BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-18
Company: Paypal Holdings, Inc
State: PA
Product: Money transfers
Sub-product: International money transfer
Issue: Other service issues

Complaint:
When I moved from the XXXX to the USA, I was informed by PayPal that I would have to open new account - I could not transfer my XXXX account. Upon opening my new US account, I was told that because I was a new customer, a hold would be placed on any balance over {$1000.00}, because I was a new customer. I had not been informed of this on opening an account, only when I tried to withdraw my balance for the first time. Because I run my business through PayPal, this was a considerable inconvenience, so I called to find out what was going on. It took me several long and expensive phone calls before anyone would tell me why I could not withdraw my balance. I was told that the limit on my account was because I was a new customer, but no one could tell me how long I would be considered a new customer for, when the limit could be lifted, how often the account status would be reviewed, or where I could get more information. After struggling with this issue for several months, losing considerable business along the way, PayPal pressured me into opening a business account as a way around the issue of the limit. Since then, i have had issues claiming and withdrawing payments made to me in XXXX. When I have phoned PayPal for assistance, I have been told that there are technical issues, but no one can tell me when they will be resolved and how soon I will be able to access my funds. I am always placed on hold for at least 30 minutes, and all of the phone calls above have lasted over an hour - not only is this very expensive, but I never get any help from the phone-calls anyway, making them a waste of time and money. The representatives I speak to refuse to give me information on how I can make a complaint, and frequently attempt to get me off of the phone before my problem is resolved. I have since learned that PayPal is being sued for issued relating to illegal holds on funds as described above, but sadly my issued occurred after the period of the claims - suggesting that PayPal is continuing these illegal practices in spite of the previous complaints and actions. If I did not depend on PayPal to run my business, I would want nothing more to do with them - but I sadly do n't have that option. I would, however, like PayPal to be made to recompense me for the poor service, inconvenience, lack of customer support and information, time-consuming and expensive fruitless customer service calls, and damage to my business over several months. I want them to know that their service has been appalling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-10
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I purchased a computer at XXXX XXXX and the salesperson suggested putting the purchase on an Office Depot credit card because there would be no interest for XXXX months. I opened the card at the same time as the purchase. The paperwork that came with the purchase clearly states that purchases over {$290.00} qualified for the promotion ( which my purchase was ) and so did the paperwork that came with the physical card that was mailed to me. I amortized the amount of the purchase over the six months and set my account to autopay the correct amount each month. While reviewing my account I noticed that I was being charged interest on the purchase, contrary to what my paperwork says. I contacted the credit card company ( CitiBank ) and they informed me that I needed to take my issue up with Office Depot. I contacted the manager at Office Depot and he tried to resolve the issue with the card but was unsuccessful. The credit card company is refusing to honor the promotion of zero interest for six months that was advertised in the store and on the paperwork that came with the card. The Office Depot manager offered to pay me the interest in cash, but that is beside the point. The credit card company has clearly charged me interest that it was not supposed based on the promotion advertised at the time of purchase. I doubt I am only person that this has happened too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since Greentree went to Ditech, I can no longer easily make online payments prior to my due date of XX/XX/XXXX. I pay my mortgage at least a week ahead of schedule online. When making payments, there is not an option to choose where the funds are to be allocated. Instead, my monthly mortgage payment is being applied to Principal Only. The result is that it does not register as a monthly payment and I end up " late ''. I have to call multiple times over 3-4 weeks until the funds are reallocated appropriately. Each time I call, I 'm told that it may take up to five days then I get the company tagline of " well, it may take longer because they 're so backed up ''. Even after making several calls and being reassured that no late fees will be applied, I start to get calls at night from Ditech informing me that my payment is late. Their payment system is set up in a way to minimize payments from being made prior to the due date. I would appreciate an explanation as to how to make monthly payments before the due date.

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 2016-06-15
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Other fee

Complaint:
My husband and are Citigold customers - preferred customers based upon aggregated balances with Citibank ( in excess of $ XXXX XXXX. We 've been told numerous times by branch employees as well as Citigold account representatives that with being a privileged customer comes special benefits. One of those benefits is no foreign transaction fees. We were told this on numerous occasions and it applied to all of our Citi products. 

Recently my husband and I were traveling overseas and used our Citi credit card and learned that a transaction fee was charged. Immediately upon our return to the states we contacted Citi bank to alert them to the information we received and we were told that 's not accurate for all products. This seems unfair and deceptive. I kindly asked Citi to make a one time concession for us and they have refused. 

Given the misinformation we received on numerous occasions, I believe Citi is not being clear and transparent with their customers. If this benefit only applied to certain products, then we would have used those products - we have multiple cards with Citi where it does apply. 

I 'd like Citi to refund our foreign transaction fees and be clear with customers on what it means to be Citigold and what it does not mean. And I 'd like them to educate all of their departments on the differences. Instead of just passing the buck of blame to someone else internally.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I saw the Citibank thank you preferred card ad a couple months ago about the offer that I can get XXXX bonus point when I spend {$1500.00} within first 3 months if I did n't close an old thank you card account within XXXX. This is my very first credit with citibank so I went ahead and applied for it, I got approved, spent a couple thousands. Only later I found out the offer was n't applied to my account, so I called them asking about it, the manager I talked to said she will be able to help me to put this offer back into my account and will call me back when this is done. I waited for a month and a half, never heard back from her. So I decided to call in again today, I spoke with another manager and he offered me XXXX points instead of XXXX which I was supposed to get. That is XX/XX/XXXX of what I was offered.

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 2016-02-24
Company: Platinum Holdings Group, LLC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have been receiving harrassing phone calls since XXXX XXXX 2016. The person calling stated they are from Platinum Holdings aka Premium Asset Services aka PAS LLC- from a man with the name of XXXX XXXX . He uses threatening and vulgar language. He is very combative on the phone to the point of belittling you. He has stated that I owe roughly {$7000.00} to them from an old XXXX XXXX credit card account. He stated that I had until next business day to pay or I would encounter a law suit. When I told him I did not have that type of money and that I would need to speak with my spouse about this issue he stated " You didnt speak with your spouse when you rang up this debt. '' then continued to ask me " Where are you going to get money to pay me by tomorrow '' He has also gone as far as to call other part of my family and threatening them as well, calling my mother " a XXXX like her son ''. This type of abuse should never be allowed to take place.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-17
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I was approved for 100 % Veteran Disability in XX/XX/XXXX and a result I was also approve for a Total and Permanent Student Loan Forgiveness in XX/XX/XXXX. Navient was suppose to identify my portion of a spousal consolidation that was to be discharged along with applicable interest. I was told in XXXX of XXXX that they discharged approximate {$30000.00} of the loan balance, but =when I asked for a breakdown of that number I was never given that to validate they discharged the correct amount of my loans as well as the correct interest. I believe the only discharged the accrued interest over 10 years and not the interest an my original principle. In addition they are reporting that I still have an outstanding loan balance on my credit reports with all three bureaus which is not correct since they are no solely the responsibility of my ex-spouse and should be removed from my social security number for reporting purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: COAST PROFESSIONAL INC
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
My student loan is in default and I have been trying to get a income sensitive loan rehabilitation agreement with the loan servicer since XXXX of last year. All of my application and documents are complete. Their apparent unwillingness stems from the fact that they want me to pick up the phone and discuss a payment plan. I have stated numerous times that I will not do this. All of my transactions have been written and sent via certified return receipt mail. My income is negligible, my legal payment will be much less than what they want to illegally coerce by telephone conversation which can not be proven. I have given them multiple chances and 30 day waiting periods between correspondence. The loan servicer does not respond unless forced to- I have a sizeable packet with copies of all written correspondence, documents, and mail receipts, for inspection as necessary. The loan servicer is Coast Professional in XXXX, LA. They are refusing to send me a written payment agreement contract for income sensitive loan rehabilitation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I had been applying for loan online and had been getting call backs from them so when I got a phone call saying that I been approved that all they need to was verify my information so I gave them what they asked my for my online banking and the last XXXX of my SS they told me that frist they had to send money to make sure that my bank account was open and the next day I would have to send it back to them through XXXX so I did as they told me to do and they told me after I did the XXXX that within 45 mins I would have my loan well I wait to the next morning to see if I had got the money when I log on to make account it told me to call my bank and my bank to me that they we closeing my account because it looked like the money the loan people sent me for me to send it back was not there and they were closeing my account and I could no longer ever have banking with them again. The loan company they said they were was XXXX XXXX. When I told my bank this is what happen to me they said sorry but we cant help you. I had my account with chase bank

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received an Amazon.com Chase credit card on XXXX 2016 and just received another letter that an application was submitted for another Amazon.com Chase credit card ( letter dated XXXX ). Both times, I did not apply for either credit card. The first time I received an actual credit card in the mail, canceled it immediately and ensured the card was removed from my credit report. The second notice of an application was actually denied. Called Chase immediately, they canceled the card and also removed it from my credit report. The agent from Chase asked if I was a frequent shopper at Amazon.com. We are and have a XXXX membership. He indicated that applications can be easily submitted when you have an account with them. But find it very upsetting that this happened to us twice when we gave no authorization for a card to be opened. I called Amazon.com and submitted a complaint with them directly, but feel that this is the best way to ensure this is taken seriously.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Paypal Holdings, Inc
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Hello, On XX/XX/XXXX my bank account posted a {$60.00} charge from " Paypal credit ''. We contacted our local bank who told us we had to contact Paypal credit to dispute the transaction. We contacted Paypal credit, who recognized that there had been no activity on our account since XX/XX/XXXX but they refused to acknowledge that the charge may be fraudulent. The summation of our dealing with Paypal credit customer service, was them saying that there was nothing they could do and advised us to " keep better [ financial ] records ''. This is absolutely unacceptable that a business based in banking and credit is able to simply wash their hands of potential fraudulent behavior on their end and treat customers in this manner.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
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:
Transunion has failed to properly verify the account in dispute and have sent a stall letter. My dispute letter wasnt sent from a third party I attached my license and proof of address. They are prolonging my 30 days investigation by sending them letter instead of properly validating or removing the accounts on my file.

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 2016-02-10
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
they are calling my employer to get of hold me and when i call them they are telling me that i have a case in XXXX XXXX they refuse to give me the exact name of their company, address, so i can write a cease and decease letter to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25
Company: CITIBANK, N.A.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
When I got my job at XXXX 3 weeks ago, I was ecstatic. I had no income for the past 6 months and my girlfriend has been supporting me. I reached out to Citibank and went through the process of getting everything set up. Today, I got my first check and wanted to take my girlfriend out to a simple nice dinner. I Googled to see which was the closest Citibank branch, to only discover that there are more Citibank ATMs here in XXXX XXXX than there are branches. I found one near our home, so after work, my girlfriend picks me up & we both decided to go deposit my check. 

Upon our arrival, we see it 's a XXXX XXXX store ; we were n't sure until we see big CitiBank posters in the window, so I thought it was a legitimate Citibank ATM, located inside of the store. After I deposit the check, the ATM spits out a receipt, showing the Amount Deposited, however the Available Balance is {$10.00}. Floored and not happy, I called customer service department and they say that my account was frozen by The Citibank New Account Department because of a paperwork I did n't provide. No call, no email & no letter in the mail telling me this? And you still send me a debit card, PIN, Checking Account number & Routing Number? 

So, we went home and I I 'M Citibank 's customer service, he refers me to Citiphone ( XXXX ) XXXX. The Customer Service lady explained to me that because I went to another banking institution, that I will not be able to have the rest of my money until the following Friday ( XXXX XXXX ). What other bank institution? The Citibank logo in on the machine. 

I asked her if a partial of the funds can be released ( {$100.00} ) at least to buy food for the week. She could n't and referred me to call a branch in the state of XXXX ( XXXX ) XXXX and maybe they can me. Are you kidding me? 

This is the worse bank experience in my entire life.

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 2016-12-02
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Last month I made a payment on my Citi Card account. The payment was for the amount of {$64.00} but for some reason I only paid {$52.00}. Did n't matter though because they did n't even post that amount on my current statement indicating that it was n't paid. They also charged me a {$37.00} late fee also based on non-payment. The amount I was billed this month was $ XXXX contacted their office and was basically given the run around. They apologized for not posting the payment and said the {$37.00} would be removed. I asked what the payment would be based on the fact that they did receive the money last month and the {$37.00} was removed. They told me {$160.00} because of late fees and non-payment. I reminded the representative that that payment was made and they missed it so any late fee did not apply. I 'm fed up with this company and went through the same thing 2 months ago. What can be done?

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 2015-06-26
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home loan was modified by Ocwen Loan Servicing , LLC under the Home Affordable Modification Program XX/XX/XXXX. The modified payments included the loan 's principal, interest and an escrow account, and remained the same until XX/XX/XXXX for the payment due XX/XX/XXXX. This is due to the increase in funds for my escrow account. I was n't notified of this change. 

My escrow account is current. In fact, it had a surplus amount which is supposed to be mailed to me. I inquired about closing my escrow account, and was told that I can not do so because the HAMP guidelines suggests that borrowers ' accounts must be in escrow for XXXX ( XXXX ) years from the date of the modification approval. Is this true? 

Section 4D, Funds for Escrow Items of the executed Home Affordable Modification Agreement state that " Servicer may waive my obligation to pay to Servicer Funds for any or all Escrow items at any time. '' It seem that this statement contradict the information that I was given. Additionally, the executed agreement does not mention a XXXX year requirement period for an escrow account. Moreover, I was asked to google CFPB when I inquired about the HAMP guideline on the XXXX year escrow account period. What is CFPB 's relationship with Ocwen Loan Servicing LLC when it comes to my escrow account? 

Do I have the legal right to request Ocwen to close my escrow account? The loan account is in good standing, and the amount that they are now requesting to fund the escrow will cause financial hardship. Please advice. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11
Company: NETWORK CAPITAL FUNDING CORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
After many calls from the company who stated that they could assist us with getting a better rate on our home mortgage, we promptly sent all our personal informationand signed e-documents to XXXX XXXX of Network Captial Funding. He initiallyappeared to be very upfront, honest and knowledgeable. But was pushing us toget all the stuff to him so we could close by end of month. We asked him straight upif they could do honestly do the loan before we gave our CC number for the appraisal. XXXX was very confident that they would successfully be able to completethe process quickly. But after the appraisal we heard nothing from XXXX. Whenwe by chance got him, his response was brief " It is out of my hands, I only assist with the initial part. '' Four weeks have gone by and no copy of our appraisal wassent to us and no calls or updates provided. We have emailed XXXX and the companyand nothing. We have called numerous times and now we get only voice messageseven from the companies main number. Its like they have dropped off the face of the earth with our personal information, and money for the appraisal. We feel totally taken advantage of and feel like this company should reimburse our money. We didnot call them initially they hounded us. If they could not have done the loan whynot just be forcoming and honest. I think there should be a fine for companies thattake advantage of the consumers.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation