davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (FL)

Citibank returned my payment made by check for no reason and proceeded to charge me a late fee. I had the funds to cover the check and the representative lied and said my bank returned the check to them. XXXX of the vice presidents at XXXX XXXX XXXX assisted me with a XXXX call to get the matter resolved. I feel they tried to defraud me, a XXXX, by returning my check and could not provide me an explanation and charged me a late fee. I wonder how many other seniors they do this to???
Consumer complaint received 2016-08-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (WA)

I opened up a citigold bank account using the promotional code I received in the mail XX/XX/XXXX, in order to receive a bonus of XXXX XXXX XXXX miles once I made at least {$1000.00} debit card purchases and made bill payments in 2 consecutive months. Once I met the requirements for the bonus I send a message to citi for confirmation. They responded that I did meet the requirements and that I should see the points no later than 3 months after the end of the month in which I finished the requirements ( which was XX/XX/XXXX ). So XX/XX/XXXX comes around and I call them to ask about the points, they do n't have a clear answer and open an " investiagtion '' into the points. I get a notice more than a week later that says they will not honor the promotion because I was not " targeted '' even though the code they sent me let me apply and their own customer service agents confirmed I would be receiving the bonus. Meanwhile two months of {$30.00} " service '' fees have been taken out of my account while I have been waiting for this to be resolved by Citi.
Consumer complaint received 2015-08-18
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank ( XXXX XXXX ) received my retirement funds - a wire transfer from a 401 retirement account and placed them in a Chase retirement account at .75 % interest. Chase Bank then reduced my interest on these retirement funds to .05 %. Furthermore they charged me {$30.00} a year as a " Maintenance Fee ''. Over the five years that I had this account - I now have less money than I started with in my retirement account. The Chase Bank in XXXX XXXX ( XXXX XXXX ) told me that I had to inquire to their " Retirement Plan Division '' located in Florida. After repeated attempts and speaking with XXXX XXXX and others many times - I was told that Chase had the right to charge anything they wanted to. I asked XXXX XXXX to produce the document that I had signed that allowed the bank to take funds out of my retirement fund - XXXX XXXX refused to produce any signed documents. 
The " Retirement Plan Division '' located in Florida decreased my interest rate on me retirement fund CD from .75 % to .05 % in XXXX years. With the fees and the almost nonexistent interest rate, I will have less money in the account than I started with. I talked to numerous individuals with Chase Bank ( " Retirement Division '' ) and was told that they could do anything they wanted to and it was my fault for letting them do it. 
I have no doubt that the " Retirement Plan Division '' of Chase Bank is bilking many other retirees out of their money.
Consumer complaint received 2016-09-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (CA)

1 ) Refinanced home mortgage XXXX, XXXX. Closed early XXXX, XXXX 2 ) The original loan had an impound account which continued with the loan refinanced by XXXX XXXX XXXX XXXX, XXXX ). 
3 ) The XXXX XXXX refinanced loan was sold to Chase who took over in XXXX, XXXX. 
4 ) Much to my surprise, I received a delinquent property tax bill ( with a penalty charge ) that was due in XXXX, XXXX. I did not understand why Chase did not pay this as I have been paying into this account throughout my original mortgage and it was always paid on time. 
5 ) Subsequently, I received a surplus check from Chase for {$6300.00} which obviously was from my funds that should have been used to pay this same XXXX property tax. 
6 ) I feel that when they bought the loan, which included the monies I have been paying into the impound account, it was their obligation to make sure the tax bill was paid on time. 
7 ) I contacted Chase and was transferred from an employee who admitted it looked like Chase made a mistake and should pay the penalty to his supervisor who was evasive and would not take action to rectify or investigate the problem. 
8 ) I paid the tax bill since it was already delinquent and XXXX XXXX should be paid. 
9 ) My lawyer sent a demand letter to Chase but they have not replied. They have simply ignored my request to work out a solution to a problem they created. 
10 ) I would like Chase to at least pay for the penalty charge incurred and it would be nice if they had the courtesy to admit their negligence. My hope is to be treated FAIRLY as a consumer and not disregarded, especially since it is evident they had my funds and did not meet their obligation and instead created a bill that I did not know of until it was delinquent. 
11 ) I will try and attach documents to show evidence of what I am describing. 
12 ) Please contact me with anything needed to clarify my dilemma. 
Thank you very much.
Consumer complaint received 2016-10-14
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (OR)

We initiated an auto loan with Chase approximately two years ago. We started making payments through automatic bill pay at that time. We thought at that time that we were being very dutiful by paying on the first of the month. Well, upon recent inspection of my credit report, Chase claims we have been a full thirty days late the entire term of the loan. Effectively, when our payment is made it has been for the previous month 's bill. Now Chase Auto has made a claim on our credit report that we were 30 days late XX/XX/2016. When I asked customer service why they have n't called or written a letter explaining this inconsistency, they claim they have called ( even though I have NEVER received any call from them ) I am currently trying to buy a house and this report on my credit is holding up my application, and obviously hurting my good credit.
Consumer complaint received 2016-12-28
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (IL)

I recently closed out a safety deposit box that I had not been in in 32 years. In the box I discovered a Time Deposit issued by XXXX. I have since found out that this bank was acquired by JP Morgan Chase. I went to the local office in XXXX and they could not give me any information and showed no record of having purchased that bank. I verified the purchase through your office and the local library. I then call JP Morgan Chase again and they do not know anything. I have checked the abandoned cash site at the Illinois Secretary of Treasurey website and did not find it there. I would like to know the status of this Time Deposit and where the money went.
Consumer complaint received 2015-12-01
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (DC)

I have been working with Greentree, now Ditech as the second lender on a short sale since XXXX 2015. We received approval from the XXXX lender in XXXX 2015 and this was forwarded to Greentree along with a full short sale package, then resubmitted on XXXX XXXX, 2015. For the next 28 days I have submitted and resubmitted the same documents no less than 3 times with no comments or response to the documents until after my approval from the XXXX lender expired. on XXXX/XXXX/15 we were advised by email that our file was closed because we did not submit the documents that had been requested within 30 days. I have all of my outgoing emails to the nongse email address verifying that all that was requested was submitted and that there were no requests for anything additional or any corrections until XX/XX/XXXX and XX/XX/XXXX at which time we were told that we had 24 hours to return the documents that were being requested. This is a violation of CFPB regulations for loss mitigation servicing and it is the same violations that lead to the national settlement. They have delayed reviewing my file for approximately 5 months and then claim that I did not submit the required documents the day that my approval letter from the XXXX expired. Today I had a manager review the file and all of the documents that had ben requested were there. I then had to go over all of the income statement by statement to show them that the RMA was correct. I do not understand why I was doing their job for them, but in the interest of getting this approved, I took additional time to tell them on what page of the pdf they could find the income statements that match up with the bank statements and also the RMA. The final straw came tonight when I received a counter offer for {$580000.00} for a property that is worth {$430000.00}. the XXXX loan is XXXX so effectively what they have done is countered so that the XXXX and XXXX loans will be paid in full with no basis in actual market value of the property. The comps support an offer of {$430000.00}, we submitted a successful value dispute to XXXX when they countered at {$470000.00} and they agreed the property is worth {$430000.00} and issued their approval. I need help escalating this issue as I believe that this current response is retaliatory for my threat to file a CFPB complaint and the fact that the manager could see that the assigned negotiator failed to do what she was supposed to do so they want the file closed.
Consumer complaint received 2016-11-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

In XXXX, XXXX I submitted a short sale application to Ditech. I was represented by a law firm. I submitted every document that Ditech requested to the law firm in a quick, timely manner. I submitted documentation, to the rep. for a total of 18 months. I had two buyers in a contract to purchase the home for the amount that was requested by Ditech. I am a senior who is facing expensive medical issues many of them are due to the stress that was associated with the long drawn out process of being denied to short sell the property. 
I have been in a financial struggle for two years. In spite of having two loan modifications, it was not feasible for me to keep the property secondary, to expensive maintenance, and high HOA fees. I am retired and have been living on a fixed income for the past 8 years. I had the home on the market in XXXX & XXXX the home appraised at {$310000.00} I have two mortgages on the home. I could have paid the home off prior to the recession and would have satisfied both loans. I retired in XXXX and kept the home for eight years until it became too expensive for me to keep. The same home in the XXXX of where I resides did not lose value during the recession the home built by the identical builder is appraised at {$400000.00} today. This is truly unfair. My home 's value plummeted to {$130000.00} during the recession. The appraised value today is {$160000.00}. 
Ditech, decided to foreclosed on the property on XXXX XXXX XXXX. I was never given a reason as to why the home was foreclosed on. I have an unheard of credit score. I have never paid a bill late or missed one. Ditech did not take my credit score into consideration. I have been treated unfairly by Ditech, for almost two years.There is no justification for not allowing me, a XXXX retired, widowed senior, who served this country for over 40 years as XXXX am a XXXX, my home which I invested my life savings into should have never been foreclosed. Now my credit record is ruined. I have requested a Deed-in-lieu however, I was informed that it is too late for Ditech to stop the foreclosure. Green Tree formerly, Dietch was fined {$63000.00} XXXX dollars in XXXX, XXXX for mistreating customers. They reorganized and changed their name to Ditech and the unfair treatment of customers, continue. I am requesting that CFPB conduct an investigation against these destructive practices that Ditech is employing against innocent American citizens especially seniors. 
Please protect me. 
Respectfully,
Consumer complaint received 2016-08-02
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (PA)

I received a response from account of Amazon Chase and was told that they would recommend reactivating my credit card once it was in good standing. The account is now paid up to date and has yet to be reinstated. I received a letter from XXXX XXXX who stated that the company would be happy to reinstate my card. It has been a month and I have called XXXX XXXX several times and she is always on the phone and wo n't speak with me. I believe that I have been lied to and would like a apology and my account reinstated. Thank you. 
XXXX XXXX
Consumer complaint received 2016-02-02
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (GA)

This is an official complaint against Dietech Financial in conducting an illegal and wrongful foreclosure action on said property on the alleged date of XXXX XXXX, XXXX, in which I believe was backdated to legitimize the sale. During the merger between Ditech Financial, LLC and Greentree Servicing, LLC, there was no effort by the above entities to offer any resolution or modification. Neither party provided me with any remedies or provide any full disclosure of the loan transaction. It is my contention that no sale took place on XXXX XXXX, XXXX. Prior to execution of any Deed Under Power, the law-firm retained by Ditech Financial told me on the telephone that the Sale of my property was cancelled. Besides the failure to provide any remedies or working out any resolution, Dietech and Greentree failed to adhere to CFPB 's new servicing rules : Failure to adhere to rigorous servicing transfer requirements Failure to comply with mortgage servicing rules Failed to engage in efforts to preserve home ownership Failed to address any redress and Grevances Allowed the merger to maintain and sustain consistency with CFPB rules Failed to provide adaquate notice to the homeowner. 
Failed to provide full disclosure to XXXX of the loan transaction and underwriting of the loan I filed a Notice of Rescission pursuant 15 USC 1635.
Consumer complaint received 2016-05-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

Ditech financial purchased my mortgage XX/XX/2016. Ever since then they have not been able to process my payments properly. I have spoken to no less than XXXX representatives including at least XXXX who claim to be managers. I have attempted to sort it out and even worked with XXXX manager named XXXX XXXX to not only update where my payments go but the amount as there was an escrow analysis that resulted in a incrementally bigger payment. Supposedly, everything was sorted. I 've noticed the last month and a half, the updated payment amount is being deducted from my account. However, I am still getting letters that I am past due. I have called Ditech numerous times and have left everyone who left me an extension a message. No one will return my calls. I am doing my best to show my due diligence but Ditech is completely inept in getting this resolved.
Consumer complaint received 2017-02-15
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Innovis (TX)

To Whom it May Concern I am Having a Rhetorical Issue with this Unknown non name Brand Credit Reporting Agency Innovis. I Requested my Credit Report from Innoivis I received it, i Saw things on it that dont wasnt right i then disputed the items online along with a dispute letter Requesting information, The method they use to verify claims on my credit report along with names and numbers of the people they spoke to determine these claims, and i also requested the documents in my file the are using to determine that i own these claims. so i did n't receive any information but i did receive a completed dispute investagtion stating that they were unable to resolve because they dont have Physical proof of these claims they only use a automated verification system to verify claims but Section 609 ( a ) ( 1 ) ( A ) of the Fair Credit Act that you are required by the federal law to verify through physical verification of the original consumer contract. you read the Letter attached that the mail to me for more understanding them admitting to violating my federal rights
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (NY)

I needed to set up online banking, and needed access to my account number from work ( my account statements were at home, and I was locked out of my online banking account. I called Citibank 's customer service line to get my account number and they kept me on hold for 30 minutes before ultimately telling me that they were not permitted to give out that information over the phone and I needed to go to a branch. They were extremely rude and a huge waste of my time!
Consumer complaint received 2016-04-28
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WI)

In XXXX 2016, my mortgage company ( ditech ) completed a new escrow analysis and erroneously entered a duplicate property tax amount of $ XXXX- which in turn caused my escrow estimated payment to nearly double. On XXXX/XXXX/2016, I contacted ditech via phone and brought the error to their attention. The representative confirmed the error and assured me that it would be corrected. From XX/XX/XXXX-XX/XX/XXXX, I continued paying my normal mortgage payment amount. No further correspondence was received until XXXX/XXXX/2016, when I was contacted via phone by a ditech rep. and advised that I was now " delinquent '' on my mortgage payment since the ( inflated ) mortgage payment was not being paid. I was also informed that I was now accumulating " late payment fees ''. I advised the rep. of the incorrect escrow analysis and my prior contact on XX/XX/2016 to which I received a " sorry, there 's nothing we can do '' response. After a lengthy discussion, I was eventually transferred to a customer service representative, who subsequently contacted my local property tax office and confirmed the proper tax amount. Even after she acknowledged that ditech had not only mistakenly duplicated the tax amount, but had also failed to correct it on XXXX/XXXX/2016, and also failed to notify me of the failure to correct it -- I was still told by this customer service representative that I was " responsible for paying the incorrect amount due anyway '' and that " when ( they ) eventually sorted it all out, the difference would be applied to my principal ''. I have since received several additional phone calls, attempting to collect these erroneous escrow and late fees ; threatening that if I do n't pay, my credit could be impacted, etc.. Since purchasing my home, I have always paid my proper mortgage amount, on time. I do n't understand how I can be held responsible for ditech 's ( admitted ) mistake. Please help.
Consumer complaint received 2015-06-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CT)

well I fell behind with my mortage company due to my wife having XXXX sugery andwhile in surgery she had a XXXX and has n't been working for some time approx. 3 years and have applied for a modification mortage company I was behind and the XXXX which gave me a loan for the moneythey paid get me current which I pay them XXXX a month I was doing well and due to decrease in hours I fell into a problem and was tring to work out an modification with green tree and they are changing my loan from XXXX percent to XXXX interest and my mortgage is goingup instead of it going down and they taking me from 24 years to a 40 year mortgageand I ask the gentlemen XXXX at green tree why he stated I already had an hamp loan in which I thought with and hamp loan the percent would only go up about XXXX % after XXXX years I been sent paper work to green trre and they been strong arming me to sign the documents they sent to me by XXXX/XXXX/15 cause that 's the best they can do for me I have sent the paper work to the attorney general office in XXXX to look into this matter further due to them being rude and telling that I have to take this deal or they going to take my home I have all the paper work and there bussines practices really need to be look at with the threats from there customer service rep.
Consumer complaint received 2015-10-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

This Complaint is the direct result of the continued failures of Green Tree/Ditech to rectify a set of errors in the accounting of Account Number XXXX. There have been a number of additional issues with the servicing of this account, dating back to the date which Green Tree/Ditech assumed the servicing of this account XXXX ranging from Green Tree/Ditech refusing to acknowledge permanent modification of the mortgage on said account, which pre-dated Green Tree/Ditech assuming servicing of the account, to being apparently unwilling and/or unable to generate an accurate monthly statement and/or sending it in a timely manner. After more than seven months of communicating back and forth with XXXX XXXX XXXX and the XXXX Department, the issues are currently unresolved, and show no signs of reaching a resolution dealing directly with Green Tree/Ditech. It is to this end that we now turn to the Consumer Financial Protection Bureau and the Federal Trade Commission with the attached formal complaint. The Complaint itself is comprehensive and too large to post in this area. The actual complaint is labeled Exhibit AA. All other attachments are supporting documentation, as listed in the complaint.
Consumer complaint received 2017-03-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: The CMI Group, Inc. (NJ)

I received a letter from " Credit Management , L.P. located at XXXX XXXX XXXX, XXXX, TX XXXX. They say they are collecting this debt for XXXX. The the amount is for {$500.00} for the year 2013. I contacted XXXX and they say they can not go back that far in their records. They also say this is a fraudulent account. I am also a victim of identity theft and I have a file located in the XXXX, NJ Police Department.
Consumer complaint received 2017-02-04
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: The CMI Group, Inc. (TX)

I HAVE A DEBT ON MY CREDIT REPORT FROM CREDIT MANGEMENT FOR XXXX STATING FROM XX/XX/2010 ON BEHALF OF XXXX. I CALLED CREDIT MANAGEMENT, THEY STATED THAT I DID N'T HAVE ANYTHING IN THEIR SYSTEM FOR THAT CREDITOR OR THAT AMOUNT FOR ME, YET THEY WILL NOT REMOVE IT. FROM MY XXXX CREDIT REPORT