BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-13
Company: CITIBANK, N.A.
State: VT
Product: Credit card
Issue: Credit determination

Complaint:
CBNA did a hard pull for my credit on XX/XX/2016 and it affected my credit sscore

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 2015-09-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Due to website problems, XXXX identical payments were submitted to CitiCard on the same day. When I discovered the error- a Citi customer service rep offered to keep the overpayment & assign future credit, then - as I protested - agreed to 'try to get a refund authorized ' which would take a few days. 
Considering how vigilante CitiBank is for 'fraud ' and late payment - it seems absurd that a {$9800.00} same day double payment could not trigger an alert to me before it was " too late. " In addition, the website problem that contributed to the duplicate payment was additionally obscuring of my account. A $ XXXX payment- noted in the account summary, was not subtracted from Account Due total. Since I was eager to avoid high finance charges, I called customer service to be sure I was paying exactly the correct amount to qualify for NO finance charges forward. For over 25 years I have paid my credit card in full, but discovered that once late payment triggers " XXXX cycles '' of finance charges on exisiting purchases. 
If the website had shown my accurate balance due in a clear way- and if it showed an identical payment already made when the customer service agent manually entered the duplicate ( the website was not accepting my payment from my XXXX XXXX XXXX acct ) - this mess would have been avoided. 
Obviously, there is no incentive for CitiCard to monitor OVERpayments ; holding my {$9800.00} 'hostage ' is clearly a boon top them if thousands of customers are treated similarly. 
There is an easy technical solution- can you make them fix this? 
If you require documentation of my difficulties- I am happy to submit all records & names of customer service contacts. 
Thanks for your attention to this matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: DISCOVER BANK
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I applied for a loan with discover Financial and decided not to accept their terms! They continue to pull my credit report I think it's been 10 times in the last 6 weeks! I've called and asked them to stop to no avail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-12
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I authorized Old Navy to open a new Old Navy store credit account due to the discount associated with this. The Sales associate proceeded to initiate the process, never disclosing that the credit account in question was a Old Navy Visa card. My permission to open a Visa credit card account was never requested nor provided, I only provided permission to open an Old Navy store credit account. Despite this, I received a new Old Navy Visa card in the mail a week later.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: SYNCHRONY FINANCIAL
State: IL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I noticed on my credit report a charged off {$930.00} balance with Synchrony Bank for an XXXX card account. I called the available customer service number, gave them my Social Security number, then was told by an automated voice " we are not taking calls at this time. '' I have tried numerous times to contact the company to no avail. I do not know how I am supposed to rectify my past due debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24
Company: SYNCHRONY FINANCIAL
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I requested fund transfer out from my Synchrony Bank joint saving account to an external bank account I had linked up with Synchrony, but Synchrony kept canceling my transfer requests XXXX times without even an explanation or email/letter notification ; therefore, I was unaware of the reason. Because of the delay on Synchrony part, my check bounced and the external bank charged me {$34.00} fee plus the vendor charged me {$50.00} for return check. When I called Synchrony, their customer service reps including a supervisor named XXXX XXXX from the Kansas call center were rude and basically blame me for not setting up the external links properly. I asked them if that was the case why I never got an email, a letter or a phone call from them as a courtesy. They do not have any problem taking my money, but will not allow me to get my money back? This is unfair, misleading and insulting to the customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX, 2016, I visited Macy 's XXXX in XXXX XXXX, TX to purchase multiple home goods. During the visit, a salesperson named XXXX repeatedly asked me if I were interested in signing up for a Macy 's credit card with the promise of a XXXX % discount. I explained that I was not interested since Macy 's was already offering XXXX % and it was not worth it to me to save the additional XXXX %. She later clarified and informed me that it was going to be a XXXX % statement credit in addition to the XXXX % that I was going to get off the sales price. I asked her if this would be XXXX % off of everything I purchased, and she stated that it would qualify for all of my purchases that day ( XXXX/XXXX/16 ) and the next ( XXXX/XXXX/16 ). She rung up my purchases ( approximately {$820.00} ), and reiterated that I would receive XXXX % off of what I just bought, she even encouraged me to go and buy a dress and additional items so I could maximize the XXXX % discount up to my approved credit card limit of $ XXXX. The next day, I returned to the store and made an additional $ XXXX purchase in home goods. Later that same day ( XXXX/XXXX/16 ), and in a different department, I explained that I was going to use my Macy 's card because I was going to get almost {$400.00} in a statement credit, and that is when a different salesperson ( XXXX ) informed me that the XXXX % statement credit was limited to {$100.00} only. I told her that was not what XXXX had told me the day before. XXXX empathized and encourage that I complain because it was not right that XXXX had deceptively and falsely encouraged me to apply for a card without stating the {$100.00} statement credit limitation. The brochure for applying for the card, which lists the {$100.00} statement limitation, was not provided to me until after I had already applied, made my initial {$820.00} purchase, and was so excited about already saving, what I thought was going to be {$160.00} in a statement credit. So I agree that the information was available to me ; however, it was not presented to me before applying nor was it stated to me during the application process. Instead, a salesperson blatantly lied to me in order to get another credit card since it 's considered " magic. ''

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 2016-11-22
Company: Paypal Holdings, Inc
State: CA
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I purchased a service using PayPal for {$290.00}. The seller instructed me to send the payment through the Friends and Family gift method to avoid paying transaction fees. The seller then disappeared and never completed the service. I noticed his PayPal account is unverified and also uses a fake name " XXXX ''. I opened up a claim with PayPal, and they said that they can not do anything about the dispute if its the Friends and Family gift transaction. They said I can try to chargeback through my bank. However, some of the funds for the transaction were paid for using my PayPal Balance. They said that money can not be refunded. PayPal closed my claim in favor of the scammer and now I can not reopen or escalate the claim. I have proof of the seller ignoring me after payment was sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Paypal Holdings, Inc
State: UT
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I occasionally sell items on eBay and use PayPal to collect payments. I depend on PayPal who has the relationship with the purchaser to tell me when they have received funds and it is safe for me to send out the item they purchased on eBay. I happened to have sold a 1-year subscription to XXXX XXXX that was paid for through PayPal. PayPal/eBay sent me the notification that I was okay to provide the buyer with what they had purchased. It happened to be an electronic key that I provided to the buyer through Ebays messaging service. PayPal came back to me saying they payment was returned by the purchasers bank and that it is not covered by their Payment Protection. So ultimately PayPal received payment, told me it was safe to deliver the product, payment was returned by the bank, and I am liable for the full amount. So I am out the {$57.00} that I should have earned by selling the product as well as fees I had to pay to eBay which is roughly 10 % of the purchase price. The customer used the product, and I paid for it. It was likely a fraudlant transaction from the beginning but Ebay and PayPal allowed it to happen.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-04
Company: I.C. System, Inc.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
During a security clearance reinvestigation in XX/XX/XXXX, I became aware of a {$400.00} collection action on my XXXX credit report for a debt I do not owe. I had this debt removed from the XXXX report in XX/XX/XXXX and it has reappeared under a different collection agency. My XX/XX/XXXX complaint to XXXX County Office of Consumer Protection and the debt collector response are attached. 

I notified the new collection agency, IC System, that I do not owe the debt and requested proof of the debt. It responded with a nonsensical letter indicating that it intends to continue attempting to collect the debt. No proof of the debt was provided. My letter to IC System and its response are attached. 

I complained again to XXXX County Office of Consumer Protection and it sent a letter to the debt collector to which the debt collector has not responded. My XX/XX/XXXX complaint and the Office of Consumer Protection letter to the debt collector are attached.

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 2015-12-30
Company: Paypal Holdings, Inc
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I got a bill from paypal credit. I never signed for a credit acct. I always use my bank acct. to pay. they want XXXX plus interest. I notified them and their bank 6 times. still getting a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Google Compare Credit Cards Inc.
State: DC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My phone was stolen on XXXX XXXX. Before I remotely logged out of my phone, {$1000.00} of poker chips were fraudulently purchased using my phone. That evening, I called Google to inform them of the fraudulent purchases. I also called my credit card company ( XXXX ) to report the fraudulent charges. The charges were flagged as fraudulent and I was not required to pay for those charges. 
Google " suspended '' my Google Wallet account. They have confirmed by email and by phone that the only way Google will end the suspension is if I permit the back to reverse the " chargebacks '' ( i.e., I pay for {$1000.00} of fraudulent charges ). 
Without Google Wallet, I can not purchase additional storage from my Gmail account, risking my ability to communicate with an email address I have used for more than 10 years. I would also not be able to use an Android phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: Paypal Holdings, Inc
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Purchase made through paypal with paypal credit as credit card was fraudulent. Dispute initiated with Paypal. Outcome of dispute unclear. Case was decided against me apparently.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10
Company: Paypal Holdings, Inc
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
A company refunded a payment via paypal on XXXX XXXX. Paypal supervisor XXXX ( XXXX/XXXX/15 at XXXX PST ) stated the funds are unclaimed. I asked her does that mean paypal has these funds? XXXX said, " yes. " I asked them to transfer the funds to my bank and XXXX said they do n't have them. 
There is a serious problem here. She, XXXX, could not provide any cogent answers as to where my refunded funds are. The company that refunded my money said paypal took the money from her account. 
Paypal is not interested in helping the customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Mortgage Research Center, LLC
State: MD
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
I requested a loan estimate from Veterans United Home Loans and received a document with no APR. The quote from them was also missing the loan officers XXXX #.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: Paypal Holdings, Inc
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Twice now within 2 weeks I am having problems with money being sent to me via PayPal that does not show in my PayPal account. The first time it seemed to be due to some glitch with their new website that seems to be missing some features or pages of their old/classic website. Both times money was sent, that I could not withdraw. I could see the transactions saying I had money, but it would not reflect in my account. Basically PayPal received money on my behalf I could not withdraw. The first time the transaction was reversed and the money was sent outside of PayPal entirely. Which seems to be my only option at this time. All I am being told is there is some system issue they are working on with no time estimates when it will be resolved. Yet I am able to receive payments before and after this transaction and withdraw those funds. I am not sure what is going on at PayPal, but if they can not handle others money properly, maybe they should not be allowed to do such at all. Something does not seem right, and it is beyond system issues.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-13
Company: SYNCHRONY FINANCIAL
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
call me sunday morning XXXX a day. numerous calls restricted line and bank call and evine line. tell them I need an extension but will not extend. but calls all times of the day sometime XXXX a day. evine live and syncb bank call me from different numbers and harass me. and threaten me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-06
Company: VALLEY NATIONAL BANCORP
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On Saturday XXXX XXXX We my wife and myself attempted to have coins redeemed at Valley National Bank in XXXX XXXX NJ that my wife 's father had accumulated over the course of the year. 
We had meticulously counted the money and the total was approximately XXXX. The bank personnel assisted us by pouring the money into the counting machine. During the transaction the attendant stopped the machine and loaded an empty back to accept coins. 
After this the machine totaled XXXX cents. I have contacted the bank to no avail. 
Someone is either scamming the machine or it is miscalculating the amounts. 
I am a retired XXXX and am not unfamiliar with unethical behavior. I can be contacted at XXXX my Name is XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-06
Company: Flagstar Bank, N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Do to health issues, loss of employment and a divorce I fell behind which sent me in to the foreclosure process. This started in XXXX, I made every attempt to get a loan modification. I was assigned a Single Point if contact, XXXX throughout the 3 yr process. I 've never spoken to XXXX them. I 've spend over 40 hrs on hold, being transferred to n fro from Dept to Dept. I ended up having to file bankruptcy to get them to work with me. This entire bankruptcy cost me more than my arrears. I finally got my loan modification in XXXX of XXXX. Thank you. But because I was still in the bankruptcy process I was n't allowed to make payments online. To make a payment by phone I 'm charged an extra {$15.00} per month. I 've been told for 3 months now I can pay online but when I try, I receive a msg telling me I have to call. Then I 'm charged extra, on hold and bounced to a minimum if XXXX depts and told I should pay online to avoid the {$15.00} charge. I 'd love to. I 'm very grateful to have gotten the loan modification and am doing great financially but feel I 'm still be prohibited from paying in a normal manner, and charged a bogus fee. This month I started trying to pay on the XXXX and was unable to get payment thru til the XXXX due to being bounced and on hold. I have to work, when I 'm available to hold for extended periods the phone lines are closed. Sometimes people really are trying. But the loop and hoop sytem puts them further behind.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: I.C. System, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX has sent me a bill to XXXX different collectors from my mother in laws XXXX account when we lived at her address. The account in reference does not belong to me or my wife.

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 2016-03-20
Company: Paypal Holdings, Inc
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
Please see attached thank you letter I wrote to bill me later for finally correcting the numerous errors on my account and that I truly appreciated it. XXXX-XXXX % of every issue was corrected in my favor. Then I show them my statement just printed for XX/XX/XXXX. Once again they made another error. Circled on page XXXX of statement it says the {$190.00} charge in dispute I do not have to pay yet??? This was a XXXX ticket which delta finally processed a refund for {$190.00} after I called them. Pay Pal received the XXXX refund and notified Bill me later. Attached please find deltas emailed receipt showing this ticket as " XXXX '' status. Which means it was refunded. So why they have not updated this I have no idea. In addition I have been with Bill me later for years, always pay my bill 1 day after bill prints never paid interest, never late, XXXX % payment record. So I must say I received no communication at all except again on page XXXX of this statement in middle it says " Youre account is closed ''???? I have asked them why? No response. It appears even though all disputes were their error and found correctly in my favor they have retaliated for asking for your assistance by not telling me but closing my stellar account. Unbelieveable. What route do I need to take to get this account opened?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Paypal Holdings, Inc
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I elected to start using PayPal for most of my online purchases and I chose the option to have the purchase go to my XXXX credit card account. That worked just fine in the beginning. Then one day I started to receive e-mail notices that my PayPal account was past due. I could not understand this because my purchases were supposed to go my XXXX card account, where I could pay them off each month. As it turns out, I had XXXX purchases that went to my " PayPal Credit '' account. I knew I had a " PayPal '' account, but I did not know I had a PayPal Credit account. At any rate, I contacted PayPal about the matter and I paid them for the XXXX purchases I made, but I requested that they waive the Finance Charges and Late Fees. I asked them to close my account and told them that I would not use their services to pay for purchases. 
Evidently, these request to close my account and waive the late fees went completely unheeded. I have read about PayPal being sued by Consumer Financial Protection Bureau about this exact matter XXXX XXXX 2015. My transactions were in XXXX 2015, so that should have stopped their deceitful practices long before.

Company response to consumer: Closed with explanation