vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Financial Data Systems
State: NC

Complaint narrative:
On XXXX XXXX, 2015 I mailed a certified letter to Financial Data Systems requesting a cease of communication notice. The return receipt was signed on XXXX/XXXX/15 by a XXXX XXXX XXXX. I received multiple calls after the letter was signed for. 
I also explained to the credit agency that I have not missed a payment, nor was I late EVER with a payment to their client. When I reported that to them, they claim their client is proceeding with collections even though I 'm not in default in any way to our existing payment agreement. 
And there were fees in the amount of {$370.00} additional added to the balance of {$1500.00} I owe their client. They can not justify the additional charges.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Well, Ive never received ANY communication prior from ACE regarding trying to contact me about my debt to them. Then I got a phone call from XXXX with my full name on the voicemail and mentioned that a company was trying to contact me to file a summons and a ticket in XXXX, but I have no tickets in XXXX XXXX and then referred me to XXXX and provided their phone # to contact them for mediation option. I contacted them and confirmed they are a company ACE hired to try and settle outside of court to offer an out of court settlement of {$800.00} dollars but only offered to pay in full or split into XXXX payments which financially is unreasonable for me to do. They mentioned the company would then take me to court for check fraud, but I did not do check fraud. I simple had unexpected expenses come up and was unable to pay the debt back and yes I had to close my bank account because they would keep drafting me which I could not afford to have happen or my rent would not be paid. I would be willing to work a small payment monthly back to take care of this but they wont do that. The XXXX rep also mentioned they can file judgement against me which can affect my car loan I pay monthly on. I can not afford to have issues with that considering my father has signed on my car loan and to my knowledge ive never heard of a company being able to do that for collections. I feel this is harassment considering Ive never got anything in writing prior to this and I do n't feel its right.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: TX

Complaint narrative:
For the XXXX time in my life I purchased a car. I was advised by the dealership here in Texas that CPS was financing the car. That was XXXX. As of today, XXXX, I have yet to receive ANY documentation from CPS. However, today I did receive a dept collection call from them because the XXXX payment was due XXXX & I was late. I NEVER knew the payment date & the dealership was n't certain of the actual monthly amount. Back on XXXX, my wife scanned and emailed a copy of the receipts for the down payment, a complete copy of the contract we received, and pictures of the interior and exterior of the car. The reason so is because when I received a call from the CPS processor I was advised the car had leather interior and a XXXX stereo system. This is n't the case at all. My wife and I were very concerned and have tried desperately to get a copy of the paperwork the dealership submitted to CPS. CPS has failed to provide us with anything even the monthly statement. Then, when we made the payment today we were charged a fee of over {$12.00} for XXXX XXXX although my wife paid with her debit card. When we call we 're dealing with the automated system, and when we do get someone it 's always a processor or operator that ca n't help us. When they tell us we 're being transferred to the CPS branch it just goes to the automated system and back to another processor. We are concerned we 're paying for vehicle features we do not have. And, to make matters worse, we recently learned ( the manager of the dealership slipped up and told us ) he added additional income XXXX check ) to the paperwork. I do n't receive a XXXX check at all. I have never dealt with anything of this nature in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION
State: FL

