davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-05-04
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A. (OH)

I have a Macy 's card. The back of the card states Department Stores National Bank issues the card. My problem started with a collections call in XX/XX/XXXX from Macy 's. They said I owed {$1900.00}. I was shocked because I have n't used my Macy 's card for a few months. I always pay it off and I definitely do n't spend that much with it. I found out in XX/XX/XXXX someone had my address changed on the card and then made charges so I never got a statement or knew those charges were there. After many transferred calls and being put on hold, I finally reached someone who said it would be taken care of and I would n't be getting collections calls nor would it be on my credit report. I pulled my report and there it was. I thought that would be fixed but it was n't. I receive another letter saying I owe {$100.00} instead of the {$1900.00} I do n't recall spending that in that time frame so I call to find out why I still owe {$100.00}. I ca n't get one person to explain this amount. They just say it will be taken care of. Now in XX/XX/XXXX I 'm still getting statements saying I owe {$180.00} because they added late fees. I ca n't get a straight answer from this company and I ca n't see any statements from that time frame to know where they got this {$100.00}. If you look at Macy 's XXXX page you will notice how many people have problems with this company.
Consumer complaint received 2016-02-04
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (FL)

As of my XXXX XXXX, XXXX, billing statement I have incurred a {$26.00} late fee and also interest charge of {$20.00} on my statement for my Citibank thankyou XXXX credit card. I have my account on automatic payments since I received this credit card, and my personal checking account has been debited every month in the amount of {$25.00} on the due date. I also was signed up with a 0 % promotion when I obtained the card in XXXX of XXXX with no interest until XXXX of XXXX. The customer service agent advised that I have incurred interest charges since XXXX XXXX on my account, and I was not notified of this, as I did not receive any e-mails on my account, nor written correspondence in reference to this matter, nor was I contact about this either. I am being billed fraudulently for interest and also billed a late fee. I spoke with Citibank credit card today and was informed that I never was given this promotion, which, is inaccurate and that my payments changed from autopay to recurrent, which, I DID NOT DO AND DID NOT AUTHORIZE TO MY ACCOUNT. I also did not receive any e-mail notifications to my e-mail address about any changes regarding the above issue nor changes to my account. I have paid my balance in full for the amount of {$3400.00}. I was informed by customer service once the account was up to date in payments, I would receive a credit of my late fee and interest charges accrued.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A. (MO)

I had made went to best buy to purchase a computer. The salesman told me that if I signed up for a best buy credit card that I would have the option to either get points back for my purchase or get 12 months interest free. We went with the interest free deal. He then gave the option to get a visa card or a best buy only card. The associate advised us that the visa card could be used anywhere and that it still would be interest free from the date of the purchase. 

This information was misleading. It was n't until a few months after we used the card for a big purchase did we realize that the card was not interest free, but only the first purchase was interest free. When we called customer service and spoke with XXXX XXXX XXXX in idaho, she advised that what someone says verbally is not considered a verbal contract and thus when the terms and conditions were mailed out after the purchase, we should have read that instead of going on what a sales person stated. I stated we should not be mislead to sign up for something that can affect our credit in multiple ways just for signing up.
Consumer complaint received 2016-08-12
Product: Debt collection — Credit card
Issue: Communication tactics — Called outside of 8am-9pm
Company: CITIBANK, N.A. (AL)

I have a Sears Home Improvement card, I have ran into some financial issues. I have sent them e-mails on there web site, I have called on three different occasions to explain my issue all they say is can you borrow from someone, and we are sorry to hear about your situation and will make a note in our system thank you. Not one time did they offer some kind of option to get the account back on track but they say we can offer you lower interest, lower payments none of this comes into play when you are talking to them. Then they call early in the morning and all throughout the day. The last call I took from them the gentleman said for me to call their forbearance department after the XXXX of XXXX, I called and told the gentlemen I wanted the forbearance he states I can help you, what ends up happening, I am sorry to hear about your situation I will make a note in the computer. Afterwards a day later here they come with the early morning calls totally harassing me and my family. Sears is not trying to work with me at all to find a good solution with this matter. Plus the cabinet refacing is a joke they claimed it was a lifetime warranty but its not. They salesman told me and my wife it was lifetime warranty parts and labor false practice to make a sale. I really hate I ever dealt with sears. After they had to come out two times to make repairs on the refacing work the third time all of a sudden no lifetime warranty false advertising. I have had it with sears and their tactics. The company is taking advantage of consumers, and something needs to be done. I advise anyone not to deal with sears and their cabinet refacing.
Consumer complaint received 2016-07-23
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (OR)

On XXXX/XXXX/16 I went to XXXX Macy 's Store, I went about my business shopping and being the frugal shopper I was checking out the sales. I approached the associate to pay my bill when to my surprise she said your account is close, I said you got to be kidding me. With the upset look on my face the senior agent next to her said to call their CSR. She was told that my account was closed because I did not pay XXXX, she put me on the phone with the csr agent, and she said a statement was sent, I told her I never saw one nor a phone was made to me. 

I was told to restore my account I have to pay this, which I did, but due to this they have reduce my credit line from XXXX to XXXX all because of XXXX. Now I am a very good paying customer. 

However from XXXX I have just received the statement she reprinted and mail. 
The purchases I made that day was {$100.00}, which I paid. Then I saw a watch for about {$60.00} on sale andI bought it. However I had to return some of the clothing due to fitting reason, which will take care of some of the charges on the watch, and then I paid the difference of {$11.00}. 

However when I logged onto my macy account TODAY XXXX/XXXX/16, they had the nerve to charge me {$2.00} in interest, ****it is not over a month and they added interest*****. 

However I called their billing department to complained and the agent was will waive the {$2.00}, principle matters to me, if Macy have their system to cheat and nickel and dime their customer that is ****NOT RIGHT*****. 

If you do a search with my purchases at macy, you will see all payment made on time and in big chunks of funds. 

What I want to see ****is my credit line restored back to where is was*****. 

All this for XXXX, also I am considering in closing my revolving account with them, if they do not take responsibility of how I was treated.
Consumer complaint received 2015-11-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (PA)

I feel that Ditech is discriminating against me based on the type of loan I qualify for by offering bi-weekly payments to some borrowers but not to others. By them not allowing me to make bi-weekly payments on my loan based soley on the type of loan I was able to qualify for it significantly impacts my financial ability to pay my loan off as quickly as other borrowers who have better qualifications. I spoke with XXXX, employee # XXXX at Ditech who refused to allow me to pay my loan bi-weekly because of the type of loan I qualified for.
Consumer complaint received 2015-11-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: First Data Corporation (GA)

I have a Health Savings Account ( HSA ) with a local bank. Sometime early in the year the bank was sold to another regional bank. I had always paid for my prescription drugs with a check from the Health Savings Account. Since the change to the new bank XXXX of the local drug stores - XXXX and XXXX will now not accept my check from my HSA. At issue is Tele-Check Services which both of them use to validate checks. I talked with the agent from Tele-Check who said that they did not accept checks from HSA accounts. I have used an HSA account for over 5 years before writing checks for prescriptions, doctor visits, etc. Once my bank was bought they returned a few checks and I paid both since they were written on the previous bank check. The bank said that is no issue because they still honored the old check and the account or bank routing had not changed. I am mystified why these drug stores would use a check validation system that is so clueless about HSA accounts. TeleCheck even tried to say it was a XXXX drug company problem. I knew that was not true because they denied it at XXXX also. I am responsible for funding my own HSA so I ended up having to put the cost of medicine ( not cheap ) on my personal credit card which defeats the purpose of having a tax free HSA.
Consumer complaint received 2016-08-27
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (PA)

We have been with Ditech for a couple of years. In XX/XX/XXXX, we submitted papers to loss mitigation to lower our payment. We then found out certain documents were missing. We then resubmitted in XX/XX/XXXX. Every time we would speak with a different representative, then get different information. We would submit a document they needed then not hear from them, then I would call to make sure everything was fine then they would need something else. It is now XXXX XXXX, 2016 and I can not get a representative on the phone. We have called for two weeks and when I say representative it switches to that extension then says I have read an invalid number. So I have sent three emails to ditech explaining I cant get a person on the phone so that I can ensure my paper work is fine. Their response is to call the same XXXX number. Which I in turn do and still the same recording occurs. I have also called the department of ditech that is taking loans so that I could speak with a live person- after speaking with them they switch me to correct department and the same thing happens ... .you have reached an invalid extension. No one from the company calls my house, cell phone or work. I can not reach a person to speak with about my account. It is the most bizarre experience I have ever had. Plaese help!
Consumer complaint received 2019-10-20
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Grant & Weber (CA)

This collection agency is in violation of FCRA 1681s-2 for fraudulent reporting to credit reporting agencies of a debt I do not owe. 

This collection agency is also in violation of the Fair Debt Collection Practices Act ( FDCPA ), formally known as and codified under 15 USCA 1692 ( a-p ) as they failed to provide me with the following information : 1 ) Collection notice about the debt ; 2 ) Proof that I owe this debt ; 3 ) How this amount has been calculated in a way I can understand ; 4 ) Copies of papers or documents where I agreed to pay what you say I owe ; 5 ) Proof that they are licensed in CA, and failed to provide license number  to me.
Consumer complaint received 2015-09-26
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ECMC GROUP, INC. (CA)

I received a call from ECMC on XXXX XXXX, 2015. I missed the initial call, and called them back a few hours later. When I got a hold of the agent who called me she began asking me for information about my mother. When I asked what the call was about she would not tell me. I expressed concern about giving her information with such a vague idea of who they were. The agent told me that my mother had listed me as a reference, and had given them permission to call me if they could not get a hold of her. I declined to answer the agent 's questions and asked her not to call me again. 

I called my wife later and she had received a call from the same agent. Similarly, the agent had told her she had been listed as a reference by my mother, and tried to use that to get my wife to give her information. I thought it was extremely unlikely that my wife had been listed as a reference, as my mother hardly knew my wife ( who I was my girlfriend at the time ) when she took out the loan. I called my mother, and she confirmed that she had never listed either of us as references. The agent had lied to us in an attempt to persuade us to give her information. 

I called ECMC back and asked to speak with a manager. The manager confirmed that the agent had used an internet lookup to find our phone numbers. I told them how concerning it was that their agent had lied to us. The manager assured me that they would take care of the matter. I received a message later that day letting me know they had resolved the issue by adding my phone number to their do-not-call list. 

I recorded both of the phone calls ( with the agent and with the manager ). ECMC has a warning saying their phone calls are recorded and there was no expectation of privacy.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

Living in the area of XXXX that flooded, our home took on over 3 feet of water. We lost everything as we also had sewage backup into the house. Due to the large amount of devastation in our area and the fact that we had to vacate the home it took awhile to get our insurance company to inspect the damage. Once we received a check from them we sent the check to Ditech our Mortgage company. Since we are capable of doing the repairs ourselves we asked them to return the overage of approximately {$35000.00} to us. They received the check ( overnight mail ) on XX/XX/XXXX with a letter asking for them to pay off the account. 
I was told on one of the calls that it would take about XXXX working days for this to be done. As of today, 3 weeks later, nothing has been done with the check. I have called numerous times and each time I am given the run around with no real resolution although the people I talk to want to assure me they are doing the best they can. Today I was told the pay off check will be mailed from XXXX to their pay off center in XXXX. tomorrow. 
Why was n't this done 3 weeks ago? If it takes them another 30 days to release funds to us ( which they inform us is possible ) that means we will be out of our home for over 4 months before we can begin repairs so that we can even move back in. The least I expect out of any company is to meet the needs of the customers especially in situations such as what the majority of our neighbors are dealing with. The fact that they have had the check for 3 weeks and nothing has moved forward with it is beyond excuse! We are in great need of a quicker resolution which Ditech does not seem to understand the urgency of our situation. We currently have XXXX people, XXXX adults and XXXX children living in a XXXX bedroom, XXXX bath apartment as this was the only living situation we could find. 
We would greatly appreciate help in getting a quicker resolution to this. Ditech being very vague in giving us a time frame of anything less then 30 days is not helping the mental frame of XXXX lives. 
If you need more information I will gladly assist. 
XXXX and XXXX XXXX, XXXX XXXX XXXX
Consumer complaint received 2016-06-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

I just received a phone call from Ditech mortgage stating that my payment has changed. It had been increase for over $ 250+ since XXXX of 2015. They admit they did n't send a letter stating the increase, they explained to me that this was not required. Now I am behind and need to come up with {$1500.00} to come current and pay the new {$1600.00} mortgage payment. This was an increase of 1 % last year and then another 1 % this year without notification of any kind. I explained to them that notification was never received at our residence for this mortgage increase, they explained that they did not have to send a payment increase notification. It had increased 18 months prior and the payments that were made by me were current every month, but short since the payment has increased. 18 months later we get call stating the payment has increase to {$1600.00} and we are behind an additional {$1500.00}. This was the first call we received from anyone at Ditech or Greentree ( the previous lien holder ) on any thing to do with my mortgage. They were very forceful and abrasive with their tactics of revenue recovery. 

Ditech XXXX, AZ Office supervisor XXXX XXXX
Consumer complaint received 2016-01-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (MD)

3 years ago I was unemployed and could n't continue paying my mortgage. I asked the bank for assistance at the time it was Green Tree. They approved me for a loan modification in XXXX 2015. I gave my bank information for all three trial period payments to be automatically withdrawn. I was told to call back XX/XX/2015 if I had n't received the final loan modification agreement. I called and instead of a final loan modification agreement I was notified that they had n't processed any of the payments and my case had been closed. They did internal investigation and determined it had been a mistake on their side and told me to submit the application again. The bank then became Ditech and everything was a disaster after that. I got a letter dated XXXX XXXX, 2015 stating they had a complete package and the file was under review awaiting a decision. 2 weeks later I called to find out why it was taking so long to make a decision, to my horror I was told that my property had been sold on XXXX XXXX, 2015 and that for that reason they had to close the loan modification case. I was NEVER notified of any foreclosure proceedings and EVEN LESS of any sale date. I have called so many times and keep being transferred from department to department and no one can explain how the property was sold without them knowing or notifying me. On XXXX XXXX I called again and was told from now on I need to contact Fannie Mae instead. I did and was told they will start an investigation but representative basically told me to just ask the listing agent they have assigned to my property to beg her for cash for keys. I do n't want to do that. I have been trying for years to reach an agreement with the bank so I can bring my loan up to date and keep being denied even though I know for a fact I qualify for a loan modification. Please help me. I do n't know what else to do. They just refuse to help me and XXXX knows I did not default on my loan because of negligence on my part. I am a father and my children will be homeless in this cold winter if they refuse to help.
Consumer complaint received 2015-10-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

Paid off my mortgage on XXXX XXXX 2015. Contacted customer service weeks ago inquiring about the PAID IN FULL LETTER and was told it was sent out weeks ago. Continued to call customer service a week ago and this time was told THERE IS NO INDICATION IN MY ACCOUNT RECORDS THAT THE LETTER WAS EVER SENT OUT. Called again this past Wednesday and this time was told by the supervisor that she would email it to me, but first she asked me WHY DO I NEED IT. All we want is the PAID IN FULL LETTER AND instructions on how do we obtain the DEED to the house. Have asked customer service about this but they are unwilling to answer my questions.
Consumer complaint received 2016-11-15
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I have been receiving help from the HARP program starting 5 years ago. Each year on or about XXXX XXXX, I have received a {$1000.00} on time incentive bonus but not this year. On my Ditech statement the bonus would be tracked in a line item called " Incentive Accrual Balance ''. On my XXXX/XXXX/2016 Ditech statement the balance showed {$910.00}. On my XXXX/XXXX/2016 Ditech statement, I had expected the incentive bonus to have reached {$1000.00} and to have been credited to my Principal Balance. The payment was not credited to my principal and the " Incentive Accrual Balance '' was no longer listed on my statement. I have called the U.S Treasury several times but the lines has been busy. I have called back but with no success. I have called Ditech several times over the past month and their excuse is they have not gotten the money from the U.S Treasury. Could you please help me find out why this year {$1000.00} incentive bonus has not been credit to my account? 
There is a second item I would like you to look into. After the first five years receiving {$1000.00} per year ( have not received the fifth year yet ) in the six year of the program I am to receive a XXXX incentive bonus. The sixth year 's incentive bonus is not being track on my statement as the {$1000.00} was. What 's up with that? 
This last question is for me to have a better understanding of how the U.S Treasury sends out the incentive payments. Does the U.S Treasury send out a lump sum to the mortgage holder like Ditech or is the money sent out monthly? Ditech tells me it is a lump sum but on my statement it is tracked on a monthly basis. This is the reason they have given me as to why the {$1000.00} has not been credited to my account, they have not received the money. 
My Ditech loan number is XXXX.
Consumer complaint received 2015-12-22
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: GVA Holdings, LLC (OK)

I took a {$500.00} loan out with Northcash in XXXX 2015. I originally set up payments that would take longer to payoff but decided that I wanted to change to the shorter term. When I called them approximately 2 weeks later to change it, I was told I could not change it therefore I have already paid {$1900.00} on a {$500.00} loan. They take {$130.00} every 2 weeks. I want them to close my acct and consider it paid in full since I tried to have my terms shortened and they refused ....