davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-04
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CT)

I have a HELOC on a second home condo in VT. The loan is with PNC. It balloned on XX/XX/XXXX Since XX/XX/XXXX I have been speaking with PNC regarding a refinance .I sent the app XX/XX/XXXX and was denied do to credit ( approx XXXX ). They told me to reapply on XXXX XXXX. At that time I was told i would have to apply for a LM. In the begining of XXXX I was contacted an was sent a LM application which I completed and returned. Approx 4 weeks later i recieved a HARP application. I called a explained the loan did not quauilfy for HARP because it was aHELOC and a second home. I was told I did not know what I was talkin about. Approx XXXX weeks later they called to to inform me the loan did not qualify for HARP and they would proceed with the orignal LM application. In mid XXXX I recieved the LM agreement raising my payment XXXX fold which I signed and returned. During this process i had applied for a refi on my primary residence. Which was approved. Until they pulled the final credi report prior to closing. PNC reported me 90 days late. My score drop from XXXX. As you cn quess I was denied. This loan also would have paid PNC off. the credit reporting proceedure was never disclose to me. I was assured of a refi. Had I known how they operate i would have gone elsewhere when my credit was still in tact. To me this was bait and switch. How could I be turn down for a loan with my payment going from {$86.00} to aprrox {$180.00} but approved for a LM with a payment of {$430.00}. Allso I made the interest payment every month. I am requesting the remove the 90 day lates off of my credit report. This will also have a impact on all of may other credit.
Consumer complaint received 2016-10-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (FL)

I opted in for overdraft coverage for my PNC checking account. I overdrew my account, however, a deposit was made which covered the charges and brought my account to a positive balance on a Friday. On a Monday, another charge overdrafted my account, resulting in me having a negative balance. Instead of counting from the day that my account was overdrafted the second time, PNC began to access " continous overdraft fees '' in the amount of {$7.00} per calendar day which - persuant to the agreement that I signed opting into overdraft coverage - is only to be assessed after an account REMAINS in overdrafted status for 5 calendar days or more. I spoke with them twice regarding this matter, however, they maintained that their agreement permitted the assessment of these additional charges of {$7.00} per day. I was told on Friday, XXXX/XXXX/16 that I would receive a call from a PNC representative named XXXX XXXX that day to discuss further, however, that has yet to happen. Their overdraft coverage agreement is misleading and egregiously unclear with regards to the assessment of the {$7.00} per day charge and I believe that I was taken advantage of.
Consumer complaint received 2015-06-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Avid Acceptance, LLC (AZ)

I was advised by XXXX employees ( XXXX males ) that I would havea due date change after making my payments, which did not workwith my pay cycles. I made the payments and when I inquiredabout the due date change there was a delay in their response tome so it caused me to be late again. When I asked about whatwas promised and said to me on the phone they had nodocumentation and calls are not recorded. I feel like I had beendiscriminated against, being a single woman. In 2012 I was eventold that I should have planned better when I went out on XXXX. When I called to make arrangments after being in thehospital I spoke with XXXX. I said I refuse to speak to anothermale at this company I felt discriminated against and wanted afemale. He said I had to deal with him, I requested a femalemanager or female account rep. He replied there are no femalemanagers and that he is now reviewing my account. I explainedthat I am going to report this to because that is hard to believe. 
He asked what XXXX issues I was having and I again explainedI refuse to speak to him and wanted a female. They requesteddocuments of my XXXX issues or something showing that I wasin the hospital. I thought this was only required when you are filingfor XXXX insurance to make your payments. I will supply copiesof XXXX bills, but feel like it release my XXXX information whichthey do not need.
Consumer complaint received 2015-10-25
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (WI)

PNC purchased our home mortgage from XXXX XXXX. This is the XXXX or XXXX financial institution that has handled our loan. Yet I 've never seen XXXX charge a {$7.00} fee to make a " XXXX '' mortgage payment online! This is outrageous because there is literally almost XXXX cost on their end. If anything, mailing them a check will actually cost them more. I do n't want to sign up for recurring payments as I like to be able to control the timing of when I make the payment.
Consumer complaint received 2016-01-17
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Paypal Holdings, Inc (SC)

I made a purchase using PayPal. They claim to have protections against fraud committed by the merchant. After trying to go through their dispute process they told me too bad you have to pay for it plus interest. The company I made the purchase from had a stated return policy which I tried to follow. They refused to answer any phone or email. Sticking me with the product. PayPal claims to protect consumer from bad merchant behavior. They lie as bad as the merchant.
Consumer complaint received 2015-05-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (FL)

Pay Pal created a credit service on me without my permission. I found out in XXXX of this year that something that I had purchased online using Pay Pal and thinking that it was on the " Bill Me Later '' system, I 'd get a bill for it and pay it. They created a new credit service and I never heard anything about it until I was going into debt collection, now I owed fees. I paid the amount and the fees at that time. Then again I bought something on-line and used my credit card, so I thought. Pay Pal apparently could n't collect from that credit card so they charged that Pay Pal credit again and again I do n't hear anything about it until its now in XXXX 2015 and now there are late fees that are attached doubling the amount owed. I again had to pay that yesterday. Now I hear that there is a class action against them for this same thing with others. Who do I talk too?
Consumer complaint received 2017-08-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (VT)

I had XXXX XXXX and the final bill was paid by credit card over the phone on XX/XX/XXXX and service was cancelled and equipment was picked up by service man at my residence. I moved out of my apartment that day. Company claims I never cancelled service and billed me for 3 additional months. XXXX XXXX did not file a collection notice until XXXX on my credit report. Company claims I owe them {$230.00}. XXXX XXXX sent me a " Notice of Rights '' letter dated XX/XX/XXXX indicating that they received the claim I disputed and stating that if I do n't respond within 30 days they will consider the debt valid. On XXXX XXXX I had a XXXX XXXX in Vermont and subsequently was hospitalized at the XXXX XXXX XXXX XXXX XXXX where I had a XXXX XXXX which can all be fully documented. I was unable to respond to the Notice of Rights due to my XXXX XXXX.
Consumer complaint received 2015-03-20
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (VA)

Paypal blocked my account because I signed in from a foreign location. I am a XXXX and am abroad almost all the time. I called their resolution center several times, answered all the security questions successfully, and reset my password. All to no avail. In frustration, I asked that my account be closed and that my credit balance of {$93.00} be returned to my bank account on record ( it is the same account I have been using for years ). In true XXXX fashion, paypal refused to close my account because it is blocked ( by them ) and referred me back to their resolution center which was unable to resolve the problem. I emailed them several demanding that my account be closed and the my funds be returned to my bank account in the US that they have been using without a problem for year. They are crooks and I will never do business with them again but I need help in closing my account and getting my money back. They ca n't just block valid accounts willy nilly.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A. (CA)

I have ordered tires on the XXXX of XXXX for {$1100.00}. 

On the XXXX of XXXX the merchant ( XXXX XXXX AZ ) charged me {$1000.00} and received an email invoice saying that XXXX card was charged {$1100.00}, however the total amount states {$1000.00}. 

On the XXXX of XXXX I noticed that I was charged again for XXXX by XXXX XXXX XXXX  XXXX XXXX AZ. 

The merchant names are different on the statement, but they include the same phone number. 

I called the merchant, they confirmed that they are having issues with their billing system and asked me to try to get the money back through my bank as that's the easiest way. 

I have filed dispute twice charges, but they were rejected. 

I have only authorized {$1100.00}.
Consumer complaint received 2016-10-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: I.C. System, Inc. (IL)

In XXXX I disputed a debt with XXXX for {$680.00} as it was referred to collections at IC Systems. IC Systems was suppose to investigate however XXXX failed to respond to them. Even though IC Systems has been unable to validate the debt, they continue debt collection efforts in violation of the law and has reported to my credit.
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A. (AZ)

Debt was originally incurred in XXXX or earlier over 14 years ago. This collection agency claims they acquired the debt in XXXX at which time the debt would have been over 10 years old. Statute of limitations has expired. I do not owe this debt to Citi Bank!
Consumer complaint received 2016-09-03
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a Citigold account in XX/XX/XXXX with an offer to earn XXXX ThankYou Points with promo code XXXX. 

I 've received confirmation that I have met the requirements which are : 1. Open a new Regular Checking account in an eligible account package by XXXX/XXXX/16. 
2. Then, within 60 days after the new account is opened, complete one qualifying bill payment each month for two consecutive months. 

I have fulfilled these requirements by : 1 bill pay on XXXX XXXX 1 bill pay on XXXX XXXX As of today, XXXX XXXX, 2016, I have yet to receive my bonus.
Consumer complaint received 2016-11-22
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (LA)

i had a business bank account with Citi bank for over 3 years. It was a secondary account which i have n't been using actively for over a year. I have been using it only to perform XXXX transfers of my funds from XXXX to XXXX. I have decided ti close this account and called Citi to do so. I was then informed that there is a block on my account. Apparently there was {$2.00} overdraft on this account. I was asked to go to the branch to pay the outstanding {$2.00}. I live in Louisiana, the nearest branch is in Florida. At this point I was informed that I have to pay {$2.00} and that after that I will be able to close my account. Reluctantly, I transferred {$2000.00} from my XXXX bank account to my Citi bank account, to cover {$2.00} overdraft. Once the funds were shown as available online, I have wrote myself a check for the outstanding amount of {$2000.00}, so that I can close my Citi bank account. When I deposited this check to my XXXX bank account via their Mobile banking App, XXXX of my XXXX Bank accounts got locked. I was informed I have no online access because of a fraud! I was travelling at the moment, I called my branch of XXXX bank to find out what 's going on, but nobody could provide any explanation. I called the customer service 3 times, they refused to talk to me and send me back to the branch. I was informed that I have to go there in person. It took me 7 days to get back home, and so I went to the branch of XXXX in XXXX. After XXXX sitting there, while nobody could work out what happen, XXXX agent informed me that my online/mobile access was blocked by her boss, because of the check I have wrote from Citi bank!!!!!!!! 

To summarise the situation : 1. XXXX bank blocked XXXX of my bank account, worth over {$200.00} XXXX because of a check I was trying to deposit to my bank account! I was under impression fraud was to prevent strangers to take money away from my bank account?! 
2. It is over 9 days now that I have no access to XXXX of my XXXX bank accounts, because my branch still did n't managed to sort it out ... 
3. I will be transferring those bank accounts to a different bank, so I stop chasing my XXXX bank branch to simply do their job. 
4. Citi bank refuses to close my bank account 5. When I called Citi bank they asked me to go to my branch in Florida to have this bank account unlocked 6. In spite of refusing the check I have wrote for the balance of the founds remaining in the Citi bank account, they imply that when they will unlock the account the check will still clear. I have a letter from Citibank stating the contrary, i.e. confirming that the check was refused. 
7. Now there are no sufficient funds to cover the aount of the check ( {$15.00} are missing ). Citi bank have refused the check when the funds where available, they have not informed me that the account is locked, they have charged {$15.00} of fees, 4 days after I wrote the check.
Consumer complaint received 2017-01-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Open an account during their {$400.00} bonus promotion. Completed all the terms and yet to receive the bonus. First time I talked to them they opened an investigation and it was verify that I completed all the terms and to wait. Two months later I talked to them again and now they 're telling me they will open another investigation and to wait again. The term was to deposit {$15000.00} into a new account for 30 days and the bonus will be deposit in 90 days. I completed the {$15000.00} deposit on XXXX/XXXX/2016 so I should have received the bonus around XXXX2016.
Consumer complaint received 2016-06-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I applied for a citi " gold '' checking account and enrolled in an offering for XXXX XXXX XXXX miles upon completion of terms. I confirmed via chat message that I was enrolled, that I had met the terms, and that I would be receiving the miles " after XXXX ''. I subsequently incurred monthly fees on the account waiting and when I inquired XXXX and XXXX I was told citi would not be honoring the XXXX miles as I was not " targeted '', despite having enrolled online and having confirmed it via customer service representatives online that I would receive the miles.
Consumer complaint received 2015-09-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CITIBANK, N.A. (AZ)

In XXXX I borrowed XXXX grand from a pvt.lender in XXXX XXXX. I came ou with XXXX grand.I had to pay child support arrears. in XXXX I married and my husband and I were calling loans for his truck as security.citifinancial of XXXX XXXX said come over neither XXXX of us had a job. He was looking to go to XXXX which eventually he did. In the process of the loan for the truck title we spoke to XXXX XXXX about my deed for my free and clear property which I owned. They said they would pay off the balance of XXXX XXXX and add it then eventually gave the truck title back. Now the man I married took all the money and left XXXX to XXXX. I told CitiFinancial he left and still I struggled for 8 yrs paying it. they never contacted my husband who was the primary borrower me second but it was my deed. I tried modifying XXXX for the short time of three months. then the interest went way up the payments were really high again. I kept falling off course. My daughter let them take on a few occasions a payment out of her account. XXXX time they took XXXX payments every XXXX weeks out of her account without her permission. They never tried to make me out a new contract. This account has XXXX or XXXX different account numbers. They say it started in XXXX when it was XXXX. I have all the office sent papers. my debt after 9 yrs is almost XXXX when it was maybe XXXX at the beginning. I have XXXX sons XXXX and XXXX my XXXX yr old mother we are in foreclosure, They never contacted me for auction or tried to wait for me to get the settlement offer of XXXX these people are under predatory lending and work with citi the red umbrella and are not under Citibank . They are misrepresenting the lending status as a mortgage my house was mine they did not loan me the money to buy it. they paid a realtor to come to my house and leave by XXXX XXXX XXXX. I need help
Consumer complaint received 2016-11-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (CA)

On XXXX/XXXX/16 ERC ( a collection company in XXXX FL ) sent a collection letter to my California home address, with a name similar to mine ( with incorrect spelling ), claiming that I owe a debt for services never solicited or rendered. I have never had XXXX XXXX XXXX services at my home. For the past 8 years my landlord has provided all utilities ( including our XXXX XXXX XXXX XXXX cable services ) in her name. I am concerned about fraud on the part of ERC, XXXX XXXX XXXX or an unidentified third party individual. ERC states in the bill sent to my address that these charges will be validated if I fail to respond within 30 days. This is not my debt.
Consumer complaint received 2015-06-15
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: M&S Recovery Solutions (VA)

Repeated calls to a number that is not mine, and I have asked them to remove the number from the file. I offered a different number that they could call daily if needed. This company rep stated on voice mails that " A file with your social security number attached is in our office. If you do not contact us you will no longer be allowed to use your bank. '' Also they threatened legal action. When I mentioned that I was going to file a complaint, they said they would no longer give me any written documentation and that they would see me in court. I offered to make a payment plan, but was told that would cost an additional {$5.00} in " processing fees '' per month.
Consumer complaint received 2016-11-30
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Sentry Credit, Inc. (CA)

Sentry credit inc has NOT stopped harassing phone calls to me even calling at XXXX and at night at XXXX threatening and using abusive language and this is on the XXXX that had unauthorized charges and XXXX has closed off and cleared all fees. please help to stop sentry this must be illegal and every unethical thing to do
Consumer complaint received 2016-05-03
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Sentry Credit, Inc. (WA)

Attempted to contact Me at my brothers job stating they are collecting a debt for child support and after further investigation by myself and phone calls I had found out that was untrue sentery credit and XXXX XXXX XXXX constantly harrass my mother and brother also when I contact them they are extreamly rude and refuse to send me copys of what ever debt they say I owe I have been trying to dispute this with XXXX.
Consumer complaint received 2016-11-23
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: KEYCORP (OH)

Key Bank calls my home every day asking to speak to a person who I have repeatedly told them I do not know. I just got this number about 2 months ago, and I 'm assuming they are looking for the previous owner of that number. I answer every day, tell them I do n't know those people, and ask them to remove my number. They do not remove my number because they call back the next day. I called and attempted to speak to a supervisor, and they refused. I was then told I could not have my number removed unless I proved I was not those people. I have no intention of sharing my address, or any other personal information with them. XXXX just want the calls to stop. They are calling from XXXX
Consumer complaint received 2016-05-16
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: KEYCORP (OH)

I co-signed on a loan for my step-daughter through key bank. Key bank is now charging me for XXXX large loans which are now in default. I did not take out XXXX large loans through key bank. I have asked them for both of the promissory notes multiple times. They will only send XXXX. I also believe that I am paying XXXX of the loans through XXXX. XXXX advised me that they currently hold a loan that was originated through Key Bank. I believe that I am being double charged for XXXX of the loans and the other loan does not exist.
Consumer complaint received 2023-01-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK (CA)

DISCOVER BANK XXXX I have called and sent letters including a police report to the company requesting to close this account due to fraud. This account was opened fraudulently. I have made several phone calls to the company insisting they close account immediately and remove the account from all three credit agencies but they have not done that.