davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-09
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (VA)

Needed a replacement title for a XXXX Ford Taurus. Did not know had lien from BB & T and paid agreed amount on XXXX/XXXX/XXXX. Was informed 7-10 business days to get title..Went back to BB & t on XX/XX/XXXX and found out out was n't posted until XX/XX/XXXX and would be another 7-10 days. on XX/XX/XXXX inquired again of status an informed title on its way. Went to branch on XX/XX/XXXX and was informed by corporate headquarters it it was just being released today and another 7-10 business day and once whatever that department that is will go to another department and another 7-10 days. Its looking like XX/XX/XXXX now until I receive title and I wonder if that 's true until I go into the branch again. They 'll tell me again XX/XX/XXXX business days. Very frustrating and punishing
Consumer complaint received 2016-05-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (PA)

BB & T Provided Senior Vice President XXXX XXXX XXXX, provided false statements in Consumer financial Protection complaint, case # XXXX. Provided statement has no records of the account number or Social Security number provided. Account number is XXXX Letter date XXXX/XXXX/XXXX. This letter is the Lead to the International Complaint drafted. Under the Mines and Minerals Act of XX/XX/XXXX.
Consumer complaint received 2017-01-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MS)

Navient is reporting on all XXXX of my credit reports as several times for different accounts under different options. Some are in good standing while other are not. I suppose to be under IBR and at the moment have a zero balance. It is really putting a negative on my report and scores
Consumer complaint received 2016-10-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (NC)

Bank levy appeared on my BUSINESS banking account for my exact posted balance plus {$120.00} on XXXX/XXXX/2016. Then the following day, the bank levy adjusted to {$44000.00} on XXXX/XXXX/2016. I spoke to BB and T representative XXXX in person at XXXX XXXX branch on XXXX/XXXX/2016 about refunding returned and overdrawn fees with an understanding that my posted balance would be released to me on XXXX XXXX, 2016. She was successful in accomplishing this ; however, I am uncertain if my BUSINESS banking account balance can be cleared out with a XXXX balance to satisfy a credit card debt from a XXXX XXXX that is almost a decade old. This bank levy seems to be a political move and a personal attack. I have been a bank client for over ten years. I am very confused in how my account is being handled. I feel like they are helping to extort me. I am very traumatized by the seizure of my business checking account. I could have been out of town or out of the country and stranded based on this account seizure. No one should feel safe with their money in a bank when extortion by anyone is possible with a judge signing off on it. My article is attached. XXXXl
Consumer complaint received 2017-01-26
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Navient Solutions, LLC. (MI)

I 'm not sure how I ended up with XXXX private loans, each one a different date in a different year. I only signed up for XXXX XX/XX/XXXX. A XXXX one was created XX/XX/XXXX that I never agreed to. Plus the semester I decided to try to finish my degree, I dropped my classes before the deadline so, that loan should have canceled and the XXXX one should have never existed. The reason XXXX told me they never received my notice that I was dropping my classes is because my student advisor, the department head, XXXX XXXX, had quit before my email was received. It 's funny how I never heard anything from a new student advisor? 
I decided to drop the program because I learned that it was a ficticious field of study and their were never any jobs available to begin with. In fact, XXXX dropped the entire curriculum a month or so after I dropped my classes. Apparently, I was the only student left taking classes in the first place. 
I was reluctant to sign up for that last semester because I had problems with the previous semester thus the need for a private loan. I feel as though the financial aid representative coherced me into taking the loan, knowing they were about to drop the entire curriculum. And I believe they fraudulently created the XXXX one. 
I did n't even find out the loans existed on my credit until XX/XX/XXXX while trying to obtain credit. Now, there is n't even anyone available to try to resolve the issue, they closed their doors completely. These loans are preventing me from obtaining the credit I need and deserve.
Consumer complaint received 2015-06-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: LEXISNEXIS (AL)

On XXXX XXXX, 2015 I requested that Lexis-Nexis provide me with free annual reports of all facets of its consumer reporting group. Lexis-Nexis partially complied with the request. Lexis-Nexis failed to provide me with a free annual consumer report from their XXXX division. I demand that Lexis-Nexis provide me with free annual report that is created by the XXXX division. I have tried to talk with the XXXX department, but their automated answering system keeps me on hold for XXXX minutes and then hangs up on me. I have tried every communication method that Lexis-Nexis provides and each one of them stymies my attempts to clear this problem on my own. Currently Lexis-Nexis is in violation of the FCRA and FACTA statutes because they failed to provide me with the XXXX free annual report within XXXX days of the XXXX XXXX, 2015 request. Lexis-Nexis XXXX divison is required to answer consumer inquiries within a time frame dictated by regulations. Lexis-Nexis XXXX has failed to respond to my repeated calls within the legislated time, therefore that is a XXXX violation of FCRA.
Consumer complaint received 2017-01-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (DC)

I have a Macy 's store card and a Macy 's Amex card. 
On XXXX/XXXX/XXXX, my balance was {$93.00} and my minimum due was {$27.00} and due date XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I made a payment of {$30.00} which was above my minimum due to avoid paying interest. My new balance was {$26.00} Today, XXXX/XXXX/XXXX, I looked at my credit summary and I found out that Macy 's charged me {$2.00} interest fee, Why?! 
I called and was told that " now that we have received your payment in full, we will go ahead and remove the interest fee '', I was very furious, why was there an interest on my account in the first place? My payment was received in full on XXXX/XXXX/XXXX, so if I had not looked at my account, I would n't have known that my new balance was {$28.00} and my new minimum due was {$27.00}. 
I had already scheduled a payment {$26.00} for XXXX/XXXX/XXXX, which was my balance. This would have messed up my account, I would have been charged a late fee of {$35.00} and would have been reported to the credit bureau as being late on my account. 
This is how people get in trouble and this how Macy 's make money off innocent victims. I believe this is negligence, theft and deceitful. Someone has to be held responsible. I am still looking at my account and they still have n't taken the {$2.00} off. 
Five months ago, I filed a dispute on my Macy 's Amex card for an unrecognized/unauthorized transaction of {$12.00}. They never responded to me, they never took care of the problem nor did they refund the money back to my account. 
I have had so many problems with Macy 's, particularly on reporting to the credit bureau and handling disputes. By law, they are supposed to make the funds available within XXXXXXXX days when a dispute is filed.
Consumer complaint received 2015-04-14
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (FL)

I have a XXXX mortgage on my principal residence for {$130000.00} originated in XX/XX/XXXX by XXXX XXXX mortgage as an interest-only loan with a 10.25 % interest rate. XXXX XXXX was purchased by PNC Bank in XX/XX/XXXX and they have been the servicer of my loan since then. I am not currently in a hardship but am unable to refinance my loan because there is approximately {$120000.00} in negative equity in my house. I have spoken with every department within PNC and noone is willing help. My monthly interest-only payment is {$1100.00}. I have paid a little more than {$100000.00} in interest as of now and still owe {$130000.00}.
Consumer complaint received 2015-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

Unfortunately, due to my ex abandoning our family and deciding not to pay the mortgage payments, I was unable to make the payment on my home and Green Tree Lending foreclosed on the home. During the whole process, I tried to get them to work with me to save the home but because only he was on the mortgage, although I was the one living in the home, also getting sued, attending all the hearings and responded to all the notices, they would not talk to me. I was told that when I got the divorce in my hand and the house was awarded to me, then they would then talk to me. This was on a conference call between their lawyers, me and my lawyer. I received the divorce three weeks before the home was scheduled for auction. When I called to submit the documentation, they told me that they could not help me and good luck. So the house went to online auction, no one made a bid and GT kept the home. Afterwards, I tried to contact them numerous times to get some kind of timeline for moving and they would not even give me the time of day. They said to call the lawyers, the lawyers said to call them and so on and so forth. Well, without receiving any formal notice of vacating, unexpectedly at XXXX a sheriff shows up at my door and tells me that I have 30 hours to vacate or I will be escorted from the property. I lived in that home for XXXX yrs, tried to work with whomever to save the home but to no avail and my final hours there were on the heels of being evicted???? This is ridiculous and preposterous!!!! It was a complete nightmare, at great expense, both emotionally and financially to get my whole life, including pets, out of the home that quickly and having to borrow money to make it happen. I had to put everything in storage, gave quite a bit away and left things behind because I simply did not have the time or place for it yet. I even had about half the home packed expecting the inevitable since no one was working with me to stay but went through this nightmarish experience anyway! No one should have to go through this, especially when I vehemently tried to save my home and did all of my due diligence. I have had to move, with my pets, into my sister 's home because I was n't given the decency of time to find a place. Needless to say what an inconvenience this is for her and her family! Thank God I had this option. What if I did n't? By myself and thrown out without a shred of decency for a fellow human being. All this talk about helping homeowners is a bunch of baloney. The lenders do not care at all of people 's hardships or wanting to work with you, as displayed perfectly in my case. Do I have any recourse here and I want a formal complaint made because it needs to be and to hopefully help someone else in the future. In this day and age of technology and commerce, EVERY business should be held accountable to fair practices, a level of integrity and be reprimanded when they do not.
Consumer complaint received 2016-10-26
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A. (VA)

XXXX/XXXX/2016 With all the financial and credit concerns going on with the XXXX XXXX situation, I wanted to ask ... Is it legal for a lending company to report the terms of your agreement different from what you sighed? 

I have an Auto loan with PNC Bank and per our " Direct Installment Loan Disclosure and Note Agreement '' here are the following terms .... 

XXXX Number of Payments : 36 XXXX Amount of Payments : {$370.00} XXXX When Payments Are Due : Monthly, beginning XX/XX/2016 I have found out that all three credit reporting agencies XXXX, XXXX and XXXX, are reporting that my repayments terms are for 38 months instead of 36. Thiscalculation worksout to bea differentsof {$750.00} more when you use that number. 

When PNC Bank contacted me by mailoffering to refinance my auto, one of the main selling points was that they allow you to chose from 30 to 90 days before your first payment isdue, I choose the 90 days. 

I signed the Agreement in the XXXX Virginia location on XX/XX/2016 and thefirst payment isdue on XX/XX/2016, around 90 days. 

They are telling me since the funds where available onthe date I signed, they have a right to report38 months instead of 36. 

I was in the process of doing aDebt consolidation loan, when this was brought to my attention. They are saying that they will have to add the $ XXXXdifferents of 2 monthsin order to do a pay off for my auto since PNC Bank is reporting 38 months as the terms of repayment. 

On XX/XX/2016 I called PNC Bank, the person I spoke with concerning this matter is Name XXXX XXXX in the Escalation Department of PNC Bank XXXX. He acknowledge that the contract I signed was for a repayment term of 36 months, but that they have a right to report 38 months instead of 36 months. He refused to transfer me to his supervisor or anyone in the so called " Back Office People Dept '' and that he was the manager and there was no one else I could speak to concerning this matter. 

I want to thank you in advance for taking the time to read and review this compliant. 

Thank You XXXX XXXX XXXX XXXX
Consumer complaint received 2016-03-14
Product: Credit card — 
Issue: Balance transfer — 
Company: PNC Bank N.A. (IL)

I called PNC Bank which I had an existing credit card account with to find out if I had any balance transfer offers. I was told I had a 0 % offer so I made the balance transfer of around {$10000.00}. Turns out the offer was only 0 % for purchases and was actually 17 % interest on balance transfers. They also charged XXXX or XXXX % balance transfer fee. Once I found out that it was 17 % I soon after paid the whole balance to avoid further damage to my finances. This was a couple months after I opened the account. Still I incurred over {$700.00} in interest and fees. PNC says they ca n't find any recording of me discussing the interest rate. But if I have the money to pay off the card why would I want to have a 17 % interest rate? Ironically PNC bank is now sending me offers for 0 % balance transfers. 

I filed a complaint I believe with the Office of the Comptroller of Currency XX/XX/XXXX. I did receive a letter from PNC Bank dated XXXX/XXXX/2016 that they received the complaint ( Case # XXXX ). I have heard nothing further from PNC Bank or the OCC. I 'm not sure if the OCC was the correct department to complain to. 

I would like for PNC bank to be required to research this issue and at least provide a written explanation of why they will not refund the interest that I clearly was misled into being charged. 

Thank you, XXXX XXXX
Consumer complaint received 2016-05-27
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (IN)

An auto-payment I had cancelled was mistakenly processed on XX/XX/XXXX, which is responsible for putting my checking account into overdraft. I am not responsible for this payment being processed, and should not be responsible for ( 3 ) {$36.00} overdraft fees totaling {$100.00} that PNC has withdrawn from my account. Again, I suspect they are processing my transactions in such a way as to maximize fees ( profits ), had the larger payment been processed after the smaller payments there would be only ( XXXX ) fee. Branch manager will do nothing. PNC has charged me multiple hundreds in overdraft fees just this year. How long will the crimes continue unchecked? I demand these fees be REVERSED IMMEDIATELY and refuse to fork over {$100.00} to the bank for a mistake I did n't make.
Consumer complaint received 2017-08-15
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: DISCOVER BANK (MI)

Discover, Discover Card, Discover credit, Discover Credit card, Discover personal loans, Discover home loans has along history of preying on people. And now it seems that the are preying on seniors and disable veterans. A few of the Federal court ruling against Discover for consumer fraud!
The Discover Fake Credit Card Agreement Class Action Lawsuit is XXXX XXXX v. Discover Bank, Case No. XXXX, in the in the Supreme Court of the State of New York , County of XXXX XXXX. The Discover FCRA Class Action Lawsuit is XXXX XXXX v. Discover Bank, et. al., Case No. XXXX, in the U.S. District Court for the XXXX XXXX of Wisconsin . XXXX XXXX XXXX has reached a {$10.00} XXXX class action lawsuit settlement over allegations it duped its customers into signing up for the fee-based products : Discover Payment Protection ( formerly known as Discover AccountGuard ), Identity Theft Protection ( formerly known as Profile Protect ), Wallet Protection ( formerly known as The Register ), and Credit Score Tracker. As a result, consumers who were enrolled in one of these products between XX/XX/XXXX and XX/XX/XXXX may be eligible to receive up to {$30.00} from the Discover product class action settlement. XXXX XXXX XXXX has reached a class action settlement over allegations that it used an automated telephone dialing system and/or an artificial or prerecorded voice to place non-emergency telephone calls to a cellular telephone in violation of the Telephone Consumer Protection Act ( TCPA ). If you received an automated call from XXXX XXXX XXXX or any related parties between XX/XX/XXXX and XX/XX/XXXX, you may be eligible to receive financial compensation. A lawsuit has been filed against financial giant Discover, alleging that the company called more than a hundred times to try and collect someone elses debt. The phone call lawsuit claims that Discovers actions violate federal laws detailed in the Telephone Consumer Protection Act ( TCPA ) designed to protect the public from harassment Law360, New York ( XX/XX/XXXX, XXXX XXXX EST ) -- Discover Bank and law firm XXXX XXXX XXXX XXXX XXXX were hit with a proposed class action in Pennsylvania federal court Friday that accuses them of trying to collect on credit card debt without proper evidence. According to the suit, filed by customer XXXX XXXX XXXX XXXX, XXXX, Del.-based Discover, its subsidiary XXXX XXXX XXXX and XXXX-based XXXX, which serves as a debt collector for Discover, have engaged in an illegal and deceptive scheme to collect credit card debt from customers, using false information to back their claims. In Michigan state court there are over 6 cases against Discover and in XXXX county courts over 20!
Consumer complaint received 2017-02-05
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (VA)

PNC has historically processed debits before credits over the weekend. Example, I start with positive money on a Friday, deposit additional money, and am hit with overdraft fees ( last time over XXXX dollars worth ) on Monday or Tuesday, BEFORE my money is deposited. 

Another problem, dispute to my debit card. I am switching Banks at this time. I had XXXX disputes pending. I had approximately XXXX dollars on Friday. They reversed all XXXX disputes at once on Friday to overdraft my account intentionally. XXXX dispute, XXXX granted a refund and PNC never credited me. I had documents and PNC claimed not received. XXXX of the reversals used to overdraft my account. XXXX at my branch faxed the evidence including my fax to PNC and XXXX email granting refund. 

PNC did not notify me if any of this, just overdraftfee my account, AGAIN. They hit my account on a Friday XXXX XXXX ) with all of these at once to overdraft me again on an account I 'm no longer using. Classic example of what they do. 

My complaint is the dispute results with evidence provided reversed, and the pattern of processing debits before credits over weekend to intentionally overdraft my account when deposit were made over weekend. 

I tried to close my account and it was refused because it 's overdraft. I had about XXXX dollars on Friday. Now it 's overdraft.
Consumer complaint received 2016-03-01
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: KEYCORP (PA)

My private loans will not work with me during my economic hardship. I currently am on government assistance and gross $ XXXX/month. My rent alone is $ XXXX/month. I can not make payments on my student loans with this amount of debt, and they will not help me at all.
Consumer complaint received 2015-11-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (FL)

GE Capital called XXXX times between XXXX/XXXX/15 and XXXX/XXXX/15 about my Sam 's club credit card. My hours were cut at work from XXXX to XXXX per week so my XX/XX/XXXX payment I could only pay them {$100.00} instead of {$180.00}. The XXXX times they called they wanted the other {$83.00} even though I told them my hours had been cut and this was all I could afford. They conyinued to call stating they were tacking on late fees until I finally blocked the calls on my phone. I believe this is harassment. I 'm sorry I ever got an account with them. I have n't used the card in over 3 years and all it does is go up. When I reached the limit I stopped using it and all they did wa tack on more fees and a high interest rate.
Consumer complaint received 2016-11-28
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (MT)

Belk credit card services, Synchrony Bank, has a billing window- after the billing date, and before the payment due date approximately 20 days later- where any payment made will count as your monthly payment. Any payment made outside that window will apply to your account, but will not count as your monthly payment, allowing Synchrony Bank to charge a {$35.00} fee for a missed payment. There is never any notice of this charge, and since it is not actually a late payment ( in excess of 30 days late ), there is no mal reporting to the credit bureaus that would alert a person to the late payment status. 
I have made XXXX payments in the past 12 months totaling {$1000.00} on a revolving credit card with a limit of {$1000.00} that usually has a balance of $ XXXX and I have incurred XXXX late fees of {$35.00} each totaling {$240.00} for payments made outside the payment window. I was never notified of these late payments nor of the fees. I would have never known if I had n't called to see why my balance went up after making a payment. I have had this account for several years and have never known of this sneaky extortion.
Consumer complaint received 2016-03-01
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (OH)

Synchrony bank has contacted me every day since I have been past due at an upwards of 3-5 times per day. I feel very harassed and uncomfortable getting that many phone calls in one day from the same company to no avail. Every time I check my phone I seem to have a missed call from them.