WillisBack/dataset-financial-user-claim huggingface dataset:
This complaint relates to a practice of Discover Card, which I believe is a standard practice in the industry - namely that credit card interest rates are automatically raised to penalty rate levels if a customer is late with payments and/or exceeds his/her credit line, but are NOT  RESET to lower levels once an account is back in good standing. 

During a period of time when I was self-employed between XX/XX/XXXXand XX/XX/XXXX, I had some occasions when I was not able to make timely payments. As a consequence, the interest rate on my account was increased to 29.99 %. Over the past several years, I paid down the balance on my account and put the account on automatic payment so that {$450.00} or the minimum payment would be made each month. I have had this arrangement in place for at least the past four years - if not longer. For example, my account balance as of XX/XX/XXXX was XXXX against a credit line of {$15000.00}. XXXX payments of {$450.00} per month were being made. At that time, the interest rate on the account was still 29.99 %. My credit score, by the way, according to my statement from Discover was XXXX. I should note that this is the only credit card I have and that my only other debt was a car loan which is also paid automatically from my checking account. 

I did check with Discover at the time to see about reducing the rate on the account but received no satisfaction. 

I have maintained the account in good standing since that time. I have used the card more heavily in the last 15 months partly on account of unexpected travel and partly because I was moving away from using my debit card because of some fraudulent transactions on that card and the general advice not to use a debit card for expenses. As a consequence, the balance increased on the card. However, due to the 29.99 % interest rate, the balance grew more rapidly than I expected since so much of my automatic payments were going to interest. For my statement ending XX/XX/XXXX, the balance on my account was {$18000.00} against a credit line of {$18000.00}. The minimum monthly payment of {$510.00} included a charge of {$490.00} for interest for the month - still being charge at 29.99 %. 

My complaint is this : how is it a fair business practice - or in the interests of promoting prudent financial practices among customers - for a credit card company to have automatic programs for raising interest rates to penalty rates and yet have no programs for the reduction of those rates.
I received a bill from XXXX XXXX XXXX which I have paid. I have received subsequent contacts from Harris & Harris debt collection by mail, and phone attempting to still collect a debt which has been paid. I have copies of cashed checks as proof of payment. Actually I accidently overpaid the debt by {$100.00} for a so XXXX XXXX XXXX owes me {$100.00}. Harris & Harris began calling me at home and work. I have documented the following dates and times Harris & Harris called me on my cell : XXXX Est from XXXX, XXXX EST from XXXX, XXXX EST from XXXX, XXXX EST from XXXX.
Over six months ago a fraudulent charge was made on macy 's XXXX card. It was for {$75.00} at XXXX # XXXX in XXXX PA on XXXX XXXX, 2015 according to the statement I was sent in XXXX of 2015. I called immediately upon receiving the statement as I do not use the card. The card has never left my possession or even my home in over a year and I had n't used it. I filled out the fraud affidavit and spoke to multiple agents regarding the fraud and they sent me XXXX letter confirming my " inquiry '' on XXXX XXXX 2015. They closed the card and sent me a new card and the balanced transferred the {$75.00} disputed charge on to the new card along with a late fee and interest charges. I called again and they stated they were working on it and that it could take time. Then they sent another bill each month since XXXX adding late fees to the disputed amount and interest charges. Each month I called and they are working on it and told me not to worry about the bills. They lowered my credit limit and the most recent bill is for XXXX. I have called multiple times and talked to people in the fraud department and now when I call they only will put me through to their collections department as they state my account it past due. I never made the original charge and I do not owe this money. I told them I no longer wanted to due business with them because I have never been treated so bad by anyone and they stated that they could not close my account because I owed money. I do not owe any money and the fraudulent charge should have been cleared months ago. I am also worried that they are reporting this to my credit bureau and they could not answer me when I asked that question. I want to resolve this without legal action so I do n't have to incur even more money due to the fraud.
I was sued by a collection agency named XXXX XXXX for an installment loan I took out with another company named Opportunity Financial LLC. On XX/XX/XXXX we reached a settlement agreement. The agreement stated I would make 3 payments of {$740.00} dollars beginning on XX/XX/XXXX in exchange no judgement would be filled and nothing would be put on my credit report and the debt would be paid in full. On XX/XX/XXXX I made the payment and faxed the signed agreement to XXXX XXXX and was told I did not have to go to court because they would have the judge sign the order and send me a copy. Instead XXXX XXXX took my payment and the signed agreement and still went to court on XX/XX/XXXX and filled a judgement for a higher amount and sent a garnishment on to my place of employment. I contacted XXXX XXXX and was told that a motion to dismiss would be filled. 3 weeks went by and they still did not fill a motion. So I filled a motion with the court to vacate the judgement. XXXX XXXX contacted me on XX/XX/XXXX trying to collect a second payment and threatening me saying if I didn't make the payment they would not dismiss the motion to vacate judgement even though that was the original settlement agreement in the beginning. XXXX XXXX and I made a settlement agreement. I kept my part of the settlement agreement and 2 days later they breached the agreement after taking my money and then threatened me after I filled my motion to get another payment.
On XX/XX/XXXX I submitted to Carrington a written request for a full disclosure as to the categories and dollar amounts for each category that were included into making up the {$41000.00} referenced in my Loan Modification Agreement. This was the amount added to our outstanding principal balance. Our principal balance was {$14000.00} ; the current balance is now {$180000.00}. I am not satisfied with the information that Carrington provided in their response dated XX/XX/XXXX. They provided me with TOTAL dollar figures for the interest and escrow balances. I want more specifics such as beginning and ending dates that comprised the {$29000.00} for accrued interest on the delinquent payments ; and what payments were made from the escrow charged in the amount of {$11000.00}. They did n't break down what was paid for insurance, taxes, etc. from the escrow account. They did n't provide me with any dates for any of the escrow payments. I feel they are being evasive as to what comprised the {$41000.00} added to our principal balance.
I called Carrington Mortgage Services, LLC today inquiring about my XXXX Mortgage Interest Statement for 2016 tax year. I was informed by the customer service rep ( XXXX ID # XXXX ) that due to my mortgage loan being transferred from XXXX XXXX XXXX in XXXX 2016 I would not be receiving XXXX. I informed the customer service rep that I made a mortgage payment of {$1000.00} on XXXX XXXX. Also as of XXXX XXXX, 2016 Carrington Mortgage Services paid {$3000.00} to XXXX County for taxes. I was again informed that because the interest I paid was below {$600.00}, I would not be receiving a XXXX.
Portfolio recovery has illegally re aged this alleged debt. They are reporting as an open account with an open dates. Which is a direct violation of the FCRA. I never entered into an agreement with portfolio recovery. I have tried to rectify this numerous times. They verify these accounts with the credit bureau but refuse to send me their verification methods. I asked them to provide me a copy of my I.D and social security card to verify that these accounts belong to me. They have not done so. I will be forced to make this a legal matter.
I received a letter from North Shore Agency dated XX/XX/2018 claiming that they were collecting a debt for a creditor, XXXX  ( apparently a magazine ), for {$13.00}. I do not have a subscription to any such magazine and have not purchased anything from that company. Furthermore, through a web search I found that North Shore agency has received many similar complaints.
I opened a joint-owner credit card with the Pentagon Federal Credit Union in XXXX XXXX. I closed it in XXXX XXXX with a {$10000.00} XXXX XXXX in Pays As Agreed status. The closure was only reported to XXXX correctly. XXXX and XXXX still report it as open with a {$2500.00} credit limit. I filed a dispute with both XXXX and XXXX and PenFed came back with both credit limit as correct and the account is still open. When I called PenFed, they agreed the card was closed but refused to correct their mistake.
PNC keeps sending me a bill from my closed account for the amount of XXXX. I had an overdraft back in XXXX 2017.  They continued to charge me XXXX per day my account was overdrawn which now is the amount stated above. I went into to speak to the branch manger at the XXXX office to correct the isssue an she was very rude. She said they closed my account and could n't reopen because of the fees. 
I am on XXXX and was just award and all my retro was to be deposited into that account. She told me that they are allowed by law to charge the XXXX per day until they either close or you make a deposit. 
I was so upset because I did not know that one of my bills were paid out of that account. I was n't really using it expect to make a payment when I had money in the account. Now they have placed this into collections and feel that there banking practices are a bit high and not be able to change every day. It is more than the normal about of XXXX. 
I was a long time customer and had hardly no overdraft fees ever. To leave me with out a checking account to receive my Social Security Benefits was very poor judgment on them and overcharging fees to customers.
Equifax incorrectly reports XXXX of my revolving lines of credit as being 'open ', despite the fact that it was written off for profit/loss years ago. This results in a 99 % utilization rate of my 'available credit '. Of course, if this information was correct, I 'd be able to go use this card and charge the remaining {$150.00} to reach 100 % utilization. Obviously the card is not 'open ' -- it is closed, with an unpaid balance. Hence, there is no " utilization '' factor. There is simply an unpaid debt. 

I have disputed this at least twice, resulting in no changes both times. The errant 'unknowns ' for payment history were not even changed to 'CO '. 

I attached the Equifax & XXXX credit report & you can note the differences.
Ditech is the mortgage holder on my property at XXXX XXXX XXXX. XXXX XXXX PA XXXX.I am a XXXX XXXX XXXX XXXX.I received my award form the VA last year.Included in my rarting is exemption from real estate taxes on most of my property.I still do pay for an additional XXXX acres of my property.When i submitted my paperwork to Ditech about the exemption it took quite awhile almost a year for them to lower my escrow payments to adjust for the lesser taxes i will pay.Ok they lowered escrow payments but now they are always late paying my real estate taxes.They are now late for a payment that was due XXXX XXXX, 2016. I have called them numerous times ( their tax department ) and it is to no avail .I have submitted to them the times and payment amounts for my taxes.They are still paying late and i am assured they are paying the late fees but i dont believe them.I need them to get their act together and pay my real estate taxes on time.
I have had identity theft for XXXX yrs. I had a perfect credit score. I have after all these years finally gotten it all off. My score should be in high XXXX. It is in XXXX. With the theft in XXXX. I had police reports, took girl that did it to court, addresses where I lived during theft that did n't match. I do n't think it 's fair that they wo n't put my score where it should be. I pay every bill on time. Everything on my credit report is mine now except most of a student loan. That is under investigation.
Paypal has me on a 60 day " new account '' status. That status expired around the XXXX of XXXX. They hold every payment received ( past 75 days roughly ) for up to 21 days and make my customers mark payments as " received '' every time in order to receive funds sooner. In addition, when I do receive the funds, they often times try to place a hold of 24-72 hours to withdrawal the funds " instantly '' -- I have 2 debit cards attached and they offer this option to anyone including me depending on how their computers feel that day. I am spending more for life expenses because I have to pay with Paypal instead of cash or with my own debit card. Not to mention {$.00} per transaction that I do to withdraw funds because they don't let over {$90.00} go in one transaction ever. XXXX says there are no holds or security issues with my account. She has failed to transfer me to a manager, although she says she's a manager. They offer many excuses why things don't work, including general problems affecting all accounts for withdrawals, XXXX cards delaying withdrawals, etc. This has gone on Since XX/XX/2018 roughly. I have complied with all their rules including doing 5 transactions, including {$150.00} in funds sent/received, and waited 60 days. As of right now at XXXX, I am unable to withdraw {$1.00} from money received 2 1/2 hours ago. Those funds were released by the customer immediately. I'm on hold now for maybe 60 minutes waiting for " XXXX '' to come back. I'm on this call XXXX minutes as of right now. Paypal can not explain nor correct the issues 1 ) not placing ALL received payments in the " pending balance '' subject to up to 21 days to release and b ) making funds available consistently and fairly for instant withdraw as any other customer can do. They offer no explanation and offer no solutions. They are discriminating against me for some unknown reason. I am ALSO unable to add Paypal to XXXX XXXX through their service. A Paypal rep has said before it's a " security risk '' issue. They have suspended my account in the last 90 days at least twice and I had to submit copies of ID and invoices both times to get my account unfrozen. PLEASE make Paypal explain why they are unable to treat me the same as any other customer whereas I am no security risk and I have met all of their conditions. In addition, they hide their regulatory complaint info on their site. You have to go to " Legal '' link at bottom and then choose " License ''. " License '' is buried in the middle of a bunch of other options. They don't want you finding regulatory complaint info. Account : XXXX XXXX
I purchased a new vehicle from XXXX XXXX XXXX of XXXX XXXX on X/XX/2017. The morning I went into the dealership, I had talked with the sales manager XXXX XXXX and asked that they have the financing paperwork ready ahead of time as I had limited time Saturday morning and was just coming in to sign paperwork and begin the loan process. Nothing was ready except for the car. The sales manager ushered me into the Finance Mgr 's office and he began the process asking me to sign on an electronic pad connected to his computer, all the while not letting me see what I was signing nor read any of the documents. When I left the dealership, the Finance Mgr XXXX XXXX, comes running out to the car with a copy of all the paperwork sealed up in an envelope. When I got home and had a chance to take my time and parce through it, they had added on every insurance, every extended warranty, every life insurance, gap protection, you name it! to the tune of an additional {$7000.00} or so! I immediately notified Toyota Motor Credit Corp, the Sales Mgr, the Finance Mgr, the general manager but not one person has contacted me except the Sales Mgr who sent me an email stating they do n't redo paperwork. I am not an attorney but this seems to fly in the face if Truth-In-Lending laws! You must be able to read what you are agreeing to before you sign it.
On XX/XX/18 my home sold which was financed through Ditech. I had an escrow account set up with my home loan to pay for property taxes and home insurance. Upon closing on XX/XX/18 I was due a refund of {$2300.00} from Ditech. I have called their customer service number several times as I have never received the refund. I wrote down the following dates that I have called in regards to this matter ( there may be more before I began to keep track ) : XX/XX/18, XX/XX/18, XX/XX/18, and XX/XX/18. Each time I have called I have verified my correct address and been told they will research the matter, stop payment on any checks that may have been mailed previously, and send another check. On XX/XX/18 I was told I would receive payment within 10 business days and was told to call back on XX/XX/18 if I had not received payment. I was traveling on that date, so I made sure payment hadnt been received while I was away and called upon returning home on XX/XX/18. On this date I was told there would be a supervisor review performed and I should hear back from them within 3 days. If not, I am to contact them again on XX/XX/18. I am concerned as every time I call I am told a check will be sent promptly and it has now been over 4 months. I have not been told if a check has ever been sent at all or if the matter is still in processing waiting to be sent out. I am hoping to get this matter resolved ASAP. Thank you for your help.
I checked my credit report and was that information, I mailed asking for verification of my debt, since I was disputing with att, they mailed me the bills buy not the contract of how they calculate my debt.i got a second letter state the same without any explanation of my debt, amount I was disputing with the store ( no plan with that company they offer a flat international plan, after I got my last bill I was told no more extra charges will in my account ) Totally unfair this account is in collections.
I financed a vehicle with Exeter Finance in XXXX 2015 alongside a cosigner. I financed it at at 14.7 which was slightly higher than my other vehicle was financed at. A couple months ago I ran into the issue of the cosigner taking off with the car which I know bear some fault on my own part but Exeter has been of no assistance in helping locate the cosigner to notify of lapse of insurance on the car. I also offered to pay the loan off in full if the car could be returned, or I would like to be released from the contract since technically both of these parties breached it. 
Then the other day as I was monitoring my credit I noticed how little had come off the principle. I knew from work that around {$320.00} should come of my principle with the {$410.00} payment. However the amount coming off was around {$190.00}. I was very upset as I read through my paperwork and kept seeing " annual interest rate '' but for some reason being charged a daily interest rate. I paid my other vehicle off and have another one ( since this one was taken ) and I have no issues whatsoever trying to guess what my interest portion of my payment will be. I am very upset and thought Exeter would be like other finance companies I have dealt with who did not hide their charges and understanding of the process.
To whom it may concern, I, XXXX XXXX applied for a modification to Capitol One through my bankruptcy Attorney ( XXXX XXXX ). I was then denied a modification. I was approved a payback plan of {$27000.00} down and {$6000.00} with in one year. I was not able to accomplish this. A Deed In Lo, Or a Short sale. Was then told from Capitol One there was nothing more that I could do to save our home. 
We then went to XXXX a consumer advocacy group. There I applied again for a modification. Was again denied a modification. This time was only offered Deed in Lou, or Short sale. I have contacted Capitol One and Escalated my file on my own. In the escalation department ( XXXX ) I spoke with a lady named XXXX. She tried to help. She gave me a # to XXXX XXXX XXXX XXXX # XXXX. She was also told from her managers there was nothing more that she could do. I called the above XXXX XXXX # and was told if I am in bankruptcy that XXXX XXXX can not help me at all because they are a debt collector. The only thing I could do was work something out with Capitol One. Capitol one has told me there is nothing more that they can do. My monthly salary is {$5700.00} My first mortgage is {$120000.00} my arrears are {$73000.00}. I 'm being told from another consumer advocate that there is a mod that will work. Called an Investor mod. The mod is $ % for 40 years. That Makes our payment Approximately {$1300.00} per month. Or if there is an alternative mod that will work for us. Were not interested in loosing our home. 
Please help us save our home.
I have a judgment with XXXX Colorado that was satisfied. Experian XXXX are still misreporting this as an open judgment.
Kohl 's sent me a bill due on Sunday   XXXX   2017, a non business day. This was my first bill, and I only had a few days before the payment was due - an inadequate time to setup online bill pay. As the bill is due on a Sunday, I was unable to go to the bank to get cash to make a payment in the store. I paid the bill on Monday,   XXXX  2017 and was subsequently charged a {$29.0 0} late fee. This is an unfair business practice!
AES 's automated system does not give you the right amount. I have a recorded on XXXX/XXXX/15 that I notified the supervisor of that and she states they are aware it is incorrect but never said they were going to fix it. I recorded my phone call since I was paying my bill. They do not tell you that the calls may be recorded, I asked someone yesterday if my call was recorded, he said yes but never gave me the disclosure which is required. I want all negative marks removed because the reps also give an amount that is not correct, AES has committed fraud against me. They also tried to force me to get auto debit even though I wrote numerous letters telling them I am not interested. I WILL NEVER DO AUTO DEBIT WITH THIS COMPANY. NCT HAS NOT SUBMITTED PROOF THAT THEY STILL OWN THIS DEBT WHICH IS REQUIREMENT IN ILLINOIS TO COLLECT ON A BILL. AES CLAIMS THEY SENT IT TO ME BUT THEY DID NOT, I WILL KEEP COMPLAINING UNTIL AES IS SHUT DOWN FOR GOOD. I HAVE PAY LOTS OF MONEY TO NCT, THEREFORE I ONLY OWE THEM FOR LOAN # XXXX. NCT HAS NOT MEET THEIR BURDEN OF PROOF, THEY MUST SHOW PROOF THEY OWN MY DEBT AS OF TODAY. NCT SELLS LOAN IN INVESTMENTS, THEREOFRE THEY HAVE NO PROOF WHERE MY LOAN IS. AES IS A LIAR AND ENGAGES IN ILLEGAL BUSINESS PRACTICES. I KNOW WHAT I OWE AND I DO NOT NEED AES TO TELL ME THAT. XXXX XXXX IS STUPID BECAUSE SHE CA N'T READ BECAUSE SHE HAS NEVER FULLY ANSWERED MY COMPLAINTS, ALL OF HER ANSWERS ARE GENERIC. NO ONE FROM AES HAS CALLED ME TO DISCUSS ANYTHING WHICH THEY SHOULD. NCT IS A TRUST NOT A LENDER LIKE AES CLAIMS, I NEVER SIGNED ANY PAPERWORK FOR A LOAN WITH NCT. NCT IS A 3RD PARTY DEBT BUYER AND AES SHOULD NOT TELL PEOPLE THAT NCT IS A LENDER BECAUSE THEY DO NOT LEND MONEY, THEY ONLY PURCHASE STUDENT LOAN DEBT.
CHASE SLATE sends an advertisement to cardholders claiming they can view their XXXX score by going on line. In order to get the score the cardholder must sign-up for an online account and give their Social Security number. No SS number, no signing up. Maybe CHASE should consider sending the score along with their bill, like XXXX does, instead of forcing customers to make it easier for identity theft.