vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was the victim of grand larceny by false pretenses ( DA XXXX Country Criminal Complaint #  XXXX XXXX XXXX, Chief of Criminal Complaint Unit XXXX ). On XX/XX/XXXX I transferred {$9000.00} - all the money I have - from my Chase Bank account in XXXX XXXX, California to a Chase Bank account in XXXX County, New York. I realized it was a scam and called Chase Fraud Division at XXXX XXXX  EST XX/XX/XXXX, when the funds were in the beneficiaries account but had not been withdrawn. ( Chase Fraud Prevention Department XXXX XXXX x XXXX Case No XXXX. ) I have been in daily contact with XXXX and they have told me daily the recall is in process but they needed to contact the beneficiaries on the account to ask them to send back the funds to me. Legally this was the procedure they had to follow. 

Today, on XX/XX/XXXX, I called Chase Fraud Department and was told that the beneficiary had contacted XXXX on XX/XX/XXXX, after 10 days of Chase leaving messages and sending demand letters for them ( a female and a male are account holders ) to contact the bank. She apparently told them that she would think about authorizing the funds to be returned to me. Then the male holder of the account called back to say they would not authorize the return of funds. I am now assuming, even with all evidence of fraud, that Chase is releasing the funds to these people who are under criminal investigation. 

Chase claimed that they are no exceptions to this rule that the funds can only be returned with permission of the account beneficiary. However, there are exceptions when a wire transfer can be reversed, in the event of a fraud or erroneous wire transfer, and provided the money on the recipient side has not been disbursed. This money was not disbursed before Chase was made fully aware that this was fraud. I called Chase Fraud Investigation Dept on XX/XX/XXXX before the recipients has a chance to remove the money. They have known this is a case of fraud for 10 days. On the day XX/XX/XXXX that the beneficiaries made contact with the bank, so did XXXX County DAs Office contact Chase Fraud Division and inform them they were starting an investigation and subpoenaed the account holders bank statements for the past 6 months. 

Chase writes that In this case, both the banks would have to agree that the transaction was a fraudulent ( or in error ) and it will be reversed, minus any charges, etc. that may have occurred on the transaction network ( e.g. XXXX, etc. ).

Chase IS the only bank involved, had plenty of evidence this was fraud, and yet it has released the funds. They have supported and abetted a fraudulent action and chosen to do NOTHING to help, me a Chase customer and victim of a scam which has resulted in me losing every penny I have. I am a single mother with a daughter at college and this is financially devastating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
I have a online payday installment loan with Big Picture loan for {$1300.00}. I have an 398 % interest rate. I was told there would be {$180.00} finance charge but I wasn't old that it would be per payment and that I would end up paying thousands in interest. I tried to go looking at my document but the only ones that I can see are the payment schedule and how little my payment is going to the principal. The loan scheduled payments goes for 12 months. I clicked on the pay in full button after paying on my loan since XX/XX/XXXX and my payoff is larger than my loan amount {$1300.00}.

I am unable to make my payment due to medical bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: TN

Complaint narrative:
I disputed an account with the credit reporting agencies about an account I see on my credit report. they claimed the account was verified and when asked how it was verified the credit bureau said " we take their word for it '' complete disbelief when I heard this. so I contacted the collection agency ( XXXX XXXX XXXX  ) my self and asked for physical proof the account was mine. a contract with my signature on it, photo id used to show proof that I was me opening the account and any other identifying information used to show it was actually me. the lady claimed they don't need that nowadays to open an account. so I asked did she not find nothing wrong with that? she said that's how they do it nowadays. that's also how identity theft occurs. nobody wants to get or see physical proof of the person who is wanting to obtain goods, they just let anybody use anybody 's 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 explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OH

Complaint narrative:
I have been working in non-profits for 9 years now, and it turns out that my payments on my students loans for most of that time were not eligible for the Public Service Loan Forgiveness program, because I was on a 20-year payment plan rather than the 10-year or the Income Driven. However, had I been doing the Income Driven, I would have been paying even less than I was at the time. In fact, when I did switch to the Income Driven system, my payments were {$0.00}. So I could have had over 100 of my 120 required payments completed, but I only have 35 on paper. Here are the issues here : -Inadequate communication of the PSLF program. Most people who qualify for this probably don't even know it exists. I found out about it, pursued it, submitted a form that stated that I was applying 5 years worth of payments toward it, and at no time was I notified that those payments hadn't counted. I found out that I only had 35 payments counted toward the 120 because I was looking up how many more months I had to go -- only to find I have 7 more years!

