vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: NJ

Complaint narrative:
I was in a chapter XXXX in XX/XX/XXXX and dischaged after XXXX years ; my car was part of this bankruptcy. Since its been discharged, my car was hit by a drnk driver. The insurance company deemed it was a total loss. I have not received my pink slip since this was discharged. The insurance company has been holding on to a {$5000.00} check for my cars damages because I do n't have the pink slip to release to them. I tried getting a replacement pink slip from the DMV, but they say there 's a lein on the car. I was advised to contact XXXX ( dept of banking and insurance thru NJ ) to find out the information from the original creditor ( AmeriCredit ). According to XXXX, the company is still active, but no contact information available, meaning no phone number, but bonded until XX/XX/XXXX. I 'm not sure what the gentleman meant by that, but I need serious help, please. He also specify to file some kind ofclaim n court to get the company to remkve the lein, but I 'm clueless as to what 's going on. How does a company loose a title to a car?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I leased a Nissan in XXXX and traded it in XXXX XXXX, 2 months before when my lease had ended. The dealership paid off the lease in full on XXXX XXXX, XXXX. On XXXX XXXX, XXXX a woman contacted my nephew and wanted my phone number and said that I needed to fill out paper work from Nissan. I contacted the woman immediately and informed her that I traded car in XXXX and car lease was paid in full. She said that I have n't paid payments on the car and she will let her supervisor now that I no longer had car and she will call me back. I checked my credit report in XXXX XXXX and discovered that the company had my credit lowered stating that I was 3 months behind on payments. I contacted the car company and I was informed that the car is missing and I am liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 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:
This is in regards to my Santander XXXX checking account. This account gives a {$10.00} bonus 2 times each month for a total of {$20.00} dollars. XXXX bonus ( {$10.00} ) is for having a direct deposit of at least {$1500.00} each month and the other bonus ( {$10.00} ) is for making a total of XXXX bill payments from the Santander website per month. 

I did not receive my bill pay bonus ( {$10.00} ) for XXXX separate months. Those months were XXXX of XXXX and XXXX of XXXX. 

During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$530.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$610.00} bill payment to XXXX Credit Card ( XXXX Card ) During XXXX I made the following XXXX bill payments : XXXX. XXXX XXXX, XXXX - {$480.00} bill payment to XXXX XXXX Credit Card ( XXXX Card ) XXXX. XXXX XXXX, XXXX - {$14.00} bill payment to XXXX XXXX Credit Card ( XXXX XXXX Card ) I called Santander on XXXX XXXX. During this call a representative helped me open a case which was escalated and would be resolved in a week. I received a call on XXXX XXXX from Santander bank informing me my request had been denied and that I did not make XXXX bill payments from my account. I do not agree with this and the records on my account show that I did indeed make the required XXXX bill payments. I was not able to further escalate the case over the phone. 

I would like Santander to fix this issue and follow through with giving me the XXXX bonuses for {$10.00} each ( {$20.00} total ) as the account terms indicate.

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 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
My account with GM has a XXXX balance and is paid off as of XXXX. Due to the was its being reported it is hurting my credit score greatly. It was opened in XXXX and was offered a settlement to pay the vehicle off in XXXX and accepted it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TN

Complaint narrative:
I took out a loan from Ace cash express around XXXX of XXXX. I received a phone call around XXXX of XXXX stating that they will take legal action if I did n't pay so I set up a payment arrangement asap for XXXX . On that Friday that I set the payment arrangement to come out I received another phone call from another collection agencies stating that I was paying the wrong people and got called a liar and stupid and they hung up in my face. I called ace cash to see who had my case which they told me that the collection agency that called me a liar was the right agency to pay. so I was freaking out because I gave my account information to the wrong people I called them back to cancel the payment arrangement but they insisted that I was paying the right people. they had all my information where I lived my job and my social security number so at this point I did n't pay anyone and I do n't know what to do because im XXXX and scared. they told me that they will get everything straighten out and give me a call but I never received one

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: General Motors Financial Company, Inc.
State: MT

Complaint narrative:
I called on XX/XX/2016 at XXXX. Montana time, XXXX eastern time. 
XXXX Operator ID # XXXX was argumentive, refused to send a copy of the alleged judgement or garnishment. ID # XXXX implied that I have no rights to compel them to send any legal documents verifying that they have a valid judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: TX

Complaint narrative:
I had auto loan with GM Financial whom picked up the car from the storage without contacting me because the adjuster left the car at the storage. From the time they picked up the car, their reinstatement department never answer their calls, I left tons of voice messages trying to resolve the problem but they never returned ANY of my calls. next they sent me a letter of repossession asking me to pay for the cost of getting the car from the storage but long before that, I was able to get another adjuster who placed a 3-way call and accepted responsibility and stated that my insurance will pay the loan company all their expenses. After sending the repair check and estimate to my loan company, I was able to speak to a lady who gave me 2 options either GM Financial repairs my car or I can pick a body shop of my choice to repair the car. I told her that GM Financial should do the repair. 2-3 weeks later, they sent me a letter requesting the information of my body shop. I fax and sent them certified mail requesting explanations and made them aware that I personally do not see any genuinity with the way they are doing business with me. Next I know they sent me a bill for {$8.00}, XXXX stating that they have auctioned the 2008 XXXX. Till date no calls or mails was returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 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: TX

Complaint narrative:
I got a letter through U.S. mail from First National Collection Bureau , Inc ( 1st letter i 've rec 'd ) stating i have a {$11000.00} debt. They are offering a XXXX % discount on that debt if i make XXXX payments of {$180.00} w/each payment within 30 days of the previous payment. They threaten that unless i notify them within 30 days of receiving the letter that i dispute the validity of the debt then they will " assume '' the debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CO

Complaint narrative:
If I had XXXX word to describe the experience so far, it would be 'horrible. ' While poor customer service is unpleasant, it is not criminal and it is not the reason I am writing you. XXXX XXXX sold our mortgage to Rushmore with the payments to Rushmore starting XXXX XXXX. We received the letter that this was happening on XXXX XXXX. I tried to go online to Rushmore 's website to pay the balance, which was {$97.00} higher than our old payment for some reason, but the website kept erroring out. I then called all the numbers on the document that was sent to us. Each number took me into the same prerecorded loop, which once I got to the payment section would n't tell me how much was due and just wanted my routing and account numbers. I have n't thrown my banking info around willy nilly before, and I am not going to throw it into some poorly automated voice system with exactly XXXX detail as to how much it was going to charge me now. It is a huge frustration to not be able to pay a bill because the company receiving payment has made it nearly impossible to pay them. Finally, I got a hold of someone at the local number for the company, which I found hunting around on the internet ( this number was not listed on the documents they sent us ), and they confirmed that the payment had made it through on the website even though I was never able to make it to the end of the payment pages because of the site crashing. I 'm just thankful it did n't charge me repeatedly for each time it appeared not to work. When I asked why my payment was {$97.00} higher, they had no idea. I, after having read the many reviews on this company, found that the company often creates fraudulent negative net escrow balances. I checked my loan, and there it was, a {$180.00} negative net escrow balance. I have never had a negative net escrow balance on a mortgage until it was sold to Rushmore - and I mean NEVER. Seeing as it is a common problem for loans transferred to Rushmore, there must be something going on there. I 'm asking for your help, not just for myself, but for all the other people being abused by this company. The government allowing companies like this to exist detracts from the trust we all have that you are looking out for your fellow countrymen. Thank you for taking the time to help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Guidiville Indian Rancheria
State: VA

Complaint narrative:
My husband and I have been receiving threats of criminal prosecution for a debt that my husband and I had with a company called XXXX back in XXXX of 2015, that we paid on for 5-6 months, but they were taking more than we thought they were supposed to, and we tried to negotiate with them, but they would n't and we had to close the account, because even after we asked them to stop automatic debiting, they refused. We only borrowed {$250.00}, and were paying well over {$100.00} per month. We included the loan as part of the bankruptcy for both my husband and I. I have discharged out of my Chapter XXXX, but my husband is still in his Chapter XXXX. We have been getting harassment calls from debt collectors for at least three months, soon after we went into bankruptcy. 
Today we were told that we committed fraud and that we would be prosecuted for fraud. that they were coming to our home to serve us a summons. We were also told that bankruptcy does n't have any bearing on this debt. We paid so much on the loan compared to how much we borrowed, and they are still saying we will be prosecuted unless we pay over {$700.00} more to them. 
The callers talk very fast, but refused to answer questions about the name of the company they work for. They have been very rude, and threatening. We think they said XXXX, btu do n't know what that stands for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RFNA, LP
State: TN

Complaint narrative:
I have an account on collection who belong to my ex-husband and now I am getting phone calls from collection agency who ask me to paid a debt that does n't belong to me and treated me on the phone. I want this calls to be send to the correct borrower my ex and not me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 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: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
I recieved a letter requesting payment on a debt that may have been my former wife 's. We we divorced on XXXX XXXX 2007 and her debts were discharged in bankruptcy in 2007. I have never had an account that they are claiming. And if I do not respond to them then they are claiming I am accepting a debt I never had to begin with.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
I owe Conserve XXXX, from XXXX XXXX XXXX. I offered XXXX is the most that I can afford and asked them at least submit the request to XXXX, however they laughed and disregarded me. I work XXXX and it is illegal to not submit a consumers application to a lender in the even that they ask. I do not know what laws apply to protect me but I fell like they could at the least submit my request. I offered the, which is the only money I have. I am currently supporting my father who just lost his home and I feel really disrespected.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST GUARANTY MORTGAGE CORP
State: FL

Complaint narrative:
I suspect they produced a forged note

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Re : Case # XXXX Since my last contact with you, the servicer for my mortgage loan has changed to Rushmore Loan Management Services. My loan number with them is XXXX. They refused to accept the modification package from the prior servicer, XXXX. They demanded that I resubmit on their forms. I did this. I made sure these forms were complete to the nth degree. 
Now they have sent me a modification offer which does n't modify anything. First, they want all delinquent payments plus late fees and charges. Then, they want me to resume making payments at the original agreed upon amount and rate of interest. 
This type of ludicrous offer certainly does n't help a XXXX XXXX XXXX senior citizen stay in his home. 
What assistance are you able to give? 
Sincerely, XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I have tried contacting Navient on XXXX occasions, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX in order to discuss my loan repayment options and make a well-informed decision for my repayment plan. 

On XX/XX/XXXX, the woman I spoke with informed me that my first payment was due on XX/XX/XXXX and that I could not pick a repayment plan until XX/XX/XXXX. She instructed me to call back at the beginning of the year XX/XX/XXXX to discuss my options. I, mistakenly, did not obtain the Navient employee 's name or identification number ; however, this call occurred at XXXX and lasted for XXXX minutes. 

On XX/XX/XXXX, at XXXX, I had an eight-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my initial call. During this XX/XX/XXXX phone call, I was told that my payments would be {$500.00} per month and that my first payment was not due until XX/XX/XXXX. I inquired about options to lower these payments, as that is a substantial amount of my income. XXXX informed me that I could not discuss repayment options at that time and should call back in XX/XX/XXXX. He stated it was possible to do " interest only '' payments for " up to XXXX months, '' but that I could not initiate this option, or learn of other options, until XX/XX/XXXX. 

On XX/XX/XXXX, at XXXX, I had a seven-minute phone call with Navient employee XXXX ( ID # XXXX ). I called to discuss my repayment options, as recommended during my second call. During this XX/XX/XXXX call, I was told that my repayments are " estimated '' at {$510.00} per month and that my first payment was due XXXX XXXX, XXXX. I inquired about my options to lower my payments and was told that the " system wo n't allow '' XXXX to see my repayment options and that I should call back between XX/XX/XXXX and XX/XX/XXXX to discuss repayment options. I expressed my concern that if I call at that point, I will be told further vague information or told that my payments are due and I should have called sooner. I asked what I should do if I am told that there are no options, to which she replied I would be referred to another department to discuss options ; again, a vague response. 

I am, appropriately so, concerned about the status of my loan repayments. I have tried calling on XXXX occasions and have been told different 'facts ' and 'instructions, ' but ultimately, have not been helped. I am trying to be proactive and have gotten nowhere. 

There is also contradictory information on my online account. For example, on XX/XX/XXXX, my account page stated that I was in a grace period for the next XXXX days and that my first payment was due on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: First National Collection Bureau, Inc.
State: SC

Complaint narrative:
First National Collection Bureau, IncXXXX XXXX XXXX, Nevada XXXX-XXXXSettlement Offer 50 % in XXXX paymentsDirectTV settlement of {$320.00} in XXXX payments over 2 months starting on XXXX/XXXX/2015 ( 28 days ) for XXXX payments of {$160.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc.
State: MD

Complaint narrative:
Dear Consumer Financial Protection Bureau Representative ( s ), I have received a federal direct subsidized student loan while attending XXXX XXXX XXXX, Maryland. Now I transferred to XXXX Maryland XXXX XXXX XXXX to earn my XXXX 

However, Nelnet Student Loan Servicer, my student loan servicer has already started accruing of an interest while I am still at school. Although I have contacted them several times to remove the accrued interest in my account, they refused to do so because they claim that since I already XXXX from XXXX XXXX XXXX with XXXX, I am responsible for the interest accrued since my XXXX date ( XXXX XXXX, 2016 ). I have repeatedly said that I am still at school ( XXXX status ) pursuing my XXXX XXXX XXXX at XXXX Maryland, XXXX XXXX. In addition, they also claim that non-school days such as break times, winters and summers are considered as " out of school status '' where the interest starts accruing which is NOT true. In addition to my previous knowledge, the information I found, about Direct Subsidized Student Loan, on the Federal Student Aid 's website ( on the Q & A section ) says : " Question : Do I become responsible for paying the interest that accrues on my Direct Subsidized Loans because I graduated from my prior program prior to or upon meeting the XXXX percent limit, and enroll in an XXXX program that is the same length or shorter than my prior program? Answer : NO '' I am contacting you because I am in a big frustration -- I keep receiving the same response from the subordinates and supervisors at Nelnet. I believe there should be a fraudulent activity in this " loan servicer '', and I suspect that other students might have also been impacted by these related illegal activities. 

I kindly request you to launch broader and deep investigation about all the activities that Nelnet has been doing because I feel that I am being defrauded. 

Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: First National Collection Bureau, Inc.
State: ME

Complaint narrative:
Have been receiving numerous calls from XXXX XXXX XXXX XXXX XXXX, Maine. When I pick up the receiver no one answers and there is no recording, just silence. This goes on day after day. Finally yesterday, XXXX/XXXX/2015 after receiving another call I called the number back. Woman who answered said she was from a Collection Agency, did not give a name of the organization and that she was looking for a woman, XXXX ( XXXX name ) which I can not remember. I informed her that my wife and I live here and there is no XXXX living here. Calls from this number are nearly everyday, often twice a day. The least they can do is answer the phone when they call my home. I hope you can rectify this nuisance for me. I have no debts other than monthly bills and have never dealt with a debt collector. 
Thank you.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation