BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-20
Company: CITIBANK, N.A.
State: VT
Product: Credit card
Issue: APR or interest rate

Complaint:
I switched my Citi platinum card to a Citi cashback card. Shortly after switching, they offered me a 5.99 % APR on new purchases through XXXX/XXXX/17. I signed up for it, thinking that while I always pay off new charges every month, it would be nice to have a lower interest rate just in case. After sending an amount to cover last month 's new charges, plus an additional {$100.00} to cover balance transfer amounts I had on the card at 0 % APR, I was surprised that I was charged an interest fee of {$2.00}. I checked Citi, and it looked as if the amount I put towards my new charges was not applied to the new charges since they were sitting not in the new interest charges section of my statement, but in a separate offer ( # XXXX ). I wrote to Citi to say that I had expected that new charges would have been paid off first when I sent them money, and even if it was in a different offer, that my payments should go to pay off the highest interest offer first. This was their response : " Thank you for your inquiry. 
Please be advised Each month 's minimum payment due is applied in the following order :? Past due amounts ( if applicable ),? Current interest charges,? Principal balances in APR order from lowest to highest. 
If the Annual Percentage Rates ( APR ) are the same, the offer with the earliest expiration date will be paid first. 
Amounts in excess of the minimum due are applied to balances with higher APRs before balances with lower APRs. 
We are unable to apply the payments which will be applied to higher interest first. 
If you wish to cancel enrollment from offer XXXX kindly respond back to this message. 
If there is any way we can be of further assistance, please feel free to contact us. " I wrote back that they should cancel offer XXXX and also refund me the measly XXXX dollars and change they charged me, but then I realize that I basically have to pay both last months charges AGAIN in order to have that amount wiped clean and so I do n't gain any more interest. To me, it seems predatory that they would apply additional funds beyond the minimum amount to cover lower interest offers over higher interest offers. Also, it is a financial hardship to have to pay the same amount again so as not to incur future interest. I am incredibly disappointed in Citi and told them that I would be writing to the CFPB. I have asked Citi to refund my interest and move my former " offer XXXX '' balance to a 0 % offer to give me time to pay it back without incurring future interest, since I have effectively already paid back that amount. This would be the same as if they took the payment I made, applied it to the new charges and reapplied that amount to XXXX of the 0 % APR offers the money did go to.

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 2017-01-15
Company: CITIBANK, N.A.
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I alerted my credit card company XX/XX/2017 that there was a fraudulent charge on my CITI credit card. I was told I would not be held responsible for the amount of {$3800.00} plus the processing fees totaling over {$100.00}. I had a paperless account but was sent balance transfer checks to my mailbox - often twice a month. One of these checks was stolen from my mailbox and used with a forged signature for the amount of XXXX. I was told an affidavit would be sent by mail to my mailbox within the next few days along with a new card/with new account number. The card came by FEDEX. The affidavit never came, but new balance transfer checks came XX/XX/2017, after I stipulated that no more were to come on XX/XX/2017. I called back XXXX and had to speak with 5 different people. The {$3800.00} is still in my balance owed on the card. There is no verification online that a dispute was filed. I was told by multiple people that they could not give me verification of the dispute regarding the {$3800.00} fraudulently put on my card via stolen balance transfer check. I repeatedly asked to be transferred to someone who could better assist me. The fourth person XXXX in XXXX ( XXXX ) said all the information would have been sent to my message center online. He said there were 4 messages regarding this matter in my message center. I had not been told these messages would come to an online box previously. No e-mail alerted me to their presence. I had him close my account since the previous people gave me conflicting information, and balance transfer checks would still be mailed for 2 more months. I then checked my message center online and no messages generated this year were there, and there still was no evidence of the dispute that I filed XX/XX/2017. I called back and asked for him, but was given XXXX in XXXX ( XXXX ). She verified that no messages regarding the dispute had been sent to me in my online message center. She also said it would take at least 30 days before the account balance would be corrected ( removing the {$3800.00} charge and associated fees ). She said at that time I may get an affidavit in the mail or sent to my message center. All the way around, each person who I spoke to gave me conflicting information but all refused to give me verification of the dispute in writing. People should think seriously before opening an account with them. Their associates I spoke to all had conflicting information. The last associate at least verified nothing had been sent to my online message center. She still was unable to provide me with written information verifying the dispute. The fact they kept mailing out balance transfer checks to a paperless account that had requested no mailings is perplexing. They invite fraud by doing this routinely.

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 2015-05-28
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
in 2006 XXXX, I refinanced my XXXX apartment buildings with Washington Mutual. The person was a saleswoman working for Washington Mutual.we refinance the loan, and it included a Yield maintenance clause. this clause was explained to me in great detail by the saleswoman. And it goes as follows as she told me. 
This is not the same as prepayment penalty because there is no prepayment penalty with this loan. This is maintaining the yield. So if the interest rate goes up during the time of the loan, and you want to pay off the loan, the bank can easily lend the money for another 10 years and make more money therefore there is no prepayment penalty involved. On the other hand if the loan rate goes down by one or two or 3 % whatever,, then you have to pay the difference between what the bank can get to invest the same money for another 10 years and what your rate is and just pay for the duration of the loan. 
This was explained to me again and again and that is why it is called yield maintenance. 
Now I want to refinance the loan, the rates are obviously significantly lower. The 10 year rate is at about 2.2 to 2.4 % .I understand that. So I wrote to the bank that I want to pay it off and then send me back a calculation that is so convoluted and makes no sense to me at all. They want me to pay a premium that is extremely high and is nothing else but trying to take advantage of the situation.. I talked to the bank and they gave me some explanation that I do n't understand. I had the same document looked at by other bankers and they seem to be confused if so convoluted. 
Bank keeps saying that that 's what I signed on the document. And I keep telling them yes I signed the document but this is what I understand I was told and this is what I still understand. They refused to give me the telephone number of XXXX who holds the loan. I have called XXXX also and they gave me your information to contact you. 
XXXX issue of the same loan is that this penalty is supposed to be until maturity and yet I 'm allowed to prepay the entire 180 days before the maturity. But when I want to prepay early they want to charge me till the end.. I 'm confused about that too. 
I 'm writing to this because I am getting nowhere with the bank. Bank involved in this case is Chase Bank. I 'm getting nothing else but runaround and a very rude behavior from these bankers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I applied and got approved for the American Express XXXX XXXX ( ending XXXX ) back in XX/XX/XXXX with a XXXX Membership Rewards points welcome bonus offer after {$5000.00} spending. I met the spending requirement at the end of XX/XX/XXXX, and however I still haven't seen the XXXX Membership Rewards points deposited in my account after 5 month. 

I contacted American Express via their online chat with 5 separate occasions ( XXXX, XXXX, XXXX, XXXX, XXXX ), and they all confirmed I have met the spending requirement, and will receive the welcome bonus. The latest contact was on XX/XX/XXXX where the agent told me an investigation is pending to figure out why the points were not issue, but has no ETA. American Express is unable to provide any resolution to this after multiple contacts and complaints.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: CL Holdings LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Accepted a non-contract cell phone deal with XXXX while a XXXXXXXX XXXX 
I received too many dropped calls and returned phone to XXXX pursuant to our agreement. Again, there was no contract. 
A short time later, XXXX placed a collection on my credit report and notified me that I still owed for the phone that was not returned. I contacted XXXX and provided photographic proof that the phone was returned. XXXX then agreed to remove the collection from my credit report. Now, some ( 3 ) years later, XXXX has sold the same debt to another collection agency who has now filed a collection on my credit report for the same phone that was already settled. The new collection agency is Jefferson Capitol System.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-27
Company: Paypal Holdings, Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
( XX/XX/XXXX ) Venmo has deactivated my account without giving me a reason and I am unable to withdrawal my funds. 

I received an email from Venmo regarding my account being frozen and steps to comply to reopen it. I did as requested and sent a copy of my ID for verification. When I didnt hear I followed up on the Venmo chat and they requested again for me to upload my ID. We complied again and Venmo said they will need to pass it on to an account specialist.

The next email we received was regarding my account being deactivate and that all funds will be frozen for up to 180 days and that Venmo will no longer be responding to my inquiries. I emailed saying their must have been a mistake and I would like to know what I did wrong and how I could correct it. I got the same response that Venmo will not be able to assist me further.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-18
Company: Southwest Credit Systems, L.P.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I filed a police and FTC report after realizing that some accounts like this one were unauthorized by me and this is damaging my credit worthiness ... I dont know who stole my information and authorized this transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been a victim of identity theft, my name, social security number and address has been used fraudulently. This information is/has not been on any of the other credit reporting agencies, only TransUnion. The company TransUnion states the FCRA does not apply to them, and they will continue to put negative things on my report and would make my life miserable by putting negative information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-10
Company: OPORTUN FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I submitted this complaint in XXXX : Every single time I call customer service, someone answers and hangs up on me. When I talked to them previously, they said they may have programs to help me pay my balance. However, I contacted them at the start of when I couldnt make payments and they said they had NO OPTIONS to help me. I feel lied to and ignored, and this feels like a scam to put high interest rates on my account. 

The company replied in XXXX and gave me a number to call. However, the number is not active and says its local to XXXX. When I try calling them, they tell me theyre having problems with their system and cant view my account. I tried emailing but they just told me to call customer service. Basically, theres STILL no way for me to talk to an actual person who knows anything and I have little time left to enroll in the Account Liquidation Program they finally submitted to. 

Also, I repeatedly over the last few months or so ( as long as I have been having issues with them enrolling me in this program and straying payments ) have asked the company to stop reporting my missed payments to the credit bureau and adding interest to my account. However, they are still doing this and its further ruining my credit score. I once again ask that I get a phone call from an actual person who has knowledge of this situation and for them to rectify the reports on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Bread Financial Holdings, Inc.
State: FL
Product: Checking or savings account
Sub-product: Savings account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/2022 at XXXX pm, I received an email from XXXX. 

In short, it read " we were unable to approve you for a Bread Savings Account. '' The issue is, I have never applied for a savings account, or any other product at Bread Savings. 

I called XXXX, XXXX, at Bread on XXXX XXXX at XXXX am. She said they have no record of me. When I asked to verify if the above was their email address, she couldn't be bothered.

When I asked to be transferred to Account Protection or Fraud, or website security investigations she just refused.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Navient Solutions, LLC.
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I was to get the information together for Navient to submit to get our payments lowered and a lower interest rate when in the same week I received a call and letter from them to resolve our delinquency. I asked them I did not want to be called yet I received voicemail message from XXXX in their XXXX office stating she was my case manager and wanted a call back. I called her back on XX/XX/2017 and told her that my records should have shown that I asked not to be called and she hung up. This morning XX/XX/2017 I received another call from XXXX confirmed my identity and she hung up. I feel these are harassing phone calls. I told Navient I would get the information together they requested, but meanwhile they keep calling. My complaint is about the harassing phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I received this creditcard ending in at my request.. Icontacted them several times to CLOSE the account, but I 'm still receivingpromotions and statements.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-31
Company: Westlake Services, LLC
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
i got a auto tital loan to buy a new transmission for my truck. i paid WCC blindly on the for over 14 months ..thinking it was also going to help my credit as they told me it would..but i found out they only gave me {$300.00} credit toward the principle ... after over a year of paying {$200.00} per-month. i tried to get mediation with the consumer affairs office in XXXX XXXX with XXXX XXXX, at XXXX. Her e-mail is : XXXXXXXXXXXX. 
XXXX XXXX, Mediator Department of Consumer and Business Affairs ( XXXX ) XXXXXXXXXXXX had a conversation with the manager at WCC : XXXX XXXXWCC Servicing Supervisor, Wiltshire Consumer Credit Fax : XXXXXXXXEmail : XXXXXXXXXXXX said he would write a new contract and i suggested XXXX payments of XXXX each and im out of the contract.. he agreed and never sent the agreement as he said he would in XXXX hrs. 
today 's date is XXXX XXXX he has not sent any file or contact. i have emailed, called and called the XXXX women down town with Department of Consumer and Business Affairs ... no one has responded. for the last 2.5 weeks the collection natzies of WCC have been calling me XXXX times per day-harassing me to pay-being very rude to me-hanging up on me XXXX times-over talking to me ... telling m to pay and threatening me- the supervisor has not called, emailed or sent a new contract- i went to the web page and its down ... not working .... 

-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- issues -- -- -- -- -- -- -- -- -i feel stressedi cant sleepI 'm extremely frustratedi caught a guy looking at my truck in front of my house i think he was trying to repo my truckall my tools and my job needs my truck I 'm am a handyman .. 
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Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-10
Company: Allied Collection Services, Inc. (Nevada)
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I lived in XXXX XXXX during the pandemic. XXXX XXXX on XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX and restaurants were shut down. I could not work or pay rent. A shelter in place order was in affect and I used this to keep a roof over my head. I was in direct communication with my leasing office during. After my lease was up, I moved out, I lived in my new location for two years. I found a couple weeks ago that the unpaid rent was sent to collections 2 years prior. I never received any notice about it. The original amount {$11000.00} for rent and move out fees. They kept my deposit. The amount is now {$12000.00} after collections late fees. My issue is that I am now trying to buy a home, permanent and safe housing. This amount is on my credit report and keeping me from getting a mortgage. I do not think that debt incurred during a pandemic should be held against me for future endeavors. We were all in impossible situations and it should not keep us from moving forward. I understand that the amount still may be due, but I should not incur a credit hit. I have spoken with the collection company and they refuse to work with me in any way.

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 2022-11-10
Company: Paypal Holdings, Inc
State: OR
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I received a debt collection from you for Paypal & the Reference # XXXX for {$55.00}. We have a pay pal card & Account which everything I owe goes on the paypal account & I have no idea what this charge is for & wonder why it wasn't submitted to my paypal account. I will pay it if I owe it but I have no Idea what it is for?? 

Reference # XXXX & Account # XXXX Please respond to XXXX with the information requested! 

Thank you, XXXX XXXX

Company response to consumer: Closed with monetary relief