-Inflexibility of the program. I was working with XXXX XXXX, and I kept asking them who I can appeal to, and they said there is no one. I find this very frustrating. The whole point of the PSLF bill was to encourage and reward people who went into student debt in order to pursue a career that serves the community but doesn't pay well. I was a XXXX XXXX XXXX for five years and now I've been a XXXX XXXX for five more. And I was making little enough that I could have easily been on the Income-Driven program during that whole time. Why is there no appeals process that can make my previous payments count toward the loan forgiveness program?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
Rushmore has not provided the breakdown of all the payments from the loan as requested the payoff amount they just sent is {$55000.00} higher than the foreclosure judgement amount and this is not the escrow taxes or insurance payments there is no explanation as to the additional costs and it is not included in the judgement award Rushmore to give me the accurate records requested. They denied my modification CLAIMING THAT IT WAS NOT RECEIVED IN A FAIR AMOUNT OF TIME YET THE REJECTION WAS BECAUSE THEY SAID THEY DO NOT DO MODIFICATIONS FOR LOANS IN DEFAULT THE AMOUNT OF TIME MY LOAN IS IN DEFAULT FOR. THEY HAVE BEEN ABUSIVE WHEN I REQUEST INFORMATION I WAS TOLD THAT I SHOULDNT HAVE BEEN SO FAR IN DEFAULT. THAT IF I HAD MADE MY PAYMENTS I WOULDNT BE IN THIS SITUATION AND THERE IS NOTHING I CAN DO THAT IS WHAT I OWE IF I DONT PAY IT THE HOUSE WILL BE SOLD Rushmore does NOT RESPOND TO THE ALLEGATIONS THEY RESPOND TO OTHER ISSUES. 

THE JUDGEMENT AMOUNT AND PAYOFF AMOUNT ARE LEGALLY SUPPOSED TO BE THE SAME BUT THEY ARE NOT AND IT IS NOT LAWYERS FEES INSURANCE PROPERTY COSTS TAXES OR ESCROW THOSE AMOUNTS I AM AWARE OF IT IS THE ADDITIONAL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
American Express on the card number ending XXXX charged an annual interest rate of 29.99 % on a balance of $ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Company accessing my credit report without my consent and also charging fees for using their ATM Machine

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 2018-07-13 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
To Whom It may concern, I XXXX XXXX, would like to formally complain about my mortgage servicer Select Porfolio Services. I submitted my complete application for mortgage assistance about 2 months. I keep following up and I speak to many people seems that no one knows whats going on. They've been give me the run around transferring me all over the place. Finally today, they told me theres no time to review and that I hand a sale date set for XX/XX/2018. As you can see, I've been bounced around given wrong information not just by rep but by managers. They then said that my case was handled wrong and that he was sorry but that my house will go for sale. I explain that I have a family and that we are going to be in the street but he did show any sympathy towards my situation. I stated to him that I do not want to lose my home that's all we have and that I will be thrown out with my family and no place to stay. I don't understand why they would ignore my application all this time. I am currently back on my feet and ready to pay my mortgage all I'm asking is a fair review and for my sale date be postponed so they can get a chance to review my package and review my current situation with no excuses. If this does not go anywhere I am going to seek legal advice to see if I can sue my mortgage company. Please, help me I do not want to be thrown out on the street with my family. 
Yours truly, XXXX 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 2018-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
Bank of America- XX/XX/2018- Check Fraud Dear Dispute Center In the month of XX/XX/XXXX I was actively looking for employment through various outlets indeed, XXXX, XXXX, and ect. In the month of XX/XX/XXXX I finally received a text from an employer regarding a posting position for a real estate firm. Attached to this letter you will see the following information. I posted different properties onto XXXX, XXXX XXXX, and a few ads. In order for me to receive payment the employer requested my address and other information to process a check. Once I sent him the information he supplied me with a tracking number to receive my funds. Once the check arrived I contacted the bank that the check was made out to XXXX XXXX XXXX bank over 20x. Attached to this letter you will see the highlighted contact number of XXXX XXXX XXXX bank on my phone records. I have contacted both the local branch here in XXXX XXXX, NV { ( XXXX ) XXXX attached to this letter is also a print out of the XXXX XXXX XXXX XXXX XXXX branch contact number }. After contacting the branch a representative supplied me with the check verification line number at ( XXXX ) XXXX which I contacted over 20x and each time I was told that the funds were there and available. After getting the verification from the check verification line I even went into the branch located on XXXX and XXXX in XXXX XXXX, NV with both the envelope that the check came in and the check and told the clerk the situation. She told me not to worry about it and proceeded to deposit the check. 

Best, XXXX XXXX ( 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 2018-07-13 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: MO

Complaint narrative:
I SUBMITTED PAPERWORK TO EQUIFAX AND XXXX A NUMBER OF OCCASIONS. XXXX  DELETED IT AND THEN PUT IT BACK. THEY KEEP TELLING ME ITS BEEN VERIFIED, WHICH IS IN CORRECT. THE THIRD PARTY VENDOR THAT THEY CLAIM TO HAVE VERIFIED DOES NOT HAVE INFORMATION ON ME BECAUSE I HAVE OPT OUT, THEY CAN NOT VERIFY ANY INFORMATION ON ME. SO IF IT CAN NOT BE VERIFIED THEY HAVE TO DELETE IT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I contacted XXXX XXXX which is reporting a collection acct to all XXXX credit bureaus on XX/XX/18 requesting debt validation and also inquiring why multiple companies are attempting to collect on the same debt. After 30 days with no response or acknowledgement I sent a second request for status on my debt validation letter. I still received nothing from XXXX XXXX. On XX/XX/2018 I received a letter from Resurgent Capital with a copy of credit card bills. My FDCPA rights were violated as I did not receive proper/accurate debt validation as well as it was not within the 30 days. I have submitted numerous request to the company as well as the credit bureaus attempting to resolve this issue with no luck.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Lender : Carrington Mortgage Services www.carringtonms.com XXXX. XXXX  XXXX XXXX, IN XXXX Phone : XXXX Fax : XXXX For the past 6 months I've been in the process of paying extra money on the account for the sole purpose finishing off the loan. Lender only allows you to pay up to {$9900.00} online per day. So every 4 times month since XX/XX/XXXX I begin to send payments online. Every time I sent money there wasn't any problems from the lender to place payments directly into principal portion of account. Problems began after XX/XX/XXXX, after Lender received its regular monthly payment, taking out interest, principal and escrow. I made another payment on XX/XX/XXXX. Here lender took out another payment for itself of interest and escrow. Up to this date everything was fine with account, customer service stated it would take 15 days to move the money back from interest and escrow to principal. On XX/XX/XXXX money has not been added back to the account under principal. When calling customer service, there claim is that don't see anything on their computer screen. But when you look at the company account website, problem is still posted as money not returned to account. On XX/XX/XXXX regular payment plus additional to principal wasn't a problem. Payment XX/XX/XXXX additional money was added to account, went straight to principal again not a problem. Payment XX/XX/XXXX same as previous day, not a problem. Problem began on XX/XX/XXXX when account was about to be paid in full, after you add escrow to account and the extra interest charge on XX/XX/XXXX statement from XX/XX/XXXX of {$250.00}. Carrington took the last payment of {$9300.00} and split it 7 times on XX/XX/XXXX. Carrington took interest payments 7 times and 7 times of escrow payments from 1 days extra payment after receiving regular monthly payment. Customer service blames me the customer for paying down debt on the loan. Carrington website doesn't allow you to allocate money directly to principal after regular monthly payment has been received. But does allow you to add money. I've been actively paying down debt since XX/XX/XXXX, making about 4-5 extra payments a month. Carrington always applied extra money directly to principal, until the loan was about to be paid off. Customer service told me that my account was extended to XX/XX/XXXX. All in the name of paying them interest on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I received a call from a local number on XX/XX/XXXX ( XXXX ) stating they were XXXX XXXX and that I had an affidavit against me and I needed to call XXXX extension XXXX and reference case XXXX. I called the number and the person on the phone ( XXXX XXXX ) did not transfer me but took the case number saying he would transfer me to the correct person. He stated my current address, email, date of birth and social security number in full. He continued to tell me that he was working for a law office ( XXXX XXXX XXXX ) that was just trying to get information on the account to see if it was worth pursuing. He claimed I had a debt from XX/XX/XXXX with Huntington Bank in the amount of {$830.00}. He said that they sent me a letter and that I did not respond. I did not receive a letter because it was at a previous address that I did not reside at the time they sent. He continued to tell me that if I refused to pay that they would sue me for the amount of {$2500.00} for interest and damages. He pressured me into paying a settlement amount of XXXX. He also said they were part of a credit reporting program that would put a freeze on all of my accounts once he entered my information into the system. He did not say that there was any type of legal or court ordered action to do this. I asked for a verification of debt and he put me on hold to send me an email ( from : XXXX ) with an attachment that had a verification of debt that does not seem legitimate. I asked if there was a local office I could talk to someone in person. He told me that he was in California and that their other office was in New York. The address on the verification of debt was for XXXX, TX. I told him that I wasn't refusing to pay but that I needed to seek legal counsel. He said that he would give me 24 hours or that it would be considered a refusal to pay. I told him that I was not refusing to pay again and that I would seek legal counsel. He told me to call him back within 24 hours at a different number ( XXXX ). I could not find any information on the actual law office and the address and lawyer ( XXXX XXXX ) in Texas does not exist. I believe this to be a fraudalent collection and my legal counsel confirmed that I should file a report with the FTC on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Company accessing my credit report without my consent and also charging fees for using their ATM Machine

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-13 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XX/XX/XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XX/XX/XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.

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 2018-07-13 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
This is actually my second complaint against the Credit Reporting Agencies this year. I placed a dispute in as I am victim of Identity theft in XX/XX/XXXX via the mail and I received no response. I then went forth to upload direct into the CRA and sent the dispute via fax at the end of XX/XX/XXXX. The dispute was submitted with supporting documents on the basis of Fair Credit Reporting Act, Section 605b which states that a victim of identity theft that has accounts breached or established without proper authorization or benefit should be blocked in 4 days. I have attached the supporting documents to this complaint entry.

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 2018-07-13 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
On XX/XX/18 I paid the debt of {$87.00}, although I have no written request to pay the debt from the collection company or original collector. My only knowledge of this debt is because of the derogatory mark it has left on my credit report. I called the collection company both before paying the debt and afterwards requesting that they delete the account from the credit report and rudely and relatively I was told that no such arrangement was available. This is an aggressive company in their policy that they will not delete the account completely after my request to see a written document expressing the debt as mine, and furthermore would not agree to delete the account from my credit report after I paid the debt to simply get it off of my records.

Company response to consumer: Closed with explanation