vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: American First Finance, Inc.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX..I called American first finance to confirm the amount owed for furniture/oven ... .then I asked my concerning question..since you are automatically drafting my payment each month ..will my payments be equivalent to the amount owed..and the coustomer service rep..answered yes ...

Now I pulled my report and it states that I owe..what I started out with for both merchandise ... 1st total was $ XXXX..paid out {$840.00} 2nd total was $ XXXX..paid out XXXX 
Now it's back to the original amounts I financed ... this is robbery ... that's why I asked the rep would it be equivalent to the amount owed..I never missed a payment..please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
On XX/XX/2020 we refinanced our home mortgage.The new mortgage company paid off the previous mortgage with Bank of America on XX/XX/XXXX. We have not received the $ XXXX balance refund from our BofA escrow account. I have called numerous times and waited on hold for approximately 7 hours in total. The last person I spoke with said they had mailed the check  on XXXX XXXX. We have not received it. I asked if the money could be sent to our Bank of America checking account instead but was told it had to be a mailed check. Our mail has been unreliable lately and it seems we will never get the money we are owed. Bank of America does not return calls they promise to return nor have they responded to the emails I have sent through their online site other than to say someone will be back in touch within a few days. They never are. I tried to set up an appointment to go into a branch or have someone to call me but their system will not allow me to make either type of appointment.

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 2020-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
Hello, without prior notice, the Chase bank closed my account on XX/XX/2020, I have called the bank on numerous occasions and they tell me that they do not have a specific answer for me, it is disrespectful that they do not inform them that it is what is happening, they only say that my account was closed and I can never open an account with them, everything is fine in my account, balance, I do not use checks, this bank is the worst

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem while selling or giving up the vehicle
Company: Consumer Portfolio Services, Inc.
State: CA

Complaint narrative:
Good morning, Im writing this to bring light and hopefully some financial relief from what I believe is a companys gross incompetence or at worst a scam to take advantage of their customers.

The business in questio

n CPS ( Consumer Portfolio Services ). Let me give you the details. In 2015 I was unemployed and stayed in contact with CPS during that time. They seemed to be willing to work with me until I received new employment. I signed a Loan extension agreement pushing my missed payment to the back of the loan. 

In XX/XX/2015 I was hired. I sent a copy of my offer letter to CPS to let them know payment would soon restart. They asked me to send two payments to show good faith and to catch up with some of the back payments.

I sent 1 payment of {$500.00} on XX/XX/2015via their website using XXXX ( see attached ) I sent a 2nd payment of {$500.00} 2 weeks later on XX/XX/2015 via their website ( see attached ) Here is where things went crazy. 

In XX/XX/2015 my car was burglarized, some homeless people broke the back window along with other vehicles in the parking lot that night and stole my laptop bag that contained the laptop issued to me from my new employer.

I was asked to file a police report by my employer. While at the police station filing the report the car was towed away. Now I had just spent 90 mins with a police officer filing the report ; he mentioned nothing to me about there being any issues with my car that would have it towed.

My next thought was maybe there was some confusion at CPS maybe the department that handles repossessions was notified and should not have been. When I reached out to the tow company they told me that CPS had already picked up the car.

I reached out to the person Id been working with at CPS on XX/XX/XXXX XXXX XXXX a

sking what was going on and why they had the car. I was told to call and number and speak to a woman about the car. I
called the number and was told that I could have the car back for {$1800.00}. I told the women that day I dont have {$1800.00} It was at this point I assumed that CPS wanted the car back and that it was being repossessed even though I had done what they asked me to do.

2 years later CPS comes back to sue me saying that I stop making payments. At the time I had no proof to tell this story. It wasnt until I went back through all my emails and found my last payment receipts that prove that I was making payments before they repossessed that car.
Today they are garnishing my check for {$600.00} per month for a car they say I owe XXXX. 

Im not sure what anyone can do, but please help me. I really do believe that they are predatory and would do anything to get over on the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This complaint is a formal dispute in accordance with the Fair Credit Reporting Act ( FCRA ). Upon review of my credit report, I have found that there are several inaccurate and unverified items. These have negatively impacted my ability to receive credit and have provided unnecessary embarrassment and inconvenience. As I am sure you are aware, it is my right, according to Section 609 of the FCRA, to request a proper investigation into these inaccuracies. In particular, I am referencing Section 609 ( c ) ( B ) ( iii ), which lists the right of a consumer to dispute information in the file of the consumer under the model summary of the rights of consumers. As such, the following are  items I wish to dispute on my credit report : XXXX XXXX   XXXX, XXXX   XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX   XXXX, XXXX XXXX. XXXX XXXX  XXXX As stated in the FCRA, you are required to respond to my dispute within 30 days of receipt of this letter. If you fail to offer a response, all disputed information must be deleted. I thank you in advance for your prompt response and resolution of this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
HI, i'm not sure what's going on, but it's been more than 90 days and the company and credit bureaus/reporting agencies failed to send me the results for the investigation. The student loan still reports incomplete, and unverifiable information. There are so many inconsistencies getting reported between the 3 credit reporting agencies. I don't want to waste my time or anyone else time. I need this removed from my credit report. Please delete!

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 2020-10-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Greetings, I have been sending letters to the credit bureaus to rectify and / or eliminate some accounts, I have sent letters since XXXX and I have not received any response from the credit bureaus Experian, XXXX, XXXX. I demand that they give me an answer corresponding to all the letters previously sent. I have sent letters consecutively from XX/XX/2020 to XX/XX/2020. Below I attach the letters sent to the bureaus. 
The company response was that they needed to verify my personal information, I sent all the documents to verify.

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 2020-10-21 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: JPMORGAN CHASE & CO.
State: AZ

Complaint narrative:
I have been using my Amazon Rewards card since 2009 and have been a faithful customer. XXXX day I noticed there were a few purchases on the Amazon Chase Awards card that neither my husband nor I made. Next, I told both Amazon and Chase about the purchases. I received no response until a couple of weeks later a new card arrived in the mail. I contacted them and said I did not want the new card and they said they thought it was best as I had reported identity theft on it.

When I went to my account ( s ) as the first card was still being used by me and I did not activate the second card I discovered that my Rewards were all gone and I had about 5000 of them on the old card. 

When I purchased something I noticed that sometimes it would go on the new card and sometimes it would go on the old card. 

When I went online to pay the bill sometimes the old number would come up and some-times the new number came up, but I could not access the two accounts with the same sign in.

I contacted Chase and a foreigner, XXXX, talked to me, whom I could barely understand. She asked me if I was calling about my Southwest card! I said no and that I was calling about my Amazon Rewards cards. She told me I had no Amazon Rewards cards???????

I hung up. I did not give her any numbers of the cards or anything like that.

When calling about the Amazon cards I always used the numbers that were on the back of the cards, which were the same number. 

I then tried to tell Amazon about the situation and they told me to call Chase and that they could not help me.

I do not know what to do at this point. I do not know which card to pay, how to pay it, if it is in fact Chase I would be paying or if it is a hacker.

You will see by the files I uploaded that one purchase was one card number and another purchase wanted the other card number. 

Please help me. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A delinquent debt with XXXX XXXX  XXXX that has been paid off since XX/XX/2020 and the credit bureau has not updated its records or deleted the debt per the agreement with the creditor. The creditor sent the discharge of debt over to them on XX/XX/2020 after the payment cleared and it has been 90 days and the credit bureau still has not done its due diligence and is not in direct violation of my rights under the FCRA & FDCA. I have contacted the bureau by phone, website and mail and they still refuse to update my credit report.

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 2020-10-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I settled a debt with XXXX  XXXX which works with chase I believe, I was making payments on time and there was an issue with my job so I called to scheduled a payment later than what they had said and they agreed but not only that, they were charging triple and I had already made payments before but they couldnt see it on their report. When I was going to make the payment on the date that I had told them, I no longer could make the payment. I tried contacting chase but said my account was not found. I also to date I have not received letters from them stating my new balance or anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I check my credit profile on Experian regularly due to having been a victim of fraud in the past. I checked my Experian info. on Monday morning XX/XX/20. No problem. When I returned home at night, I checked my info, it said Experian updated my new email address. I didn't add a new email address. So I went to Experians website to log in and it said it didn't recognize my user id and password. And just like that, here I am again. I can't access my own information on Experian. I tried to freeze my account, and it said it couldn't do that. So I froze my account using XXXX  and XXXX. I did this on XX/XX/20. They have people you can talk to when you call, not Experian. So I locked my credit and froze my accounts using XXXX  and XXXX  and can not access my account on Experian. All of the phone numbers at Experian lead to nowhere ... .no human contact. No help available. Using XXXX  XXXX XXXX, I can't even pull my credit report for Experian.

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 2020-10-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I believe that NFCU is using an automated mortgage application process to steer customers into the loan type in which they make the most money in fees rather than for us to choose the loan type we want. We requested a VA StreamLine Refinance application but were steered into a Conventional Loan type at the end of the application process which took approximately one hour online. As a XXXX Veteran with a VA loan already in place on the property, I wanted to do the VA Streamline loan because it would save us time and money on the loan. Although we requested a VA Streamline Refinance Loan, the automated application process is set up so that it determines which loan type it presents to you. NOWHERE ON THE ONLINE LOAN APPLICATION DID IT ALLOW US TO PICK THE VA STREAMLINE LOAN REFINANCE. It did not give us the choice to choose the VA Loan at the beginning or end of the application process.

When we called to make a complaint to NFCU, the Mortgage Loan Officer assigned to the Loan told us that she had to re-assign the loan to another officer and that we had to fill out a different application and go through the loan process again because the loan number was different. When we asked to speak to a Supervisor about the loan application, we were told that we would get a Conventional Loan Officer not a VA Loan Officer and it would be a day or two before the Conventional Loan Officer would call back. We asked why not the VA Loan Officer and we were told because it is a Conventional Loan.

As further proof of what I call '' steering the consumer into the loan type NFCU decides for you '' is a call to us from XXXX XXXX, Resolution Officer with NFCU who confirmed to me that the system does automatically choose the loan type for you. 

My complaint is that the lack of transparency in the loan process upfront with it being programmed to choose for the consumer the loan type and no option to choose the VA Loan after spending an hour filling the form is a sneaky way of steering consumers into the type of loan in which they make the most fees. That appears to be a type of fraud.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: GA

Complaint narrative:
I had a PayPal debit card. I didnt have a bank account at the time. So I had my first stimulus check deposited ( XXXX ) on there and everything was fine. I used my card, withdrew money etc. Well months later I file for unemployment and get a significant return. So I send a friend of mine XXXX or so because I want to help him out. Well I then get an email saying PayPal is going to have to part ways and theyre going to hold my money for 6 months or more. Then I talk to my friend and he said they did the same thing to him!! Keep in mind neither of us have used XXXX  or anything. Theres no one to refund or anything. So long story short Im trying to get my money back. We needed it desperately. We will never use PayPal again we promise!! I have screenshots of all the transactions and more!! I dont understand why they closed the accounts and they never gave an explanation. In fact, most of the responses are automatically generated. Also when you try and call and they say theyre transferring you to a rep but it immediately hangs up. You cant get in touch with anyone. Ive been trying for months. I googled this issue and theres tons of horror stories like mine. Its awful. Thank you. 

Also I contacted Ga Dept of Labor and they sent me whats called a XXXX card so my payments are now going to that praise god, however theres over XXXX just sitting in PayPal. Screenshots are attached!! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: Auto Trakk, LLC
State: OH

Complaint narrative:
On XX/XX/XXXX, I was involved in a Hit and Run Accident. The car that I was making payments on via Auto Trakk was deemed a total loss. My insurance company XXXX XXXX has been working with Auto Trakk on my bebalf and has been aiming to pay off the remaining of the lease as well as all title fees. Auto Trakk has stated that they can not give a Payoff Letter or amount until they get the check. Which is false according to my agreement which XXXX XXXX has a copy of. The belief is they are trying to get the whole amount and return no funds to me. They have failed to give either me or my insurance company an accurate amount in order to buy the lease and pay off title. The only form of documentation they have given was that they would accept payment was which is the letter of Guarantee. The amount that my car insurance company was attempting to pay was {$6200.00} I believe. My insurance company cancelled the check they were going to issue as payment for fear they ( Auto trakk ) would not give me the difference. I only had 34 payments left on the car in which I was paying {$87.00} weekly. My insurance company recommended I contact you all with a complaint because Auto Trakks answers and business is unprofessional and sketchy. We ( My insurance company and myself ) are trying to simply get the car paid off so that I can get a new car. Yet it feels that since my accident I have had to jump thru hoops and suffer for something I did not do. Bad enough I struggle daily due to my injuries from the accident. I should not have to struggle with paying off a vehicle that is totaled due to Auto Trakks greed and unprofessionalism.

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