BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-15
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Phone # ( XXXX ) XXXX XXXX, TX XXXX XXXX # Synchrony Bank ( PayPal Credit # XXXX ). 
In regards. Case No. XXXX for {$1500.00}. I purchased an item that turned out to be a forgery. I used the card issued by Synchrony Bank ( PayPal Credit # XXXX ). I asked PayPal to assist me in returning it to get my money back as per their money-back guarantee policy because I couldn't contact the seller and he no longer has a shop. PayPal refused to send me a printable shipping label so that I could print it and return the item. However, they sent me the seller 's address in XXXX and asked me to return the shipment to him with my own money, which I did, and after a month, the shipment was returned to me because the address they gave me was incorrect and they refused to compensate me. I called customer service seven times, and the hold times were unreasonably long and inexcusable for more than XXXX hour and XXXX minutes at a time, repeatedly transferring my call. There are numerous reasons for my dissatisfaction with unprofessional customer service that provides no solutions but insists on keeping my money.

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 2022-11-15
Company: Exeter Finance Corp.
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: Account information incorrect

Complaint:
I've reached out to these companies letting them know this is a violation of FCRA which ensures the accuracy and fairness and privacy of the information in consumer credit bureau files.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: CITIBANK, N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
During the process of selling my current home and buying another I found out that I could n't sale, according to the Loan Officer it appear I had a dispute in my credit history apparently due to a foreclosure like issue, that prompt me to look into it. 
It begin XXXX when I tried to refinance through Home Affordable Refinance, at the start of it I was told that I qualified even though I had no late payments but later I was told that I did not qualify, but yet CitiMortgage offered to refinance for a lower interest rate, the process was very confusing but they reassured me that it would not impact me negatively in any way, during the process I was asked to under go a trial of XXXX months making payments equal to {$650.00} and again we asked if this would damaged my credit but they reassured me again that there would not be any problems while the new loan became active and then resume payments at the new interest rate ( by the way the new interest rate actually went up less than a XXXX of point from 4.625 % to 5.000 % and the new mortgage only reflected a {$69.00} monthly savings and they took it from a XXXX fixed ). Not even close to what they have promised to lower the interest rate keep the 30yr fixed and save {$280.00} monthly, but even more confusing was to find out through the Loan Officer that the execution of the refinancing provided by CitiMortgage did not take place the same year they approved it XX/XX/XXXX but rather they executed the loan XXXX years later meaning XX/XX/XXXX at this point I 'm still confuse on what took place and I do n't know if any of my payments were credited to the loan and how did I come to have a dispute based on late payments that never existed. 
Now they have not only ruin my credit history making it difficult to sale and buy a new home, but also took advantage of me by extending the loan and not delivering what they promised. Lately I 've received XXXX letters via XXXX Urgent where CitiMortgage wants me to refinance again and to take advantage of the new low interest rate, I have lost all trust on that organization and I often wander if what they are trying to do is cover up the atrocity they committed to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-15
Company: Credit Karma, LLC
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I filed a complaint with Credit Karma on XX/XX/XXXX about numerous transactions that were done using my debit card. I had been admitted to XXXX XXXX earlier in XXXX  and was still an XXXX  there until XX/XX/XXXX. The person who took my card made many transaction. Credit Karma approved the smallest claims however when it came to these transactions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  They refused to refund my money even though it was physically impossible for me to make these transactions while I was laying in a XXXX XXXX I have emailed and called Credit Karma numerous times and they will not get respond to me. The refuse to give me my money back even though I have even sent them supporting documentation that I was XXXX XXXX XXXX XXXX during the times of these transactions. I just want my money back and at this point money for stress and damages due to the fact that I collect XXXX and this is the only money I get a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: Midwest Recovery Systems
State: NC
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had been receiving phone calls that I owed a {$790.00} payday loan which I never asked for and never received. Now a company named Midwest Recovery Systems XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, MO XXXX has placed this charge on my credit report which is affecting my credit. I never received a loan nor will the company provide any documentation stating that I received any monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-15
Company: Paypal Holdings, Inc
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I have been trying to close my PayPal account since XX/XX/2022. They informed me through email after I closed my PayPal credit account within 7 to 10 days they could close my PayPal account. They have refused to close my account. I have a confirmation email and # XXXX that my PayPal credit account was closed as of XX/XX/2022 yet they refuse to close my regular PayPal account. I have spent over 6 hours on the phone with them arguing back and forth. I just want my account closed. I have followed their instructions and now it's time they do their part and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-01
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
Thank you for considering my problem, I had XXXX credit card accounts with citi. When my wife and son XXXX I applied for a program to modify my payments on XXXX of the cards. That program closed my account but reduced my interest to 0 %. I entered into auto pay programs for both account. I kept the XXXX account open even though the interest rate was 29 % because I would occasionally need to use the available credit. I have XXXX year old boys and have had inconsistent work since the tragedy in our family. Recently citi informed me that they were closing my second account. Their reason was I had entered into a payment program with them on the other account. This outcome was never presented as a possibility when I entered into the agreement. I had approached them about entering into a similar program where I would pay off the entire principal at 0 % interest. I was told by the person assisting me that due to the way my account had been closed there was nothing that could be done other than let my account go to collection. Citi advice was then to allow my credit rating to be effected negatively in the hope that I could enter into a program to pay off a debt made up mostly of usurious interest charges. This seemed unfair. I request help. Thank you.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Arbitration

Complaint:
i contacted the company related to moving some of my personal items from XXXX, XXXX to XXXX XXXX. Initially there were 10 medium boxes, i cabinet, 10 dining chairs, 1 dining table and 2 coffee tables. The quote given to me was for {$1700.00} and i was to pay {$600.00} which i did. A few more items were added and the estimate went up {$2100.00} and the down payment increased to {$850.00}. I paid the differential in the downpayment of {$250.00} for a total payment of {$850.00}. On the pick up date the driver refused to honor the contract and stated that it would cost nearly {$5500.00} to move the goods as in his view the goods to be moved had increased. I refused that as there was no increase in the goods to be moved. Since i refused to pay any additional amount from the originally contracted amount the driver left and the moving company refused to give back my initial deposit. They later offered to give me back 50 % of the deposit which i refused as I want the full amount. This is a classic bait and switch operation. 
I contacted my credit card company to stop payment and they initially reversed the payment and later refused to entertain my request as they said that the terms of the agreement were that deposits are forfeited once paid. The contract was voided once the driver refused to honor the contract till i paid more which i was not ready to entertain. The credit card company should have known better and even after i provided them with all the information they refused. Not only have they reversed the charges ... but are charging me late fee and interests on this amount

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 2022-11-15
Company: CCS Financial Services, Inc.
State: NH
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a debt collection letter from Credit Collection Services on XX/XX/2022 stating that I owed {$580.00} to XXXX XXXX The following day XX/XX/2022, I contacted XXXX XXXX via live chat, and, their representative informed me that there is no balance due on my account and to ignore any such mailings.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Macy's/American Express card was compromised. I called company of fraud charges on XXXX/XXXX/2016. The fraud activity that took place in XXXX and XXXX. I have not been to either of those XXXX states and had my card in my possession. The card company stated they would send me a document for dispute that I needed to complete & send back to them via mail only. I completed the form and sent it on XXXX/XXXX/2016. I checked XX/XX/XXXX & they claim to not have received it so I sent another statement of fraud on XXXX/XXXX/2016 via certified mail. I have proof that they received the statement of fraud on XXXX/XXXX/16 but I have not received a letter acknowledging they received my dispute, and they have not solved my case that keeps accumulating finance charges.

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 2015-07-06
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
The new IRS regulation limiting the IRA rollovers has put a burden on those of us who have saved for retirement and are trying to manage our own investments without paying fees to stockbrokers. IRS publication XXXX, XXXX XXXX, 2014 states that " trustees are encouraged to provide the customer a check made payable to the receiving IRA trustee. '' This would satisfy the trustee to trustee requirement. Citibank refuses to accommodate our request and instead wants to charge us a {$75.00} fee to use the trustee to trustee transfer method. We feel that we have been penalized enough and are at a loss as to how to cope with continuing to have to deal with regulations that are not friendly to the customer. 
We realize that you do n't control interest rates, but before we could at least move our retirement accounts around to get the best interest rate, however meager.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-18
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
During the summer of 2014 I entered in to a payment agreement with Citi for the resolution of my Sears credit card. I set up an automatic payment of {$74.00} a month, and they locked my interest rate at 9.9 %, and closed the card to new charges. My {$74.00} payment has never been late, but Citi has been reporting my account as late for the last 30 months.

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 2016-02-13
Company: CITIBANK, N.A.
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Citi bank issued a promotional VISA card to me and I have about {$50.00} left on the card. Citi is saying that the card has expired after 6 months and it has no contact information on the card so I could inquire about the balance. After doing an internet search to try and contact them ( since information was not provided on the card ), I found that their website states that, " The Citi Prepaid Card expires after 12 months from the issue date. '' The card was issued to me on XXXX/XXXX/XXXX, so even according to their website, I should be able to finish using my card. 

I feel that this is in violation of the Credit Card Act of XX/XX/XXXX, under Title IV on Gift Cards, where the law states that : " the expiration date is not earlier than 5 years after the date on which the gift certificate was issued, or the date on which card funds were last loaded to a store gift card or general-use prepaid card. '' I feel that they are in further violation of this Act by not providing contact information on the back of the card in order to obtain further information and by not posting accurate information about this account online for public viewing. I attempted to contact them ( on XXXX/XXXX/XXXX about XXXX AM PST ) to rectify the situation and they refused any type of satisfaction.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I'd like to remove permanently my fraud alert and consumer statement, so creditor cam view my credit.

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 2016-01-10
Company: CITIBANK, N.A.
State: DE
Product: Credit card
Issue: APR or interest rate

Complaint:
I am questioning the way Citi calculate the revolving balance. I did not make a full payment in XX/XX/XXXX XXXX actually I made a payment a little less than the statement balance way before the due, but forgot to pay the rest part because there is no reminder from citi telling me i had a remaining balance ). So they charged an interest on me. Then in XX/XX/XXXX after the new statement came out I made full payment but Citi still charged interest on my account which i totally do n't understand. I called them. The customer service said once you have revolving balance, interest will be charged until the 2nd billing cycle even if I paid off the balance, which sounds quite ridiculous. I asked for waiving the interest charge which my other credit card company like XXXX and XXXX allows, but got refused by Citi. I do n't know how the balance was calculated and I was never told before this call. Just want users to be careful when using Citi 's card. Their rules are not clear to you until you got hurt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-31
Company: CITIBANK, N.A.
State: WA
Product: Credit card
Issue: Rewards

Complaint:
I am writing regarding a rewards credit card. My points earned in XXXX posted the account in XXXX. I had earned {$1200.00} worth of points/gift certificates in the period for the posting date ( 30 days later ) of XXXX XXXX. The points were redeemed for target gift certificates. After redemption, per Citicards agreement Citibank has an additional 30 days to mail the earned points certificates to the client. On XXXX XXXX I received an email from Citicards notifying me that the {$12000.00} worth of gift certificates had shipped. When I contacted them on XXXX after not receiving the gift certificates, I was told by a " supervisor '' that the gift cards were not able to issued by their vendor with no apology and that the points are now being reposted to the account but wo n't be available until XXXX XXXX, and that Citibank/Citicards will ship them 30 days after they are redeemed again. 

As a consumer, there is an agreement. My points take a month to post and then when redeemed the credit card company processor has 30 days to comply. The gift cards should have been sent by the latest date of XXXX/XXXX/15 however the order was unfilled without notice ( other than the email sent showing that they " mailed them '' ) due to Citicards failure to comply with their cardholder agreement. 
I was told by operation XXXX in the Florida XXXX order, Team # XXXX that it was " my fault because I chose not to get cash back and instead chose gift certificates '', which is why Citibank failed to comply with the cardholder agreement. 
I was then told that I would receive a call back 3 days later on Saturday, but it would more likely be Monday regarding this but there was XXXX INTENT upon doing anything or HONORING their cardholder agreement. 
At this point, Citibank 's negligence is shocking and their customer service is deplorable. I signed up for the credit card after being a Citibank customer for 10 years, with the intent to follow the credit card holder agreement but yet Citibank has illegally failed to do so on their part. The rewards gift certificates will not even be received until XXXX XXXX at the earlier because of they wo n't repost to their system until XXXX XXXX and they have 30 days to send them from there. 

In short, Citibank is attempting consumer fraud by their complete disregard for the cardholder agreement and the failure to provide goods as agreed upon.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I had XXXX XXXX XXXX XXXX XXXX. XXXX was with Citi Bank and I cancelled the card in order to avoid the {$100.00}. annual fee. The other card was with XXXX. I owed {$550.00}. on the XXXX XXXX. I scheduled a payment to XXXX account for XXXX XXXX on my Bill Pay at XXXX XXXX XXXX ( XXXX ). XXXX changed their Bill Pay Web page and I had to reenter the XXXX Credit card account number. When I did this the XXXX site popped up with a notice that the account was recognized and there was no need to add more information. What XXXX Bill Pay sent my payment to Citi Bank! Citi Bank cashed the check on XXXX XXXX. XXXX called to tell me I was delinquent! That was when I researched the payment and found out that Citi Bank took the money. I payed a minimum to XXXX over the phone and they reversed my late fee. Meanwhile I printed a copy of my cashed XXXX Bill Pay check that Citi Bank had cashed. Citi Bank had hand written an account number onto the check that I did not recognize. I called them and told them what had happened. They told me that they had applied the payment to an account that was forgiven in a Bankruptcy filed in XXXX and that I could not file for a refund for 30 days. I have to call them back on XXXX XXXX. I 'm not sure they will even refund the money when I submit this complaint on the XXXX. I believe they are in violation of the Bankruptcy Protection Laws if not committing an act of fraud. How can they write another account number on my check when that account is closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief