davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-29
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SCOTTRADE BANK (CA)

To whom this may concern, Attached is a slightly outdated version of my tax documents. The highlighted items are fraudulent items submitted by Scottrade. Upon receipt of a police report and supporting documentation the IRS removed these items. However, shortly afterwards, Scottrade, in order to retaliate and discourage a Whistleblower, submitted them back to the IRS. 

This back and forth and the failure of Scottrade to take responsibility for their faults has caused me enormous headaches when dealing with the IRS. Essentially, when Scottrade and the IRS continue to change what it submitted to my tax return, the amount of tax owed keeps changing. Resulting in refunds, that then result in deficient payments, that go back and forth with utter confusion.
Consumer complaint received 2016-04-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (WI)

My student loan company, Navient, recently changed the terms of my agreement to extend my loans to XXXX with about {$7000.00} more in interest charges. This was done without my consent and I believe it is because I have been paying the loans down early and thus reducing the amount of interest they were earning off of me. I have been paying the standard payment of {$250.00} a month since XXXX, plus any extra I can afford. Because of this, I had reduced my principle so that I only have XXXX years of repayments left as of XXXX, XXXX. According to my calculations, during this time I would have paid approximately {$2700.00} in interest. I received a letter on XXXX/XXXX/XXXX stating that the terms of my loan had changed and my new monthly payment will be {$130.00}, which will be paid off on XXXX/XXXX/XXXX with a total of {$9500.00} of interest.
Consumer complaint received 2017-08-16
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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (GA)

I have sent several disputes to Equifax, XXXX, and XXXX disputing some trade-lines and Collection accounts that are not mine and every time they come back stating that the " account has been verified ''. Which is impossible because the accounts in questions I have never had or signed up for. Each dispute I made I specifically asked for proof of verification and the processes they took to validate my account. Which is my right to have. None of the companies have done that. I request that they immediately remove this illegal trade-lines off my credit report because they have not been verified as my account. There is no way that it COULD be verified as my account because I never signed up for them!
Consumer complaint received 2016-04-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

Green Tree Servicing has initiated foreclosure action against me while failing to properly follow the rules and procedures set forth by the CFPB governing foreclosure : Notification of Foreclosure Alternatives : Servicers must let borrowers know about their " loss mitigation options '' to retain their home after borrowers have missed two consecutive payments. They must provide them a written notice that includes examples of options that might be available to them as alternatives to foreclosure and instructions for how to obtain more information. Green Tree has never provided " loss mitigation options ''. 
Direct and Ongoing Access to Servicing Personnel : Servicers must have policies and procedures in place to provide delinquent borrowers with direct, easy, ongoing access to employees responsible for helping them. These personnel are responsible for alerting borrowers to any missing information on their applications, telling borrowers about the status of any loss mitigation application, and making sure documents get to the right servicing personnel for processing. Green Tree had, in a letter, provided an agent for this account, XXXX @ extension XXXX. I have left numerous messages without ever receiving a callback. In XXXX & XXXX, Green Tree left door hangers on my front door that read " Important - Please contact us ''. The phone numbers on the hangers were not-in-service. 
Fair Review Process : The servicer must consider all foreclosure alternatives available from the mortgage owners or investors - those with decision-making power over the loan - to help the borrower retain the home. These options can range from deferment of payments to loan modifications. And servicers can no longer steer borrowers to those options that are most financially favorable for the servicer. Green Tree has found it more financially compelling to proceed with foreclosure rather than work with the borrower as it would be too costly to do the latter. 
No Foreclosure Sale Until All Other Alternatives Considered : Once the servicer offers an alternative to foreclosure, they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement, unless the borrower fails to perform under that agreement. Green Tree has never initiated " loss mitigation options '' as set by the rules of the CFPB, and therefore never worked with me.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Nelnet, Inc. (TX)

