davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-06
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (OK)

We originally purchased out home through XXXX XXXX ( XXXX ). We refinanced with XXXX XXXX in XX/XX/XXXX. The mortgage was then sold to XXXX XXXX XXXX, then Greentree Mortgage, who became Ditech Mortgage. Jumping forward to XXXX, XXXX. We had an opportunity to refinance at a lower rate, shorter term, plus consolidate four payments. The process went well until a major road block. During due-diligence by XXXX, we determined XXXX XXXX failed to file a lean-released with the title company. Non of the successive mortgage holders caught or brought to out attention this error. DiTech Mortgage was aware of something because in their Title Insurance, Page XXXX ( XXXX ) XXXX XXXX was excluded from their responsibility. Therefore, we can not refinance our home at a lower payment, rate, and term, nor can I sell my home. I am tied to a lender I do not like or want at their. terms not mine. I am locked into a higher rate, term and can not reduce my dept load because of someone not doing their job. DiTech gave themselves a " get out of jail free card '' at my expense. Comsumer 's can not move forward with wise financial decisions when the banking/mortgage entities are allowed to control out finances.
Consumer complaint received 2016-07-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MN)

Ditech recently raised my mortgage payment due to an error in the amount they are escrowing for my townhome insurance. They are escrowing for an annual insurance premium of {$2000.00} when the premium is actually {$100.00} ( so 20 times the correct amount ). I notified them of their error on XXXX XXXX. Since XXXX XXXX, I have called Customer Service twice and sent four written communications. Today is XXXX XXXX and still no action. My payment is due XXXX XXXX and I do n't want to pay the amount they show owing because it 's incorrect and way more than I owe them. The problem stemmed from the Escrow Dept. misreading my insurance company 's " Evidence of Insurance '' document. The document showed insurance on multiple properties, and Ditech used the TOTAL for all properties ( when calculating a higher monthly mortgage payment ) rather than using the line item amount stating the premium for the townhome property that Ditech has financed. I sent an updated document from my insurance company to Ditech ( several times now ) -- clearly showing only townhome insurance and clearly showing the annual premium of {$100.00}.
Consumer complaint received 2016-11-03
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

About 13 months ago I filed a complaint with your organization related to Ditech Mortgage ( XXXX ). They promised to pay the homeowner association dues, it is on recorded messages, and they refused to turn over the takes. I was surprised that CFPD did not force them to turn over the takes because they lied. Because they did not pay the association dues I received a noticed from the sheriff office to leave the property ... forced to leave the property. I have repeatedly requested the recording to show that I was promised on several occasions by Ditech associate not to worry and they would take care of it. Today I am receiving letters from Ditech stating that the mortgage has not been paid in 18 months. I communicated to Ditech that the owner association has leased out the property, and they are not paying the mortgage. At this time Ditech has not resolved this issue, and the homeowner association is collecting money and not paying the mortgage. At this time I can not purchase a home because Ditech refuses to foreclose on the property and force the homeowner association to pay the back payments totaling approximately {$34000.00}. I believed that your organization was here to protect people like myself who does not have the resources to fight a big company like Ditech. Please help us now with this issue. Otherwise, Ditech will continue with this practice thus allowing the homeowner association to collect rent and not paying the mortgage. Please HELP! 
Regards XXXX
Consumer complaint received 2017-01-20
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

1 ) I needed a private loan while attending XXXX University ( now closed ) in XX/XX/2002. The private loan amount was for {$10000.00} through XXXX XXXX, now known as NAVIENT. My loan amount has NEVER decreased at all, ever. It has increased or stayed the same for the past XXXX years. 
2 ) My payment initially was affordable at {$65.00} a month, and overnight doubled to {$130.00} a month. After explaining it was not affordable for me, they told me I had no other options. 
3 ) I have always made my monthly payments, but when I have called throughout the years to better understand why my balance never decreases or why I am never eligible for a lower payment, I am told every excuse there is. I have also experienced very rude customer service on many occasions.
Consumer complaint received 2015-12-30
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TN)

My customer account rep. was very rude and disrespectful. I have never been talked to and treated so poorly by a company. First mortgage company out of all the mortgage companies that our loan has been bought out by. The account rep. refused to set up a payment arrangement for me to make a payment on the XXXX day past my due date. I explained to them that the last couple months had been financially hard. She did not care and began to tell me, how that 's no excuse and lecture me on how and what I should be paying with my income. That she has XXXX kids and a single mother and would n't let me get a word in edge wide ... I told them the soonest I could make my payment for XXXX XXXX would be XXXX XXXX and that I could make my XXXX payment on the XXXX of XXXX. She said that was unacceptable and that I needed to start calling family and friends to borrow money, when getting off the phone she says in a very smart tone " good luck ''! WOW, worst company ever!!! No trying to help the customer stay in their home and help them get caught up on payments! Its almost like they enjoy telling you that they will start foreclosure ... .to beat it all she called back several times and said the same things over to me, lecturing me on how to handle my finances, that she has no clue about my personal finances and even had the nerve to ask me, " how much I spent on my kids XXXX? ". The few months I have been with them I could write a book on all the unprofessional, unethical things that they have done! WOULD NOT RECOMMEND AND WOULD NOT BE WITH COMPANY HAD THEY NOT BOUGHT OUT GREENTREE!!!
Consumer complaint received 2022-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC. (GA)

It started in XXXX. I have a twin brother and our credit files were mixed up. At the time, he was stationed in XXXX so we did not realize the mishap until after he returned in XXXX. 

The credit bureau is Equifax. Despite numerous phone calls, him and I both mailed our personal documents in, the issue has not been fixed. Between XXXX, we have both mailed in our documents on more than one occasion and when contacting Equifax, we are always told that our files can not be found. However, every year, Equifax somehow continues to update files that they cant locate. 
Just recently ( XX/XX/XXXX ), I resent my documents-this time certified mail and attempted to follow up this past week and was hung up on all six times that I called and all associates refused to give me an update. I wanted to make sure that my documents had been received as I understand the actual investigation takes thirty days. I even requested to speak to a supervisor, who also hung up. Pre-pandemic, I attempted to arrange an in person meeting as I live twenty minutes from Equifax headquarters, also refused and hung up on at that time as well. 

Currently, reported inaccurately is : XXXX XXXX XXXX XXXX : {$13000.00} XXXX XXXX XXXX : {$5000.00}, XXXX XXXX XXXX XXXX  : {$1900.00}, charge-off These are not my accounts. Equifax has also denied mailing verification for all accounts listed. 

I have attached the letter that was mailed to Equifax on XX/XX/XXXX. It was received and signed for on XX/XX/XXXX.
Consumer complaint received 2019-02-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

I paid {$100.00} on XX/XX/2017 which was to pay the XXXX and XXXX payments. After seeing that the XXXX payment wasn't credited properly, I called XXXX. They explained that I made the payment one day too early ( the day before the statement comes out ) so the entire payment was credited to XXXX only. They corrected the status and even reversed the late fee but never updated the credit bureaus. They are still reporting me late for XX/XX/2017. The minimum payments for XXXX and XXXX were {$25.00} and {$53.00} so {$100.00} was more than enough to cover both payments. I did this because I knew I would be busy and out of town and I didn't want to forget about making the XXXX payment.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (UT)

i am writing you about my XXXX. i called XXXX to dispute some charges made by online business opportunity scammers.they told me they could only find one charge for XXXX for XXXX on XX/XX/2016.when in fact there were more charges on my card.there were charges from XXXX for XXXX, and XXXX for XXXX was told they could not find these charges while i was looking at them on my summary.what kind of work can i expect from this institution.these companies are totally scamming the elderly and XXXX was totally non caring.these companies never rendered me any services, charged on all my credit cards and XXXX turns a deaf ear.i had amounts and dates but no help.they need to listen to there customer, i repeated do you understand i was not rendered any services which extends me beyond there basic XXXX of 60 days.i guess one of the biggest financial institutions doesnt have to worry about the little guy.where do i go from here if my own bank will not help.
Consumer complaint received 2017-02-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: HOVG, LLC (FL)

I disputed the referenced accounts ( # XXXX & # XXXX XXXX by third party XXXX XXXX XXXX XXXX. The credit report shows these items were deleted from my credit file XXXX 2017. HOVG LLC, dba Bay Area Credit service ( BACS ), XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX has now reinserted these items on my credit report. The reporting period has expired and I have NOT received any notification. This is a serious violation of the FCRA.
Consumer complaint received 2017-03-09
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NJ)

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Consumer complaint received 2016-10-03
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (AZ)

XX/XX/XXXX, I requested my credit report and became aware of a Sears Credit Card account that was opened under my social security number. The account did not have a balance, but did have a credit line of {$8000.00}. I never applied for any credit from Sears and the account was attached to an address across the country where I have never lived. I initially disputed the account with the credit reporting agency and was told that Sears claimed the account was mine. I proceeded to call Sears to dispute ownership of the account. I was assured by no less than XXXX different people from customer service, fraud, and credit assistance that the account was indeed closed and that absolutely no charges could be made. I asked to see the application for the opening of the account and was told that was not possible. I was told that I would receive a letter stating the account was closed but after three attempts, a letter never arrived. 

I viewed my credit report XX/XX/XXXX and saw that the account was indeed still open but had only a {$2000.00} credit line. I called Sears and was told that their " investigations '' department had reviewed the matter and since there was no balance on the account they reopened the account and reissued a card to the address I have never lived. I have to admit, by this time I was livid because I was being treated like I was trying to get out of paying debt when in fact there was no balance on the account. I asked how they could reopen an account that someone claimed did not belong to them and was treated very rudely. After going round and round with an associate from the fraud department by the name of XXXX, I was told that it was n't fraud it must have been my account and he transferred me to another customer service associate who once again told me the account has been closed. I was told again that I would receive a letter stating the closure, but once again I have still not received. I once again asked to see the application for the account and was denied. 

I want this account removed from my credit report for all XXXX credit bureaus, as well as the address across the country it is attached to. It is not, nor has it ever been my account. I want to see the application for the account because if someone has signed my name to open an account I need to initiate the correct legal action. Currently, I am at the mercy of Sears hoping my credit remains safe because I can not be sure the account will remain closed and more cards will not be issued.
Consumer complaint received 2016-12-21
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (PA)

Citibank acquired my Best Buy Visa card in 2015. After having the Visa card for nearly 10 years, Citi decided that I did not meet their credit standards and closed my account. In addition to the closing of the account, Citi decided to prevent me from making payments online. I do not receive my monthly statements nor can I access them online since they revoked the access to the account. I have to phone in to Citi and I am usually routed to an overseas call center in the XXXX and it is a literal ordeal to make a payment. Due to the obstacles in paying off the balance of the card and never banking with Citi, the payment fell behind and now they have reported late payments on my credit bureau. I think this is extremely unfair of Citi to make to close the card, cut the online access and prevent me from making payments via online and requiring me to call in and spend a half an hour trying to explain to a non English speaking representative to make the payments. I receive calls from several different phone numbers, from five different states that do not leave messages and when called back route to this overseas call center. I have a balance of {$160.00} which will be paid off but I would like the late credit reporting removed since Citi has caused this with their payment limitations. Citi need to be investigated for their practices which are extremely unfair to customers. Citi charged me the annual fee on the account and then closed the card. I submitted a previous complaint on Citi before and I am hoping that my nightmare banking experience with Citi can end soon. They are a big bank that is not customer centric and is very challenging to work with.
Consumer complaint received 2016-08-31
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A. (CA)

Re : Citibank ( Citigold ) accounts ending in XXXX ( {$25.00} ) and XXXX ( {$25.00} ) We were recently notified by Citibank that we have XXXX small inactive accounts ( " Insured Money Market '' and " Savings Plus '' ) each containing {$25.00} ( total of {$50.00} ). We called Citibank XX/XX/2016 and were told to submit a letter with identifying information and Citibank would send us a check to close out the accounts. Instead of sending a check for {$50.00}, we received a letter stating that, because the account is inactive, we would have to go to a Citibank branch to get the {$50.00} and close out the accounts. 
There are NO Citibank branches near either where we live in XXXX XXXX XXXX, XXXX or in XXXX, XXXX where we are visiting from XXXX XXXX, 2016 to XXXX XXXX, 2016. They have only ATM 's, and we can not get the money and close out the accounts through an ATM. 
I called Citigold Services ( XXXX ) this morning ( XXXX/XXXX/16 ) and spoke to an XXXX ( ID XXXX ) and her supervisor XXXX ( ID XXXX ) to attempt to resolve this matter by having them send me a check for {$50.00}. I was told that I would have to go to a branch, and THE CLOSEST BRANCH is in New Jersey. I COULD NOT BELIEVE MY EARS AND I ASKED XXXX TO TRANSFER ME TO HER SUPERVISOR, XXXX, WHO REPEATED THE SAME DIRECTIVE. 
PLEASE HELP!
Consumer complaint received 2016-04-13
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (NY)

On XXXX XXXX, 2016, I went into a Macy 's store to pay a bill. I provided a {$300.00} check, which my bank honored on XXXX XXXX, XXXX to my dismay, my payment was credited to the account of another Macy 's customer. After receiving my monthly statement and realizing that my payment was not applied to my account, I faxed to Macy 's a copy of my check, with my account number, and the receipt that showed that the payment was mis-applied. In addition, Macy 's charged my account a late fee of {$27.00} on XXXX XXXX, 2016. I have contacted Macy 's on 2 separate occasions asking that they correct my account to no avail. I have also asked that any negative information reported to crdeit rating agencies be similarly corrected. Please help, as their customer service is horrible.
Consumer complaint received 2017-03-06
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (MA)

Regarding CFPB Complaint # XXXX : On XXXX XXXX, 2017, Citibank stated that it would contact the major consumer reporting agencies to request the removal of any data related to my consumer Home Depot account from my credit history. I accepted this resolution and the dispute was closed. 

However, on XXXX XXXX, 2017, I received XXXX letters from Citibank ( see attached documents ). XXXX of them acknowledging the agreement and the second XXXX retracting it.
Consumer complaint received 2017-05-22
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC (IL)

I recently purchased a home. Throughout the process I was aggressively steered towards unhealthy loans b y Quicken Lo ans and    XXXX   XXXX   XXXX  . Those two  companies pushed me towards  high APR FHA loans with the lowest down payments against my very strongly worded in terests in paying a higher down p ayment. The loan officer I spoke with at Quicken Loans seemed to make a specific effort to avoid discussing  the APR of the loan she wanted to push other than over the phone. My overall mortgage shopping experience greatly concerned me, especially when put in the context of the anti-steering disclosure I eventually received at closing of my conforming mortgage.
Consumer complaint received 2016-11-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (AR)

This was from XXXX I called and cancled XXXX the person I talked to said there was no problem Just send a piece of the XXXX back. They even sent me a box for it. I dont try to cheat anybody so i feel that Idont owe anything to XXXX XXXX
Consumer complaint received 2017-03-07
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: REGIONS FINANCIAL CORPORATION (AL)

I was charged {$72.00} on XX/XX/XXXX in NSF fee 's because XXXX items posted while another was in pending status, even though those XXXX items came into the bank first. They will charge fee 's any way possible and are not consistent about the way they post items and charge fees.
Consumer complaint received 2016-11-29
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CITIBANK, N.A. (NJ)

Back in XXXX XXXX erroneously reported late payments on a student loan that was deferred. I contacted the Bureaus directly and provided them with proof of the error and requested that they remove any negative ratings from my credit report. All bureaus complied with the exception of XXXX. I reached out to the CFPB for assistance with getting this error corrected and the same reflected on my credit report. I have since had my credit limit decreased on my Citibank credit cards as a result of this. I have been a Citibank client for about 20 years. I had one credit card with a limit of XXXX and another with a credit limit of XXXX. To my dismay, my limits have been decreased to XXXX and XXXX. I explained to them that this was reported by XXXX in error and it has since been rectified. They sent a pretty standard letter to respond to my rebuttal stating that my limit was decreased due to negative information reported to the Bureaus. I should NOT be penalized in any way by an ERROR that resulted in an incorrect reporting by a creditor. I have exhausted all of my resources in trying to help Citibank to understand the nature of this error. This decrease in my credit is unfair and not related to my credit history or ability to repay. I am asking that my credit limits be restored immediately. I have uploaded copies of the Citibank notice of credit limit decrease along with the original notice from XXXX evidencing my student loan is deferred until XXXX ( late payments were reported in XXXX )