davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A. (NY)

After a female customer service representative spoke to my son and promised him that she would refund XXXX bank related fees, she could n't complete the refunds because her individual Citibank computer unit was running very slow and after about 15 minutes of waiting, her computer system froze and that 's when she informed my son that she was going to have to reboot her computer system and she promised my son that she was definitely going to refund me XXXX bank related fees, once her computer system was back up and running but she never completed what she promised. These XXXX bank related errors ( computer system disfunction/glitch / broken promised refunds ) caused me not to receive the promised refund of XXXX bank related fees. After calling back a few days later ( yesterday ), I was just refunded XXXX of the XXXX promised bank related fees by another male customer service representative. Then to add insult to injury the customer service department supervisor who spoke to my son refused to answer the following very simple question, which my son had to ask him endlessly, " Is it a bank related error when an individual Citibank computer unit disfunction and/or glitch interrupts with a customer service related conversation between a Citibank customer service representative and Citibank customer, especially when a promised refund of XXXX bank related fees could n't be completed and/or granted by the Citibank customer service representative because of the same above referenced computer system disfunction and/or glitch???? '' The supervisor endlessly and purposely refused to answer the very simple above referenced question. The supervisor 's refusal to answer the question is another bank related error. The supervisor also refused to correctly address, acknowledge and/or process the last promised bank related fee refund, due me. Furthermore, at one point, the supervisor was very unprofessional, disrespectful, rude, offensive and impolite towards my son. The supervisor purposely mimicked and spoke to my son with a XXXX person 's voice ( very slow speaking tempo ), like if my son was a very slow speaking and understanding XXXX person. Please have Citibank provide you with actual recorded conversation between the supervisor and my son ( Date : XX/XX/2017 - Time : sometime between XXXX & XXXX ).
Consumer complaint received 2015-05-05
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A. (AZ)

After moving out of my uncles house I attempted to change my billing address on the Macys website. I successfully changed my address under my profile but paper statements continued to go to my old address. Upon getting old mail from my uncle I called Macys and they explained that the billing address was not changed, that there is a prompt button at the bottom of the profile change page to change your billing address as well. Not seeing said button I believed the address to be changed and will be attaching a PDF showing that contact info under my profile does not indicate a separate billing address. I have spoke to multiple employees/managers trying to resolve this issue but they have been very unhelpful bordering on rude. They claim that my email notifications should be sufficient. Since I normally do not use this card outside of macy 's I did not expect to have a balance and the email notifications do not indicate a balance is due. 
Do to their deceptive and fraudulent business practices and unwillingness to rescind the 60 day and 30 day past due reports to the various credit agencies, my otherwise perfect credit score was lowered to the effect of paying a much higher interest rate on a 30 mortgage loan. Essentially, a missed {$88.00} payment will result in my unnecessarily paying thousands of dollars more over the course of a 30yr. mortgage.
Consumer complaint received 2015-08-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

I am an attorney. I represent homeowners in foreclosure. I normally advise my client to submit legitimate complaints here, and I think my client has in this matter, but this case is so gut wrenching and the consequences so dire, that I want to make sure it gets the full attention of the CFPB. Bottom line, my clients have lost their homestead property AND NEARLY {$300000.00} IN EQUITY because of a gross and well documented case of dual tracking. My client has very good and very detailed records of correspondence from JPMorgan who confirmed they had a completed application in. My client next confirms that while she knew a foreclosure sale was set, JPMorgan advised that it would be cancelled. My client confirmed with the attorney for JPMorgan that they were cancelling the sale. I personally spoke with the attorney for JPMorgan chase who confirms that they moved to cancel the sale. The problem is, the court refused to cancel the sale and now their home has been sold to a XXXX party at an auction. I am trying everything I can procedural to undo this sale, but our options are limited. This case illustrates a serious problem in lack of enforcement of CFPB protections. I urge you to read the Order issued by the judge in this case and I especially urge CFPB to pay particular attention to the well-documented facts that judges in circuit courts are refusing to recognize CFPB protections. This case represents very harsh consequences of this refusal and I implore you to intervene in this case and use this case for larger enforcement purposes.
Consumer complaint received 2016-10-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NM)

I am LIVID with Ocwen Loan Servicing. My father died XXXX leaving no Estate. My mother passed XXXX. Since there was a house and no will, I had to go through Probate which was completed about XX/XX/2015. I sent Ocwen the personal responsibility form notarized by the XXXX XXXX XXXX Probate Court naming me as the ONLY party to the Estate. I 've been trying to get Ocwen to change the mortgage to my name as deceased people can not own real property. They refuse. Any contact with them has to open with giving my ( deceased ) mother 's ssn. This is ridiculous and stirs up emotions I just do n't need. Now for the ultimate insult. I got a fat envelope from Ocwen last week ( their date XXXX ) stating I 'm in default ( 2 months when letter was created, now XXXX. It also threatens foreclosure! I know foreclosure proceedings can not begin until 4 months in arrears. I tried calling and got the typical XXXX accent which I can barely understand. After explaining everything, he said that he could n't help as he 's not my 'personal ' mortgage assistant. I could n't understand his name or employee number at the beginning of the call. It 's time Ocwen actually showed some customer service! My brother is helping with mortgage due to a financial crisis. I 'm sure we can make 1 or 2 payments before XXXX ( four months behind ).
Consumer complaint received 2016-02-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Platinum Holdings Group, LLC (CA)

They represented themselves as police officers to my uncle and grandma in an attempt to get in contact with me. This debt is from9 years ago and do not understand why all of a sudden they are threatening to sue me. In addition to threatening to sue me, they have harassed my family by calling multiple times to each person, they have called me over 10 times just today. Also theor phone numbers register to a XXXX office and believe they are a scam and just knowing that the statue of limitations has run out on the debt, they are still attempting to strong arm me to pay double the original credit limit and threaten me with a XXXX lawsuit through the irs.
Consumer complaint received 2015-08-13
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (UT)

When I made a payment on my Home Depot account serviced by Citi, they required me to agree and accept that my computer was able to encrypt the payment information? I have no idea what this means except that they are possibly hoping that I take on the responsibility that My computer is safe enough to make a payment. I have no idea why this bank would require me to be responsible for the security of my payment - that is their responsibility to make their site safe to make the payment. How would I even know what bit encryption my computer is? This is incredibly unreasonable and confusing, and they refused to take my payment without my agreement. How do companies get away with this? Trying to pass responsibility for their own site safety on to me where I have no idea about any kind of encryption process on my computer? I am so upset by Citi unreasonable demands on consumers at this point I am making sure our Home Depot knows about this and this is really hurting their brand to have this bank called Citi be so abusive to their customers.
Consumer complaint received 2015-10-23
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (OK)

About 2 weeks ago ( XXXX XXXX, 2015? Rush Card ( UniRush ) said they would be doing a system update. Well since then I have been unable to access my funds. I have called everyday since this has been going on and still havent heard anything. I have been told they cant access my account and that its being worked on and there is nothing they can do. They have a system called Rush Goals that is like a savings and I have money in there that I cant access to withdraw off the account. I have been a member with Rush Card for 5 years and this is unacceptable. I have contacted them via phone, email, XXXX, XXXX, and XXXX and no response from anyone. I need my money, that is money i use to set aside for grocerys and I cant do that. Please, Please Help Me.
Consumer complaint received 2017-01-12
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

I signed up for a Chase Business checking account under a promotion in which I would receive {$500.00} in 60 days after depositing at least {$500.00} and holding it in the account for 60 days, while maintaining the account open for 6 months. I deposited {$500.00} into the account in person, the branch banker told me that I would receive my bonus ( hence my deposit amount ), and then Chase did not pay the bonus. They now say that it was not a qualifying deposit and that I needed to deposit via the branch ( which I did ). I do n't understand why it was not a qualifying deposit and would like the bonus to be paid.
Consumer complaint received 2016-05-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO. (PA)

I XXXX XXXX XXXX wrote a check # XXXX to JP Morgan Chase for my mortgage loan - account # XXXX in the amount of XXXX which has been my mortgage payment for several years and mailed the check on XXXX/XXXX/16. JP Morgan Chase withdraw the check from my account in the amount of {$1500.00} on XXXX which resulted in a overdraft fee of {$70.00}. I spoke to XXXX at Chase who reported that the balance of {$240.00} was applied to the principle of the loan. I asked her who authorized chase to withdraw more than the check was written for. XXXX than transferred the call to XXXX in the payment research department at chase who admitted it was JP Morgan Chase mistake and stated the {$240.00} would be refiunded to me in 1-2 days. I did not receive the {$240.00} refund to date. I also informed XXXX I was charged an overdraft fee from my bank XXXX. XXXX told me to fax a copy of my statement with the amount of the overdraft fee to JP Morgan Chase Payment Research Department. I attempted to fax the statement to the Fax # he provided multiple times and the fax did not go through to the # XXXX provided. I called JP Morgan Chase and spoke to XXXX who provided me another # to fax the statement. That number transmitted my statement. Chase withdraw the incorrect amount of the check from my account but it is taking me the consumer more than the 2 days to receive my refund and overdraft back into my account. I called Chase again on XXXX/XXXX/16 and spoke to XXXX and then XXXX to inquiry what happened to my refund. I was told the refund was mailed XXXX/XXXX/16. I also requested a copy of my paper check at which I was placed on hold for XXXX min awaiting them to locate a copy of my paper check. I was told the check was located and a copy will be mailed out.
Consumer complaint received 2015-06-08
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A. (FL)

I took out a CitiFinancial XXXX loan in XXXX. I made payments but when I was late by a payment, CitiFinancial filed a lawsuit against me. On XXXX XXXX, XXXX, this judgment was vacated by the judge. I continued to make timely payments on my accountuntil CitiFinancial sold my account to XXXX XXXX. I made the monthly payment to XXXX XXXX on account. After a short time, the account was once again sold back to CitiFinancial. I did not receive any statements but continued to make the monthly payments on time. In XXXX XXXX, I contacted CitiFinancial by phone and was told the amount due was {$2500.00}. This was incorrect. I continued to make monthly payments. In XXXX XXXX, I contacted Citi again to inquire as to why I still was not receiving statements and why there was no activity on my credit report. I was advised by email, I owed {$5200.00}. I than received a letter from XXXX advising that I had been sent to collections and Citi reported to the credit reporting agencies that I had defaulted on my loan. Even after producing the vacated judgment, they have refused to correct this. I continually get transferred and told they cant talk to me. But I was able to find out that they are now stating I have XXXX accounts. I have only had XXXX account through Citi. My credit has been affected by CitiFinancial 's inaccuracies.
Consumer complaint received 2015-06-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Receivables Performance Management, LLC (MD)

there is a collection notice on my credit report for {$420.00} for a cable/ cellular service that I do not have any affiliation with. Trying to get this removed from my credit report. I submitted a request through smart credit for this to happen but creditor will not respondThanks in advance
Consumer complaint received 2016-02-29
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CITIBANK, N.A. (NC)

I just found out about the Consent Order vs. XXXX XXXX XXXX , XXXX. They sued me for a ( should have been ) Time-Barred Debt. 

My problems with XXXX XXXX XXXX. 
mirror nearly everything in the Consent Order that they were guilty of. 

I tried to go it alone at first. During the first day I went to court ( XXXX XXXX, 2013 ), they said I had been mailed a " Request for Admissions '' and I had never responded and no response means I said yes to the questions. I do not recall ever getting this, nor does anyone in my household ( and I stated so in court ). 

I receive other peoples mail in my box at least once a month. I can only assume that some of mine may go elsewhere too. 

I hired a lawyer to fight them in court, but we lost due to the " Request for Admissions ''. 

Many of the violations listed in the Consent Order, match up with my experiences with XXXX XXXX XXXX. 

1. Errors in the " Sale File '' including wrong account totals, page from a different account, no account level info. 

2. They did not investigate when I disputed the validity of the debt ( even in writing ) about having never made a payment. 

3. Called my phone at all hours, many times a day. 

4. Referenced legal action before any had begun. 

5. Only had " Request for Admissions '', could not provide any proof. 

6. Trying to collect on a Time-Barred account. 

I am sure there are more in the XXXX page Consent Order, but I think this shows how I was treated. 


I have not paid or said I would pay anything on the account, so I do not need/qualify for that part of the Redress. 

I did have to miss several days of work, hire a lawyer, do tons of research and backtracking to try and prove the SOL had passed, causing much stress ( I obsess ), worry and marital strife. 

I will attempt to attach a timeline of some events and a copy of my lawyer 's motions What I need to know, is how do I go about getting the Judgment dropped, my Credit record cleaned and my Legal fees recouped?
Consumer complaint received 2017-02-06
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Data and Contact Management Solutions, LLC (NJ)

This is debt belong to my son XXXX XXXX who passed away on XX/XX/2016. The XXXX XXXX XXXX used the collector agency DCM Services, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX. Tel XXXX XXXX XXXX. In the amount of {$890.00} Ref # XXXX. Turned over this debt to my name, who is the father. 
My name is XXXX XXXX. I do not have anything to do with this debt or any knowledge at all. I Do Not co signed anything on this debt. I already sent out his original death certificate to XXXX XXXX XXXX notified, verified after his death. DCM Service sent me Certified letter that the debt {$890.00} was once belonged to XXXX XXXX now is be under my name XXXX XXXX. Why is that? 
Do I have responsibility to all my kid ' s XXXX? Till I died too? 
Sorry to say, I have been paying his life insurance all this time, did not know I paid for nothing because he was over XXXX years old. 
Now for this I did nothing, XXXX
Consumer complaint received 2016-02-18
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Media Collections, Inc (CA)

Hello, I work with a small nonprofit organization who continues to receive calls from Joseph, Mann, and Creed regarding a debt that we have no knowledge about. They say that it 's for " Statutory Representation, '' services from XXXX XXXX XXXX. I 've asked for documentation regarding the representation and they have n't sent me anything. I 've been receiving calls for 4 months now. Please help, thank you!
Consumer complaint received 2017-02-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (MN)

My loan was sold to PennyMac by Company XXXX on XXXX XXXX, XXXX. I received two XXXX forms from both companies in XXXX XXXX. I found that mortgage interests received from borrowers ( the numbers in box XXXX ) add up not equal to the amount I have paid in XXXX. 

So I reached out to Company XXXX, which explained to me what happened in their end and ensured me that their XXXX is correct. 

Then I contacted PennyMac on XXXX XXXX. XXXX on the customer hotline ( XXXX ) did not listen, instead she gave me an ATTITUDE that " She knows her business, but I do n't know what I am talking about. PennyMac 's XXXX is correct! '' I requested her transfer me to another customer representative. This time, a lady called XXXX XXXX ( the spelling of her first name might be wrong, but it sounded like XXXX ) claimed that she is the supervisor. After I explained my case, she gave me the same ATTITUDE. She was firm that PennyMac 's XXXX is correct and PennyMac did not receive any additional money from Company XXXX on my behalf. Eventually we had a 3-party call with the mortgage staff from Company XXXX. Finally XXXX acknowledged that the mistake was on PennyMac 's side and promised me that I will receive an updated XXXX in 3-5 business days. 

I waited till XXXX XXXX, but received no XXXX at all. So I contacted PennyMac again. This time, the customer representative, XXXX told me that ( 1 ) XXXX is NOT a supervisor ; ( 2 ) XXXX did not properly documented the case and their year-end team could not investigated into my case at all. So XXXX started over and we had another 3-party call with Company XXXX. Now I am waiting to hear back from their processing again.
Consumer complaint received 2015-06-08
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Hunt & Henriques (CA)

Dear CFPB-I was served court documents by the above named Law Firm dated XXXX XXXX 2015. After following through filing and answering back to this Law Firm with proper legal documents. We have received more legal/letter documents dated XXXX XXXX. 2015, upon reading and reviewing all the documents, the Law Firm has erroneously and falsely indicated in these forms that I had acknowledge having legal counsel concerning my rights and stipulation concerning these forms. Also from previous phone conversations on XXXX XXXX. 2015, we had requested XXXX ( Law Firm Representative ) to please contact XXXX that we are willing to settle the debt for half the amount if possible. We feel that she never attempted to contacted the Bank, other then admitting that the debt was reviewed and that our request is denied. I also feel that my rights as a consumer are being violated by this Law Firm forcefully wanting me sign their forms/documents. Please advise me of proper legal proceeding with this Law Firm. Thank you kindly for your assistance. 

Respectfully-XXXX XXXX XXXX