XX/XX/2016, Nelnet sent me a notification congratulating me that my student loans had moved to forbearance and deferment status and I was no longer required to make monthly payments. 
At the time, I did not fully understand what the emails meant, and actually thought nothing of it until I received more emails XX/XX/XXXX confirming that the payments of my student loans had been postponed. When I checked with my spouse, who advised me that perhaps it was connected to the fact that our son, XXXX, had returned to university full-time, yet she explained that my loans should not have moved to deferment/forbearance status as the loan is in my name, not our son 's. She advised me to contact Nelnet and explain that an error had occurred. Like me, she also has XXXX Direct Plus loans for XXXX, yet with XXXX XXXX. When I phoned NelNet, the agent responded saying that it was not possible to remove the deferment status, hence making it impossible to restart the automatic payment plan. He advised me that I could still make monthly payments, yet had to do so manually. 
When I updated my wife, who works in a higher education state agency, she reiterated that was incorrect information. She followed up by logging into my account and accessing the instant chat message and sending an email. The result of that action was one of my loans was taken out of deferment. XX/XX/XXXX/XX/XX/XXXX, we followed up again via phone to request an explanation for the deferment status. Finally, the second loan was moved out of deferment. In the interim, of course, compounded interest resulted before I noticed what was going on, and then during the struggle to resolve the issue. 
Coincidentally, I finally received an email response last week sent to Nelnet about the deferment issue last fall. I suspect it may have something to do with the XXXX complaints now surfacing in the news. 
XXXX XXXX
Consumer complaint received 2015-12-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NRA Group, LLC (NC)

I spoke to the company themselves and told them that it was not me. That someone else used my social and birthdate for their appointment. They said they messed up. It was removed from collections but it is still on my credit report. I have asked for it to be officially remove completely.
Consumer complaint received 2016-04-04
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: GOLD KEY CREDIT, INC. (FL)

I disputed an amount from a collections agency called Gold Key Credit Inc. and they did n't inform XXXX and XXXX, the credit bureaus that they report to. Every time I pull up things on my XXXX I see this derogatory amount from them on there. I know I have put 'threatened to take legal action ', but so far they have n't but I know that they will in the future. It 's just what collection agencies do, on top of that, they never answer the phone when I want to discuss my case with them.
Consumer complaint received 2017-05-20
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION (GA)

I opened a checking account after receiving a promotional flyer in the mail. I would receive a {$400.00} bonus for :  1. making 10 debi t card purchases by  XXXX   XXXX    XXXX   2. enrolling in online statements by    XXXX   XXXX   XXXX  . 3.  registering for the promotion using the referral code. I opened the account on  XXXX / XXXX /  XXXX   following the directions. I enrolled in online statements and made the debit card purchases as required. I did not receive the bonus. When I inquired with Regions, I was told many different reasons ( I qualified, but have to wait 6 months from account opening ; I did n't register the account correctly ). I finally emailed and received an elevated inquiry with customer solutions. It was said that I was n't enrolled in online statements. The system showed that I enrolled in online statements on  XXXX / XXXX /  XXXX   but then unenrolled the same day. I did receive a paper statement in  XXXX . I sent a secure message via my online account to inquire about this on  XXXX / XXXX /  XXXX  . I did not receive any detailed information ; only the directions to enroll in online statements. I re-enrolled, even though I never unenrolled. For this reason, I feel like the company is witholding the bonus due to a computer error, not my own. I followed up with customer solutions, who informed me that the branch manager where my account was opened  (   XXXX   XXXX   XXXX   XXXX , GA  XXXX  ) could override the decision. I first spoke, then emailed  XXXX   XXXX , a branch banker who said he 'd help me. He did n't respond for a week after I provided him the information and I emailed him again. His response stated that he could not help. I called customer solutions again and had the representative (  XXXX  ) contact the branch manager on my behalf. The branch manager,  XXXX   XXXX , would not override the decision.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (NY)

Citicards is giving me the runaround in crediting me for a transaction that it has already identified to be fraudulent. On XX/XX/2016 Citicards called me to report a suspicious transaction on my account resulting in termination of the card and issuance of a new card. Since then I have called Citicards to have removed a transaction from XXXX that I never mad. I have spoke to over XXXX representatives each time they misrepresent that it is not a problem and not to worry and that the transaction will be taken off in 3 to 4 business days.
Consumer complaint received 2016-08-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Citibank offered a promotion for opening a CitiGold checking account in the beginning of the year. If the customer make the requirements, we are suppose to receive XXXX in XXXX XXXX points. I made the requirements, I confirmed with Citibank, XXXX XXXX from Citibank confirmed that I am suppose to receive the points by XXXX 2016. I have not received the points yet. I made attempt to ask Citi to honor the agreement, but to no avail.
Consumer complaint received 2016-07-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a Citigold Checking account with a coupon code that indicated I would receive XXXX XXXX XXXX miles after meeting the promo requirements : 1 ) Spend {$1000.00} on the debit card. XXXX ) Make a bill payment using the BillPay service for two consecutive months. I met the requirements quickly and awaited my points. After months passed, I launched an investigation into where my points were and was told that I was ineligible. It seems that Citibank had retroactively gone back and decided this offer was limited and targeted only, despite it not saying so in the literature. I feel like this was a bait-and-switch scam designed to get multiple people to sign up for their $ XXXX/mo Citigold checking accounts, without fulfilling their advertised promotion. It has become quite a well know issue, as many people are in the same boat as I.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CO)

My wife and I applied for a home loan modification through our lender, DiTech, beginning XX/XX/2016 due in large part to a reduction in income. We submitted paystubs, bank statements, a hardship letter, and all other documents requested in a timely manner. Then, we heard nothing until just today -- denying our request for a modification and any other options. I might add that DiTech asked us to send the same information 4 times ( and for which I have the fax confirmations ), claiming that they did not receive the information required to complete our loan modification application. I feel as if they simply delayed the resolution of the application until I was too far behind in my mortgage and now they are asserting that we are in default because my property value, and income are allegedly too high. I had a change in income which is why I needed the modification in the first place -- -and still do.
Consumer complaint received 2017-05-20
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NJ)

I had bank accounts with JPMorgan Chase since around XX/XX/XXXX, and Chase allowed fraudsters to link my checking and saving account to their XXXX accounts and charged my accounts total of {$4900.00} fraudulently. Chase is only willing to pay back {$1700.00} out of the {$4900.00}. Following are some facts : 1 ) My checking account number was XXXX and saving account was XXXX. 2 ) Fraudsters linked to my Chase checking account through XXXX since XX/XX/XXXX and charge {$3100.00} from my account until XX/XX/XXXX. 3 ) Fraudsters linked to my Chase saving account through XXXX since XX/XX/XXXX and charge {$1800.00} from my account until XX/XX/XXXX. 3 ) I found the frauds and notified Chase immediately on XX/XX/XXXX. 4 ) Chase never notified me by any means that my accounts were linked by XXXX and just silently let fraudsters to withdraw money from my accounts. 5 ) Chase didnt do the very basic verification of name matching when my accounts were linked to XXXX. 6 ) When I report frauds to Chase on XX/XX/XXXX. 8 charges of total amount of {$680.00} were in pending status. Chase didnt do anything after my report to stop these charges and just let them go through. 7 ) When I found the frauds, I was about to have an urgent trip oversea and explicitly asked Chase to put my accounts in limit mode so money cant be withdrawn, but do not close them so I can access statements online to help me to get my money back from XXXX. But Chase closed my accounts anyway during my trip without any notification and make it impossible to get statements other than visit their branch. This made my effort to get my money back more difficult. 8 ) Chase didnt do any extra protection to my saving account, which conflicts to what I was told when I open saving account.
Consumer complaint received 2015-10-06
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NJ)

I applied and received a modification with Greentree with an interest rate of 2 %. My loan was sold (? ) to Diitech who is NOT honoring Greentree 's modification, and has offered a modification with 5.75 % rate.
Consumer complaint received 2016-06-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I wish to raise an official complaint in respect of the treatment of my mortgage account of Ditech Financial LLC a XXXX XXXX on the basis that our payments are not being recorded correctly. 
I have enclosed our payment history since XXXX/XXXX/XXXX to reflect that my account is not delinquent. What we were told by Ditech is that the XXXX/XXXX/XXXX payment was applied to the principal instead of our XXXX monthly payment. This made us delinquent for our XXXX payment. The explanation that was given to us was that they switched to a new system and mistake was committed by their system. 
My wife and I have called Ditech several times for the last 14 days ( XXXX XXXX to XXXX XXXX, XXXX ) to ask them to correct this error. I spoke to XXXX on XXXX XXXX and was told that this error will be fixed soon. We received XXXX letter that our account has been assigned to an account representative with a statement that states " this communication is from a debt collector. '' On XXXX XXXX my wife spoke to an account representative XXXX XXXX who promised my wife that this error will be corrected on XXXX XXXX, XXXX but as I have narrated XXXX XXXX this error has still not been corrected. 
We are reporting this complaint to protect our credit history since we pay our financial obligations on time and have excellent credit histories and credit scores. Also as my wife was reading reviews about Ditech several have complained to several federal agencies and have suffered delinquent accounts for reporting their complaints. 
Please assist us in this matter.
Consumer complaint received 2016-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

A new escrow analysis was done and returned a {$700.00} house payment increase. It was discovered that Insurance and Taxes were incorrect. When DiTech took over from Green Tree servicing ( XX/XX/XXXX ), the computer system change over some how double payed my insurance, which caused the increase. Also, when my Tax escrow was computed, Ditech did not take into account My homestead AND XXXX person ( since XX/XX/XXXX -- XX/XX/XXXX on the current property ) exemptions as well as a TAX FREEZE. 

Over several Phone calls speaking with customer service manager XXXX @ ext # XXXX, 5 attempts were made to recompute escrow. Because of Ditech error, not all insurance and processing fees were returned to my account ( approximately {$2300.00} ). 

Full documentation for county Tax computation was FAXed to Ditech but even with correct information, they insisted an approximate {$500.00} increase in payment. 

The credit reporting agencies have also been informed of 30 days late status. This is the first time being late on my house payment, and since I am in the process of applying for a car loan, the information has impacted that process as well. 

Please be aware That XXXX has been trying and not been able to get my problem resolved. She is as frustrated as I in this. She is not far enough up the chain of service managers to get to the bottom of the problem. I honestly believe she is not at fault. 

Between {$2300.00} and incorrect TAX computation, that ALL parties involved agree was originally caused by the Computer system change, I ca n't believe it should be this difficult to correct. The additional fallout of the credit reporting agency notification makes it an order of magnitude worse.
Consumer complaint received 2016-02-27
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC (AZ)

I received an offer to refinance that included a free appraisal. After I provided sufficient personal information, employment details and home details I was contacted and told that based on a XXXX value they are unable to proceed and pay for my appraisal. I feel I was discriminated against and discouraged from continuing the application. This practice is abusive and deceptive.
Consumer complaint received 2018-12-01
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: DISCOVER BANK (CA)

I owed discover card less than a thousand dollars several years ago. It was a very very old debt and I tried to contact the bank to settle and I was informed that they have been sold my case to a 3rd party collection agency. I contacted the collection agency last 2013 to settle my debt but they dont want to cooperate and doesnt want me to settle it. Just last year or this year I received a notification letter from XXXX XXXX, XXXX that they are garnishing my savings account because of old debt from discover card and they are working with the attorney. And Now, Im refinicing my house but I was informed by the financial officer that XXXX XXXX, XXXX was holding my house title until I pay them {$11000.00} thats why they can not proceed with the processing of my house refinancing. I dont even owe the my old discover card that much but collection agency is harrassing me to pay too much. I need help on this, I am a XXXX XXXX veteran having health issues and I am currently having financial difficulties too. I can not pay them more than I owe the bank.
Consumer complaint received 2017-01-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: BROCKELBANK INC (MI)

My rental agency that I rented 3 different homes from over 7 years without a single problem was trying to have me pay for an upgrade of a house I rented for it ( the house had now been sold ). They refused to do inspections with me before I moved out of the house in XX/XX/2015 after I had requested for one several time. And they had not refunded my {$760.00} deposit till now. My problems with this agency started when I decided to purchase my own house and got another agency to assist me with the purchase ( I have my own home now and glad I did ). This is just a case of a mean and bad spirited agent trying to destroy the good credit score that took me years to work for. They should have filled a lawsuit if actually they had any case against me. I hope you guys will get to the root of these and reinstate my credit score to it 's original version. I owe this agency no money but they are still holding on to mine. It is injustice for this to be allowed by the credit reporting organizations. This is nothing but an exploitation by this rental agency.
Consumer complaint received 2015-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: EOS Holdings, Inc. (CO)

contacted by a collection agency AFTER they put it on my credit report in XXXX XXXX they are attempting to collect monies from XXXX who says they did not hire them as i have a current account with them. i did have a dispute with XXXX over XXXX years ago and never received a final bill from them the company name is EOS COLLECTIONS