davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (MD)

I requested elimination of the PMI imposed on my property since 2004. The property was bought for XXXX and the lender, New York Community Bank based in XXXX has been denying the removal of the PMI. We sent a check for them to make a re- assessment and they used XXXX 'comparables ' priced at XXXX ; XXXX ; XXXX ; XXXX ; XXXX and XXXX which clearly indicates that the loan to value ratio has increased. In a very suspicious way they used a number called " Quick Sale Value '' of {$490000.00} to again deny the removal and ask us for {$2600.00} to remove the PMI. The numbers they used are arbitrary and had no foundation other than to keep stealing money from us, hard working middle class workers.
Consumer complaint received 2015-05-06
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, National Association (DC)

My wife and I live in a row house in XXXX D.C. We rent out a XXXX-floor apartment as a bed-and-breakfast. For the tax year XX/XX/2015 the District of Columbia government mistakenly assessed our property as being 100 % commercial property. Of course our taxes and consequently our escrow payment ballooned. The D.C. government has since corrected their mistake. The D.C. government has offered to refund the escrow overpayment to our mortgage bank, New York Community Bank ( NYCB ). However, NYCB is insisting that we, the homeowners, personally repay this escrow overpayment.
Consumer complaint received 2015-08-07
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: FIRST MORTGAGE COMPANY (NM)

We were trying to apply for a mortgage. Since my credit is locked they refused to use only my wifes credit and because we do n't have any recurring credit were not approved. This part was fine. 

The problem is that we are staying with our kids at their house, and we told them to use our mailing address and to NOT send anything to our kids address. They ignored their own application that shows a mailing address on it. We told them we do n't use our kids address for anything, and they used it during my wifes credit check, and then also against our request they also sent their credit documents to our kids address ignoring our request to ONLY use our mailing address. Now we will start to get things mailed to our kids address against our will and promise to them to never use their address for anything.
Consumer complaint received 2015-10-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Nathan & Nathan, P.C. (TN)

I want Nathan & Nathan Law firm ( claim to represent XXXX ) to drop the lawsuit and dismiss the Plaintiff 's Motion For Summary Judgment against me ( defendant ) and compensate me for over XXXX harassing cell phone calls and a letter of harassment. 
Nathan & Nathan Debt Buyer/Collection Agency/Law Firm ( not the original owner ( XXXX sold the debt to Nathan & Nathan ) filed suit against me XXXX XXXX, 2013 without properly notifying me of the lawsuit. Communication tactics after initial dispute and cease cell phone communications. False Statements or representation. Taking and threatening to take an illegal action. Attempting to seize property. Payment Protection Plan ( insurance ) suppose to pay for billed charges on the XXXX XXXX charges due to my illness, vehicle injuries, and unforeseen financial difficulties.
Consumer complaint received 2016-08-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CA)

di tech has provided another style of mortgage statement. The statement indicates statement date : XXXX/XXXX/2016 and statement due date : XXXX/XXXX/2016. Due to the date of receipt of the statement taking place on/about XXXX/XXXX/2016, I view the XXXX/XXXX/2016 date as a false assertion on the part of ditech. In order to resolve this lack of confidence in the ability of ditech to conduct business in a clear transparent fashion, I request for CFPB to review the mailing and document dating practices of ditech. With respect to the dating of statements I request for CFPB to require ditech to date the monthly statements with the actual date of preparation and the actual date of submission to the US Postal Service for delivery to the mortgage obligees.
Consumer complaint received 2017-01-15
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (NY)

i have a credit card account with citi bank since XX/XX/2002. I have been making payments every month and recieve statements every month. For the past four plus years i have been locked out of my account and citibank refuses to issue a replacement card, unlock my account or grant me access to my account online. i have made many calls and have been told my account has been closed. i informed them that my account is not closed and i have been making payments and receiving statements with available credit amounts and never canceled my account. Each time i call they confirm my address and tell me a letter will be sent to my address to correct the issue. and a replacement card issued. i currently have a credit on my account and i am unable to modify payments due to my separate citibank being unlinked by citibank and i can not view or modify those transactions. I want my accounts linked up and a new card issued.
Consumer complaint received 2016-03-07
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: TRANSWORLD SYSTEMS INC (NY)

Apparently this company Transworld Systems Inc. did not get the correct information from XXXX XXXX XXXX. Or shall I say they " inadvertly '' forgot to send them all of the paperwork that I submitted to them regarding this account. The account is a Identity Theft account. I did not give anyone permission to sign my name or to continue with any transaction. I just happen to find out when I order my credit report in XX/XX/XXXX that a student loan was forged in my name! This company failed to review the supporting evidence and had the nerve to try an decline my IDentity Theft affadavit!. Obviously they are trying to scam their way to getting paid on this account. I have filed and sent them every single paperwork including my police report and the actual original copies that I have from that date.There are XXXX sets of originals here and obviously they TWS has the wrong one. I have the forged copy that was sent to me from XXXX XXXX XXXX whichj obviously did not get to XXXX. XXXX is dated XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX letter was sent out stating to make corrections and return. Well needless to say I never returned them. I spoke with the representative who stated the letter was self explanatory. IF I dont return they can not proceed with the application. Well " someone '' forged my signature on XXXX/XXXX/XXXX and the forged copy was dated XXXX/XXXX/XXXX with corrections in it that I never made, and originals that I still hold in my possession. TransWorld has failed to provide me with an investigation report and a closure report.
Consumer complaint received 2016-09-30
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Crow Creek Sioux Tribe (PA)

They charged me 643.01 % to pay this loan off, this is very upsetting to me .. When I talk to theses people back in XXXX, the lady told me just look over the loan, and then sign .. I am very confused and angry about this ... Thank you for your help ..
Consumer complaint received 2016-06-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Blitt and Gaines, P.C. (IL)

On XXXX XXXX XXXX accounts with Blitt and Gaines I did not receive a validation letter or any correspondence regarding the accounts. They did not offer a settlement letter or any proof that they had any authority to file any lawsuits. When doing research online the law firm has posted information that they do not like to send out letters since it is not cost effective to do so and opens them up to possible FDCPA violations and litigations. There were XXXX accounts in question so that makes XXXX separate complaints for their violations.
Consumer complaint received 2015-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IL)

Dear Customer Service Department, This is pertaining to the package dated XXXX XXXX, 2015. The information included does not address the fact the payment being billed for PMI has increased and does not coincide with the documents signed with XXXX XXXX. Also, it states that Green Tree has not completed an analysis since the service of the account, however, in prior mailings, it indicates otherwise. Additionally, a payment remittance has not been received for the second month consecutively, which further solidifies the mishandling of the account. 
Consequently, on your Green Tree 's own website, it displays how the escrow account is used for various payments and how it could potentially change from year to year. Listed are taxes ( which I pay directly to the county ), insurance premiums ( which I pay directly ), but no mention or PMI. If my PMI has been predetermined based on my refinance with XXXX XXXX and should not be modified, then why is there a change when the factors provided do not apply to my circumstances and or loan? 
Lastly, it states in the same package dated XXXX XXXX, 2015, that all RESPA letters should be sent to XXXX XXXX, SD. Sending correspondences via the mail are very problematic as my experience has shown that documents are either not received and or not annotated not in sufficient properly. I am paying accordingly to what the documents in the refinanced stipulated, therefore, anything additional would constitute fraud.
Consumer complaint received 2017-02-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO. (VA)

Chase has overly lied to me and I XXXX and wanted to get a modification loan or to reduce my interest of 6 % for years with good credit. When I made good money for the last 22 years with them they said I could not refinance because I made too much money. Now in retirement, of half salary, I tried to lower my interest payment, they now say I do not make enough. and the only option they say is sell my house, I 'm not behind in my payments but have student loans Then they give a generic survey and ask how you feel. You tell the truth and then they call to tell you that you are still wrong to feel that way and to add insult to injury, still take your money and do not do anything. I am tired of very bad service, I am a XXXX. I am so disappointed in Chase. if anyone could help steer me to someone else please do. Tired of very bad service of zero.
Consumer complaint received 2016-08-29
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (FL)

I am submitting this complaint against Chase credit card because they have been unwilling to work with me in resolving a credit card debt issue involving my mother 's account. 
My XXXX old mother recently suffered a XXXX XXXX and had XXXX. As a result, I was forced to become involved with her financial affairs. ( She previously would not allow me access to her finances ). I have discovered that she had lost all her investment assets a number of year ago, that she receives minimal income through alimony and social security payments and over a period of time as accumulated significant credit card debt. After analyzing her income, living expenses ( including rent ) and her credit card minimum monthly payments, it is clear she is barely keeping her income ahead of her expenses and that she will never be able to pay off the credit card debt. 
I contacted XXXX attorneys and XXXX advised to default on the cards. However, out of concern for her health and well-being, I am reticent to have her final years spent ducking creditors. Both my wife and I have power of attorney to manage her affairs and proceeded to contact Chase to see if there was any ability to lower or eliminate the excessive interest fees and reduce the balance. 
The Chase credit account is a closed account - she can not use it for purchases. It is unclear when the account was closed ( the history on line extends back to XXXX 2010 and it has not been used for purchases in all that time ). The outstanding balance in XXXX 2010 was {$28000.00}. Since that time, she has paid a total of {$50000.00} to Chase and has been charged an additional {$39000.00} in interest. The APR is 27.49 %. Her current outstanding balance is {$17000.00}. The latest Chase statement notes that the balance will be paid off in 30 years ( when she is XXXX ) if she continues to make the minimum required payments which as I explained she is barely affording to make. 
My wife and I contacted Chase to determine if they would review the account and treat it more fairly. The phone call lasted for over two hours, we were transferred back and forth to different departments, each time having to re answer the security questions and re describe the problem. We tried to reach supervisors etc. No one would offer any relief of any kind. From what we can determine she has only 'bought interest ' for more than 6 years. 
We are very concerned about her ability to continue to stay ahead of her expenses under the current conditions ( or worse, if her XXXX old former husband dies and there is no more alimony income ). and are shocked that Chase, in their own self-interest would not be able to recognize the reality that the balance will never be paid off. This feels like a form of elder abuse.
Consumer complaint received 2016-08-25
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Nelnet, Inc. (FL)

My ex-husband and I consolidated our student loans through the USDOE in XXXX. I divorced him in XXXX, and was told that the loans couldnot be separated -- ever. I filled for and was granted discharge in full for the total amount of all conslidated loans in XXXX XXXX through Nelnet/USDOE. The following month ( XXXX XXXX ) I began recieving bills for my ex-husband 's portion of the consolidated student loans. He is not paying the loans and Nelnet is reporting the loans as my delinquency to XXXX credit bureau services. They call almost weekly, and have even tried to get my c
Consumer complaint received 2016-11-03
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: JPMORGAN CHASE & CO. (AZ)

XXXX XXXX purchased an old XX/XX/2009 Chase credit card and had an incorrect address, threatened to suit and said they were attorneys when they were only collectors. There 's a judgement with no signature of mine or my husband and the law firm would n't talk to me because of the incorrect address XXXX had.
Consumer complaint received 2016-06-11
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (CA)

I was a XXXX. We had credit card issued in the XXXX name the XXXX dissolved and the XXXX where suppose to pay the credit card out of the asset of the XXXX. The other XXXX decided not to breakup the XXXX and not pay on the credit card. Without me even knowing Chase reported the default on the card with a charge off on my credit report. After several letters to Chase for for verification and correction of the error I have never received a response and it is effecting my credit history and my options on loans etc. I even tried to write them a letter asking for their agent service in California so I can sue them. They just wont respond. I decided to report them to the federal government in hopes I can get some response from them. Help!
Consumer complaint received 2015-05-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Seterus, Inc. (NY)

I am the personal representative of XXXX XXXX, who passed away in XXXX and had a mortgage loan with Seterus ( loan number XXXX ) that was satisfied by a short sale in 2014. I called Seterus in XX/XX/XXXX to request that they mail me a copy of the XXXX that was issued. When I did not receive it, I called again on XXXX XXXX, and again on XXXX XXXX, and again on XXXX XXXX. During the conversation on the XXXX, Seturus told me that they would fax the form to my accountant, but he never received it. I need the form so that the accountant can file the final 2014 federal tax return. Since Seterus has been unresponsive, I am requesting your assistance. Thank you.
Consumer complaint received 2017-01-23
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (GA)

Last year, XXXX XXXX, I went to a credit counseling company to get help paying my bills. In XXXX XXXX. They accepted the accounts I gave them, XXXX by Chase was one of them. In XXXX XXXX, XXXX, began withdrawing funds from my checking account to make payments. For XXXX XXXX by Chase they withdrew {$20.00} per month. I stopped automatic payments for the XXXX Credit Card in XXXX XXXX. I found out in XXXX XXXX, that Chase was still withdrawing {$20.00} from my checking account and receiving {$20.00} in payments from XXXX for a total of {$40.00} per month. I want them to stop charging my checking account. I contacted them, I did not know the account was closed.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO. (CT)

I opened a Amazon.com rewards card in 2006 which I used solely yet sparingly for Amazon purchases. I accrued {$66.00} in rewards and yesterday went about to redeem the rewards online. I was shown that I do indeed have {$66.00} in rewards but that my credit card account had been closed unbeknownst to be and to call customer service. I called to inquire and spoke to a supervisor who informed me that my account had been closed by them automatically. I never received proper notification that the account was being closed nor did I want the account closed. I was informed that because the account was closed I could no longer redeem the rewards that I earned. I feel that I should be mailed a check for the amount of rewards as it was their choice to close my account not mine and I did not receive proper notification. I feel there is no valid reason earned rewards should be retained by Chase and they should benefit from closing my account without my permission.
Consumer complaint received 2016-09-16
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (TX)

Chase Bank sold my account to a collection agency XX/XX/XXXX. The account was paid in full TO THE COLLECTION AGENCY XX/XX/XXXX, as evidenced by the attached documents. CHASE BANK IS STILL REPORTING THAT ACCOUNT ON MY CREDIT REPORT AFTER 3 YEARS. To my understanding this is a direct violation of the Fair Credit Reporting Act. Then they have the audacity to send me a letter stating that they have confirmed that the account is not being reported. XXXX? 
I want to be compensated by Chase Bank for the higher interest rate this incompetence has caused me. I recently tried to buy a house and was denied because this account is STILL reporting as a charge off. Apparently the collection agency and CHASE BANK do no communicate. 
The collection agency, XXXX XXXX XXXX is NOT reporting this account any longer. Why in the world is CHASE BANK other than incompetence?
Consumer complaint received 2017-02-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: JPMORGAN CHASE & CO. (VA)

We paid off a home equity line of credit with Chase Bank on XX/XX/2017. Because of the timing of the payoff, we were owed a balance of over {$1000.00} in connection with the payoff. We contacted Chase on XX/XX/2017 to find out when we should expect to receive that balance and were told we needed to submit an authorization to close the account. We did so that day by email and the following day by fax. We contacted Chase again on XX/XX/2017 to find out when we should expect to receive the balance and were told the account had been closed and we should expect to receive a check within a week. Today we received mailed materials noting the line had been blocked and giving us a " payoff amount '' showing we are owed over {$1000.00}. We contacted Chase again and were told the line has not been closed, that an additional " work order '' is required and that it will take 3 business days to process that and at least another 7-10 business days for us to receive our refund. At that point, we will have waited approximately 6 weeks from the time the line was paid to receive a refund of our money, after having been given incorrect information by Chase about what was required to obtain it every time we have contacted them.
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (MI)

I use Nelnet as my provider i switched to the repaye in XXXX XXXX ofcourse at that time the online application requested that I have called and spoken to them multiple times. First off they always tell you no matter what the call is the need 2-5 days to process. second of all they never reach back out to you when they say they will. I called maybe 50 times regarding my application. to confirm everything was correct and was always told everything was correct. I was also told what my payment would be. my husband and I sent in applications at exact same time his was processed. where mine due to many many errors on their end including putting my husband application instead of my own into my account told me they could not process my account so i had to send in paychecks. to make a very long story short they refuse now to calculate my payments based on my agi bc they have my paychecks per their request and demanding I had to submit them and also telling me multiple times not to send in my most update my most updated taxes. In the end they tried to blame me for the fact that they put my husband application into my account. which for one, even if my husband faxed in his application XXXX times why would they put it into my account. secondly, as if i could be on their end and scan it into my account. this complaint is based on the principal that i tried to avoid mistakes and have my application processed in the the fastest matter i could, and called and tried to be patient and most effective clearly their staff is not trained to know how to handle any situation or even give out the correct advice. even the solutions center was rude to me when speaking to him and kept telling me i put my husband application into my own account, the after researching more " suddenly '' found something he missed before that was their fault. make a long story short after prob 10 hours total phone with them and XXXX calls later they still messed up, do n't offer any solution, and now can not calculate my payment based on my AGI until i do my XXXX taxes next year!!!!