vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
I had an installment loan from Ace Cash Express for under {$700.00} on which I made several payments. I was unable to continue paying the payments and the loan defaulted. Yesterday at my work I received a call from someone claiming to be from my county clerks office needing to serve me papers because I am being sued. They asked if I had my 7 day notice with me. I said I had no idea what they were talking about and she suggested I contact the attorneys office and gave me the number XXXX and told me to refer to docket # XXXX. I called and was given to " XXXX XXXX '' at extension XXXX who had this horribly scary story of me being taken to court and need to have the amount of over {$1800.00} paid immediately or the judge could garnissh wages or put me in jail because since the auto drafted payments from my account in the beginning, the ones that did n't go through were considered to be like a bad check. 

The lady had me in such a XXXX I gave her every dime I had to my name off my prepaid debit card. The amount I paid was {$620.00} which is more than the original amount of the loan. She said they were going to contact my county clerk to put in a stop order. She told me that they were going to take another {$620.00} out in two days, XXXX XXXX, and the remaining balance of XXXX would be taken out on XXXX XXXX. I was told that if any of these payments did n't go through I would go to jail. Yesterday afternoon after regaining my composure and looking at the company that debited my card the red flags went up. It was not taken by an attorney 's office, but rather by XXXX XXXX XXXX. I then contacted my county clerks office who had no idea whatsoever what I was talking about and that no such paperwork, docket or case existed. I then went online and researched the name and phone number only to find they have gotten in hot water all across the country for doing this type of thing. Why are they allowed to continue this practice. I have had to report my card stolen and get a new card so they can not continue to charge my account. Upon figuring this out I called this lady back who was never available to take my call, but eventually had the lady who answered ask me if I had the rest of the money ready for her to get off my card. I told her to give her the message that I had gone to the county clerks office and found out this was all a lie, not to dare try charging another penny to my cards and that I would begin taking action against her. No one has called back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I was called at work, and asked a representative of the company to remove my number because I can not be contacted at work and she just kept speaking over me and asking about payments, and refused to agree to remove the number.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: UT

Complaint narrative:
I received an email from a company called Ace Cash Group threatening legal action against me and requesting I pay them {$620.00}. The body of the email is below. I do not have any dealings with a company by this name and based on a web search I believe this is a fraudulent attempt to collect money. basically, it is a scam. 

CASE FILE # : XXXX Attorney : XXXX XXXX Number : ( XXXX ) XXXX DUE AMOUNT- {$620.00} Dear XXXX XXXX, This is to inform you, that you are going to be legally prosecuted in the Court House within a couple of days. Your S.S.N is put on hold by the US Federal Government, so before the case if filed we would like to notify you about this matter. 

It seems apparent that you have chosen to ignore all our efforts to contact you in order to resolve your case with the Bureau of Defaulters. At this point you have made your intentions clear and have left us no choice but to protect our interest in this matter. Now this means a few things for you, if you are under any state probation or payroll we need you to inform your manager/Concerned HR department about what you have done in the past and what would be the consequences once the case has been downloaded and executed in your name. 
Now, FTC is pressing charges against you regarding XXXX serious allegations : 1. Violation of federal banking regulation act XXXX ( C ) 2. Collateral check fraud 3. Theft by deception ( ACT XXXX A ) If we do not hear from you within 48 hours of the date on this letter, we will be compelled to seek legal representation from our company Attorney. We re-serve the right to commence litigation for intent to commit wire fraud under the pretence of refusing to repay a total outstanding amount committed to, by use of the internet. In addition we re-serve the right to seek recovery for the balance due, as well as legal fees and any court cost incurred. 
WE CARRY ALL THE RIGHTS RE-SERVED TO INFORM TO FBI, FTC YOUR EMPLOYER AND BANK ABOUT FRAUD. 
And once you are found guilty in the court house, then you have to breathe entire cost of this lawsuit which totals to {$13000.00}, excluding amount you borrow, attorney 's fee & the interest charges. You have the right to hire an attorney. If you do n't have or ca n't afford one then the court will appoint one for you. 

Attorney : XXXX XXXX ( XXXX ) XXXX Ace Cash Group Copyright ( C ) XXXX FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 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: MO

Complaint narrative:
I have took out a small {$300.00} loan with ACE Cash Express, and since then made four payments of {$43.00} ; {$170.00} totaling to date the account is still has a balance of {$270.00}. I have contacted ACE and they are or no help, very unprofessional people work there who can not explain why my balance only went down {$25.00} for all those payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RFNA, LP
State: GA

Complaint narrative:
I keep getting calls on my cell phone for someone named XXXX. I nor any member of my family is named XXXX. I nor any member of my family have ever done business with Republic Finance Company. I have repeatedly told them this and told them to stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: First National Collection Bureau, Inc.
State: AL

Complaint narrative:
This bill was disputed years ago.. All XXXX credit bureau removed this bill from my credit report. Because i do not owe this bill. Now i am getting threating letters again..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: AZ

Complaint narrative:
My mortgage note was sold by B of A, who I was working on a modification with coming out of bankruptcy, to Rushmore Loan Management. My mortgage servicer is dual tracking me I have sent in at least XXXX modification applications and numerous support documents. While under the guise of assisting me secure a modification of my loan they proceeded the entire time to push the foreclosure through as evidenced by filing dates on various documents. I need assistance because I want to keep my house. I fell behind because I am unable to work. I have secured a steady income stream and can afford modified payments now for at least two or more years. It has been more than thirty days since I was notified of my complete modification application and required documents being received and I still do not know the status of my request for assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
I had taken a loan out with Rushmore Financial. I fully wanted to pay it off within 4 weeks. I was in an accident and had a lumbar fusion. I was trying to contact them to hold off until after I return to work XX/XX/XXXX to pay off the loan. They will not work with me. 
I am not earning any money until I go back to work. I can pay off the loans XX/XX/XXXX. I borrowed {$500.00}. The payments are {$100.00} per week. The current loan balance now is {$1200.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: RFNA, LP
State: AR

Complaint narrative:
Hi, my name is XXXX XXXX : I am filing a complaint against Republic Finance of XXXX Louisiana : Today I contacted XXXX Credit Bureau Agency ; And the representative made me aware, that Republic Finance, was showing opened on my credit file, as of XXXX/XXXX/2016, I disputed it with credit bureau ; because It 's not my account ; Whenever I had previously disputed this company, they provided XXXX with information saying this was my account. My ex-husband told me numerous of months ago this account was closed : so I followed up and ask XXXX XXXX, the manager at XXXX. La XXXX, and he told me that the account had closed, and that he had reported this to the credit bureau. So whenever I was told the account was still showing opened at bureau ; I once again contacted XXXX XXXX, and he made me aware that the account was refinance ; he told me that he could n't talk to me about the account ; I then asked him, how can you not talk to me about my own account, he refused : without my knowledge he refinanced the account, and told me false information, that he had told the credit bureau that the account was closed. XXXX XXXX fradulent removed my name from account, and did n't bother to report the closing of account to bureau, after I had contacted him to ask him to please close, delete or remove from my records. I feel like XXXX XXXX does n't like me because of my race, he also hates me because I am disable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CIG FINANCIAL LLC
State: CA

Complaint narrative:
CIG Financial is constantly calling and harassing people who I used as references for an auto loan, looking for me after I have already told them to stop calling. People are calling/texting me angry and upset because they are saying a collection agency is calling looking for me and they do not want anybody calling their phones to speak to me. This has happened more than once on numerous occasions. CIG Financial will not stop the harassment and they are causing conflict! According to XXXX XXXX, she notated my account for no references to be called, yet this has not happened. CIG is constantly violating my rights and breaking the law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WMC MORTGAGE, LLC
State: FL

Complaint narrative:
XXXX allegedly executed an assignment of mortgage on XXXX/XXXX/XXXX and alleges that XXXX was the assignor and XXXX was the assignee. This document was not recorded in the XXXX XXXX records until XXXX/XXXX/XXXX and the document was NOT recorded by XXXX The document was recorded by XXXX XXXX XXXX and prepared by a known robo-signer and false document mill by the name of XXXX XXXX. The document states that it should be returned to XXXX XXXX XXXX after being recorded. There are XXXX loan numbers on the assignment. XXXX belongs to XXXX XXXX ( XXXX ) and the other belongs to XXXX ( XXXX ). There is also a min number ( XXXX ) on the document and the first XXXX digits of the min number are the company number for XXXX XXXX XXXX. At the time this document was prepared and signed, XXXX, had in fact been defunct for 2 years. XXXX merged and became XXXX for name purposes only in XXXX. When the assignment was executed, the loan was with XXXX XXXX and there was never an assignment of mortgage made from XXXX to XXXX XXXX. When this document was recorded, XXXX fully purchased the loan from XXXX XXXX. This assignment of mortgage is a fraudulent document. XXXX , Inc nor XXXX has ever had a license in the state of Fl. to service, lend or perform any functions regarding to mortgages. XXXX or XXXX, did not have the authority to assign my mortgage to XXXX. This document was signed 2 years after the co. was defunct and this company was never a member of XXXX.The company that prepared the assignment is XXXX XXXX and this is a known robo signer and fraudulent document mill. There are XXXX different companies involved on the assignment of mortgage.I have a statement from an employee at the company WMC Mortgage which is now the company for XXXX in regard to a QWR I sent stating " XXXX nor WMC would have the duty to respond as neither was your loan servicer ''. How did XXXX have the authority to assign my mortgage to XXXX when XXXX was not the servicer or the owner? It is my understanding that an assignment of mortgage has to be made by the owner or original lender, otherwise my next door neighbor could walk into the court house and assign the mortgage to himself.Why would a company that did not own my mortgage execute an assignment to XXXX in XXXX, which they were not a member of and then wait until XXXX to record the document in the county records? The mortgage was not even placed into the XXXX system until XXXX/XXXX/XXXX and this was done by XXXX XXXX XXXX. XXXX has refused to provide me with an acceptable response in this matter and I find it odd that no one seems to be able to answer a simple question ... Who is the lender?

Company response to consumer: Closed
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Cheek Law Offices, LLC
State: OH

Complaint narrative:
Hello, I want to first give a background story as to why XXXX XXXX at Cheek Law firm began harassing me in XXXX. To begin, XXXX bank says that I opened a " Credit Card '' on XXXX XXXX, XXXX and closed it on XXXX XXXX, XXXX as unpaid. I have never applied for a credit account with XXXX. I would like this taken off of my credit immediately. If you are unable remove this from my credit history, I would like supporting documentation including signatures showing I applied for credit and agreed to the terms and conditions on the account. 

Now that I have explained the back story, I will get into the harassment I have been enduring for seven years. Because of this, there is a public record from the XXXX XXXX XXXX courts for a garnishment of my wages by Cheek Law Firm and XXXX for the {$1700.00}. This case should not even exist as this was a write off error from XXXX stating this was a credit card debt. I was not aware that a " default judgment '' was going on from XXXX to XXXX, as it clearly states that I have NEVER signed for a judgment or garnishment. During this time period, XXXX XXXX from Cheek Law Firm has garnished my wages for 5 years, taking more than the original " debt ''. He has repeatedly called me and sent me fake letters saying I will go to jail. There can not be a case without a valid signature from certified mail, which leads me to believe a signature may have been forged. Cheek Law firm has left me alone since XXXX when the case was closed until now. I received a letter from Cheek Law Firm saying they are reopening my closed case and now this time XXXX XXXX wants {$4000.00}, with no reason as to why they are re opening the case, or why the money that was paid has somehow tripled in " debt ''. I have reached out to Cheek Law Firm to provide documentation of my knowledge and signature that I did agree to this debt, which they can not provide. 

After realizing now that my wages have been garnished for {$1700.00}, I would like Cheek Law Firm to reimburse me for the illegally garnished wages for the five years as there is no documentation and no representation. I would also like XXXX XXXX to stop stealing from me and harassing me by opening cases that have been closed for four years and asking for triple the original debt amount. 

Thank you, XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
I am XXXX XXXX XXXX XXXX and XXXX XXXX veteran and have lived at my address since XX/XX/XXXX. divorced from XXXX XXXX XXXX XXXX XX/XX/XXXX in XXXX XXXX a few years ago bills from my ex for which I have no connection, bills were created after my divorce, were being sent to my family in XXXX XXXX, he has never lived at that address. they stopped sending them there. Now Bills are appearing at my current address. He had never lived here in fact I purchased the house after 8 years after my divorce in XXXX. I do not understand why these people continue to torment me when I have nothing to do with this person. I do n't know where he lives or anything about him. XXXX I received mail from XXXX XXXX XXXX # XXXX who bought the {$15000.00} debt from XXXX XXXX ... .**************** now I received mail from First National Collection Bureau XXXX # XXXX. I think for me a XXXX vet with XXXX ... this breach of my privacy is unconscionable. he has no connection to me and I feel violated

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: HireRight Solutions, Inc.
State: CA

Complaint narrative:
I have applied for a job XXXX and on my credit report I have XXXX civil case which are not mine. Case # XXXX XXXX XXXX XXXX. I never applied for this loan. Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX, I have never owned a home to have any construction work done on. And case # XXXX XXXX XXXX XXXX XXXX XXXX, that is a fraud case and I would like someone to look into that asap. I have never had any criminal activity on my record and again my name was not XXXX until 2013. My name is also listed as XXXX XXXX XXXX which has never been my name. I was born XXXX XXXX XXXX and married XXXX XXXX, 2013 as XXXX XXXX XXXX. Please correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 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: CA

Complaint narrative:
I currently have XXXX {$300.00} payday loans from XXXX different storefronts in my neighborhood : XXXX, XXXX XXXX, ACE Cash Express and XXXX XXXX. I also borrowed an installment loan in the amount of {$2600.00} from XXXX XXXX XX/XX/XXXX. I am drowning in debt and I ca n't handle it anymore. I need some relief. This is very stressful and expensive. 

I first started using payday loans about XXXX or 7 years ago. My current situation of using multiple payday loans every two weeks started XX/XX/XXXX. My roommate moved out and I had to figure out how to cover all of my housing expenses on my own. At this point, I 've been churning XXXX payday loans every two weeks for over two years, and I 've paid an estimated {$10000.00} in fees, at least. To make matters worse, I 've been paying {$140.00} every two weeks on a XXXX XXXX installment loan, and I 've already paid {$2200.00} between XX/XX/XXXX and XX/XX/XXXX. But my total balance as of XXXX XXXX is still {$2600.00}! How is this even possible? 

On top of my outstanding payday and installment loans, I have a car note from my credit union that I pay {$320.00} a month on, plus {$180.00} in insurance. Plus, my rent is {$1100.00} every month. After taxes, I only bring home about {$1800.00} a month. So this is really hurting me and I 've reached my breaking point. I 'm really struggling to figure out a way to get out of all this expensive, cyclical debt. I do n't want to default on the loans, but at this point I 'm not seeing another alternative. I recently received XXXX utility disconnection notices from my gas, water and light companies. To make matters worse, I 'm also facing being laid off from work in the next few months. 

I need help. I do not have the ability to repay all these loans. I recently found out that it 's against the law for lenders to extend multiple loans to a borrower with an outstanding loan. So legally I should n't have even been able to get XXXX payday loans plus an installment loan at once. Can the CFPB help me in any way?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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: TN

Complaint narrative:
Ace cash express let me pay my loan. Then after. The loan was paid off the cashier stated we are closing so we are not going to renew any loans. They were supposed to close XXXX but they are still doing business. They left me broke and almost homeless because that was my way to make ends meet in between paychecks. That was n't right and they have done a few people like that. That 's not good business. Something needs to be done. Then after we paid the cashier stated we will get the money from we ever do n't pay. We will debit people account for the money that is due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Dyck-O'Neal, Inc.
State: NJ

Complaint narrative:
My home went through foreclosure in XX/XX/XXXX. In XX/XX/XXXX I received a 1099A stating that my home has a fair market value of {$190000.00} and that I owed {$120000.00}. In XX/XX/XXXX my home sold for {$120000.00} which covered the amount awed to XXXX. I then started receiving letters from Dyck O, Neal stating that I owe them {$75000.00} from the original creditor XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Threatened to take legal action
Company: Continental Services Group, Inc. d/b/a ConServe
State: IA

Complaint narrative:
Contacts me at work after i told them it is not acceptable and that my job was now in jeopardy because of their calls

Company response to consumer: Closed with non-monetary relief