vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Law Offices of Palmer, Reifler & Associates, P.A.
State: MN

Complaint narrative:
I had rented XXXX books from XXXX in the XXXX semester of 2015. I returned BOTH book rentals as I do every time I 've rented books through my undergrad. On XXXX XXXX I received XXXX letters from a law office in Florida saying this was an attempt to collect both debts. CLAIM NUMBERS XXXX and XXXX. I have now filed a complaint and debt validation request with them and the XXXX. I will also be filing a complaint with the Attorney General. This is illegal. There are more than XXXX complaints of this where they say they 've never received the return books. They are praying on college students. I want both books removed from my account and the debt to be removed. The order number was XXXX. I have tried to settle this with the company explaining that I have mailed them back and customer service was not helpful. This company has a history of saying they have no received the rentals and sending directly to collections. I have perfect credit and have never had a bill outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: CA

Complaint narrative:
Our mother had a reverse mortgage with Reverse Mortgage Solutions. My brother and I were told we had 6 months to sell and repay. If we showed good faith an additional 6 months would be given to us. We followed the rules, kept in touch sent in required docs etc. Our mother passed away XXXX, On XXXX we received notifications from the mortgage company that a Default for Foreclosure was recorded with XXXX XXXX. We have sold the house XXXX and it is currently in escrow ( pending ). We feel the Default was not necessary and it should be never have been recorded! We are hoping they do not try anything before the escrow closes! Can you help us? Can XXXX help us? We are also asking our XXXX XXXX for help also!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
In XXXX of XXXX I started getting phone calls from a collection agency. 
They said I had a delinquent load account with someone in the amount of $ XXXXXXXX.They did n't know with who but it happened sometime in XXXX. I told them I did know what they were talking about. They said if I paid them half right then with a credit that I would n't have to pay the whole amount. I hung up. I thought it was a scam. 
I kept getting phone calls from different phone numbers until XXXX or XXXX of XXXX. I XXXX the phone numbers and saw complaints from other people. 
I just received a letter from first National Collection Bureau , Inc . 
They advised me that my delinquent account with XXXX/ now XXXX XXXX XXXX XXXX XXXX has been assigned to them and that if I paid half it would be taken care of. I have never heard of either of these business. I had a credit check run in XXXX of XXXX and neither of companies showed up. Nothing came up with a delinquency. 
This is why I got in touch with you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
My payment was due on XXXX and I attempted to login just a few days late to make a payment. But I was restricted from accessing the online portal. I was only 8 days past my due date. The only option was to make a payment by phone with a {$7.00} pay by phone fee. I refused to pay the fee when I was only 8 days past the due date. Today I received an email from GM Financial that said that my account is 25 days past due and to login to My Account to make a payment or for payment options. I clicked on the link in the email that they sent to me today and attempted to login. I received the same message at login that my account has been restrict from online access and to call. Again they want to charge me a phone fee to make my payment. If they would not have restricted my online profile or not charged a phone fee I would have already made this payment weeks ago. I feel that GM Financial is intentionally making hard on it customers that want to make payments on accounts that were less than 30 days past due. i have never been in a situation where a bank or lender intentionally makes it impossible to convientently makes payments on my accounts. 

Thank you for investigating this complaint with GM Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have XXXX loans with Navient. XXXX loan, I can monitor myself online, have autopay set up and maintain. I am the student, graduated in XXXX. The second loan, I have a cosigner. A relative whom does not want to be cosigner. Around XXXX I filed for bankruptcy and was removed of liability of loan with cosigner. However, I still make the payments on this loan. After filing bankruptcy, Navient did not allow access of any information of the loan to me. They said cosigner needs to give ok. The relative lives in another state, making it so difficult for me to monitor my account. Not being able to take advantage of auto pay, denying me access to interest I paid for tax purposes. When asked to remove my cosigner, they made the transferring of ownership too difficult. I have loans with XXXX and XXXX success and maintaining loans with Navient has been the worst experience for both myself and my cosigner. I have to request my relative to check my balance and inform me an I never get to check if there 's an error since I 'm denied any information. I should be able to remove my cosigner and have access to my account like all other loans since I am the one making the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: TX

Complaint narrative:
In XX/XX/XXXX Rushmore Loan Management of XXXX, Ca. purchased my FHA/HUD loan from XXXX XXXX XXXX. I was in active Bankruptcy Chapter XXXX at time of their purchase. I received notice from them they had bought the note. I began at that point paying mortgage payments to Rushmore beginning in XX/XX/XXXX as they requested. Little did I homeowner know, Rushmore lending intent was to show all payments made tothem under a " Property Preservation '' account which puts homeowner payments towards their regular mortgage in limbo, and creates an account summary favorable to foreclosurefor their purposes of acquisition and sale without current homeowner being made aware of this " Predatory Lending tactic ''. My home has no court order allowing XXXX XXXX XXXX any Foreclosure status in their sale of note to Rushmore Loan Management. Now all payments made to them by me are in a default status of mortgage loan payments I have been making since XX/XX/XXXX. This deceptive Predatory lending tactic should be exposed within the Mortgage lending community as a whole, and considered illegal business practice. Rushmore has no right to change my FHA/HUD home mortgage purchase toa Property Preservation account without court ordered foreclosure, property was never foreclosed on by Texas courts allowing such actions by Rushmore Loan Management.

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: FL

Complaint narrative:
Rushmore Loan Management Services purchased my mortgage from XXXX XXXX, which typically should not impact me as a consumer, other than changing where and to whom I should send my money. However, that was not the case. Rushmore failed to acquire all the proper documentations from XXXX which would show that the property is insured, so they added a lender-placed insurance to my account resulting to an increased escrow, which increased my monthly payment from {$600.00} to {$1000.00}. I called Rushmore to advise them that I already have insurance through the homeowners association, provided them with name and phone number and advised Rushmore that I would send the regular payment of {$600.00} for XXXX 2015, which I did. Now Rushmore has labeled my account as delinquent for the difference. I 'm seeking protection as a consumer who should not be impacted by lenders practice of bouncing/selling mortgages to other lenders. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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:
I was contacted this morning by someone named XXXX XXXX at a company he called XXXX XXXX XXXX. I was told to call another number, XXXX. A women from that number told me that they had a case in my name which originated with Ace Cash Express but said although Ace had already written off the debt, there is a third party lender that is pressing charges and that the States Attorney Office had already signed off on the case. I contacted the States Attorney and was informed that they had no such information or case under my name and info and she also said that this type of situation has happened before and that this is a scam. She also informed me that they could n't put me in jail for a debt but that they could sue me. Since this debt is over 6 years old and I have moved at least XXXX4 times since then, also phone numbers have changed, I 'm confused as to how they obtained my current information. This scares me, not because of an old unpaid debt, but rather how my info can be so easily obtained. I also do not appreciate being told that if I do n't respond within an hour, they will come and arrest me even asking if I have any large animals. All phone numbers involved this morning were, XXXX, XXXX, XXXX. I 've done a reverse lookup on all phone numbers with no results for any of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
On XXXX, 2016, XXXX Mortgage Company sold my home mortgage to a company named Seterus , Inc . I was not send a " Goodbye Letter '' from XXXX notifying me of the sale, and to date, despite numerous requests to XXXX by phone, have never received XXXX. So then did not handle the sale in the manner they are required to do ; they never notified me. 

This complaint concerns a " mortgage company '' called Seterus , Inc . 

I learned my mortgage had been sold when I called XXXX to make my monthly payment and they told me they could not take payment ; the loan had been sold. They did not know who they had sold it to and told me all information would appear in the " Goodbye Letter '' that has never come, 4 full months later. 

I finally was able to learn through other sources that the loan had been sold to a company called Seterus, Inc and called them, spoke to them, asked for my loan number and made my payment. I was told to expect a " Welcome package '' which did not come until I 'd asked many, many times. It contained almost no information. 

Here 's the problem : Since my first payment to Seterus in XXXX, I have always paid on time. That would, to date, be XXXX, XXXX, XXXX, XXXX, XXXX ... 
All payments have been made on time. 
However, Seterus did not show up on my XXXX credit reporting bureaus ( XXXX ) until I wrote and complained. 

They have added the account now to XXXX, but it is incorrect. It only shows a payment in XXXX only. As far as I can tell, the other credit report bureaus are not reporting at all. 

I have written to Seterus several times asking that they follow the law and report accurately to all XXXX of the credit bureaus on a MONTHLY BASIS. I even sent XXXX of the letters certified mail, so I can prove it was sent and received. 

None of the letters have resulted in compliance and Seterus 's lack of reporting is HURTING my credit score a GREAT DEAL. They must report accurately and monthly. 

Please assist me in getting Seterus to comply and report my payments in a timely and accurate fashion, as is required by law. These payments must date back to when they bought the loan, which is XXXX of 2015. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
With the help of a XXXX certified housing counseling agency, I submitted a complete loan modification application to the servicer of my mortgage, Rushmore Loan Management Services. Eventually, the servicer provided a letter dated XXXX XXXX, 2016 acknowledging that my application package is complete ( attached here ). But then I received a letter saying that the servicing of my loan will be transferred from Rushmore Loan Management Services LLC to a different company effective XXXX XXXX, 2016. 

I do not think this is right. Rushmore 's first letter acknowledging my application says they will have a decision within 30 days. So they should decide about my loan modification before transferring the servicing. It would not be right for me to have to start all over with the process. Rushmore already created unnecessary delays that have caused me to get further behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: First National Collection Bureau, Inc.
State: TX

Complaint narrative:
Received letter from First National Collection Bureau Inc I sent letter as i do not owe them anything. They claim to have purchase third party debt from XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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 was paying ontime and monthly on a installment loan from ace cash express times got hard and I was laid off and my bank account was closed. I was not able to make payment for a few months. I am finally working again and want to make payments on my plan but collectors are telling me that I will be summoned for a court day and will have to now pay even more money. I asked them if I can start paying monthly and they said no I have to come up with XXXX within One Hour or I would be summoned to court and then will have to pay even more due to all the fees. I went on ace cash express and It says I only pay XXXX I asked the lady if I came up with that amount can I just pay it off and she also said not. Its too late and I owe XXXX. 
Please help is there anything I can do here.. im willing to start up on payments I started working a little over 3 weeks ago. 


I dont have any information they have stopped mailing me letters almost 4 months ago and I dont have the phone that they would be calling The only reason I know about this is because they came to my work to summons me but i was gone due too a drs appointment. They spoke to my boss about what was going on and gave him a number for me too call

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Title loan
Issue: Charged bank acct wrong day or amt — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: AZ

Complaint narrative:
There is a breach of contract under the stipulation of late payment marked X on page XXXX. I contacted the corporate headquarter in XXXX and I was told that the automated system had set up my account to draft from my XXXX XXXX account on the XXXX of XXXX. 

I believe I was n't given the allotted 10 day time frame to be able tyo catch up on my missed payment. Please mediate for me as I do n't know how to go about this situation. 

Thanks and here are the paperwork needed for my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MA

Complaint narrative:
Due to XXXX and combined low income, we are selling our home of XXXX yrs. The " title search '' provoked a demand for payment from a XXXX lien with Specialized Loan Servicing , LLC, which we did not expect! In XXXX, due to medical issues and expenses, we refinanced through XXXX XXXX Mortgage Advisors who obtained for us XXXX mortgages, XXXX which would later be sold to SLS. XXXX, we filed a chapter XXXX which was discharged in XXXX but, did NOT include our XXXX ARM mortgages. Wrote to SLS and XXXX XXXX XXXX XXXX asking to modify our loans due to financial hardship. SLS complied and we made our payments on time until XXXX XXXX. 
At that time, I spoke to our XXXX XXXX XXXX, regarding tremendous fear of losing our home, as we were " under water '' $ XXXX!! We also had no choice but to use credit cards for treatment of the XXXX XXXX!!! THAT alone was costing OUT OF POCKET up to {$600.00} a month to stay alive, which medical insurance would not cover at the time!! XXXX recommended a person at XXXX XXXX in XXXX for prevention of foreclosure. That person told us to STOP PAYING XXXX mortgages at once. He said the small mortgage with SLS ( $ XXXX ) would likely get thrown in a " pool '' along with other small loans & be forgiven with all the " bail outs ''. He said it would cost more than the loan amount for them ( SLS ) to go after us, and we would likely not hear from them again, which we did not, until now. 
SIx years later, SLS is demanding $ XXXX inc/interest from the house sale, leaving us broke & virtually homeless! We were counting on using the profit from our home to relocate and find affordable housing, which we had in place. 
Last month, I called XXXX and spoke with a representative at length about our situation and asked if there was anything we could do? Perhaps negotiate the accrued {$10000.00} in accrued interest? She was rude, uncaring and refused to negotiate anything, stating there was nothing they could do for us. 
This is why we are reaching out to you for help! We do have buyers and if all goes through, we will have to be out of our home by mid to end of XXXX. Time is of the essence!! Thank you for your time!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Dyck-O'Neal, Inc.
State: IL

Complaint narrative:
I went to court to file for a deed in lieu of forclosure at the time of the closing a XXXX $ repay was due to be paid at the time of closing I was unable to close, and the issue was dismissed. Another closing was set and at that time NO REPAYMENT was part of the closing settlement. I had begun the repayment process and when I informed the DYKE-O`NEAL company of the mistake I requested a refund they promised to refund but they have yet to contact me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 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: CO

Complaint narrative:
I, my brother, and my daughter ( on my phone ) recieved threatening phone calls from a supposed law office representing ACE Cash Express, that if I did not pay that I would be charged with attempting to defraud a financial institution. The phone caller said specifically on each message that I would be charged with fraud. That is defamation of character and illegal collection practices. When I did call them to try to make arrangements, the man on the phone was disrespectful and again threatened me with a felony for not paying a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: HireRight Solutions, Inc.
State: IN

Complaint narrative:
Criminal record for XXXX in Texas is listed on my consumer report. This is for a male. I am a female and have never been to XXXX. I 'm not sure if this person hacked my information but I have seen this show up on my account for a male with all my information and I am a female from XXXX, XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I have a delinquent account with lan Financial Services ending in : XXXX with an outstanding balance of {$2700.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Metro Area Collection Service, Inc.
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX put me into collections by mistake 1 year after debt was paid in full. I was reassured that it would be removed from credit bureaus over 15 months ago. Ca n't refinance home due to their poor accounting.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP
State: MN

Complaint narrative:
I am requesting as a XXXX XXXX and Veteran of the XXXX XXXX XXXX, in the spirit of good faith, customer service and appreciation of my service to the country, that the outstanding balance be waived and forgiven and all collection efforts be ceased and not resumed on account ending in:XXXX.

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