vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: WA

Complaint narrative:
I have made my mortgage payment to DiTech on XXXX XXXX, but has still not been taken out of my account. Online DiTech site shows a payment was applied for the date I did the online payment. I 'm wondering and waiting for the payment to actually be debited from my account but also think this tactic is to get more late fees from me. DiTech has not let me know by mail if my loan modification loan was accepted or denied. I put the paperwork in XX/XX/XXXX and was told on a phone call in XX/XX/XXXX my paperwork has n't had a loan person assigned yet as I have a XXXX loan. I just need to know what 's going on other than by harassing phone calls about my late payments. Not at all happy with them and think the federal government show investigate this compsny

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Filed for a loan modification on XXXX XXXX, 2015. I called yesterday, XXXX/XXXX/2015 and explained we have n't received anything from Greentree. They stated they sent it to the lawyer that answered their complaint because it was the law. I needed to send them a letter stating I need them to send it to our mailing address

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
As a homeowner a Chapter XXXX Bankruptcy was filed XX/XX/XXXX, and Discharged XX/XX/XXXX. Then my servicer was XXXX XXXX XXXX, I have entered tow ( XXXX ) separate Modification agreements XX/XX/XXXX and XX/XX/XXXX the current Servicer is DiTech. The Servicer refuses to sign the Re-affirmation Document. DiTech, has referred me to my attorney whom has stated the Bankruptcy was done correctly and it can not be re-opened at this time to include the Reaffirmation of Debt. The Servicer simply must sign the Reaffirmation Document however, DiTech refuses to sign the document. I am caught in the middle, I have made all of the payments under XXXX modification agreements on time, I am being penalized for an error that occurred unbeknownst to me. I think this is unfair and need assistance in this matter. DiTech insists on this being a legal matter and the attorney insists DiTech is not adhering to the process of simply signing the Reaffirmation documents. What do I do to get the help I need as a Homeowner whom is making my payments, but caught in a cycle. My credit report does Not reflect my mortgage at all.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
Was yelled at on XXXX XXXX by customer service, called a liar, and they told me my account had been delinquent 120 days over 100 times which is a complete LIE. I had XX/XX/XXXX payments that had cleared my bank and still not posted in their accounting system and they were telling me I was giving them inaccurate payment info and that I had not paid on my account when the payments cleared ... I even sent a letter where the payments cleared my bank. They call MULTIPLE times during work hours to a cell phone at work after explicitly telling them not to call that number. They still call. My account has only been 30 days late on a 17 year old account and they treat me like I am a criminal. This company is so much worse then Greentree ever was. I hate these rude XXXX people. Worst company on the planet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
DiTech, appears to randomly placed reallocation of money on my mortgage. After two calls they are unable to tell me why my principle increased. The principle on XX/XX/XXXX statement was XXXX, we made at least two payments of XXXX against principle on XX/XX/XXXX and XX/XX/XXXX. My statement of XX/XX/XXXX reflects total of XXXX If Ditech, as done this to a significant number of clients, the additional interest they are getting could be astronomical

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-29 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: NM

Complaint narrative:
Ditech obtained the servicing of our first and second mortgage earlier this year. We were solicited to do a XXXX Refinance on our first since the rate was 6.125 % and they could do better. We started the process on XXXX XXXX, 2016 and did not finalize the process till XXXX XX/XX/XXXX2016. Multiple Loan Estimates were sent throughout the process with changes to figures with out a Change of Circumstance Letter to accompany the changes explaining why and what was changing. Ditech pointed the finger at XXXX XXXX XXXX and XXXX XXXX pointed the finger at Ditech as to why someone had dropped the ball on ordering the subordination of our second. I had to tell Ditech multiple times that we had paid for an appraisal out of pocket yet they continued to show the fees. The lock expired on XXXX/XXXX/2016 so they had to extend it. XXXX estimate shows the extension fee to us which they later retracted because it was evident that they were responsible for the delays in what should have been a relatively easy refinance. 
Ditech sent me the Closing Disclosure on XXXX XXXX, 2016 via a docusign email rather than through the password protected website known as XXXX XXXX. The file was corrupt and I could not open it. I called them to advise, however no body called me back. By Monday evening the XXXX of XXXX I had still not heard back from them so I called Title to advise that we were unable to open much less electronically sign the CD to start the three business day clock so we could close. I received the CD on the XXXX and we esigned it. They insisted that we sign documents on the XXXX of XXXX which was not the full three days required by XXXX. I am in the mortgage industry so I advised that we really should be signing the XXXX of XXXX. They advised that that was not the case and left the documents dated for a XXXX closing. On XXXX XXXX, we received a past due notice dated the XXXX stating that our mortgage was past due even though the loan was in recission. I understand the notice however, the notice was mailed to our home address but had the names of other individuals on it. I do n't know who these people are, but none the less it was alarming that they had violated the XXXX Rules by putting someone else on the notice. It makes me wonder who got a notice with our names on it. We were never provided a copy of our credit reports even though we requested them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase Mortgage has ruined my life. Just look how they reported ... XXXX LIE! If I 'd have been that delinquent, do n't you think they 'd have foreclosed? I have paid their cheating inflated unsubstantiated monthly note for 16 years since 2001. They SAID THEY THOUGHT WE WERE XXXX YEARS OLD, SO THEY 'D MISCALCULATED OUR PAYMENT! They ARE International criminals -assessed.what XXXX, or XXXX and supposed to compensate mortgage holders. Not me - they ALWAYS say I 'm behind " ... uh, because of escrow, or uh, because of shortage in last payment compounded blah blah liars liars thieves. I WILL get a forensic accountant to find where they 've done, besides two times they collected {$12000.00} cash on XXXX or they 'd foreclose!!! and then sold my house anyway, but I was at the sale and had it stopped! They SO LIE about all. another try, their lawyers had to have certified teller check for {$12000.00} on XX/XX/XXXX " or else ''. They Systematically deny my application for HARP or mortgage interest lowering '' the underwriters rejected your app '' they MAKE sure something goes wrong so that i ca n't qualify ... like the credit report. now i see the damage they 're continuing to do. I 've PAID for that house, which by the way, was an original XXXX in 2001 of {$150000.00}. This report is a refinance from 7.5 down to 5.5. THEN they said we were XXXX!!! The amount then financed was NOT {$150.00}, ooo. it was {$120.00}. Maybe someone can now investigate their ruination of me. THEY called my creditors - I always made my payments, but all of a sudden, all the vendors cut off my credit. I was stunned. Chase did it. Also, they say I was late all those times ... can no one see what 's going on? ALSO, Finally -- at XXXX, my husband got a LOT of pay from OT. Then, in XX/XX/XXXX or XX/XX/XXXX, XXXX stopped it. He still works a lot of events, but he stays HOME 2 or 3 days a week when that happens, then works 18 hour days. We lost $ XXXX every single month. Plus, we had a baby, and he never would take care - to doctor, etc. She got sick I out more than director wanted and I got FIRED!!! at XXXX. I found a great job, but 20 hours only. Still no 40 hour jobs avail. So, we went from fine, with savings adds every month (! ) to no salary from me + then XXXX, and no oT from him. Chase Mortgage THAT month jacked note from {$1000.00} to {$1700.00}, and kept for 6 months. They broke us on purpose, and I lost my good credit name.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I attempted to deposit cash into my father 's checking account at Chase bank. I recently moved and I am no longer able to drop off cash at his home. I was advised that I can deposit a personal check but they would put a hold on it. I had already gone to my bank to withdraw the {$1000.00}. They asked if I am a Chase bank customer and I said yes that I have a credit card with the bank. The teller said she could due a cash advance for a fee from my account. To me, Chase is just trying to make things harder for their customers to bank at their institution. This is a ridiculous rule that does n't really safeguard bank assets and it is wholly inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/2015 Chase raised my interest rate on a RATED LOCK that I had had for a long time. I was not notified about this by mail or phone. I would have NOT noticed it except that my interest seemed higher even though I was making large payment reductions. I was told last week by Chase that I had phoned in a request to UNLOCK my rate. I did not phone in and request that they UNLOCK my rate so Chase could charge me more interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC
State: MD

Complaint narrative:
Good Day, I am going through A horrific time with Westlake Financial Services. I finished my XXXX XXXX XXXX XXXX in XXXX in XXXX. I signed a loan with Westlake Financial from the dealership where I bought my XXXX Ford Thunderbird. I have been getting hassled ever since, Westlake Financial has recently repossessed my vehicle which I have struggled to go back and forth to work in recent days. For the past four years I have received harassing calls from them and although I have many late payments, I have come upon my final payment of {$780.00} finally! after the repossession, they tell me that I have a repo fee of {$350.00} plus {$30.00} for every day it is in reposession plus the final payment of {$780.00}!!! 
I believe I am seriously getting taken advantage of by this business. I have been paying them for four years. They do not take into consideration that I am a United States Armed Forces Member and I will fight to seek some form of litigation. Is there any further help I desperately need it. 

XXXX, XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I was billed by an automated fuel dispenser for fuel I did not receive. I was told by the merchant the fuel dispenser had been damaged and they would " make it right. '' I made several inquiries regarding the error and have been ignored. I submitted a dispute through my card issuer, JP Morgan Chase, who sent me a letter indicating they validated the claim after they determined the " merchant provided the services for which I was billed. '' Curious since the bank employees indicated they were not able to contact the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My XXXX husband my a Chase XXXX transfer from his Chase account to my Chase account for {$550.00}, on XXXX/XXXX/2015. On XXXX/XXXX/2015 I did not see the money in my Chase account. When I inquired to Chase, they said it was accepted into a XXXX XXXX account ending in XXXX, via XXXX. I checked my personal XXXX XXXX account, it did not end in XXXX and the money was not there. I called XXXX, they said they only act as a clearing house for money transfers and that it 's a Chase issue. Chase says it 's a XXXX XXXX issue and XXXX XXXX does not find the money anywhere and says it 's a Chase issue. NO ONE IS HELPING ME!! I have a " transaction number '' yet it seems to be worthless. WHO CAN I GO TO FOR HELP TO RETURN OUR {$550.00}?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I deposited a check # XXXX for {$4000.00} XXXX to a XXXX account in XXXX WI. Funds to cover the check was placed in my account 4 days prior to the date the check # XXXX was to be credited to the account in XXXX WI.However Chase bank did not release the funds on XXXX XXXX information given by the teller. Instead Chase released the funds on XXXX XXXX Wednesday, a day after.. Because of this delay to release the funds Chase charged me US $ XXXX.for insufficient funds fee and the bank in XXXX WI. also charged XXXX for insufficient funds fee. I want chase Bank to return the fee to my account and to pay back the fee charged by XXXX XXXX in XXXX WI.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-07 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Our Condominium Owner 's Association is a small association of XXXX condominium units. In XXXX XXXX, one of our owner 's, stopped paying her monthly dues. A Notice of Delinquency was mailed to her on XXXX XXXX, XXXX. Shortly after, she was admitted to a XXXX. The Association was informed that it was unlikely she would be able to return home. 
Monthly dues have not been paid for 18 months. We placed a lien on the property on XXXX XXXX, XXXX. 
As we are a small association of elderly residents, most on a fixed income, the remaining owners have had to make up the shortfall, which is a hardship for all. We have had to not only cut back on much needed maintenance projects, we are unable to adequately plan for future major expenses. Though various residents have undertaken to help maintain the property, it continues to decline in value as it has not been occupied for so long. 
We have contacted a real estate agent who has been working with the mortgage holder of the property. Our understanding is that Chase Bank has yet to foreclose on the property, even though the mortgage is in arrears. Other real estate agents in the area have had offers on the property, but, according to agents, Chase will not respond to any of these offers. 
We are desperate for relief in this situation. It is affecting not only our individual finances, but also our quality of life and the investments we have worked so hard to maintain. 
Please let us know what steps we need to take. We greatly appreciate your assistance. 

XXXX Condominium Owner 's Association

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
They then put a 30 day late on my credit reports. I have tried to get them to remove this and they refuse. This was not my fault because I never received any notification by Chase. I finally setup electronic statements and then received them. I have done everything I can to resolve this with them with no luck. I just want the 30 day late removed from my credit reports. If I was responsible and it was my fault I would take responsibility but this was Chases fault. Now because of this mark on my credit this has lowered my credit score and I was not the responsible party that caused this. As I stated before by past record never showed any late payments on any of my accounts. In fact in my entire life I have never had a late payment on any of my revolving credit card accounts with any company, that 's a fact. I am now XXXX years old and why would I do that now? Chase has been a great company and service until now and they refuse to work with me on this. 15 years with Chase alone and never one late payment so why would I have one now unless this was a unique situation and not my fault. Individuals should not be blamed for mistakes that Chase makes. Have them check all my accounts through them and not one has ever had a late payment. Why would I have one late payment when my credit through them has been perfect. Why would they credit the late fee if they were wrong? Why is Chase so willing to ruin peoples credit with no consideration that I have been a customer of theirs for 15 years and never one late payment? This pertains to account number ending in XXXX. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
I applied for a Chase XXXX XXXX XXXX credit card in XXXX 2016. The offer I applied for was for XXXX XXXX miles after {$2000.00} spend in the first 3 months. Shortly after applying, I saw there was a XXXX XXXX miles bonus after {$3000.00} spend in the first 3 months. 

I contacted Chase to match the offer. They responded that they were able to extend the offer to me, if I increase the minimal spend from {$2000.00} to {$3000.00}. I accepted their offer. After putting the additional spend to meet the new {$3000.00} minimum for the XXXX bonus XXXX miles, I messaged Chase to process the additional bonus. They informed me that they could not honor the offer. 

Chase had extended an offer to me, that required me to put additional spend to meet this new offer, then refused to honor their end when I met the requirements of {$3000.00} spend. 

Find attached a screenshot of the message of Chase confirming they extended me the offer. 


Dear XXXX XXXX, Thank you for contacting Chase regarding the enrollment bonus offer on your XXXX XXXX ( R ) Explorer credit card account. 

We 're delighted to welcome you as a new customer and we look forward to serving your credit needs. Let me share, because your account has been opened for less then 90 days, I am pleased to advise that we can honor your request to receive the XXXX bonus rewards enrollment promotion. However, this enrollment promotion is associated with {$3000.00} spending threshold which has not yet been met. Therefore, I would ask that you please reply to this email once you have met the associated {$3000.00} spending threshold by or before XXXX XXXX, 2016 and either myself or XXXX of my colleagues will be happy to assist with your request. 

Kindly note, purchases do not include balance transfers, cash advances, cash-like charges such as travelers checks, foreign currency, and money orders, any checks that access your account, overdraft advances, interest, unauthorized or fraudulent charges, or fees of any kind, including an annual fee, if applicable. 

If you need any other assistance, you can send us a secure message. We appreciate your business and thank you for choosing Chase. 

Thank you, XXXX XXXX Customer Service Specialist. 
XXXX Original Message Follows : -- -- -- -- -- -- -- -- -- -- -- -- Hello, I recently signed into my XXXX account and saw there was a XXXX XXXX XXXX XXXX for the XXXX XXXX card that I recently signed up for. 

Would you kindly match me to this offer? I 've attached a screenshot. 

Thank you, -XXXX [ Attachment XXXX Type : application/octet-stream Name : Screenshot XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief