vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: American First Finance, Inc.
State: SD

Complaint narrative:
When I was making the never report any payment to the credit bureau then when the public health issue started then I lost income and tried to settle account with them for the amount that I had, they have denied the offer for the settlement. After all they report as write off and put my credit score to negative status and then I have paid off the account and they still not able to update the credit score with paid in full status but with paid/charged. I c ok considered this is not fair report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: STATE FARM BANK, FSB
State: TN

Complaint narrative:
I have a {$710.00} amount that is showing up on my statement as past Unpaid amount. I have sent four emails with a request for an itemized statement for those charges. I have asked for the dates, amount and why to no avail. I keep getting short answers that does not answer my questions. Its like some one do not want to take the time to get me the info. If they cant provide me an itemized statement, they need to remove those charges. 

Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: NAVY FEDERAL CREDIT UNION

Complaint narrative:
The NAVY FEDERAL CREDIT UNION is advertising helping during this Pandemic by giving personal loans to help their members through the Pandemic crisis, however, when you apply its a regular loan application and naturally, theres only selective members that get approved. I have owned for home in the XXXX for several years but can't use it as collateral because there are no credit bureaus here with which to report it. And I was told by three banks here that they do no business with American Credit Bureaus, so what is a person to do? I have three direct deposits every month with Navy Federal, VA XXXX, Social Security Retirement and an Annuity from the Federal Government so there should be no question of my ability to repay a small loan. I think its somewhat discriminating for them to approve some people when they boast about helping Veterans when this is a untrue statement. They should say they help Veterans if you are already well off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: ProCollect, Inc.
State: TX

Complaint narrative:
In XX/XX/2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.

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 2020-06-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: ME

Complaint narrative:
XX/XX/XXXX My wife and I purchased a relatively new, but used car, a XXXX XXXX XXXX, It was our first nice vehicle and we made this decision in anticipation of a cross country move. I had just enlisted in my first XXXX XXXX contract with the XXXX and we were moving from XXXX  to my duty station in XXXX. We were excited and figured this vehicle would last and be reliable and safe for our XXXX year old daughter. 

XXXX - XXXX The vehicle proceeded to have issues with the transmission multiple times and only one was covered by warranty. In the wake of a XXXX, multiple training events and preparing for a XXXX we started to struggle a bit financially, and we did have some late payments, but we corrected them with the lender. 

In XXXX, XXXX  XXXX, due to new mechanical issues and a growing family we wanted to trade the vehicle in for something more reliable, something we didn't expect to have to do, however negative equity on the vehicle did not allow for this, and instead had to finance a second vehicle ( different lender ) and it was a major financial strain to make two vehicle payments, especially when this XXXX was nearly inoperable due to the transmission. So we negotiated a voluntary repossession with the local XXXX dealer who understood the situation and would deal with Ally ( creditor/lender ) The account was charged off and the account froze at the 50 percent we still owed. 
Ally has been somewhat fair, in not ever putting the account in collections, however there has been a fresh charge off every month since, and has significantly impacted my attempts at correcting my credit scores, since the struggle my family and I had experiences while I was in the military. 

I have disputed them through all 3 bureaus, and they did delete some history, but Ally have still affected my growth and history each month, since most recent charge off is dated for XX/XX/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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Somebody deposited a fraudulent check in my bank account, I reported this to the bank and began a fraud investigation. They even stated that the individual went to a teller. This was not me so I agreed to close the account due to fraud. They stated that the accounts would need to remain closed with their institution and that It was being resolved. 4 years later while attempting to refinance an auto loan this debt shows on XXXX  although it doesnt show on any credit report inquiry before now. I attempted to contact Bank of America and was unable to get through to the right department even after visiting a branch I was told to just call. According to the report it is two separate accounts in the amounts of {$5100.00} & {$280.00} which I am not responsible for.

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 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
In XXXX of 2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX XXXX years prior and had never been paid on. The debt has been sold to several companies. 

I reached out to each debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. All responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

None adhered to any of my requests and instead they all sent me a bill to pay for the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
In XXXX of 2020, I found out that I had become a victim of identity theft. After being denied for a credit card, I saw a collection account on my credit report. The account had been opened with XXXX years prior and let the account go negative resulting in it going to collections. 

I reached out to the debt collection agency and provided them with a letter notifying them that my identity had been stolen and that I would need the account to be removed. They responded stating that the debt was mine. I followed up by requesting that they provide me with any statements, payment slips, records of phone numbers that were used to activate the account, original contracts with my signature and a summary of their investigation to validate that the debt was mine. Alongside that, I requested that they notify the original creditor that the account was the result of identity theft and that the stop reporting the account to the credit agencies. 

They did not adhere to any of my requests and instead sent me a bill to pay for the collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
The company in question is Chase Card Services, XXXX XXXX XXXX, XXXX, DE. XXXX My credit card expired in XXXX. The replacement card was either not sent or was returned due to my private mailbox closing on account of the COVID-19 crisis. ( The Chase phone jockeys have given me conflicting information as to which it was. ) Because I was in isolation and not checking my mailbox, I only found out that the replacement card had not arrived in late XXXX. On XX/XX/XXXX, I called Chase to inform them of this, and was told that the replacement card would arrive within five business days. When the five business days had passed, on XX/XX/XXXX, the replacement card had not arrived. I called Chase to inform them of this. I was asked if I wanted a second replacement card sent by overnight mail, and assured it would arrive the next day. I agreed, on the assumption that it would be a second replacement cardnot a new account number. The next day, XX/XX/XXXX, the original replacement card, with the original account number, arrived. But when I called to activate it, I was told I could not do so because of my call the previous day, and that I had to wait for the second replacement card. 

The second replacement card only arrived four days later, XXXX XXXXand with a different account number. I refuse activate the new account. I have had the old account number since the early XXXX, and it is on file at countless places where I do business. Having to change it at every one of those will create endless chaos in my lifeand it is completely gratuitous : the original replacement card actually arrived BEFORE the new one, and has been in my possession since XX/XX/XXXX. 

Additionally, the notion that my call of XX/XX/XXXX alerting them that the first replacement card had not arrived meant that a new account had to be created is contradicted by the fact that I had PRECISELY THE SAME EXCHANGE ON XXXX XXXX the replacement card resulting from that call was with the original account number. 

My account was not deactivated with my informed consent. I demand that my original card number be reactivated immediately. As of today, XX/XX/XXXX, it has been in my possession for 10 days. I have been without a working credit card since XXXX. This is an absurd situation, and I am not accepting it. 

Yours, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX   XXXX  XXXX XXXX U S DEPT OF EDXXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, DEPT OF ED/XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Inquiries : XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
In XXXX of this year, I discovered that my identity had been stolen. A credit card was opened in my name in 2017 and had been charged off. I notified all credit bureaus letting them know that my identity had been stolen and that the account was not mine. They refused to block the account and stated that the account had been verified by the creditor. 

I asked if they could provide proof of how they verified the account but the disregarded that claim and just stated that it was verified. Afterwards, I reached out directly to the creditor and notified them that I had been a victim of identity theft and that the card was opened in my name. Upon requesting that they provide me with a contract showing that the debt is mine, as well as showing what method they used to verify the debt, they ignored me and continue to state that the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My Equifax Credit Report shows an account from " XXXX XXXX '' that was allegedly opened on XX/XX/XXXX, with a balance due of {$5800.00}, and was charged off on XX/XX/XXXX. I have disputed this account myself on multiple occasions with both XXXX XXXX XXXX XXXX, and Equifax. The account previously appeared on XXXX   and XXXX  ; however, when I disputed it, they removed the account. XXXX  has not removed the account and has not reported my dispute as required by law. 

I have never had a credit card with XXXX  or XXXX XXXX XXXX XXXX. I am presently an authorized user on my mother 's credit card with XXXX XXXX, however that card has a $ 35,000+ limit. The account referenced here is not mine. It may have been one of my husbands, but I was not on the account, and neither XXXX nor XXXX  can prove that I was responsible for the account. If I am not responsible for the account, a derogatory mark may not appear on my report, because it would be a violation of law.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
Consumer Collection Management, Inc. | XXXX. XXXX  XXXX XXXX XXXX  XXXX, MO XXXX XXXX XXXX XXXX toll free : XXXX | XXXX Trying to collect more then owned to original debtor Acc # XXXX Original {$1400.00} They trying to collect {$1800.00} My XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX Phone : ( XXXX ) XXXX Send me to collection after they offered to increase my monthly payment from {$150.00} to more right after I got unemployed furloughed due to Covid -19 .And they sold me to collection for {$400.00} more Shameful

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
XXXX ; The people at your agency closed the complaint, claim that Bank of America responded but you never bothered to send me their response. Calling you " XXXX  '' would be insulting to XXXX, because they are smarter than you are. What was the response? Bank of America 's gross negligence was largely responsible for the loss of {$120000.00}.

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 2020-06-16 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
For almost 7 months I have contacted American Express to fix an issue to where they are not applying for my payments according to the terms of the agreement. Every month they have stated that they would take care of the issue, however, they never have. This is not a new issue and they are not blind to the fact that it is happening unless it is willful blindness. I make more than the minimum payment every month but they do not break the payments up according to the contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: TX

Complaint narrative:
I have had been sending half payments every two weeks {$320.00} and {$400.00} for about five months XXXX XX/XX/XXXX, XXXX XXXX  called and told us not to send anymore partial payment. From now on to send full payment and that she would be sending back the {$320.00} dollars .Never got the {$320.00} back .So I called in to make full payment .They said, this account was not taking payments and was locked .Soon after that I got a letter from a lawyer, that there going to foreclose on my hose. They said I would a mod. loan in thirty days, and a case manager would, never called. I called that day, they said he was not able to talk .They put another appointment for XX/XX/XXXX to talk to me. I think their just killing time, days. To make me fall farther behind on my mortgage. I called them, where is the money, I have sent, they said that the money was set on another account because it was not a full payment, now they say that I need to send them {$4400.00} before XX/XX/2020 and that would put me back on track. Then I could make my regular payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of this year, I discovered that my identity had been stolen. A credit card was opened in my name in 2017 and had been charged off. I notified all credit bureaus letting them know that my identity had been stolen and that the account was not mine. They refused to block the account and stated that the account had been verified by the creditor. 

I asked if they could provide proof of how they verified the account but the disregarded that claim and just stated that it was verified. Afterwards, I reached out directly to the creditor and notified them that I had been a victim of identity theft and that the card was opened in my name. Upon requesting that they provide me with a contract showing that the debt is mine, as well as showing what method they used to verify the debt, they ignored me and continue to state that the debt was mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In XXXX of this year, I discovered that my identity had been stolen. A credit card was opened in my name in 2017 and had been charged off. I notified all credit bureaus letting them know that my identity had been stolen and that the account was not mine. They refused to block the account and stated that the account had been verified by the creditor. 

I asked if they could provide proof of how they verified the account but the disregarded that claim and just stated that it was verified. Afterwards, I reached out directly to the creditor and notified them that I had been a victim of identity theft and that the card was opened in my name. Upon requesting that they provide me with a contract showing that the debt is mine, as well as showing what method they used to verify the debt, they ignored me and continue to state that the debt was mine.

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 2020-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Student Loan Financial Assistance
State: NV

Complaint narrative:
I received a call from SLFA ( Student Loan Financial Assistance ) who stared they could take over my defaulted loan and lower my payment. They laid out a payment plan that would work for me and asked me to send in document to get everything started. They indicated that I was accepted into the program and asked for the first payment of XXXX which they automatically took out of my account and said my first payment would be due in XXXX. They also stated an advisor would contact me. I havent heard anything since although Ive attempted to contact them multiple times via phone and email. I saved the emails that I received from them.

Company response to consumer: Closed with explanation