davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-27
Product: Credit card — 
Issue: Balance transfer — 
Company: PNC Bank N.A. (NJ)

Dear CFPB, Last month I applied for a balance transfer with PNC Bank. I asked the customer services representative would there be any interest that I would be responsible for and they explained to me no. I sucessfully completed the balance transfer. This month I received a fee of interest for using my card. I called and was told that any " future purchases '' I made with my credit card that I would be responsible for the fee. Not only did the customer service representative not seem to care, she did n't even assist to escalate. I contacted the PNC escalation area who said they would research this and they never called me back. I feel as though I was baited and switched and the bank does not care. All they are concerned about is making fees off customers and putting it in their pocket. I want the fee removed from my credit card account and returned to me. Any assistance in escalating this matter CFPB it would be appreciated since no one will return my calls as promised.
Consumer complaint received 2017-02-02
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (NJ)

Submitted in a timely manner a billing dispute online directly with PNC Bank. Reference number for dispute is XXXX, was sent a " debit card transaction dispute form '' for the dispute in the amount of {$57.00}. The form was completed and faxed to the above mentioned bank on XXXX/XXXX/17 ( all proof attached, including the fax transmission form ). Of course, the incompetent staff at this bank either lost, shredded, thrown away my documents. The bank sends another of the same form to me dated XXXX/XXXX/17, they already had my fully completed information for 3 days!
Consumer complaint received 2016-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

CHASE CHECKING XXXX STEALS {$6.00} FROM XXXX XXXX DESPITE CHASE WAS ALREADY REIMBURSED {$6.00} BY THE LYING SELLER WHO CROSSED OUT THE BOOK I WANTED AND SUBSTITUTED A RANDOM BOOK HOPING I WOULD NOT COMPLAIN. SEE ATTACHMENT.
Consumer complaint received 2015-08-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MD)

I and my wife experienced financial difficulties with paying our mortgage. The loan was interest only serviced by PNC Bank and owned by XXXX XXXX XXXX. Our home was placed into foreclosure and we hired a realtor to short sale our home. We hired XXXX XXXX XXXX, XXXX. to assist us with our mediation requests in Maryland and to process our short sale. We have a XXXX XXXX son we have lost all overtime. We attended XXXX mortgage mediation hearings over the last 7 months. At each hearing the representatives of PNC Bank would not review our home for short sale, but retention and told us that what the system does. We always filed out documents for short sale and we received short sale acknowledgements from PNC in XXXX 2015. PNC also conducted a detailed value analysis and their value came back at the same value our realtor listed our home for. The purchasers have waited 8 months to purchaser this home and they are now about to withdraw their offer. PNC refused to review our family for a short sale. All our Request for Modification documents stated short sale request.
Consumer complaint received 2016-04-12
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (PA)

By my mistake I made an online bill payment ( Through PNC Bank ) paying one bill in lieu of another. I attempted to place a block or stop payment online while the funds were still " pending '' status but the online system told me to contact customer service to continue. I placed a call to PNC Customer Service whom advised although my account online said the money was " pending '' the money was in fact out of my account and with the company.
Consumer complaint received 2016-06-21
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NC)

XX/XX/XXXX, PNC Mortgage forcefully evicted me and my family from our home of 16 ( sixteen ) years, all because I refused to further alter the conditions and stipulations of a Loan Modification that I had entered into with this same mortgage company two years prior, and which would have resulted in my monthly mortgage payment increasing almost {$150.00} more than the amount agreed upon in the Loan Modification. This lousy mortgage company forced me to find a new place to stay and move within 10 ( ten ) days. Now, even though they 've put me and mine out of the house, these miserable cretins have the temerity, the nerve, the unmitigated GALL, to send me a XXXX letter telling me I 'M " responsible '' for maintaining the upkeep of the house. Can you believe this XXXX? Now, they absolutely refused to even work with me, even though I had offered on several different occasions, to resume making my monthly payments. They just forced me out. This PNC Mortgage needs to be investigated and some sort of sanctions placed on them for the incredibly LOUSY way they are treating people.
Consumer complaint received 2016-07-19
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Bayfield Financial, LLC (WI)

On XXXX XXXX, XXXX I received a garnishment notice from Bayfield Financial, LLC via a plain letter mailed to my sister 's address, which is my address listed for the WI DMV, with an attached income worksheet. Upon further investigation of the stated case information through the WI Circuit Court Access website, I learned of a small claims judgement from XX/XX/XXXX that I was previously unaware of. I have no knowledge of a notice to appear ever being issued nor signed for. After nearly 10 tax years, XXXX jobs ( including 6 years of military service ), and multiple address changes I am now being notified of a nearly {$1400.00} judgement that has accrued an additional {$2000.00} of interest. I have researched Bayfield Financial, LLC 's role and determined that they may have purchased my " debt '' back in XX/XX/XXXX and have a history of unlawful practices such as this. My complaint is that they did properly notify me to appear via certified mail nor file a garnishment/tax refund interception for the past 9 years while interest has continually accrued. They also did not include any information about the original debtor so I can try to determine the full scope of the situation.
Consumer complaint received 2018-05-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NJ)

I disputed multiple inaccuracies on my account without success I would like them deleted immediately Account XXXX Account XXXX also late payments reporting that were never late XXXX XXXX   Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX
Consumer complaint received 2015-04-24
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (IN)

I have had billing issues with Synchrony bank XXXX XXXX cars. I have always made my payments on time never been late. I called in XXXX to get my regular balance for this card, not any of the promotional balances was told I owed XXXX, so I paid that in full, I have them telling me now that I owe XXXX and they charged me a XXXX late fee, I have XXXX promotional balances, No INTEREST, that have not expired, I have talked to so many people and supposedly a manager XXXX yesterday and there is a charge out of ohio for XXXX that I did not put on there, and no one knows anything, I think they are using under handed ways just to get money
Consumer complaint received 2016-01-03
Product: Credit card — 
Issue: APR or interest rate — 
Company: SYNCHRONY FINANCIAL (NY)

I opened a CareCredit account in XXXX of XXXX. I charged my XXXX treatment to the card ( about {$3500.00} ) and signed up for automatic payments. I arranged for {$120.00} to come out of my checking account each month. I was aware that it was only interest free for 1 year 's time and wanted to pay off at least half of the charges. In XXXX, when the promo period had expired, I realized that CareCredit had been lowering my payment from {$120.00} to their minimum payment. Looking back at my records, they began lowering my payment from {$120.00} to {$91.00} until eventually, {$70.00} was being deducted, something I had not authorized. After doing some research, I realized that CareCredit had been ordered to pay {$34.00} XXXX in a class action lawsuit in XXXX for that very same reason. I did n't know about the lawsuit at the time I opened the account and if I did, I would 've never opened an account with CareCredit. Now, I am paying {$200.00} a month, and it 's as if I never paid anything on my account at all.
Consumer complaint received 2021-10-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: AES/PHEAA (OR)

On XX/XX/XXXX all payments and interest should have been stopped on all federal student loans by order of the federal government. AES, my loan servicer has continued to seek payments, collect interest, and capitalize on that interest. They also say I'm 2 months past due and owe them {$150.00} on XX/XX/XXXX. They have also been harassing me with numerous phone calls resulting in me having to send all calls to voicemail. All of this should have been stopped, period.
Consumer complaint received 2017-02-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I am convinced that Navient has been billing me incorrectly ever since they took over my student loans last XXXX. I have been paying my bills on time and this month I receive notice that my payments are past due to the tune of almost {$400.00}, leaving me with a balance of almost {$650.00} for the month of XXXX ( my monthly payments are always approximately {$210.00} ). When I called to find out what happened, they claim there is a glitch in the system and redirect me to another department. After a 30 minute wait, I was connected to a representative that was making excuses that made no sense, claiming they made a mistake and forgot to bill me for XXXX even though the website clearly stated that the past due was from XXXX. Moreover, they have XXXX past due amounts that were different with the same date XXXX XXXX, 2016?!?!? No matter how I tried to explain how this made no sense, he kept making the same excuse.
Consumer complaint received 2017-04-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC. (MI)

In  XXXX    XXXX   my daughter,  XXXX   XXXX  applied for and received from Navient Income-Driven Repayment Plan. She was instructed to pay {$200.00}, up from the {$110.00} that she had been paying. She made the {$200.00} payments in  XXXX  and  XXXX , confirmed by Navient via email. NOW, my daughter is receiving  " Past Due '' statements!! This is HORRIBLE!    Back in early  XXXX  I was told by Navient customer service that she could get a 60 day courtesy hold on her account, only to find out when she called to get the hold placed, she could n't!!   I want to see  Navient stay with the the monthly payment amount that they set when the application for repayment was processed and stop this constant setting of past due on the account. Navient  has all the contact information to communicate any changes and yet they choose not to use them until after the fact. There should n't BE any changes, it 's ridiculous!   My daughter is making good on her part to get payments made to keep her account in good standing and it 's lik e Navient is doing all they can to sabotage her.
Consumer complaint received 2017-03-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (SC)

I am writing to complain about a recent expierence with my bank Branch Banking and Trust Company. I have had an account with them since XX/XX/XXXX. On Tuesday XX/XX/XXXX I went to my local branch at XXXX, SC, XXXX phone XXXX. I talked to a Branch Team Member XXXX. I requested that my current checking account be closed and I opened a new one. I gave her a list of items I wanted paid and left just enough money in the account so those Items would clear. Also a month earlier I opted out of over draft and ach/ech protection and instructed her not to pay any other items presented, pretty clear cut instructions and she said she under stood. I also deposited {$20.00} in my new account the next day my wife came in to put her name on the account and deposit {$300.00} she was told an item that was not on the list was paid and that she owed {$10.00} more dollars.I contacted XXXX and she politely told me that they could not close my account until all the Items cleared. I asked if I could talk to her supervisor she gave me a phone # where I was told to leave a message no one ever called back. On the morning of the XX/XX/XXXX I went online and found I was charged overdraft fees of {$36.00}, {$36.00}, and {$72.00} to cover other Items I did not authorize. I contacted XXXX on the phone and asked her how much I needed to deposit to close my account for good so no more transactions would be processed she said {$620.00} I deposited over {$800.00} and thought the matter had been taken care of for good. Today I went online and found they processed another item out of my old account and charged me a {$72.00} overdraft fee. I called to talk to XXXX and she would not take my call i explained my story to a teller she told me my account would be closed tonight and I would have a positive balance of about {$60.00} on Wensday XX/XX/XXXX.At the least this is the worst example of customer service I have ever seen. However I think they may even be in violation of some consumer protection laws for one I was opted out of over draf protect but still charged over {$300.00} in over drat fees to cover items that did not even amount to that much. When I politely asked for a refund I was refused, Your assistance in this matter would be greatly appreciated my contact info is XXXX XXXX SC XXXX. Phone XXXX XXXX XXXX, and E- Mail XXXX Regards XXXX
Consumer complaint received 2016-08-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (TX)

I 'm a XXXX veteran living on benefits, got a car on XX/XX/2014. Then fell into financial hardships, got behind on car payments. I knew that there would be late fees as it read in the truth and lending disclosure bracket of XXXX % after 10 days of said scheduled payment. Then come to find out that lenders were charging us what they called " a {$6.00} per diem PER DAY!!! '' if our full payment was not received on the XXXX of every month, on top of the XXXX % late charge fee! Then they take our monthly payment, deduct their " {$6.00} a day per diem late charge first, then the late charge of XXXX % also gets deducted, then and only then whatever money is left gets the principal deducted. I called them to say that I did not see this on the contract or have any knowledge of this crazy rule. If I would of, there is now way in the world I would of signed. Their reply was you " should of read your contract ''. Now we find ourselves so deep in this hole and lost a lot of money, do n't know what to do. I 'm XXXX here with this, it just does n't feel right! Asking for some assistance and information in this nightmare!
Consumer complaint received 2016-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (PA)

I recently applied for a second home mortgage and was conditionally approved and 4 weeks prior to settlement I Informed that since I already have an investment property XXXX of a mile away, I was forced to take the investment loan which at the current rate I locked into would have cost me an additional {$4800.00}. I was told that since I have a a history of investment properties all documented on my tax return, I am not allowed to have a second home. I just sold my primary residence for the only reason to obtain a second home at the shore for my family. 
I do not even have a second home or primary at the moment. My goal was to secure this mortgage as a primary or secondary residence. 

I feel that based on my age of XXXX and Origin of the other property, I was discriminated against.
Consumer complaint received 2015-10-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Recovery One, LLC (OH)

This woman is Caller ID Spoofing my husband 's cell phone number so I think it is him calling. When I answer she wants me to pay a debt that does not belong to me. She says my husband 's company owes it. I do not know how she even got my number as I am not associated with his company. She has stalked my XXXX page, threatened to sue me, called relentlessly and I have asked her not to call. It 's not my debt. She says she is going to call me every single day until someone takes care of it. She even told me to go steal the checkbook and write them a check!!! I find this pushing collection a little too far!!!
Consumer complaint received 2017-03-07
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (GA)

I text drove a XXXX XX/XX/XXXX that was manufactured in XX/XX/XXXX. I did not see any flaws during the text drive. It was bought from a certified Ford Dealer. However, after XXXX weeks of owning the vehicle, a new battery was needed. Thus, it was revealed that the car had been in a previous accident. It did not make more sense to me that there were names already programmed in the XXXX It was not cleared before I signed my name on the line. My first concern is the purchase was in a clear violation of the Lemon Law. Secondly, I do not know if XXXX Ford was informed it was a program car and has been in an accident. However, it was and it proved to me every time I had to reset my blue tooth wireless option. Thirdly, I have been disputing this issue with XXXX directly. I have not received a response. XXXX of XXXX, GA. had to replace the A. C. unit twice. This is only after 2 years of owning the vehicle and still being under the XXXX. I do want this issue cleared and removed from my credit reporting history, which includes all trade lines entered by Ford Motor XXXX. Car was repossessed during my unemployment. Also, I had possessions such as my notary stamp ( XXXX XXXX ) that was not returned to me.
Consumer complaint received 2016-01-28
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation (WA)

In XXXX, 2015, without giving notice and without authorization or approval, First Data Global Leasing withdrew {$990.00} from my checking account for a contract debt which does not exist. I had owned a business, XXXX XXXX XXXX XXXX, and had leased credit card terminal equipment from FDGL.. During this time, FDGL had access to the said account for payment of the leased equipment. Upon the business 's sale 5 years ago, they were notified of the business closing and the equipment was returned to them. I kept the checking account as my personal account. After the sale, I retired and have lived solely on my Social Security automatic deposits. Their withdrawal of the funds caused the account to be overdrawn which took 2 months to get back in the black. So, first, I do not believe I owe them any money having no contract to prove or disapprove this and second, it should not be legal for the way they withdrew money from my account. Also, it has been impossible to make contact with anyone at FDGL and no one returns calls. I am sure they have handled other businesses similarly. My living on a fixed income only made this act more unscrupulous and tragic.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (CA)

I have contacted XXXX XXXX XXXX XXXX and they provided a letter. They stated that they do not have any information on me that should be reported, as they are aware that it is past the Fair Reporting Act limitations of 7 years. The reporting agencies state that US Department is still reporting and but the US Department of Education states they are not reporting. Anyway, although this account was paid in XXXX. The loan was delinquent in XXXX and closed at that time.
Consumer complaint received 2016-05-02
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (NY)

Applied for a refinance. I was told the interest would be 3.09 %. Loan amount {$150000.00} 15 year on a home worth {$500000.00}. Also have XXXX in excess of {$250000.00}, {$20000.00} in savings account and {$6000.00} in checking account, credit score if XXXX. 
Loan criteria became more and more difficult. Finally they offered me a 30 year {$130000.00} loan at 4.00 % interest. They have frozen my accounts and it is impossible to get ahold of XXXX the closing company. 
Quicken loan officer : XXXX XXXX ( XXXX ) XXXX ext. XXXX XXXXXXXXXXXX. 
XXXX # : XXXX XXXX # : XXXX Respectfully XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Consumer complaint received 2022-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (GA)

In accordance with the Fair Credit act XXXX XXXX XXXX XXXX XXXX XXXXas violated my rights. 15 U.S.C 1681 section 602 A States I have a right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
Consumer complaint received 2015-03-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP (ME)

I had previously filed a complaint against Key Bank and now it seems as if they are retaliating against me by charging ridiculous fees. I have disputed their response of that complaint with the details. However, THIS complaint is to get my {$40.00} back for their Rewards Program Annual Fee that I paid since I will not be banking with them DUE TO THEIR OWN ACTIONS and can not therefore benefit from the Rewards Program any further because I am closing my account within the next week or so when I have time to get there and do so. I have already cancelled my direct deposit and now just have to check out some other financial institutions to see where I wish to bank. 
So, the {$40.00} they charged me for their Rewards Program Annual Fee should be returned because DUE TO THEIR ACTIONS I will not be able to " cash-in '' on my rewards points since I will be closing my account soon.