davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (WA)

Ditech has been sending past due notices for almost 2 years, I have provided them with nearly 3 years worth of cancelled checks that prove ALL mortgage payments have been made in full every month. When I call, the representative tells me that yes, they have copies of all the checks and they can see that all payments have been made, and then they forward everything to the accounting department and tell me it will get straightened out and I will receive a letter. Then I receive another notice stating I owe 2 months! This has happened at least 4 times, and I have been dealing with this for almost 2 years. On XXXX/XXXX/16 I spoke with XXXX representatives ( XXXX in XXXX XXXX, we were disconnected during the call ) and XXXX in Missouri when I called back. I told her that I no longer believe anything different will happen when she told me " Yes, I see all the cancelled checks and I will forward this with an email to accounting to get it fixed '' and asked how I can get a face to face meeting with someone who can actually resolve the issue - all she could do was say she is sorry and can forward everything to accounting. I have XXXX loans with the exact same scenario, so I will submit this exact issue under each account number. I would like to note with this loan that on XXXX/XXXX/16 " XXXX '' stated the balance due for XXXX was {$140.00} because the loan payment went up in XXXX 2016. I was so elated that I paid the {$140.00} ( confirmation # XXXX ) and believed my struggle was finally over with this loan. But then on XXXX/XXXX/16 XXXX called and said that I still owed {$15.00} and then the monthly loan payment would be paid in full though XXXX/XXXX/16 with {$900.00} due on XXXX/XXXX/16 - so I sent a check for {$15.00} ( which cleared on XXXX/XXXX/16 ) and I paid {$900.00} for XX/XX/XXXX ( cleared XXXX/XXXX/16 ). Then on XXXX/XXXX/16 I received a statement that said {$1700.00} was due as of XXXX/XXXX/2016!!!!! And then I realized that the Escrow analysis dated XXXX/XXXX/16 ( received AFTER XXXX 's phone call ) states the loan payment is to rise from {$880.00} to {$880.00} as of XXXX/XXXX/16 so where did the {$15.00} increase XXXX quoted on XXXX/XXXX/16 come from?
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (AZ)

I am writing in response to Ditech Financial LLC 's recent initiated foreclosure action against me. 

This is a rather shocking revelation since I am current on all monthly mortgage payments. After conducting an extensive audit of all mortgage payments to Ditech in XXXX, it was revealed that Ditech was overpaid {$2500.00}. Numerous, certified USPS correspondence mail was sent to Ditech detailing the payment history as well as identifying the overpayment. There was no answer by Ditech. On XXXX XXXX, XXXX, and again on XXXX XXXX, XXXX, Ditech was sent Qualified Written Requests in order to conduct an audit of their records. To date, Ditech has not responded, violating their legal obligation under the Real Estate Settlement Procedures Act ( RESPA ). Accordingly, I seek the remedies afforded me under RESPA in the amount of {$2800.00}. 

This is not the only transgression by Ditech. Throughout XXXX & XXXX Ditech has been : Misapplying my mortgage payments to the wrong account. 
Failing to renew my Homeowners Insurance on the property and instead initiating a " forced-place '' policy that only paid the balance on the mortgage and did nothing towards replacement of the dwelling or other personal property destroyed or damaged. Such activity violates state and federal laws, including the XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. XXXX A recent case against XXXX XXXX XXXX and its mortgage servicing agent, XXXX XXXX XXXX, resulting in a large settlement for the plaintiffs. For reference, this case is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX Florida, No XXXX. 
Charging late fees even though I am current on mortgage payments. 
Engaging in coercive collection practices and falsely claiming that certain amounts are due. 
I am in possession of the evidence to prove all of the aforementioned claims.
Consumer complaint received 2016-05-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: 4M Collections, LLC (CA)

XXXX companies reporting same information on credit report, entered into a payment agreement with XXXX Ca. on XXXX/XXXX/2016. They are accepting my credit card payments directly to them, therefor discovery financial has no right to report same information.
Consumer complaint received 2017-01-31
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PDQ Services, Inc. (GA)

I went to see XXXX XXXX XXXX XXXX in 2013, to get XXXX, on my first visit was the XXXX exam and how much my XXXX would cost me per XXXX. I give them my XXXX insurance card and a voucher of {$120.00} for my XXXX or XXXX. I was told that my exam was {$120.00}, I let the lady at the front desk know she can use my {$120.00} voucher to pay for the exam and XXXX will take care of the remaining balance. I told the doctor I would have to come back for my XXXX, do to money problems. The doctor told me to use the XXXX trials for two weeks to see if I would be happy with them. Once my two week was up, I went back to order the XXXX that 's when I was told I had a outstanding balance. Of which I never received any XXXX nor XXXX from them, I only received an exam.
Consumer complaint received 2015-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (CA)

I requested a loan modification from Green Tree XXXX GT ), which was processed in 2014. As a result, my interest was lowered, which helped a lot. But for some reason, GT increased my principle on XXXX XXXX, 2014 by XXXX amounts, {$8900.00} and {$1800.00}, a total of {$10000.00} XXXX Attachment XXXX ). I requested an explanation and GT sent some accounting statement which did not make sense to either myself or my modification officer. After numerous calls, GT is not giving any good explanation to those amounts. XXXX explanation I heard was my unpaid mortgage ( I believe I missed three months of {$1600.00} and the other three months were trial payments ( Attachment XXXX ( a, b, c, d ) ). This explanation does not make sense : a ) the amount unpaid is less than half the amount which was added to the principle ; b XXXX part of any mortgage payment is to payoff the principle, why would that also be added to the principle ( instead of reducing it ) ; c XXXX is it even legal to do so? I also had no lapse in property insurance coverage ( Attachment XXXX ).
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

My wife and I bought a second home in XXXX with XXXX. 
We filed for Chapter XXXX Bankruptcy in XXXX, but this mortgage was not included. So, we continued to make the payments every month even though this loan had changed hands several times. In XXXX of XXXX, our Chapter XXXX bankruptcy was discharged. Since XXXX of XXXX I have been calling them to see about receiving a regular statement, i.e. showing the principal, escrow, and interest payments, etc. 
I have been calling them at least once a month upon receiving thier statement that does not include any " real '' information. They have told me that there were unapplied funds, that I did not have to make a payment, that they were working on reconciling my account. This month I recieved a " statement '' showing : my payment, an escrow disbursement, and XXXX payment reversals dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I wonder if my payments have gotten mismanaged or who knows?
Consumer complaint received 2015-09-28
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OR)

i made large payments of {$19000.00} and {$120000.00} that were clearly marked as principle only payments. The payments have been misapplied, the new payment has not been adjusted to the correct amount of interest due - instead the company has precharged interest using the larger principle balance that has been reduced. The company has refused to act quickly to resolve the issue. The company ditech has recently within the last 30 days taken over this mortgage from Greentree my previous mortgage company. I need help getting this quickly resolved and penalize the actions of the mortgage company.
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (NY)

I used my chase/visa card to purchase close to {$50000.00} in merchandise for a company called XXXX. The site is no longer functioning, I can no longer log in, costumer service email and number are no longer being monitored, and I have no means to reaching anyone at the company. I filed a chargeback with Chase but it 's been a nightmare. They are unwilling to help me and it appears there dispute department is outsourced. Its been 45 days and I have not been helped one bit. I mailed a XXXX page document of everything I was owed but I received a letter saying my chargebacks were denied. I dont know what else to do and can not understand why they are not protecting me from companies like XXXX. There are other people who are in the same situation as me, XXXX, and they have already been refunded. Chase is just unwilling to help.
Consumer complaint received 2017-01-09
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (MA)

I recently applied for a Chase XXXX XXXX card. In the contract, Chase stipulated that if a certain amount of money is spent within the first 90 days after account opening, then there will be a reward. This reward is XXXX of the primary factors that convinced me to apply for this card. 

However, what Chase does n't say is that " account opening '' means " the instant you are approved for the credit card ''. The 90 days begins ticking immediately, despite the fact that they have n't even sent a copy of my contract, the credit card, and I have no way to spend money. How is my account open if I do n't have a card or a number, and I ca n't spend money? 

I would argue that Chase should clarify in its contract that " account opening '' is actually " credit card approval '' and extend the rewards deadline until the date that the credit card is received in the mail or activated.
Consumer complaint received 2016-10-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

my complaint is with DiTech formally Green Tree formally XXXX XXXX our loan has been passed from company to company. XX/XX/2015 we were issued an insurance check for some minor damages the check was sent to DiTech for there endorsement. We submitted all the requested documents pictures, receipts, notice of repairs completed. We have met all requirements. DiTech refuses to release the balance due us.All repairs have been completed over a year ago. DiTech is trying to force a conflict between us and our insurance company by insisting the adjusters estimation of damages is not extensive enough therefore they are entitled to keep the balance of the check.We believe this is an attempt to force us to use there insurance provider at a significant increase in the premiums. To date we have payed over {$90000.00} on a {$31000.00} loan to XXXX different company.We believe we are being exploited by this company.
Consumer complaint received 2016-02-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (MI)

I have a home mtg with Chase. Account number XXXX is partial number. last XXXX of my ss are XXXX. My name was XXXX XXXX at the time and this is the name account is under. My mortgage was included in my bankruptcy. This account is well over 7 years old from first delinquency. By law this account needs to be removed from my credit report. Even though payments are not being reported and I have a XXXX balance this is still showing up as a negative on my XXXX and XXXX credit reports.
Consumer complaint received 2016-10-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (TX)

I tried to use my debit card on XXXX XXXX but it was declined. I paid cash for my transaction and did n't think anything about it. My paycheck is direct- deposited into my Chase account on or before the XXXX XXXX of every month. I tried to check my account this morning but got a message stating that I needed to contact Chase. I managed to check the balance by phone to find a XXXX balance. So I called customer service only to be told that my XXXX yr old acct was audited and that Chase decided I was no longer their customer and closed my acct. No notice of any kind! I will have to wait 10 days for a letter from them, can not access my paycheck and have several auto- pay bills that will not be paid on time. They refuse to discuss the issue and will not tell me what to do to keep my account open. My credit is going to take a big hit now and I can not pay my bills! I spoke with XXXX from customer service and he told me to stop spending! What was that about? I need to access my money-back money that pays my bills, gets me to work and feeds my family!
Consumer complaint received 2016-10-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (OH)

Very long and drawn out story. We were in the middle of a " modification '' with WaMu when housing market collapsed and loan was given to Chase where they immediately began foreclosure, even though we had been following all the rules of the modification. We then filed bankruptcy to save our home and for 2 1/2 years, we paid Chase back through the bankruptcy. At the 2 1/2 year mark, I spoke to a VP at Chase Mortgage and he set a team on my mortgage and did a permanent modification for me and I was able to remove the mortgage from the bankruptcy. Since that time, I have NOT been delinquent although they still do not report to the credit agencies. My problem is that my Principle Balance is XXXX LESS than my payoff. Principle is XXXX and the Unpaid Principle Balance is XXXX. I realize that some may be back interest from the entire debacle but I also have a feeling that they are gouging me with so many " corporation '' fees and charges. We ca n't get out from under this mortgage. Our mortgage is almost XXXX a month with no END in sight with an almost 6 % interest rate. I have tried with Chase to refinance for the lower interest rate and was turned down. I have called them multiple times asking for a breakdown of transactions on my account and although they sent me a " history '' there is no description. On XXXX XXXX, 2012 there was a XXXX adjustment to my account with ABSOLUTELY no description. On XXXX XXXX, 2012 there was a XXXX adjustment but it gave a description of XXXX XXXX XXXX ( which I fully understand ). I just need to make sure that I do n't have XXXX dollars of FEES AND CHARGES from Chase. We are a middle class family of XXXX living paycheck to paycheck and want to move to a less expensive home and lower mortgage but because of this " pay off '' we are stuck. The only option we have is to give it back to the bank and I DO N'T want to do that ... we have been working so hard on getting our finances back on track and want to be home owners again. I would really appreciate if someone could help us. I 'm not sure what other options we have.
Consumer complaint received 2017-01-18
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (WA)

Money was stolen electronically from all of my accounts with Chase Bank. {$24000.00} from my Money Market Savings Account. There was also {$5000.00} stolen out of both my checking and my savings accounts at separate times and numerous smaller amounts. When I realized that money had been being drained out of my account I called Chase Bank and asked to put a stop payment on the withdrawal and it was not performed. Also Chase Bank neglected to put my money back into my account after that happened to my supposedly insured money.
Consumer complaint received 2016-10-08
Product: Credit card — 
Issue: Application processing delay — 
Company: JPMORGAN CHASE & CO. (MI)

ON OR AROUND XX/XX/2016, I APPLIED FOR A CHASE CREDIT CARD THROUGH THE INTERNET. MY CREDIT SCORE WAS XXXX AND ABOVE, I AM WELL ESTABLISHED ON THE JOB AND HAVE A STABLE CREDIT HISTORY. HOWEVER, BECAUSE THERE WAS AN ALERT ON MY CREDIT FILE, CHASE CONTACTED ME THROUGH THE U.S. MAIL TO INFORM ME OF THIS. THEY INFORMED ME TO CONTACT THEM VIA TELEPHONE TO VERIFY MY IDENTITY. I WAS TOLD THAT THE ALERT ON MY FILE WAS THE REASON MY CREDIT CARD WAS NOT APPROVED. AND THAT IF I UPDATED MY CREDIT FILE WITH CONTACT INFORMATION OR CONTACT THEM VIA PHONE TO VERIFY MY IDENTITY, THEY WILL APPROVE MY APPLICATION, AS THIS ALERT WAS THE ONLY THING DELAYING THE APPROVAL. I EVEN MAILED IN A COPY OF MY DRIVER 'S LICENSE AND SOCIAL SECURITY CARD. ON OR AROUND XX/XX/2016, I CONTACTED CHASE VIA PHONE, PROVIDED MY INFORMATION AND COMPLIED WITH AND PASSED THEIR SECURITY CHECK. ON OR AROUND XX/XX/2016, I RECEIVED A DECLINE OF MY CREDIT APPLICATION, STATING ITS BECAUSE MY CREDIT WAS PULLED TOO MANY TIMES. CHASE 'S REASON FOR NOT APPROVING MY CREDIT IS BIAS/DISCRIMINATORY, EGREGIOUS AND CAPRICIOUS. CHASE LEAD ME TO BELIEVE THAT IF I PROVIDED ALL MY SECURITY INFORMATION OVER THE PHONE, PROVING THEM WITH DATE OF BIRTH, SS #, MOTHER 'S MAIDEN NAME, BANK INFORMATION, COLLEGE ATTENDING ETC., THAT MY CREDIT APPLICATION WOULD BE APPROVED. HOWEVER I WAS LIED TOO. I BELIEVE I HAVE BEEN DECEIVED AND FURTHERMORE, MY CREDIT SCORE HAS BEEN LOWERED BECAUSE OF THEIR INQUIRIES INTO MY ACCOUNT DESPITE THEM ALREADY DECIDING NOT TO APPROVE MY CREDIT CARD APPLICATION. NOW, MY CREDIT IS DAMAGED FOR THE NEXT 2 YEARS AND IF I REAPPLIED FOR A CREDIT CARD WITH CHASE, MY CREDIT SCORE WILL BE LOWERED AGAIN. ALL OF THIS HAS CAUSED A NEGATIVE IMPACT ON MY CREDIT.
Consumer complaint received 2017-01-24
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

Co signed loan for nephew. He repeatedly fails to pay. XXXX had his employment and contact info but harass me daily with calls every 1/2 hr. How can they be forced to contact 1st signer and make repayment demands?
Consumer complaint received 2017-02-01
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (NC)

I called to have my Co Sign removed on XX/XX/XXXX, they told me I had to fill out an Application and that it would take two days to email it to me. I found that strange considering it should be instant to email a customer a document. I waited and on the second day I received nothing. So I googled it and found the application on their website. They did n't mention I could do this at any point of the conversation. The form requires proof of citizenship, meaning I have to track down a copy of my birth certificate. How do they not have record that I am a citizen sense I have been doing business with them sense XXXX and needed to provide my birth certificate back when this all started. They also need proof of graduation, yet they did n't require this to start billing me 6 months after I graduated, I have been a graduate working on this loan sense XXXX and they had to know this. Now I have to track that document as well. I called them on the second day, the day I was supposed to get the emailed application. The hold was a few minutes, once I told the rep I needed help with the co sign release application I has told I needed to be transferred and the hold would be three minutes. Three minutes later they told me the hold was going to be a bit longer and offered a call back, I decided to wait. I was on hold for well over an hour. When I called on XXXX my hold was two minutes, by XXXX it became over an hour. It seems like every time I try to do business with this company they put as many road blocks in my path as possible. They provide miss information to hold you out as long as possible. They do n't seem to want you to be successful. Your struggle is their profit.
Consumer complaint received 2017-02-01
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I enrolled at XXXX University 2008 ; I inquired with XXXX about cost, ways to reduce cost, ways to complete school faster. The intake person was not completely honest ; she said I would graduate in two years using transfer credits and life credits. This was not accurate. She failed to tell me that life credits are not free that they must be paid for out of pocket, and that I did not have enough credits to graduate in 2 years. Once I discovered the fallacies I was already in for almost 2 years, so felt I should continue. Once I graduated I had a debt of XXXX and my loans serviced by XXXX XXXX, now Navient. I called them repeatedly for assistance in repayment options ; they kept putting my loans in forbearance or deferment, without letting me know that interest was accruing. My student loans are now at XXXX ; I will never be able to pay this off. We will have to sell our home to help pay this off so we do n't take this into retirement. I am so disappointed that I was not given accurate information and assistance from the beginning. Is there any recourse for this ; I am more than willing to pay for my original loan, but all the interest has doubled the amount. I am not sure how to even begin at this point.
Consumer complaint received 2016-02-23
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (NY)

I contacted my student loan servicer Navient in orde to get affordable payments arranged for my student loan. After long painful discussions with several representative they made it clear that based on their terms are the only options available regardless of what i could not afford. They took my financial information my expense information which left me with almost {$180.00} a month. I was willing to pay {$75.00} amonth which left me the remainder for foodand, clothing and out of pocket expenses. They were not willing to be flexible and were demanding {$190.00} a month to pay for the loan which leaves me with no money for out of pocket or food expense. I expressed the reasons explicitly to why i could not agree to that amount based on my well being and for agreeing to a payment i could not afford. Their solution was to either agree to making a payment that I can not afford and/or keep the lian the way it is at $ XXXX month and default because i cant afford to make the payment thry want. They transferred me to several representatives who were rude, hostile, and lacked customer service and would not accept a the payments i wanted to honor. The last representative was unprofessional enough that he hung up on me without taking my payment or coming to a middle ground on my account status. How does one repay a debt to a company who promotes " honoring hardships '' and not willing to accept any flexibility for low income borrowers. This company is misrepresenting what they say they stand for. This company is mistreating and taking advantage of loan debtors who are willing to repay their loans.