vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
The number that called is XXXX XXXX XXXX. They told me that I owed ace cash express and wanted me to settle my debts I said yes because I wanted to get it over with. They processed payment two weeks after our agreed date and did it twice. Now I am trying to call the number they called me and it goes directly goes to voicemail. I have tried looking for this XXXX but no luck so far.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 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: TX

Complaint narrative:
I get from 5-15 calls within XXXX-XXXX calls back to back to back. Have stated I work from XXXX-XXXX and XXXX-XXXX. Have stated to bill me, and I am told no they will keep calling until I pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 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: Meridian Financial Services, Inc.
State: MO

Complaint narrative:
My wife bought a time share at XXXX XXXX in XXXX, VA. The property became run down under the original management company and an XXXX XXXX was formed to take over management responsibilities. In XXXX the XXXX XXXX XXXX did an inventory of the property and determined that time share owners would have to provide over {$1000.00} in a XXXX to renovate the property to a minimum standard, On Auguest XXXX, XXXX my wife and I paid this XXXX with an elecronic check drawn on my wife 's account at her XXXX XXXX. The amount that we paid was discounted because we paid early and in full. On XXXX XXXX, XXXX, three mongths after making the XXXX payment in full and clearing the Deed of the time share of all encumbrances, my wife deeded the time share to me through a Deed of Gift. 

Several months ago in XXXX I began receiving telephone calls and letters from XXXX XXXX XXXX XXXX XXXX in XXXX, NC demanding {$1100.00} for an alleged debt to XXXX XXXX XXXX XXXX. After several attempts to discover the nature of this alleged debt, I understood that the XXXX XXXX claimed that I had n't paid the XXXX. I tried phoning the XXXX XXXX over a dozen times to find out if they had mis-applied my payment as they had done in the past or if there were some other clerical error. They never answered their phone. I left voice mail messages identifying myself and asking that they phone me back. They never returned any of my calls even though I am a member of the XXXX. XXXX refused to answer questions about the validity of the debt and just asked if I was going to pay by check or credit card. 

After sever harrassing phone calls, I managed to have XXXX agree to stop calling until I provided a copy of the cancelled check. After several atteempts to provide a copy of the front and back of the cancelled check and XXXX claiming that they never received it, I mailed a copy of the check to them and considered the matter closed. 

A few weeks later I received another letter from XXXX demanding payment in full of the {$1100.00}, I was perplexed to say the least. 

After several more harrassing phone calls, I discovered that the XXXX XXXX XXXX XXXX was attempting to collect TWICE for the same debt : once from my wife, which was paid in XXXX XXXX, and once from me, claiming that these were separate accounts for the same timeshare. This is tantamount to fraud : they are attempting to collect the same debt twice even though it had been paid in full. If this practice is legal, someone should make it illegal ; it is certainly immoral.

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 2015-12-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MORTGAGE CLEARING CORPORATION
State: IL

Complaint narrative:
My wife and I have a Mortgage with Mortgage Clearing Corp. Our current issue is XX/XX/XXXX, we called them to see if there were any programs that had that would be available to use due to financial hardship. Our mortgage at the time was {$1800.00} ; this was extremely high for us. This amount was about XXXX % of our net income, which is against the law, according to the law ; rental payments should not exceed XXXX % of your net income. 
At that time I spoke with a XXXX and then the XXXX of the company. And we were told to start paying {$1200.00} monthly ; this would be a loan modification. That was great for us. We never received any formal documentation regarding the modification, but we continued paying the {$1200.00} as we were told by Mortgage Clearing Corp. 
We then filed a Chapter XXXX Bankruptcy due to financial hardship. Now, we receive word that our Mortgage will be {$2500.00} starting in XX/XX/XXXX. 
We were also told by our Bankruptcy Attorney that we are behind on our Mortgage due to only paying the Principal and Interest, and that the taxes were not included in our payment. Due to a lack of funds available for Property Taxes. We did make all scheduled payments for our Bankruptcy Plan and we thought we could move forward to financial stability. 
Now, because we were paying the wrong Mortgage amount and subsequently are behind on our mortgage, our Bankruptcy can not be discharged. 
We have been paying {$1200.00} since XX/XX/XXXX and have never received any type of correspondence from Mortgage Clearing stating we were behind on our Payments. Had we received anything we would have made the correct payments. 
We simply can not afford to pay $ XXXX monthly at this time. I am a XXXX XXXX XXXX and my wife is currently receiving Unemployment Benefits due to her being laid off from her job. 
We are just looking to be treated fairly and the Business Practices of Mortgage Clearing Corp are unethical and borderline illegal. 
We are hoping that someone can assist us with dealing with Mortgage Clearing Corp in a professional manner, and receiving a more manageable mortgage payment. 
Respectfully,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
Ace Cash Express said they would have government put a hold on my SSN

