vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-28 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: FL

Complaint narrative:
I did not receive a payday loan from anyone! I keep getting emails from ACE stating they are going to contact my place of employment and sue me ... ..I never applied or received a pay day loan!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Received a call from XXXX three times in a row. when I answered guy said he was with the city clerks office and that I was being sued. Told me to contact XXXX. So I did and a guy answered hello ... I asked if this was an attorneys office he said let me transfer you to litigation. Lady then tried to get me to pay an outrageous amount over the phone to settle out of court and said it was an ACE cash express loan. They tried to extort over {$1000.00} more than the debt is. When I called the XXXX number back it went to the city of XXXX but nobody knew anything about a call being placed from it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Palm Beach Credit Adjustors, Inc
State: FL

Complaint narrative:
call me to my job

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc.
State: OR

Complaint narrative:
To whom it may concern, This concerns Dyck O'Neal collection agency. 
In XXXX of 2015 I was told by phone that I was past due on an account. 
I had become late on monthly payments of {$77.00} to the XXXX XXXX Mortgage XXXX. My past due amount was appx {$2400.00} according to Dyck O'Neal in XXXX of 2015. 
On XXXX XXXX I made a {$250.00} payment online. 
The XXXX statement reflected that payment and stated I owed {$2400.00} ( past due ) plus {$230.00} in late fees for a total of {$2600.00}. 
On XXXX XXXX, 2015 I called Dyck O'Neal to make a payment to be current. I was told on the phone that to become current I had to make a payment of {$1700.00}. I asked several times if this was correct and I was told several times this would bring me current. I made the payment over the phone for {$1700.00}. 
The XXXX statement reflected this payment but nothing was applied to late fees. The amount owed was shown as {$690.00} plus {$240.00} in late fees for a total of {$940.00}. 
( {$77.00} was added to each statement as that was what the monthly payment is suppose to be. ) On XXXX XXXX I phoned Dyck O'Neal and asked how much did I owe to become current. The woman stated {$950.00}. I again asked several times, " will this bring me current ''. Several times she said " yes ''. I made the payment for {$950.00}. 
The XXXX statement came and it shows that only {$21.00} has been applied to late fees. It states I owe {$77.00} plus {$230.00} in late fees for a total of {$310.00}. 
Since the XXXX statement which showed that I owed {$2600.00} ( I do not dispute this amount ) I have paid Dyck O'Neal {$2700.00}. They are still asking that I pay {$230.00} late fees. XXXX they have told me on the phone that I am " current ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I tried to file a dispute with Equifax for an account that I paid off in full and would like to have it removed from my credit report. I have made the same report to the other XXXX credit bureaus to have the same account removed from my credit report and they have removed it with no problem. I tried to get a confirmation number to file a dispute but they they told they could n't give me one because there is nothing in the system. But I told them that is why I calling to file a dispute so I can get a number, and they also told me that the account I am trying to dispute will remain on my credit report for seven years despite that it is paid-off and closed. They did not even bother to do an investigation to see if my claims were true. I feel that this is one of the many reason why people can not rebuild their credit, these agencies need to be governed to make sure that people are being treated fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: MI

Complaint narrative:
Iowa Student Loans ( now Aspire Servicing ) is harassing myself, my family, & friends even though I am up to date on my payments. They are currently calling anyone I have ever put as a reference in a very creepy manner, refusing to say why they are calling. This is scary to my loved ones as I am currently going though a custody battle & they have been worried for my son & I 's safety. I am personally receiving calls up to XXXX times per day on my phone while I am at work. I had to block their phone number as the constant calls was disrupting my life. I do not see the need for constant calls when I am up to date on payments!!!!!!!!!! Now they are calling from other numbers. When I answer they refuse to say what company is calling. For my safety I can not play these games, as it could potentially be my ex up to no good again. Again, this is irrational & harassing as I am up to date on payments. When I call their XXXX number to get to the bottom of this, when I finally get a human on the phone they are confused as to why they are even calling. Yesterday I was told " we would never call you like this unless you were behind on payments. '' Once I pointed out that I am not behind on payments the man on the phone was very confused & put me on hold. I warned him that I already had a patient in the waiting room & asked for a supervisor 's phone number so I could call back later to attempt to resolve this issue in a timely manner. He refused to give me a number to call back ... This constant & unnecessary harassment is causing me unnecessary stress & causing my XXXX to worsen. Please help me resolve this issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Wilson, Riley & Associates
State: MD

Complaint narrative:
I have been filing complaints since 2011!!!! 

Violation of Fair Debt Collection practices. Claiming to be an attorney office, no website or contact information provided. Yelling, screaming, and calling names. Refusing to communicate via writing as requested. Contacting family members and friends trying to collect a FALSE debt. Threatening police will come to serve papers. This company is a fraud. They have violated ALL of the following Fair Debt Collection Practices listed below : Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not : use threats of violence or harm ; use obscene or profane language ; or repeatedly use the phone to annoy someone. 

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not : falsely claim that they are attorneys or government representatives ; falsely claim that you have committed a crime ; falsely represent that they operate or work for a credit reporting company ; misrepresent the amount you owe ; indicate that papers they send you are legal forms if they are n't ; or indicate that papers they send to you are n't legal forms if they are. 

Debt collectors also are prohibited from saying that : you will be arrested if you do n't pay your debt ; they 'll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so ; or legal action will be taken against you, if doing so would be illegal or if they do n't intend to take the action. 

Debt collectors may not : send you anything that looks like an official document from a court or government agency if it is n't ; or use a false company name.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 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:
When I applied for the loan the account that I used was closed prior to receiving money. My account was hacked while paying bills online. I gave them a copy of the account to show I never received the money. I pulled my XXXX report and seen this was on my reported information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: OK

Complaint narrative:
The debt was purchased and sold by multiple debt collection companies. I called the original creditor whom I owed the debt to originally and they gave me a number. They no longer hold the debt. I called and the number gave me a number because they no longer had the debt. I called 3 different numbers.This company recently aquired the debt. I have intentions to pay the debt but this is the first time I 've learned who I owe the debt to since the original loan was made. I received no calls or mail regarding the debt from 2014 until now. In 2 years I assumed it was discharged or written off by now. No it 's not on my credit report either. Anyway I verified who I was when they called and I asked for them to mail me a copy. That was 2 weeks ago. I got a call today demanding payment. I said without that paper I was n't paying and giving out payment over the phone. They emailed the copy. I said no good. I want it postmarked. I do n't want to be victim of scam or fraud. They call me multiple times demanding money and threatened court and jail. After I got off the phone a fake person called and pretended to be an investigator demanding I pay in 24hrs before law arrest me at home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST GUARANTY MORTGAGE CORP
State: CA

Complaint narrative:
Refinanced my home loan with goodmortgage.com ( owned by XXXX ) and closed on XX/XX/2016. XXXX XXXX I received a letter from XXXX XXXX XXXX XXXX saying they are my new loan servicing company and to start paying them my first payment by XX/XX/2016. On XX/XX/XXXX I received a letter from XXXX XXXX saying they are the new mortgage servicer for my loan and I owe them my first payment on XX/XX/XXXX. 

As of XX/XX/XXXX both my online accounts for XXXX XXXX and XXXX show I owe a payment on XX/XX/XXXX Since XX/XX/XXXX I have been communicating with goodmortgage.com and XXXX XXXX but no one can give me any kind of information or update as to when one of these accounts will actually close. Goodmortgage.com says I should send my first payment to XXXX and do n't know why XXXX still shows I have a balance and payment due. I tried to get each company to escalate this issue internally and resolve this but they wont do anything. Please help get this resolved quickly.

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 2016-07-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
In XXXX, I took out a mortgage loan with XXXX XXXX Bank. The payments increased dramatically short after, making it impossible for me to keep making mortgage payments. In XXXX, I defaulted on the loan but I was notified that a different lender had my mortgage loan, XXXX XXXX XXXX. A foreclosure action started in XXXX by XXXX XXXX XXXX. The case in the court went for years but the bank was unable to foreclose on my property. During the legal process the loan was transferred to a company called, XXXX, and lastely it ended in a company called Rushmore Loan Management Services. I am not sure which company I owe money too. The legal action was discontinue but collection attempts do not stop and the banks, before Rushmore, did not review my loan for a considerable loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Fredericksburg Credit Bureau, Inc (Closed)
State: VA

Complaint narrative:
I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from mycredit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CT

Complaint narrative:
After my three year lease with Nissan Motor Acceptance Corporation ended, I received an invoice for {$4200.00}. I promptly responded and paid {$660.00}, the amount I was certain was due to Nissan. With respect to the other items in the original invoice, I sent Nissan a letter dated XXXX/XXXX/XXXX disputing certain items, asking for verification that certain expenses had been paid and asked for verification of the basis of certain charges. 
The next invoice I received a letter from Nissan credited my payment but did not respond to any of the issues raises in my letter. I then sent another copy of the letter, and had the post office provide me with a tracking source that the letter had been delivered. On XXXX XXXX, XXXX I received another letter from Nissan reminding me that the balance of {$3500.00} was due, and staring that if I did not pay the amount due, my account may be referred to collections and the credit reporting agencies. 
Nissan has an XXXX number to call, and I tried it twice, finally hanging up in frustration after being on hold over 12 minutes. 
The majority of the amount Nissan claims is due is likely valid, e.g., the amount Nissan claimed paid to the XXXX for an annual car tax. I am only asking for verification that Nissan paid the bill from the city .A majority of the amount in question can be resolved by Nissan providing me with the backup requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: High Point Asset Inc
State: FL

Complaint narrative:
Repeated calls to my mobile number stating that I am a person of interest and they need to locate me to take a statement. Prior tactics included telling me that I would be served at home and at work by a certain date and time by a processor. Accusations of fraudulent checks for a debt I can not even verity I owe because prior discussion with company resulted in their representative refusing to give me information on the debt, becoming verbally abusive and then hanging up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Wright & Lerch Attorneys At Law
State: IN

Complaint narrative:
I received letters from Wright Lerch & Litow ( Indiana ) in XXXX and XXXX stating that I owe a debt in the amount of {$3900.00}. I disputed the debt in XXXX and XXXX. XXXX XXXX, Wright Lerch & Litow filed suit in Indiana Small Claims Court. XXXX XXXX, there was a hearing I denied the debt. I asked for Discovery and found out that XXXX and XXXX ( Not Located in Indiana ) are actually suing me. AT NO TIME did Wright Lerch & Litow make it known that they are representing XXXX. One of the documents from Wright Lerch & Litow, states the client is XXXX XXXX XXXX and the Original Creditor is XXXX Bank. Another document from XXXX XXXX of XXXX Bank dated XXXX XXXX, XXXX states " findings were forward to Attorney XXXX XXXX XXXX. Never XXXX has any of XXXX Bank 's documents listed XXXX XXXX XXXX XXXX as the attorney. I requested " terms and agreement, '' contract between Wright Lerch & Litow and XXXX Bank, contract between Wright Lerch & Litow and XXXX XXXX XXXX and between XXXX Bank and XXXX XXXX XXXX. I have not received any documents giving Wright Lerch & Litow or XXXX XXXX XXXX the legal right to sue me. There is no contract, terms and agreement, no credit card statements for XXXX, XXXX and XXXX they ca n't provide me with any proof of transactions XXXX, XXXX, and XXXX. Wright Lerch & Litow FAILED to name all necessary party and misrepresentation. I do not know who the real lawyer is and feel it is illegal practice.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CA

Complaint narrative:
Loan was fullfilled and paid off XX/XX/2016 with Nissan Motor Acceptance Corp., confirmation letter received from Nissan that this loan was satisfied in full and they would be issuing a release of lien to the XXXX. However this still has no taken place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: RI

Complaint narrative:
i sent gm financial a certified letter on XXXX/XXXX/16 in which they received on XXXX/XXXX/16 tracking number XXXX they have failed to respond to my request

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: HANCOCK WHITNEY BANK
State: LA

Complaint narrative:
Someone called at XXXX saying there was a problem with her debit card.called from a wireless phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
We have never been past due on a payment, Nissan Infiniti has an inaccurate remark appearing on my credit file. I have disputed with nothing being corrected

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: NC

Complaint narrative:
While trying to settle my father 's loan obligation with a reverse mortgage company through the sale of the property, loan servicing company repeated delayed providing a payoff statement. I have been provided erroneous information since the first day I requested information on the process. I fully believe this company is delaying payoff to benefit from foreclosure. The property is under contract and was to close XX/XX/2017 and as of this date XX/XX/2017 a payoff statement has not been provided ; my original request was send XX/XX/2017 at XXXX via fax and email. If I do not receive this payoff today the buyers attorney will be forced to return funds to their lender thus the sale of this property will not go through. While I have requested to speak to a supervisor, I have been forwarded to a voicemail ; I have emailed the supervisor and have received no response. I am being treated unfairly and my attorney is now involved. This lender will have caused me to lose the sale on this property and they will proceed with foreclosure activities.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Lionstone Holdings Group
State: TX

Complaint narrative:
They called twice to serve me with legal papers unless i contacted them. They want more than what the loan was for and if it was n't paid they would take " action against me ''. 
The deadline came and went nothing happens.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Santander Bank held a XXXX yr CD XXXX # XXXX XXXX for $ XXXX which was due to mature on XXXX XXXX, 2016. It was initially taken out with Sovereign Bank but had been taken over by Santander several years ago. 
I phoned and then sent a registered letter asking that the money not be reinvested but returned to me along with all interest at maturity. Evidence : Copy of registered letter requesting closure along with signed receipt. Told by a junior staff member ( XXXX XXXX ) that the letter was entered into my account on XXXX XXXX. 
In the event, they went ahead and reinvested it and would not reply to me even thought I sent other registered letters. This time asking formy money and the interest that was due to me. 

After nearly two months, they sent me the initial sum but did not pay the interest that should have accumulated. I have all these letters and consistently, by phone, nobody will take responsibility for the lack of response to my instructions over all that time. Indeed, now that they have finally paid the core sum, they claim they can not gain access to answer any questions about the account! Their top supervisor XXXX '' in Rhode Island even declined to talk or listen to me because " She can not authenticate me '' because they no longer had details of my account available.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Lionstone Holdings Group
State: NV

Complaint narrative:
Called to say they were serving papers and to get out of being served I needed to call XXXX. Checked and there is no case against me.

Company response to consumer: Closed with explanation