Complaint narrative:
MY NAME IS XXXX XXXX AND I HAVE A LOAN WITH SALLIE MAE, THE AMOUNT IS {$10000.00} AND THE INTEREST RATE IS AN UNBELIEVABLE 9 %. I NOTICED THERE ARE FEDERAL LOAN ALTERNATIVES LIKE THE XXXX FOR STUDENTS WITH AN INTEREST RATE OF 3.86 % FIXED AND THE XXXXFOR STUDENTS WITH AN INTEREST RATE OF 5 % FIXED. I WANT TO KNOW HOW I CAN GET MY INTEREST RATE REDUCED TO THE RATE OF XXXX OF THESE TYPES OF LOANS. I ONLY WORK PART TIME AND I CA N'T AFFORD THE PAYMENT THAT IS REQUIRED UNDER MY CURRENT LOAN. MY ACCOUNT NUMBER : XXXX. PLEASE CONTACT ME AT XXXXXXXXXXXX SO I CAN CHANGE TO A LOWER RATE AS SOON AS POBBIBLE. WHEN I TOOK THIS LOAN OUT I THOUGHT IT WAS A FEDERAL LOAN BECAUSE IT WAS FROM " SALLIEMAE '', BUT WHEN I RECEIVED THE LOAN PAPERS I WAS TOLD IT IS A NONFEDERAL LOAN. THAT IS VERY CONFUSING AND COULD BE DECEITFUL. I AM ATTACHING THE LOAN DOCUMENTS FOR YOU INFORMATION AND THERE ARE XXXX PAGES. THANK YOU XXXX XXXX XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION
State: ME

Complaint narrative:
I applied for a three month forbearance on XXXX/XXXX/2016 on all XXXX of my loans. I was told that my auto-debit enrollment would be cancelled and my next payment would not be until XXXX/XXXX/2016. Instead what happened was my auto debit was not removed and was charged on XXXX/XXXX/2016. The forbearance then applied on XXXX/XXXX/2016. I was also billed {$150.00} on XXXX/XXXX/2016 to finalize the forbearance, which while agreed upon, gave the impression that everything was set.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
This loan is a predatory loan in which I am paying. I signed a contract to purchase a XXXX XXXX XXXX at XXXX on XXXX XXXX. The interest rate on this loan is 17.95 %. The car is now only worth {$6300.00} at trade in value. My pay off at the moment is {$15000.00} after 2 years. The loan company named Consumer Portfolio Services is charging me 3 times over what the car is worth. I feel I was scammed into this loan and I have no way of trading the vehicle in with the large negative equity I have with this car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: WI

Complaint narrative:
I recently had a baby and since then have been struggling to pay one of my Sallie Mae student loans that has an interest rate of 9.5 %. I have repeatedly tried to call and speak with a collection representative to lower my interest rate and possibly my montly payment. Up until this point I have made my student loan payments and on time. I simply can not choose between childcare and supporting my family or paying student loans. Sallie Mae has refused to work with me other than offering forebearence which I plan to use in the future when we have another child.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION
State: NC

Complaint narrative:
I ca n't find a job in my field of study and I 'm having a very difficult time trying to pay it back working part time jobs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Gitsit Solutions, LLC.
State: PA

Complaint narrative:
I began short sale negotiations on XXXX/XXXX/16 with XXXX XXXX of XXXX, after I lost my job on XXXX XXXX, 2016 with the XXXX. I knew I was n't going to be financially fit to maintain the current XXXX modification plan approved by XXXX. XXXX XXXX and I have been in touch throughout the process. For I 've completed all of the paperwork XXXX required from me ( see RMA ) to complete the short sale process. I was eligible to receive {$10000.00} for relocation assistance under the HAFA modification program the property is my primary residence. Effective XXXX XXXX, 2016, XXXX transferred the loan to KONDAUR Capital Corporation ( see Notice of Servicing Transfer ). I was told by XXXX XXXX that they do not participate in HAFA program ( see text messages ). I have no other place to go and I 'm rebounding from becoming gainfully employed in XXXX 2016. I am appalled that XXXX transferred the loan in the middle of the short sale and the new servicer KONDAUR is not a participating in the Home Affordable Foreclosure Alternatives Program. I 've complied with all the requirements according the short sale paperwork and by the required deadlines. I am seeking relief of {$10000.00} under the HAFA program to assist me with the moving expenses of my XXXX children, my belongings, and finding another residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
These Ace cash express people keep calling evey one they can about a debt that is in my name. They even called my ex husbands wife at work in the middle of her work day to harass her. This is not my debt, I have never taken out a pay day loan and this is n't even on my credit report. After speaking to my ex husband he stated they have been calling him and harrassing him for the last two years, however these people have not contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Veros Credit, LLC
State: UT

Complaint narrative:
My car 's been towed by repo. So I tried to make payments and get my car back. 
Then I made the payments a week ago from now, and agreement with 2months extension, but I did n't get my car back yet. 
Now I try to call to them and talk about this, but they do n't answer. 

After read the critical reviews about that company 's services, I 'm sending this complain to CFPB because now I 'm so confused what I 'm gon na do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Dyck-O'Neal, Inc.
State: MD

Complaint narrative:
On XXXX/XXXX/XXXX, I submitted CFPB Complaint # XXXX. Dyck-O'Neal was attempting to collect on a debt that was a result of identity theft. The complaint was resolved, Dyck-O'Neal, agreed the debt was the result of identity theft, and Dyck-O'Neal deleted the credit line that appeared on my credit report. Two months later, Dyck-O'Neal issued me a XXXX indicating that it " cancelled a debt. '' I filed CFPB Complaint # XXXX, indicating that the issuance of the XXXX was in retaliation for my CFPB complaint. The following day, Dyck-O'Neal responded to the complaint indicating that the XXXX was issued in error, and that a corrected XXXX would be issued. In an apparent total disregard for the CFPB, Dyck-O'Neal appears to have sold / transferred the original debt that was the result of identity theft. On XXXX/XXXX/XXXX, four months after Dyck-O'Neal agreed to delete the credit line, I received a collection letter from XXXX , XXXX XXXX XXXX, XXXX attempting to collect the debt that was a result of identity theft, referencing both Dyck-O'Neal and the Dyck-O'Neal account number.

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 2016-05-05 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: ME

Complaint narrative:
I called ACE yesterday & person said they had no info for me except that my case # XXXX was sent to XXXX XXXX XXXX. Telephone # XXXX XXXX XXXX XXXX. 
I have been harrassed & threatened by numerous parties including the XXXX previously mentioned. 
A person claiming to be Attorney XXXX XXXX from XXXX left a text on my cell threatening arrest & 6 months jail time. His telephone # XXXX XXXX XXXX XXXX. The telephone # he said to call is XXXX XXXX XXXX XXXX. 
An Officer XXXX from XXXX XXXX XXXX Court called me yesterday & said an officer would come today to serve me with a Deposition Warrant & I could be held. He said he could not give me any info on what it was about or who was involved but gave me a # to call. ( XXXX ) XXXX. That # ended up being another attorney XXXX XXXX from XXXX, XXXX XXXX XXXX XXXX. He said I owed {$270.00} to ACE. 
The amount owed according to ACE is {$250.00} from 2013. 
I had been helped initially by Attorney XXXX. 
It was my understanding the situation had been resolved. 
I had continued to receive calls from XXXX. The XXXX stopped their harassing & threatening calls. 
Some calls were automated & said for me or my representative to call them. My personal attorney XXXX XXXX of XXXX did call but no one answered. 
Most of the calls received were automated and only partial info was clear. They did not clearly state their name, the company they worked for or any other info. 
Naturally I assumed these were scams. 
Also the calls come from several different area codes and numerous calls a day. 
At XXXX point the message said it was check fraud which I thought was a scam because I do n't write checks. 
My bills are all online & paid online. 
I always pay my bills even if I need to make payments. 
I would appreciate any help & /or advice you can offer me. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-24 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
Equifax ( Deceptive Business Practice ). 
This credit reporting agency changes my credit score ( usually lowering it ) whenever it suits them, and without ever providing to me any type explanation or reason for doing so. The most recent time was today, XXXX XXXX, 2016. While nothing changed in my financial circumstances since this agency 's last report of my credit score six ( 6 ) days ago, this agency lowered my score again, and I have absolutely no reason why it was lowered. Equifax 's website is secretive, in that it provides no rational manner in which to contact and dispute the altering of my credit score. I have complained to the XXXX and Office of the Attorney General of Pennsylvania but with little or no results. I am requesting that your agency intercede in this matter in an effort to have Equifax provide to me an exact reason or reasons whenever my credit score is lowered or increased or altered in any manner. Every time I check my credit score with this agency, I get ready for a surprise, and I do not like surprises. Please contact me if perhaps you should require any additional information regarding this matter. Respectfully yours, XXXX XXXX XXXX, XXXX. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Services Group, Inc. d/b/a ConServe
State: FL

Complaint narrative:
School balance was turned over to a collection agency. The agency was never in contact with me and the debt was paid to the school directly, who provided me with a receipt. The collection agency refuses to remove the collection from my credit reports even though the debt was not paid to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: OR

Complaint narrative:
Rushmore Loan Management XXXX acquired my loan from from my previous lender in early XX/XX/XXXX. This is not the first time my loan service company has changed ; however, it XXXX the first time I have reached so many difficulties. XXXX did not make payments to my home owner 's insurance that I have had since originating the loan in XX/XX/XXXX. In XX/XX/XXXX I had an issue in my bathroom that required submission to insurance to be fixed. I then learned that XXXX had forced placed their own insurance with a much higher deductible. The insurance XXXX came to my property and investigated the claim which resulted in payment. The payment was made to XXXX and then I was issued a check for {$200.00}. The difference in the XXXX insurance deductibles ( my insurance vs. forced placed ) is a {$900.00} difference resulting in the repairs not being able to be completed. I have not endorsed the check as I am not getting the insurance benefits I believed I was paying for and these funds with my portion will not cover the repairs. 
I was also told by XXXX, when I found out and requested my insurance to be placed back on my loan, that it was completed. My insurance company, XXXX, as well as myself have attempted to simply add my insurance to the loan with no results. I will be trying again today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: IL

Complaint narrative:
Our loan was sold fraudulently from our original lender to another company. The loan was paid off on XXXX XXXX, 2013 by sale. After numerous attempts with phone calls and e-mails asking for our original wet ink cancelled note and mortgage we to this day have not received them. The property is now up for sale and the chain of title has been broken and the owner selling the property is not the actual owner. As a mortgage holder it is my right to get my cancelled note and mortgage. The title is clouded and I do not want to have any responsibility in this mess and I am asking for my rights to be honored.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XXXX day within an hour of the first call they attempt to call again and I have record that it 's a total of XXXX calls in a day if not more and they call repeatedly that 's harassment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: TX

Complaint narrative:
Someone called my job asking for me would not say what company they were with but said they were trying to serve me with papers, that I was being sued.so this scared me I did not give any info, and ended up arguing with the lady on the phone because she would not tell me what company she was with. I told them not to cal my job anymore and gave my cell number. They called my cell left me a nasty messages again they were going to call my boss and let them know I was getting sued. I called the number back and found out it was a company saying their name was of XXXX and they were attorneys hired by ace check cashing and they were coming to my job to serve me.i was outraged and told them that was outrageous and not to call me again and threaten me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: GLOBAL CLIENT SOLUTIONS, LLC
State: CA

Complaint narrative:
statements, contracts I treated that this Co. Global Client Solutions LLC is a company that stole my money, and my wife with out my authorization. we were victims of unscrupulous an unethical practices. 
I spent to have a result soon looking forward for a solution to this important matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
My mortgage was paid in full years ago and now the bank is saying that it was not satisfied. I have the proof and documents to prove otherwise

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 non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: AZ

Complaint narrative:
My XXXX was deposited into my direct express debit card acct on XXXX but when I tried to order pizza that evening I rcd a msg that there was a problem with my card and to call my bank. All I knew initially was my acct had been suspended for suspicion of fraud and my balance was less than {$100.00}. My bank was alerted after XXXX transactions were made from XXXX merchants in XXXX, CA. They did not call me and I have to wait 3-5 days to file a dispute even though the transactions are still pending so should be reversed immediately. The thief spent XXXX in 4 hours and I 'm unable to pay my rent now. I have filed a complaint with the FTC, XXXX Police Dept, and do n't know what more I can do.

Company response to consumer: Closed with explanation