vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NV

Complaint narrative:
Every time a make a payment on my XXXX Nissan Ultima they charge me {$12.00}. I have asked them more than XXXX times if there anyway to avoid paying the fee, and is there another way to pay. I have even gone to the dealer I purchased the car at they tell me no as well. 

Here is the ask question I asked again yesterday on the phone and today in an email format : How do I avoid the {$12.00} extra finance charge not in the APR of my truth and lending? 

My name XXXX XXXX My account # is XXXX My car is a XXXX Nissan Ultima I did n't realize there was a CFPB. A mortgage loan officer told me about. If I had known the CFPB had existed before, I would have already filed this complaint as this has been going on for almost 4 years now. 

They force me to go to this XXXX XXXX site which is directed straight from Nissan. 
I believe this should have been disclosed as another finance fee and calculated in my APR when the original loan was disclosed. This is an extra {$150.00} a year extra I have been paying that is a true cost. 

Thanks for any help you can offer me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: HANCOCK WHITNEY BANK
State: CA

Complaint narrative:
I am complaining on behalf of my mother and myself in my role as trustee of her trust account. I have only recent become involved in the current matter as a result of the bank denying my mother access to her trust account. This account has a balance of approximately {$250000.00}. Apparently the bank has never paid any interest on the account. Although she is the beneficiary of her trust she is denied access to the account. She has not needed the funds until recently, but now needs them to live. My mother is XXXX years old. The bank has clearly exploited an XXXX and vulnerable individual. As trustee of the account I have tried to have the bank provide access to the funds to my mother. Having received no cooperation from the bank I instructed the bank in my role as trustee to transfer the funds to another institution and close the account. The bank has declined despite being given specific and unambiguous instructions. The bank wants me to appear in person. I live in XXXX and the bank is in XXXX. It is not possible for me to appear in person and the bank knows this. This bank has and continues to be engaged in the exploitation of my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
XXXX/XXXX/27 Dear Consumer Financial Protection Bureau : Attached is a follow up complaint to my initial complaint number XXXX due to incomplete Santander Bank manager and/or representatives ' response to my request. Thank you for your help. 

XXXX

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 2016-06-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Reverse Mortgage Solutions, Inc.
State: FL

Complaint narrative:
Reverse mortgage solutions had my parents sign a mortgage they were not capable of signing in XXXX and also never provided and allowed them by law to take the mandatory XXXX seminar for reverse mortgages before signing paperwork not allowing them the opportunity to insure their mortgage. Also a banker went to their home after they had XXXX just recently been hospitalized from surgeries and had then sign paperwork while under the influence of heavy marcotics from their doctors and my father was not able to read and write and he was just told to sign anyway. My father told me before his passing he did t understand what the reverse mortgage was and what was going on and how my mother and father would have never signed it if they had understood what it was.they have refused sinc XXXX XXXX to provide me paperwork, to speak with me about reconstructing this illegal mortgage and refuse to provide all documentation my mother and father have signed. I have been refused and they respond with either silence or a crazy answer having nothing to do with what I requested dozens of times. They are purposely threatening and using intimidation tactics on behalf of their legal tepresentative who feels it is legal to add {$1200.00} weekly and sometimes twice a week to my parents reverse mortgage and call it corporate advances and refuse to give me any break downs of the " corporate advances ". 
They have also sold this low. After XXXX of my parents passed. 
They continue to do illegal things.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Wright & Lerch Attorneys At Law
State: IN

Complaint narrative:
Hello, I am currently receiving requests for wage garnishment from a debt collector for an additional amount that they were not awarded by my local court system. They have been overpaid for the amount that was awarded and actually owe me over {$500.00}. 

I have contacted the company that the original debt was with and it has been satisfied. I have repeatedly requested receipts for my payments from the debt collector and have never received XXXX. I have paid everything through my debit account so I know how much I have paid. I have requested a copy of my account showing where I owe additional money and they have never produced any documents. When I asked what the additional charge was for I was told that it was for " legal fees '', which were not awarded in the lawsuit. I said no you were not awarded legal fees and so they changed their story to " cover the interest on the account ''. They were not awarded any interest either and it is very clear in the judgement. 

So they have been trying to receive payment for items that were not awarded and they can not produce any documentation showing where I owe any additional amount. When I have spoke with their phone personnel no XXXX can answer as to what the charges are for? 

They owe me a refund which I want, I can produce the documentation showing what I have over paid. I 'm tired and frustrated that I have had to deal with these people and they seem to feel they can do whatever they please. I never denied having a debt and had made arrangements to pay the debt before going to court, However, the collection company refused to accept payments from the debt consolidation company that I hired. 

Last year I filed a complaint with the Consumer Financial Protection Bureau regarding the amount I owed and they contacted the original lender and an adjustment/credit was made to the account. I thought that everything was straightened out, and for the most part it was. But now I have this lingering problem that I need guidance in handling.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: General Motors Financial Company, Inc.
State: AZ

Complaint narrative:
GM Financial has not released a lien on my vehicle. I paid them the balance of the loan via XXXX XXXX as requested by the company and per their company policy they stated the lien release would happen in XXXX business days. GM received the balance of the loan on XXXX/XXXX/16, per their customer service rep. and it is now XXXX/XXXX/16, and the Arizona Motor Vehicle Dept. still has not received the lien release electronically. GM 's rep. states it was done XXXX/XXXX/16. I received a notorized Lien Release letter XXXX/XXXX/16, and contacted the AZ MVD and they state they have not received an electronic lien release from GM.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
I filed complaint # XXXX with Consumer Financial Protection Bureau on XXXX XXXX, 2016. IN this complaint I indicated that I filed paperwork with the HAMP program with Rounpoint Mortgage Servicing Corporation , Inc., and received no reply. I also indicated that I had been working with other organizations and public assistance programs. On XXXX XXXX, 2016, I drove to the XXXX County Sheriff 's office with my fiance, XXXX XXXX, to file a complaint unrelated to this case, and was served foreclosure papers.

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 2016-05-28 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NJ

Complaint narrative:
I received a notification from XXXX stating that my credit score dropped from XXXX to XXXX. When I further investigated the matter, I found out on my own that Nissan stopped withdrawing my auto pay unbeknownst to me. Apparently, I am two months behind without any notice from Nissan. I believe that they are in direct violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MD

Complaint narrative:
On XX/XX/2016, my family came over to my place in XXXX, XXXX for dinner before I drive to XXXX. One of family members asked if she could use my computer to pay her Nissan bill. I allowed her to do so. Everything was fine until on the XXXX while I was driving on the hwy and need to put gas in my car. My debit card was not working, I noticed that the balance on my XXXX account was lower than it should be. I found that there were two unauthorized transactions on my account. After I asked XXXX [ my mother ] to add me as authorized user, I contacted Nissan as soon as possible and were asked to help them locate both XXXX and the vehicle before we could move on to the refund process. When we found the vehicle at one of the Nissan dealers in XXXX, I contacted the same Nissan employee to inquire about the refund but could n't get her to pick up the phone. I left many voice messages but she never returns my calls. I also reported to XXXX but Nissan told XXXX and me to give them 45 days but they never response to my complaint. 

I would like to point out that the vehicle was n't under my name and never authorized anyone to use my bank account to pay for the transactions. Nissan should have protected me and refund the money after my first call and should n't have asked me to help locate the vehicle or the person in the first place. 

These are the transactions info obtained from XXXX : 1. # XXXX XX/XX/2016 {$1200.00} [ this amount included {$20.00} XXXX fee ] * 2. # XXXX XXXX/XXXX/2016 {$1500.00} [ this amount included {$20.00} XXXX fee ] * I 'll deal with XXXX fees on my own, please exclude that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: DISCOVER BANK
State: MN

Complaint narrative:
Discover is stating the wrong current balance for my credit card. Please see attached screen shot. That math does not add up and discover owes me {$74.00} for the difference. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kinum, Inc., Indianapolis, IN Branch
State: MO

Complaint narrative:
My daughter 's father and i enrolled her together at XXXX daycare with the understanding that we split the bill ; this was also understood by the daycare. XXXX XXXX ( father of child ) discontinued payment in XXXX 2015 and XXXX XXXX XXXX did not notify me of this until XXXX 2015 ; i had continued to make my payments faithfully, ( i have all receipts. ) I was then contacted by XXXX, Inc ( at my job no less ) attempting to collect the debt that XXXX XXXX acquired. I told them upon first contact that it was his bill, not mine and not to contact me regarding this ever again. I then called the XXXX about it and the owner, XXXX, assured me that she submitted both our names and info. I just received ANOTHER call again, At my Job, today regarding this debit that is not mine. Not only had i already told them not to contact me again and they did, he was very unprofessional and rude, making statements that were inappropriate and acting like they were trying to get ahold of XXXX. Regadless, they are not following FDCPA federal laws at this collections agency. i have been in the industry and i know for a fact if someone says not to call again, you do n't call 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 2015-11-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: FM

Complaint narrative:
4 MONTHS AGO NISSAN DID NOT POST MY PAYMENT TO MYACCOUNT PROPERLY AND HAD REPORTED ME 30 DAYS LATE, SOLVEPROBLEM AND WAS TOLD THEY WOULD FIX THE LATE PAYMENTON MY CREDIT REPORT. NO LATE CHARGES WERE EVER POSTEDAND ACCOUNT IS UP TO DATECREDIT REPORTING OF LATE PAYMENT NEVER FIXED

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: CA

Complaint narrative:
I am attempting to negotiate a restructured or modified mortgage loan with my lender Rushmore Loan Management Services. Despite repeated calls to their loss mitigation department, it is impossible to get a human being on the phone to speak with me and no one returns my messages. I have not been assigned a designated point of contact, and they have moved forward with setting a sale date for my property. Rushmore recently sent out a denial letter, based apparently on documents I had sent in months earlier. They stated that I was denied for help due to lack of income, but the figures they were using were not current or correct. But it is impossible to speak with anyone about this so they just move forward with the foreclosure. 

I bought this home in 2008 with a conventional first mortgage through XXXX XXXX and a 2nd mortgage through XXXX with a 10 % down payment. About a year after buying the home problems began as I went through a divorce which hit me hard in the pocketbook due to child support for XXXX kids and legal costs.. A year later I got injured on the job ( I worked as an XXXX ) and ended up having to file through workers compensation in order to collect XXXX. Due to this interruption of income and lack of any reserves I eventually could not keep up and missed some payments on the loan. I began trying to resolve this matter with the original servicers, XXXX and XXXX a few years ago, but it literally took over a year to make any progress with them. They offered me a forbearance agreement that gave me a XXXX5 month break from payments. But then I had to go into applying for a modification through HAMP and this was time consuming and difficult. Eventually I was offered a streamline modification, but instead of offering payment relief this actually RAISED my monthly payment. I appreciated the fact that I had been offered help and did my best to make that monthly payment, but after a few months I defaulted. 

I am in the process of getting my XXXX reinstated in the state of California, and once I am able to go back to work full time doing this I will be back on my feet. To supplement my income I have rented out rooms in my home and have worked as a XXXX and also still receive my XXXX. I expect to be back working as an XXXX within the next year but am concerned that by that time Rushmore will have already foreclosed on my home. I want to save my home, and I expect for my loan servicer to communicate with me. I also have major concerns about the amount of late fees, Attorney fees , drive by inspection fees etc. It seems like Rushmore is charging me duplicate fees on the same day in many instances and I believe they may be taking advantage of me by piling all of this on so that they can write it off as a loss when they foreclose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: First National Collection Bureau, Inc.
State: CA

Complaint narrative:
Over the past year I received numerous letters regarding an alleged debt, In addition to phone calls. This company or individuals have been Continuously harassing me in regards to the alleged debt. In my attempt to put an end to these harassing letter I responded that I do not owe this individual or company any money. However, as soon as I responded to one company I receive a new Collection Letter but from different company but in the attempt to collect the same ALLEGED DEBT. I can not continue to respond to all these letters because it seems that this would be AN endless effort on my part

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I was divorced XX/XX/XXXX. XX/XX/XXXX at the time of separation from my ex, I did not have a job and missed XXXX mortgage payments. My ex later filed bankruptcy. XXXX, the original servicer, sent me all sorts of paperwork for resolution ... none of them were an appropriate option as either I could not qualify, or it would increase my payment. Once I started working, I set up auto payments through my bank. Never missing a payment, or being late since then. XXXX, after telling them my story continued to harass me in the form of false credit bureau reporting that I was consistently 3 months behind and charging late fees for several months which they did not remove, and additional monthly fees for inspection reports, etc. I wrote to them without resolve. They did NOT even respond to me!! 
Beginning XX/XX/XXXX, my loan was sold to a new lender and was also assigned a new servicer, Rushmore Loan Management. Now, I recently received an intent to foreclose notice and I have NOT even missed a payment with them. This has ruined my credit score and caused me much XXXX. The mortgage company has sent people out to my property taking pictures which I find not only inappropriate, but harrassing. They have NO reason to be doing this. My payments are timely and even though I do not have escrows, my Insurance and Taxes are ALWAYS paid on time. 
Please help me get this problem corrected. I would like all the late fees and inspection fees that I did not authorize removed from my account. Also, my loan is being reported now as over 90 days past due, which is NOT the case.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
I am a minority, single, XXXX woman in Bankruptcy Chapter XXXX and I was working with XXXX to modify the mortgage. XXXX either sold, owns, or is the servicer of the mortgage to XXXX XXXX XXXX / Rushmore address. I send a Qualified Written Request letter to all companies to find out who the real lender is. I am also challenging all the security deeds as they said that myself and my ex-husband XXXX XXXX executed them and that XXXX is out Attorney in Fact. The attorney for the Servicer who notified for regarding the Sale set for XX/XX/2017 id XXXX XXXX, XXXX at XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX. The Notice of the Sale and security Deed is XXXX as Nominee for XXXX XXXX XXXX, transferred to XXXX Investors. 
I spoke with XXXX representative and I told them that I was presently in Bankruptcy Chapter XXXX but wanted to do a modification and asked them to send me the paperwork. The representative said that would not be a problem and that they would work with me on modifying the mortgage. I also told her I wanted to make sure of the real owner the mortgage as XXXX send me another letter saying they are still the servicer. Then I received another letter that XXXX was and another that XXXX was. This IS very confusing and unethical! 
I never received the paperwork for the modification and then received a notice of from their attorney, XXXX. I replied to the attorney in XX/XX/XXXX and let him know I am in Bankruptcy as all their correspondence said they were a debt collector attempting to collect a debt. 
The next correspondence I received was a Foreclosure Sale set for XX/XX/XXXX in 3 weeks. I called the representation and explained again that I had never received the paperwork for the modification. She then told me it was too late to do a modification and that it was set for sale. I explained again that I am still in bankruptcy and she argued with me and said my bankruptcy was dismissed which it is not! I told her they could contact my attorney and he would tell them I am still in Bankruptcy. She said there was nothing she could do. 
I am still in Bankruptcy and it is active. My attorney 's name is XXXX paperwork and case number attached. 
The representative said I have 3 weeks to get my furniture and personal items out of my house or I would lose even my personal belongings! 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST GUARANTY MORTGAGE CORP
State: NY

Complaint narrative:
I have being in a dead lock process of refinancing my property with First Guaranty Mortgage Corporation for over 90 days. The company is stone walling me, locked me up in a rate that expired in XXXX 2015, then re-lock me with same rate for another 60days that will expire in XXXX 2015 ). All phone call communications and e-mail correspondences were not returned. Currently, I can not go to another financial company for assistance to refinance my property due to First Guaranty Mortgage Corporation holding on to my FHA number and not giving me information that I needed on my mortgage property tax ( XXXX ) in other to re-assign my re-finance loan to another financial mortgage institution.

Company response to consumer: Closed with monetary relief