vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
My spouse and i went to XXXX of XXXX to purchase a new vehicle. We were already low on cash and hi on bills. The duo salesteam talked us into some wrong deal where i was supposed to be the primary and my spouse the secondary because i qualified for the first time buyers credit since our fica scores wouldnt allow the loan. The literally said to us ... let us fudge the numbers. Came back but used my pay on my spouses name to make it go. Then lied and put her as the primary and still used my 1st time buyers credit. Add to that after 4 months repoed car since the XXXX/ month loan we couldnt afford didnt get paid on time. Sold car at auction for XXXX leaving XXXX left due. But placed XXXX left owed on MY credit. Illegal loan to begin with. Loan sharks at best. Exeter finance corp .

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I use the XXXX XXXX which works by connecting to my credit cards. XXXX works by seting aside my spare change From credit card charges as I go about my day with Round-Ups to the neareast dollar of all credit charges I make. Its been a super easy way for my family to save money and we are now up to a little over {$3000.00} dollars in just over a year which is hugely helpful to my family. 

This week I was notified that my XXXX XXXX MasterCard membership card will no longer allow external accounts like XXXX to connect to my account. I think I should be the one who decides who has access or who can externally connect to my credit card accounts. By XXXX XXXX  no longer allowing me to conect my XXXX XXXX MasterCard credit card which I want to once again connect with XXXX my family will be severely hurt. 

Again XXXX is critical savings tool to my family, so Im asking you to demand that XXXX XXXX once again allow me to externally connect my XXXX XXXX Credit card to external accounts and especially XXXX. 

Sincerely, XXXX 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 with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
Payment is less than 30 days late. Ally financial calls me 3 times a day every single day demanding immediate payment. One payment due. 19 days late. Calls start at 5 days late and never stop no matter how many times I tell them they will have their money before the next payment is due. No payment has been 30 days late.

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 2018-09-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Ocwen always denies my modification? I cant afford my payments, everytime that i call to check status on the application an this being every other day, they give the round around an there is always a doc missing from my end all though they say if I call one day they say package is complete and on another day that they realize i missed a paper, till I get tired and dont complete the process, this is after 2 1/2 month trying

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
On Friday, XX/XX/XXXX XXXX XXXX ( ET ) I contacted XXXX XXXX   about a XXXX Credit Card issue on my account pertaining to interest charges below : As of XX/XX/XXXX I owed {$700.00}. 

Then they charged me four interest fees : XX/XX/XXXX = {$340.00} XX/XX/XXXX = {$340.00} XX/XX/XXXX = {$1.00} XX/XX/XXXX = {$760.00} Total interest charges were $ {$1400.00}?? 

There is NO way this is correct, can you please get this corrected? 

Message I received from them : " From : Comenity Bank Sent : Friday, XX/XX/XXXX XXXX XXXX ( ET ) To : You Subject : Re : Annual Percentage Rate Message ID:XXXX Thank you for your recent inquiry to our Customer Care Department . 
XXXX XXXX issues your account and responds to all credit related inquiries. 

We've received your information and it's currently being reviewed. For future disputes if you would like to be protected under the Fair Credit Billing Act your dispute would need to be in writing. Please refer to the back of your statement for additional information. Please be assured that we will work diligently to resolve your issue. Upon completion of our investigation, we will notify you of our findings. While we investigate whether or not there has been an error, we will not try to collect the amount in question or report you as delinquent on that amount. We appreciate your patience while we are conducting our investigation. 

We hope this information is helpful. For the security of your account information, we ask if there are any follow up or further questions you have related to this concern, that you submit them by logging into your account and utilize the " Contact Us '' link. 

Sincerely, XXXX XXXX ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-17 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.

Complaint narrative:
What happened? 
Dear Sir /Madam My name is XXXX XXXX XXXX XXXX based in  XXXX , XXXX Citizen, Father of XXXX XXXX ( XXXX ), who was a XXXX at XXXX University , XXXX , ( year XX/XX/XXXXto XX/XX/XXXX ). I am a XXXX XXXX ( now retired ) worked for XXXX .XXXX for forty years. Salle Mae gave XXXX a loan of {$210000.00} in the year XXXX and of which {$200000.00} has been already paid off without any break for the last 9 years. But Navient which took over from Salle Mae is still demanding XXXX more ( presumably interest- simple mathematics ) which is too much to pay after settling the capital almost. Secondly our guarantor Mr. XXXX XXXX, US citizen based in XXXX, should be released from his role as a co-signer, otherwise, his daughter will not get a student loan to go to university this XXXX and her future carrier will be in jeopardy. As per Salle Mae, if a client has made 12 payments uninterrupted, we could request the co-signer to be removed from the contract. We made multiples of 12 uninterrupted payments over the last 9 years. Since we took the loan in XXXX now the whole family financial situation has completely changed. Though XXXX qualified from XXXX in XXXX she could not find a suitable job in the USA to pay off her student loan. She was very disappointed and came back to the XXXX and could not get a job in the XXXX either. Last XXXX She got married in XXXX and settled there. She has found a suitable job in XXXX but the salary will not be enough to pay off the student loan and also consider the exchange rate.in XXXX Rupees As for me I am retired from my job as a XXXX in XXXX on XX/XX/XXXX and is a pensioner and I am still paying her loan with great difficulty. I feel now that since I retired my income has gone down considerably land I am solely depending on my pension only. Besides my wife is very ill with XXXX and on XXXX and I look after her 24/7 alone. I want the monthly payment amount reduced considerably.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
On XXXX XX/XX/2018, I opened a BMO Harris Smart Advantage checking account. I opened the account online, which stated that the relevant promotional code would be " automatically applied '' if I " applied online now ''. This wording still persists on their website : https : //www.bmoharris.comXXXX Per the terms of my promotion at that time, I was to receive a {$200.00} bonus after ( 1 ) making two direct deposits of {$500.00} or more within 90 days of opening the account, and ( 2 ) ten debit card transactions posting to the account within 90 days of opening the account.

I am eligible for the bonus : - Both of the two direct deposits of {$500.00} posted on XXXX XX/XX/2018. 
- All ten of the debit card transactions posted on XXXX XX/XX/2018. 
- 120 days have passed since opening the account. 

I have attempted to resolve this myself several times : - I spoke with a representative on Monday, XX/XX/2018. I was told to call back at the end of the week. 
- I spoke with a representative on Friday, XX/XX/2018. I was told to call back at the end of the week.

- I spoke with a representative on Monday, XX/XX/2018. I was told that the promotional code may not have been attached to my account. I told them that their website said it was automatically applied, but the representative insisted this did not matter. I was repeatedly asked for this automatically-attached promotional code ( which I eventually did find in an old email ). 

I was also told different terms for the bonus ( saying I needed {$600.00} direct deposits instead of {$500.00} ). I was told there was no qualifying activity on my account when this was clearly not true. In short, I felt like the representative was just saying whatever she could to get me to acquiesce. 

I have met the terms set forth in the opening promotion for this BMO Harris checking account, and as such I am eligible for the {$200.00} bonus. BMO Harris is engaging in deceptive business practices by refusing to honor their own terms.

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 2018-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
There is an unauthorized hard inquiry on my credit report on XX/XX/2017 from XXXX/National Credit Cards/Airlines. When I called the number to dispute it, they were very rude and said they would not remove it. I could not get it removed from XXXX, as they said I had to call XXXX XXXX. I was stuck in a circle.

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 2018-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Westlake Services, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX I entered into an agreement to pay a monthly amount on an old bad debt for a reposessed automobile with Westlake Financial ( located in California ). 

Original loan # XXXX Original last name on loan ; Word I have faithfully paid on this debt, some months more than the agreed to minimum. 

I have been trying for several months to get an account statement showing what the balance owed is, IF ANY, as I believe this debt should now be paid in full after all these years of paying. 

I have called and requested the account statement, I have used Westlake 's online customer contact form, I have emailed.

In about 6 months time I have had 1 person reply, asking me for additional information and then stating she sent my request to the appropriate department. This response was from a XXXX XXXX on XX/XX/XXXX. 

I still have nothing from this company. 

I believe this company is fraudlently collecting my payments and refusing to send me an account statement so that I won't know the debt is paid in full. 

I notified them in writing again today that I still need a response and that until its received I am now holding all payments in a savings account. 

Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Porsche Financial Services, Inc.
State: NJ

Complaint narrative:
Repeated calls between XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: VA

Complaint narrative:
Navient took over my loan servicing a couple years ago. For the last two months they significantly increased the amount they withdrew from my account without notification. My repayment, which was on an automatic repayment schedule, increased from {$76.00} to {$300.00}. This dramatically affected my monthly budget which was already well planned due to XXXX kids. 

When I called and asked why my repayment shifted so dramatically, they did not address my questions. I was ahead on my payments. I paid on time. But they effectively changed the terms of my loan and violated the promissory note. Had I continued to repay the loan under the new payment {$300.00}, it would have been paid off sooner than the agreement stipulated. They offered no reason for failing to notify me of changes to my repayment plan. 

They were unable to explain why my payments increased, given this was a flat rate loan repayment program over a fixed term.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2018 Santander Bank removed without notifying me {$3400.00}. Seems someone claimed that they sent funds into the wrong account. Seems to me that anyone can make a claim of doing this but can they show proof. Seems that the banks do not demand some proof of this. Thereby creating a back door for scamming and thief. 
i have gone into my hangouts account and have printed a portion of my conversation with XXXX XXXX showing that the funds were sent to the account specified and to me. I have added those pages to this complaint. One must remember that there is no way to print out a conversation or partial conversation for hangouts. One must copy and past to XXXX or a writing  software. 

The individual to call and confirm is XXXX XXXX her phone number is XXXX It is a XXXX number. Seems the funds were put into Ms. XXXX XXXX 's XXXX account.

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 2018-09-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Auto Now Financial Services, Inc., Phoenix, AZ Branch
State: CT

Complaint narrative:
I've been trying to make payments on my car, the car dealership who financed me isn't allowing me to do so causing interest to accumulate. I have also been getting charged {$90.00} added to my account for not having full coverage insurance when I do have full coverage insurance.So During this process my car was stolen and now the dealership won't even return my calls after I reported it stolen they made it clear they were going after the insurance check. The company auto now financial is responsible.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: General Motors Financial Company, Inc.
State: PA

Complaint narrative:
I purchased a vehicle in XX/XX/2014 through GM Financial. I received my first bill in XX/XX/2014 with a due date of XX/XX/2014. I made my payment timely but was then contacted and told my account was delinquent and I had a payment due on XX/XX/2014, and the XX/XX/2014, was my second payment due. I contacted GM Financial and explained to them that I never received a bill for XX/XX/2014 and the XX/XX/2014 was the first one I received which I paid on time. They told me I was delinquent and had to pay the XXXX payment. I told them it was not my error but theirs and I intended to make my payments on time starting with the one I just made and that they should just consider that Payment 1 since that was the first one they billed  me for. They insisted I make the XXXX payment. I told them if I could pay a double payment I'd have bought a more expensive car. I made 3 phone calls trying to resolve this and spoke to supervisors but I got the same response. They insisted I make the payment even though it was their mistake. I finally sent them a letter saying I would continue making my payments timely but I could not and would not make the payment they failed to bill me for. I have now made my 60 payments, every one of them on time, and they still have a balance due because they charged me a late fee every month plus interest. They have also now reported it as late to my credit reports, which they did not do until I made all of my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Called Equifax toDAY TO TRY TO RESOLVE A PROBLEM ON MY CREDIT REPORT ABOUT THEM REINSERTING A ( XXXX-charge off ) THAT THEY REMOVED AFTER A INVESTIGATION THEY DID TO REMOVE THE ITEM. 
RECENTLY I FOUND AN ITEM ON MY CREDIT REPORT THAT WAS RE-INSERTED INTO MY CREDIT FILE. YOU ARE REQUIRED TO NOTIFY ME WITHIN ( 5 ) FIVXXXX DAYS OF RE-INSERTING A PREVIOUSLY DELETED ITEM. I DID NOT RECIEVE ANY SUCH NOTIFICATION.. PLEASE DELETE THIS ITEM IMMEDIATELY ( XXXX-ChargeOff ). 
That account is associated with the fraudulent address they removed. I tried to explain that to the rep and he was very very rude and really did not care about what i had to say. I spoke to him XX/XX/2018 around XXXX Eastern time. Nobody needs to be rude to anyone when it is not called for. I think Equifax noted my account that allows them to be rude to me personaly

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Waypoint Resource Group, LLC
State: NC

Complaint narrative:
On XX/XX/2018 Waypoint Resource group placed an account on my credit report ( XXXX and XXXX ) for an account that does not belong to me. I have never received any documentation or letters from them. The original creditor is XXXX/XXXX in Florida. 
On XX/XX/XXXX I called Waypoint Resource group and spoke with a person by the name of XXXX. When I provided her my name and social security number she stated it didn't match. I never had a bill or balance with this creditor. She spoke with her manager and advised that I could call back later in the week to find out a status for the account.

We ended the call and 10 minutes later they called me back. They kept asking for the wrong person. I advised them that there is no one by that name. They abruptly hung up and continued to call. They never left a voice mail message or any information. 
They are borderline harassing. They have the wrong person for this debt with incorrect information. Check behind this company as they purchased bad debt and trying to collect on it from the wrong people.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: ERC
State: IN

Complaint narrative:
ERC had contacted an acquaintance of mine, stating that they were calling from XXXX XXXX, left their name, a reference number and return phone number, enabling this person to look this information up via internet and discover what this call was about. To my knowledge, I have not received any calls or messages from this company. They violated my privacy and personal information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-17 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My wife and I turned in an application for a mortgage loan at BBVA Compass Bank on XX/XX/2018 and was told a loan officer would contact us to help us figure out which type of loan would be best for us to apply for. On XX/XX/2018 I received alerts from XXXX that the bank had ran my credit. I expected some form of communication from the loan officer. He never called or emailed us one time, yet ran the hard inquiries on our credit and denied us the loan, stating delinquencies on credit report. I have no delinquencies on my credit report. We then talked to the local bank manager later in the week to see if the loan officer would at least speak with us one time. We were told he would call us but he never did. We then called BBVA Compass corporate office on XX/XX/2018 and was told to call the Alabama Department of Banking. When we called the DOB, they said to email them what happened and that they would take the hard inquires off our credit since the loan officer did not even contact us one time, nor do we even know which type of loan he applied us for. We were told we would be hearing from them soon but it's been a week. We want to know why the loan officer refused to communicate with us. We want to know why this happened and why our application was looked over and if factors such as XXXX and low income played a factor in the loan officer 's refusal to communicate with us and take our application seriously. We believe we at least have a right to know which type of loan the loan officer applied for. We would like BBVA Compass Bank to know that we strongly believe we were treated very unfairly throughout the mortgage application process, and that we will seek legal counsel to find out information such as the type of loan the loan officer applied for, if need be.

Company response to consumer: Closed with explanation