vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 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: SC

Complaint narrative:
I keep getting harassing emails and phone calls from a loan company. I attempted to pay them back several times but they will not send me any paperwork in the mail of how much I have paid or owe. The amount that they want me to pay is hundreds over what I borrowed. They threaten me with jail, court summons, and all kinds of legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
My mortgage servicer, Rushmore Loan Management Services, did not pay my property taxes. I sent them the bill multiple times, contacted them by phone and mail. They promised to investigate but the taxes are still overdue. There is more than enough money in the escrow to pay the taxes but they have not done anything. I do n't know how to handle this. 
The tax bill is already overdue with assessed penalties and could go to collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander Bank 's lack of transparency and customer service is detrimental to the consumer. Specifically, the information provided on my money market account lacked accuracy and timeliness. The interest rate, which I understand can be changed at anytime, is not communicated until the monthly statement is released and in this instance it was incorrect. As such, the first communication of the rate appears on the monthly statement. Since I am able to calculate daily interest rates myself, I monitor the account on a regular basis. From XXXX XXXX to XXXX XXXX, I noted a change in the interest rate. I phoned the branch and they told me the rate was reduced XXXX % ( from 1.25 % to .75 % ). They could not tell me the actual date. That same afternoon, I phoned their customer service. I spoke with XXXX XXXX, who told me the statement was produced on XXXX XXXX but was not yet available online. He expected it the next day and agreed to call me the next morning. On XXXX XXXX, when I did not hear from XXXX XXXX, I telephoned the service center and spoke with XXXX XXXX. She told me the statement was produced and the rate appearing on it was 1.25 % ( how could this be if the rate had been changed to .75 %? ). XXXX XXXX, during our conversation, told me she was having a problem with her computer and would call me back in five minutes. She never called back. Several hours later, I called the branch ( XXXX XXXX XXXX ), expressing my anger and disappointment and stating I needed to hear from someone in authority at the executive offices. I have not. Bottom line, one would be over one month in arrears in knowing actually what they are earning on their funds. This is good for the bank but unfair to the customer. Santander should update the account website with the interest rate being earned. They already show a vast amount of other pertinent data. One could conclude they do not want the customer to know.

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 2015-07-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: MS

Complaint narrative:
I got a loan for a car in 2005 from GM Financial. They are reporting my late payments incorrectly. They keep changing the month and year of the XXXX late payment everytime it get 's close to being XXXX years to remove it. They are also reporting on my husbands credit report for the same loan but putting different information on his than mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: FL

Complaint narrative:
GM Financial has a fraudulent account in my name. They 're refusing to remove it from my credit report after I 've provided them with my identity theft report and identity theft affidavit. I did not open this account or apply for it. I am a victim of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Reverse Mortgage Solutions, Inc.
State: TX

Complaint narrative:
Reverse Mortgage Solutions, Inc. XXXX XXXX XXXX, 2015 I received this letter " Your failure to pay the property charges requires us to pay these expenses on your behalf. The total amount paid to date on your behalf, which you must repay is {$160.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: General Motors Financial Company, Inc.
State: VT

Complaint narrative:
it says that AmeriCredit ran a report on XXXX/XXXX/15 I do not know how this happened I never said that this could happen the only report that should of been runned that day is for XXXX XXXX XXXX XXXX, VT. 
What can we do to fix this problem. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Lionstone Holdings Group
State: TX

Complaint narrative:
This company has called my work issued phone threatening to file with the XXXX County Court on a Saturday. When I asked for what, the gentleman got extremely rude and defensive. I have since blocked the calls. Now they have made several calls to my XXXX year old mother. She has told them each time to stop calling her and to remove her from the list. She decided to call and the gentleman she spoke to was rude and told her that she can not tell him how to do his job and that there is nothing stating to stop the calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: HANCOCK WHITNEY BANK
State: FL

Complaint narrative:
My lot loan with peoples first was transferred to hancock in XXXX when the FDIC closed peoples. The loan was a XXXX yr balloon that hancock was not willing to extent or refinance. The loans was paid timely until maturity. i was unable to refinance with another lender due to the value of the property and the state of mortgage lending in general. It took hancock over 90 days to settle the loan and they agreed to accept less than the outstanding balance. although i continued making payments, this caused the loan to appear 90 days late due to the balloon feature. 

Below is a partial letter I 've sent to Hancock bank asking them to correct their reporting ... 

Hancock Bank Research Department Fax : XXXX, XXXX pages XXXX XXXX, XXXX To whom it may concern ; Please research and correct the CBR reporting for the lot loan on a property located at XXXX with a loan number XXXX This loan was purged from your active system in XXXX. 
This single lot loan shows on my credit report XXXX separate times, as a mortgage, a home improvement loan, and a trade line of unknown type. It also shows as XXXX separate items with 90 day lates, representing XXXX adverse trade lines. I 'm enclosing my entire credit report dated XXXX/XXXX/XXXX for your review. 
Also attached is an email I sent to XXXX XXXX in XXXX of XXXX documenting my conversations with him. I was assured by him that Hancock would resolve this issue in an expedited manner. 
Lastly, I 've added the Settlement of Debt Notification Letter dated XXXX XXXX, XXXX. 

Please contact me via email at XXXX or cell phone at XXXX as soon as possible. 

RespectfullyXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: CO

Complaint narrative:
In XXXX 2015 we agreed to a vehicle lease with Nissan Motor Corp ( dealership in XXXX XXXX CO ), and were told we would have to pay {$400.00} for tires on the vehicle that we turned in due to its lease ending. This was a key part of the deal and primary reason for agreeing to the new lease terms. After closing, we received a bill for {$700.00} for various charges not related to tires. Essentially they told us a lie to close us, then just billed us for whatever they wanted. We did speak with the dealership and they sent us a check for {$300.00} so we would only be liable for the {$400.00} originally agreed upon. 

The problem is that before this reimbursement was made, the dealership sent the {$700.00} bill to a collection agency, thus causing a negative impact on our credit. My wife XXXX XXXX is the primary and I am the co-signer and this is obviously impacting XXXX our credit scores, and all because of a lie in order to close a deal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: CA

Complaint narrative:
I keep getting calls and voicemails from ( XXXX ) XXXX on my cell phone and land line about collecting a debt on payday loans that I have never taken out. The voicemail say that I am a " person of interest '' in a time sensitive legal matter, which in other words is saying that you are being investigated by law enforcement. The company claims to be Highpoint Asset.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Kinum, Inc., Indianapolis, IN Branch
State: TX

Complaint narrative:
On XXXX XXXX, 2014, XXXX XXXX XXXX, with Kinum, Inc., called me, he was abusive. He yelled, suggested I turn off a cell phone and get rid of it to pay the debt. I explained I did not own the phone, then XXXX XXXX hung up on me. 

XXXX XXXX did not use any foul language, but I spoke with the Chief Compliance XXXX XXXX XXXX the same day and filed a complaint. However, instead of taking any interest in the conduct of XXXX XXXX, the conversation quickly turned back to the debt. More then a year later I have not heard the result of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: General Motors Financial Company, Inc.
State: IL

Complaint narrative:
On XXXX XXXX, XXXX, My truck XXXX XXXX XXXX XXXX XXXX was wrongfully repossessed by GM Financial. I was in a Chapter XXXX bankruptcy and I entered into an agreement with GM Financial which stated on page XXXX ( please see attachment ) of the court order if I am past due XXXX payments, GM Financial is to send me a correspondence giving me 14 days to cure the default or the vehicle would be repossessed. I received a call from GM Financial on Saturday XXXX XXXX, XXXX but since I was at a church event, I could not answer the call nor did the person leave a voicemail. I never received notification from GM Financial stating the payment was past due. I received notification the day the truck was repossessed from the court stating there was a motion to repossess to truck. The truck was already gone by the time I received this letter. Since this incident, I filed a lawsuit against GM Financial. During the last court date on XXXX XXXX, XXXX, the judge dismissed the case stating it was out of his jurisdiction because the court order was from Bankruptcy court and I would need to handle matters there. GM Financial 's attorney, XXXX? ( Her last name was not visible on the court order ) immediately started lying to the judge before he dismissed the case. She was also irate and confrontational because I decided to file a lawsuit in XXXX, almost 6 months after the repossession. She lied about the truck being sold by GM Financial after my bankruptcy was dismissed. The truth is I never received I never received notification from GM Financial about a past due payment prior to the repossession as agreed in the approved court order, the truck was sold on XXXX/XXXX/XXXX, and my bankruptcy was dismissed on XXXX XXXX, XXXX. I was n't clear if she was trying to say there was a statute of limitations in regards to a case such as this but GM Financial was wrong and took advantage of my situation. On the day the truck was repossessed I called GM Financial and spoke with several representatives who confirmed no letter was sent advising of the past due payment. Also, I planned to pay on that day because I was paid on that day but decided to leave GM Financial and not do business with them anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: High Point Asset Inc
State: MD

Complaint narrative:
On Monday, XX/XX/XXXX I received numerous robotic voicemails on my cellphone, place of employment and residence from a company called High Point Asset Inc. located in XXXX, NY. I received another robotic call from this company today, Tuesday, XXXX XXXX this time I called them back. I spoke with a gentleman who identified himself a XXXX XXXX he alleged that I owed a payday loan from XX/XX/XXXX. I explained to XXXX XXXX that I never took a payday loan for that amount. I told him that if I continued to receive these calls I would report him to the AG 's office for the State of Maryland, I suspected that High Point Asset is not licensed in Maryland or the District of Columbia and he his response was " Yes we are. '' When I asked him to provide me with the business license number he said he would have to transfer me to the business " owner '' XXXX XXXX. 

He then transferred me to a XXXX XXXX who identified himself as the " Manager '' of High Point Asset Inc. 

