vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: IL

Complaint narrative:
My XXXX yr Old Mother is being Harased and Intimidated by RMS reverse Mortgage XXXX XXXX XXXX XXXX XXXX XXXX Texas XXXX by XXXX XXXX XXXX XXXX XXXX. She was in the Hospital and RMS was told this and Started Foreclosure proceedings. The reason was that she was not occupying the property. When she came back home she started getting the Notices. We were told to have her sign return the Occupancy Letter. There was never any occupancy letter ensclosed. Only form to surrender the Property and hand over the keys. The Loan Balance is XXXX K the Home is appraised at XXXX. This is predatory lending practices to take a large amount of equity away from an unsuspecting XXXX person. I can never reach XXXX XXXX hes always Not Available or out of the office. We get the letters sent by Special Delivery on Saturdays when there office is closed My Mother who is XXXX. This has been going on since XX/XX/XXXX. We have faxed over utility bills and a signed letter that my Mother resides at our residence. The Company has stated that the loan will be taken out of default and Reinstated but they refuse to send us anything in writing. Last weekend we received yet another letter again threatening foreclose for unpaid taxes. I have paid all the taxes current. The letter even states the amount owed for taxes is XXXX. But they keep sending the forms to let the property go to them so they can steal all of our equity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: LA

Complaint narrative:
I obtained a copy of my credit file around XXXX 2016 and filed a dispute through the credit bureaus against XXXX XXXX XXXX and Nissan Motor Acceptance. Once bureaus investigation was completed it came back the information disputed with XXXX XXXX XXXX was verified, no change and Nissan Motor Acceptance as new information. In receipt of this information I sent XXXX and XXXX a letter of stating : This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. 
XXXX XXXX XXXX than replied with a letter saying they received my dispute for verification and to be advised that XXXX XXXX XXXX confirmed the name and address listed on the account as well as the amount due. Nissan Motor Acceptance has not responded to my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Santander bank failed to comply with their funds availability policy ( that the first XXXX $ of ATM deposits will be available on the first day after the day of the deposit. 
This failure caused a " default fee '' to be charged ( by them ) when the XXXX $ was not available the next day. 
On XXXX XXXX, 2015 I made a ( Non-envelope ) ATM XXXX of a {$4000.00} check, and on XXXX XXXX an automatic payment was rejected for insufficient funds because XXXX had decided to hold the funds until XXXX XXXX. 
In the months that followed while trying to resolve this, I have been lied to ( and even threatened ) repeatedly - in person, by phone and by letter. I have never been given any justification for the banks actions except that " they reserve the right to not honor their own policy '' ( a reservation not stated anywhere in their policy ) I am a long time customer in perfect standing ( the account involved is more than 30 years old ) which was well before Santander was allowed to come from XXXX and take over United States banks. 
The are links to the bank 's posted policy and related US bank rules:1-XXXX2-XXXXthe entire Santander account agreement : XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
My loan documents clearly state that as the loan was opened with a primary loan there are no annual fees, This is at least the 3rd time now that Santander Bank attempts to charge me a {$50.00} fee which then causes me to have to spend hours explaining to them that my loan should not have a fee.

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 2015-07-01 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
This is a former sovereign bank home equity loan now with Santander Bank. I acquired this HE Loan in XX/XX/XXXX with an interest rate of 7.49 %. I lost my job in XX/XX/XXXX but have been trying to maintain payments. My balance is presently {$86000.00}, I am delinquent from XXXX XXXX, XXXX. I am now employed but at a lower paying job. I send the bank {$200.00} a week to maintain the payments of {$620.00} a month. I have tried repeatedly to refinance this loan, but the bank will not listen. I do n't want to loose my apartment as I also take care of my ailing father. I have over {$2000.00} in late fees which XXXX will not waive. I have never neglected this loan. I am current in my maintenance fees. XXXX has advised me that I do n't qualify for a HARP loan since this is not a mortgage, but its a home equity and I need to know who can help me with this. I am receiving threatening phone calls telling me to get another loan to pay the arrears, which I ca n't based on my credit rating. I am asking the CFPB to help me work with XXXX to keep my home. I also need them to stop threatening me since I am maiking weekly payments. Also if they can reduce or waive these lat charge. I can be reached at XXXX XXXX XXXX, XXXX, NY or XXXX. Thank You. XXXX XXXX. My account number with XXXX is XXXX # XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
Since several month ago Rushmore Loan Management Services ( RLMS ), Collection department, is sending me monthly letters, dated the XXXX day of the month, saying that I did not pay my monthly payment. Accord the NOTE I have until the day XXXX of each month to do my monthly payment, and they also put at the monthly billing statement of XXXX, XXXX ( attached copy ) that I did not pay them and I did it. I always send my payment the XXXX day of each month, so they receive the payment in 3-5 days. This is happening since they cut the Monthly billing Statement on the day XXXX of each month, and it showed as I did not pay them, and I did it, so my monthly billing statements should show the payment I done : my concern is that if the payment is not reflected in the Statement, means they can put me in foreclosure eventually. I really did not wish to be in that position since is very stressful, and I did not like it because I am paying them every month according with the NOTE. 
Also they put a clause that mentioned that {$73000.00} as a deferred balance that I suppose to pay at the end of the loan, that also worry me since I am a XXXX, and in XXXX years I should pay them a balloon payment of {$73000.00} at the end of the loan ; for me is a treat to lose my home after several decades of paying it. They also mentioned al the addendum that I have 2 years to refinance my home, and that if I do " probably '' they will eliminate the {$73000.00}. I visited several companies in the refinance marketing, and after they review the documents done for RLMS and they told me that they can not refinance my loan, and that the only one who can do it is RLMS. I sent a letter to them asking for the refinance process.RLMS received {$25000.00} in XXXX and then $ XXXX XXXX, from Keep Your Home CA with the porpoise of maintain the families in their home, and stabilizing the house market, means the government did it their part and effort, I am paying them every month, so I am expecting them doing their part also : refinance the loan and eliminate the {$73.00}, XXXX described at the Loan Modification agreement paragraph XXXX, page XXXX and paragraph XXXX page XXXX, page XXXX Balloon Addendum ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XXXX XXXX 2015 I called Santander bank and received information about opening a checking and savings account. They told me to come into the bank and I could open an account the same day. I brought all my necessary documents and filled out the paper they provided me with. They asked me if I wanted to make a deposit to my new account and in turn I gave {$130.00} cash. After taking my money I was then given a receipt with a business card stapled to it and told to call tomorrow to receive an account number. 
I was stunned by this because I was hoping to receive my account information that same day. I was also confused as to where my money would be going if there was no account information provided? I just went along with it because I had never done banking with this bank before and I was unaware of their practices. 

Today I called the business card stapled to my receipt as I was told to do and I was then told to call back in a couple hours, that the branch manager was working on my account. I got frustrated and called Santander customer service and they informed me that it was not standard practice to take a customers money without providing them with an account number. They also said the branch manager would contact me but i requested to be transferred. When speaking to the branch manager I was told I could not be allowed an account and she provided me with no reasons. I was very confused by this. The branch manager was beyond rude even raising her voice at me. Aside from that I was just frustrated that she was asking me to come and pick up the money. I told her I was moving today and she said with an attitude well we will just mail you a check. 
My compliant is really about them taking the money in the first place. I 'm a social worker so I do n't know about the rules and regulations that banks need to adhere to, but I believe they should n't be able to take someones money without first approving the account and also providing that customer with an account number. 
I work really hard for the modest salary I 'm paid and now because I 'm moving and ca n't make it back to that branch I 'll have to wait for check to be mailed to me. 

I 've never in my life had to file a complaint but I am willing to do this today in hopes that it will not happen to someone else.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2016-09-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc.
State: NH

Complaint narrative:
On XX/XX/2015, I went to XXXX in order to get a loan to re-finance my car loan with GM Financial. I was assisted by member representative, XXXX XXXX, who contacted GM Financial and obtained a loan pay off amount of {$13000.00} for my Loan # XXXX. GM Financial said that the payoff was valid up to XX/XX/2015. On XX/XX/2015, XXXX send a Treasurer 's Check in that amount to GM Financial and also requested that the title of the vehicle be mailed to them immediately ( see attached ). 
On XX/XX/2015, I received a statement from GM Financial showing a {$0.00} amount due ( see attached ). 
On or about XX/XX/2015, I received a payment reminder email from GM Financial. I reply back indicating that my account was paid off XX/XX/XXXX and I also asked whether I 'd received this email in error, but I received no response ( see attached ). 
XX/XX/2015, I received a phone call from XXXX asking whether GM Financial had mailed the car title directly to me. I contacted GM Financial and they told me they had not because they were waiting for the full payment on the car. I contacted XXXX again who confirmed that they had paid off the car ( see attached ). 
I visited a XXXX branch on XX/XX/XXXX and was assisted with the assistant branch manager, XXXX XXXX ( see attached ), who contacted GM Financial herself. It was only at this time that we learned that the original payoff XX/XX/2015 was in correct and that there was still a balance of {$330.00} due on the account. 
When this became known to me, I immediately made the payment to GM Financial ; and the company sent me a satisfied pay off letter on XX/XX/2015 ( see attached ). 
I was surprised to learn though that although I had paid off the account in full on XX/XX/2015, GM reported this as being 30 days late ( see attached ). 
As a result of this delinquent reporting, my credit score has dropped significantly and I have been unable to obtain credit from any financial institutions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
open a simply checking account in XXXX 2016 due to the promotional XXXX bonus have not received of this date called customer service was told did not received it because my son has me on his account what does have to do with the fresh account under my name that i open in XXXX have to do with the promotion very dissatisfied if the person at the branch would have told me that because my son put me in case of a emergency on his account i would have never open XXXX at this point i am looking into other company to do business with

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 monetary relief
Consumer complaint received 2015-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Featured Mediation, LLC
State: FL

Complaint narrative:
XX/XX/XXXX & XX/XX/XXXX I entered into an agreement with a debt collection company to pay a credit card debt. The amount owed was paid in full and the account was closed. It was for a credit card I believe XXXX bank. I have never heard anything since and have not seen the debt reported on my credit reports as deliquent after being paid off. Recently this Featured Mediation LLC company has been calling XXXX times a day to my husbands phone and to family friends stating I have no choice but to pay the debt or have my wages garnished XXXX % and have legal proceedings brought against me including jail time. The calls are constant and very threatening. We have saved some of the voicemails that have been received since giving up answering the calls. A letter has been sent to the company requesting they stop contacting via phone ( although it may not have been received as of this complaint as it was just recently mailed ). I 'm not even XXXX sure if the debt they are claiming is the same as the one I paid as I paid off a XXXX and they are stating XXXX, but it 's the only credit card I had at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Elite Financial Services, Inc.

Complaint narrative:
They called me on my job and when asked not to call, the rep said that they 'd call again if they needed to verify my employment. They also talked rough and kept asking me to commit to a payment. When I said that I did n't know how much I could pay, they tried to bully me into to making a payment by saying, " Do n't you know how much money you 'll have. '' They also told me that they 'd put this on my credit report and I 'd have trouble renting a home/apartment in the future. Lastly, I called them on Wednesday, XXXX XXXX, XXXX to ask them if I could settle the account with a {$100.00} payment since my balance is {$200.00} and I had n't made a payment since XXXX XXXX. They refused the payment. So, I said, " Ok, I will take the {$100.00} and pay it towards another bill, '' and the rep said, " Ok. Have a nice day. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Dyck-O'Neal, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I contacted Dyck-O'Neal in regards to their account # XXXX. In the letter, I explained that the note was a modification of an existing mortgage loan, not a new financial instrument. Further more, I supplied a XXXX clearly showing that the entire balance was charged off and that a Satisfaction of Mortgage was filed on XX/XX/XXXX after the date that Dyck-O'neal states this account was opened. Since my communication to Dyck-O'neal, no satisfactory explanation of how their account is a valid debt has been provided to me. Communication from them has been sporadic at best, with no communication during recent periods of a year or more. Recently, I disputed this account with XXXX credit reporting agencies since Dyck-O'neal decided to start reporting this account as late. The disputes resulted in still no details of why this debt is valid. 

In a nutshell, this debt was 100 % charged off by XXXX XXXX during a Deed-in-lieu of foreclosure and Dyck-O'neal has no right to attempt to collect on this.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MD

Complaint narrative:
In XXXX XXXX I was approved for a 3 month trial modification on my mortgage. I completed ed my trial successfully and now my mortgage is 7 months in. Since my monthly payment was 50 % of my current income I had applied for a monthly mortgage reduction in XXXX XXXX and was granted starting on XXXX XXXX. XXXX. When I went to make my XXXX payment online thru there website the option was not available. I was told there site would be down approx. XXXX3 weeks, so they suggested to make the payment by phone. When I called the representative they had the old payment and not the new payment updated. They said they could not find the new notarized modification I mailed backed to them last month. Today I had it scanned and emailed this to them and they still are demanding I make the old monthly payment. I currently have XXXX neighborhood housing in MD trying to help with this but they are not getting anywhere with them. I have made XXXX on time payments and I do not want to go into default. I do n't know if this is a game there playing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NM

Complaint narrative:
I have received several calls ( Assume it is Ace Cash Express ) XXXX ) that the Attorney General has requested the State Police to Arrest me for an uncollectable debt. That within XXXX hours they will pick me up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: WA

Complaint narrative:
Rushmore Loan Management Services LLC ( RLMS ) purchased my mortgage from XXXX XXXX XXXX in XX/XX/XXXX. I was assured the my loan payment would not increase, however, since XX/XX/XXXX, RLMS has continued to increase my loan payments stating variety of reasons such as home insurance increase, property tax increase and escrow shortage. I requested to have my loan account to be reviewed for the listed shortages and the company did not respond for 4-6 months. XX/XX/XXXX I received another report listed escrow shortage, this time much larger that the last. I am sending my written request to RLMS on XX/XX/XXXX for yet another investigation in the shortages. My home insurance and property tax increased for an annual total of {$97.00}, not even close to what the RLMS ' shortage amount of {$780.00}! Please advise on proper legal action so that this company does not commit fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: First National Collection Bureau, Inc.
State: IL

Complaint narrative:
Per my XXXX credit report this company has unlawfully and doesnt so without my permission pulled my credit report XXXX times in the last 18 months. The information below is taken directly from my XXXX credit reportFIRST NTL COLL BUREAUXXXX XXXX XXXX, NV XXXX ( XXXX ) XXXXRequested On : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: GA

Complaint narrative:
I was offered a modification and was going through XXXX Georgia at the same time and I needed XXXX Georgia to make decision and the mortgage company put me in foreclosure. They put me in foreclosure and sent me a modification package to complete and return to them for review at the same time. I am frustrated with this type of process ... Is this the protocal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: First National Collection Bureau, Inc.
State: DC

Complaint narrative:
This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation