davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

In XXXX XXXX I called Kohl 's to make my monthly payment, decided to pay 2 seperate pymnt in order to pay 1 month in advance.I had no idea when fraud occurred & credit union cancelled my card that Kohls pymnts were not paid. No NSF fees, trying to recover cash, contact all auto-debitors, finding unknown SS #, addresses, employment, credit inquiries, attempts to finance a vehicle and more connected to my credit report ... what i later found to be Kohls recorded messages in my vmail sound like telemarketing, incomplete, started with 2 min white noise, cut off with incomplete info & was unsure who called. They reported me dropping my credit score 42 pts overnight.I was in 1st stages of home equity loan to upgrade my home, this ruined all arrangements for that.I spent hours, days, made over 40 calls to Kohls/XXXX, Corporate promised me a callback in 10 min, after visiting a store manager asking him to please call in order to attempt getting someone to help me, they never called.He was embarrassed for corporate. I tried everything, I explained the fraud, offered credit union statements, proof no NFS fees, you name it and they referred me time and time again to XXXX who referred me back to Kohls. Started on XXXX XXXX and it is XXXX XXXX, no one has ever responded to my calls, emails, requests for help, complaints, nothing but a runaround from a huge chain that never sent a letter about my missed payment, never responded to my many emails or phone calls, but manages to blow up my email daily with duplicate " offers '' in an attempt to entice me to spending more money. They make sure they have the resources for marketing while leaving long time customers hanging in the wind with no answers or assistance of any type. Paying them off income tax time and destroying the card which I have not used in months.Bottom line, Kohls did not make a effort to contact me about the payment via email, phone or mail other than a poor recorded call that lacks required contact information. In the end, I was promised help the never came, a phone call from the gentleman at Corporate that oversees accounts who I was told is unable to accept phone calls in his office.
Consumer complaint received 2017-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: DISCOVER BANK (FL)

I have a credit card with Discover, first opened around XXXX. Sometime around XXXX I was a few days late on a minimum payment one time. Discover hit me with a " penalty APR '' in which they increased my APR to 29 %. That was roughly 10 years ago. To date, I am still paying that same penalty APR of 29 %. I have not been late with them, always made timely payments since, and have excellent credit. I have made numerous attempts to resolve the issue as to why I am still paying a penalty APR 10 years after being late one time. I have made several attempts to work this out with Discover but only receive generic responses. Most recently I sent emails on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, both times was told there is nothing they can do. 

If I understand the FCBA rule correctly, my credit card company can hit me with a penalty APR if I am a few days late, but they ca n't just increase my rate indefinitely. After 6 months of on time payments, if I am correct, they are supposed to readjust my rate to the APR previous to the penalty. That was about 10 years ago, and they never did, therefore I have been over paying interest charges to Discover at 29 % APR for the last 10 years, instead of around the 18 % I previously had. 

What recourse do I have? I want to file a complaint, but I also feel that my APR should have been reduced back down to the pre-penalty APR after 6 months of on time payments, which it never was. This has cost me a lot in unnecessary additional interest charges. Also, I can never pay the balance down because only {$10.00} of my minimum payment goes to the principal when my APR is 29 %.
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc. (TX)

On XX/XX/XXXX, I was approved for auto financing through XXXX XXXX XXXX. On XX/XX/XXXX,  a contract was signed between myself and XXXX XXXX in XXXX Texas and XXXX XXXX XXXX was the financing company. 

On or about XX/XX/XXXX, I was informed by XXXX  XXXX XXXX that XXXX XXXX of XXXX XXXX retracted the contract. When asked why, XXXX stated that my social security number was invalid and he therefore could not sell me the vehicle. 

However, after I requested that he put it in writing, several inquiries appeared on my credit report for auto financing. 
I never agreed nor authorized XXXX XXXX to apply for any credit. I was already approved through XXXX XXXX XXXX and the contract was signed on XX/XX/XXXX. 
A complaint was also filed on XX/XX/XXXX with the Office of Consumer Credit commissioner. 

Please review attached
Consumer complaint received 2017-12-21
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Counsel, Inc. (SC)

I did not realize that it was this company calling me I have been getting phone calls from this company for weeks back to back. I do not answer unknown numbers but today I did because I wanted to know who was blowing up my phone from this number and of course it was Credit Counsel inc.
Consumer complaint received 2017-12-21
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE ()

My XXXX XXXX XXXX mother wanted to send money via Western Union to my daughter and myself for XXXX. 

Western Union charged her {$28.00} in transfer fees. 

She was not informed that Western Union has it 's own " Exchange Rate '' that is well below the going bank exchange rate. Western Union quoted me XXXX = XXXX while XXXX XXXX 's rate is XXXX. From the XXXX XXXX the quote was XXXX. These rates were quoted at the same time of day. 

The point is that my mother was not properly informed that Western Union intended to profit from the exchange rate.

The helpline which I contacted after my mother had sent the money at Western Union admitted that they have their " own rate '' that they intend to profit from.
Consumer complaint received 2017-12-21
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (FL)

I would like to file a formal complaint with Carrington Mortgage Services, as well as XXXX.I have escrow issues with regards to : Forced Hazard Insurance placed on my account/home.

1st complaint : My payment increased substantially from XXXX to XXXX that 's a $ 230 monthly increase ( {$2700.00} annually ). 

2nd complaint : The payment hike is only 1 issue, when I called the insurance company they have no idea of who I am, and the policy number I give them is not with them. 

Carrington tells me I was insured by them ( XXXX ) XXXX and will be covered by them XXXX.. 

Furthermore, after hurricane IRMA I called XXXX to file an insurance claim, an adjuster came by the house - and of course claim denied. But if the adjuster came  out would n't that mean the policy is valid??
Consumer complaint received 2017-12-21
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: NAVY FEDERAL CREDIT UNION (TX)

On XXXX XXXX XXXX, I had fraud committed against my checking account. The security of my bank did not have measures in place to prevent this from happening. Due to this my account was depleted of all funds. The banks security department had to conduct an investigation that took an unprecedented amount of time. I finally was able to recieve all of my money back on XXXX XXXX. Due to this lengthy investigation process I was behind on some of my bills that were auto-draft. Those creditors applied returned check fees totaling {$290.00}. I have tried working through my bank to recoup those fees and have not had any resolution. I claimed these fees on XXXX XXXX and as of today have been informed by my bank that this investigation is still in progress. I have already paid those fees to those creditors. So as of now I have paid {$290.00} in fees due to a poor security department and an unacceptable investigation process.
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MI)

I am a father of XXXX little girls ( not as little as I hoped they would stay : ), I own or run 4 XXXX XXXX and between my XXXX and personal finances have about 20 different accounts to pay each month not including my 30 plus employees, numerous  vendors and services. I am old fashioned when it comes to organization of my bills. Meaning, I rely on statements via USPS. All my accounts are set up to mail me statements or invoices. 

XXXX/ 2015 XXXX reported me 30 days late, I am disputing the 30 day late reporting as inaccurate and requesting it be properly updated. I have had this account for nearly 5 years and always paid timely. I have all my statements mailed to me because this is what I use as my reminder. 
However, somehow when I set up my online account or responded to a citibank email. My account statement option was switched to paperless, i did not knowingly do this. 

I called XXXX earlier this year, they confirmed the paperless option was recently opted into. I had them opt me back out and thought the late payment reporting was being removed, It has not. 
Could you please remove that late payment from my credit reports.
Consumer complaint received 2017-12-22
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NJ)

On XX/XX/XXXX I went to the Capital one branch located by XXXX XXXX New York, to place an international wire transfer to pay for my wedding venue in XXXX the amount was {$2100.00} USD plus a {$40.00} Capital one I was told the receiving bank will charge $ XXXXUSD and the wire should be done in 24 hours I was never advised how much the beneficiary bank will receive in local currency, after 5 days I saw no funds were release from my account unable to get help over the phone I had to go to the branch and after multiple follow up finally on XX/XX/XXXX the funds were released however the money was never paid today is XX/XX/XXXX and the money is still not paid per Capital one the intermediary bank XXXX XXXX needs to find out where is the money and they seem unreachable on XX/XX/XXXX I was told that XXXX was involved and asking if the venue I 'm paying the money is affiliated with another company of similiar name which I already confirmed is not and still no answer where they money is going to be paid or at least refunded back to me, the answer I got when I requested the money to be paid back to me was it will delay the process and I needed to move forward because there was not guarantee I can get my money back.
Consumer complaint received 2017-12-21
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA (CA)

Step 1 : What is this complaint about? 
Back in XXXX I transferred all my credits from XXXX college to XXXX XXXX, graduated in XXXX ; however, the school was shut down and no longer accredited. 

Step 2 : What type of problem are you having? 
I 've been to several job interviews and my degree is not accepted due to the accreditation. I 've been told the that my transcript and degree not accepted or recognized. I lost my job on XXXX XXXX, currently back in school pursuing another degree at a junior college. 

Step 3 : What happened? 
The Board of Education did not recognize XXXX-XXXX XXXX ; therefore, the grades/transcripts are not transferable and degree not recognized. 

Step 4 : What company is this complaint about? 
XXXX-XXXX XXXX, CA Step 5 : Who are the people involved? 
I currently owe money to XXXX ( Private Loan ) Total {$14000.00} and XXXX ( Department of Education ) Total {$39000.00}. My original loan was {$77.00} XXXX.
Consumer complaint received 2017-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

This is my complaint on XXXX/XXXX/XXXX I made a debit card purchase of XXXX with a XXXX and the transaction was denied, and I received a notice from Bank of America to login to my Bank of America Phone App, and verify I was aware of these purchases, I logged into app and followed all the steps for lifting the restriction, and received a message from the App, the restriction was removed and that transaction had been cancel, and now I could make the transaction again ; Assuming I was free to resume using my my card, I made a 2nd transaction for the same amount of XXXX and then noticed, I now had email from Bank of America prompting me to contact them, to review the transactions, i contacted the number in the email and was advised once again after verfying, I made the transactions I could reuse my card with no mention and any wait times, I asked the rep if the second transaction would be okay, he assured me all restrictions had been lifted from my card and the payment transactions showed as processing, along with a debit of XXXX and a credit of XXXX all on XXXX/XXXX/XXXX ; today on XXXX/XXXX/XXXX when i logged into my account I noticed the transaction did not post. The explanations I received from various reps was typical jargon of policies and very poor customer service, and the transaction was cancelled because it was seen as duplicate transaction and finally when I spoke with the Fraud team it was explained that you have to wait 20 minutes before making another card transaction. My complaint is this was n't explained in Bank 's App and nor did the customer service representative provide this info as well, the 2nd transaction should not have been cancelled and I should not have to contact Merchants and explained to them Bank of America errors, I 've attached an screenshot of some of the alerts I received.
Consumer complaint received 2017-12-22
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: Integrity Funding Ohio, LLC (TX)

I spoke with XXXX 's in XX/XX/XXXX about me losing my job and needed to have a cheaper company refinance my loan. But do to XXXX 's not keeping car titles locally keeps other companies from being able to buy out my loan at a cheaper rate. I did not realize XXXX charges almost 50 % more than other title companies. Although XXXX agreed for me only to finish paying {$1200.00}, the whole point was that i am unemployed and have no income. i have struggled and able to pay {$800.00} of that but i am unable to come up with the last {$400.00}. i am a single mother of XXXX kids and this being our only form of transportation, i should not have to lose my car over {$400.00} when in reality i have paid back what i originally borrowed to begin with plus interest. my original loan was {$1500.00} and ive paid {$1800.00}. so they have made money off me. I lose our car i have no transportation for me and my children
Consumer complaint received 2017-12-22
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

To whom this may concern I, XXXX XXXX XXXX filed with identity theft in the year XXXX between XXXX - XXXX, I also filed a police report during that time when my identity was stolen, When This situation was noticed I imeaditly notified my bank, the bank asked me to take a police department statement for all the fraud that was shown on my bank account monthly statements, they froze my checking account, the investigation lasted for almost 2 months I was really frustrated and scared also to top it off I never gone through this bad situations before and I hope to never go threw this XXXX again, I just want my life back and my life to be peaceful and no harm and my credit to be normal and build my life back to perfect. I dont want to go through life with a bad horrible XXXX credit score and be in debt all mylife
Consumer complaint received 2017-12-22
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO. (GA)

On XXXX/XXXX/XXXX I reserved a car through XXXX for $ XXXX for XXXX/XXXX/XXXX through XXXX/XXXX/XXXX for total amount {$870.00} with my debit card. It was clearly stated that if a vehicle was reserved without a credit card, a {$500.00} deposit would be charged and a full refund upon return of the car upon inspection. I only agreed to this term as I do not have any credit cards, with full expectation that my {$500.00} would be credited back to my checking account. I even inquired at the National rental location prior to receiving the vehicle, and I was assured of this and that the process would be 24-72 hours depending on my bank. I once again inquired of the policy upon return of the vehicle, and was again informed that was standard policy. The monies were never refunded into my account and called XXXX XXXX/XXXX/XXXX and the representative stated that it may take up to 5 to 10 days and was instructed to follow back then. I made another attempt to speak with XXXX and the representative stated that there was no policy that she was aware of and that the full amount of {$1400.00} at $ XXXX is what was agreed upon. I informed the representative that I could supply proof of a screen shot in the amount that I reserved the car for. The representative then agreed to do a three-way call with XXXX to further investigate my claims. I have case numbers for all the complaints to research this matter, with no resolution. This is fraudulent, and to add insult to injury, XXXX had a pending additional unauthorized charge of {$69.00} that I disputed and they could not account for. I had to contact my bank and the amount was refunded through my bank after being inconvienced and had to be reissued another debit card.
Consumer complaint received 2017-12-23
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: CITIBANK, N.A. (NV)

On XX/XX/17 my sister & I each applied for an individual Best Buy Visa card, sharing the same last name & address only,  but different social security numbers. While she filed a claim with this bureau to received a written decision, I however have not received one, fueling confirmation that she was wrongly accused of having submitted duplicate applications. The enclosed list of my XXXX credit report inquiries page confirms my inquiry of matching application date, same as my sisters. However I have not received my decision letter, a violation of both the Fair Credit Reporting Act, & the Consumer Financial Protection Bureau.
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

I had a revolving ( last four of the account number was XXXX ) and checking account with Bank of America back in XXXX. In XX/XX/XXXX I noticed drafts from my checking account in the amount of {$650.00} being taken for the past 10 months. I contacted Bank of America for further information and was informed that they were for a Life Insurance policy. I never gave authorization for such policy. I requested a copy of the  authorization and they indicated they did not have it. I demanded a refunded and they refused. They drafted {$6500.00} from my checking account total without authorization and then refused to refund their mistake. I had always kept on top of my financial obligations but was furious when they basically told me they could do what they wanted and that there was nothing I could do. At that point I closed the credit card and felt they had already taken the money that was owed to that card. I even told them that they by law owe me a refund because I never at any point gave authorization for any life insurance policy, they can take the money they owed me and pay off the credit card. That 's money I would have used to pay the balance had they not taken it!. They refused and I even had my attorney offer an additional {$1200.00} to release any and all claims BOA or it 's successors may have against me, which would have total more than what the balance was. That would have been {$6500.00} ( they owed me ) plus the {$1200.00}, giving them {$7700.00} to resolve the issue and remove it off my credit report. Just because they are a huge bank they should n't be able to get away with stealing and that is exactly what I feel this is. I have been fighting this issue since XXXX. If there is anything you can do to help me I would truly appreciate it.
Consumer complaint received 2017-12-22
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK (TN)

I accepted a 0 % balance transfer offer with discover, what they fail to mention is by accepting a balance transfer you LOSE your grace period on any and all purchases, even if you pay them off before the statement even cuts. There was a month I was charged {$2.00} interest and there were XXXX dollars in charges to the account that month. The months prior there were payments within the statement to cover any purchases
Consumer complaint received 2017-12-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc. (FL)

I currently have an open automobile account with Santander consumer USA and I disputed the dates that were not showing as they havent reported the account current to the month of XXXX it was only showing since XXXX now XXXX removed the account from my XXXX report although my account is current and still going also on my XXXX XXXX report they increased my amount by {$260.00}  with no reason after I called Santander it shows that is incorrect! I want XXXX to put the account back on file as it was and XXXX XXXX to correct the amount owed to Santander consumer USA immediately.