davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (VA)

I made an extra payment to my mortgage servicer, Green Tree Servicing, on XXXX/XXXX/15. Green Tree applied the correct amount to my current payment, but they did not apply the extra amount, totaling {$360.00}, to reducing the principal. They are essentially sitting on the money, doing nothing with it. I submitted an online inquiry to Green Tree, but only received an automated reply stating that they would get back to me within XXXX days. I also called Green Tree 's customer help line today. I explained the situation to the operator, and she assured me that she would have the {$360.00} applied to reducing the principal. However upon checking the account online this evening, I see that nothing has changed. 

Note that Green Tree 's web site states : " You have two ways to pay additional toward your principal. One, you can choose biweekly payments to pay down your home loan faster. XXXX, even if you choose monthly payments, you can pay extra any month. If we receive a payment larger than the amount due, we apply the additional amount first to any outstanding fees and then to your principal balance. '' However, the operator I spoke with today stated that Green Tree does NOT automatically apply extra funds to reducing principal. 

I see that CFPB and the FTC have fined Green Tree for illegal and unethical practices XXXX. Green Tree acquired my mortgage, which is in good standing with zero late payments in its XXXX year life, from a reputable lender. Green Tree has been difficult to deal with from Day 1. I urge the CFPB and FTC to use your power to steer other lenders, as well as XXXX XXXX and XXXX, away from doing business with this shady operation ( pun intended ). 

Thank you.
Consumer complaint received 2016-07-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (GA)

To Whom it may concern, Dear Sir/Madam, I am sending the this complaint for Citibank not honoring the Citigold promotion offer on which Citibank would post XXXX XXXX miles to applicant 's account after finishing the related requirements. 
I opened Citigold checking package around XXXX XXXX and fulfilled all the requirements around XXXX XXXX. The online chat customer service at that time confirmed I had finished all the requirements and would receive the bonus miles after 90 days as terms required. 
On XX/XX/XXXX, I sent a security message since I did n't receive the miles on time. The reply from the message is shown below : " I can confirm the AAdvantage miles have been processed to your account. However, be advised it may take an additional 30 days for the miles to post to your AAdvantage member account. '' Please find the attachment for details. 
Then I had been patient and waited another 2 months until XX/XX/XXXX since I trusted Citibank would honor the terms and what the customer service promised. 
On XX/XX/XXXX, I sent another security message to check my bonus miles status since it had been such a long time and it is not posted yet. Then the security message customer service this time stated that I was not targeted and would not receive the promotion miles. Later on XX/XX/XXXX, Citibank stated they would file an investigation while I do n't receive any response until now.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MO)

My escrow account was debited twice for a single property tax payment. This error is reflected throughout my escrow account history up to the present day, and resulted in the assessment of a higher mortgage payment due to the escrow balance falling below the minimum requirement. The lender refuses to acknowledge the error, but did allude to data conversion issues during the time period in question.
Consumer complaint received 2021-05-19
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. (CA)

There are two accounts on my credit report that do not belong to me I need this off my credit since this is not mine and I did not authorize these cards to be taken out or used for that matter XXXX XXXX - Acct # XXXX Amt {$0.00} XXXX - XXXX
Consumer complaint received 2020-04-18
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (CA)

Mr. cooper is a third class money hungry, greedy company. I applied for financial hardship on XX/XX/2020, after one month of deliberation, dragging my case and unnecessarily asking me for the documents which were not required they have come up with a six months forbearance program in which I have to pay them {$160.00} every month for six months, they have come to a conclusion that I have no financial difficulty, are they out of their mind? I have provided them food stamps letter from the county and also my unemployment letter from the state and they are saying I have no permanent financial difficulty, which illiterate is underwriting their loan terms and conditions. In this epidemic of coronavirus how can they say that I have no financial difficulty. The whole economy has collapsed, so where will I make my money from? 


They still want 5 % interest from me and {$1900.00} just in interest every month, this is ridiculous. 

And top of all they will report me delinquent to the credit bureaus each month for the next six months and at the end of six months of forbearance I will have to pay a whopping amount of {$18000.00}, is Mr Cooper out of their mind? Since XX/XX/2020 since I applied for the hardship I am telling them to give me a permanent solution to the mortgage problem as I am hit really hard from Coronavirus and also going through an active divorce, so how can they ignore all this. After one month of deliberation they have come up this with this senseless forbearance program which doesn't make any sense. It just tells that how greedy they are and they just want money and do not care about people.
Consumer complaint received 2016-05-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

I filed a formal compliant in XXXX XXXX against my mortgage company, Ditech, because they had failed to acknowledge or resolve the numerous letters I had written trying to understand an escrow issue. Please refer to the CFPB XXXX # XXXX. I received a less than satisfactory response to my complaint on XXXX XXXX, XXXX. While parts of my inquiry were addressed, Ditech has since then failed to acknowledge or resolve the remaining parts of the complaint. I have not heard anything since XXXX XXXX, XXXX, yet Ditech promised to supply me the XXXX 's I had been waiting for and to reimburse me any fees or penalties I am due. 

So my new compliant consists of the following : 1. ) Ditech supplied all the correct amounts and disbursement dates and indicated that they would adjust my XXXX and send them to me. I would like to understand how the error on the XXXX can happen in the first place? I would also like to understand why I have not received those corrected XXXX. No explanation or resolution after almost one year of disputing this is unacceptable. 
2. ) I would also like to understand the credits and disbursements made. If I look at the escrow analysis you provided it shows that a payment was made to the County in XXXX XXXX for {$1200.00}, but then in XXXX XXXX a credit showed of {$1500.00}. Why is there a difference in the amount? Same thing for XXXX XXXX, a payment was made in the amount of {$1400.00}, but a credit in XXXX XXXX for {$1700.00} was received ... why the difference in amount? It appears as if the credits are more than the payments, so I would like to understand that. 
3. ) I received notification that a disbursement of {$1800.00} was sent to the County on XXXX XXXX, XXXX. I called Ditech Customer Service and they indicated it was because the County refunded Ditech for my Parcel #, but Ditech sent it back. When I spoke to the Representative on XXXX XXXX, XXXX she was unable to explain why a credit was received and why it was sent back. I see that a credit was made to my escrow balance in XXXX XXXX for {$2000.00}, what this a refund from the County? If so, why did we send back only {$1800.00}? The representative told me she would get back to me in 14 business days, and as I file this dispute it is now XXXX XXXX. Almost 2 months later, and I have still not heard back from Ditech ( verbally or written ). 
4. ) I find this absolutely appalling that I ca n't even contact my Mortgage company and trust that I will get an explanation or hear back. I have to call, write, or file formal complaints to try to get answers. As a consumer this is very frustrating that I have to continue to business with a company like this and can not leave them unless I refinance and pay all the fees associated with this. I have a right to understand my mortgage, and should not have to keep writing in order to get a response to questions I have been asking since XXXX XXXX.
Consumer complaint received 2015-05-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (KY)

My loan was transferred from XXXX XXXX XXXX XXXX Green Tree Services. Green Tree Services demanded that I pay the loan off in full, there were no other options. I explained to them that I had lost my job and I was working again, however I could n't pay out $ XXXX. The representatives were extremely rude and began threatening me. I told them my house was 'under water ' and there was no equity in my home. They said they would just charge the loan off and then hire someone to sue me. They advised that one way or another they would get their money. They began calling friends and family members as well. My mother said someone from Green Tree was extremely rude and indicated that I may lose my home. Green Tree also contacted my employer and indicated that I was behind on a mortgage. They never offered anything accept pay us or else. I am worried to death over this. I have XXXX small children and cant lose my home. Green Tree Recently charged off my 2nd mortgage. According to them the next step is to take me to court to file a judgment against me and garnish my wages. I cant afford to have my wages garnished for a 2nd mortgage that has no equity. Please help me. Please save my family.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A states I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC. (CT)

I sent a PDF form request with attachment as instructed below to   XXXX   XXXX   XXXX     XXXX   XXXX ,  XXXX .  XXXX   XXXX ,  XXXX , GA  XXXX  requesting my credit history several weeks ago  XXXX   XXXX   XXXX ,   XXXX   ). To date I have not received any confirmation that my request was received by   XXXX   XXXX   XXXX   XXXX   XXXX  !!   EQUIFAX refuses to provide an ONLINE report, they averred : Online Delivery Unavailable, We are not able to deliver your free Equifax Annual Credit Report online.     How to Request by Mail To request your free Equifax Credit Report by mail, please fill out the attached form ( PDF file ), along with the documents described below, and mail them to :   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  .  XXXX   XXXX   XXXX , GA  XXXX  Please include with the attached form a copy of  XXXX  item in EACH of the categories below in order to assist us to verify your identification and address. The item you submit from the " identity '' category MUST contain your Social Security number and the item you submit from the " Address '' category MUST contain your current home mailing address.   Identity Social Security card Pay stub with Social Security number  XXXX  Form Address Driver 's License Rental or lease agreement/house deed Pay stub with address Utility  bill ( gas, electric,   water, cable, residential telephone bills ) To ensure that your request is processed without delay, please enlarge photocopies of any items that contain small print ( i.e. driver 's license,  XXXX  forms, etc. ). To avoid additional delays, keep in mind that if photocopies you submit are not legible or contain highlighting, we may ask that you resubmit your request with more legible documents.     Why have n't I received a confirmation from   XXXX   XXXX   XXXX   XXXX   XXXX  ? Why does Equifax REFUSE to provide online reports?!!!
Consumer complaint received 2017-01-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

Hello, Ditech received an refund from my county taxes on XX/XX/2016 and I only received a surplus check of {$120.00}. They are unable to communicate to me why my surplus is n't larger. I did not have a shortage on my account, I 've been current ever since they took my over my loan. I just do n't understand why I did n't get more of a surplus, when there 's a XXXX given to them by the county.
Consumer complaint received 2016-08-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (CA)

I have been trying to do a modification with Chase bank. 1. I was approved from Save Your Home California. Chase would not accept the dollars. 2. My housing ratio is more than XXXX %. I qualify for a modification. The property is in foreclosure. They keep making excuses. First they said the XXXX bill is old. I provide a current XXXX bill and now they say it does not have XXXX ( My name is XXXX XXXX XXXX ). 3. I have written several letters and the only response I get is that They received my letter and will get back with me. They keep playing games. Please HELP
Consumer complaint received 2015-10-24
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO. (ME)

Two issues:1- I download and reconcile the data from this account daily and payoff the balance by electronic transfer from a XXXX checking account ; despite the balance being deducted from my XXXX Account , it takes days for Chase to credit my credit card account. 
2. Despite the process listed above ; even when my own account, updated daily, and showing now balance due, Chase shows a balance due and charges me interest on the alleged " balance ''. 
Chase Bank is using fraudulent accounting practices and deliberately delaying processing accounts in a fair manner in order to increase fees and profits
Consumer complaint received 2023-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (PA)

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.
Consumer complaint received 2023-07-24
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: ALLY FINANCIAL INC. (GA)

I contacted Ally Financial on XX/XX/2023 regarding my auto loan payment ( {$340.00} ) for the month of XXXX. I contacted the company through the customer website and engaged with a chat representative. I requested that the XXXX payment of {$340.00} be deferred and moved to the end of my loan. The chat representative initially communicated that I may not be eligible for a long term deferment but I clarified that the payment deferment was only for XXXX ( due to a hardship ) and that I would resume my excellent payment standing immediately when the XXXX payment was due. 

The chat representative confirmed that the payment deferment was submitted and approved. I requested and had the chat rep reiterate my request and the confirmation of the approval again to ensure that it was documented accordingly. 

I begin to receive text messages alluding to my XXXX payment being late but when I received a phone cal from Ally on the morning of XX/XX/2023, I contacted the company again via chat to find out what was happening. I was connected to a chat representative by the name of XXXX. I explained the situation and was advised that my request for deferment/extension was submitted for manager 's approval but was rejected. 

I advised XXXX that the previous chat rep confirmed my deferment approval through the previous chat and that Ally hadn't communicated any rejection to me via phone, chat, email or US mail. XXXX then offered to raise a new extension request for me. I agreed and stated, as I have an excellent payment history with Ally, I can and will continue to make my payments on time but the previous chat representative and Ally 's error was completely unacceptable. XXXX didn't respond any further, in fact he disconnected from our interaction. 

I called the customer service number XXXX immediately and was on hold for an hour and a half with no assistance. I just kept getting " You call is important to us, please hold for the next available agent ''. No one is answering the customer service/billing lines. I tried to use the " Email '' path to get assistance but it gave an error message that the request can't be completed at this time or to try again later. I have attached the chat conversation from today, XX/XX/2023. I have also included error message from the email ( contact us ) from the website that i received today as well. 

I have made my payments on time and my credit standing shouldn't be endangered by this complete and utter lack of customer service and business protocols by Ally Financial. This has put me in a unfortunate position that I hope to soon rectify but this incident is completely unacceptable towards me as a protected consumer. I would humbly and greatly appreciate assistance please in resolving this issue, as I can get no methods of resolution from Ally.
Consumer complaint received 2017-03-22
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: EQUIFAX, INC. (MI)

equifax IS REPORTING, a bankruptcy on my report, the court does not verify this information not now not later, this information was pulled from a 3-party, and must be deleted. the court has verified with me they do not report such information.
Consumer complaint received 2017-05-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC. (FL)

I am a victim of ID Theft almost 2 decades, SSA issued me a new SS # almost five yrs ago due to my identity being so badly compromised.It was being used in three states which no one could figure it out.Police reports, FTC reports, Affadivits any and everything you name to VALIDATE my claims.Creditors continue to sell these debts that do n't exist and that we 're fraudulent opened, when I send valid documentation Their response everything matches.I continued to add supplements reports and as officers has stated whoever had my ID it matched.What more could I do but continue to DISPUTE.NOT FAIR TO ME, I AM THE VICTIM NOT THE SUSPECT.I AM GETTING TREATED LIKE XXXX.THAT HAS GONE ON SINCE 99.
Consumer complaint received 2023-02-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC. (AL)

I have provided documentation from the car dealership that the car was sold to them before the payment was due. Exeter also provided letter to XXXX STATING I never had a late payment. XXXX REFUSES TO FIX THIS PROBLEM. I have contacted a lawyer and he told me to try this one more time before we filed suit. The Exeter account was never late I need that fixed
Consumer complaint received 2017-05-24
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PNC Bank N.A. (MD)

Paid {$640.00} on for appraisal for PMI deletion. Appraisal done   XX/XX/XXXX .   Appraisal  XXXX   . A ppraisal completed by another institution value  XX/XX/XXXX = {$150000.00}. Many things ( like {$40000.00} garage added to the property ) and added another bedroom and bathroom.  Appealed appraisal. Appraiser reviewed and amended the appraisal but did n't change the value of the appraisal. Tried calling the customer service again ( so many times that I do n't even know how many ) L ast attempt today   XX/XX/XXXX   and with no luck - they did not handle my concern and would not allow for another appraisal company to come out to the  property. The customer service dept. tells you that they will call you back on numerous calls and they never do. I know that this appraisal is not accurate. I had another lending institution review it and they stated that the appraiser used comps that were not on the market and one that did not sell. There was a comp  XXXX  mil e from our house that sold   XX/XX/XXXX   for {$150000.00}. They refuse to do anything about the inaccuracy or unfairness of the appraisal completed on their behalf. Also,  the appraiser asked how much we owed on the property ( and I do n't think this is standard ).
Consumer complaint received 2017-03-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: VeriCore, LLC (PA)

We remitted payment to a vendor in their name at the remittance address they requested. The check was cashed ( less than {$1500.00} ). They claim they never received it. 

The Company XXXX repeatedly continues to contact our offices even though we continually informed them that payment was made and to stop calling our offices and that we consider the continued phone calls to be harassment
Consumer complaint received 2020-04-20
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC (TX)

I requested payment assistance from my mortgage, loan depot, but they only offered a 3 month forebearance. The problem with a forebearance is that payment is due in lump sum at the end of the forebearance period. This present a difficult situation for me. I have requested deferral from the company but they claim to not be able to offer it at this point. Please help me secure a deferral solution to my mortgage for more than 3 months. 

Thank you