davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: APR or interest rate — 
Company: FIRST NATIONAL BANK OF OMAHA (NJ)

I took an offer for a balance transfer promotion from First National Bank of Omaha ( First Bankcard ) in or around XXXX XXXX. The promotion was for a lifetime 5.99 % APR. Then in XXXX of XXXX, I made a purchase for {$3100.00}. Since then my minimum payment every month has gone to reducing the balance of the lower APR promotion while the bank has continued to charge my the higher 15.25 % on the purchase from this year. I was under the impression from the XXXX Act that my payment would go to the higher interest charge and would allow me to continue to take advantage of the promotional rate on the balance transfer. Upon calling I was informed this was incorrect. That they can apply the payment as they see fit, first to interest and fees, then to the lower APR. If this is true, it certainly is not in the spirit of the XXXX Act and was not disclosed to me at anytime. I would not have used this card again until I had taken full advantage of the lower APR promotion. Now in effect I am not getting that promotion because my payments are being applied to the lower APR balance first. I take the bank at their word that this is legal, but it is definitely not consumer friendly. This was not disclosed in any way, in effect voids the offer that I accepted from the bank on that balance transfer, and actually increases my interest payment each month. As the lower APR balance is paid first, the remaining balance accrues interest at the much higher rate.
Consumer complaint received 2016-05-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (CA)

I had a PayPal account. It was linked to a Bill-Me-Later credit account. I eventually was unable to pay the Bill-Me-Later balance, so the account went into collections. I paid a small settlement and the remainder was reported to the IRS as a forgiveness of debt. This was a couple of years ago. Now I have decided to close my PayPal account and they are refusing to close it because of the charge-off they have recorded with Bill-Me-Later. I do n't care if they keep a record of the Bill-Me-Later account, but I want my PayPal account closed completely. They have said they can block all access to the account, but that they can not close it. I 'm sorry, but that 's unacceptable. I want nothing to do with PayPal. Again, I understand they need to keep the record of the settlement with PayPal Credit, but these are XXXX separate entities, one providing online financial transactions and the other providing credit services. They should be able to be unlinked for the purposes of closing a PayPal account. 
I have been trying for over a month just to close my account. I have spoken with numerous people in PayPal and PayPal Credit over this time, spending hours on hold, hours explaining repeatedly what the problem is, speaking with supervisors and so-called executive escalation representatives, lied to that someone would call back, and getting stonewalled every time. Once a representative even flat-out lied to me and said he had successfully closed my account, which was n't true.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

I was married and in a abusive relationship. On XXXX, XXXX of XXXX I was called in court and had my divorce granted getting my divorce degree. I then had to travel out XXXX 2 days later and left my wallet at home. Later on I found out that my ex-husband which was still in the house and had been asked and given some time to move out friendly since our divorce was consensual from both parts. He stole my debit card from my wallet and made deposits and withdraws without my permission or knowledge. Since I was out XXXX and sick XXXX I was not looking at my bank account often. I contacted the bank as soon as I was able to, less than 60 days of the happening. I was back in the XXXX XXXX, XXXX still debilitated due to the XXXX. I put a fraud alert on XXXX, XXXX of XXXX. At this occasion the fraud Claim department issued me a new debit card to prevent additional fraud and so my pin number was changed. I am a chase customer since XXXX/XXXX/XXXX, being the account solely mine. I think the bank institution not properly handling my case. since for The transactions I disputed was not authorized by me at all and they are not properly handled up to this point. When I was still married with this abusive person I did help depositing his checks on my account ; however, when we got divorced I was clear to him not to use or get anything that belonged to me at all. XXXX XXXX opened an account with XXXX 's XXXX and He had no need to get into my bank account to make any deposits or even withdraws. I was divorced at the occasion my ATM card was used. It was an abusive person taking advantage and not acting in a good faith. The bank has not given me clear answers on why the fact I was not longer married being overlooked. Even after several phone calls to the bank they still have not removed his deposit from my account neither gave me a solution for the withdraws right after in my account.
Consumer complaint received 2016-12-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Ad Astra Recovery Services Inc (AK)

AD ASTRA REC ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you AD ASTRA REC or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : AD ASTRA REC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX
Consumer complaint received 2016-05-11
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc. (GA)

Experian disregards without conscience disputes initiated by its consumers under FCRA. After submitting additional documentation regarding public records several employees specifically " XXXX '' and " XXXX '' under XXXX XXXX negligently handled my dispute. I sent documented proof in support of my claim over a month prior and XXXX specifically stated the information is still located in the mailroom. Furthermore, Sup. XXXX allegedly went to retrieve said documents in a followup phone call only to dismiss the relevance by a reckless " Experian Policy ''. That is, ignore your claim and tell you anything whether you believe it or not. Well, I believe we need to have a sitdown at a proper venue.
Consumer complaint received 2016-09-04
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAVALRY INVESTMENTS, LLC (WA)

Cavarly Portfolio Services sued me whereI did not live or sign for the debt after they bought it from a bad debt list the original creditor wrote the debt off and the first collection agency XXXX wrote it off in bankruptcy. I became aware of this when I served both the default judgement and the notice of hearing at the same time in XX/XX/XXXX. I made my last payment on the car in XX/XX/XXXX. I did n't know I could sue at this time and so I did nothing. Since they have had the default judgment they have violated my FDCPA an additional three times. They seized all of my mothers social security funds from her bank account around {$900.00} in order to get it back she had to pay around {$150.00} to get an attorney to fix it. Cavarly claimed because my name was listed as payable upon death that they thought the account was mine even though the XXXX XXXX XXXX advised them otherwise. Then later on I had a account at XXXX XXXX XXXX one day it was just negative {$50.00} because they had seized all of my direct deposit paycheck from the day before and the bank charged me for the transaction. Still unaware of my options without talking to an attorney I believed it was over with in XX/XX/XXXX when the scarlet letter I wore on my public records for my credit report listed with case number XXXX default civil judgement for {$7000.00} fell off my report. No they were not done I sent them a letter regarding my rights under FDCPA and that they had violated several times. The statue of limitations had come and gone XXXX times. I advised them not to contact me or I would be sueing them for all of the violations. I received a generic letter from a new attorney in XX/XX/XXXX letting me know that they were taking over the collection of my debt from Cavarly. I am in the process of selling my home and the title is clouded something I was never served papers on even though all of the legal filings thus far had been in XXXX County where I had resided once temporarily for six months. I lived in XXXX County for two years when they say I was sewer served about lawsuit in XXXX County. However they filed the lein on my home in XXXX County of course not even that could be done without adding and inflating the amount of the judgement by {$7500.00} in interest they are claiming on a {$7000.00} debt that they were never intitled to collect on in the first place.
Consumer complaint received 2016-09-06
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (FL)

The following credit inquiries appeared on my Experian credit report that are the result of fraud/identity theft. I 'm seeking assistance in the immediate removal of these inquiries from my Experian credit report : XXXX made on XXXX/XXXX/16 ; XXXX XXXX XXXX XXXX XXXX XXXX, SD made on XXXX/XXXX/16 ; XXXX XXXX XXXX XXXX XXXX XXXX, SD made on XXXX/XXXX/16. In addition, I have a fraud alert filed on XXXX/XXXX/16 with XXXX alone with a police report completed on XXXX/XXXX/16. I 've even completed a formal investigation request with the FTC as my identity has been stolen and my personal information has been sold to potentially multiple people. Your assistance in getting these inquiries removed from my Experian Credit Report is appreciated.
Consumer complaint received 2016-09-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

On XXXX XXXX, 2016, I opened a Citigold checking account with a promotion code I had received, namely, promotion XXXX. The promotion promised an award of XXXX Citi ThankYou Points upon completion of at least one qualifying bill payment to the new checking account each month for two consecutive calendar months, with all requirements to be completed within sixty ( 60 ) days of account opening. A copy of the terms and conditions of the promotion is attached. 

After completing the requirements, I messaged Citibank on XXXX XXXX, 2016 via their online secure messaging system to confirm that I was enrolled in the promotion and had met the requirements. On XXXX XXXX, 2016, Citibank confirmed that the requirements had been met and that I should receive XXXX ThankYou Points by XX/XX/2016. A copy of this communication from Citibank ( reference XXXX XXXX confirming enrollment in the promotion and completion of the requirements is attached. 

As of the date of this complaint, the ThankYou Points have still not been deposited to my account, despite them having been promised by XX/XX/2016. I note that the terms and condition of the offer state that " The bonus ThankYou Points will be credited to your existing ThankYou Member Account within 90 calendar days from the date when you completed all offer requirements. '' Therefore, technically, under the terms and conditions of the promotion, the miles should have been awarded by XXXX XXXX, 2016, which is ninety ( 90 ) calendar days from the date on which Citi confirmed the requirements were completed ( XXXX XXXX, 2016 ).
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (WA)

I am attempting to refinance my loan that was just recently transferred to a new servicer. Under federal law any payment made during the first 60 days from the effective date of transfer must not be treated as late. My loan was transferred on XXXX XXXX and I did not receive new payment information for my new service until XX/XX/XXXX, therefor my XX/XX/XXXX and XX/XX/XXXX payment were made together. Considering I am attempting to refinance my mortgage my " mortgage verification '' statement from my most recent servicer is showing a delinquent payment and has told me they will not remove with from their report. Again, under federal law all payment during the first 60 days should not be treated as late and this is having a negative effect on my ability to refinance my mortgage.
Consumer complaint received 2016-12-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I paid off {$10000.00} toward my student loan 7 years ago and initial company, XXXX did not apply the funds to my loan. When the initial loan company, XXXX sold the loan to Navient, they had an incorrect loan amount. I have been in negotiations for over a year in between Navient and the previous company to get payment history to provide the {$10000.00} payment but since i closed my bank account more than 7 years ago, my bank does not have any documents left to provide me. While in negotiations, Navient advised me not to make any payments till we find out exactly what has taken place. Now, after a year later, they are telling me the initial company who they purchased the debt from is not providing paperwork. When I contacted XXXX, they do not want to release any of my information to me and i was told it was an internal mistake and that they will not provide any documents. XXXX said they can only provide the documents to Navient. Navient is telling me they do not have any direct way to get the documents to help us. While Navient is telling me not to make payments while in negotiations, they are reporting numerous late payments against my credit and completely ruining my ability to get any type of financing.
Consumer complaint received 2016-07-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Kansas Counselors, Inc. (MO)

I need help, I have disputed a medical charge without receiving full validation and this company is now threatening me. They call during working hours etc. All I need is actual validation of this to review. Why is it so hard to obtain? Why does a collection firm need to be rude and threaten a person to pay?
Consumer complaint received 2016-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

My loan was transfers to BSI for XXXX XXXX. I have made several calls and even submitted a registered letter requesting that my mortgage loan be review for accuracy. I also requested payment arrangements. This started in XXXX 2016. When I called I was usually transferred to XXXX XXXX - the loss mitigation officer for my mortgage. I left several messages and sent several emails. No response. When I was finally able to get XXXX XXXX on the phone, he was less than helpful, as a matter of fact he hung up the phone on me. I requested to speak with his supervisor - he told me " no '' several times. When I advised that the payment arrangement that he suggested would still make it difficult to meet my XXXX XXXX payment on time, he did not seem to have anything " helpful '' to offer. He advised me " that it was not his job ''. 
After XXXX XXXX hung up the phone on me, I called back and found out the name of the supervisor, XXXX XXXX. I was advised that she would call me back after she finished her call. I am still waiting for that call. 
I sent an email to XXXX XXXX that included the previous communications to BSI and XXXX XXXX. I also forwarded the written communication to their customer care and XXXX XXXX, Executive Vice President, Chief Servicing Officer. I am awaiting a response. 
I am at risk of loosing my home. Immediat
Consumer complaint received 2016-09-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (UT)

XX/XX/XXXX, I entered into a legal settlement with XXXX University in which my XXXX loans would be paid in full of {$29.00}, XXXX. This would close out all graduate loans from XXXX University and leave ONLY a balance of around {$29000.00} from the University XXXX XXXX for XXXX loans. XXXX University did in fact issue a check with instructions by XXXX CFO XXXX XXXX and it was received by the DOE on or about XXXX XXXX, XXXX. I then called NelNet and asked if XXXX was paid in pull, to which the representative confirmed it had been. I then asked for options on repayment of the XXXX loans only since I was not employed. The representative said my only option was to defer payment until XXXX XXXX by assessing additional interest from XX/XX/XXXX to XX/XX/XXXX. I reluctantly agreed. I then took out a vehicle loan about a month later to which I was informed I had student debt which was affecting my credit and interest rates. I thought at the time they were referring to the XXXX smaller balance. Now, a year later, I went to apply for my first home loan and was told I wil still over {$60000.00} in debt with student loans. I am not able to qualify for any type of home loans or any lines of credit due to this error. Upon investigation, it has been determined that I was never placed on a payment plan, that Nelnet assessed interest fraudulently, and then took the {$30000.00} from XXXX and has only been making the minimum payments on the interest. I spoke with XXXX, a " manager '' from Nelnet and he said that my only options were to pay the interest balance ( which still puts me in debt around {$60000.00} ) or reverse the payment which will put all my XXXX loans into default and collections. I have proof that both Nelnet and XXXX have confirmed they are equally at fault, and that I am XXXX % blameless for these damages. I have now lost any chance of purchasing a home for the foreseeable future until this matter is resolved, and have paid thousands of dollars in additional interest in student loans, vehicle loans, and other loans that should never have been paid. Further, the emotional trauma I have suffered as a result of this far exceeds the financial damages. I have evidence of all the above stated. I have been in constant contact with XXXX XXXX, the CFO of XXXX, who has been in touch with " XXXX '' from Nelnet. I feel that Nelnet is doing everything in its power to MINIMIZE the damage and not take responsibility for the extensive financial damage and emotional trauma I have suffered as a result of this clear cut case of negligence and fraud. There are several documents ( over XXXX ) that are in possession by myself, Nelet and XXXX. I will provide should it become necessary.
Consumer complaint received 2016-07-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

1. Ditech, Financial has repeatedly charged fees that are unexplained fees without adequate explanation. They refuse to speak with me regarding this matter. I am executrix of an estate and have tried to continue the mortgage payments as instructed until the Probate process is done. Letters of Testamentary and other info as requested has been forwarded to Ditech, but they constantly say they do not have the information. However, they accept my checks. Letters from them are confusing and contradictory. Their actions are unsavory and they refuse to cooperate effectively. 2. I am requesting that the account is reconciled to reflect accurate charges immediately. 3. I have several correspondence from Ditech that states late fees, delinquences, content that states changes/adjustments. However, this information is not definitive and change with the next correspondence. 4. Ditech does not adequately sevice this loan. 5. This company shows all indications that their means of operation is illegal. One can not make demands or threats, if they have not adequatly explained what the customer needs. This company is the same as Green Tree that was sued. Ditech should not be allowed to operate period. All monies need to be returned or at least waived until the account is fully corrected and correctly operated.
Consumer complaint received 2016-09-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (TX)

I moved in XXXX 2015, cancelled XXXX and returned equipment. XXXX soon sent me a bill for {$280.00}. i tried talking with XXXX supervisors, etc., that nothing was owed. They finally sent it to the credit bureaus ( late 2015 ) and I filed a dispute. Credit bureaus found XXXX ' claim not valid and cleared it off my credit history. I thought we were done with this but last week I received another notice from Allied-interstate. I feel like I 'm being intimidated into paying them to just go away. I 'd like this to stop. I let them know during the investigation I knew that they could be sued for {$1000.00} if the harassment continued, and it did stop for 9 months, but here we go again.
Consumer complaint received 2016-07-20
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CAPITAL ONE FINANCIAL CORPORATION (MD)

there were fraud checks deposited into my bank acct ( Capital One ) and an ATM withdrawl of {$480.00} that Capital one bank is holding me responsible for. the ATM withdrawl was done in IL. I called and reported my card lost and the fraud on my acct. Capital one is holding me responsible for the {$480.00} withdrawl that I did not make. they are also ending our banking relationship saying I am a liability. how can I fight this? All my funds are on hold.