milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06/29/2016 about Credit card () with JPMORGAN CHASE & CO. (MD).
Issue: Transaction issue

Complaint: I have a credit card with British Airways Visa Signature through Chase Bank that offers " No Foreign Transaction Fees ''. XXXX I recently charged a XXXX XXXX ( XXXX XXXX ) on my credit card. I checked my bank 's website to find that I was billed {$25000.00} US Dollars ( USD ). The transaction was settled by Chase Bank on Monday, XXXX XXXX, 2016 using an exchange rate of XXXX USD per XXXX. The currency exchange rate, as published by XXXX on XXXX XXXX, 2016, was between XXXX and XXXX. Assuming that the highest exchange rate of the day was used, a rate overcharge of XXXX resulted in a FEE of {$1500.00} to be charged on this transaction. Upon contacting Chase Bank, I was informed that there is " No Fee '' on the transaction. They stated that XXXX sets the exchange rate used for each day and that Chase Bank has no control over this rate. XXXX, in fact, did publish a rate of {$1.00} on XXXX XXXX, XXXX. The rate set by XXXX is 6.5587 % greater than the highest actual exchange rate on XXXX XXXX, 2016. Chase Bank 's representative defended the process by claiming a distinction between the exchange rate and a transaction fee. As a consumer, the exchange rate and the foreign transaction fees are effectively one in the same. 

There are several issues at hand. The advertisement, " Transaction Fees on Foreign Transactions : None '' is patently false and is tremendously misleading. Chase Bank is hiding XXXX 's 6.5587 % Transaction Fee on the exchange of XXXX 's to USD 's. This claim should not appear on their websites for " No Fee Cards '' without a disclaimer that the foreign currency exchange rates used will be arbitrarily be set by XXXX and have no relation to the actual transaction exchange rate. 

I would appreciate the CFPB 's investigation in this matter to make the consumers aware of these tremendously misleading claims and hidden fees. I would also like to be reimbursed for the transaction fees that were charged that are above the market rate for this transaction. I feel that my many past foreign transactions on the Chase Bank XXXX XXXX should also be subject to a similar refund. I have detailed documents that support the amount of the charge in XXXX, copy of my Chase Bank posted transaction, XXXX 's XXXXUSD rate quotes, my cardmember service agreement and XXXX 's " imaginary XXXX-USD exchange rate '' on XXXX XXXX, 2016. 

I thank you for looking into this very deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 08-12-2016 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: Customer service / Customer relations

Complaint: I filed a dispute with Chase XXXX about a contractor who did not and would not complete work that I paid him for. After filing the dispute, with photographic evidence, detailed descriptions of work not completed, letters from the subcontractors who were working on the job confirming the work was not done and invoices from other contractors we had to hire to complete the work, Chase XXXX still sided with the merchant on the matter. Chase sited that the merchant, with NO EVIDENCE, stated that they completed the work and I was satisfied with it, that is it. that is all they had to say to win the dispute. Needless to say, if this is the way Chase backs their customers, NO ONE should do business with Chase, ever. It is pretty much a CC with no protections for their consumers and customers.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2017 about Bank account or service (Other bank product/service) with U.S. BANCORP (IL).
Issue: Account opening, closing, or management

Complaint: US Bank : XXXX/XXXX/17 : Trying to make a payment in my fraudelent accounts and being rerouted from XXXX department to another. Making my account even more debt, and no resolution and no result. Not liable to this accounts : Reserve Line XXXX and Credit Card ending in XXXX with adding late fees and interest charges and cash advances when not making purchases, making payments and not responding to my requests & disputes & messages and only rerouting, and blaming XXXX department to another. Thanks.

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 05-11-2017 about Debt collection (Other debt) with PORTFOLIO RECOVERY ASSOCIATES INC (IL).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: I have received several phone calls fr om Portfolio Recovery Corp regarding  an old  XXXX   XXXX  bill. I informed this agency I would never pay that because the charges are for roaming outside of my calling area. these charges are inaccurate. the roaming should have been covered under my then phone plan. Upon receiving my first phone call from this agency i specifically requested they not contact me anymore. I specifically requested a cease and desist but yet they continue to call. Since I never granted express consent their constant calls are violations of the TCPA. Today I received a notice from them regarding the same. I am unsure why they continue to call and send notices after i have requested a cease and desist

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03-08-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: I am requesting the removal of two judgments ( listed below ) from my Experian credit report due to Civil Case No. XXXX, XXXX XXXX , XXXX Al., v. XXXX XXXX XXXX , XXXX. I requested in writing and over the phone on MULTIPLE occasions over the last year and I still have not received anything. Today, XX/XX/2018 at XXXX on a recorded line I spoke with XXXX in the special service department who told me, 'Experian can't give me any documentation supporting their verification and I must get it directly from the creditor ', who has already put in writing that they did not verify anything with any CRAs. I do not know the source of their verification information on these bankruptcies and due to this, Experian has violated the Fair Credit Reporting Act ( FCRA ). Please  remove these bankruptcies as soon as possible. 


Since this is a request and not a dispute, I would like to receive confirmation that all bankruptcies listed on my credit report have been removed within 15 days of the date on this letter. Your attention to this matter is greatly appreciated.

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 07-02-2015 about Bank account or service (Other bank product/service) with JPMORGAN CHASE & CO. (PA).
Issue: Account opening, closing, or management

Complaint: Received a letter dated XXXX XXXX, 2015 stating my CHASE Credit Card ending in XXXX was going to expire within the next two months. Since the card had not been used within the past XXXX years, they were closing the account when it expires. 

It went on to say if I would like to keep this account open, please call toll free and they would review. 

I called and after giving them my income and information they were willing to keep the card open at {$1000.00} limit whereas before it was {$6500.00}. They also went on and reduced my other XXXX cards from Chase as well taking the limit from {$5000.00} to {$1000.00}. 

What these actions have done is drastically reduce my credit score from good to below average of which I told them so, but they did n't care stating that was my problem. 

With banks doing this to customers no wonder people have bad credit scores and banks can charge more for loans when you need XXXX. This action also prevents people from acquiring a mortgage or car loan and needs to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 01-10-2017 about Credit reporting () with EQUIFAX, INC. (MN).
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint: On XXXX XXXX, 2016 Equifax re-inserted a public record ( Chapter XXXX Bankruptcy Discharged ) to my credit report, I have not received notification of the re-inserted information as required by law. Equifax has violated the law and is required to remove this item from my report immediately. I just spoke with XXXX XXXX XXXX XXXX at Equifax that verified that this information was inserted without proper notification. If Equifax does not remove the item immediately I will follow a small claims.

Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2015 about Mortgage (Conventional fixed mortgage) with NATIONSTAR MORTGAGE (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I applied for a loan modification as a result of a loss of employment. The program offered by Nationstar was appreciated but I respectfully declined. The program offered did not make good financial sense considering how severely underwater my mortgage is. 

On multiple occasions, I submitted written/verbal requests to Nationstar Mortgage declining the deferred payment plan. Nationstar has failed to remove the Home Affordable Unemployment Program. Additionally, my most recent payment remitted to Nationstar Mortgage was n't applied correctly. 

I have attempted to contact representatives from Nationstar Mortgage on several occasions for a resolution to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 07/13/2016 about Debt collection (I do not know) with The Best Service Co.,Inc (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Recently I learned that I have been victim of identity theft. I have find that some one unknown to me has used my personal information to get themselves credit and because I was not receiving any statements from different credit card companies some items ended up in collection which I had to hire a company to take care of the matters for me. I assumed everything in my credit report was cleaned up until a month ago when I decided to get a new job and I knew that who ever I apply for employment they are going to pull my credit report. I did that my self and purchased a copy of my credit report and noticed that there was a collection account from BEST SERVICE COMPANY for an unpaid XXXX account. I immediately wrote dispute letter to credit bureaus then I wrote a dispute letter to BEST SERVICE COMPANY and explained my situation to everyone. XXXX f the bureaus they removed all the negative items but XXXX still indicating the account from BEST SERVICE COMPANY still is in my credit report. and I have not received any response back from BEST SERVICE COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 12/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I have unauthorized " INQUIRES '' on my credit report and I wrote to the creditor 's explaining to them that I did not authorize these inquires and that I am a victim of ID theft. The creditor 's never contacted me back and never removed the information from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I AM AN VICTIM OF IDENTITY THEFT. AS A RESULT, SEVERAL ATTEMPTS OF OPENING ACCOUNTS ON MY CREDIT FILE WERE INITIATED. PLEASE REMOVE THE FRAUDULENT INQUIRES.

Company response to consumer: Closed with explanation
Consumer complaint received 08-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint: XXXX is reporting to all credit reporting agencies that I was 90 days delinquent in paying my student loans in XX/XX/XXXX and XX/XX/XXXX. I reported this problem to Navient via formal letter on XX/XX/XXXX and asked that they please review this information as it was incorrect. Payment arrangements were made using the only account number ( Account XXXX ) that I have with XXXX. This account number is the only account number that XXXX has issued for both my Federal and Private loans. Payments in the amount of {$620.00} were agreed upon and directed debited from my account beginning XX/XX/XXXX through XX/XX/XXXX on the XXXX of each month. XXXX is now stating that they only allocated funds to my private loans and my federal loans were placed in forbearance as requested by text message, however they were 90 days late before the forbearance was activated. I did respond " yes '' to text messages asking if I wanted a forbearance, however I thought that it was necessary as I had agreed on the payment plan with the Navient representative in XX/XX/XXXX. XXXX responded to my written complaint stating that they performed their investigation and find that I was delinquent on both my Federal and Private loans so therefore they will not remove the delinquency from my credit report. I only have one account number and am unable to allocate how they apply the payments that I make. I asked the Navient representative several time during my conversation with him in XX/XX/XXXX that the payment arrangements he was making would cover ALL loans and he confirmed several times that he was including ALL loans. Please see the attached documentation from the XXXX website that shows the allocation of payments and the single account number issued by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 03-10-2016 about Debt collection (Auto) with HSBC NORTH AMERICA HOLDINGS INC. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: had a loan with beneficial, this loan was backed with a collateral I use my van, and bought insurance for d loan but my van was stolen an beneficial ask me for d police report, I took d police report to them an d loan was paid cause I had d insurance and lost my van. this happen I 2007 do n't know why after 9 yrs. this company " XXXX XXXX XXXX XXXX '' wants to collect money. please help do n't want from them to keep bothering me and my wife, I m a XXXX yr. old and get tu frustraded.with this matter.thank you

Company response to consumer: Closed with explanation
Consumer complaint received 08/16/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: I spoke ro XXXX XXXX about loan balance amount and reportung details on my credits. They had someone from a third party to speak to me northland group. The would n't speak to me directly. The respresentative explained that the vehicle in question waa sold after I told capital about my lost of employment and no longer could care for my loan in the status that it stood. They refused to negotiate the loan and I surrender it over. They sold it the reported amiunt doesnt reflect it and anonymous fee are added that should n't be. I need this negatitve remarks and amounts off of my credit report as it is not true.

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 04/20/2016 about Mortgage (FHA mortgage) with loanDepot.com, LLC (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I purchased a new home in XXXX. Everything as far as the escrow account goes was handled by the lender Imortgage. Well I noticed my payments had changed in XXXX so I called and asked to make sure everything was fine. I was assured that yes, everything was fine and that the payments dropped a little because the taxes went down. She informed me that this can happen with new homes since they often put more in escrow to cushion any tax increases. They then sent me a XXXX dollar check saying that I had paid too much into escrow. That was in XXXX XXXX. Fast forward to XXXX XXXX, I check my bill to pay online, and it says I own {$4000.00}!!! I call and XXXX in customer service told me that the taxes last year were not paid, and that I was paying back the advance they paid. I told her there was no way I could afford this and why did this happened in the first place! Is n't someones job to make sure the escrow is correct! I had called last year to confirm even! I am a new home owner so all of this tax and escrow stuff is pretty foreign to me, so I naively agreed with the rep last year that everything was okay. So now I am here with a XXXX dollar increase to my mortgage payment and that 's the best they can do as the " investigate '' and rerun the analysis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/31/2016 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (VA).
Issue: Application, originator, mortgage broker

