davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO. (AZ)

This is mostly FYI, so something can be done to force changes that will fix a bigger issue with this company. 

Chase Credit Cards have a " leak '' in their email system which causes emails for a credit card to go to an email different than the one on file. 

This is an issue I have dealt with since Chase took over XXXX XXXX accounts. That is almost 10 years! 

The latest issue involves two different credit cards [ both business cards ], one is a brand new card we had to apply for after a year and a half of no resolution from Chase for the same issue. 

Issue : Brand new card, went online, setup new login for new card, set up new alerts for new card. Not getting alerts. Went digging, found all the card alerts in a COMPLETELY DIFFERENT email account. Called Chase, verified the email on file for alerts, told them the alerts are not going there. Told them to remove any other emails associated with that card and that card 's alerts. They are working on. 

Had the same problem with previous business credit card from Chase. After a year and a half of trying to get resolved, we finally had to just close the credit card and apply for a new card. 

Have the same problem with another credit card for a different business. This week had to call to cleanup the information I was seeing on line but could not edit. They had to edit from their end [ for items I should have been able to edit myself ]. They had to completely remove an old credit card that had been a XXXX XXXX card that had been closed for years and should not have even still been in the system. Then they had to update emails, phone numbers, etc. Then they said it would take 24 hours for the system to update and to call them back if still problems. A few days later I went back in, setup the alerts with the correct email and got " Alert Activation '' emails to THREE different emails. I only used ONE! Had to call back to have them explain why their system is sending to three different emails when TWO of those emails are not even in their system any more. Still waiting for a resolution. 

I would have hoped that with new cards, this issue would be resolved. Nope! 

Someone needs to go into Chase and make them cleanup their systems to resolve this problem. Surely I am not the only one that has email notifications going to the wrong emails, and I have had this issue on at least 5 different cards. At one point, we made an email change online and received an email verification with a DIFFERENT BUSINESS name than ours. There is a huge association error inside Chase credit card systems.
Consumer complaint received 2018-07-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Delta Management Associates, Inc. (TX)

I have been receiving calls on my cell phone from Delta Management Associates. I have spoken to two different representatives. They are trying to collect a student loan for a XXXX XXXX College, which I never attended. I assume they are calling because I have the same name as the person who owes the debt. The first representative confirmed it was not my debt by my date of birth. The second wanted my social security number also, which I refused. They continue to call me almost daily. They call from what appears to be a local number, but the callback number is XXXX ext XXXX
Consumer complaint received 2018-03-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY (CA)

Credit card : AMEX Gold Delta SkyMiles. 
I haven't received a promised reward which includes a XXXX bonus miles and a {$50.00} statement credit. I have contacted them over 20 times through a live chat since XX/XX/XXXX. 

These are some of the logs that I have. 
XX/XX/XXXX - Amex opened an investigation of the issue. 

XX/XX/XXXX - The representative updated the notes on my account. 

XX/XX/XXXX - The representative told me that the investigation is in progress. I could check the update by next statement on XX/XX/XXXX. 
- The representative told me that the investigation normally takes 6-8 weeks. 
- The representative confirmed that I am qualified for the bonus miles and a credit. 

XX/XX/XXXX - The rep said, " Thanks for waiting, I checked and see the investigation is open and our team is working on it and once it is resolved, you can contact us to know the result for this. '' - The rep mentioned that the investigation was opened on XX/XX/XXXX, instead of XX/XX/XXXX as mentioned earlier. " This investigation was opened on XX/XX/XXXX and takes 6-8 weeks time but in most cases, it is resolved within 1 bill cycle. '' XX/XX/XXXX " The welcome bonus offer credits are not yet released and the case is still under investigation by our dedicated team. it is bit a longer than usual for a case to open as usually a case resolves in maximum 6-8 weeks. '' " Whenever such scenarios are reported, we find the root cause to make sure thinks are correct for all the customers too. '' XX/XX/XXXX - The rep admitted that something is wrong with their system. 
" There was an error, and most of our card member faced this problem. We've received updates from our investigation team and they have most of the account. '' XX/XX/XXXX - The rep mentioned that the issue was already escalated on XX/XX/XXXX. 
" I can see it is already escalated and previous supervisor is already working on it. However once the details are updated we will share the same with you as well. i'd request you to please wait for sometime as now it shouldn't take much time to get investigation done. '' XX/XX/XXXX - No progress " These investigations take time as back team needs to check each and every details about the bonus offer. ''
Consumer complaint received 2018-06-06
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Department of Education and I had a communication lapse. I had moved and received absolutely no notices about the student loan. There is only one ( 1 ) student loan. I was called at work one day in early XXXX. Suddenly they were garnishing my check for the student loans. I was never given the opportunity to apply for Income Based Repayment, Hardship, or forbearance. They have be garnishing my wages ever since. They are paid approximately 15 % of my check every two weeks for over the last 5 years.

