vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: MN

Complaint narrative:
I noticed on all XXXX of my credit reports that there is a collection from ACE CASH that i have no knowledge of, have never dealt with them before, and believe its due to an identity theft. I want this collection removed and to not report again or i will be seeking further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Gitsit Solutions, LLC.
State: TX

Complaint narrative:
Kondaur Capital stated that they have paid for my home owners insurance as of XXXX/XXXX/2016 to my insurance company XXXX, account XXXX and policy number XXXX. If they have done so they need to contact my insurance company immediately and provide proof of payment. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Continental Services Group, Inc. d/b/a ConServe
State: CA

Complaint narrative:
I am not familiar with this company and do not understand why they are on my credit. These inquires effect my credit in a negative way. I would like them to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
I recieved a payday loan from ACE CASH EXPRESS and my repayment was taken from my account a week before it should have been causing me to go into the negative and pay fees. Now they are threatening to send me to collections. They would in previous loans email me a reminder that my payment was coming due and the date it would be taken out would be attached. Not this time!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Thaxton Investment Corporation
State: AL

Complaint narrative:
This woman from a finance loan company calls my phone 3 to 5 times EACH day. If anyone else answers my cell, she tells them my business, telling people I do n't work, threatening to show up at my home. This is clearly a case of harassment. She has actually showed up at my home. Yes, I do owe a debt, but I 'm 60 days late. I 'm going through bankruptcy, but she still continues to harass me and my family.

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 2015-06-18 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Guidiville Indian Rancheria
State: VA

Complaint narrative:
I was contacted by phone by a man who said he was calling from a law office, and that they were collecting on a loan that I owed to Multiloansource.com. He said I owed {$600.00} on the loan, and with late fees over time, I now owed {$1300.00}. But then he said that he would work with me, and that if I paid {$330.00}, within 24 hours, then that would settle it. 
I did have a loan from a few years ago, and I did have as dispute with the lender, because they took more debits than they were authorized for, and so I did not pay them anything else, but had paid back much of the loan. I am not certain if the loan was with multiloansource or not, and I could n't find documentation to support that they were the lender I used. I have also gotten a lot of other calls from other debt collectors who say I owe on a payday loan from online, and they all had things they said which made me think it was a scam. 
When I asked for information to be sent on the documentation of what was owed in writing, they said they could n't send me anything by regular mail, but that they could send something by email. They already had my email address, which I thought was strange. They also never identified themselves as to what company they were with until they sent the email which appeared to be sent from XXXX XXXX XXXX. The email was just a Word document saying that I owed the debt, but not any proof. I also recently learned that internet loans are void in my state, so I do n't know how they would freeze my assets, contact my employer and garnish my wages, as they said they would do. They said I had 24 hours to respond or they would take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: DE

Complaint narrative:
The servicer, Rushmore Loan Servicing is stating that the investor wants {$25000.00} down payment before they will modifiy the loan for a three month trial period. It was declined when we could n't come up with the payment we offered to spread out with the trial period payments. Initial down payment we could do was {$5000.00} that was declined. Then we offered {$15000.00} down payment to be spreadout in three month with the trial period payment. XXXX, who is the contact representative with Rushmore said she spoke to her supervisor's-supervisor and said that the investor said no that they need the entire {$25000.00}. My Home is currently in foreclosure and assigned to there Attorney. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
I was a victim of fraud due to information being received from a scammer utilizing XXXX. I have contacted ace cash express and have spoken to the correct company that has my loan. Unfortunately, I have attempted to gain contact to these individuals and filed a complaint with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I have been trying to work with AES since XX/XX/XXXX ( as soon as I found out this loan was in repayment ) to reduce my monthly loan payment in order for me to get caught up. At the time, I was in between jobs and moving back in with my mother to try and get ahead. I had explained this to AES several times and submitted all documentation for a deferment 4 different times between XX/XX/XXXX and XX/XX/XXXX. Every time I would submit required documentation they would say that their processing department was behind and that I should call back in a week to check the status. Then, when I would call back, the person on the phone would tell me too much time has passed and that I would need to submit a new deferment request. During this time, my late fees and balance were continuing to grow. Now, XX/XX/XXXX, I am still calling to try and make small payments to get caught up and they refuse to work with me. Every person I speak to on the phone is extremely rude and will not help me in resolving this matter at all. It has completely ruined my credit at this point, and I do not know what else to do.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-02 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 tried to close my checking acct with Santander in XXXX 2015. Unfortunately there was an ACH transaction that went thru a few weeks later from an acct I did n't realize was still active. Santander paid the request & charged a {$35.00} fee. I called the main XXXX # & was told that there was nothing they could do about the fact that even though the acct was " closed '' an item was presented so the fee was valid. I deposited the money for the transaction into that acct & spoke with the bank mgr about the fee which she agreed to waive. I asked why they could n't just fully close the acct & make sure no payments are made against it & was told, " that was not possible '' but to " watch '' the acct & usually after a few months of no activity the acct will " convert '' to a closed acct. Well it 's now 10 months later & unfortunately XXXX checks inadvertently written from an old checkbook that had those accounts checks still in it were presented for payment, Santander paid them & charged {$70.00} in fees. I deposited money to cover the checks & asked the manager to waive the fee. She said " they did n't do anything wrong & the fee is valid ''. While I realize the checks were written & presented I ca n't fathom why after all this time & a request to close the acct they are still paying items presented to them & thereby able to charge me a fee. If the acct had been closed as I requested multiple times & then Santander denied payment, especially after 10 months, I would understand. I would be responsible to the parties to make good on the checks & any returned check fee they were charged. That makes sense. But instead they wo n't close the acct & will continue to pay items presented. I have no way of knowing if this acct will actually ever be closed. It is 2015, I do n't understand why they can not put a check flag in some data field & close this acct. I resent having to pay them a fee because they ca n't make this simple thing happen. Do I have any recourse or am I resigned to paying the fees forever?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I had a checking account with Chase. I had had a bunch of unauthorized transactions against my checking account resulting in Chase charging me over {$200.00} in overdraft fees. I have part of my paycheck direct deposited in my account but when I went to check my account Thursday XX/XX/XXXX my checking account was not listed online. Tonight I called Chase and was informed that they closed my checking account and that the only way to get my money was to go to a branch and apply for a new checking account. Otherwise I would have to wait 2 weeks for them to send me a check in the mail. I never asked them to close my account they just closed it on me. No notification was ever sent to me that they were closing my account as if I had known this I would have changed my direct deposit. They charged me over {$200.00} dollars for overdraft protection. So now here I am stuck without my money while Chase holds my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: TX

Complaint narrative:
after i was trying to figure out why i got a second notice from a city slicking debt collecting. when i called i got some foreign guy answer the phone EASILY PULLED UP MY FILE ON HIS COMP and i asked him why did i already paid this company ( he said there was XXXX companies XXXX and XXXX XXXX i asked him how is XXXX charging me if i already wennt to jail thats extortion to the max. regardless of what paper i signed. then he said i owed a total of XXXX and that XXXX was charging me 300 and some dollars even thoe i already paid them and took care of them. also XXXX said they would give me a call to come in and talk after i already paid and figure out what we were going to do. that was XXXX 2014 and its now almost XXXX. I also had both the XXXX of my stores pat me on the back and say they are going to call me and we are going to get past this and get me back on the schedule. i told XXXX of those dms today and he acted like this was the XXXX time he heard of it. but back to the debt collector. he started raising his voice at me not letting me get a word in and wouldnt listen to the question i was asking. i asked him several times and he would dodge it. i asked why does it say walmart and he starts talking about XXXX. i asked about gamestop he avoided the question and talked about XXXX qibberish that had nothing to do with case. then when i keep asking questions he started getting loud and yelling at the top of his lungs to call tomorrow then hung up on me. i called again and i got this lovely women on the phone. she said her computers where down even thoe XXXX mins ago he has all my info and the account info pulled up and the all of a sudden their computers dont work? weird. then she randomly hung up on me. then i call back get a supervisor and he answered again, i asked for XXXX and he was like " IS THIS XXXX? STOP CALLING! '' Yelling at me. i said nope this isnt then he started listing off other people asking if i was them and then he just told me to leave him alone and that to call tomorrow to talk to his boss. if his boss hired him in not going to get much accomplished with a loser lawyer. the companies name is PALMER, REIFLER XXXX ASSOCIATES, P.A. By the way i hardly pay debt because most or scams and im not the idiot to buy debt. you have extra money so you just go give it away hoping people will pay you back hahahahahahahahahahahah what a joke

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: High Point Asset Inc
State: VA

Complaint narrative:
Repeatedly calling my federally issued XXXX number for a XXXX saying that its my final notice, this has been recorded, ect ect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I called in to speak with a supervisor about my payments. I advised that I was going to make a {$50.00} payment online as well as a {$330.00} payment because there were no extra fees. I also stated that I was on a break and did n't want to be late going back. The representative was very rude and told me that I was very late behind, and I needed to pay after work. I called back when I got off at XXXX and spoke to another supervisor, and was told to just go online and set up my payments. I assured her that I would do so and I did right after our phone call. On Monday, XX/XX/XXXX I checked my vystar balance and saw that my account was overdrafted. I immediately called my bank and was told that GM Financial tried to withdraw {$330.00} plus a {$10.00} processing fee. I was so angry but worried as well because this was never authorized. I immediately called Gm Financial and spoke to a representative named XXXX, who informed me she would do all she could to help. XXXX placed me on a very long call and asked why did n't I just tell my bank that the payment was unauthorized. I explained that I did and XXXX stated that she would need to place me on hold and never came back on the line. GM Financial is a very unprofessional company my bank has waived all my fees but now I have to pay for a stop payment and that is not fair. I always have to ask for a supervisor and the attitudes are unreal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have had an ongoing issue with Santander since the beginning of our 7 year relationship. However, the most recent being that I finally gave up on them and sold my home. I closed on XXXX. I asked for an " accounting '' of fees I was charged. This proved to be to much for Santander. I was told " oh we found {$400.00} we owe you and they sent me a check for that but that made me even more concerned about charges. I asked for a full accounting and was given the run around for several weeks. Finally someone got back to me and it was to tell me they do n't have to show me their attorney invoices because they are protected under attorney client ... .well if it was for work they supposedly did for my property I would think that would n't fall in that category. Also, why did it take months for someone to say that. They are HORRIBLE at customer service and could not prove all of the " fees '' that were taken from me. I am owed a refund.

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 2016-12-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: IN

Complaint narrative:
After paying the bill in full via their website and validating that it cleared my account the following day I received a phone call from them two weeks later on my cell phone stating they had no record of this activity. After giving them my acct and auth numbers, I pressed the agent and found out that it can take 30 day 's to process. The agent wanted me to send a copy of it clearing my bank account. Essentially they were making their problem my problem. The agent then asked me why I was berating them the day after XXXX. When I asked to speak with their supervisor, the agent said they were a supervisor. Very unprofessional and this upset me greatly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
Was offered an extension and was advised by a rep that it would be processed within 24-48 hours. Now speaking with a manager it has been several days since I was told that and now my extension still hasnt been processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
GM Financial is assessing a monthly {$86.00} fee for not making my payment within 11 days of its due date. However, it is not 30 days late. When I contacted XXXX, they insisted that in lieu of reporting my less than 30 days late account to the credit agency, they were going to assess a late fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY

Complaint narrative:
I am constantly harassed by Nissan Motor Finance Regarding my car payment which i missed but despite having a payment setup for the XX/XX/2016 i constantly received calls on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX demanding a payment right away and during this process i was forced to make two payments of XXXX on the XX/XX/XXXX and a second payment of XXXX setup for the XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CORNERSTONE MORTGAGE, INC.
State: MO

Complaint narrative:
I had hail damage to my roof to due a hail storm. I have been trying to get a check endorsed by the Cornerstone Mortgage for 2 week. They are forcing me to wait on an inspection and now that the inspection is complete they want me to wait another 5 business days to have the check endorsed and returned. The work has been completed and the contractor has been waiting on payment for almost 3 weeks. They refuse to escalate the issue and are frankly not worried about the timeliness of their customer 's payments to their contractors.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 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:
To CFPB, I 'm writing this letter to find out how I can get my money back from a business checking account with Santander in MA. My checking account was closed without reason on XXXX XXXX 2016 and without any notification thru mail, email or telephone prior to that closure. In addition, I tried to called Business Customer department XXXX, who are unable to provide any answers except that the account was closed and that I should visit a branch to find out more info. 

I did visit the Santander branch on XXXX XXXX XXXX in XXXX MA, where I spoke with the Branch Manager named XXXX XXXX. However, after he spent some time investigating what happened to my account, he was unable to provide an answer only except that he saw a note saying that the Santander Compliance Department had closed the account and that it was n't a case of fraud. Thus no official complaint was logged and he was unable to provide further assistance. His email is XXXXXXXXXXXX, XXXX, XXXX ID XXXX. 

Thus I am writing this complaint letter to CFPB as a request to look into why my accounts were closed without notice as required by state and federal law. Second, I request that Santander returned {$5300.00} from # XXXX and {$55.00} from # XXXX as soon as possible as I need those funds for my business. 

Thus, please provide a response to my above requests and provide a check for the amounts requested which was unjustly taken from my account. If the Compliance Department did not close my account, then I would like to register a case of fraud that my account was cleaned out not by me as I was n't at the branch on that day XXXX/XXXX/2016. I have attached a copy of the bank statements in question for your reference. 

Thank you, XXXX XXXX XXXX XXXXXXXXXXXX

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