vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-18 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was instructed to transfer money to JP Morgan/Chase. I explain below how they have failed to do their due diligence and have engaged with a company that is involved in suspicious activities that include potential money laundering and fraud. 

I was the victim of a sophisticated investment scam by a company calling themselves XXXX XXXX XXXX. I see postings that they are a scam all over the internet. I received text messages and engaged with them online from my home in the United States. I made three payments to them by means of international wire transfer. 

When I transferred my money to XXXX XXXX XXXX, I thought that I was going to be investing. What I did not know is that XXXX XXXX XXXX was a scam and completely unregulated. Therefore, I did not actually receive any investment services whatsoever as they never put my funds in a brokerage account for me as I was expecting. All that I received was an online simulation.

I was also a victim of JP Morgan/Chase because they should never have engaged with XXXX XXXX XXXX and their owner XXXX  XXXX XXXX. If they had done due diligence with their client, obtained KYC documents and followed anti-money laundering laws, they would have realized XXXX  XXXX XXXX was a scam. My attorney has sent a letter to JP Morgan/Chase ( see attached ), detailing all of the above and more, to which they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: Idaho Housing And Finance Association
State: TX

Complaint narrative:
I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : HOL-HomeLoanServ XXXX Date : Fri, XX/XX/2020 at XXXX XXXX Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : HomeLoanServ XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I HomeLoanServ XXXX XXXX XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX Notify XXXX Sent : Monday, XX/XX/2020 XXXX XXXX  To : HOL-HomeLoanServ XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My XXXX account was hacked and a charge was made for $ XXXX dollars through my bank account ( SPARK -- Capital One ) ACH draft set up in my amazon account. I called my bank, and alerted them to the fraud. They refunded the fee and blocked the charge. I kept a very low amount of money in that account after noticing the fraud so drafts would not go through and I would be aware of unauthorized activity. XXXX tried to process the charge 1 month later to that account, which was blocked as there was not enough funds in the account. I was charged a rejected check charge which I tried to get them to take off since it was due to fraud. They claimed they could not refund it ( {$9.00} ) because they had refunded the same fraud charge a month before even though it was for the same fraud charge that was trying to withdraw. I talked with XXXX XXXX XX/XX/18 @ XXXX mst.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Caliber Home Loans, Inc.
State: FL

Complaint narrative:
Two undisclosed or explained checks were sent to me as part of the overages in the original mortgage account. The checks were made to creditors that have accounts at {$0.00}. The checks can not be cashed by me and the company refuses to issue new checks. 

The company is Caliber Home Loans. They are not willing to correct the checks. 

Two checks written, one for {$1000.00} and the second for {$630.00}. 

Both to accounts that are at a {$0.00} balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I'm was unaware of this account and did not have the opportunity to dispute, please remove from my credit profile as you are in violation of the Fair Credit Act. In addition, please provide the following : Assignment of debt Method of Verification Validation of Debt Also, please all parties involved in an investigations of verification. 

Here are the account that are not mine : XXXX XXXX XXXX   # XXXX XXXX XXXX XXXX # XXXX 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 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BSI Financial Holdings, Inc.
State: GA

Complaint narrative:
BSI refuses to send me the loan payoff that was used to payoff this mortgage. I want to insure that they sent the correct escrow refund. I have called emailed and called twice over the past 3 weeks. On XX/XX/2020 when I called they kept me on hold for 30 minutes then an automated message said they have so many calls that they can't answer and to leave my phone number and they will call back. That was 29 hours ago and they haven ' called back. I refinanced this mortgage so we would no longer have to deal with this loan servicing company and this is the last thing I want from them. Also, they do not have a real-time system so if something changes on your account you can't verify it without calling them and their wait times are unacceptable long. This was before COVID-19 so they can't use that as an excuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: TCF NATIONAL BANK
State: UT

Complaint narrative:
My username and password has changed somehow so I can't make a payment. I try to reset my username and password but the website is asking for information I don't know or don't have in order to do it. So, I try to call them and I'm put on eternal hold and can't get through to an actual person. Meanwhile, I'm 2 months behind and have absolutely no way of paying my loan payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Forthright Funding Corporation
State: TX

Complaint narrative:
Forthright Funding continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive " URGENT VETERANS AFFAIR INFORMATION '' mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.

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 2020-09-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: VA

Complaint narrative:
In XXXX, my husband and I took out loans for school in Pennsylvania. After many deferments and transfers from one service provider to another we ended up with PHEAA/AES as our service provider. Since then, we have filed bankruptcy two times and the student loans are still owed. However there are many problems with this. They show the  disbursement date is XXXX. That is a mistake. We relocated to Virginia in XXXX. The disbursement date wouldve been XXXX or XXXX. Since the government has placed into law that student loan payments and interest would be on hold until the end of XXXX, AES started sending letters that we were past due in XXXX. I dont understand how this is possible if this is a federal student loan. Now the government states we dont have to pay loans until XXXX XXXX AES is still attempting to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: GVA Holdings, LLC
State: MN

Complaint narrative:
Good Morning, I fell victim to a payday loan scam through : Bright Lending, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MT XXXX. XXXX, XXXX XXXX XX/XX/2020 I was borrowed {$800.00}. I didn't realize what I had agreed to until after the loan was approved and I was given the payment schedule. I am now to pay, in 22 installments of {$200.00} each paycheck, {$4400.00}. That is a 699.9856 % interest rate. I've just learned that the maximum amount APR in the state of Minnesota is 390 %. I don't understand how any of this is legal to begin with. {$400.00} per month over the next year may very well bankrupt me. Thank you for any help you may provide. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Equinox Home Financing, Inc.
State: TX

Complaint narrative:
Equinox Home Financing Inc. continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive " No out of pocket expenses ; Minimum score of XXXX '' mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On or about XX/XX/XXXX, I made my XXXX mortgage payment to Bank of America Home Loans through the Bank of America mobile app, as I have done for the past 3 years I have had this loan. In the past, transferring the exact amount of the payment from a Bank of America checking account automatically makes the payment. 

However, presumably because of a system change at the bank, the payment was applied to Principal curtailment. The Bank did not inform me that their system change would remove this mechanism for a customer to make his/her monthly payment. Therefore, I made my XXXX mortgage payment as usual, by transferring the exact amount of the payment from my Bank of America checking account. 

On or about XX/XX/XXXX, I happened to notice that the amount I paid was sent to Principal Curtailment, when, out of abundance of caution, I checked my account online. 

On XX/XX/XXXX, I called Bank of America Home Loans customer number and, after waiting on hold for more than an hour, asked them to please change the payment from Principal Curtailment to the XXXX payment. The representative acknowledged I would have had no way of knowing that the bank 's payment protocols had changed such that I could not make my payment the way I had regularly done in the past. She said the bank would apply the payment as I had intended, and that I could check that it was done via online banking. ( She said I could use XXXX going forward, which is, in my opinion, a significantly less convenient way for the customer to make his/her regular payments. ) On XX/XX/XXXX, I noticed the payment had still not been applied, so I called Bank of America Home Loans again. As with the previous call, I waited more than 1 hour on hold. When I was finally connected to a representative, the representative informed me that requests take up to 3 business days to process, so I could expect the change to be made by end of day Tuesday. She said she would email 3 people to ask them to make the change, to make sure it would be done. I also sent a secure message through online banking which has not yet received a response. 

As of today, Friday, XX/XX/XXXX, the change still has not been made. 

In the case of poor mortgage servicing practices and non-responsiveness on the part of the servicer, the customer is captive and unable to take his/her business elsewhere. 

I respectfully request that Bank of America fulfill this simple, straightforward request and change my payment from Principal Curtailment to the XXXX payment and improve their poor customer service going forward. 

Thank you.

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 2020-09-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : XXXX-XXXX XXXX Date : Fri, XX/XX/2020 at XXXX XXXX  Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : XXXX XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I XXXX XXXX XXXX XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX XXXX   XXXX Sent : Monday, XX/XX/2020 XXXX XXXX  To : XXXX-XXXX  XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen

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 2020-09-18 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am super frustrated, this is my 3rd complaint. Take action Please. I purchased a home using XXXX XXXX, they provided Down Payment Assistance tthru Texas-see attached page. I was aware it would be recorded as a second lien, I was not aware it would be reported as an open debt that never goes down, it is affecting my credit rating downward, I was told by a lender that it reports like a collection, just an unpaid bill. I contacted the servicer and they have just ignored the situation. I need this loan dismissed as paid in full or removed from the credit bureaus with no derogatory remarks. I am so frustrated I thought I should just start paying it off, nope they make that also super hard. I can't use their website to pay safely and when it's convenient. Nope I need to call them and work pout some arrangement. The first mortgage is actually a mortgage, this second lien reporting is ruining my credit, I never agreed to this, there was no disclosures regarding  any credit reporting of this second lien. My latest correspondence, rest assured it is still on my credit report. 

From : XXXX-XXXX XXXX Date : Fri, XX/XX/2020 at XXXX XXXX Subject : RE : Borrower Connection Contact Email From XXXX XXXX . Loan # : XXXX. Subject : MakingAPayment To : XXXX XXXX Hello, The only way to make a payment on this smaller second deferred loan is to pay over the phone with customer service at XXXX or to send a check with the loan number to the address : XXXX XXXX XXXX  XXXX XXXX, ID XXXX Make sure your loan number, your property address, and your phone number are listed on the check. 









XXXX XXXX | Customer Service Rep I XXXX XXXX XXXX  XXXX, XXXX, ID XXXX Phone XXXX or XXXX XXXX From : XXXX XXXX   XXXX Sent : Monday, XX/XX/2020 XXXX XXXX To : XXXX-XXXX XXXX Subject : Borrower Connection Contact Email From XXXX XXXX. Loan # : XXXX. Subject : MakingAPayment Name : XXXX XXXX Email : XXXX Selected Loan Number : XXXX All Loan Numbers : XXXX, XXXX Subject : MakingAPayment Message : I want the ability to pay towards the second mortgage online, please make it happen

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 2020-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
The bank that issues my credit card placed incorrect information on my credit report in the 'Remarks ' section and sent that information to all 3 credit bureaus. On my XXXX XXXX report, this error was recorded on XXXX. The incorrect information had a negative affect my credit score. 

Someone at the credit card co. was careless with the information on my account and placed information on my credit report, in error, that I was disputing the account. The truth of the matter is that the only dispute I had on my account was with a hardware store purchase that I used my credit card to pay for the online purchase. 

To make matters worse, I spoke with a supervisor at the credit card XXXX who apparently lied to me when she told me that they only report to XXXX who then, in turn, report changes to the other 2 credit bureaus. XXXX advised me of this and told me that they do not report anything to the other credit bureaus.

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 2020-09-18 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
I have received two phone calls from a Debt collection agency call CCS Offices, number, XXXX. Claiming I have unpaid bills from XXXX. I have called XXXX. They have no record of unpaid debts and their records show I have no late payments. However, CCS continues to call. I would like to report this scam and get them to stop calling my home.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Network Inc.
State: TX

Complaint narrative:
American Financial Network continues to practice predatory lending against vulnerable veterans in order to lure them into a VA loan that doesn't serve the customer but the business itself. Despite of requesting a removal from their mailing list, I continue to receive unsolicited mails which contents do not back up their claim nor endorsed by Department of Veterans Affairs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I just spoke with Ally Bank about fees for more than six transfers from my savings account. I understand the Federal Reserve Board suspended Regulation D due to the pandemic. However, Ally bank informed me by telephone that on XX/XX/XXXX, they resumed imposing fees for excessive transfers and provided no justification for this.

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