milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05/24/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Applied for  XXXX  credit cards in  XXXX  of  2016 a t the same time.  The Sapphire and the Freedom . The application process and disclosures on t he Sapphire led me t o believe th at the Sapphire had  an 0 % introductory rate. The most noticeable difference between the  XXXX  cards was  XXXX  was used for travel and had a hefty annual fee and the freedom did not. By comparison th e Sapphire was the better card ( especially when I believed the intro rate was also on the sapphire ) so this was the card I  chose to be my everyday card. The plan was to use the card and made multiple payments per month to keep the balance down and especially since there 's an introductory rate. I unfortunately only found out recently, after noticing all the payments ive been making is not catching up to the balance. This led me to take a closer look at my statement and in shock, discovered I 'd been charged interest every month since  XXXX     2016. W hen I called  Chase, they explained the Sapphire has never had an intro rate promotion ( despite offering the card closely with other Chase credit card products with introductory rates ). When I asked if they could help with the interest I 've been charged, they simply reiterated that the Sapphire card has never had a promotional rate and there 's nothing they could do.   I feel so violated and misled thinking I 'm using my credit card well and now I have this mounting interest charge I was never clear about from the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2016 about Credit card () with SYNCHRONY FINANCIAL (FL).
Issue: Customer service / Customer relations

Complaint: I have a number of accounts with Synchrony Bank. I have opened complaints before concerning this same issue but it has evidently not been resolved by the bank. First- when they call they call as " UNKNOWN ''. I do not answer unknown calls. Secondly when I call back or call them they ask for an account number? WHAT account number I have a minimum of XXXX opened by retailers who use the same source which I do NOT like. I owe it all to XXXX company. Next their automated system does not work, rarely works and almost always forces me to switch to a live person who supposedly speaks English but CAN NOT COMPREHEND IT. Next rarely can you get a manager if ever. Then I get late fees or charges because the payment is past due. In my opinion I find this as unbelievable yet the state of affairs in this nation today. I asked for Customer Service and after multiple attempts they hung up. Wow and you -respectfully- are evidently a hollow shell who can not do anything but state you help consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 09-08-2017 about Debt collection (I do not know) with Newman, Mathis, Brady & Spedale (LA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: The creditor agreed to accept a lump sum of XXXX $ cash to cancel the debt and not go thru the attorneys and I paid it to his company and now he the creditor is still trying to collect the debt by having his attorney XXXX XXXX send me a petition for garnishment of wages. I have emails and proof of bank payments made up until I paid the XXXX $ cash. 

My request is also for the company to please validate the debt ; by sending all original documents with signatures etc. to me asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 08/24/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (FL).
Issue: Loan modification,collection,foreclosure

Complaint: I have been requesting a short sale for the last 18 months, Select Portfolio has been giving me the run around, they have been delaying the process by giving me conflicting information, I have been sending documents for over 18 months and their delay has caused me stress, cost me thousands of dollars in attorney 's fees and currently now I may probably lose the buyer and have a Foreclosure on my record. I have been calling the lender every other day for the past 18 months requesting them to review the documents, I have since lost XXXX buyers due the Select Portafolio delaying the process by not being responsive. In the last month alone I 've called 10 times trying to get an update as to the status of the short sale. Every single person taking my call has given me different information, and most of the times the information was inaccurate. No one seems to take responsibility for delaying the process or for giving you erroneous information regarding my account. I need assistance. My XXXX review was submitted on XXXX XXXX, 2016 and to this day no one has reviewed the documents or started the review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Credit card) with PAYPAL HOLDINGS INC. (NJ).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: PayPal is calling my primary number, so.show they got my wife 's cell phone number, my work cell phone number and my dad 's home number. I have filed for bankruptcy but they continue to call on a daily basis

Company response to consumer: Closed with explanation
Consumer complaint received 11/18/2016 about Credit card () with U.S. BANCORP (TX).
Issue: APR or interest rate

Complaint: U S Bank upped the interest on my credit card because due to the XXXX, the company I own lost a lot of work, and I was only able to make the minimum payments for a while ... ..I was never 30 days late NEVER and always paid the minimum due ... ... today I get a letter from them that they are penalizing me even more and dropping my credit limit from XXXX to XXXX ... I have already called and cancelled the card ... ..and the card has been shredded ... ..

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 06-11-2015 about Credit reporting () with EQUIFAX, INC. (GA).
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint: i have disputed this with cfpb before and need help the keep manipulating my credit report this week alone they lower XXXX point with no reason when a car loan company and total credit card tried to report my account they could not please help

Company response to consumer: Closed with explanation
Consumer complaint received 08/21/2015 about Credit reporting () with EQUIFAX, INC. (MI).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Equifax has and continue to report fraudulent accounts. They have not validate any account to me.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with JPMORGAN CHASE & CO. (CA).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: My Name is  XXXX   XXXX . I am card member of  Chase Sapphire Reserve  card ending  XXXX . I have an unauthorized charge post on  XXXX / XXXX /  XXXX    XXXX   XXXX   XXXX  for  XXXX   .  I never went to this restaurant. The charge is happened on  XXXX  MO on  XXXX / XXXX /  XXXX   according to the Chase representative, post o on  X/XX/2017 .  However I am at  XXXX   XXXX  all day on   X/XX/2017 .  I have attached my hotel receipt  at   XXXX   XXXX  MO from  XXXX  to  XXXX  as evidence. I file dispute immediately after I found this charge shown on my account, but I do n't only response after the dispute. I sent online message many time for inquiry and each time is just we are working on it and no useful information. I called  Chase t o find out, but the representative is really unprofessional. She just read the outcome that  Chase w ill not refund the fraud charge because the fraudulent restaurant provide you the receipt who know what it is and you can not get money back from the restaurant. And refuse to connect to manager for help me solve this issue after I requested. After file official complaint in BBB, the  Chase executive off ice 's response is even worse and does n't care if I am  Chase 's customer or not. Chase can  not provide any solid evidence such as the restaurant receipt with my signature. I never receive any solid evidence from  Chase by mail indicate this charge is valid, but Chase is  so rude and said its their final decision and if you do n't like you can cancel the card. I paid  XXXX  $ annual fee for this credit card and this is not the customer service I expected. It seems that Chase does n't value their customer at all.

Company response to consumer: Closed with explanation
Consumer complaint received 05/15/2015 about Debt collection (Non-federal student loan) with SLM CORPORATION (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On XXXX XXXX, 2014 my daughter started an Application online to borrow money from Sallie May. I agreed to co-sign her application. After SM disclosed their APR 11.99 % we decided not to proceed with them.SM ignored luck of my signature or copies my SSN, ID ( that was required for he loan approval ) and, having loan that was not legally established, they transferred money to the University. When we found out that SM sent money, refund to SM was requested. Due to bureaucracy, it did not happened immediately. SM started to charge me fees!!!! 
Moreover, even though I was disputing fees they were trying to collect, they already sent false information to the Credit Report System! My Credit History score dropped due to SM false report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 09/18/2016 about Debt collection (Credit card) with STATE FARM BANK, FSB (IL).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I defaulted on repayment of a credit card through State Farm XXXX. Received a court summons on matter. I called to arrange payments with listed debt collection agency. Their balance due ( after several payments ) did n't match mine, so I called them. They claim State Farm is charging me interest on balance. When I stopped making payments, my balance was approximately {$5000.00}. When account closed, balance was {$7100.00}. This was amount on court summons. I ca n't even bring up my old account online. I stopped making monthly payments on original credit account sometime in 2013. I attempted to call and make payments on the debt, but they always wanted repayment in full. I am now able to make regular ( every 2 week payments ) to debt collector mentioned, but do n't understand the high interest charge on a closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 02-10-2016 about Credit card () with AMERICAN EXPRESS COMPANY (CA).
Issue: APR or interest rate

Complaint: I received an offer from American Express for a new credit card offering cash back after spending XXXX and 0 % interest. I applied and received the credit card. I spent the money as detailed in the offer and received the cash back. American Express then changed the terms of interest and have been charging 24.9 % on the credit card balance. I did n't realize they had been charging me interest because my statements are electronic and I make the payments automatically. That is a dishonest practice and needs to be stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 11-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX update inaccurate information on my report. First they updated a payment made on my XXXX account which was false. I submitted a claim with cfpb based on this in accurate information. On XX/XX/XXXX, they alerted me that XXXX was removed from my credit report and began to offer me credit card applications. I called XXXX and XXXX  regarding this deletion and but company stated it was inaccurate and XXXX was indeed on my credit report. XXXX XXXX is NOT XXXX with my credit reporting.

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 12/30/2017 about Money transfer, virtual currency, or money service (Virtual currency) with Coinbase, Inc. (NY).
Issue: Money was not available when promised

Complaint: Wire withdrawal of {$10000.00} from XXXX ( coinbase ) on XXXX XXXX. I have submitted numerous requests for assistance and get packaged responses or none at all. 

Details below : transfer XXXX XXXX - XXXX XXXX, XXXX XXXX XXXX Transfer ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04/22/2015 about Mortgage (Conventional fixed mortgage) with Arbor Residential Mortgage LLC (OR).
Issue: Loan servicing, payments, escrow account

Complaint: My mortgage was recently transferred to Seneca Mortgage Servicing. I have made my required mortgage payment in written check form in the amount owed plus additional amounts to go toward the principal balance of the loan. To this date Seneca Mortgage Servicing has received my written checks with the coupon that is attached to their monthly mortgage statement, but have yet to credited my account the full amount that they have withdrawn from my banking institution. The mortgage statements that they have sent me, reflects my mortgage account history since they have taken over servicing. Seneca Mortgage Servicing has applied my payments as they want, regardless of my coupon stating where to put the money. For instance XXXX of my mortgage payments breakdown was in XXXX different accounts ; Principal, Interest, Escrow, and OTHER. 
I have talked with a XXXX different service representatives, XXXX last week and XXXX this week. XXXX representatives have not been able to give me any indication that they know what has happened to my mortgage payments. I have asked them to have a research analyst review my account and get back to me, twice. I also asked the service representative what was the definition of the " OTHER '' account, neither service representative had an answer. The mortgage statement already has a section titled late charges/fees, so why do they need an account titled " OTHER ''? Is this legal for a company to park money in an unidentified account and not be able to tell you why it is being held there. To date I have yet had any resolution for Seneca Mortgage Servicing misappropriation of my mortgage payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Bank account or service (Other bank product/service) with Automatic Data Processing, Inc. (TX).
Issue: Using a debit or ATM card

Complaint: This is about the Flexible Spending Account card from ADP. This card is funded ( pre-tax ) directly from my payroll. The problem is with ADP ( servicing agent ) when is used. IRS policy is that employees can then use funds to pay qualified medical expenses not covered by their health plan, including co-pays, deductibles and a variety of medical products and services ranging from dental and vision care to XXXX and XXXX. ADP asks for a validation every time is used. If you do not send the validation request, they can block your card with your money unilaterally without concessions. The problem is that this card is for health problems including emergencies. My problem started when my wife had problems with her XXXX. We went to a XXXX ( recognized XXXX ) and the doctor gave her a XXXX. we paid with the card which is for medical products and services ( as stated ). Later, ADP requested validation via a letter and I send the ledger I received from the doctor 's office. Even that I comply with the letter ADP sent ; they still blocked the card and when I had a medical emergency for my son, card was declined with my monies. I called them and it was then when I found out that they now require a signature of the doctor on the ledger. This was never addressed before and this is the reason I 'm seeking for your help. I feel impotent with almost {$1000.00} dollars of my money in the card unable to use it because they now are requiring a letter from a doctor who charges for any consultation and is not easy to obtain. 
Please find attached letter from ADP requesting validation and the validation letter provided. Finally ; when I called ADP, there was a survey on customer experience, they cut the line before I can relate my satisfactory or unsatisfactory experience. I hope you can help or let me know who should I go with this because I 'm sure I 'm not the only one suffering from this.

Company response to consumer: Closed with explanation
Consumer complaint received 06-01-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Customer service / Customer relations

Complaint: I have been fighting the irresponsible behavior of citi cards for last five months. After I complained about it three months back, citi deposited XXXX Thank You points in my account which I had asked in my complaint with CFPB. Then all of a sudden, citi reversed XXXX points without my permission. Now, the XXXX points have also gone. I am seriously concerned about the IT system citi has in place. These kind of irresponsible behavior has caused tax payers billions of dollars in past to rescue citi bank in the past. But, it seems citi does n't realize it and keeps on doing mistake after mistake and makes customer suffer. I would suggest CFPB to take strongest possible action against citi bank till the IT system is fixed and is certified by an independent firm.

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 09-01-2015 about Bank account or service (Checking account) with REGIONS FINANCIAL CORPORATION (IL).
Issue: Deposits and withdrawals

Complaint: Regions bank applied un-warranted overdraft charges to my checking account. The balance never went below - {$2.00}. I reviewed my balance daily, balance never went below stated amounts. The bank states items caused {$72.00} in overdraft charges, but never di account from my view show the negative amount they are claiming. I suspect they are intentionally hiding transactions from customers in the name of higher bank profits, I believe it could be termed " Rob-N-the-Hood ''. When questioned why I was never priviledged to see said transactions, they stated in an email on their web site that it was complicated. Consumer rights should always be able to see all transactions presented to bank, not hidden. So since the bank sees this as an incredible profit opportunity, I elect to have refunded to me an amount for comparable amounts, my revenue vs their revenue would be fair. Say {$10000000.00}, no less. This should and most likely is disceptive, illegal, immoral practice on the part of the bank and they need to be punished as such.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/29/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Choice Recovery, Inc. (WA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Choice Recovery Inc is reporting a debt on my credit report for {$170.00}. 
This agency is not licensed to collect in my state. 
I disputed this with XXXX and they did not remove the account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-02-2018 about Mortgage (VA mortgage) with U.S. BANCORP (VA).
Issue: Trouble during payment process

Complaint: I received a letter from my lender US Bank stating my mortgage was audited and found that I am now required to carry flood insurance. At which point I acquired the required insurance and forwarded the proof to US Bank. The original analysis date was marked XX/XX/XXXX. I was told via phone that the charges to my account would be remitted. I was post charged from the date of the new flood maps covering dates from XX/XX/XXXX to XX/XX/XXXX. I received another notice dated XX/XX/XXXX stating that I am still being billed for the previous year. I have been able to find the instance stated by consumerfinance.gov that states a required 45 day hold before coverage is applied by lender. Please advise me if I owe this balance or I am not able to be charged.

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 04/20/2015 about Debt collection (Medical) with Designed Receivable Solultions, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint: I went to apply for a loan to buy a house, and it turned out I have collection reported on my credit report. when I called them it turned out I have a bill of {$340.00}, I do n't know where that came from, I have health insurance. but I decided to pay it same day because I never had any collection or debt in my whole life. the man from the collection company is called XXXX XXXX, the company name id designed receivable solutions ( www.drsi.ws ) and their address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX told me if I paid the bill I will receive a letter from him that I paid my debt and they will report to the XXXX credit companies that I am clear. the payment was made XXXX/XXXXXX/XX/2015 and you will see the transaction in the document attached. since that day until today I 've been calling him everyday and he is ignoring my calls saying I sent you the letter. I asked him to email it and he said that he cant, I asked him to ship it with tracking number and he can charge me for the shipping he refused, I begged him to send it and my last phone call with him, he said that I should realistic, and that I should have known better that he will not send me anything. and he did not remove the collection from my credit reports. 
I am really helpless and this is really unfair, I am the one who called them and paid my debt and he promised he will send me the documents and he is not. my life is ruined from this situation, I could not get the loan for the house. and I paid it. this is really unfair. please I need your help with this matter. just make them send me the letter and clear the bill from my credit reports. I had a high credit score but after the collection record came on my account, my credit score dropped. I never had any debt in my life. I pay my bills in time. this is really unfair and Sad. I really appreciate your help.

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