vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
mortgage co. foreclosed on our home without any knowledge to usi have tried to find justice before, only to receive spread sheets from mortgage coco. instead of directing the issue, that we were mislead and deceived. we could n't fight fight what we could n't see coming.. is there justice for us? I have a letter and documents attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-28 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.

Complaint narrative:
Last year I shopped at Brooks Brothers in XXXX premium outlet. A store staff introduced me the club card. I told him that I do not want credit card. He told me it is only club card. I gave him my XXXX credit card for payment. After I went back to XXXX, I realize that payment was not made on my credit card. Later I received brooks brokers credit card bill. I went me XXXX, XXXX and XXXX, but none of the bank in XXXX can help me to make the payment. 3 month later, I finally got chance to go to XXXX premium outlet again, but store staff in brooks brother told me that they can not make sure the account came up on their system is mine. I made {$100.00} payment to try. Next statement I received, it shows the {$100.00} payment. However, I was too busy to go there again in a few months. A friend told me that I can make payment in a US post office. So I told one working day off to the States again to make the payment by mail with exact amount owing. However, before they received my payment, {$16.00} interest has occurred again. Till then I have made about {$120.00} payment just in interest. 2 month ago, I received new statement with about {$30.00} balance. Today I 'm in XXXX XXXX, I went to brooks brothers in XXXX, store staff can not look up my account, so they called for me, and figured my balance is {$100.00} including late fee. I never had chance to see the fine print of the credit card, but I never heard late fee on credit card but interest before. They could n't help me to make payment in XXXX XXXX premium outlet, but told me that I should be able to do that in XXXX palace. I went to brooks brothers store in XXXX, they ca n't pull up my account neither. If I mail the payment, I bet new interest will come out, and new late fees. This is fraud now. I called them, and they do n't want to help me. Please help me sort it out.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
I received a credit card offer to apply for their credit card, I received this offer thru the mail. 
The card was CITI XXXX. They said if I was approved for this credit card, & then I spend {$3000.00} on credit card charges within the first 3 months of the card, I would receive XXXX XXXX Miles. I did apply for the card & was accepted. I did spend {$3000.00} on this credit card within the 3 month period of time. So, I did check on my XXXX mile account, no XXXX miles was given to me. I contacted customer service, & I did receive a letter stated since I had a previous credit card within the last 24 months -- no XXXX miles awarded. They stated I had a card 18 months ago. 
They send me this credit card invitation, I did not go to them. They then let me put {$3000.00} on the account, no letter or phone call to let me know that I was not eligible for the miles. 
I had to call them & ask what is going on. 
On XXXX/XXXX/2016 I did cancel this credit card. They send me the invitation to join, they never told me I was not eligible for the miles -- what a way to do business!!!!!!!!!!!!!!!!!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Credit card — 
Issue: Convenience checks — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
The Citi AAdvantage Credit Card is deceptive in its aggressive marketing of XXXX of the primary benefits of the card : First Baggage Checked Free & Group 1 Boarding when XXXX XXXX ticket is purchased using the XXXX. The benefit is only available to the cardholder who 's XXXX Number appears is attached to the account, regardless of how many cardholders are on the account. When I contacted the Citi AAdvantage Customer Service Line, the representative admitted that this is their # 1 complaint. 
They are forcing consumers to take on unnecessary debt ( get more than one card per household ) by limiting these benefits.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
I have been paying my SEARS credit card on-line for the last year. I took the electronic statements to save paper. Now I can not log into my account. The web site just hangs. I called them up and they stated that the account might be corrupt but they ca n't fix it. How am I suppose to pay for an account that I ca n't access and they ca n't fix? I no longer get printed statements so this is XXXX. Tell Citibank/SEARS to fix their system so I can make the payment I was making.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I filed this complaint on XXXX XXXX, 2016. It has been more than 60 days and even though I received a response from Citibank with a positive resolution to the issue, the miles promised have not posted in the account. The original complaint was this : I opened a checking account with Citibank online on XXXX XXXX of 2016. The account is a citigold and I opened it online and used a promotional code to receive XXXX american airline miles. I had to meet certain spending and payment requirements within three months, which I did. When I opened the account online I used this promotional code XXXX, which was then confirmed as valid. Three months later, I followed up via chat online with a representative of Citibank who confirmed that I was eligible for the promotion. Early in XXXX I sent a secure message to citibank to follow up on the promotion as I had already waited 90 days since meeting the requirements and no miles were posted to my account. The reply to that message as that I was not eligible for the promotion. Thus I am following up with a complaint to the consumer finance protection bureau as I believe Citibank misled the potential consumers. 
I have participated in many other promotions online for finance institutions and when I was not eligible for a specific promotion, the system would let me know as I was taking steps to open an account. Citibank 's actions are not acceptable as I spent time and money to open the account, invest funds, set up payments, follow up on the promotion, with contradicting messages from the representatives. 
Thank you, XXXX XXXX The current claim number is : Case number : XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
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.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: MN

Complaint narrative:
ditech Mortgage- they changed my payment amount and the payment I did make was short about {$35.00} due to a change in escrow. They have not applied the amount that I paid to the account. I over pay every month and there was {$66.00} in unapplied fund that have just disappeared. I really do not know why they are not posting payments when they receive them and if they are hold funds that should be applied to the loan should we expect that they are paying us interest on that money? ditech has been the worst Mortgage company I have ever dealt with. XXXX consumers are complaining about the same information. Please look into this company so that they are treating consumers fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
In XXXX I received a letter stating " Green Tree Servicing LLC and DiTech Mortgage Corp will combine to form DiTech Financial LLC, known as ditech, a XXXX XXXX, effective XXXX XXXX, 2015. '' In XXXX 2015, DiTech sent me a notice of default. However, since XXXX 2015 I have been trying to provide the documents DiTech requested to approve a loan modification. It has taken DiTech almost 4 months to accept all of my documents and approve me for a loan modification. I have now been waiting over a month for DiTech Representaive XXXX XXXX XXXX to forward me an overnight envelope with the loan modification doccuments for me to sign.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: United Debt Holdings, LLC
State: TX

Complaint narrative:
Company claims to have a courier company to send me legal documents and are trying to serve me with papers. They are stating that I owe them {$1200.00}. A man named XXXX XXXX is calling me stating that I have to appear in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
For the past several months there appears to be an extra charge on mortgage statement of {$32.00}. I contacted my mortgage company several times about this ( Greentree Mortgage ). And every single time I call, their representative gives me a different excuse for that charge ... i was told its a late fee ( their late fee is {$26.00} ), I was told I over paid XXXX month and because of that their system now thinks thats my new monthly payment, i was also told that years ago my previuos mortgage company did an inspection and thats what that charge is for. I even spoke to a supervisor who told me that there was an error in the billing, however all those customer service representative said to disregard that and that it would be corrected. After months of calling them and getting different answers I 'm still getting this charge and no one can correct this. I even sent an email to the company. Just on XXXX I called XXXX times got no where, XXXX person I spoke with transfer to someone else who then put me on hold while she research the account then hung up on me while I was waiting for her on hold. I feel there 's a mistake on my account and no one wants to correct it because whenever I call their customer service rep does n't understand my account, puts me on hold and then they all give me a different reason for that charge. By the way my monthly statement does not give a reason for that charge.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
re : Ocwen loan # XXXX for XXXX in XXXX, NY Despite repeatedly pleading guilty to NYS DFS & CFPB for mortgage servicing violations, and a court order demanding that Ocwen give us access to ALL ORIGINAL loan documents related to the phony loans placed on our home at XXXX, XXXX, NY XXXX, Ocwen has refused access to visit the loan vault in Florida were we were told the original pen and ink loan docs are kept. 

Ocwen did in fact mail us several XXXX photocopies of files that show many other loan numbers attached to our loan still on the house. But, they refuse to show us the transfer history nor the amounts paid by Ocwen to buy this loan. 

Ocwen has stated the loan is paid down to zero, creating a forgiveness of debt issue for us for the {$160000.00} value of this note and mortgage they hold. 

XXXX would like the note and mortgage assigned to him for XXXX dollars since Ocwen claims they have no interest in it any longer. 

Please authorize Ocwen to assign this loan and mortgage to XXXX. 

We also demand a complete history of the escrow account attached to this mortgage with Ocwen. XXXX of dollars was paid into and out of this escrow account and we want a full accounting with the cancelled checks of who got this money. 
Thanks so much. 

XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
I was robo signed into foreclosure by XXXX because of the robo foreclosure they aggreed to settle the account for no more than the balance before I missed a payment I attempted to get a loan modification over many months where I was told first I made to much money, then not enough to allow a modification. 
through out this ordeal my arears kept fluctuating, 1 month it was XXXX then the next month it was XXXX. 
I ask for an accounting and never received it My attorney filled for arbitration on the modification and we had a hearing with the arbitrator. 
One week before meeting with the arbitrator I was layed off so the bank told the arbitrator it was a mute point to continue, which I agreed to but made sure I ask for an accounting of arrears for the record and the banks counsel said we would have it in a week.4 years later I am still waiting on it. 
Soon after that XXXX went into bankrupcy and were aquired by Green Tree Capitol. 
Again I started the process of a loan modification and trying to get an accounting of the arrears For 6 months I supplied the information they requested in their time frame only to be told they need something different before they could approve it. 
Durring this time I had a date for sherifs sale of XXXX XXXX 2013 and dozens of letters from Greentree stating they would not pursue any foreclosure/sale action as long as there was an active modification in process. 
In XXXX and XXXX I called Greentree 2 to 3 times a week asking if they needed anything to process the modification and also talk to them about canceling the sherifs sale per their own written policy that it would not be pursued, and was always told do not worry about the sale it would be canceled I met with an attorney in early XXXX, showed him the letters stating Greentree would not purse action while in the modification and he told me that was their XXXX XXXX and they would proceed regardless of what the letters said going into XXXX weekly I submitted more paperwork followed by a phone call asking if they had everything and asked when they would cancel the sale, which they assureed me they would and had plenty of time and then they would send a letter asking for something different. This went on untill a week before the sale with my last conversation was they would cancel the sale. 
The week of the sale I called 5 to 10 times a day and no one would talk to me about my modification and when they would be canceling the sale. 
Finally at XXXX the afternoon before the XXXX sale someone picked up my call and told me they changed their mind the sale was going through and i should not have gotten behind I then called the Ohio XXXX office and someone reached out to them with no avail. 
The result of the sale was @ loan balance {$280000.00} sale price {$500000.00} and needing to move out at XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
Call to my office that I have not provide the number to them

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Frequent or repeated calls
Company: Ditech Financial LLC
State: MN

Complaint narrative:
I am writing to you about an account that Green Tree Servicing LLC which they purchased from another company called XXXX XXXX XXXX ( XXXX ). My account has been written off by the vendor for over XXXX years or so ago. On my last credit report which it did state it was written off and then the amount on that account was about XXXX times less than what they are claiming. I have all of my credit reports stating that fact. Also, They have been calling my house non-stop. Getting about XXXX of their calls about this. Then non-stop letters in the mail about this as well. I will be sending this information and my concerns to the Federal level, XXXX and also my congress person XXXX about this matter. I already tried talking to one of their representatives about this matter, but all he did was yell at me and also treated me like garbage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I have already filed a complaint with is company to no avail. Ditech complaint # XXXX. I have spoken to numerous persons with the company many supervisors. XXXX XXXX # XXXX, XXXX # XXXX, XXXX # XXXX they have all tried to contact and emailed XXXX XXXX whom I received a letter from ( should be on file ). They statements made in the letter were never followed through with. According to the persons I have listed and spoken with I still have an outstanding balance of {$4300.00} and to date am 168 days overdue. 
XXXX XXXX has never contacted me or taken care of the OVERPAYMENT that was made by me when the loan was paid off. 
I understand from the letter that he has forgiven the moneys owed, however I NEVER OWED ANY MONEY. Ditech owes me money. I have been told by the title company and my C.P.A that I overpaid close to {$2400.00}. 
I have been trying to get this settled for close to 3 weeks. In the letter he states it will be settled within 1-2 weeks. Well I am going on 3 weeks and nothing has been settled. 
I have been very patient and trying to avoid paying an attorney to take care of this matter ( I have already retained one ). I will give Ditech 10 days to take care of this matter, and return my overpayment. I will then persue my only other option. 
This has been this worst morgage company I have ever delt with and will continue to persue. They are wrong in this matter and SHOULD be reported as I am doing, for all there illegal doings. 
Thank you, XXXX XXXX

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation