davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (CA)

I tried to add my son on my home depot card as an authorized user. The customer service department sent me to the fraud department I said no problem. Had the card for almost 3 years and it is paid off, no activity but i guess i sounded XXXX on the phone. they told me to go to the store and show my identification and bring XXXX forms of ID. I said OK, I went to the store and confirmed everything. They put me on hold they then said thats not good enough, we need you to fax a copy of your ID and Social Security card and a utility bill. More harassment. Being harassed on an account that has been open over 2 years with no actual fraud. Fraud is the code word for discrimination.
Consumer complaint received 2017-02-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

On XXXX XXXX, 2016 I opened the Citibank account online under promotion of {$400.00} cash bonus. The promotion stated that within 30 days from the date I opened the new checking account, deposit {$15000.00} or more in new-to-Citibank funds into your new checking account then I can get {$400.00} cash bonus after 90 days. 
The Offer code was XXXX As of today, it 's been over 90 days period and I still have not received my cash bonus as promised by Citibank
Consumer complaint received 2016-11-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (TX)

I opened a new Citi Checking account in XXXX 2016 with a promotion code to get {$400.00} bonus if I deposit {$15000.00} into the account and maintain it for 30 days. This was promotion code XXXX. 

As can be seen by the secure messages sent from representatives of Citi, I was qualified for the promotion and it was on my account. After waiting many weeks for replies, I was told that I was denied for the bonus. All qualifications for this account were met, and Citi is trying to deceive their customers by bait and switch.
Consumer complaint received 2016-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I received my regular invoice from my mortgage company in XXXX and it had the normal totals. In XXXX, I was sent an invoice that shows that I owe {$9600.00}. Five days later I received another statement for XXXX shows that I 'm even more severely behind without making any payments since at least XXXX of this year ( which is untrue ), and I owe {$13000.00}. I have not missed any payments, and I 've called my mortgage company unable to get anyone to answer after XXXX minutes of holding almost each time. I emailed them and was given a response that they would mail an update to me which I have yet to receive. I followed up with that email, and they will not respond to me. They give you an extension for your account representative, and the extension does not work. This is not the first time that I 've found that they have unscrupulous accounting practices, however I desperately need assistance to get this resolved quickly.
Consumer complaint received 2016-12-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MD)

Back around XXXX I received a letter or notice stating my mortgage was past due by about 3 months. I did n't agree so I called and explained the situation. I was given a fax number to fax all supporting documentation over to and I sent it over several times, finally getting a designated representative to help me. XXXX payment was adjusted and corrected to my account, but XXXX was still showing one more month past due then my records showed. Just as the rep was doing the research and helping me get to the bottom of it, my mortgage was sold to Ditech in XXXX of XXXX. Since then, I have called and repeatedly faxed all the documentation and explanation to Ditech but no one calls to help me. They send me letters showing a payment history since XXXX of XXXX, which is when Ditech took over. This issue goes back much farther back into XXXX. I just got a foreclosure notice saying I owe {$7000.00} and that is not correct. They gave me til XXXX/XXXX/XXXX.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRA 's. On XX/XX/2019, I mailed Equifax, XXXX  and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Consumer complaint received 2016-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

My Mortgage was bought by Green Tree which Changed their name to Di Tech. Due to A XXXX issue with my daughter I was trying Get my interest rate reduced it is at 7.036 % I was sent a letter and told to not pay XXXX payments to Qualify for XXXX or XXXX program. All Documentation has been sent they keep Stalling. No answers and now they are threatening Forclosure. They are many complaints on /line of The same issues. I sent everything by fax and Certified mail. Still say they have not received All documents. I have proof they have it. Please Help me before I loose my home!
Consumer complaint received 2023-02-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA (AE)

During XX/XX/XXXX the company reported my account as a late payment which is affecting my XXXX XXXX. During that time the company approved me into the program for hardship during XXXX. The company did not follow the XXXX act and still reported my account as past due. I called before and had told me they would remove due to it being incorrectly reported. The company refuse to remove the late payment stated they sent me letters saying I wasn't approved which is not accurate. i am asking them to comply with the XXXX act to have the late payment removed for XX/XX/XXXX.
Consumer complaint received 2016-05-03
Product: Credit card — 
Issue: Arbitration — 
Company: JPMORGAN CHASE & CO. (IN)

On XXXX XXXX 2015 we ordered a hoover board through Amazon. Several weeks later Amazon sent a email pertaining to the safety of the boards and at that time we attempted to stop the shipment. As it was already in transit, they could n't stop it. When it was delivered by XXXX we refused the shipment and the same tracking number was used to send it back. Last known location was XXXX. We notified Chase who handles Amazon.com rewards Visa to have the charge removed from the card. We are now in a battle between Amazon and Chase as to who is responsible to make good on the return. 
The third party, XXXX out of XXXX XXXX acknowledged that the item was in transit to them but has refused to acknowledge that it was received. 
As it stands now, Chase is saying that we will have to pay the {$270.00} and Amazon is saying its not their problem. At this time, we have not paid the credit card bill. 
Any help you can give us would be greatly appreciated. 
XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX XXXX XXXX email : XXXXXXXXXXXX
Consumer complaint received 2016-05-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (CA)

we tried to open a account at chase jp morgan mountain view california. they opened the account and then wanted to close the account. i gave them a coupon to get $ XXXX/- for a sign on bonus. 
We asked them the reason and they suggested some corporate fraud in 2005 in a corporarate account in washing mutual and now a closed bank. for the record we have never borrowed money from this bank or ever enjoyed any kind of credit or special facility ever. moreover for the period in question we were out of the country. 
In any case they closed my account and sent me a {$30.00} check. When i presented this check at wells fargo it was dishonored. 
now they claim i owe them $ XXXX/- they have reported me so i can not opoen a acount with any other bank. strange. 
i conclusively state i owe them no money. nor have i ever committed any fraud or knowingly defaulted on anything. further my XXXX report and credit report is clean. 
this is a clear case of mistaken identity. in any case the amount in question is too small for any material benefit to anybody. 
i want the bank fined for harassment. i want my current matter and past washington mutual matter resolved
Consumer complaint received 2016-09-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (FL)

By way of this notice, I want to provide my complaints about Chase Bank USA , N.A . and JPMorgan Chase Bank , N.A . ( collectively, " Chase '' ). 
Chase hires and routinely deals with unscrupulous appraisers that are providing low ball appraisal figures on consumers homes in order to benefit themselves. Specifically, they used XXXX XXXX, XXXX who appears to have subcontracted XXXX. The consumer spoke to XXXX XXXX XXXX. His appraiser I.D . is XXXX. He holds the opinion that Chase would not send him any work unless he provided the most conservative figures when appraising homes. Chase also delayed in its process to close on my refinance deal after its appraiser was placed on the watch list. During the period of delays Chase unjustly enriched themselves by charging the consumer higher rates of interest with respect to a line of credit that turned into an arm. Chase came up with various excuses for delaying the refinance deal ranging from not being able to IRS transcripts on time, appraisal expired, and finally now the truth which is that Chase could not get their investors to accept its hired appraisers ' work. XXXX XXXX XXXX ( Chase Processor ) and XXXX XXXX XXXX ( Chase Supervisor ) repeatedly failed to answer phone calls and emails, and left this consumer in the dark. We repeatedly spoke to XXXX XXXX XXXX and learned that XXXX XXXX XXXX was mis-informing us. In fact, it was quite normal for XXXX Chase employee to routinely contradict what the other was saying.During the past several months while in this process Chase has been unjustly enriched itself by delaying the approval of my refinance loan while profiting off the additional interests its charging on the existing line of credit while failing to approve our refinance deal. We have hundreds of emails and Chase statements to confirm the abovementioned. The only Chase employee who has remained truthful during this entire process is XXXX XXXX XXXX.
Consumer complaint received 2016-10-26
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: JPMORGAN CHASE & CO. (CO)

I received a credit card from Chase Bank with a {$33000.00} credit limit which I did not apply for. I have never been a client of Chase as I am employed by a competitor bank. I called Chase and they told me a fraud XXXX would be contacting me and that they would delete the card. That was XXXX weeks ago and I have not heard anything back from them.
Consumer complaint received 2016-09-29
Product: Credit card — 
Issue: APR or interest rate — 
Company: JPMORGAN CHASE & CO. (NY)

On XXXX/XXXX/16 JPMorgan Chase closed the credit card account because I refuse their threats, and posted on social media their attitude, on same date and on XXXX/XXXX/16 I emailed and asked to be sent a final settlement. 
See : XXXX XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX and XXXX more ... 

Message body Chase Credit Services. 

You are hereby being notified that you have either option. 

You can settle the account now and I will make payment in full on the amount agreed. 

However, JpMorgan refuses to issue a final statement, just to collect residual interest. I have asked for a final bill and their refusal nothing but greed. 
The Security & Exchange Comm and XXXX clearly said that XXXX XXXX XXXX will be in violation of securities laws if she closes my kids accounts, all penalties for closing C type shares should be borne by Chase.
Consumer complaint received 2016-11-14
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CO)

Basically Chase Bank and Credit card added a fee of {$79.00} per year to our CC which they paid their afilliate Prestige Card Services of XXXX, XXXX, FL XXXX, This deduction from our Credit Card account {$79.00} per year since XXXX to XXXX for some travel benefits, which we did not order in any way. We were travel agents at the time and received all these benefits free. We never in the 12 years received any information about the card or the services available. We never used the services., How did we find out about this issue after all these years. We received a post card copy XXXX XXXX XXXX, asking us if we wished to renew our membership for another year at {$79.00}. This is tye first time we received any information about this service. 
We called the number on the card XXXX on the XX/XX/XXXX and at XXXX the same day we called XXXX and spoke to a person ( XXXX ) who claimed to be the calling service for Prestige Card Services. After some discussion she told us we had paid for the service since XX/XX/XXXX. This is 12 years at $ XXXX a total of {$940.00} We asked for some proof that we ordered this service. She said it was on file and she would make a note to have the company call us on Monday XX/XX/XXXX. No call received We asked for a full refund as we did not request nor commit for this service. She took a phone break and came back offering us a refund for XXXX years. 
I asked who she was because calling services have no authority to give refunds. The agent was flustered took several short breaks to talk to someone, and stated someone would call us back on Monday and straighten this all out. No one ever did call. 
We googled XXXX and was amazed of how this company an afilliate of Chase can operate in this Fraudulent manner.
Consumer complaint received 2016-09-22
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (NY)

At the end of 2015 I had chase ink, sapphire and freedom cards opened. I decided that I did not need the ink and sapphire cards open anymore so I decided to close them. After speaking to a chase representative I was told that as long as I keep my freedom card open I would be able to retain the rewards points from the ink and sapphire cards. I saw the rewards points still in my account a few months ago, but I just checked again and they are no longer there. I read online that I was really supposed to transfer the points to the freedom card as opposed to just keeping them in my account. I was never told this by the chase representative when I closed my account. We are talking about XXXX points which I have lost and would like to do whatever I can to recover those points.
Consumer complaint received 2020-10-06
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (CA)

Dear US Bank, I am a victim of Identity theft and my home mortgage is serviced with US Bank. I've paid my mortgage on time every month. I have great/excellent credit. I am very concerned I have not heard from the bank regarding this matter since my checking account ( from US Bank - checking fraud ) was linked to my mortgage account. We would like to hear back from you regarding our Mortgage. I understand fraud can occur with checking accounts etc however, I would still appreciate if the bank would follow-up with a written letter explaining how you will assist to ensure my mortgage with US Bank is still indeed safe and secure. I would like to partner with you. I called your Home Mortgage Department today, XX/XX/2020 and I spoke with 2 individuals - I was on an extended hold and they did not have a clear process in place. The customer representative dismissed my concerns of recent checking account fraud. He rambled on about work orders and escrow checks and other matters. I requested if I could please be transferred to fraud or if he had the fraud department 's phone number, he did not provide the information. He said he was based in CA and had access to the last four digits of my social and my home address, the individuals on the mortgage account and that it was " mostly '' public record. He was basically all over the place. " That if it was fraud, the bank would pay it off, I had nothing to worry about. " These words concerned me deeply. Thank you.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (MD)

I filed a complain against Chase Mortgage on XX/XX/XXXX. Before I filed the complain I contacted them approximately one week before. I began getting disturbing letter from them. Attached are some of the letters. I feel that they are harrassing me because of the complaint. I have never gotten any letters like this before from Chase Mortgage before. I did not ask them to sell my house I never asked them for a loan. I do not know anything about a short sale. I did not call them in regards to anything remoting pertaining to that. I was called by XXXX XXXX XXXX XX/XX/XXXX the evening of my complaint and she asked me questions about the situation and I responded to them she told me that she will get back with me on XX/XX/XXXX but she did not call me back. I received a call from her XX/XX/XXXX, she told me that she found documentation to show that chase paid off a {$19000.00} credit card loan for me in XX/XX/XXXX. I told her that did not happen and I have never ran up a credit card for that amount of money in my life and that I only have XXXX credit card. She said that I may have forgotten that I did and I may want to pull my credit report because it shows that on my credit report. She told me to call my bank the XXXX XXXX credit union because my credit report shows the pay off. I told her it was impossible and I have never put that much credit on my credit card in my life. She continued to insist that I did it and can not remember I felt that she was forcing me to admit to something that I did not do. I am not sure why she pulled my credit report because I did not give Chase permission or authorize them to do. I asked her to fax a copy of the documentation that she discovered but she refused to do so and told me that she had no way of faxing or e-mail ing this information to me and she would send it in the mail to consumer protection. I am very concerning about this kind of behavior especially having my mortgage loan with Chase. What type of people are they giving access to my information? She kept asking me if I had documentation for the loan and I kept telling her no otherwise I would not have called them. This harassment must stop.
Consumer complaint received 2016-04-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (NY)

I was preapproved on XXXX XXXX, 2016 for a mortgage by Chase. It was based on the credit bureau in hand and the information I gave on the credit application data being verified as well as an appraisal being performed. I was declined on XXXX XXXX, 2016 NOT because Chase could not verify data or because of a bad appraisal but based on credit bureau information in hand 80 days before denial. I put in a complaint and I was called by " Chase XXXX '' in XXXX, OH. They could not find me in the system ...
Consumer complaint received 2015-12-08
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: Incomm Holdings Inc. (TX)

I purchased XXXX XXXX XXXX card ( issed by incomm, XXXX ) for XXXX with {$500.00} each. They just freeze my money for no reason ( the rep told me that it is a random check ), and ask me to provide additional information to unfreeze my money.
Consumer complaint received 2016-10-22
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northland Group Inc (AZ)

This is a complaint from XXXX XXXX against Northland Group for Northland 's failure to provide requested information for the debt alleged. Consumer, XXXX, received a demand letter from creditor, XXXX. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt XXXX ; and g. Any other documentation which tends to show validity. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of XXXX XXXX, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
Consumer complaint received 2016-08-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NC)

I was a loan modification process with BSI mortgage co., therefore they would not accept any payments and kept reporting me as " late payment '' and now " delinquent '' which is not a fair statement. How can I be late or delinquent when they wont accept a payment and then turn around and report this to XXXX and XXXX as a true statement? ( thank you for correcting this error from XXXX ) that is a fraudulent statement!! THEY ALSO SHOW " FORECLOSURE '' - I sold my home in the midst of this process. Never once was I informed with any paperwork or verbal conversation that I was in " foreclosure! ". I sold my home on XXXX/XXXX/16. BSI is has reported to credit bureaus as " foreclosure '' and just as recently on XXXX/XXXX/16 a missed payment??? I have tried numerous times to contact them and I never get a response!! BSI is damaging my credit and it needs to be removed immediately. I can support my situation with the letter I begged to receive from BSI showing PAID IN FULL. Please help!! 
Thank you!!