milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/27/2016 about Credit card () with JPMORGAN CHASE & CO. (IA).
Issue: Forbearance / Workout plans

Complaint: My husband, XXXX was seriously injured in an accident on XX/XX/2016. He is still recuperating from the resulting below-the-knee amputation and other injuries and has been unable to work. We do not have the funds to make full payments on our accounts at this time. We are currently working with XXXX ( XXXX ), a non-profit agency in our home town. XXXX is not charging us any fees. All our other creditors have been willing to work with them and we are making payments to keep those accounts current. Chase has refused to work with the XXXX, saying they ( the XXXX ) are a " XXXX '', even though we 've been trying to set up something with them ( Chase ) since shortly after the accident. Even when I called directly to try to negotiate, Chase refused to speak to me, and instead referred me to XXXX of their XXXX. Although the initial recording said I would hear a list of agencies serving our area code, my call was immediately transferred to someone who identified herself as " XXXX '' at " XXXX XXXX XXXX Solutions. '' XXXX stated that she was in XXXX and did not have offices in XXXX. XXXX boasted that XXXX XXXX was XXXX of only XXXX credit counseling agencies that Chase refers customers to. Without knowing any of our personal or financial information, XXXX right away offered XXXX solution which she called " XXXX XXXX XXXX '' where XXXX XXXX would make our payments for us and charge us a {$50.00} setup fee and up to {$55.00} per month fees on top of what we owe to our creditors. Why would they refer us to a company that sounds exactly like the type of service they are warning us against? I do n't understand why Chase would refuse to communicate with the local non-profit agency who are already helping us and instead coerce us to deal with an unknown " debt management service '' that will charge us setup and monthly fees on top of our debts. Chase is in effect creating a monopoly by referring us to XXXX of their in-house credit counseling agencies, which will cost us to use, generating more income for the Chase brand. Additionally, the " negotiated settlement '' payment is actually higher than the minimum payment we 've been billed. Our other creditors have already worked with XXXX to help us set up hardship payment plans. Chase 's refusal to cooperate with us is causing undue stress. Please respond quickly to help us resolve this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 10-07-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE THAT WAS USED TO VERIFY THE ACCOUNTS AND INQUIRIES I DISPUTED BEING THAT THEY HAVE GONE PASS 30 DAYS MARK AND CAN NOT VERIFY THESE ACCOUNTS ( NOT BY JUST TELLING ME THE ACCOUNT OR INQUIRIES HAVE BEEN VERIFIED ) UNDER SECTION XXXX ( XXXX ) ( A ) OF THE FCRA THEY ARE REQUIRED TO PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED : THAT I HAVE DISPUTED. PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE

Company response to consumer: Closed with explanation
Consumer complaint received 01-09-2018 about Vehicle loan or lease (Loan) with U.S. BANCORP (OK).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: This is the 3rd CFPB for my loan. reference case numbers XXXX and XXXX My daughter contacted US Bank a few weeks ago advising them, once again, that she was struggling to maintain the payments on this vehicle, due to an unforeseen financial burden. Story-her mother, was arrested and she bonded her out of jail. Her mother skipped court, and her bond was revoked. The bondsman, XXXX XXXX, sued my daughter for the responsibility of the bond totaling {$7000.00}, negotiating a payment arrangement of {$300.00} monthly until paid in full and/or her mother turns herself in. She asked US BANK for assistance with deferring the payments, and was advised very rudely that she does not own the vehicle, therefore, she can not request changes on the loan. She confirmed I purchased this vehicle for her, and she has been paying the payments for ALMOST 3 YEARS. EVERY SINGLE MONTH SHE HAS MADE A PAYMENT, whether it was the full amount owed or not. The woman advised my daughter that I would have to call and request assistance, but if I admitted that I do not make the payments, then I am not eligible to seek assistance either since I was n't making the payments. WHAT KIND OF XXXX NON-SENSE IS THIS. My daughter pays, but its not the loan, so she cant get assistance, I dont pay, but it am on the loan, yet i do not qualify for assistance. My daughter has worked for a mortgage company, for over 9 years, and they assist borrowers whom are not on the loan, all the time! They simply request verification of the non-obligor 's income and a written statement from both the non-obligor and obligor. WE ARE STRUGGLING and have made a good faith effort to ask for assistance. I am on XXXX INCOME, and only make an average of {$750.00} a month. This car payment is $ XXXX. How on earth could I afford living, and paying this vehicle. I guess I have to tell US BANK, I will figure it out. I have received a letter in the mail which states I have to pay $ XXXX by the XXXX or US BANK is threatening to repossess the vehicle. It will not be paid by the XXXX. I will make a payment of {$250.00} on the XXXX. US BANK responded and told me to contact them to ask for help, however, they will not help. I have already contacted them and I get the same story each time, by their unprofessional representatives. 

US BANK has charged me a total of {$550.00} since the month of XXXX XXXX. The attached payment history shows payments have been made every month! WE NEED HELP.

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 03/27/2015 about Debt collection (Medical) with Express Recovery Services, Inc. (UT).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint: I recieved a letter From Express Recovery Services, a collection company. XXXX, XXXX XXXX XXXX XXXX XXXX, Utah XXXX regarding a debt that had previously been discharged in a Bankruptcy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 12-08-2016 about Mortgage (Conventional fixed mortgage) with CENDERA FUNDING, INC. (TX).
Issue: Application, originator, mortgage broker

Complaint: We were asked on Friday, XX/XX/2016 at XXXX pm to provide payoff amounts for XXXX creditors our lender wanted paid off at our closing. We were successful in getting all but XXXX of the payoff amounts by Monday, XX/XX/XXXX and the last XXXX came in by the close of business that same day. Tuesday, we went to sign the " Closing Disclosure '' and noticed the figures were incorrect by nearly {$4800.00} over the amount owed. When we asked for the figures to be corrected based on the payoff amounts we submitted, we were told by XXXX, our load would be cancelled if we insisted on the amounts being corrected. 
In addition to that incident, the agency for our homeowners insurance policy was selected by XXXX, not according to the choice we submitted to them.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER BANK, NATIONAL ASSOCIATION (NJ).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: XXXX/XXXX/XXXX. XXXX/XXXX/XXXX hard inquires

Company response to consumer: Closed with explanation
Consumer complaint received 01-04-2018 about Vehicle loan or lease (Loan) with Garcadia Financial LLC (OK).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: On XX/XX/XXXX I contacted XXXX XXXX and spoke to XXXX. I wanted to cancel the scheduled payment for XX/XX/XXXX and spoke with him about a newer date for payment ( XX/XX/XXXX ). He was in agreeance. He stated he would send this over to my account manager XXXX and we ended the call. 

On XX/XX/XXXX I checked my bank account and noticed there were two transactions from XXXX XXXX. One for {$670.00} and the other {$33.00}. I called and spoke with XXXX and in the called she stated that XXXX 's notes from XX/XX/XXXX were not consistent with my claim with her ( XXXX ). XXXX then told me that XXXX ran the payment on that day ( XX/XX/XXXX ). 

I called XXXX later on in the day ( XX/XX/XXXX ) XXXX stated that we made an agreement for the payment for XX/XX/XXXX and that he initatied the payment despite me calling and cancelling it on the same day ( XX/XX/XXXX ) I believe there are some serious ethical issues involving the billing practices at XXXX XXXX and they need to be addressed. 
I did not authorize XXXX or anyone at XXXX XXXX to run that payment on XX/XX/XXXX. I only canceled the payment for XX/XX/XXXX. 

This is the short version of what has happened. 

Please also keep in mind that I record all of my calls and can accurately back up everything stated in this form.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2018 about Vehicle loan or lease (Loan) with WELLS FARGO & COMPANY (IL).
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint: I am a victim of identity theft I am a victim of fraud my ex husband, and his girlfriend XXXX XXXX XXXX  and other individuals has fraudulent used my information to obtain credit they have used my name, DOB, ss #, to obtain credit. My ex husband and I divorce and there were open loans under my name Mortgage XXXX XXXX  XXXX XXXX and auto loan Wellsfargo these loans were XXXX XXXX responsibility to pay and I was no longer had interest in these loans. I signed over all my interest and rights removing me from the responsible party. Wellsfargo has reported this loan on my credit report which is it to be remove next year but this needs to be deleted off my credit report immediately. My ex husband had forgery my name to obtain loans and was arrested I have sent supporting documents to XXXX, XXXX XXXX, XXXX concerning this matter. I'm a victim of identity theft. This needs removal off 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 10-03-2017 about Mortgage (Conventional home mortgage) with MUFG UNION BANK, NATIONAL ASSOCIATION (CA).
Issue: Closing on a mortgage

Complaint: My loan with XXXX XXXX was paid off in full on XXXX XXXX by XXXX XXXX. 

XXXX XXXX received an extra mortgage payment from me in the amount of {$3100.00} on XXXX XXXX and is refusing to return that payment to me in a timely fashion - they had promised it would be sent within 10 business days and is now informing me that it 'might be in the mail '. It is beyond the 10th business day and they are stating they are holding the amount 'just in case the check does n't clear '. 

I have ALREADY been informed that the loan has been repaid by a letter from them, and that a Full Reconveyance will be sent directly to the County Recorder. 

I believe XXXX XXXX is holding my funds in violation of terms and conditions of my paid-off loan and should pay interest to me for the amount they are holding from me.

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 10-11-2016 about Money transfers (International money transfer) with WESTERN UNION COMPANY, THE (CA).
Issue: Money was not available when promised

Complaint: I SENT MONEY TO XXXX FOR WESTERN UNION IN XXXX CALIFORNIA XXXX. 
LOCATOR # XXXX. XX/XX/2016 AT XXXX US/TIME. THE RECEIVER NEVER TAKE THE MONEY. I CALL TO WESTERN UNION TO THIS NUMBER : XXXX. THEY TOLD ME. I CAN CANCEL THE TRANSFER MONEY. TODAY IS XX/XX/2016. THEY NEVER TRY TO CALL ME. THEY DONT REFUND MY MONEY ( XXXX USD. I SENT XXXX USD + XXXX FEE ). I CALL TO THEM MANY TIMES BUT THEY TOLD ME A NEED TO WAIT. I HAVE THE RIGT TO REFUND MY MONEY IF WESTERN UNION DOES NOT FORWARD THE MONEY RECEIVED FROM WITHIN 10 DAYS. SECTION 2102 OF THE CALIFORNIA FINANCIAL CODE. PLEASE PAY ATTENTION TO THIS LETTER. BECAUSE THE PEOPLE WESTERN UNION NO LISTEN TO ME.

Company response to consumer: Closed with explanation
Consumer complaint received 04-09-2017 about Debt collection (Other (i.e. phone, health club, etc.)) with FAIR COLLECTIONS & OUTSOURCING, INC. (FL).
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint: FCO claims I owe a debt from an apartment community I had reached an agreement with to move with no charges. Without my knowledge the apartment company filed eviction after I had moved per our agreement. I received calls 3 years ago from a XXXX MD number but never a voice mail. I received no written correspondence either. In XX/XX/XXXX I was turned down for an apartment and learned about FCO on my credit report. I sent a certified return receipt letter on XX/XX/XXXX requesting they validate the debt and I was disputing the debt. From XX/XX/XXXX through XX/XX/XXXX I received twice daily phone calls from FCO. I was not able to answer and they did not leave a voicemail. After receiving no debt validation I sent a follow up letter in XX/XX/XXXX. Once again I began to receive phone calls from FCO immediately after they received my letter. I did not answer the phone as I had sent letters requesting debt validation. I received a word document with charges listed all in XX/XX/XXXX. I finally called them and when I questioned the validity they then sent me the same document but had illegally placed a company logo on the top. This is not the company I rented the apartment. I was told that XXXX the Compliance Officer did not speak to people on the phone also the one time I called. I was asked if I had an attorney and I should get one if I did n't. FCO continually refuses to verify this debt and responded only with this word document. I also forwarded via email to XXXX her communications with another person who she removed the account and cleared the credit report since she could not verify the debt. FCO has recently been sued by the XXXX for these exact illegal practices. XXXX has also been XXXX recently which goes to character. This company uses illegal practices including cutting and pasting a company logo ( the new owner of the apartment complex ) on a word document and mailing it to me. This is mail fraud!! Creating a document, presenting it as genuine?? I just recently sent yet another letter to FCO requesting again that they verify the debt. I do not owe this debt. Please help. I will agree to allow CFPB to publish this so that it may help others about dealings with FCO.

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 07/27/2017 about Debt collection (Credit card debt) with Experian Information Solutions Inc. (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint: I am contesting the account with XXXX/XXXX. It is an account that was opened without my consent. It is showing a balance of {$00.00} with a {$3500.00} credit limit. Experian is stating on their report that it is even late and over the limit with a 0 % usage. I need Experian and XXXX/XXXX to correct this account on my Experian report. I should not owe XXXX/XXXX anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my Experian report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from Experian Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.

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 08/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (KY).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: In 2013 I payed and settled in full my account with XXXX/XXXX. 

XXXX/XXXX continue to report negative information status on this account. I have disputed this account with XXXX, Equifax, and XXXX. All parties involved have failed to protect my rights as a consumer, and continue to report inaccurate information. 

By providing false information on my credit report, this is violating my rights under Section 623 ( a ) ( 2 ) of the Fair Credit Reporting Act.
Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers, '' or persons who furnish information to consumer reporting agencies, such as credit bureaus.Section 623 ( a ) ( 2 ) of the FCRA requires the furnisher both to update accounts as well as to correct those that were erroneous when submitted to the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 10-09-2015 about Mortgage (Conventional adjustable mortgage (ARM)) with NATIONSTAR MORTGAGE (CO).
Issue: Loan modification,collection,foreclosure

Complaint: I am a XXXX and have a property listed for sale. NationStar did a Broker Price Opinion ( BPO ) of the property and it came in at {$810000.00}. During the BPO the properties basement was flooded and the BPo agent made no mention of it in the BPO report and subsequently brought the BPO price in an inflated value. The buyer had an appraisal done which reflected it 's as-is value with the needed repairs and the value showed {$670000.00}. The appraisal, photos and the repair bid were submitted for a value dispute. Four weeks later a decision was rendered and NationStar stood by the BPO value of {$810000.00} stating " Please advise how all parties want to proceed as our value did not change from $ XXXX. An appraisal report completed by XXXX ( XXXX ) was submitted for valuation dispute. The appraisal estimates the subjects ' as-is value at {$670000.00} as of XX/XX/XXXX. The appraisal is considered to provide a low value estimate utilizing dated sales ( all sales closed in XX/XX/XXXX ) and the - {$100000.00} across the board repairs adjustment is overstated. The repair estimate included in the appraisal is unsigned and no photos were provided that would confirm the noted repairs as described. The subject is located within a desirable pocket subdivision and a sale was noted on the subjects ' XXXX at XXXX XXXX XXXX XXXX, similar age and size, inferior in condition ( dated, inferior kitchen, requires repairs ) and closed XX/XX/XXXX at {$800000.00}. This sale is less recent than desired but is a good indicator of market support for a reasonably similar substitute property within this market. " How can an appraisal by a master appraiser of 25 years experience be considered inferior to Nationstar 's BPO when he took into account the needed repairs and all the comps that were used for the appraisal be considered outdated when I 'm assuming similar comps for the BPO were also used? The area of the home is a very specific location and there 's only so many comps they can use which is stated in the appraisal. The seller has not received a copy of the BPO because it is the property of NationStar. Nationstar should be required at minimum to do an appraisal of their own if they do not agree with the appraised value as the BPO is a much inferior estimate of the properties real value.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Kimball, Tirey & St. John LLP (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Refused to agree in writing that account would not be reported on credit report if paid in full by the XXXX. Paid in full by the XXXX and per the recorded conversation with XXXX and her supervisor. The account was reported on my account in direct violation of our agreement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Checking or savings account (Checking account) with WELLS FARGO & COMPANY (ND).
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint: XXXX/XXXX/2017 overdraft and bank would n't send info to 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 10/22/2015 about Debt collection (Medical) with Choice Recovery, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX billed an eight year old address attempting to reach me for a medical bill. 
No response was recieved because I did not live at the address they were billing. 
XXXX turned the invoice to a collections agency, collection agency continued to bill the old addressI had no knowledge of this information until I needed to purchase a car where the discrepancy showed up on my credit report. 
XXXX refuses to submit a letter of untimely filing so my insurance company will pay the billI still do not know where or how the old address was obtained by XXXX. I would never recommend using this medical lab. XXXX insists I lived at the address that was billed and I received sufficent notice of the debt. I can provide public records to show I did not live at the address.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation