davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2022-09-21
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL (FL)

This is a XXXX XXXX XXXX XXXX for the CFBP. 


RESPONSE : XXXX Resubmitted on XXXX ( due to error on th fax of the OCC ) I had received your letter dated XXXX, Your Institution said said that now Synchrony Bank received my payment of {$3300.00} on XX/XX/2022 and applied to my accountant XXXX. You had also said that my payment was unpaid by my bank, and the payment were reversed. 


I went to my Bank XXXX XXXX XXXX XXXX, here in XXXX at the XXXX XXXX XXXX location. On XXXX The office issue me the attached documents. I was told that this claim its not 100 % correct. That payment or any of the records claimed on your letter never appear on my bank records. ( this payments nor any transaction are not in my bank records. ) As I had mentioned prior, This his is the store error and mistake. This never existed and never took place the way XXXX claimed to happened. 

This is exactly the reason for me to request a 100 % investigation on my account, My account has too many errors and now XXXX want me to pay for it. 
I had sent a copy of {$800.00} XXXX Cash payment that was never annotated on my account. 

Pl lease see the attached documents. Let me know if theres anything I can get to Synchrony Bank in order to clarify this issue. Thank you for your assistance and your cooperation on this matter. 
Please noticed that I had responded to this letter on XXXX but I faxed the paper work to XXXX office to the OCC, which had my case # XXXX Today when I called to check on this issue, I was told that I need to resubmit this claim. 


Please noticed. 
Synchrony Bank XXXX Lowes keep saying that my payment was returned due to the bank reversed my payment. This is not correct, my bank XXXX XXXX XXXX XXXX has no records whatsoever of this transactions. 
Please see tha attached paperwork. Dated XXXX I responded inmediatly but my paperwork went to the wrong offcie.. 
Respectfully, XXXX XXXX Attached Copy of the Fax sent to XXXX on XXXX to the OCC copy of a Synchrony Bank letter dated XXXX Account xxx-xxx # XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX copy of a Synchrony Bank letter dated XXXX ( second letter ) copy of a OCC Claim # XXXX dated XXXX copy of a {$800.00} payment believed was credited to my account d XXXX copies of XXXX XXXX  statements issue by my bank on XXXX total number of pages # 22 Today date ; XXXX
Consumer complaint received 2016-10-17
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ditech Financial LLC (CA)

I just found out that there are XXXX liens on my primary residence by a creditor named XXXX. 
The debt was for a rental house that was foreclosed on back in 2012. I hired a law firm from XXXX XXXX to do a loan modification to save rental. Turns out the lawyer was a scam artist that has been disbarred by the state bar of calif. 
I not only lost money to this law firm, but lost my house. I have no idea who this XXXX is or how they were able to file a lien on my primary residence for approx $ XXXX and another one for approx XXXX. 
I need your help in resolving this matter and find out how this could happen.
Consumer complaint received 2015-09-09
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (NY)

The Fair Credit Reporting Act has as part of its complex legal process a definitive timeline as to when a credit trade line is to be removed. In the trade line under my name XXXX I had periods since XXXX where my payments were in excess of XXXX days late. 
XXXX XXXX is extending the time period by a process known as re-aging of debt. They are doing this by the elimination of a payment history, stating that the trade line will be removed from all pertinent credit reporting agencies XX/XX/XXXX. I believe that the 7-year rule properly applied will show that I had late payments long before XX/XX/XXXX, and that the XXXX XXXX trade line must be removed immediately and permanently. 
XXXX XXXX HAS NO OTHER RECOURSE BUT TO REMOVE MY ACCOUNT INFORMATION BASED UPON FCRA 7-YEAR RULE ON NEGATIVE INFORMATION!!! 
I REQUEST A PROPER REINVESTIGATION WHEREAS ALL PAYMENTS CAN BE POSTED TO ASCERTAIN THAT MY NEGATIVE PAYMENT HISTORY STARTED LONG BEFORE XXXX, AND THAT THE TIMELINE FOR THIS CREDIT ITEM HAS PASSED IT RESOURCEFUL PERIOD OF USEFULLNESS. 
THE XXXX XXXX ITEM POSTED ON MY CREDIT BUREAU MUST BE DELETED PERMANENTLY, AND I SHOULD RECEIVE A REVISED CREDIT BUREAU ACCORDINGLY FROM EACH CREDIT REPORTING AGENCY WHERE I FILED A LEGITIMATE COMPLAINT THROUGH THE CONSUMER FINANCIAL PROTECTION BUREAU.
Consumer complaint received 2015-10-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (NM)

My mortgage was sold to Ditech Mortgage from Greentree which was sold from XXXX which was sold from XXXX and all before Ditech allowed bi-weekly payment only Ditech says they do not allow bi-weekly payment or allow me to sign up for auto pay. I had my bank send them funds Bi-weekly and had to call to have the funds changed to a payment every month. They took funds for the first two payment and then reversed that, and sent me to collections for the amount of the two payments. Unable to reach any one at customer service and unable to make an online payment with a Credit Card. The did not apply the bi-weekly payment to the principal on my account and I do not know where that money went. So by reversing those payments that were applied to my mortgage the last mortgage amount increased. I have never missed a payment and this is very disturbing that a mortgage company will practice these procedures to take advantage of the consumer.
Consumer complaint received 2016-02-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Today, XXXX/XXXX/16 I went on Ditech.com the company who services my loan to make a payment on line and received an error message on each attempt I made to make this payment on-line. The screen error is attached. I then called the XXXX number and was routed to the automatic payment by phone. I again was not able to make a payment by phone. At this point I was router to a customer service rep. the customer service rep. said she would process the payment and stated it would be a {$12.00} convenience fee. I said on the web it was {$10.00} and she then stated this is why it is not working on the web or on the automatic phone. At this point I had wasted XXXX minutes of my morning, I asked for the fee to be waived, she replied no. I asked to speak to a supervisor, they supervisor XXXX said she could not waive the fee either. I said fine I will pay the fee and I am filing a report with the CFPB, magically the fee was then waived. I am not sure if they broke any laws however it is making it difficult for consumers to make payments, based on the fact they offer an on-line payment and pat by phone and neither was working you would think out of common courtesy they would waive the fee until it was fixed, especially because the fees showing on the web and spoke on the phone are different from what they then tell you when you speak to a live person. Not to mention they also got statements out late which on their message when you call in and final XXXX out late as well.
Consumer complaint received 2015-10-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

I received an estimated escrow analysis from ditech on XXXX XXXX. I was informed that my monthly mortgage payment would raise {$200.00} to make up for a shortage in my escrow account. Ditech mistakenly had estimated that my property taxes would be paid twice a year and I only pay them once. This led to the " shortage '' and increase in my payment. I called immediately XXXX XXXX XXXX ) to correct the issue and was told that an updated escrow analysis would be completed fixing the mistake. My payments would not change according to the person I spoke to. I called again on XXXX XXXX and was told the issue was not resolved and my correct escrow analysis was never completed. I was also told I would be called back the next day when the issue had been taken care of. I called the next day and was told again that nothing had been done to correct the company 's error. I was then told that they needed 5 business days to fix the escrow analysis and I would be called back when it was finished. I was called on XXXX XXXX and told that the escrow analysis was completed on XXXX XXXX and mailed to me. I needed to call customer service to get the payment amount corrected. When I called customer service, I was told that the escrow analysis still had not been shown as completed and that they had until XXXX XXXX to complete it. I was also told that, at that point, it would be too late to fix my XXXX payment and I would just have to pay that amount. I called again today and was told again that nothing was shown as being adjusted on my account, but that they would request that someone from the tax department would call me tomorrow.
Consumer complaint received 2015-06-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (CO)

Green Tree Mortgage Servicing company shorted what was due back to me when I refinanced my mortgage. I wrote the company on XXXX XXXX, 2015 requesting a complete accounting of why they feel that what was paid to me was correct. As part of the requested documentation was a complete history of my escrow account as they are claiming that two full months of MIP were owed to them when a statement received from them showed that the XXXX MIP payment was taken out of my escrow account with my XXXX XXXX payment. The payoff was received by Green Tree via wire transfer on XXXX XXXX, 2015. At most, Green Tree is owed 1 month of MIP and they have withheld two full months of MIP from what was due back to me. In their response, they did not provide the requested documentation nor did they fully account for the monies they withheld from my escrow and prepaid interest refund.
Consumer complaint received 2016-02-29
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MS)

Green Tree mortage open escrow account against our wishes saying we did n't pay some property taxes and we send letter and you had to sign for it with prove that we had paid it They started taking our payment for house and putting into escrow making it look like we did't make our payments. we refinance our loan because of this with another mortage company. Green Tree loan was paid in full and look up on credit report they said we did n't make 2 payment which has hurt our credit score We wish to file a complaint.
Consumer complaint received 2015-06-16
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (TX)

Complaint Against Green Tree Servicing LLCSee Case # XXXXCOMPAINT HISTORY : My Credit Application was declined XXXX/XXXX/2013, by Green Tree for a XXXX ( New Owner ). ( Still within the 2-year statute of limitations ). 
Green Tree Adverse Decision Letter to me did not provide specific reasons for the decline, as required by law. Their Adverse Letter to my wife and I cited : " E. OTHER - Outstanding credit conditions associated with your loan approval have not been satisfied ''. I had no accounts, past or present, with Green Tree. Green Tree would not reply to my XXXX Certified Letters requesting that they provide specific reasons for decline. 
I submitted a complaint to CFPB, providing support for all the above. Green Tree did reply to the CFPB inquires. You can read their response in the file. Net/Net : Green Tree had the property in their portfolio with the person I was buying the property from. They mistakenly classified my request for a new loan as a refinance request from the existing owner.. Had Green Tree been compliant with the law requiring prompt & specific reason for the decline, and/o, r if they had responded to my XXXX certified letters asking the same, I would have been able to clarify. Since they did not, I was required, after their long delays, to find another lender. I lost XXXX basis points in rate, had to increase my down payment by $ XXXX and go with a 15 year term as opposed to 30 year term they confirmed to offer, subject to credit approval. 
REQUEST : The CFPB did not appear to take much interest in my original complaint. Now, Green Tree has agreed to a $ XXXX Settlement to affected consumers who were the victims of illegal loan servicing and abusive collection practices. Even though I am not one of their customers, the same type of servicing error, caused me the damages, specified above. 
Read the file, you will be amazed. I want to be included in the settlement. 
Oh, not related to the law suit, my wife and I did get a letter from Green Tree this past weekend. Green Tree 's Notification to my wife and I of a security incident that may have compromised all my application information, including social security numbers and other personal data. 

XXXX XXXX XXXX
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: GREAT LAKES (CA)

I 've been making payments since 2006 and the interest and amount do not decrease. I ca n't afford the payments and my living situation. Usually I 'm late with my federal loans and struggle with my private loans as well. I pay as much as a car payment each month with federal and private loans and to top of off I 'm paying for a degree that I did n't get. I have my XXXX in XXXX and attempted to obtain my XXXX but I was only capable of starting a class. And had to drop out due to financial hardship. But I 'm still paying for the XXXX degree. I ca n't transfer any of my credits to a XXXX college either.
Consumer complaint received 2016-06-30
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (NY)

The credit cards are not processing the charges in a timely manner. It is impossible in a volatile currency situation to obtain the exchange rate on the day the item purchased is actually charged. Credit card companies may be holding charges to obtain the best possible currency exchange rate especially in volatile markets. The rates charged should be on the date the item is purchased and not the day the item is processed to avoid currency game playing. 

All credit card companies should be required to post the exchange rates they are using so consumers can determine which card to use. Currency conversions should be transparent. Credit card companies are claiming they are not assessing foreign transaction fees but they may be building in the fee into the exchange rate. Transparency will provide a clear indication of what rate is being used so consumers can determine which card to use. 

See : XXXX
Consumer complaint received 2015-11-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (MO)

Chase United Visa sent a fraudulently requested card to an address in XXXX, Massachusetts without confirmation from us first. The Chase Visa representative said that the phone number the criminal was calling from showed up as my cell phone number and they used my husbands name and bank where payments are sent from. Chase did not ask any other security questions.
Consumer complaint received 2017-03-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Duncan Solutions, lnc. (VA)

Today I spoke with a representative from this company who called me out of my name, while then attempting to hang up on me before I asked to speak with her supervisor ; after which she transferred me to another department instead of her supervisor.
Consumer complaint received 2016-05-13
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: JPMORGAN CHASE & CO. (NJ)

In the last 3 weeks I am again receiving threatening phone calls from XXXX different agencies stating they are holding a summons in their hand to be served to me at my home or my place of work. They leave this message on my phone and tell me they are coming after me within XXXX to 48 hours. Each of the XXXX times I have replied to their calls, they ask my name and proceed with more threats of consequences and that it is Chase Bank filing the charges. When I continue to tell them it 's not mine, they told me a social security #, which, again, is not mine. Then they continue to interagate me until they finally say the attorney will remove my phone # from the list. This call came from, XXXX XXXX from XXXX. He told me to call the party who was filing the charges, but gave the same # that he was calling from. XXXX. When the phone call was answered they said " XXXX XXXX '', this is XXXX. He asked me if I was born in XXXX, I laughed and said no. ( I am XXXX XXXX XXXX ) The earlier call was from restricted # but gave me # XXXX to call back. It was from XXXX XXXX who continued on to tell me I needed to contact her within 1 hour to avoid any more consequences of the hostile order charged against me for not making contact. When I called that # it was XXXX. Again, this was Chase Bank filing charges against me. Gave me a ss # that was n't mine and she said she would remove my name and number but warned me of purgury. So I guess she did n't believe me and that 's why I got the other call today. How can I stop these threatening calls, they are very disturbing to me and frightening.
Consumer complaint received 2022-02-28
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL (GA)

Once I was released from medical leave, I obtained a new job and I have acquired 2 additional part-time jobs to get caught up on bills! I contacted XXXX customer service on XX/XX/XXXX and was told to pay {$13.00} to cover the prior months leftover balance, and I was never told that my account would was closed on XX/XX/XXXX! 

My payment history includes me as paying above and beyond the minimum due, for months I sent in $ XXXX {$250.00}! I called to catch up on my bill which is only a few weeks behind! To find out that the account was closed on XXXX! I was asked by XXXX and XXXX ( supervisor ) if I received an email and I checked while I was on the line with XXXX and I did not receive an email stating that my account was going to be subject to closing! 

This is misrepresentation of quality, fair and ethical customer service! I asked to be put on a payment plan to pay the account and I cant afford the {$200.00} payments interest rates and monthly late fees and I stated that if the account is closed because XXXX  felt my debt ratio was to high I asked why am I expected to maintain the EXACT same terms as if the account was still open? I will be assessed late fees and interest on a closed account if I pay less than the monthly amount even on a closed ACCOUNT! 

I want my account reinstated and I will pay what I owe. The company should treat me with dignity and the respect I deserve as a hard working citizen with 3 jobs ( one is that of an XXXX  ) that pays my taxes!
Consumer complaint received 2015-06-17
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO. (TX)

At the time of my divorce the judge ordered my ex wife and I to pay different credit cards. 
she used XXXX in my name and I had XXXX in her name that I used. she was responsible for paying the debt in my name but she did n't. I have sent my divorce decree and letters to the credit card company many times explaining the situation that she was responsible but they ignored me. Finally, since she refused to pay the bill it was turned over to collections. 
they would n't accept the divorce papers either. She finally settled for a lesser amount Now it is on my credit.
Consumer complaint received 2015-06-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (LA)

My husband and I fell behind on our mortgage. We were given the wrong information by Chase and finally after six months we were told what we could do. That was XX/XX/XXXX and now three years later we finally were approved for a modification and our payments were suppose to start in XX/XX/XXXX. We submitted our XXXX set of documents and they were rejected, we submitted our XXXX set and again rejected. So XX/XX/XXXX has come and gone and we submitted our XXXX set and it was accepted but the problem is they were accepted on XX/XX/XXXX. We are now two months behind on our modified mortgage! I asked Chase when will the payments start and I was told the date on the documents. Chase found something wrong with all of our documents! There was nothing wrong with them but they are dragging it out all over again! How can something designed to help you start out by drowning you? We are in the same boat we were in last time! So now we have to play catch up! That is not fair!
Consumer complaint received 2016-06-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (TX)

Have a mortgage loan with JP Morgan Chase. When I took out the loan three years ago Chase stated that I would be required to pay PMI due to putting down less than XXXX % on the home. I recently contacted Chase to inquire about having the PMI removed and was told I would need to have a Chase approved appraiser complete a new appraisal of my home. After paying Chase {$450.00} for the appraisal Chase informed me that I have just over XXXX % equity in my home, according to the appraisal, but they would not remove the PMI. Chase now says I must have XXXX % equity in the home, not the XXXX % they originally informed me of. I filled a complaint with the XXXX, which made Chase open a case, reevaluate my situation. I was contacted my a Chase employee after the fact who stated my documentation signed at purchase does state the PMI must be payed until I have XXXX % equity in the home, but then states its not very clear, and that Chase will not remove the PMI. Chase has attempted to blame the investor, saying they now require XXXX % equity. 

Chase has mislead the customer and is refusing to remove the PMI from my mortgage loan when I have over XXXX % equity in my home, according to their appraisal and documentation Chase supplied me.