davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-12-12
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (NY)

Macy 's American Express credit card is reluctant to credit Macy 's Worrynomore voucher in the amount of {$220.00}. The voucher was issued on XXXX/XXXX/15 by Macy 's as reimbursement for not using the furniture protection plan and has to be used only towards the purchase of furniture, it expires in 90 days from the issue date. I purchased the furniture from Macy 's over the phone and was told that the voucher would be credited before the XXXX statement. As per worrynomore program, the voucher was redeemed on XXXX/XXXX/15, but never credited to my account. The furniture was delovered on XXXX/XXXX/15. I called Macy 's worrynomore program and credit card customer service multiple times since the purchase in attempt to get the voucher credited towards the purchase, I also filled out the dispute of charge form. I was told to fax the voucher to Macy 's, and I did so to several different numbers provided by different customer service reps ; but no result. The reps refuse to provide their names or ID numbers, and refuse to connect to supervisors. Last time I was tols it takes 30 days to process the voucher, but today is over this limit, and the credit not applied. It seems to me that the Macy 's worrynomore is a consumer scam to inflate the furniture price and to trick into purchasing " refundable '' protection plan. 
The Macy 's customer service never responded to my multiple e-mails. 
Every phone call takes no less than XXXX min ; I have no choice but to request your help
Consumer complaint received 2016-10-23
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

In late XXXX Citi reached out to me to question some suspicious charges on my Citi XXXX I confirmed that the charges were not mine and that I had never heard of the vendor. They told me that they would back the charges out and credit my account. When I received my next statement I noticed that there were more fraudulent charges on my card totaling over {$7000.00}. I also noticed that some of the charges that Citi had called me about were not yet credited. It took XXXX calls to Citi and then several hours of my time to review each charge with their phone rep, confirming which were fraud and which were not. I was told that it would be 4-7 days for those charges to be backed out due to the high volume of work they had due to moving the Costco Cards into their system ( Not my problem ). Ten days later, the charges still had n't been removed. I called, emailed and finally reached out on XXXX XXXX. The social media team took my information, including the log of all the fraudulent charges. Two days later, I received a confirmation that the charges had been credited and the ticket closed. A month later I opened my statement and noticed that XXXX worth of the fraudulent charges were rebilled to my account. I called Citi to ask why. I was on hold for about 30 minutes and then when I finally demaned a manager, I was told it was was because I never talked with a fraud manager to answer some additional questions. I told them nobody from fraud had reached out. They said it would be 1 - 2 days to be me more information. When I finally heard from them, it was via an emailed PDF with no way to actually talk to anybody. The PDF letter referenced XXXX of the XXXX fraudulent charges and said it was re billed because the vendor had already credited the charges. I explained to them that the only credits on my account were from Citi, which were later re billed. There were no credits from the vendor. They said it would have to go back to the fraud dept and to allow 1 to 2 days. It 's been three weeks and Citi has yet to have anybody from their fraud department call me. I 've emailed, called, and once again reached out via social media and even fax. I did received XXXX PDF asking me to confirm that XXXX transaction was n't mine. That appears to have been credited but the same day, I received another PDF saying yet another transaction was going to be re billed. Meanwhile thousands of dollars in fraudulent charges are on my card balance. Every time I call, I 'm told it 's with fraud and they need 1 to 2 days to get back to me. Three weeks is hardly 1 to 2 days. At this point the only fraud is from Citi. The fact that they can arbitrarily put charges on my card, with no justification of their reasoning and then hide behind their customer service department is shameful. The next step is to contact an attorney. More money wasted. XXXX help the Costco customers whose Credit Cards were just moved to this fraudulent, inefficient, useless corporation.
Consumer complaint received 2016-12-30
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: JPMORGAN CHASE & CO. (IL)

I booked round trip flight on XXXX XXXX on Chase travel website using my Chase Sapphire credit card points for XXXX persons. On return date, I could n't return due to sudden medical emergency with my mother. I contacted XXXX XXXX and asked them if they would rebook us, The agent told me they do n't provide any refunds for cancelation even due to medical emergency and they would n't rebook me. I had to return on XXXX XXXX and I paid for my return flight on XXXX. 

I filed claim with the benefit dept on XXXX XXXX for trip interruption/trip cancelation and I have sent them everything including the Chase travel vouchers and doctor 's letter but they have been playing game and they have been very dishonest since XXXX XXXX. 
The benefit dept continues to lie to me by saying the return XXXX XXXX flight was booked by XXXX XXXX and not by me. I have sent them my reservation document that shows I booked the return XXXX XXXX flight on XXXX XXXX website. 