Once again, I explained to XXXX XXXX that the payday loan debit that they were alleging I owed was not mine. I then asked XXXX XXXX what was the name of the company that he was collecting the debt for he stated XXXX. He said the file was transferred to him. I explained to him that I had never heard of XXXX. Just as I had XXXX XXXX, I asked XXXX XXXX for the business license in order to confirmed that they were licensed to operate in the XXXX and Maryland and his response to me was " I do n't have it on me. '' Really? Then I asked for an address in which that I could send a Cease & Desist letter and not a p.o. box number. At which time he stated that a Cease & Desist was placed on my phone numbers at XXXX something that morning. But refused to give me anything other than a p.o. box. 

I informed him that a Cease & Desist had to be in writing. I also informed XXXX XXXX that I was going to file a complaint with CFPB and with the FTC. He his response was " And I will respond to the complaint by saying we already did a cease and desist on your number. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
I paid my car loan off in XXXX of last year ( 2015 ) and I still have not received the title from GM Financial. That 's over 6 months. I paid XXXX payments on a 60 month loan and I feel I should have the title by now. I have received no communication from GM Financial about the loan since I paid it off. 
There was an issue with the XXXX payment. A couple of months after I sent the last payment to GM Financial I got a call from a nasty little girl telling me that my account was 81 days past due. Since I had made more payments than the loan called for and all of them had been made on time I believed her to be a scammer trying to steal money from me. I told her as much. She continued to attempt to get me to give her money but after talking for a few minutes she then changed her story and admitted to receiving the payment but lied and said the check had bounced. 
To make a long story short, the young woman had no suggestions as to how to rectify the situation except for me to give her money. All she offered to do was send me a list of payments. I already know every payment made to GM Financial so that was of no assistance. 
I came up with my own solution since the big bad poorly run financial services institution was incompetent and unable to run its business. I first checked with my bank to see what the story was with the check. They confirmed what I knew to be true, that the check had not bounced or otherwise been rejected for any reason. They did, however, tell me that the check had never even been presented for payment. 
My next step was to send a replacement check along with a letter explaining the situation. I took the steps to do this, on my own time and at expense to me personally. GM Financial actually rejected the delivery! So, once again, at the expense of my own money and a great deal of time I found another address for GM Financial and resent the letter and the check to the new address. This time the letter was accepted and the new check was cashed. 
I also received a letter from GM Financial indicating they received my inquiry and that they would look into it and get back to me. That was several months ago and I have received no communication from GM Financial since. 
I did check my credit report and it indicates that I made XXXX payments late, which is untrue, and that I still owe {$45.00}, which is also untrue. 
I need GM Financial to fix the mis-reporting to credit bureaus and to provide me with my title. At this point I also feel I should receive some damages for my out of pocket expenses and the injury to me personally and reputationally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FL

Complaint narrative:
I have written this company at least 10-12 times in the past two years inquiring about the status of account # XXXX. I also disputed the accuracy of this account through the XXXX major credit reporting agencies. The bureau responded every single time ( 14X ) stating that Nissan stated they are reporting accurately. However, they are lying because the amount they stated that I owe is not correct and nor is the date of status ( my last activity ) on the account accurate. They never notified me that they sold the truck nor the amount that they sold it for. The amount I owe should be less whatever they sold the truck for. This should be the amount that 's reported on my credit file. I have contacted this company via the credit reporting agency asking for a debt validation regarding this account # XXXX. However, I have n't received a response. They still manage to keep reporting it on my credit profile every month even though they have not validated the debt. At this time, I am asking this company officially to validate this debt by sending me a copy of the contract which contractually binds me to pay the debt as being reported on my credit file. In addition, you should take note that re-aging this account is illegal. The FCRA Compliance Date is the official beginning of first date of delinquency which can not be changed once an account is charged-off. The 7-year clock begins 180 days from the time I FIRST missed a payment. Once a charge-off or collection account reaches seven years the credit bureaus must purge the account and it will no longer appear on future credit reports. This date from which the collection must be removed is informally referred to as the " purge from '' date. Re-aging a delinquent account is a serious violation of the FCRA. An original creditor or a debt collector may engage in illegal re-aging on the same charged-off account. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance. If this request is not met in approximately fifteen working days, I will have no choice but to contact a consumer attorney in hopes to resolve this issue. I have tried for months to be civil in hopes of reaching a mutual resolution, but to no avail. The company has chosen to practice illegal and unethical tactics in an attempt to get me to pay a debt that does n't belong to me. Please govern yourselves accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I sent a letter to Equifax letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Equifax refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Equifax provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX I am attaching this XXXX account they are not reporting this as a retail account and they are also not saying that this was closed by myself not by the credit granter which if effecting my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
XXXX XXXX is reporting that Equifax Credit Bureau reported a hard inquiry from creditor, XXXX, hard inquiry date XXXX XXXX, 2015. I have not applied for anything nor gave written permission to XXXX to have a hard inquiry being reported from them nor Equifax on my credit report. Unauthorized hard inquiry being reported from Equifax and XXXX. Immediate removal of hard inquiry reporting from XXXX and Equifax credit bureau is requested by me as this was an unauthorized nor was a written request made by me and is justified for immediate removal under State of MN credit reporting laws.

Company response to consumer: Closed with explanation