Complaint: We applied for a mortgage with Wells Fargo last XXXX with XXXX XXXX. During the process, they sent out an appraisor, XXXX XXXX, who as per XXXX XXXX at Wells Fargo has been appraising homes in our area for over 20 years and is one of the best in the area. XXXX XXXX assessed our home at XXXX. On the day we were supposed to close on the initial application, XXXX XXXX, our agent at the time, sent me a text message stating that they would not be able to do it until they did another appraisal. Another appraiser came to our home for approximately 10 minutes. During this time, she neglected to go through the entire house - including our XXXX square foot basement which includes a XXXX kitchen, sauna, XXXX bathrooms, bedroom, excercise room, office, living room and leisure room. She was extremely rude and obnoxious to my wife and left after looking at a small portion of the house. She then appraised the house for XXXX, citing things about the house that were factually inaccurate. We recently attempted to refinance again with a different agent, XXXX explained to me that they could use the original appraisal of XXXX and the only thing required was that the appraiser ( XXXX XXXX ) return to the home ( it was in construction during initial appraisal, ) to confirm that the home had not reduced in value. The appraiser did so, and we received a copy of her report stating that the home was in fact worth XXXX and that it had not reduced in value. We submitted all required paperwork and were preparing to close when XXXX XXXX informed me that they would not be able to do the loan in that amount due to a second appraisal, which did not happen as we were never contacted nor visited by an XXXX. I asked why they were using that value, based on the incomplete, therefore inaccurate appraisal, over the more thourough appraisal ( again, completed by one of the most relable, accurate appraisors in the area as per XXXX . XXXX. ) She said she did n't know and recommended I escalate the question, which I did. I received a phone call on XX/XX/XXXX at approximately XXXX from a XXXX XXXX, who can be reached at XXXX XXXX. XXXX XXXX explained to me that they determined the lessor amount was more accurate. I asked him who came to that determination and he explained that it was done by a vendor and that it is therefore out of Wells Fargo 's hands. I asked him for the name and contact information of the vendor who came to that determination and he said he did not have that information. I asked him to get me the information by XXXX on XX/XX/XXXX. I stated that if I was not given that information by that time, I would be contacting my attorney, which I plan to do. Thank you for your time

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 11-08-2016 about Credit card () with Conn's, Inc. (TX).
Issue: Other

Complaint: This credit card company Conn 's Credit Corp One is reporting on my credit report {$1700.00} of debt. I requested proof baring my signature on XXXX XXXX, 2016 because I do n't own or have ever owned this credit card and disputed the charge with them. They have failed to do so and also they have also failed to mark my account dispute within 30 days as the Federal law requires them to comply. I have sent three letter since that time they have not provided me with anything especially my signature and they finally way after 30 days marked it disputed. I have copy 's of them receiving my certified mail on XXXX XXXX, 2016 @ XXXX. I also have proof of my credit report printed 31 days later showing they have not marked disputed on my credit report. I am requesting removal on all three credit bureaus because its not mines and they have not gave me anything bearing my signature well over during the time the law required. 

The Federal Laws that they have broken are below : Fair Credit Reporting Act, Section 623 ( a ) ( 3 ) by not placing the disclosure within the required 30-day period, as per FCRA 623 ( a ) ( 3 ) - Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] Fair Debt Collection Practices Act. And they may be liable for their willful non-compliance as per FDCPA 807. False or misleading representations [ 15 USC 1962e ].

Company response to consumer: Closed with explanation
Consumer complaint received 03/21/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with OCWEN LOAN SERVICING LLC (MD).
Issue: Loan modification,collection,foreclosure

Complaint: Ocwen is holding my shortsale hostage. deactivated and replaced payoff quote with same dates and {$3000.00} in extra fees days before closing. 
Approved for sale with first lender ( Ocwen ), and shortsale with equity line holder ( XXXX ) since XXXX, I got a payoff quote from Ocwen and am set to close this Friday XXXX. Today Ocwen deactivated the valid payoff quote and replaced it with another payoff quote adding {$3000.00} in extra fees, knowing that I will have to go to foreclosure if I can not get to closing before they bill me for another cycle of fees. Reading up on this practice, I discovered that Ocwen recently lost preditory lending suits, but is still abusing debtors in distress, and then suing them after they close for more money. Ocwen refers me to the Law Firm XXXX to make requests for fee reduction, and XXXX refers me back to Ocwen - a cycle completed 3 times in less than a week. Closing in on Friday. I need help. 

Law Offices of XXXX : XXXX and XXXX XXXXXXXXXXXX XXXXXXXXXXXX Ocwen Foreclosure Dept : XXXX option XXXX ext XXXX Ocwen Customer Service : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 01-02-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EARLY WARNING SERVICES, LLC (OR).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: On or about XXXX/XXXX/2016 XXXX XXXX XXXX incorrectly reported me to Early Warning Systems that XXXX closed my checking account for cause. This is wrong. I closed the account due to lost checks. XXXX did not suffer any monetary losses. I demand that this be removed from my Early Warning report. Thank you.

Company response to consumer: Closed with explanation