davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-21
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: SYNCHRONY FINANCIAL (TX)

XXXX at XXXX I was woke up by a XXXX man claiming to be a Police Officer. He asked if I was XXXX. I told him yes. He then wanted to know if I knew a XXXX or XXXX. I told him I did not. He then said that XXXX or XXXX had my name in his address book and it was important ( leading me to believe the man may be hurt or dead ). I repeated that I did not know him. He then asked if I lived at XXXX? I told him that I did. He thanked me and hung up. I thought it was highly suspicious and as I do n't live in the nicest area of town became frightened he was maybe looking to break in. I then called the number back and call went to his voicemail. I left my name and number for him to please call me back. I waited and phone rang at XXXX XX/XX/XXXX. He had " XXXX dialed '' me by mistake. I listened as he another man had long unintelligible conversation for XXXX minutes when he must have figured out his phone was in use and hung up. At XXXX I tried the number again and got a different man that answered. I asked if he was a Police Officer, he told me " yes ''. I asked him his name and he said a name I could n't understand, I then asked him what city he worked for, and he became flustered and I finally just asked if he worked for XXXX County and he said yes. I asked his badge number and he rattled off several numbers that were said so fast I could n't write them down. I knew they were scamming me for some reason. I was very scared so I stayed up listening for any little thing. Around XXXX, I heard a noise at my front door. I crept to the door and looked through the peep hole and saw nothing. I sat back down and about XXXX minutes later heard a " rustling '' sound at the door. I crept back to the door and saw no one there. I then decided to open my door and look around. I then found papers from XXXX Assignee of Synchrony Bank / XXXX laying at my feet outside my door. The stack of papers had been taped to the door but the tape came away from the door because of the dust. On the top right corner of the papers are handwritten : posted XX/XX/2017, XXXX, and initialed XXXX. They were not there on XX/XX/2017 at XXXX. They were posted after the phone call from the so-called police. I am attaching my phone bill showing who called and from what number. There were two different men involved.
Consumer complaint received 2016-04-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (MI)

I have been using lowers ( spelled like that on purpose ) for 21/2 years on a business credit account/w an escrow account on top of that to rebuild my underwater/no equity house. Half way through the project XXXX bank sends me a letter they are lowering my credit from a measly XXXX dollar limit ( I am funding most of this project out of pocket ) to XXXX ( which is just above were my balance currently stands ) with some XXXX excuses about low payments, percentage of balance to credit too high, and account open less than XXXX months. I called XXXX bank about the letter and asked for some real legitimate reasons other than the XXXX they sent in the letter about the credit amount reduction, which the customer service could not supply. I stated they were full of bull, I am paying off the account ( they are not getting any more interest payments out of me ), and rudely told the customer service agent to thank their credit evaluation, decision making team thanks for the service and hung up before before anymore " I am sorry '' spewed from the lips of the customer service agent, and hung up. I have spent roughly {$20000.00} over the past couple of years with these XXXX and this the service and treatment I receive, XXXX '!!
Consumer complaint received 2016-09-28
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (MD)

I had a checking, savings and credit line account through BB & T for the last decade. Recently there were many errors and retaliatory actions that were done to my accounts. These subtle errors by the XXXX, MD team coached by XXXX XXXX was brought to your attention. I originally several times have requested formal arbitration information relating to this. My credit continues to be hurt and no resolve after months. I was told at some point there are repayment arrangements possibly I can enter into as to not hurt my credit further while a resolve/research is done. This being said, I want BB & T to know that during this entire process I have had XXXX from a car crash. I am still treating and XXXX from this car crash that was not my fault. I left in ambulance and have XXXX of dollars in bills, with plenty of documentation to substantiate. This being said I would like to see if I qualify for any medical or hardship related freezes or repayment plans? Repeatedly I have been asking for this and have not gotten any answers. I do not want my credit to be further hurt and want a proper working relationship with BB & T again without XXXX XXXX loose run ship of fools sabotaging my account because they do not like the frequency of my visits. Also XXXX pulled my credit for auto financing that I never authorized, this was never answered either. Errors to credit reporting need fixed. First things first, what can I do to repay the account into good standing while the above research and arbitration matters are resolved? Do you have any medical/hardship related payment plans, given the severity of my car crash and being limited to the amounts, types of work I can do. This medical XXXX has resulted in dramatic losses of income. Please offer me any programs I may be entitled to in writing to my home mailing address on file. Thank you.
Consumer complaint received 2016-01-14
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BB&T CORPORATION (FL)

Consumer finacial protection in XXXX location they say that money in ATM was not taking which it was and then it they called back saying it when but that envelopes are needed when other branches told me none is needed and I requested no address on my checks. I just do n't time or patience for this. Thank u
Consumer complaint received 2015-11-08
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Green Trust Cash, LLC (TX)

On XXXX XXXX, I opened a letter from a TrueAccord XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX that had been delivered to my home address. The letter indicated that " THIS IS A DEMAND FOR PAYMENT '' and asserted that I had an outstanding balance with a Green Trust Cash in the amount of {$350.00} principal, {$200.00} interest, and {$120.00} in fees. However I have had no financial dealings with any such company. Over the summer, while I was out of town on vacation, I received an email from my employer informing me that representatives of a Green Trust Cash had called repeatedly attempting to verify my employment and were extremely rude. There were also a number of messages on my home answering machine from a variety of companies allegedly attempting to " verify the application I submitted online. '' However, I made have made no applications for any type of credit online ( or anywhere else for that matter ).
Consumer complaint received 2016-12-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I submitted all the paperwork the underwriter requested by XXXX/XXXX/16. I spoke to my contact person weekly every week after because my portal was showing I still needed to provide additional docs. She assured me week after week she checked with underwriting and that they had everything. XXXX XXXX I get a call from someone else asking if I can get hem the info underwriting has been waiting on. My loan closed XXXX XXXX and has still not funded. I called and they said they do n't know when it will fund as they never got an updated payoff for a creditor and it expired on XXXX. Now they are stating they need to rework the numbers and wait on the payoff This was not was I was told from the beginning and I was counting on the funds If my loan was n't delayed from the beginning my loan would have closed sooner and my loan would have funded before the payoff expired.
Consumer complaint received 2016-10-18
Product: Credit card — 
Issue: Late fee — 
Company: SYNCHRONY FINANCIAL (NM)

Synchrony Bank which issues Sam 's Club credit cards is pulling a " XXXX XXXX. '' For the past two months I have been charged late fees and interest on my balance without receiving a statement from them or the statement arrived two days after I was emailed that late fees and interest was charged to my account. Furthermore, I have paid my balance on time and there is no record of it on my statement. When I tried to resolve this matter with the bank with a supervisor I was put on hold for 10 minutes as part of a avoidance tactic. When I called back again to speak with customer service, I was disconnected. I tried again and I was disconnected. It is my opinion that this another tactic banks are using to XXXX customers into paying monthly late fees and interest in an attempt to improve their bottom line. I want those late fees removed and all interest charges removed from my account immediately. This is another example of how banks like XXXX XXXX and Synchrony are XXXX unsuspecting customers to their benefit.
Consumer complaint received 2016-10-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (AL)

I have a JC Penner card with Sycrony Bank. Approximately a year ago l, fell behind on payments due to unemployment. XX/XX/2016, I paid a large sum to bring the card current. I continued to make monthly payments of the minimum until XX/XX/2016. I attempted to make a payment online and was unable.to do so as a meesage prompted stating I needed to contact XXXX. I called and the representative told me my account was closed due to non payment and the payment was noted on my account as settled. She told me she did n't have a lost of my transactions and asked about my last payment. I told her it was XX/XX/2016. She asked of I could verify it. I told her I received confirmation emails. She said there was no record and my account stated paid and settled. I told her I was not behind, and I 'd paid a significant amount of money, approximately {$500.00}, to bring the account current. More importantly, I would never agree to settle an account for a negative reporting on my credit report. She told me she notate a need for an investigation of my account. She told me to call back in 48 hours. l asked for a.return phome call or documentation be sent in the mail of the inquiry. She told me she could not make oitgoing calls or send notice in the mail. I called back 72 hours later, to allot ample time for the investigation, and the new representatvie shated the same information. My account was closed for non payment and noted as settled. This concerns me because I was not behind on payments. I did not agree to settle, and I spent approximately {$500.00} in XX/XX/XXXX to bring the account current.
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: Delinquent account — 
Company: SYNCHRONY FINANCIAL (FL)

My problem started in XXXX 2013 when I had a credit card issued by Synchrony Bank and I had stopped getting monthly bills from them, at this point I was unable to login online, or contact anyone through their customer service line, because they stated that I had passed away. Now as you may or may not know I am writing this so therefore have not passed away, and am very much alive. I 'm left unsure of where to turn with my problem and thought that maybe it would eventually go away. Now I 'm stuck with a credit card that was Charged-Off due to non-payment, which they would n't take. Due to this issue still not being resolved my credit has dropped significantly, and they are still unwilling to resolve this matter. Please if you can I would very much appreciate your help in resolving this matter.
Consumer complaint received 2015-06-11
Product: Credit card — 
Issue: Other fee — 
Company: SYNCHRONY FINANCIAL (WI)

This is a complaint about BP Visa Credit Cards and the changeover from XXXX to Synchrony. 

My last XXXX credit card bill told me that autopay is on, that the full balance would be withdrawn on the due date. It was not. During the course of the last billing cycle, Synchrony took over and no payment was collected. Instead Synchrony charged a late payment fee of {$25.00} and interest of {$14.00}. They have corrected the late payment fee, but not the interest, yet. I have contacted them. 

I am contacting you about this because it may have affected a number of customers and the banks should not be rewarded for incompetent handover by allowing them to even try to collect late payment or interest charges from those who had autopay set up with XXXX.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (VA)

I got the account on XXXX XXXX, XXXX. I did not intend to sign up for the card.One of the employees closed my account without my consent. I had expressed my concern about the account to the employee. She told me that closing the account will not be possible until the balance is paid off first. She told me to call back in a few days to confirm about the account. On XXXX/XXXX/XXXX I have n't paid the balance off yet because I have n't gotten the statement in the mail and I just received a letter saying the account is closed.I have yet to get the actual card in the mail also. We never confirmed anything and there was no talk about a letter coming in the mail about how the account is closed. Not only I got my credit pull for the card, I now have to worry about a closed account with a balance ruining my credit score. I will be paying the balance off tomorrow morning.
Consumer complaint received 2016-04-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: USA DISCOUNTERS LTD (VA)

USA discounters has not been refunding the total amount back to customers when they add new products to a contract. When they rewrite the contract They do n't apply the full refund back to the customers. A little bit it left in the principle to keep accumulating interest and the principle. 
This happened over my XXXX rewrites as I added new items. I did n't catch it until I was in a court battle with USA discounters and reviewing all my contracts. I noticed the difference when I compared there previous warranty and debt cancelation charges to the refunded amount. I read thought there bankruptcy paper work and they stat in there that those XXXX items are broken down over the length of the contract. 
When I went to court about the matter we settles but the lawyer told me I would probably win that section of my case if we went to the judge. I settled on a XXXX pay back ay 9 % interest over XXXX months. Which is fine by me when I was suppose to pay XXXX total. 
I need to bring this forward because if they did this to me they are doing it to other customers before they started there chapter XXXX. I hope you can look into this and it is found to be true and they are stealing form customers.
Consumer complaint received 2015-12-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc. (NC)

I previously had an account for internent service with XXXX but I closed the account in XXXX and paid the balance in full. However, in XXXX I received a bill from XXXX stating that I have an out standing balance I ca n't remember the exactly amount but I think it was about {$38.00} I called them we argued but they told me that I was billed for the month on XXXX even though I had cancelled my account. because I did n't want to have any problem with my credit, I paid the amount in full the requested. but in XXXX I reveived another bill from XXXX again so I called them right away on wednesday XXXX XXXX 2015.After they transferred me XXXX different places, I finally talked to XXXX of their agent called XXXX. she told me the account was set up in XXXX so I asked her how the account was set up under my name with my address and all my information without my concern? but she did n't give me any definite answer, she just said maybe it was an error. however, she to me everything was taken care of and there is nothing to worry about. she give me this confirmation number ( XXXX ) that the account was closed and everything was clear. At the end of XXXX, I received another bill from XXXX but I thought maybe it was sent before I talk to them in XXXX so I ignored it, however early this month, i received another bill from XXXX again and this time I also received a litter from collection again attempting to collect a debit ( here IC system, account # XXXX ) I also called them but she demanded me to pay the balance of {$120.00} which I told I do not own, so I told her I will called XXXX I hanged up and called XXXX right away an agent name XXXX XXXX answered the phone, I explained everything to her she told me it look like it is system error becauses the account showed it was cancelled in XXXX, so I asked her to please transfered me to the manager, so she transferred to another agent name XXXX, I spoke with XXXX for about five minutes before i realized she was not the manager, I asked to transferred to the manager but she said the manager was in the meeting and asked for my contact number to call me back whenever the meeting is over, I gave her my number and asked for the manager number in case they do n't call me so I can call them because they have done it to me before and they never call me back.But she refused to give me the manager or any direct call back number, I to her please give me the manager number so that I can call back whenever he/she finishes the meeting, she said there is no direct number and hanged up on me. 
So please I really need help for someone to question these people why are they doing this, and secondly clear my name and all my information in their system, I do n't trust them any more and I do n't want them to have any of my information in their system. thank you.
Consumer complaint received 2015-06-12
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (IL)

In XX/XX/XXXX I used my XXXX credit card to pay for my severely XXXX son 's XXXX for {$800.00}. However when the provider ( XXXX ) processed the payment, they did so using XXXX different transactions and using a name I did n't recognize ( XXXX ). The next month, not recognizing the vendor name or the amounts on my statement, I disputed them with XXXX. On XX/XX/XXXX the provider contacted me about the charges. Finally realizing my error, I called XXXX back and they immediately re-ran the charges. Those charges showed up as having been charged to my credit card on XX/XX/XXXX. On XX/XX/XXXX, I received another call from the vendor demanding that I write a check for the missing money or my son would n't be able to finish the term ( even though my credit card statement clearly showed the charges and XXXX verified them ). I wrote them the check which they cashed. XXXX uses PayPal as their credit card processor and since XX/XX/XXXX XXXX, who has taken the lead on advocating a resolution with PayPal, has initiated XXXX calls with me and PayPal. On each call we have been told that the money is at PayPal but has NOT been transferred to the vendor 's account. As of today, it still has not funded even though on the XX/XX/XXXX call PayPal assured us that it would be funded by XX/XX/XXXX. Because I paid for the XXXX session XXXX ( even though XXXX has only received the money XXXX ), I did n't have the money to pay for the summer session and XXXX removed my son from the program. Because there are lots of other special needs children on the waiting list, XXXX will NEVER get his place back at XXXX. I believe that PayPal has been holding these funds, while I have been paying interest on them, since at least XX/XX/XXXX. Unfortunately, I ca n't afford to float this kind of money and neither can XXXX, which is a small volunteer-run non-profit organization.
Consumer complaint received 2016-08-29
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc (NV)

My son had moved to XXXX and my nephew set up a Paypal account for me. My son was depositing money so I could pay his bills in the state plus deposit money into our account for him. I had withdrawn money and put it into my bank account and then I went to withdraw again and there was a hold on my paypal account. 
I contacted then and they informed me the paypal account was a business account and they needed more information. I told them there was a mistake as it was suppose to be a personal account not business. They informed me they would let the department know and the account would be released. That never occurred and I phoned them 4 more times. I spoke with XXXX and XXXX supervisor who told me that department is very behind and it takes at least 6 months to look at the complaint and it 's been just over 5 months. They told me they received all the paperwork that I sent and that it would be at least another month before it was looked at. 
My son was n't able to start college on time and he 's not getting the interest on his money he would receive in the bank.
Consumer complaint received 2016-06-04
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc. (VA)

IC Systems is reporting a collection account on my XXXX credit report that has not been validated or verified. I have never received anything in the mail from them and then I look at my credit report and they have a {$65.00} collection on there.
Consumer complaint received 2022-08-04
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc (MT)

was sent {$1600.00} on XX/XX/XXXX for auto parts i sold. was told by paypal i needed to upload tracking and wait for parts to deliver before the payment posted. parts delivered XX/XX/XXXX with a signature and buyer reports parts have been recieved in good condition. have made XXXX attempts to resolve and am not getting any answer. was told a claim was opened twice and received no further communication when i asked about the claims.
Consumer complaint received 2017-01-03
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: Ria Envia, LLC (GA)

I sent an International online money transfer using Continental Exchange Solutions Inc dba Ria Financial XXXX in the amount of {$1000.00} ; they charged a {$7.00} fee for a total of {$1000.00}. Since I sent it to my own Bank Account abroad, since I could track the actual amount received by my Bank there, I realize that Ria Financial XXXX did not send the whole amount ; my Bank received {$980.00} and they applied the official exchange rate of XXXX XXXX = XXXX XXXX Dollar. Ria took {$12.00} out of my money and concealed it, using a lower exchange rate of XXXX {$2900.00} = {$1.00} XXXX XXXX. ( XXXX )