davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: REGIONS FINANCIAL CORPORATION (FL)

Regions Bank holds the mortgage on my home. I applied to Regions Bank for a refinance loan. Regions put in in touch with a loan officer, XXXX XXXX XXXX. In my initial conversation, I disclosed to him which loan I wanted and our financial circumstances. Based upon this, Regions knew or had reason to know that I could not qualify under the requirements of the loan which I sought. This is the case despite the fact that we have excellent credit and financial resources. Today, over 90 % of loans are sold to XXXX XXXX or XXXX immediately after securitization. These two XXXX then issue securities guaranteed by the full faith and credit of the XXXX, either through securitization or as covered bonds. We fail to meet the income and debt ratios for the loan under XXXX XXXX XXXX guidelines. 
In this case, Regions was only prepared to make a loan conforming to these guidelines. I was informed of none of this. Instead of informing me of this by " prequalifying '' me for the loan based upon my verbal representations in relationship to the guidelines, Regions issued a full loan disclosure document. XXXX XXXX then asked me to submit detailed financial documentation to substantiate my representations which I did. Subsequently XXXX XXXX requested me to submit additional documents and had me increase the monthly distribution paid from our trusts and documentation confirming that this amount had been paid into our Regions ' checking account. The entire process took more than XXXX months and a significant amount of my time. 

Even at this point, no one bothered to inform me that based upon the documentation submitted I did not meet the underwriting requirements for the loan. Instead, I was asked to pay {$400.00}. for an appraisal to secure a loan that would never be made. Only after payment was made was the documentation submitted for a review by an underwriter who belatedly started the process leading to my being informed that I did not qualify. In short, Regions wrongfully caused me to spend {$400.00}. when either they knew or should have known that the loan would never be made. 
This is a wrongful consumer abuse. Apparently, the procedure described above enables Regions to make more loans with a lower overhead. Most banks have licensed mortgage brokers taking applications who will inform a customer right away if the customer fails to qualify for the loan under its specific underwriting requirements. I do not believe that the consumer should be stuck with the bill because Regions has changed the way this type of transaction is customarily handled without first disclosing this to the customer. Regions, at a minimum, should either conform its procedure to the customary way other lenders take loan applications or make prior written disclosure to a loan applicant that fees will be collected without prior prequalification of the customer.
Consumer complaint received 2015-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: EOS Holdings, Inc. (GA)

in XX/XX/XXXX a collection acct showed up on my credit reports from eos cca. In XX/XX/XXXX I contacted the company through the phone # listed on my report after not receiving a dunning notice. I advised this is not my account and I do not owe their company and asked them not to report to which they responded by hanging up on me. I called back and spoke with a supervisor and explained again this is not my account and that I would need to start recording the call which was met with the same fate of the survivor hanging up on me. I then contacted XXXX and they stated they had no information in regards to me owing any amount to them. I then contacted eoa cca to advise what I 'd learned from XXXX only to receive rude and accusatory comments. I did n't not reside in the state that the representative said the account was in. 
Persistent attempts to collect debt that the consumer did not owe. 
Improper communication tactics. 
False statements or misrepresentations. 
Failure to disclose information that would allow the consumer to verify the debt.
Consumer complaint received 2016-06-06
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Green Square Company LLC. (CA)

I received an automated message on my direct line at work, which referenced my debt, failure to honor a payment arrangement, and a threat of legal action if I failed to respond. This phone line is forwarded to a co-worker when I 'm away from my desk, at lunch, or off for the day. Anyone who happened to answer the call, would have heard this information about my personal debt, which could be detrimental to my reputation at work, and my chances to promote.
Consumer complaint received 2016-07-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (CA)

The only blemish on my credit reports is as a co-signer on my son 's auto loan from XX/XX/XXXX. After the car was stolen in XX/XX/XXXX, it was recovered and turned over to Santander Consumer USA. Neither I nor, as far as I know, my son was properly notified. Instead, it went to auction. I may have helped him recover the car, if I had known all the facts! Just learned these details from my credit report! 
Manager " XXXX '' at Santander says he understands my plight fully, has " no dog in this fight, '' and would like to take it off my credit report, but " can not '' w/o your approval!
Consumer complaint received 2015-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (MO)

I received several letters from Trasworld Systems stating I owe XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Mo. Phone XXXX. The sum of {$99.00}. I called XXXX XXXX & they told me that my account was paid in full. To ignore the Collection Agency. I do n't want this to affect my credit score & I want Transworld to leave me alone. I called Transworld but could never get through. Please help.
Consumer complaint received 2015-04-07
Product: Prepaid card — Other special purpose card
Issue: Fees — 
Company: AMERICAN EXPRESS COMPANY (VA)

I received a {$59.00} rebate card from XXXX on XX/XX/XXXX. It is a prepaid American Express Rewards Card. On the card agreement, it said " a {$2.00} monthly fee will be accessed against the card balance 5 months after Card Issuance ''. In order to avoid the service fee, I tried to use the card today ( XX/XX/XXXX, a week before XX/XX/XXXX ) for a {$59.00} online transaction and the transaction was declined. After talking to American Express card service, I was told a {$2.00} fee was deducted from the account on XX/XX/XXXX because the card issuance date was XX/XX/XXXX. Also American Express refused to refund the {$2.00} fee. 

I feel this is a deceptive practice because American Express Card intentionally do not print the card issuance date on the card or in the letter with the card and then they can charge a fee early than what a consumer thought. The American Express prepaid card customer service refused to refund the customer even they admitted the fee was charged early because the card issuance date was early and they did not inform customers about the issuance date of the card.
Consumer complaint received 2017-01-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NY)

I received a certified letter informing me about Intent to foreclose. My tenant also received certified letter. Why would Ditech send my tenant this letter when they know where I live? Ditech states I missed a payment in XXXX 2016. They send XXXX sets of statements to me every month with conflicting information. My bank statement showed I 've paid. Ditech 's payment history shows I 've paid. Ditech 's payment page indicates I have not ... Although I have contacted them through their message system, twice, they have yet to get back to me. One would think this is important. Judging by the complaints on this and many other sites, this is a XXXX
Consumer complaint received 2016-07-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AL)

My mortgage was sold to Ditech Financial last year when I refinanced. I have had issues with them responding to any questions I send. I have asked if they were going to assess my account as the previous company had done to ensure that the payments going into escrow will cover taxes/insurance. I got a letter stating they were looking into it. Then I got a letter stating that they were not supposed to assess my account until next year but they were going ahead and assessing it. That has been a few months ago. After I got that letter, I sent another message and explained that I was n't asking them to go ahead and assess it, I was just asking if they ever assess the accounts. I did n't want to owe a lump sum because they had not assessed it. I got another letter in the mail stating they were looking into it. I got my statement for the XX/XX/XXXX payment and the payment amount has gone up by a few dollars but there is no explanation and nothing to show they have assessed my account. I have had a lot of problems getting any response from them and if I do, it 's months later. I do n't know what agency is best to report them to or to try to get help from. I want timely answers to my questions. I have had a few previous mortgage companies and they always responded within 48 hours most of the time less than 24 hours and this company always mails letters stating they are looking into it so it 's always a few months before I ever get a response. I have sent another message and asked why the payment went up and expressed how I hate getting letters in the mail stating they are looking into it. I also explained that I hate that it takes a few months to get a real answer. I am so unhappy with this company that I put a note on every message and payment to please sell my account to someone else who has better customer service. I do n't understand not being able to get quick answers on my account. If this is not the place I need to report them to, please tell me what agency I need to contact for help. I am looking at refinancing just to get away from this company. 

Thanks for any help, XXXX XXXX XXXX
Consumer complaint received 2016-01-27
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: FirstPoint Collection Resources (MD)

Debt had been paid by insurance prior to XX/XX/XXXX when I last spoke to the medical management company that billed for the services. Tonight ( XXXX/XXXX/XXXX ) I go t a call just before XXXX from First Point telling me that I still owe {$620.00} for services. XXXX was insistent that I still owed the money and he has control over reporting it to the credit bureaus. He stated that as of XXXX/XXXX/XXXX I still owed {$620.00} and he was attempting to collect it. XXXX was not willing to hear that I did n't owe any money and that it had been paid. After I let him know that he is not able to try and collect money for a debt that was paid he became very argumentative, stating that he can and needs to collect the debt.
Consumer complaint received 2016-07-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NV)

My mortgage is owned by XXXX, we have painfully dealt as best we can with all of the shenanigans our lender has stuck us with over the past 10 years. XXXXGreentree&gt;Ditech, A XXXX company.  We have battled almost every step of the way when my husband was XXXX in XX/XX/XXXX.  Now we are in foreclosure again due to a modification trial payment mishap which now has us devastated and in fear of losing the one thing that we have worked so hard to keep since purchasing in XX/XX/XXXX.  I've tried calling my "acct rep" multiple times, left many messages, emailed a request for them to call me, and have called the main number several times with no success getting someone to help us.  My calls going unanswered and ignored have me furious and suspecting that we are being mistreated in every possible way.  Like many others I've read about dealing with similar problems with this company, I feel certain these are not simply "isolated cases" and certainly no accident.  I want to keep my home and they don't care to help properly. They've changed my account number multiple times, and assigned me many different reps through the years, now I feel I'm falling on deaf ears.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (OH)

I applied for and completed a home modification program ( Home Affordable ). My mortgage was sold from XXXX XXXX XXXX to Di-Tech. Upon completion of the modification program, I received a letter from XXXX XXXX XXXX explaining to me that since I completed the program in good standing without missing a payment, they were awarding me {$4000.00} to be applied to the principal of my mortgage loan. Once Di-Tech bought the mortgage loan from XXXX XXXX XXXX, they ( Di-tech ) decided that I did NOT qualify for the {$4000.00} and advised me in a letter that they were taking that money and that I was no longer eligible for it. I called Ditech to inquire how they came up with their reason that I did not qualify for the {$4000.00}. They said I had missed a payment back XX/XX/2012, therefore rendering me unqualified. After speaking to Ditech, I immediately called XXXX XXXX XXXX who in fact verified that there has never been a payment missed or even late. I have NEVER missed or been late on a mortgage payment in 49 years of owning my home. My daughter wrote a letter to Ditech along with the proof that the payments were all made and all I 'm getting is " we need more time '' explaining that they can not find a discrepancy. If I can get that {$4000.00} applied back to the principal of my home, I will be able to refinance and bring my payments back down to where I can afford them. Since Ditech took my mortgage from XXXX XXXX XXXX, my payments have steadily gone from XXXX to XXXX. I am XXXX yrs old and a widow, and live on a fixed income. I feel strongly that they are scamming me in order to keep the money that was issued to me by the Dept of U.S. Treasury. I have the letter from them awarding me the money. Please help me get the money back that I have coming to me.
Consumer complaint received 2015-09-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (PA)

Citicard runs a earned points system called " Citi Easy Deals ''. The points earned are based on money spent on the their credit cards, then the cardholder is supposed to go in and use the points to buy in the online store or bid in auctions or daily deals. 

The scam begins whenever they list something in their daily deal, the customer goes in the very second it lists and they always say it 's already sold out. The auction system is equally questionable. 
Citicard Easy Deals should be investigated on this.
Consumer complaint received 2016-05-07
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (NJ)

Mortgage Modification completed XX/XX/XXXX, signed docs and submitted to bank. This was a fixed rate for first 5 years then rate increases almost a point per year for the next 3 years ( Stepped rate ). Less than 30 days later bank sent a new contract with same rate but fixed for 30 years and told me I had to the choice to keep the current or go with the new contract that was provided in XXXX XXXX. Second set of docs were signed as it was a better deal offering fixed rate for 30 years ( no brainer ). The same 30 year fixed rate contract was submitted to XXXX XXXX NJ as official record. XX/XX/XXXX I received a letter explaining my 5 year fixed rate lock would expire XX/XX/XXXX and rate would increase by a full point. I explained my situation that the signed contract I have from XXXX XXXX is the one that Chase bank said was the one in force. 4 weeks later ( XX/XX/XXXX ) Bank said they were not going to honor the XX/XX/XXXX contract ( Fixed ) and only use the XX/XX/XXXX ( Stepped ). They also told me this is what they decided and that there was nothing I could do about it and would not allow me to talk to any supervisors as it is a done deal. 
Please also note they raised my rate XXXX XXXX XXXX instead of what on the stepped contract of a XXXX XXXX XXXX execution date. 
Chase has come up with so many poor excuses for not honoring the contract I have, also I always get a different story on why they are going with the XXXX contract but no reason why they ca n't honor the XXXX. 
Please help me get JP Morgan Chase honor the contact that we agreed to 5 years ago
Consumer complaint received 2015-05-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: UNIFOUR FINANCIAL SERVICES, LLC (NC)

I purchased a XXXX from XXXX out of XXXX nc they financed the truck at Unifour Financial which owns XXXX, seems like a monopoly. 
The truck value was {$4700.00} but after financing it the total cost is {$16000.00} about {$11000.00} more than the truck value. 

They financed it in my name but since they could n't verify my income they had my Mother co sign, my interest rate was 27 % and after my Mother co sign the interest rate remained the same but it should have been around 7 or 8 % because her credit score at the time was XXXX. 
Consumer fraud was committed on behalf of XXXX and unifour financial because they hid problems about the truck which they knew about, like they purchased the truck from an insurance auto salvage auction in XXXX NC But failed to tell me. they failed to tell me they touch up paint and sprayed a thin layer of clear coat on the truck just good enough to sell which the clear coat and paint came off within a week of purchase. the driver and passenger floor board has rusted holes in which they hid by placing vinyl flooring over it. the steering column collar has bolts missing in which the collar is hanging down. the ignition switch wo n't work sometimes. the passenger door can not be unlocked from the outside. the transmission torque converter is slipping since day XXXX. Unifour financial wo n't work with me on anything, they do n't do deferments, they do n't refinance, nothing will they do, XXXX has had all these issues presented to them numerous time but they have always ignored me. consumer fraud has been committed by both businesses
Consumer complaint received 2015-09-15
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Credit Services reported 30 Day Late ( XXXX 2012 ) to all major credit bureaus ( XXXX, XXXX, and XXXX ) arguing that Chase did not received payment from me for the month of XXXX 2012. The payment for XXXX 2012 was submitted on XXXX XXXX, 2012 through chase.com online portal, however, Chase Card Services failed to process the payment for unknown reason. I provided proof of payment to Chase Credit Services, however, chase.com stubbornly refuse to remove 30 Day Late from all XXXX major credit bureaus without proof or good cause.
Consumer complaint received 2016-12-10
Product: Credit card — 
Issue: Billing statement — 
Company: JPMORGAN CHASE & CO. (AL)

CHASE FREEDOM CREDIT CARD I just signed up and received a Chase Freedom Card last month and today I received my statement and was shocked to see all XXXX digits on my statement. I was in awe and shocked so i called their customer service number. He told me that all Chase credit card statements have all XXXX digits listed. I told him that I have several other credit cards and they only send statements with the last XXXX digits of the card. He told me he could n't do anything so I asked to speak with a manager. He transferred me woman manager who told me the same thing but said she had several other members complain about their statements having all XXXX digits and would escalate this issue. 
This just makes it easier for someone to commit fraud.
Consumer complaint received 2016-09-07
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (OH)

I received an unsolicited XXXX rewards XXXX card issued by Chase Bank. I did not activate the card and took the mailing envelope along with the XXXX XXXX and enclosed documentation to a local Chase branch and requested that the card be closed. The Chase officer called Chase Security and they canceled the card telling us that fraud was already suspected and that they had some knowledge of the Amazon.com/Chase Bank connection so the card was frozen prior to the branch banker calling today. Since the card was not activated there were no charges made so to the best of my knowledge nobody lost any money. I was told by Chase security to notify the credit reporting agencies, and the financial institutions with whom we have accounts to alert them. I have checked all of our accounts and received a credit report from XXXX and found no suspicious activity.
Consumer complaint received 2015-06-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (MN)

Chase is dual tracking this borrower. I submitted a loan modification application for this borrower on XX/XX/2015. On XX/XX/2015, the lender scheduled a mortgage foreclosure sale for XX/XX/2015. The packet was facially complete. It was missing XXXX item - proof of rent payment for XXXX month, which I just submitted today, XX/XX/2015. This was a new income source as of XXXX XXXX ; the borrower had already submitted proof of income for XXXX ; we were just waiting on the XXXX rent payment to submit the XXXX month.
Consumer complaint received 2016-11-23
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (NH)

I requested that my card / account be canceled and that the associated membership fee be canceled. This was done when I sent in payment for my bill. Which is in accordance the the cancellation policy stated on the back of the bill. However, contrary to my request, the account was not canceled and I was charged a fee. This account was a Chase Southwest Rapid Rewards card.
Consumer complaint received 2015-10-14
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (VA)

The Chase Freedom card offered a great deal for a 0 % APR balance transfer. We had about $ 2k in leftover wedding expenses that I decided to transfer over so I could take my time paying it off. Meanwhile, I used the card on our XXXX honeymoon, mistakenly thinking that it it did not have XXXX transaction fees. When I returned and paid off the " honeymoon balance '' in full, they only applied half of my payment to the balance and the other half to the 0 % APR balance.
Consumer complaint received 2015-10-07
Product: Bank account or service — Cashing a check without an account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NV)

who is not our deposit or loan customer ... ... .we may charge them a fee .... '' Does this mean {$.00} or {$XXXX}? I feel this misleading, ambiguous, and not within spirit of " full disclosure ''.