vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Credit Karma, LLC
State: PA

Complaint narrative:
I
have been using Credit Karma for awhile now to get my credit report and help keep a eye on it it needed repaired and i have been working so hard on getting it back up agai  n, I want to say i 've used them for a few years now, they give you all your stuff thats reported on your credit report for free, good deal right!! NO, When you 1st log onto your accounts they have recommendations of loans, credit cards ect, I do have my own Credit cards, well i thought it was time to apply for another as my score has went up some and i 've been making on time payments for awhile now, so i go to the recommendations and i choose one, I apply i get turned down even tho it said my odds were good at getting approved for this card, this was last week, I go again today and i think I 'll try for one more card my odds were good again I get denied, Now they use everything in my credit report to give me these odds on approval rates, Now I have   XXXX   references on my credit report for credit based on their recommendations so now it will take a few years to get these off here, I do not pay for this service but i would like to please have this checked on, I do n't think they should be able to use it against me since i went on the advice of a company and took their word for it, They are sopost to give you good advice and this ended up not so good!
if you go to www.creditkarma.com with log in with my email  XXXX  password  XXXX  and check out the page it will clearly show you under recommendations which cards i have good approval odds for they are even still listing the cards i got denied for as good odds, even after being denied!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Who : Unknown. I do n't know who opened the credit card without my authorization What : Victoria Secret Credit Card Where : In  XXXX  Indiana When : The credit card was opened      XXXX   XXXX   XXXX   Why : Unknown How : It was opened electronically Company : Victoria Secret A Purchase : The purchase was made on   XXXX   XXXX   XXXX   Bala nce Accumulated : {$330.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
Company : Santander Consumer, USA Main address : Payment address :   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX     XXXX   XXXX  , TX  XXXX   XXXX , TX  XXXX  Phone :  XXXX  I am   XXXX   XXXX   XXXX   and am submitting this complaint regarding Santander Consumer USA. Although, I only indicated one area of concern above, there are actually three areas : ( 1 ) billing problems ; ( 2 ) problem with fee charges ; and ( 3 ) problem with interest rates.
<P/>
I purchased a vehicle (   XXXX   XXXX   XXXX   ) from    XXXX   XXXX   (  XXXX , VA ) in  XX/XX/XXXX  for {$21000.00}. The monthly payment is {$6 20.00}. As of today, (  XX/XX/XXXX  ), the payoff price is {$21000.00}, which is {$320.00} less than the purchase price and over 24 monthly payments. This in itself ( still owing this huge amount ) is extremely disconcerning and absolutely a predatory method to attain revenue from customers that may have challenging credit. I have conducted extensive research about Santander 's practices and I am not alone in this abhorrent situation.
<P/>
I have contacted the vendor on a myriad of occasions in hopes of potential compromise or other suitable approaches that can resolve the issue. However, Santander continue to respond that since it is a Simple Interest Loan and that is the only loan that they execute, there is nothing that can be done but continue to make the payments. At the present rate, the vehicle will have been paid at least 3-4 times more than what it is worth.
<P/>
It is with the aforementioned unbecoming, predatory and unrelenting practices that I submit this complaint about Santander. This company and similar companies should not be allow to exist! I sincerely hope that there is something that your agency can do. As a   XXXX   XXXX   employee, good credit standing is crucial and Santander 's actions is a primary I can be reached at :  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
My problem is with  Loan LLC . In  XX/XX/XXXX I paid two mortgage payments to  LoanCare s o that I can get advance my payments. In   XX/XX/XXXX   I pai d two  payments also ; I did n't know early payments was n't allow. I checked my payment histo ry one day to learn that the two  payments were returned to my account only they never put into my account. The payments were both {$620.00}. I talked to  LoanCare  about the money, and emailed them    XX/XX/XXXX  They told me to give t hem 5  business days. They said if I wrote about the same problem it will slow them down. It has been about 45 days now and I have not heard nothing about my money. If I had my money I could go on and pay the  one month I 'm behind. These people have made my credit  bad by reporting me for late payments and not paying on time. My payments were due in the  XXXX  and I was paying on the  XXXX . I was paying by money order when I first started paying and the  XXXX  money order was never cashed. I deposited that money order in  XXXX . They are the worst company to work with. My credit should never have been an issue, it was the company that had my money ; by right I 'm still a month ahead but they have harasse d about being two months behind ; although I 'm just one. They have sent me foreclosure letters. I have tried to apply   for Loan Modification and still nothing happened.

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 2017-06-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: WI

Complaint narrative:
On or around XX/XX/XXXX I contacted Cardmember Service @ XXXX to question how payments would be applied to my balance transfers ( I  have multiple ) because there was one that was set to expire XX/XX/XXXX ( approx.  balance of {$1600.00} ). The representative ( a women 's voice, but I did n't write it down ) stated that if I make a payment that it would pay off that balance transfer set to expire XX/XX/XXXX and anything above that would be applied to the balance transfer set to expire XX/XX/XXXX. I called today, XX/XX/XXXX ( after  reviewing my statement ) and realized this was not a true statement. I called Cardmember Service again and spoke to a women ( again I did n't catch her name ). She was telling me the same information and I continued to tell her that was not how the payment was applied. She needed to place me on hold twice before she stated that the way I was told the first time was incorrect and that if I made a payment more than the minimum anything above would be applied to the latest transfer I made and not the one set to expire. Had I been told that it XX/XX/XXXX I would have continued to make the minimum payment and made my larger payment once myXX/XX/XXXX transfer expired ( so they could charge me 10.24 % ). The lady stated there was nothing else she could do for me without me obtaining fees so she transferred me to a supervisor. Once the supervisor ( XXXX ) answered I needed to tell my story again and the only answer I received was that I could not have called in XX/XX/XXXX because it was not documented in their computer and I was never given miss information and he offered no help/solution. I work in XXXX XXXX and I am very familiar how this works. I stated that and told him I in fact called and was given information. He still offered no assistant other than because his computer stated I did n't that I could not have called and received this information.

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 2017-06-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Integrated Recovery Services
State: TX

Complaint narrative:
Re : Inte grated Recovery Services On  XXXX / XXXX /  XXXX   I received  a call & voicemail f rom a  XXXX  stating that I had a case in their office ( did n't specify what kind of case ) and said that in order to not be served  by constable I  needed to contact the office. When I returned the call a woman answered and said that my phone number was associated with an account in their office under  XXXX   XXXX  which I confirmed that I was the person calling. Prior to letting me know that it was an attempt to collect a debt or even mentioning anything about what it was regarding, she asked me to verify my social security number. I then explained that I did not want to confirm my social security without knowing what this case was regarding. She then started yelling at me and stating that I had an attitude with her, which I did n't, and said that if I did n't confirm my information, she could not speak with me and would notify the company "   XXXX   XXXX   XXXX   '' that I had admitted to stealing the money so that I could be served with paper work, however, those words never came out of my mouth as I did not know what the case was even regarding, she then hung up and said that she did n't have time. I then called back thinking that another person would speak with someone else and again she answered and said that she did n't have time to speak with me, I mentioned that I had never said that statement and wanted to know why an employee from this supposed company was speaking to me in the way that she was and yelling at me. She responded that it was because I was not being an " adult '' and did n't want to confirm my confidential demographics and again said that she did not have time and hung on me for the second time. I called again an asked for her name which she said her name was "  XXXX  ''  ( u nsure if it was legitimate ) and said that I could do whatever I wanted and again hung up. The only reason that I called was to find out more information on what it was regarding prior to confirming my social security and again, they never mentioned that they were calling from a debt collector. I did not appreciate how this woman spoke to me as she was super unprofessional and it is not a way to settle an agreement. Also, not to mention, I have yet to receive ANY correspondence from them regarding this matter. All I received was a phone call earlier today during work hours. If indeed I have an account in their office, I do not know why an employee would threaten to tell another company something that I never said. If harassment is their why of intimidating people, it 's not the key.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
I first contact ed Navient via fax and mail on  XX/XX/XXXX  sta ting that I was missi ng 9 payments in all from  XX/XX/XXXX  and  XX/XX/XXXX . Finally  on   XX/XX/XXXX  I  received a letter fro m Navient asking me to supply them bank information regarding the payments I made. They wanted me to obtain the Electronic Funds Transfer ( EFT ) numbers of payments and the address to which the payments were sent so that they can research my account.. All the information was faxed and mailed to them on XX/XX/XXXX . I wrote and m ailed another letter asking for a status update on   XX/XX/XXXX and ne ver heard back. I called customer service o n XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX   XX/XX/XXXX  and   XX/XX/XXXX . Was alwa ys told that it was still in review I could never get a supervisor or anyone from upper management on the phone. I have filled a complaint with the Federal Trade Commission and the BBB. The amount of missing payment and the outstanding interest is more than enough to pay off this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Met with  XXXX  "  XXXX  ''  XXXX  personal banker a t Wells Fargo   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , Fl. Phone #  XXXX . Went to the bank to get a  XXXX  stamp to make an assignment of a loan to a mutual fund. I was told that I could not get the stamp because the owner of the assignment was not a bank client. I was told th at Wells Fargo could not stamp the document because the person is not known to the bank. This transaction was the purchase of a car, Wells Fargo do es advertise this service to the public and does not state that it is only for bank clients.

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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I had identity theft over 7 years ago, and had a detective submit information to XXXX XXXX on acct in Ohio. XXXX XXXX then sold the acct to XXXX XXXX XXXX, who keeps putting it on my acct over and over again. I give documentation from police and Equifax removes from Credit report temporarily after a 30 to 45 day investigation. then about few months later, they throw it back on my credit report again and again. Then Equifax says due to XXXX XXXX changing the original date and lying, they have to redo the investigation for another 30-45 days each time. This acct is over 7 years old and fraud acct, so no reason to ruin my credit score and chance at credit for a fraudulent over 7 year old acct. I have plead with them everytime to just not put back on my acct and they keep doing it over and over and helping XXXX XXXX collection agency. This is not fair credit reporting and I am so mad about it. I will go to media and get lawyer if this does n't get straightened out by Equifax. I have been patient for over 7 years and now its getting to be repetitive behavior with no heart to how they affect people 's lives or chance at credit. I pay my bills that belong to me on time and not fair to be punished over lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Case numbers :  XXXX   XXXX   XXXX  QWR and Debt Validation was not addressed and no financial documents were given to me from my request.     The Notice of Rescission of notice of default  XXXX   XXXX ,  XXXX , was not addressed at all from my request.     The  XXXX   XXXX ,  XXXX  TILA rescission is an event that happen I am not asking them to consider.  XXXX   XXXX ,  XXXX  " effective upon mailing '' No answers to any question to in my written request and they are late in the response also.      XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I filed a report last year to remove a debt in collection because I did not owe the debt. I contacted the collection agency and all credit reporting agencies. The debt was subsequently removed.   XXXX   XXXX   and the big  XXXX  credit agencies allowed the debt to reappear with a new debt thus re aging a debt that I do not owe and putting me in the same situation as a year ago requesting the debt to be removed from my credit.

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 2017-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I filed a report last year to remove a debt in collection because I did not owe the debt. I contacted the collection agency and all credit reporting agencies. The debt was subsequently removed.   XXXX   XXXX   and the big  XXXX  credit agencies allowed the debt to reappear with a new debt thus re aging a debt that I do not owe and putting me in the same situation as a year ago requesting the debt to be removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Continental Services Group, Inc. d/b/a ConServe
State: NV

Complaint narrative:
This involves the  XXXX   XXXX   XXXX    XXXX   (   XXXX   ). I enrolled to receive an estimate of the schooling cost and wanted to start college. I was enrolling for financial aid and got approved, but the money NEVER transferred to my account. It seemed no one at the school knew how to resolve my issue so I disenrolled from the school and the classes. Then the school called me and told me I owed money for classes I disenrolled from because the disenrollment date had passed before I dropped them. I refuted them for the charge because I should n't owe money for absolutely nothing. I was told I would get help to resolve the issue but no one ever called with further information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
This is in regards to loans that I had to put on forbearance and deferment during schooling and difficult financial periods. Navient is charging me an extra XXXX of interest. They say that when I agreed to the deferments and forbearance, they were able to capitalize the interest and the extra interest they get to collect from me. My original loan amounts were {$25000.00}. They now want {$35000.00}. This equates to about 27 % interest in top of my original amount. Not ok!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I would like to know why  XXXX   XXXX  is still employed at wells fargo. It was proven she lied about me harassing her in the   XXXX   XXXX   location  XXXX   XXXX . And she keeps on having her family members harass my son and spread false accusations about him and me.  XXXX   XXXX  has never been able to stop harassing me and my son, she keeps coming around us even though she do n't live across  the street f rom us anymore. If me and my son harass her so much why is she coming around me. Why does  XXXX   XXXX  keep getting protected and it was bias why wells fargo closed my checking account, because  XXXX   XXXX  influenced them to do so. And how   XXXX   XXXX   sent me a threatening letter tell me I harassed their district  manager. Her  husband  XXXX   XXXX  nearly hit me while I was cutting my grass he when he was backing up in  his drive  way.  XXXX   XXXX  has slandered my name all through wells fargo looked at my personal information and telling it to her family. She wants to keep coming around me and falsely accusing me of harassing her.

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