davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-03
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (FL)

I had been in a Student loan rehabilitation program over the past year. Made final payments in XXXX XXXX for both XXXX and XXXX XXXX. The new Appointed Servicing Agent for my Loan was the Fed Loan group. They sent out the new loan information in XXXX XXXX. I moved from XXXX XXXX XXXX XXXX Fl XXXX temporily to XXXX XXXX XXXX in XXXX, Fl XXXX in XXXX XXXX and then to XXXX XXXX XXXX XXXX Fl in XXXX XXXX. The original rehab loan program never notified my of the new Servicing group or how to contact them. When in XXXX XXXX it showed up on my credit report as 90 days late I was able to find out for the first time who to contact. I called there Servicing dept immediately try and resolve the problem. They told me to get off my credit reports I would have to file a dispute with accounting dept which will decide if they will or not remove the 90 days late. This was on XXXX XXXX, XXXX. This was to be emailed to me as well as a low income based repayment plan application, which it appears I have been qualified for all along and would pay {$0.00} a month. Well they did n't send it out email ... ..today XXXX XXXX, XXXX they can only mail the dispute form, and are emailing me the income based repayment form, but the immediately took a {$110.00} payment on XXXX XXXX, which as of today does n't show and when posted will still show and outstanding balance. Even when I qualifiy for the lower repayment, it will take 30 or more days to go into effect. My Credit with all XXXX Agencies is severly effected by there reporting. I have no other late payments
Consumer complaint received 2016-11-02
Product: Credit card — 
Issue: Late fee — 
Company: BARCLAYS BANK DELAWARE (FL)

Filed a complaint about being charged a late fee, which in my opinion is abusive since technically my payment was made on the same day it was due, but was posted the next day because it was it was not made by the cutoff time set by Barclay. I was assessed a {$34.00} late fee, which I must work nearly XXXX hours to earn, and I 'm a head of household with XXXX dependents because I missed the cutoff by minutes. So your few minutes cost me XXXX hours of my labor, plus take food off the table for my dependents. I do n't believe my request is unreasonable to ask for a {$34.00} late fee be waived, considering you make a lot more than that over time in interest. First when I called to request your manager gave me attitude when he told me no one can waive that for you in a condescending tone. Second I filed a complaint, and a young lady by the name of XXXX from the office of the President called me twice, once on XXXX XXXX and XXXX XXXX, even though I called at least three times after the XXXX, no further attempts were made to call me, and instead you responded in writing with the nonsense that was provided by your agent, and manager. I do n't think you 're written response addressed my issue or concern appropriately. Your agent 's response, your manager 's response and your office of the President 's response was inadequate. You simply told me I already knew, and I did n't ask you to reiterate what I already knew. I expressed a deep concern that I felt your late fee was abusive, unfair and unjust for someone like myself who made the payment the same due it was due for a very large amount, and missed your so cutoff time by minutes but was assessed a late fee. Maybe you should focus your attention and invest on being more customer centric and doing the right thing for the customer when you know they have an issue, since obviously technology is not an option you 're willing to invest in. There really should be a difference in making the payment by XXXX on a given date as opposed to making payment by XXXX. It 's still the same calendar day, and it is processed electronically immediately. I could understand if we were behind on the times, and we still had a brick and mortar operation where I needed to get to a branch location before it closed, but that is not the case. This an electronic payment which was still processed on the due date. Like I stated its truly sad and unfair that I should to give up XXXX hours of my hard earned money for a few minutes of an obsolete cutoff time. The way you have handled my request and the amount of energy you have expended to not do a courtesy waiver is unbelievable. Just put XXXX of that same effort into doing the right thing for your customers and everyone will be happier on both sides. Once again I 'm requesting a courtesy waiver of an abusive, and unjust late fee.
Consumer complaint received 2015-11-18
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (SC)

I had a credit card with barclays bank I had run into some trouble and had to accept a settlement offer and our agreement was when I paid this settlement they would remove this account from my credit I have contacted them by phone and by mail. I keep getting the run around and no response to my letter. I called again on XXXX/XXXX/2015 and talked with someone named raven after several minutes on the phone explaining again the situation they put me on hold for quite some time and when they returned I was told by raven to resolve this I had to dispute the information with transunion that 's who they report to and send a letter to the fcra and the address they gave me for the fcra was XXXX XXXX XXXX XXXX, DE XXXX which is the address for barclays bank. they are trying to run some sort of scam so this is my first step to get that account removed when they fail to do so I am going to report them to the ftc
Consumer complaint received 2016-02-15
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (WA)

Care Credit. Im having XXXX over this. we have made several attempts to take care of a past due. Its my husbands account. we work different shifts. he was here today and talked with them on the phone, he gave ALL permissions for me to talk with them about his account. collections, payments, everything, he gave the phone back to me. he then left for work. I then made sure with that associate, that before they transfered me, that it would be Ok to talk with me. He said absolutely, he will note it and made sure the next associate knows its Ok to discuss this account with me. I was tranfsfered to XXXX in the hardship department, at approximately XXXX XXXX this day XX/XX/2016 pacific time zone. She refused to discuss this hardship program with me, without getting permission again from my husband. He had left for work already as stated above. I asked if they could mail us the paperwork, She says No. I asked to be transfered to her manager XXXX XXXX, answering machine was full. They have been calling my phone off the hook and calling my husbands phone and calling my work. We have made our best attempts at resolving this matter. And its now causing me medical issues.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (NY)

GAP 's credit card company opened a collections claim against me and put it on my credit report. I have contacted them, and they removed the late fee on my account and I have sense made payment on my account. The delayed payment was an actual mistake the {$75.00} taken from my account was on a closed account and I contacted Gap Credit representative and told them about it and made a payment of {$75.00} soon after. Additionally, the company decided to lower my credit from {$1200.00} to {$250.00} without any warning for no reason at all, this impacted my credit score drastically. The new management of Gap Credit Card needs to do better, they have made poor decisions and it has negatively impacted my credit. I would like them to remove the delinquent payment of my credit report with FICO, XXXX, and XXXX. I would like them to restore my credit limit to {$1200.00} without negatively charging on my account.
Consumer complaint received 2017-03-15
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: SYNCHRONY FINANCIAL (WA)

I received a letter from Walmart saying my credit card with them had been updated to a MasterCard. At the bottom it stated " If you do not wish to receive your Walmart Mastercard, please call XXXX by XXXX XXXX, 2017 '' I had missed the part reading " do not wish '', thinking it said if the card was not received by XXXX to call them. I called them when it was not received and discovered and realized what the sentence said. I found out it was too late to cancel the card. It will be mailed to me sometime in XXXX. I did not ask for this credit card, and do not want it. I had found it odd to receive this, but let it slide because I was going to cancel it when I received it. I have very good credit, and constantly receive offers in the mail, but this is the first time one is actually going to be mailed to me because I made a mistake in what I read. No other credit offers have done this.
Consumer complaint received 2016-03-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: SYNCHRONY FINANCIAL (FL)

There is a company that bought a bad debt of mine from the past. I already paid the price of it hindering my credit the first time when it was with the original creditor why are these companies allowed to continue to buy it and place it over & over on our credit. If we as citizens have a bad time in our lives and are trying to repair and move forward why are these types of things permitted??
Consumer complaint received 2015-05-04
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL (PA)

Synchrony Bank has stolen {$2000.00} from me!! The bank accepted and cashed my check XXXX # XXXX XXXX in the amount of {$2000.00} and then advised me that my account balance is {$00.00}! Details follow : XXXX XXXX-I mailed my check # XXXX in the amount of {$2000.00} to XXXX ( Synchrony Bank ) see Attachment A. 

XXXX XXXX-TD Bank debited my account in the amount of {$2000.00}. See Attachment B. 

XXXX XXXX XXXX ( Synchrony Bank ) acknowledges receipt of the {$2000.00} and deposits the funds in XXXX. See Attachment C. 

XXXX XXXX XXXX ( Synchrony Bank ) that my account balance is now {$2000.00}. See Attachment D. 

XXXX XXXX received a telephone call from XXXX. The woman said " I have a check for {$2000.00}, what am I supposed to do with it? '' I asked where was the paperwork that accompanied the check? The woman said " I do n't have no paperwork, I just have the check ''. I told her as I noted in the memo field of the check that I wanted a XXXX month CD. 

XXXX XXXX XXXX XXXX Synchrony Bank XXXX submitted my check number XXXX for a XXXX time! See Attachment B. 

XXXX XXXX-XXXX returned to the check for insufficient funds and charged my account {$35.00} for the overdraft. See Attachments B and E. 

XXXX XXXX XXXX ( Synchrony Bank ) advised that my account balance has been adjusted to XXXX because the XXXX time they submitted the check was returned for not sufficient funds! 

XXXX ( Synchrony Bank ) has failed to say what they did with the {$2000.00} they received on XXXX XXXX. Repeated attempts to call and get the situation resolved have failed.
Consumer complaint received 2016-12-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE (CA)

I had {$4000.00} of fraud on my account, XXXX XXXX. I have called my creditor 4 times, and they told me that they would have it removed at the conclusion of every customer service call, yet it still shows on the account, and at this point the same charges are actually showing up again, after they were removed, twice.
Consumer complaint received 2023-02-03
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. (CA)

There is a delinquent amount reported by XXXX, Equifax, and XXXX the company reporting the late payment is XXXX XXXXXXXX for the Month of XXXX XXXX I have not made any Late payments and I have disputed this matter with the Bureaus. I have requesting documents supporting theirs decision and the companys lies have failed to respond with supporting documentation.
Consumer complaint received 2016-05-07
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NC)

Synchrony Bank administers Belk Store Credit Cards. Their online payment site and all of their statements claim the due date is the XXXX of the month. I had sometimes paid on the XXXX or the XXXX of the month which resulted in receiving a late payment fee, even though the date I paid was on or before the stated due date. When I raised this issue with the XXXX, I recived a condescending letter stating that I should always make my payment 2 days before the due date to avoid late payment charges. 
This seems misleading and abusive. If the bank wants to move its due date for payment earlier in the month, it should be transparent about it and send out a notice. 
XXXX recently " aligned '' its billing across company divisions which resulted in the due date for my phone bill coming 5 days earlier in the month. If a large company like that can successfully communicate such a change to their customers, why would a regional retail store refuse to acknowledge that they wish to have payment 2 days earlier each month? Of course, if they continue to charge any customer who fails to authorize payment ( bank draft ) more than 2 days before the stated due date, a late fee, they can increase their income. This is an unfair and abusive practice that is likely to affect many of Belk store 's customers. 
If possible I would like a refund of all late fees for payments made on or before the stated due date ( XXXX of the month ) but failed to clear to the satisfaction of the bank. 
It seems to me that any consumer should be able to plan and rely on the stated due dates in making payments. It is not fair to create a due date that does not reflect the actual date by which the payment must be " received '' or " cleared '' to avoid late fees. 
If a customer presents a check at a point of sale, it may take several days to clear their bank. Would it make sense to dun such a customer for a late fee because of the time it takes the banking system to complete a transaction? 
My accounting training is clear that transactions are recorded on the date they are completed. Revenue is recognized on the date of the transaction, not the actual date the bank releases funds. In the same way Invoices are handled based on the date they were issued not some later date on which the invoice happens to arrive at the customer 's A/P department.
Consumer complaint received 2016-11-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (MI)

Called Synchrony Bank for my Sam 's Club MC XXXX regarding password account access issues. Account rep transfer to fraud rep who argued w/ me regarding my use of a password generator. I use generator for management & generation of passwords for my protection. Fraud rep told me that I must make password that I can remember. My argument is I use generator because of total random nature of password of XXXX characters. Also that if I must use something simple as fraud rep is telling me, I can not be help responsible for issues relating to my account due to easy to hack passwords like XXXX #!. And if that is the case, I should close all of my accounts with Synchrony ( ALL SARCASM ) which fraud rep took as literacy! At that point, call dropped as call was being made on my cell phone. You would think fraud rep would call to confirm, but according to a supervisor named XXXX it is to much effort on the part of reps to call customers and do such things like confirm such drastic actions, like closing ALL SYNCHRONY ACCOUNTS! I also have documented with XXXX my mobile carrier that I have call issues at home. This fraud rep, can according to a rep, because he has the power to do so, close all of my accounts. And I have to call and fight to have this all reversed because he could not call and confirm such a drastic action. More so because it seems that he disagreed with me on the password issues and doing things how he was telling me and that I would NOT submit to him. So he went on to teach me a lesson. It seems that I was just to bow down and do as he instructed like a good lil woman should. Then my calls to correct this were met with it is all my fault because people do no understand sarcasm in an argument anymore.
Consumer complaint received 2017-02-03
Product: Credit card — 
Issue: Delinquent account — 
Company: BARCLAYS BANK DELAWARE (OH)

This account has always been on autopay for minimum balance or higher to protect against late payments. Despite this, and despite my long history of being a good consumer with this bank, my credit report is erroneously showing late payments in XXXX XXXX and XXXX XXXX.
Consumer complaint received 2016-06-06
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CA)

I have a SFR as an investment property. I refinanced it in 2012. I obtained the refinance through a broker. ( In fact when we signed our mortgage papers we signed a document requesting that WE PAY ALL FEES DIRECTLY. That was not honored ) It was sold to XXXX Bank who serviced it from XXXX and then sold to PNC Mortgage who has been servicing it to this date. I requested that they cancel my impound account which they agreed to but they want to charge me {$250.00} to close the account. I do n't remember agreeing to this. Is this legal?
Consumer complaint received 2016-09-09
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

I have had a HELOC with PNC Bank for many years. Recently, I discovered that the loan minimum payment had gone up considerably, but I was never notified of the change by PNC. I continued to pay the previous minimum payment on time ( it was actually set to autopay ). By the time I finally got in touch with them and determined the issue, they had reported my loan 30 days late twice to the credit bureaus. Once the miscommunication was cleared up, I immediately paid the overdue amount and it has been paid on time since. Unfortunately, because the late notices damaged my credit score, I am now unable to refinance and receive a more competitive loan. I am very skeptical of PNC 's motivations for their lack of communication re : the payment amount change. Although they had my correct phone number, I did not receive any messages re : the situation. Even going to the PNC website showed no indication on screen that the loan had any past-due status ( I have screen shots of this ).
Consumer complaint received 2015-05-26
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (PA)

Old case # XXXX we had this resolved. Same bank different complaint. Equity line modified, term not principal even though the house was appraised {$77000.00} less then the new equity line. I think they beat you until you will take anything after fighting for 3 years. The new complaint is I had to obtain a lawyer to tell me to stop paying PNC or they will not respond I had to ruin my credit. I asked them after it was al said and done what do I have to do to make my new loan current. They told me I would be on a trial bases for 3 months. I asked if I could make XXXX payments early to get current earlier. They said yes. I made XXXX, XXXX and XXXX payments XXXX XXXX. I was imfomed the following week that XXXX payment went into XXXX and my other XXXX payments went to principal and I still owed XXXX, XXXX and XXXX. I have been abused by this bank for 3 years. I would like to meet with someone from your agency to discuss this in person. 

Regards, XXXX XXXX
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A. (MO)

I am a PNC Bank customer who uses online bill pay extensively. Earlier this year I started noticing that PNC was automatically enrolling me in an ebilling program for several vendors. When I inquired about it they told me they couldnt stop it but would remove me on those couple vendors. I acquired a new credit card and entered it in and set up online payments but again found out had automatically been enrolled in ebill. When you are enrolled in ebill you start getting a lot of emails that seem geared towards collection of the bill. I contacted PNC corporate and what I discovered is they are doing this with all customers. My theory is that XXXX who does their online banking is charging vendors like XXXX for the ability to penetrate bank accounts and automatically enroll customers. This is wrong. It is a conflict of interest that should be disclosed to customers. I demanded that stop this practice for all customers and disclose it. They said they would stop it on my account only and ignored my request. Something smells rotten between PNC and XXXX. If disclosed its not a problem but nobody should be automatically enrolled in something in your bank account because a vendor paid for it. Your money is between you and the bank.
Consumer complaint received 2016-11-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bepensa Capital, Inc. (AZ)

I purchased a car from AFS Acceptance approximately 2 years ago. After numerous conversations with them and some unethical statements said to me by their retention " specialists '' I chose to do a voluntary repossession. The account has been closed and they have done a " charge off '' on the account. However, I keep getting credit reports that they are continuing to increase the amount of the past due balance even though 1. I do n't have the vehicle, and 2. I 'm sure they sold the car and got something for it at auction. I never received anything from them after they took possession of the vehicle stating that they sold it and how much they got for it and how much do I truly owe on the account. This type of company needs to make sure that they get their information corrected.
Consumer complaint received 2022-10-01
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 ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX Balance : {$35000.00}
Consumer complaint received 2017-04-03
Product: Virtual currency — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Coinbase, Inc. (NJ)

My husband opened an account with Coinbase, an online trading tool for XXXX, in 2014. He passed away in 2014 and, to date, despite having provided all the information requested by Coinbase, I have been unable to access his account and sell the XXXX. There is no phone number for customer service and all my email requests for assistance have been ignored.