davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-11
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

Advertised - 7 Years No Interest to open and current Furniture Row Express Money Card issued by Capital One. When I made my purchase I was only offered 5 years No Interest. We went to Furniture Row at XXXX XXXX XXXX. XXXX TX on XXXX and met with XXXX to purchase a Tempurpidic bed and foundation for {$4600.00} for the advertised 7 years no interest. The advertisement said " Offer available on approved singles or combined store purchases totaling {$3900.00} or more of qualifying merchandise made between XXXX/XXXX/15 and XXXX/XXXX/15 on an open and current Furniture Row Express Money card issued by Capital One , N.A . '' I have an open Furniture Row Express Money Card with an available credit of {$4700.00}. When I went to purchase I was told that they would only give me 5 years no interest. XXXX called Capital One on XXXX and said that my credit account is not in the correct tier to get 7 years and they could only offer 5 years. I called Capital One on XXXX and they said that this is Furniture Rows decision to offer 7 years not Capital One 's and I need to take it up with the store manager as they do not make the promotions. I filled out the paper work on XXXX with XXXX at Furniture Row to make the purchase by calling back in on the phone the next day after a discussed this with Capital One. I went ahead and made the purchase over the phone and received the 5 years XXXX interest. I have filed a XXXX complaint against Furniture Row. The complaint went unresolved and Furniture Row said that this is an issue with Capital One. I have called Capital One again and asked for something in writing to explain how I have a credit card that is in a different tier and can be denied the 7 years but given 5 years no interest. They said that they do not have anything in writing and offered to send me a credit card agreement. I have received the credit card agreement and there is nothing in it that states that I can be denied an advertised 7 year no interest and given a lower tier of 5 years no interest. This is false advertising that lead me into the store to make a purchase for 7 years no interest and then have it not offered to me even though I already had the approved credit card and credit limit to make the purchase.
Consumer complaint received 2016-03-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIFTH THIRD FINANCIAL CORPORATION (FL)

In XXXX 2015, I received a Promotion paper from FIFTH THIRD BANK : basically the promotion was to receive {$200.00} if I open a checking account and set up a direct deposit for more than {$100.00}. I visited one of their offices in XXXX XXXX, FL and I did exactly what they told me to do in order to receive the {$200.00} bonus. I 've been waiting for 90 days ( time they told I have to wait ). I just received yesterday an email from XXXX XXXX ( the office manager ) saying : " After completing my research it shows that the type of account that you opened does not qualify for the bonus ... '' I feel disappointed because I trust them but my feeling are that this is just another false advertising to get people work with the bank without paying any bonuses.
Consumer complaint received 2015-07-18
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (CO)

Hello, these credit cards debts i owed are over 7 years ago, when i was young n stupid make mistake to let my friend borrowed. If an collection debts is over 7 years, it should n't exist on your credit report any more right?
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

XXXX is listed on my credit report as a collections account. The account needs to be deleted from my credit report immediately. XXXX is flagrantly listing wrong information on my credit report that does not include any payments made, nor the correct balance, nor any dates of payments. The information that is listed by XXXX on my Credit report is wrong. The accounts need to be deleted from my credit report as they contain wrong information in flagrant violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-11-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (CO)

Bank is drafting intentionally drafting ACH charges in order of highest dollar amount first so they can collect more overdraft fees. This caused my account to accumulate XXXX additional fees than if they had paid the items smallest to largest first. The reasoning the representatives give over the phone is " we consider the higher dollar items more important in pay order than lower dollar items '' meaning that if they were going to reject payment of an Item they would rather reject payment of the smaller items than the big item. Of course this makes no sense because even after paying the largest item first they still pay the smaller items and still collect extra fees and nothing ever gets rejected on my account because they know with my direct deposit that money coming in is a sure thing. When I asked them to reverse the XXXX unnecessary fees I was told I had already received XXXX complimentary fee reversals for the year so they could not refund the fees. After asking to be escalated twice to a higher person I was told the next person would have to call me back in about two hours. That was approximately 2 days ago and still no call back. So now in addition to not fixing their wrong in the first place they are not calling me back as I was promised. This ACH payment order seems to me an obvious and blatant way to collect more fees from consumers already struggling.
Consumer complaint received 2015-11-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

Bank of America gave me a PREDATORY interest only loan of about {$59000.00} ( ten ) 10 years ago. During the past 10 years I paid approximately {$160.00} a month in interest only or a total of {$19000.00} in interest only as the loan was not amortizing. In other words I paid Bank of America an effective rate of 34 % interest and I still owe Bank of America the entire PrincipalDespite the draconian conditions that Bank of America imposed I am current on my loan ( number XXXX XXXX XXXX ) and I never defaulted over the past 10 years. During this ten year I applied 7 times to Bank of America for a modification and a lower payment of about {$68.00} a month and each time my application was callously denied.even though my income is very low. But I continued to cut back on my medications so that I can afford to pay Bank of America and to date I am current on my loanTo add injury to insult Instead of lowering the payment to {$68.00} a month as I was requesting Bank of America has suddenly increased my payment to {$500.00} a month. Bank of America did not have the common decency to notify me by ( 1. ) return receipt or ( 2. ) certified mail or ( 3. ) registered mail.that they were about to abuse me. How could a Bank just unilaterally change the loan terms on a client without notifying him? 

In fact Bank of America just increased my monthly payment by 300 % from {$160.00} to {$500.00} a month without even notifying me. When I went and complained at the Bank of America branch on XXXX XXXX in XXXX XXXX the officer told me I signed to it 10 years ago.. The officer just said that Bank of America is within its legal rights and there is nothing I can do about it. 

This is a predatory loan and I can not afford to pay {$500.00} a month.I need help to lower the payment to about a {$60.00} a month. I am current on my loan and I never defaulted and I intend to repay the loan in full and would be most grateful for your urgent help Bank Of America IS FORCING ME TO DEFAULT even though I faithfully met my financial obligations to Bank Of America over the past ten years.
Consumer complaint received 2015-11-12
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: AMERICAN EXPRESS COMPANY (VA)

I loaded money to my account and the funds never appeared. 

The money was withdrawn from my American Express prepaid credit card, but never credited to my account. 

I 've opened XXXX disputes with XXXX, but they are not responding. It has been over 90 days and I 've called numerous times. 

I have all documentation. It shows the load on XXXX, and the corresponding copy of my statement, which shows that the load did not take place.
Consumer complaint received 2015-12-28
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (TX)

As a XXXX customer, my personal information was involved in a data breach at Experian. As a result of said breach, Experian offered a lifetime of credit monitoring through it 's subsidiary, XXXX. I signed up for this offer for my personal data being breached in XXXX 2015. I was given the following Experian XXXX Number : Experian 's XXXX Customer Number : XXXX Upon opening the account, I was given access to my Experian credit report and alleged activation of monitoring services was required for me to set up. 

XXXX XXXX, 2015 I signed into my XXXX account and was surprised to see that the credit report I pulled in XXXX was deleted, showing in my account as " No credit report available '' although I pulled it in XXXX 2015 and in my archived credit reports section it shows " no credit reports archived '' although I had XXXX pulled in XXXX 2015. 

Experian left a customer service phone number of XXXX, but it only lead to pre recorded messages. I then noted that another number flash XXXX XXXX XXXX which disappeared. I called that number and reached a Experian person that stated they delete the credit reports from pulls and archives after 30 days and I can buy a new XXXX for {$9.00} from them. 
I was shocked to hear this as I am entitled to my previously pulled credit report. She ( XXXX customer representative ) stated I was not and I requested a supervisor. 
The supervisor said they delete all reports after 30 days although there is a archived section on my account. It appears this not available to consumers effected by the Experian/ XXXX breach and they are trying to upsell me furthering effecting me due to this breach. I asked the supervisor how I can get my previous XXXX report and I was told that I could go to free annual credit report or buy a report from them. 
I stated they were breaking several of the FCRA laws and I was hung up on.
Consumer complaint received 2016-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CCS Financial Services, Inc. (NV)

have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
Consumer complaint received 2015-07-19
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: PORTFOLIO RECOVERY ASSOCIATES INC (NC)

This company calls multiple times a day despite requests that they remove our number from their database. They do not provide information on the debt that they are attempting to collect. I know of no debts owed by me and am inclined to think that these computer generated calls are merely fishing expeditions seeking a similarly named person. They have not responded to requests to communicate via mail nor provided any evidence of a debt owed by me.
Consumer complaint received 2015-11-12
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Patrick K Willis Company Inc (CA)

I am being harassed by a 3rd party company named XXXX about my charged off car loan with XXXX XXXX XXXX. The people calling me from this company are calling themselves investigators. They have called my mom dad brother grandparents and friends all on the same day as calling me. They leave my family members voicemails, that say they are investigating me and need a call back. My family thinks that I have the police department looking for me. Today i spoke with Investigator XXXX XXXX, I did not provide her with any of my information and she disclosed my date of birth, the vehicle information from the loan and was very intimidating and harassing. I asked her to cease and decist and she said no. I asked her to stop calling my number and she said no. I gave her my phone number and said please dont call me i feel harassed and she said I am not harassing you and was very threatening to me about not giving her my information. I said stop calling and hung up. She called me right back again, I again said please dont call and I feel harassed and she said no. I finally got a manager on the phone. he said yes they are regulated by FDCPA but that they will not stop calling. He said I didnt give him my information so he doesnt have an account to document to stop calling. I told him that XXXX who just transfered me to him had my account as she had disclosed all of my personal information to me and he said he didnt know what i was talking about. I gave him my number and asked him not to call and he said he cant do that. I called this company back thinking i was calling a police department because i was under investigation for some reason. I am in the middle of settlement discussions with the original creditor XXXX, and I cant try to come up with money from family and friends to settle this loan, if they think the police are coming after me for something with them calling everyone telling people I am under investigation. Giving family and friends my account number to call back with. Anyone who called back with that account number would have been given my social, my date of birth, my loan information. Is this company miss using my personal information. Do i now have to worry about identity theft? I have major concerns and I am afraid this company will actually come to my home to talk to me in person, or threaten me. XXXX has also text messaged me and my family and friends all at the same time about this. Giving an account number out to everyone for this. My family asking me if everything was ok. I can not continue to be harassed about this.
Consumer complaint received 2015-07-20
Product: Credit card — 
Issue: Transaction issue — 
Company: TD BANK US HOLDING COMPANY (NY)

On XXXX XXXX I made a purchase at the XXXX store located at XXXX XXXX XXXX, XXXX NY XXXX. There was an overcharge and the clerk canceled the initial transaction by issuing me a refund to my Visa card and ringing up the sale at the lower price. Today, XX/XX/XXXX, I noticed that TD Bank was holding fund for both charges but did not show the refund. When I called TD Bank and spoke with XXXX she said they could not do anything about this. I have an automatic debit coming through and holding both funds will leave my available balance short when the automatic charge comes through on Monday. TD Bank would not correct the error. All XXXX receipts that I have show authorization numbers which means the bank was contacted about the credit for the first charge.
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Hillcrest Davidson & Associates (TN)

I was contacted by XXXX XXXX from Hillcrest, Davidson, & Associates from ph.XXXX. He asked if I knew XXXX XXXX ( my Mother ). I told him, yes she is my Mother. He stated I need to get in touch with her about a debt owed by her and XXXX XXXX XXXX. I told him that I was n't in my office right now and asked if he could call me back with his number and I would give it to her and tell her he called. I do not give out people 's number over the phone. XXXX called me back and gave me his office number and his cell to give to my Mother. I called my Mother when I got off work and advised her of this company and to call XXXX back. Apparently my Mother did not call back and I have received at least 10 calls since this time and I have been told that they will not stop until I give them my Mother 's phone number. I told them I am not the person you are trying to contact. Please stop calling me on many of occasions and they have said no. They will continue to call me until I give them what they want. XXXX has stated if I do n't give them what he wants, he will pass my number out to every agent he has and they will all continue to call me. I have written down every call and a brief narrative on each call. I just want this to stop. Apparently they do n't understand this is not my issue. Today I was told we will go to the next level. Sounds like a threat to me. I can get my cell phone records if needed.
Consumer complaint received 2015-11-12
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NC)

On XXXX I called USAA Savings BankWhere I have a checking account to inquire about my account and why it was overdrawn. With no help or resolution on XXXX diffrent times I asked to speak with a supervisor finally I did. He was rude and I had to ask what his position with the bank because when the call was transfered. He just said hello how can I help you. I asked could he help gi over my transactions. He said you should know didnt you swipe your debit card. I told him was XXXX the mosr unprofessional people I had ever spoke with. He kept mocking me and would say he doesnt understand my question and he doesnt know how to help. I ended the call. About XXXX hrs later I went to go login to my account I was locked out so I called the number it instructed me to. 
The representive asked did I forget my pin zi said no. So she reset it. Then I asked who locked me out of my account online she said she didnt know and she would transfer me to the main customer service line. I did speak with a knowledgeable rep we went over all my transactions and posting dates. Just like a senior rep was aware I get paid weekly. I was informed my account had been reviewed for fraud but then it was competed. And she said someone put my account in a credit only ststus. She said when I get paid it should clear. She said my account was fine. On XXXX I logged into my account to see a pending/hold on my current balance. So I called in and was told my account is going to be closed and no explanation to why. So I explained to the rep I get paid every week. She said well I will get a check in 10 dsys when my deposit comes in. I explained to her I have XXXX small children. I hadnt done anything wrong is to why I cant access my money when I get paid. I asked to speak to a Supervisor he was polite but still of no help. He said my account was under review and until it is complete I have to wait. I asked why I never had any disputes or reported fraud. I get a simple pay direct deposited in my account each week. 
Its now Thursday and Im not allowed to simply withdraw XXXX the deposit amount was XXXX but USAA took the XXXX but still refuses to give me my money.
Consumer complaint received 2015-06-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo is more than doubling my mortgage payments on a rental property than I have been paying them for XXXX years on time every month. They found out what I 'm charging for rent, so they are trying to make my payment the same as the rent. They told me they do n't care if I am not making any positive on the rental. Why would I keep a property with no monthly income?
Consumer complaint received 2015-11-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (NV)

I have contacted Experian several times trying to get a copy of my credit report. I also sent in several dispute letters too. But I have not heard nothing back from them. I do n't know why they are not responding but I 'm pretty sure that it is the law that they have to send me my report once every year and also respond to me when I dispute something on my credit report. I tried calling them but I can not speak with anyone without a credit report and since I ca n't get my credit report I ca n't get anything done.
Consumer complaint received 2015-06-30
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY (PA)

My name is XXXX XXXX my ss # XXXX I been with American Express over a year I have XXXX accounts with them XXXX personal and XXXX business I open XXXX account for XXXX of my head employees in California he used the card this was a new business and card was for that business i use my card off and on, the XXXX time my employee use for XXXX in tell i got out too California American Express for all my cards never missed a payment always paid before time they asked for proof of income I told them I was a victim of identity theft so the IRS Could n't no information I did everything they ask me to, they want my XXXX for XX/XX/XXXX and XX/XX/XXXX so I called the IRS To get A copy the IRS ask me show my copys to the IRS, told XXXX what was going on I told them I will fax over my copys, and they told me no that they want the originals on open from the IRS which would then mail to me from XXXX XXXX XXXX on XXXX has the right to opening my mail, so they cancelled all my credit cards hurting my credit making remarks that I was a resk to pay them back, when I show my bank statement how much I have in my accounts, when I applied for my credit cards I fit every requirement this is all over XXXX employee spending {$1900.00} stating that he used 95 % I love my credit when she used it XXXX time until I got in California XXXX and they spend it right away which was paid back in full before time, I feel that their prejudice because XXXX my XXXX accounts has nothing to do with my personal accounts, now they 're putting my credit history in jeopardy, when there are people out there as do n't pay their credit cards, and they have someone like me that page before time never missed a payment never been late always paid more than what was do I need your help just trying this out thank you very much XXXX XXXX