davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-11-16
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NJ)

I leased a 2015 Ford Fusion in XX/XX/2015. Thus far, my vehicle has been in the shop collectively over 40 days. Most recently, the car was in the repair shop for 24 days. The Ford dealership had to rebuild my transmission twice, and was unable to fix an electrical problem inside of the car. I leased this vehicle because this is my first new car and had no car credit and student loans-making it difficult to purchase a car, which was my initial intention. The finance department advised me to lease the car and buy it out at the end, because they knew my plan was to move out XXXX, where I lived before, and had the goal of purchasing my own vehicle. The lease was only to be able to have a financing option. The dealership was also aware of my work, which is as XXXX, and that I drove a great deal, transporting other people 's children. They were aware I was going over the mileage, again, reinforcing my intention of purchasing the car at the end of the lease. Now, the car has lost so much value, I have been backed into a corner. My job is on the line because my car is not safe and I can not transport the child I am caring for. I got a new car because I care the most about safety and reliability, and it has neither. The dealership said that it is not their problem, but I can not buy a car that is not what I was sold in the first place. I feel helpless and this car has now put me in a hole. I believe it is the manufacturer 's fault that these issues exist. There is an electrical issue that the dealership has said can not be resolved and Ford has agreed, and now the transmission. I will never be able to sell this vehicle after buying it and I will not be able to afford repairs after my lease is up, especially now that transmission AND electrical issues exist. Ford and the dealership keep saying I have to pay but I just do not believe that it is fair. None of the issues have been my fault and I should not have to pay for them.
Consumer complaint received 2016-11-04
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (PA)

I got in the mail a promotional balance offer from Barclaycard and initiated it online XX/XX/2016. On XX/XX/2016 Barclaycard debited my account for {$950.00} plus {$38.00} balance transfer fee and mailed a check to XXXX. XXXX recieved the check for {$950.00} and it posted to pay off my credit card balance with them. On XX/XX/XXXX Barclaycard, without my authorization, reversed the balance transfer violating their own internal policy of not canceling a balance transfer until the XXXX business day, in my case XX/XX/XXXX. 
I received a letter dated XX/XX/2016 from XXXX of the XXXX that they would not fix their reversal mistake. I have a call into them as to how they can do that when their check to XXXX has already cleared the fed and posted to payoff my XXXX credit card balance. In other words the balance transfer transaction was finalized on XX/XX/XXXX. XXXX indicated they can not stop payment on the check since it has cleared the Fed. 
My balance with Barclaycard is {$0.00} since the reversal ; I find it hadr to beleive they are giving me {$950.00} free & clear! : ) Help! and thank you XXXX ( 267 ) XXXX
Consumer complaint received 2016-10-01
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (VA)

First issue was that I had a very sick pet. I used the card for the vet bill. The company provided no warning that I was going over my credit limit. They charged a fee. I paid fee and started to be very careful with card. Next issue, in XXXX 2016 the bill was due on the XXXX. Bill arrived on the XXXX. I always pay all my bills that arrive during the week on the Sunday, in this case the XXXX. I opened the bill to discover that I was past due. Of course, even if I had opened the bill on the XXXX I would not have had time to get the payment to them through the mail. I have noticed that this company has been mailing its bills later and later in the cycle. So many months ago I had set up, on the Internet, a bill warning alert, with them, to alert me 10 days before bill was due. Apparently, when the company was sold all these warnings were removed. Resulted in a late payment fee of {$27.00}. I paid them on the Internet as soon as I noticed that I was overdue on the XXXX. I sent them a note about the late arrival of the bill on the XXXX and have not received a response. Interestingly, this month 's bill, XXXX, arrived early as it should.
Consumer complaint received 2016-06-08
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (MN)

Hi, I opened a credit card account with walmart XX/XX/2015. The advertisement said the card came with a {$35.00} sign on bonus if one use it for a purchase right away. I did but the company did not deliver. I paid off my entire bill using the creditcard 's website before the due date in XX/XX/XXXX. A month after, I got a message stating that my bill was n't paid and there was a late fee of {$35.00}. I called the customer center to have the situation rectified and the apologized for the inconvinience and stated that the payment did n't go through but they 'd waive the late fees. So I paid off the amount and asked to terminate the card and my membership. We went through the process and the representative said the account was closed. This was in XX/XX/XXXX. A month later I received another email for a payment and a late fee. I called again and this time the customer service rep was very unprofessional and did not offer me any help. I called another rep and went through the entire process again. I now have the total amount in my bank records. This was two months ago. Today I received a bill in the mail from walmart requesting more payments. They do n't have any other means of contact order than the customer service number which have proven to be very unhelpful.
Consumer complaint received 2015-03-26
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL (IA)

This debt collector calls repeatedly, 2-4 times per day including both weekend days, sometimes leaving automated messages. I last answered a call from them on XXXX, during which I informed them up front that I was aware of the state of my account and did not know when I would be able to pay the bill ; I was pushed no fewer than XXXX times to agree that I would have it paid by a certain, arbitrary date so that the caller could leave a note on my account to that effect, which I would then be held to, despite my repeated insistence that I was not certain I could pay by that date. The caller eventually put the note on my account despite my protests. The repeated calls are intrusive and stressful.
Consumer complaint received 2016-06-25
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: SYNCHRONY FINANCIAL (MO)

I 've been sued in XXXX XXXX while I live in XXXX. The debt, if any, was not acquired while I lived XXXX. I lived in XXXX XXXX for 3 years, XXXX, after I retired from active military service. I moved back to XXXX XX/XX/XXXX, for medical treatment. I was not properly notified, the debt is 7 years old, passed the statute of limitations XX/XX/XXXX as well as in XXXX XXXX. The funds are exempt from collection, ( social security for XXXX, veteran compensation, ). XXXX XXXX, XXXX is the collection company in the states, represented by XXXX attorneys & counselors at law in XXXX XXXX. I am a XXXX veteran, if forced to attend to court in XXXX XXXX will require me to acquire great deal of expenses to include, travel with my caregiver, car rental, lodging, creating an unnecessary financial and mental burden. Causing me physical and mental distress.
Consumer complaint received 2016-05-18
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (KY)

I opened a PayPal Smart Connect ( XXXX ) account XX/XX/XXXX. I made some purchases, but I never received a statement from XXXX until several months later, after the account had already been closed and was in the process of a charge off. In fact, I believe the first correspondence I received on the matter was from the collection agency, which alerted me to the account status. It was extremely difficult to locate any Smart Connect account information on their website at that time in XX/XX/XXXX. It seemed like the website was purposely designed to keep customers from making payments by way of confusion. I was not signed up for paperless billing, so I lost track of the Smart Connect credit line. In retrospect, I wish I had been more proactive in hunting down a way to pay the bill. I was suffering some financial difficulties at the time, but I would have paid at least the minimum monthly bill if I had received statements. By the time I was able to get up with GE/Synchrony to straighten things out, the account had been charged off. The damage had already been done to my credit, so I was frustrated and left the account in limbo for three years. XX/XX/XXXX, I contacted GE/Synchrony to pay the past due balance in full, but they would not accept payment. They subsequently referred me to a third party creditor who had assumed ownership of the debt. I then promptly went and paid the full amount ( {$730.00} ) to the new creditor. Being a loyal customer with XXXX other lines of credit through Synchrony, I contacted them to request removal of the charge off from my report ( since I paid the debt ) on several occasions as a matter of goodwill, but they have refused each time. The continued presence of the charge off on my credit reports is wreaking havoc on my credit and causing me substantial damages in denied credit and increased interest rates. Since Synchrony 's deceptive/faulty billing practices in large part caused the derogatory mark on my credit reports to begin with, I would like the trade line deleted from those reports as soon as possible.
Consumer complaint received 2016-06-27
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (PA)

I have a huge problem with my Citibank payment. My FICO score dropped over XXXX points due to " miss payment '', which, is totally not my fault. First of all, I set up automatic payment for my account at the very beginning. Second, I have been having difficulty logging into my Citi account on my mobile app, as well as online. So when I tried to check and pay my monthly bill, I simply had no way to access anything. Plus, Citi closed all its branches in Pennsylvania, and this is where I live, so I can not go to any local offices to solve my problem, but to call their hot line. Third, after I got through the hot line, the representative said that the reason why I could not log in to my account is they sent me another debit card before without letting me know, and, I do not understand why they sent me a new card. Anyway, I did not receive the new card, so I have been unable to log in to my account. This led me to miss my payment, and they blamed it on me. The week before last week, I tried to pay my bill over the phone by giving my authorization ( last XXXX digit of my checking account ) to the representative to take money from my auto payment checking account. And I was confirmed that the payment was successful, so I guess they have my correct payment information. But today when I called Citi again after I found out I lost over XXXX FICO score because of the " miss payment '' ( absolutely not my fault ), the explanation they gave me was the auto payment did not go through. I found this extremely unacceptable, because they used the same payment account to pay my bill the week before, and it went through. But, they refused to cancel the report of my miss payment to the credit union. I have been trying to solve the problem for almost three months, but I still can not login to my Citibank account, I still can not make any payments on my own, and, because of which, I lost over XXXX FICO scores.
Consumer complaint received 2017-01-06
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (KY)

I ordered {$700.00} worth of gift cards from XXXX. After contacting XXXX 4 times, I received no response from XXXX ( I was told someone would get back to me/never did ). Finally opened a dispute with Citibank since XXXX would n't even talk to me and never delivered the merchandise. Citibank now sent me an enotice saying XXXX said they delivered the cards and Citibank would uphold the {$700.00} charge from XXXX. XXXX never delivered the cards. XXXX sent me a tracking number XXXX that even today shows no movement or delivery. I forwarded this email proof to Citibank but I still do n't see a permanent refund to my account. Apparently XXXX just has to say they delivered even though I have proof otherwise. XXXX 's own tracking number they provided in a customer service email shows no delivery was ever made as of XXXX XXXX. The cards were due on XXXX XXXX as XXXX gifts. Obviously useless this late as I had to replace them. Citibank is not helping me at all and has found in XXXX 's favor even though I have proof otherwise.
Consumer complaint received 2016-01-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ZIONS BANCORPORATION (CA)

I refinanced my home with California Bank & Trust, they sold the loan without notifying me, and I made my checks out to them for two months after the refinance ( I have copies of the cashed checks ) but they did not forward funds to the new lender. Inside of 60 days I was turned over to collections by the new lender, and after numerous calls to California Bank and Trust, with no results, I am now in default of my loan. A representative of California Bank and Trust has acknowledged their mistake but to date, and it has been over a month now, has refused to reimburse me or pay new lender. I do n't know what to do, but I 've hired an attorney to look into the matter, and would also like to file a complaint. I understand they are legally bound to notify me of selling my loan inside of 30 days, which they most certainly did not. It appears as if my XXXX FICO score wo n't be XXXX much longer.
Consumer complaint received 2016-07-29
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Brelvis Consulting, LLC (NC)

I recently reached out to XXXX to help me with loan consolidation. They took advantage of me not really being well educated on the matter and got private information and an upfront payment for services. Upon further research that night, I discovered I could do that for free and that it 's a scam to take money upfront for loan services. I reached out to my credit card company to block payments and dispute the charge. I proceeded to reach out to the student help center where they gave me the run around to get in touch with compliance to cancel the service. I have left voicemail and emails to multiple departments with no response.
Consumer complaint received 2020-06-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A. (GA)

This is exactly the error I got when trying to connect my PNC account via XXXX to XXXX XXXX XXXX XXXX : " PNC PNC has made a change that prevents you from being able to link your accounts. 
File a complaint with the CFPB The Consumer Financial Protection Bureau makes sure banks, and other financial companies treat you fairly. You can alert PNC that you need access to your financial data by filing a complaint with the CFPB. '' And below the text there is a link to this form. 

I am almost 100 % positive I have successfully used XXXX to link my PNC account to other services before - in fact I know it's worked, but there's always been a disclaimer text at the bottom claiming there are some ongoing issues with connecting this bank. So I am not sure if the issue is isolated, worse for some and nonexistent for others, or what's going on. If you could forward this info to PNC I think it would be beneficial for everybody involved. They are a good bank. 


One last thig : everything on PNC 's end actually would seem to be fine, as right when that message prompts instructing me to contact your organization, I get an email from PNC, every time without fail. It says this : " On XX/XX/20, PNC Bank received a request to link one or  more of your PNC Bank account ( s ) to an online or mobile financial service. 
If you don't recognize this : Change both your user ID and password so they are unique to PNC by signing on to PNC Online or Mobile Banking. 
Call us at XXXX to report unauthorized activity. 
This alert was sent for user ID ending in *****XXXX. 

Thank you for banking with PNC Bank. '' I have definitely gotten the same message from the same PNC automated system before when the connection thru XXXX  worked just fine.
Consumer complaint received 2015-09-06
Product: Credit card — 
Issue: Transaction issue — 
Company: PNC Bank N.A. (OH)

On XXXX/XXXX/2015 a transaction conducted at the XXXX in XXXX was swipe for XXXX services as $ XXXXXXXXUSD instead of XXXX. The Resort as admitted to the transaction error and contact my bank to rectify. I filed a dispute with my bank on XXXX/XXXX/2015 dispute number XXXX. The only thing the case worker at the bank did was get a copy of the incorrect ( swiped ) transaction and has refused to credit back the difference. This is gross incompetency and/or the bank does not have the correct qualified employees working to resolve consumer complaints. I explained the transaction in question was an error and so did the Hotel, yet no follow-up nor verification beyond getting a copy of transaction was done by my bank. I have copies of the final hotel bill showing billing was XXXX, emails from Hotel explaining the error, and names of individuals at resort vainly trying to resolve this with my bank. My bank has not responded to any letters from the resort 's accountants and bank to have this resolved.
Consumer complaint received 2015-12-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MI)

I currently have a loan through pnc bank and because my insurance was through escrow and I had high risk dogs at my home the insurance company told me to get rid of dogs or pay a premium increase. I told insurance company I got rid of the dogs. And they still sent a bill to my mortgage company in the amount of XXXX without me knowing. So my monthly payment went up from XXXX to XXXX and then I contacted a company for modification. And they stole my money and ran and told me not to contact my mortgage company they would deal with everything. Well months later I find out my home is in foreclosure and tried getting a modification and Heep getting denied ... ..I will do anything to save my home. It means the world to me and my family.
Consumer complaint received 2015-11-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

My mortgage got transferred to a new company PNC Mortgage last month. Today, I called to verify that they have received my monthly mortgage payment. I called XXXX times to XXXX and each time the machine says welcome to PNC Mortgage than then HANGS UP THE PHONE!
Consumer complaint received 2015-03-24
Product: Credit card — 
Issue: Other — 
Company: SYNCHRONY FINANCIAL (RI)

Paypal smart connect was impacted by fraud/unauthorized access. Previous complaint with consumer finance filed. No I longer have access/see my account online. I have ceased getting statements/have no record of the account or what the current balance is. 

The account is compromised, and I 'm not sure what portion of the balance on the account is even mine at this point. I 've been cut off from managing it and XXXX ( and its partner bank ) are non responsive. 

I need to know the status of this account and I need to make sure that any late status on this account is n't reported as my fault as I am currently unable to manage/access the account. 

Account number : LAST XXXX - XXXX ( Not really a credit card, but a line of credit linked to a XXXX account that ONLY works with a XXXX account XXXX
Consumer complaint received 2015-07-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AFNI INC. (NM)

I paid my last bill with XXXX XXXX on XXXX/XXXX/2013, and that paid for my internet services up until XXXX/XXXX/2013. About a week later ( the week of XXXX XXXX ) I called to cancel my services. The representative asked if I wanted a refund or use the services I paid for up until XXXX/XXXX/2013. I chose to use what I paid for. So at midnight on the night of XXXX/XXXX/2013, they were cancelled. A month later in XXXX, they sent me a full bill for internet with charges for a full month of services with them ( XXXX XXXX ) and a bill for XXXX XXXX. XXXX I had bundled with XXXX, but cancelled the XXXX services in XXXX 2013 and received a refund for the prorated amount. I called to let them know I had already cancelled both services, paid all that I owed, and even got a pro rated refund for the XXXX XXXX XXXX I had n't had since XXXX, but XXXX refused to clear the extra bill. They sent me to collections, I disputed it and it was taken off my credit report. Now that I 've applied for a mortgage and got a copy of my credit report, I see that they re filed the bill through XXXX different collections agencies at the beginning of this year, but I was never notified of this. Looking at the report, it looks like the XXXX company is called, " XXXX '' and the XXXX is called, " AFNI '' which I have never even heard of.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (ID)

On XXXX/XXXXXX/XX/2015 I called customer care for XXXX credit cards to see options for trying to open my available for purchase amount. I had just returned an item and was looking to purchase something else. When I spoke to the representative he advised me there were no options and I would have to wait for the credit to apply. We then spoke about a possible credit limit increase. At this time he said that since it was a new account and nothing had changed the credit line probably would n't change. This is considered discouraging a customer to request a credit limit increase and is in turn against the law. When I advised him that what he just said was illegal he then said he can help me request the increase. I just really surprised and taken back by my interaction with this company.
Consumer complaint received 2015-10-25
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: SYNCHRONY FINANCIAL (NV)

Wal-Mart Credit Card account XXXX with Synchrony Bank throughout the period I had an account they double charged payments by trying to take the same amount out a second time for the same amount as I made the payment. Last payment they did the same thing, my banking institution caught it and reversed the charge. Synchrony Bank once again accused me of bouncing a check and closed my account. I have never paid late. This is unfair activity by Synchrony Bank ; I received a letter of their acquisitions. Treating consumers this way needs to stop ASAP.