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 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: Meridian Financial Services, Inc.
State: VA

Complaint narrative:
Debt was paid in full. 

Collection agency violated section 15 U.S.C. 1692 of FDPAAsloduring discussion with agency they failed to provide accurate information despite my attempt to secure sameThey reported an inaccurate debt to credit bureau

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I tried to put my loans into the income driven repayment plan before my payment XX/XX/XXXX. They never got back to me about approving it or me not getting approved for it. Instead they totally and completely ignored my request and kept billing me. I 'm up to about {$600.00} now for 2months payments and they keep harassing me through my email. I have n't heard anything from anyone except Your loans are past due and your account requires action. I 'm fed up with these people! It 's going to make me go into default and then be in bigger trouble or force me to go into forbearance which I do n't want to do!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
USBank provided me a construction loan. 

1. they failed to provide online banking for review of statements or making payments. I was told in the enrollment process that online banking was available. I had to rely on paper statements. 
2. USBank continually failed to provide me timely paper statements. I dutifully looked at my bills each day/month but often I did not receive a paper mortgage statement from USBank. I was forced to call/email each month to arrange for a manual emailed statement from the construction loan mortgage group. 
3. I was informed via email by XXXX XXXX XXXX, the construction loan supervisor, that my loan would begin full P & I mortgage repayment from interest only effective as of XXXX XXXX, 2017. This would increase my monthly payment amount from $ XXXX to nearly $ XXXX. My assumption was that the first $ XXXX payment would be due in XXXX 2017. 
4. I received a monthly statement on XXXX/XXXX/17 that indicated I owed $ XXXX which I paid immediately. 
5. On XXXX/XXXX/17, I received a collections call from USBank indicated I owed the balance of the $ XXXX ( approx {$6800.00} ) and would be in arrears if not paid by XXXX/XXXX/17. 
6. I called customer service and was put on hold for 10min. When I talked to an agent I was informed that I was required to pay the balance immediately -- which I did via phone ACH. 
7. I inquired from a customer agent ( employee # XXXX ) why I was sent a statement on XXXX/XXXX/17 showing $ XXXX was due. He had no answer. I also inquired why it was explained to me that full P & I amortization would begin on XXXX XXXX. If the full amortization payment was due on XXXX XXXX, then the amortization began on XXXX XXXX -- not XXXX XXXX. Once again, he replied that he had no explanation. 
8. This is highly misleading and stressful conduct by XXXX XXXX XXXX XXXX and the customer service personnel. 
9. Further, USBank has forced me to convert my construction loan to a fully amortizing loan despite having a $ XXXX balance available on my construction loan. This $ XXXX is placed in escrow- for which I do not have access. In doing so, USBank is forcing me to pay interest on the $ XXXX balance despite not needing the funds.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
I had multiple types of loans upon graduation in XX/XX/1996. The loans were originally consolidated with XXXX XXXX into XXXX larger loan instead of a bunch of smaller loans. During a few years, there were deferments when I was out of work, etc, but once everything switched to navient, I cant check on my statements, etc. I did get in touch with them once about not being able to manage a XXXX a month student loan. They looked into it, and wa la! My payments went UP to XXXX a month. It 's killing us to make this payment every month, but navient is NOT willing to help in any way to figure out a better alternative, except for forbearance, which as we all know greatly increases the amount of money you owe. They are impossible to get in tougch with, and when you do, they are unwilling to help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: SD

Complaint narrative:
Your submission, [ Case number : XXXX ] Postcards with my name were left XXXX in my Daughter 's entry to her apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fredericksburg Credit Bureau, Inc (Closed)
State: TN

Complaint narrative:
These were file with XXXX ins.of XXXX Minnesotathey are reporting on our credit file XX/XX/2012.They refuse to remove them from our credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
An offer was submitted in late XX/XX/XXXX for {$280.00}, the Building and safety conducted an inspection and found multiple substandard issues with the property and issued a substandard lien. The cost to remove the substandard lien was Estimated by a Licensed XXXX and factored into a revised purchase offer addenda for {$250000.00}. after a complete submission the lender countered back with the same amount of {$280000.00}. after more research it was discovered that the last XXXX conducted was on XX/XX/2016 for an amount of {$260000.00} This seems to be going nowhere and they are not very good at returning either phone calls or emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: NE

Complaint narrative:
A hold was placed on my savings account so I was unable to transfer money into it. I called the customer service number and was told I have to contact a banker in Colorado to receive any kind of information regarding why I was unable to access my money. The next day I found the same hold on my checking account as well, and was told the hold on my savings account had been in place since XX/XX/2015. This is absolutely untrue as I 've processed transactions using this savings account frequently over the past year. I now have no access to my money. I have tried calling the number provided to me and no one answers the phone. I am attempting to open a new checking account at a new bank because of the service I 've received at my current bank. However, to verify my current account the new bank needs to submit two 'trial deposits ' into that account. The new institution is unable to process these transactions due to these holds, the nature of which no one seems to have any information on. Now this is preventing me from being able to open a new bank account. I can not access my money for reasons that have yet to be explained to me, and I can not move my money to a new institution because my current institution froze my accounts and did n't feel it necessary to inform me.

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 2016-06-02 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
Purchased trip insurance from XXXX XXXX. The site allows you to enter your home country so it is clear that it is a worldwide organization, but I purchased the policy in US dollars and the policy is a US policy, " XXXX '' underwritten by XXXX, a US company. My credit card company US Bank charged me a foreign transaction fee for a US dollar transaction because the parent company is located in XXXX, XXXX. If I 'd know that I would be charged this fee, I would have used a different card that charges no foreign transaction fees, rather than earning miles on my usual credit card. Online reports say this is happening more and more often, with airlines that book you on overseas partners with US dollar transactions, or airline resellers like XXXX. I called the insurance company ; they say it 's not their problem because they ca n't tell people they are a foreign company since some of their customers reside in XXXX, their home country.

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 monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I received two fake emails from XXXX at XXXX pm on XX/XX/2017. The emails contained my personal email address with a large deposit approved notification that was n't mine. I contacted USBANK and spoke to four different employees that were unwilling to log the potential IT problem into supervisory systems. My concern was that they are either USBANK internally is unintentionally sharing customer information or that their customer email addresses were stolen. I asked to have all my accounts frozen and then have the item reported. I was then hung up on by the representative. I did get some action from one representative who asked me to forward the emails to XXXX, but I had to talk to five representatives to get this to occur. I still was unsuccessful in getting my account frozen. I believe there may have been a PII breach and the bank 's response is unacceptable.

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 2015-07-17 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
jp morgan chase currently still refusing to reach suitable terms on fraudulent mortgage secured by a HELOC intrest only XXXX line of credit we have remained 60 and 90 late for years nowthe bank should be investigated for fraud as well as truth inlending practices, violation of the national mortgage settlementwith each violation is now subject to fines in excess of $ XXXX for each violation and any pattern of violations subjectto XXXX in penalties we are now listing XXXX violations all finesare to be inforced within 60 days of this complaint from thesettlement monitor.Please update us as to the status of thiscomplaint for our attorneys recordsThank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank/XXXX changed the benefits on the card ( free night on award redemptions of two nights or more ), despite charging me a {$65.00} annual fee.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
US Bank is telling me a charge to my acct. was n't an unauthorized transactions because I used the acct. before to pay these people Which is true but I did n't authorized them to take out a payment form US Bank on XX/XX/2016 and they refuse to accept the dispute and keeps adding more fee 's to my acct. I have complained about this now for over XXXX days for this unauthorized charge from XXXX for {$91.00} on XX/XX/2016. I sent in proof showing this was paid on the XXXX from my other bank as I planned to do If I would have saw this {$91.00} had posted before I transferred {$1500.00} I never would have put that money into the acct. and I refuse to put the balance due for the {$1800.00} after the {$1500.00} dep. that would have been eating up by this {$91.00} charge because I was n't going to pay this unauthorized charge now they are saying my acct. will be closed by the XXXX for these outrages charges and not doing their job to respect that the charge was " UNAUTHORIZED '' I have been charged ( {$190.00} ) in FEE 'S after charge of {$91.00} I Did Authorized charge for {$1800.00} ONLY! nothing else! ... I was n't going to pay all these fees just would eat that money up and Keep Doing What It Is Doing NOW! Overdraft, Extended Fee 's etc ... If I would have saw this I would n't have put that {$1500.00} into bank I REFUSED TO PUT ANY MORE MONEY IN MY ACCOUNT UNTIL THIS IS CLEARED UP AS YOU SEE ITS BEEN XXXX DAYS & STILL NOTHING HAS BEEN DONE US BANK BUT TO PUT MORE & MORE FEE 'S THEN TO CLOSE MY ACCOUNT WITH ALMOST {$200.00} IN JUST FEE 'S EMPLOYEES ARE N'T DOING THEIR JOB TO BUSY TELLING ME WHAT THEY THINK IT SHOULD BE OR WHAT HAPPEN! I 'm making complaints to BBB, FEDERAL RESERVE, cfpb, TOP CLASS ACTION LAWSUIT INVESTIGATION - Into 'Extended Overdraft Fee ' or 'Continuous Overdraft Fee ' Overdrawn Balance Charge,

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 monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
To Whom It May Concern : In early XXXX of 2015 my wife and I applied for a loan modification from US Bank. After approximately four XXXX months of receiving poor communication, poor service, having to send things multiple times ( some my fault ), not being able to leave voice mails and more, I received a denial. The denial letter stated that US Bank presumably tried multiple options however the reason for denial was the same for all " We previously requested income documentation from you to reconcile income discrepancies found during the review. The requested documentation has yet to be received. '' ( see attached correspondence ). This is a bold face lie. At this point I do n't why I was denied. In any case, I completed an application which was thoroughly completed and included pay stubs. We they asked for more info I gave it to them. Additionally I was assigned XXXX different relationship managers XXXX XXXX and XXXX XXXX both of whom I communicated with many times. 
In the spirit of brevity I am refuting the denial on the basis of XXXX simple facts 1 ) I have always been on time with every payment and therefore a good and loyal client and 2 ) US Bank had already granted me a previous modification for which I am grateful. If they did it once they can do it again. I did not ask for an adjustment to current market rates/terms. All I wanted was to get the same rate/adjustment I had before with the previous modification which is a rate that is still well above current market rates. The current rate I have now is ridiculously above current market rates. In fact it 's downright oppressive. I am not asking for anything unreasonable. I am simply trying to improve my financial situation and I have recently had a drop in my income. I believe US Bank is choosing to do is take advantage of my situation where I have no other options to refinance. If this how there treat loyal clients I 'd to see how treat those you do n't pay. 
Please review my situation and please choose to help me and my family. Again I am only asking for what was clearly available before. 

I will thank you in advance for your help and consideration.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation