is even a {$10.00} XXXX settlement with your Bureau of Consumer Financial Protection

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MD

Complaint narrative:
ACE Cash is saying I owe them money for a loan I do n't remember getting, and wo n't give me any paper work and date this happen.They are saying they will file a judgement with the court on XXXX XXXX. What should I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: J&L Collection Services
State: CA

Complaint narrative:
I reached out to XXXX agency debt consolidator to resolve my debt with J & L Teamworks who is a debt collector. When i sighed we agreed I would only pay {$2100.00} and pay {$150.00} a month to settle my debt and fix my credit. XXXX agency only had business with me for a short while, then transfer me over to another Consolidation company closer to me in California. I ask if my agreement of {$2100.00} would still be in place and my payments of {$150.00} per month would still apply and they said yes. After about XXXX years my balance went down to {$680.00} and I requested a payout. XXXX XXXX said it should not be a problem and reached out J & L Teamworks to settle. I waited awhile on the phone and when they returned they said that J & L Teamworks wanted {$7700.00} to settle and wanted to add XXXX other accounts to my balance. I said no. XXXX XXXX wanted me to sign a new contract to add the new balance and the XXXX other accounts, i said no. They said would I like to terminate my services till I have the funds to pay off the settlement and i said no I want to pay off the original agreement and they refuse to and hung up. When i got a statement the next month they add {$7700.00} to the balance and added the XXXX other accounts. I felt my first amendment right were violated. XXXX then sent me an email stating that i have been paying on the account I never agreed to and sending me false statements every month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Faxed a XXXX request for mortgage assistance package to the Home Retention Assistance department at Rushmore Loan Management Services on XXXX/XXXX/2016. Called today for a status check on XXXX/XXXX/2016, and the representative said they would not review the RMA because the sale date is XXXX/XXXX/2016. I 'm not a lawyer, but in review home retention state law they are required to stop the foreclosure and review the RMA.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
On XX/XX/XXXX I paid off in full, including late fees, a residential mortgage held by M & T Bank and was given a receipt for the payment. M & T however did not record the payment until XX/XX/2017 and notified credit companies that the mortgage was more than 30 days delinquent. My credit scored dropped by approximately XXXX points and credit card companies reduced my available credit to almost XXXX. I have discussed the mistake with 5 different representatives of M & T. Depending on the rep I spoke with I was told a ) there was nothing they could do about it ; b ) I had to contact the credit agencies ; c ) It was my problem, not MTBs ; d ) I should contact the Branch Mgr where the payment was made ; e ) MTB did not maintain records of when receipts were issued for payments made ; f ) ( myl last call ) I should send them a copy of the receipt by fax. Since I do not have a fax, I delivered the receipt for the pay off to the branch manager who said that while he could not do anything, he would see that it was faxed to the department I was given, called Mortgage Customer Support. This was on XX/XX/XXXX. I waited ten days and called the Mortgage Service Dept and was told the fax was never sent. I then called the Branch Mgr who said it had been but he would do it again. This occurred XX/XX/XXXX, more than two months after I made the initial call.

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 2016-08-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax keeps verifying a bankruptcy but the courts are advisnig me they are not giving Equifax any information so I want to know how it is being verified and I simply do not want them to open another dispute to say it is verified again! 
I am super disturbed that only Equifax continues to list the dismissed bankruptcies as confirmed within my credit file. Although it is their policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. 
Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. 
Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you Equifax must delete this information from my credit report and send me an updated copy when this action is completed. Considering that this does not require an investigation, In advance I would appreciate your their within 14 calendar days from receipt of this correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: First National Collection Bureau, Inc.
State: NV

Complaint narrative:
A collection agency FIRST NATIONAL COLLECTION BUREAU in XXXX Nevada is trying to collect a sum of {$2400.00}. 
Received a mailing from them last summer stating I owed a debt which they were hired to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
XXXX XXXX accused my father of being senile and not remembering walking into a loan company and taking out a loan. They threatened to take him to court and spoke to me abusively and disconnected the call. When I explained this was a mistake and not to accuse my father of something he did not do, the representative said my father was guilty until he can prove he did n't take out the loan. I was also accused of crying, which I was n't. The representative spoke over me, made threats and hung up. My father is XXXX years old, but not senile. However speaking to a person with such tactics would very likely cause harm to my father 's health.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: IA

Complaint narrative:
I keep trying emails from ACE XXXX INC threatening me for a past due loan which I have no knowledge of. They alleged case file is # XXXX and the email is XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Other financial service — Debt settlement
Issue: Excessive fees — 
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: IL

Complaint narrative:
I signed up with the XXXX law Group in XX/XX/XXXX 2012. I was promised that they would have me debt free in 42 months. Although they did settle a bunch of my accounts, they did not settle everything, and I was forced to open a Global Client Solutions account and allow them to make monthly withdrawals. When I looked at my balances, it was obvious that I was paying way more in fees to GCS and XXXX than to my creditors. I paid in a total of {$25000.00} and about {$12000.00} was retained by GCS XXXX as fees. I think this is illegal. When I complained to GCS about the fees they insisted that XXXX was taking the fees, not them. I am not getting a straight answer out of anyone. They were supposed to only take 15 % of the money they saved me, but they took almost 50 % of the monies I paid in. 

I am unable to upload my supporting documentation but if you will email me a direct email address I will forward the correspondence to you. They made all kinds of bogus claims that I added new accounts, etc., which I never did. Also GCS is denying any responsibility for the fees charged and pitched me back XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: DISCOVER BANK
State: GA

Complaint narrative:
When I looked up my credit report I seen XXXX installment loans. I 've never taken out any loans. Also I 've sent in a complaint to you recently and just seen you we 're trying to contact me. I 'm very sorry and promise to keep very close attention to your reply. I take this very seriously, and I do n't want you to think I do n't value your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: OH

Complaint narrative:
In XXXX XXXX a California merchant, a XXXX, auto-renewed a subscription I purchased in XXXX without providing a working mechanism by which I could opt out of the auto-renewal. The only mechanism on their online site required me to cancel the current ( XXXX ) subscription before its full term, forfeiting any unused portion. Since I paid for a full subscription, I refused to accept this requirement. Instead, I purposely withheld my Discover Card 's ( DC ) expiration date from the merchant, expecting a credit card transaction lacking a valid expiration date would be rejected by DC. Instead, DC approved the charge without up-to-date account information. 
I disputed the charge via a written claim sent under the Fair Credit Billing Act -- XXXX pages long, with online screen images of the merchant 's site, the merchant 's posted policies, excerpts from the XXXX Auto-Renew Law and Restore Online Shoppers ' Confidence Act of XXXX ( ROSCA. ) I documented the merchant 's missing opt-out mechanism, invalid initial purchase terms ( customers wanting to opt-out of auto-renew could never receive a subscription matching the term they paid for ), and my refusal to take delivery of the auto-renewal ( I cancelled it immediately ). I also showed that the renewal price was twice the original subscription rate, even though the merchant posted terms saying renewal pricing could change ). DC completely ignored everything I submitted to them. They said my claim was " incomplete and/or ambiguous ''. And they ruled in favor of the merchant, overlooking its fraudulent practices -- delivering shorter subscriptions than advertised DC, meaning that customers could not possibly give the " express informed consent '' required by ROSCA. And the merchant 's violation of California law by failing to provide " clear and conspicuous '' and " working '' opt-out mechanisms. DC did no independent investigation of this matter as their corporate Internet prohibited access to the merchant 's website. And they were completely disinterested in ROSCA and the California Auto-Renew Law. Their only investigative act was reading the merchant 's statement and finding it completely valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-20 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: DISCOVER BANK
State: LA

Complaint narrative:
I was the victim of ID theft and a family member opened a fraud account in my name. I have tried to dispute this account with Discover card but they keep saying it is valid and it belongs to me. Of course it would look like its mine cause my Identity was stolen!!!

Company response to consumer: Closed with explanation