They are reporting 9 different accounts on my credit report of which 4 they are  reporting as collection accounts and show the last activity in XX/XX/XXXX. 
Here is an incomplete list of the discrepancies they have shown on my report despite me trying to correct them : 1- There is only 1 and they have reported 9 accounts.

2- The account has had payments made every single month for the last 5 years. They do not reflect this. 
3- They list numerous account numbers.

4- I have never been given the opportunity to apply for forbearance or any program to help me deal with them.

I did speak to one person who told me that if they took it out of garnishment the payment would be higher which I could not afford. I was never contacted prior to the garnishment.

I have spoke to Transunion, XXXX and XXXX and let them know there were more than one duplicate and that it was being reported correctly but there was no resolution.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

For the past few months, I ; ve disputed XXXX reporting of a 120 late payment to XXXX XXXX XXXX XXXX. Unfortunately, they continue to report this. They are reporting a commercial property on my personal credit. This property is an active hotel and the master deed states that it's for transian use only, so you cant live there. I was in a rental pool and was an income generating property. And, XXXX XXXX clearly states that properties with Hotel signs do not qualify for conventional mortgages. XXXX had no business lending in this arena and that's why they no longer do. This is not a home, nor could it ever be one. This was ownership of an income generating hotel room. All you have to do is XXXX the address of the loan and you'll bring up the hotel.
Consumer complaint received 2018-03-09
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO. (GA)

As the Seller I have been treated horrible, and after 67 days our home still has not closed and we still have no closing date. 

Working with Chase Mortgage has been a nightmare. Our pre-qualified buyer and I decided to use Chase Mortgage Banking since were both Chase customers. However, if we had known in advance of the incompetence, inexperience, lack of professionalism and continuous resubmission of documents, we would not have used Chase to close my home. Every time I tried to personally get information from the lender he said I had to ask the buyer, because he couldnt give me information for privacy reasons. Since when cant a lender give the Seller information regarding the buyers documents status and the closing updates on Sellers home? 

History : I put my home on the market XX/XX/XXXX. The buyer and I signed the contract XX/XX/XXXX. XX/XX/XXXX XXXX XXXX of Chase Mortgage received our contract and said everything looked great and we should be able to close in 35 days or by XX/XX/XXXX. The appraiser came on XX/XX/XXXX and we renegotiated the price based on the appraisers low estimate ( that is another complaint ), with an addendum to our contract. The new addendum was signed and submitted to Chase on XX/XX/XXXX. By the way, per the original contract the approval letter should have been submitted within 5 business days. That didnt happen. Our buyer received her approval letter via mail on XX/XX/XXXX. 

Complaint : On XX/XX/XXXX when I complained to XXXX XXXX, Home Lending Advisor about the lack of communication on updates, changes, documents, closing and response to questions asked, he said not to speak with him and to solely communicate with our first time home buyer for information and feedback in the future. Chase lending has not been responsive to me, the buyer or the Attorneys office with updates or the closing status. After 67 days, no one knows what is going on. Is this how Chase Mortgage trains their lending staff to treat valued mortgage customers, or is this treatment reserved for XXXX and XXXX? 

After selling three homes, Chase lending has been the absolute worst experience. The treatment throughout this process is unacceptable. Every promise Chase Mortgage has made has been broken, without apology. 

This is what I want to happen, immediately. After 67 days with no closing date scheduled or insight, I want to know our exact closing date and time today. I want Chase lending to communicate with me and the buyer directly and have us close as soon as possible, without any more excuses and needless request.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (PA)

There is an account that is on my credit report with XXXX XXXX XXXX that is in a derogatory status. I had paid this account off with another creditor in XX/XX/2014. I contacted XXXX XXXX XXXX  and they advise that they have removed me from their files and they have contacted Equifax and reported to them that the account has been removed. This is still showing on my credit report months later. I tried to file a dispute with Equifax and they report that the account is correctly reported on my file. I have filed a complaint with XXXX XXXX XXXX  and they advise that the issue is resolved on their end ( see attached complaint form from your office. ) I tried a second dispute with equifax and their system will not let me file a complaint online. I am in the middle of trying to purchase a new car and can not because this negatively effects my credit. I have not had any issues like this until the Equifax breech. 
EQUIFAX AND XXXX XXXX XXXX  SEEM TO HAVE INEFFECTIVE COMMUNICATION.
Consumer complaint received 2018-07-16
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Outsource Group, Inc (WI)

I have reached out to XXXX XXXX on multiple occasions asking them to provide me with verifiable proof that the debts they are seeking to collect on are mine, and that they reserve the right to collect on such debts. After receiving a Ietter from them dated XX/XX/18, I have sent them letters requesting verification ( XX/XX/18, XX/XX/18, XX/XX/18 ), in which they responded on XX/XX/18 saying that they were currently investigating the matter. And, after three months of correspondence, they have failed to provide me with a copy of any original document bearing my signature, as well as any agreement between them and an original creditor stating that they have been granted the authority to collect on such alleged debt.
Consumer complaint received 2018-07-16
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC. (GA)

Called multiple times. Last call was XX/XX/2018 at XXXX. After calling the robot call back, I talked with agent and found out it was for someone who previously owned phone number. I informed them this is the wrong household and to remove from their calling list.
Consumer complaint received 2018-07-16
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

I recently learned capital one credit cards do not release my spending information to 3rd party apps through plaid when requested. This started around XX/XX/XXXX. This is something that should be my right to do with as I please! I use the app drop to earn points from spending and they just notified me of this. Many others have reached out to capital one and you about this issue. Thank you
Consumer complaint received 2018-07-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (OH)

During XX/XX/XXXX I filed a Chapter XXXX filing in Federal Court. On my filing I reconfirmed my mortgage at XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX OHIO XXXX with Bank of America account number # XXXX. My wife XXXX XXXX who is also on the mortgage and deed did not file with me. We worked with the CFPB during this process and had our mortgage was modified and final approvals from BOA and XXXXXXXX XXXX coming during XX/XX/XXXX. At this time we signed and returned documents back to BOA that included updated XXXX XXXX Ohio mortgage deed papers to be filed in the County with both of our names on this updated deed document. 
We are now approved for a new mortgage with a bank/2nd home in Florida this year and the new bank after reviewing the BOA mortgage documents from our OHIO property mentioned to us that BOA says on the monthly documents that our OHIO property according to their documents is still subject to the Bankruptcy court and the property was not re-affirmed by me/us. 
I called this week XX/XX/XXXX and talked with XXXX employee # XXXX BOA and she told me that BOA does not have me re-affirming the loan on my Chapter XXXX filing and that we are just " renting '' the house from BOA. Pretty surprising that BOA not only has the Chapter XXXX filing documents that recieved from the court wrong in their database but that they don't even show our mortgage was modified them and this re-finance included new county ownership documents that were filed by BOA. 
After the Great Recession and the thousands of home owners that worked with the CFPB and modified their mortgages I wonder how may other consumers have the same incorrect paperwork on file at BOA????
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation (NY)

I have two loans with XXXX and the mortgage service provider is refusing to provide payment history for both loans. I have called 7 times and requested payment history and the company will not send it to me. Also I found a mistake in my escrow account and requested that mortgage service provider perform a new escrow analysis and it has been more than a month and nothing has been done. The service provider is PHH Mortgage Services located at XXXX XXXX  XXXX XXXX XXXX NJ XXXX.
Consumer complaint received 2018-03-09
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY (CA)

Received a letter, XX/XX/XXXX citing that Wells Fargo " collected an incorrect amount related to a title fee at closing '' dated XX/XX/XXXX. A check for {$96.00} was issued with no mention, redress of interest that would have accumulated on this amount. 
As a banking institution -- for them to have made the " error '' in their favor, and to have not issued a refund INCLUSIVE of interest, not to mention paying a penalty for charging me fees related to titling but not doing so correctly, is egregious. I made a call to the company and as the account has been since closed for many months, it took over 32 minutes, 4 times on hold and 2 different representatives to get the standard " we will look into this and get back to you within our usual 10 business days to see if we can pay the interest. '' These institutions NEED TO BE HELD ACCOUNTABLE!!!! They are in the business of MAKING money on interest, and yet withhold my money, based on their own accounting error, and have no accountability for paying me, apologizing, and wasting my precious time since I am a conscientious customer who does not want these practices to go on un-checked for my fellow Americans. PLEASE help us punish these financial institutions when warranted so they can not continue to take advantage of the busy, and often poorly educated customer!!!!
Consumer complaint received 2018-03-09
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 — Investigation took more than 30 days
Company: Early Warning Services, LLC (TX)

In the Escalating Concerns of Continuing Identity Theft, there are Pinpoint Services Errors of XXXX XXXX XXXX Corporate Offices, And XXXX XXXX. As ' of Most Recent, I am still seeing XXXX XXXX XXXX as ' a Report for more than ( 4 ) years on Specialty Credit Reporting for a Simple Checking Account. What ' had happened, Is. XXXX XXXX and I ' agreed to Close a Checking, Savings and a Safety Deposit Box in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, while spending my Summer in XXXX XXXX, Texas_ I ' found out that ' XXXX XXXX in Arizona did not. close the Safety Deposit Box after, Papers were Signed in XX/XX/XXXX in XXXX, Arizona. In XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I ' had asked XXXX XXXX for numerous Opt-Outs from their Database Marketing, And asked Corporate for the Removal of Information from their Database, And I ' was Refused. I ' also, Contacted the Branch in Florida a number of times in ( 4 ) years that is, where ' I ' " Originally '' opened my Checking Account, And informed them that ' I was Continually being Solicated in Made Fraud, Theft and Scamming by XXXX XXXX XXXX, And made Additional Reports to XXXX XXXX XXXX Fraud Prevention with No Success in Continuing Pinpoint Service Errors.
Consumer complaint received 2018-03-09
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Scott Fetzer Financial Group Inc. (GA)

Receive letter on XX/XX/2018 telling me that I've been reported to the credit bureaus about a late payment on an account I can not recognize. This letter came from, XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, Kentucky XXXX XXXX.
Consumer complaint received 2018-03-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (TX)

I have credit reports from Experian that show incorect information disputed and they did nothing did it by phone mail and online they said nothing and gave me nothing I have XXXX to XXXX on all credit scores Experian with no bad credit just great credit for open and paid off accounts and they are lieing to people I am getting credit reports saying I have a XXXX credit score when I just got a home loan they said I had higher then that so Have proof of them giving fraud information to companeys and the score with them has been XXXX for 15 years never changed I have proof of that as well
Consumer complaint received 2018-03-09
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE (IL)

I established a mortgage with an escrow account with Huntington Bank on XX/XX/XXXX. The first installment of my taxes was due on XX/XX/XXXX. I received the bill, which I faxed to them at their request on XX/XX/XXXX. I have subsequently called to follow up on payment of the taxes ( most notably on XX/XX/XXXX, to inform them the tax bill would be delinquent if not paid, and XX/XX/XXXX, the date they indicated the issue would be resolved ). The tax bill has still not been paid, which they have stated is a system issue on their side. However, the tax bill is accruing interest. When I inquire about who will bear the interest costs due to nonpayment, Huntington has informed me on both the XXXX and the XXXX that this will be " researched '' after the tax bill is paid. This is not acceptable to me. I pride myself on having great credit and on paying my bills timely and I will not accept responsibility for any late charges or penalties that are a result of Huntington 's inability to figure out how to pay the taxes through their system. My escrow is fully funded and had more than enough funds to cover the cost of my tax bill on the day it was due.
Consumer complaint received 2018-09-21
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. (GA)

I was advised to contact you all regarding items on my credit that is not mine. I have tried all I know to call the creditors. I also reached out the my local police department and the FTC. I am doing this on my own behalf and really need help to get these items off my credit report so I can move on with my life. XXXX XXXX XXXX XXXX   Equifax : XXXX XXXX : XXXX XXXX  : XXXX, XXXX XXXX Equifax : XXXX XXXX:XXXX XXXX : XXXX, XXXX XXXX Equifax : XXXX XXXX : XXXX, XXXX XXXXXXXX : XXXX..