I want full refund for the original canceled flight and genuine apology from all those agents that I spoke to regarding my claim. If they continue to choose to play game, continue to lie to deny my claim and not resolve this in the next few days, I will be taking legal action in small claims court for damages. 
Sincerely XXXX XXXX
Consumer complaint received 2017-01-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (IN)

XXXX XXXX, 2017 Re : Mortgage account # XXXX Property XXXX XXXX XXXX, XXXX IN XXXX Dear Sirs : This is direct request that Ditech terminate the escrow account and monthly charges on the above mortgaged property. Ditech is using escrow account on listed property to gain interest free self-serving loan from customer. The Consumer Financial Protection Bureau is suing Minnesota-based XXXX XXXX Bank XXXX for allegedly " tricking consumers into costly overdraft services ''. Ditech is doing the same 'trick ' with escrow account attack to defraud home owners for 20 % increase in costs with no factual basis or need. 
On property : XXXX XXXX XXXX, XXXX, Indiana, the current escrow is $ XXXX. New escrow is $ XXXX. This change is an increase Total= $ XXXX, which results in $ XXXX increase. This is XXXX % rise in escrow cost, which adds total {$6000.00} escrow each year to cover {$5300.00} actual cost, [ Tax : XXXXHomeInsurance : {$1700.00} ]. This is an annual {$710.00} " profiteering '' interest free loan to ditech, in addition to the {$2300.00} carry forward balance before any escrow disbursement occurs. 
House insurance on this property has not changed in 10 years, and current, active policy enclosed. Mortgage property value assessment has been substantially reduced on appeal [ Enclosed ]. This will result in property tax reduction. There is no evidence of tax or hazard insurance rise or increase. 
When discussed with ditech staff on XXXX/XXXX/2017, the employee claimed : " this is your saving account. '' This is a bald face sales pitch lie, as no bank saving account pays 0.00 % interest. 
Ditech escrow manual states : " If the surplus is more than {$50.00}, we will send you a check for the surplus funds. '' This statement is in direct conflict with the claim for an unsubstantiated, meritless increase of {$92.00} per month, and the additional demand for immediate payment of & gt ; {$700.00} excess escrow monies. 
The ditech {$1400.00} escrow funds and collection attempts on mortgage account # XXXX must be terminated immediately. The {$1400.00} surplus currently in the escrow account must be paid, re-numerated, returned, to home owner.
Consumer complaint received 2016-08-23
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

We are trying to sell our home in a short sale due to a divorce/pending foreclosure. We also filed bankruptcy and our 2nd mortgage was supposedly included in that. Now the 2nd mortgage company, Ditech, is demanding {$20000.00} even though they have charged off the debt. 

The 1st/2nd mortgages were originally obtained through XXXX and the XXXX went to XXXX and the XXXX went to Ditech. Neither XXXX of these companies seem to want to settle this all once and for all. Our short sale contract has now been dragging on for 9 months. Meanwhile, XXXX filed to proceed with foreclosure even though we are doing our best to short sale and move on.
Consumer complaint received 2016-10-02
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC (NJ)

ON MY CREDIT REPORT A COMPANY CALLED DITHECT, I HAVE Disputed THIS ACCOUNT WITH credit bureau 's and then they the credit bureau Company contacted them and then all of a sudden they contacting us ... it 's been a charge off for a long time over 7 years ..now all of a sudden they reporting it recent and ca n't even list what the amount of payment..we never had a mortgage with Dietech. I had to put a fraud alert on all the Credit bueru 's this is one thing..the other thing is a company called XXXX ... they are another one reporting as charge off and with a comment unable to reach us..well us never had any contract with XXXX..and we never moved, never changed phone number, and now they reporting it as recent date while it should be removed..it 's way past the FCRA of 7 years And they also could not put the amount of payment..they broke the law and I will be filling a lawsuit against the credit bueru 's for doing this and allowing it and also for mental harassment on making our credit to be effected ... the credit bureau 's ca n't report one thing and then update with dates and numbers ..., done we are at our end of being harrased..please help seek why credit bueru 's are allowed to break the laws just because some company that does not even belong to us told them this is updated dates and numbers .it 's against FCRA law to do this..
Consumer complaint received 2017-03-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (IL)

On XX/XX/XXXX My Chase Bank account was mistakenly charged {$2100.00} dollars by XXXX. They admitted the mistake without problem and tried to help me recover my money. This transaction sent my bank account into immediate overdraft. 
Until the {$2100.00} falls off my account as 'pending ' I am in overdraft status. I was informed by Chase that this will take 3-5 business days, and a {$35.00} dollar overdraft charge for everyday my account is in over draft ( see photo ). What am I supposed to do for 3-5 days? I HAVE NO MONEY!!! 
The merchant talked to Chase. They have called and explained this to Chase that it was a mistake. 
I went to a Chase branch and talked personally to a personal banker. Chase will not escalate the drop off period for the charge because I did not meet one of the two criteria. Although I have been a good customer since XX/XX/XXXX ( according to Chase ) I only keep an average year to date amount of {$800.00}, even though the company I work for - XXXX- Direct Deposits 3 times that amount into my account twice a month. Because I do n't enough money in Chase bank daily they can hold on to my money longer??? 
I am filing a complaint with Better Business Bureau of XXXX and XXXX Illinois and Consumer Financial Protection Bureau against Chase. I have no money until this clears up for 5 days. They are a horrible bank. I will be moving forwarding to taking the necessary steps to close my account and I will inform the Executives at XXXX XXXX about my experience with Chase and how they treat their customers.
Consumer complaint received 2015-06-01
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC (NC)

On XXXX XXXX, 2015, I was scheduled to close on my primary residence home located at XXXX XXXX XXXX, XXXX, NC, as the home is scheduled for a foreclosure sale in XXXX. XXXX XXXX and I signed a purchase agreement for {$100000.00} for this property. The sale proceeds would have paid off my XXXX lien of {$84000.00}, and there would have been {$20000.00} remaining to pay off my XXXX lien. On XXXX XXXX, 2015, GreenTree, LLC verbally informed me that the would accept the remaining funds through short sale to pay off the XXXX lien loan, and take the charge off my credit. I faxed them all documents to complete the short sale transaction. GreenTree did not complete the documentation required for the closing. From XXXX XXXX, 2015 to XXXX XXXX, 2015, myself and the closing attorney 's requests, XXXX, XXXX XXXX XXXX, XXXX called them over XXXX times to complete the transaction. I personally, eft over XXXX messages for them to contact me and the closing attorneys to complete the transaction. DUE TO THEIR NON RESPONSE, THE BUYER WALKED AWAY FROM THE SALE and my home is NOW going to be sold in foreclosure in XXXX 2015. I AM LIVID AND DISGUSTED THAT THIS COMPANY WILLFULLY OBSTRUCTED AND PREVENTED ME FROM SELLING MY HOME. I am entitled to damages. Specifically, request that Green Tree forgive my loan with them and take it off my credit report, and pay off the first lien to XXXX. As such, I am requesting that this agency investigate this matter as Green Tree has violated all consumer mortgage servicing laws.
Consumer complaint received 2016-05-28
Product: Credit card — 
Issue: Convenience checks — 
Company: CITIBANK, N.A. (NY)

I used a convenience check with a 0 % APR until XXXX XXXX. Then at a later date, I used a convenience check with a 0 % APR until XXXX XXXX. I am told now that there is no way that I can pay the balance of the check that expires sooner without also paying the balance of the one that expires in XXXX XXXX, because the system automatically applies the payments to whatever account it wants to when they both have the same APR. Once my balance on the one account starts being charged interest, then payments would be applied to that one first. I was told that I should have understood that with the wording on the disclosure for the convenience check. But I do n't think that is made very clear in the offer. A creditor should be required to apply the payment to the promotion that is going to expire sooner.
Consumer complaint received 2016-10-14
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (NC)

I was a member of Costco. I did not need their service and let the membership expire at the end of the first year. Near the end of my membership, Costco switched from XXXX XXXX to Citi XXXX. I received a card in the mail without asking for it. I did not want the card. I called Costco and told them I was not renewing my membership and that I did not want the card. Costco said I would have to call Citi. I did, and told them I did not want the card ( which I had destroyed ). 
I later received a bill from Citi. I called Citi and told them that I had not activated the card and did not want it. I told them to reverse the charges on the card - which includes a {$37.00} late fee. I returned the billing stub with the same request. 
Soon after I began receiving calls at my office asking me to check my online account. These calls come nearly every day. 
I recently received another bill from Citi. I do not understand ( except in the light of the issues at XXXX XXXX ) why they will not close the account and move on. This is harassment and I have no intent to pay.
Consumer complaint received 2016-05-11
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A. (CO)

Citi closed my credit card account without warning. Customer service said they could not tell me why my account was closed and I had to write directly to Citi Bank. I wrote Citi Bank asking for an explanation and for them to reinstate my account. They responded via mail quickly, but the said they would not reconsider their decision but still would not offer an explanation for why my account was closed. As of the final billing cycle, I had accrued {$150.00} in cash back rewards and Citi deems these points to be forfeited due to the status of the account. If I had been warned of a shutdown, but did not heed the warning, then I could understand the forfeiture. However have my account was always in good standing and involuntarily closed by Citi without warning and my earned rewards involuntarily forfeited without explanation. This is not acceptable. Citi earns money per each transaction and promises rewards on these transactions to their consumers. If I had known I would not receive rewards for these transactions I would have taken my business to a competitor instead. Citi may have chose to cut ties with me, which is their right, but to not pay the accrued rewards I earned is extra revenue to Citi, directly at my expense. I sincerely ask Citi to pay the rewards due to me and to reconsider my business.
Consumer complaint received 2016-12-16
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (MA)

I made a {$20000.00} payment on my Citi XXXX AAvantage card. It was a direct transfer from my checking account. WITHOUT TELLING ME they placed a 15 day hold on this payment and then denied charges because I was over my credit line. I had to talk to XXXX people and the bank to prove that they had the money ON THE DAY I PAID IT. Basically they collected interest on this money for 9 days. I was able to force them to acknowledge that, and to correct their error. But the the first person tried to tell me I had to wait 15 days, which is ridiculous because those transfers are relatively instantaneous.
Consumer complaint received 2017-03-11
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO. (NJ)

This complaint is linked to CFPB # XXXX - this is the XXXX of the XXXX credit cards with Chase Cardmembers services. 
We were contacted by telephone on Friday XX/XX/XXXX at XXXX ( EST ) by a representative name XXXX who informed us that Chase was reducing our credit limits on all XXXX of our Chase credit cards because our debt to credit ratio was too high and we are now being considered to be a high credit risk. All of our Chase cards have a credit history of 2 years or more however to reach this decision, only 6 mos was used. After some minutes of discussion with XXXX, she transferred us to another representative XXXX. Things went downhill quickly with XXXX as he demanded to know " What are we spending our credit cards on? '' ( Not just Chase all of them - which is none of their business ) - XXXX, XXXX and later XXXX all insisted they used XXXX as the information source to reach this decision on reducing credit card limits on all XXXX of our Chase credit cards. 
On 2 of the letters we received from Chase cardmembers services ( we still have not received a letter on the business credit card ( XXXX ) the explanation on the letter indicates ( 1 ) Rapid increase in revolving balances ( 2 ) Balance owed too high ( on this particular card it was opened in XX/XX/XXXX with a credit limit of {$15000.00} and it only had a balance of {$3600.00} ) We have since paid this account off to XXXX. We have never came even close to maxing out the credit limits on this card. XXXX, XXXX and XXXX all admitted in the phone conversation, they did not even consider looking at the payment history on the card. 
Reason # 3 on the letter indicated the Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. Yet when we went to XXXX, there is no past due history and never has been. As previously stated THESE PEOPLE LIED. 
We feel violated and insulted by the action of Chase Cardmembers Services.
Consumer complaint received 2015-06-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: JPMORGAN CHASE & CO. (IN)

I attended the XXXX in XXXX XXXX Indiana from XX/XX/XXXX until XX/XX/XXXX. 

I recently filed a complaint against XXXX for false information that was given to me on my loan. Since then I was contacted by a woman who neglected to give me her last name from Chase. Her name is XXXX and the number that she has given me is ( XXXX ) XXXX ext : XXXX. 

While speaking to XXXX a week ago today, I was informed that Chase would be honoring my prior request for a refund and I needed to send proof of payment to her email at XXXXXXXXXXXX. I did this and was informed that she would be sending the XXXX dollar refund to my account. 

A XXXX later, there is still no refund. I have attempted to contact XXXX XXXX times in the past week to ask when this would be deposited, and her phone continues to ring with no answer. I have also sent XXXX emails to the address above looking for information. I next contacted XXXX who explained that they have heard nothing about a refund. 

I am completely fine with XXXX servicing my loans, however how is the borrower supposed to find any information when the XXXX companies do not work together to inform their customer? 

I wish to withhold all payments to XXXX until i receive my refund, however I know that I will then just be in a delinquency situation which will be my fault in the end. 

Can anyone tell me what is going on?