davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-13
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Riverwalk Financial Corporation (TN)

I received a notice from DeVille Asset Management LTD in XXXX, XXXX on XXXX XXXX XXXX. It stated that I owe over {$20000.00}, I could receive XXXX % off by settling for over {$13000.00}. I mailed a reply letter dated XXXX XXXX stating the debt was a credit card debt that was over 7 years old which I believed to be past the statute of limitations according to information on www.consumer.ftc.gov 's site, along with a listing by State on XXXX 's site. I have attached that letter, my response letter with pay confirmation, a call log, and copy of XXXX emails over a 6 day period. DeVille 's last email communication with me today states a different date they consider to be the official delinquent date of the debt but that date still makes the debt XXXX and XXXX half years old, still past the statute of limitations, to my understanding it is termed a " time barred '' debt, 4 years in the State of XXXX where I resided when I could no longer pay in XXXX due to job loss. Additionally, I came back from XXXX XXXX last year after living and serving there as a XXXX for 7 years. I am starting over from scratch, I have only been working since last XX/XX/XXXX and I provided a copy of my latest payroll to help identify my financial circumstances. I am in the process of applying for subsidized housing and food assistance in order to live. I do n't own a car, house or anything else of lucrative value. I do n't even have any furniture right now. I 'm temporarily borrowing a friends car to get to work. However Deville cites in the last email they will " proceed as fit ''. Creating more financial burden unnecessarily, putting time, effort and money into pursuing this makes no sense. Please see the attached communications which clarify in date order. I do not agree with DeVille 's assessment with my ability to pay the debt based on my credit score, ignoring my circumstances and that it is a time barred debt. Thank you for your time in this matter.
Consumer complaint received 2016-07-20
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Guild Holdings Company (TX)

I was in the process of working through a formal repayment with my lender because I had some personal health issues as well as lost my job. The lender agreed to enter into a formal repayment plan with me but continued to go down a parallel path of foreclosure. Now my home is set for foreclosure sale before the formal payment plan has been set in place. 

I also have an issue on the amount of the mortgage payment as I have updated appraisal information that has not been applied to the monthly mortgage payment.I would like the mortgage payment to reflect this new amount of the mortgage. 

I have not received a itemized sheet detailing the XXXX in attorneys fees that have been added to the overall total in which I would have to pay back so I would like a itemized sheet detailing these charges.
Consumer complaint received 2015-06-11
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Praxis Financial Solutions, Incorporated (TX)

XXXX XXXX XXXX from PRAXIS FINANCIAL SOLUTIONSXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX has repeatedly called my place of employment even after being informed not to call my place of employment. 
XXXX XXXX fails to identify himself as a debt collector and just gives his first name and asked to talk to me. 
I informed XXXX XXXX that we had already informed him that he was not to call my place of employment, he denied ever calling my job before. 
XXXX XXXX will not inform me what he is calling about unless I disclose personal information which I am unwilling to do to anyone over the phone. 
XXXX XXXX manner conversation manner is to talk over you and to repeatedly ask you for the same information, he will get a very aggressive tone as to try to intimidate you into complying with his demands.
Consumer complaint received 2017-01-24
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (MD)

I had fallen behind on my loan and reached an agreement where I would pay them $ XXXX month for XXXX months and the payment would be directly withdrawn from my account each month. I checked out my credit report and I noticed that the payment deductions had stopped. When I contacted them they stated that I had no agreement with them and now my account is back in collection and messing up me getting employment
Consumer complaint received 2016-02-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (FL)

Navient ( Company who bought XXXX - my original loan company ) has not only ruined my credit - they sent me to a collections agency despite making payments based on my income ( showing intent to pay ) they made it so that I no longer could make online payments for the specific student signature loan ( because of the small based on income payments showing intent to pay ) so they set " XXXX '' on me ( XXXX part collections agency - supremely rude and dishonest and brings up a host of RED FLAGS on XXXX and other identity safety agencies ). 
XXXX XXXX XXXX Systems - also provided incorrect information about repayment plans and time and interest. I will also be reporting them to the XXXX ( XXXX ) for their practices and their damaging of my credit despite the FACT that I was making minimum payments.
Consumer complaint received 2016-07-19
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (TX)

I applied for the XXXX Card from American Express where in they promised : Get XXXX XXXX XXXX Bonus Points after you spend {$3000.00} in purchases on the Card within your first 3 months of Card Membership. 

I did spend the amount as shown in the attachments and still i havent't got my bonus. 

I think i deserve the bonus and there 's no reason I should be denied after approval of the card. If AMEX is saying that i was not entitled for the bonus, then my question is why did they approved the card at the first place and kept in dark for 2 months where i spent more than {$3000.00} on their card. I would not have done that if I was aware of this outcome. 

I would really appreciate if you can take this matter to AMEX and get me my deserved XXXX points. 

Thanks and regards, XXXX XXXX
Consumer complaint received 2015-06-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC (VA)

Transworld System Inc. placed a collection account for {$310.00} on my credit report without sending a letter to me. 

I have no knowledge of this account as it seems that Transworld System Inc. purchased this account from another creditor. Transworld System Inc. violated the FDCPA Collection Practice by placing this collection account on my credit record without notifying me in writing. 

I request that you please verify the following information:1. Full original account number. 
2. Date original account was opened. 
3. Any written agreements between myself and the original creditor stating that this debt is owed. 
4. Full account summary on how these charges added up to {$310.00} and an itemized calculation of alleged debt. 
5. Date of first delinquency. 

If Transworld System Inc. is unable to provide the above identifying account information, this information must be deleted from all CRAs. 

Transworld System Inc. also failed to follow FDCPA giving the consumer time to dispute or validate the alleged debt within the allowed XXXX-day time frame that is allowed by law. 

Thank You, XXXX XXXX XXXX
Consumer complaint received 2016-08-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY (MD)

American Express frequently sends me offers that include benefits like Return Protection. I began using my Amex card exclusively for large purchases because of the suite of benefits that it advertises. When I attempted to use the protection benefit after I changed my mind on a watch strap purchase that, per the store 's policy, can not be returned, American Express refused to honor their benefit. In their words, my watch strap was excluded because it is considered a watch or jewelry. I read their benefit terms and conditions very closely, and I appealed their decision, arguing that a watch strap is neither a watch nor jewelry according to multiple common definitions. Amex refuses to follow common definitions and instead lumps this into a jewelry/watch purchase for the purpose of avoiding having to honor their protection benefit. 

I feel this is deceptive advertising to lure customers into using their credit cards with intent to avoid providing their customers with promised protections whenever they can loosely categorize a purchase into one of their excluded categories. A watch strap is no more a watch or jewelry than a power cord is a tv or laptop or a shoelace is a shoe. 

I 've learned my lesson not to trust Amex 's " benefits '' but I still feel this matter is unresolved.
Consumer complaint received 2016-01-08
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (IL)

I had initiated without a written agreement/contract some personal training services with The Exercise Coach where I had paid for services with my Debit/Credit card. On or about late XXXX 2015 before I went on vacation XXXX I notified the Exercise Coach that I will not be continuing with the personal training services in XXXX because I did not see visible substantial results considering the amount of money per month I was being charges. While I was on vacation, the Exercise Coach charged my account using my previous information for the month of XXXX and when I returned from Vacation XXXX XXXX I noticed the debit to my bank account, I put in a claim thru my bank Chase Bank but they were unable to recouperate the money because the Merchant had used a prior old signature that was authorized in XXXX to debit my account in XXXX but not authorized in XXXX, I have asked my bank Chase bank to produce the documents and still have not yet received them to look over if it was authorized in XXXX.
Consumer complaint received 2022-12-30
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: Paypal Holdings, Inc (CO)

I tried to open a paypal savings account and it asked me to submit documentation identifying and verifying myself. I submitted that documentation unaware that it was expired because I had not received my new id at the time. When I was informed that the id I had submitted was expired, I tried to rectify the situation by redoing the application over but department at paypal savings told me that was not possible and now because of that mistake, the system tells me I am ineligible for pay pal savings because they couldn't confirm my identity. I want this issue to be resolved because this is a form of discrimination, and because of one innocent mistake I'm being kept from a banking product.
Consumer complaint received 2023-09-21
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO. (VA)

We issued a check for {$1100.00} on XX/XX/2022 to XXXX. The check was cashed fraudulently at a JP Morgan Bank location. We were made aware of this only when XXXX, the intended payee, contacted us to say our account was past due. Upon research, it was discovered that the check had been cashed fraudulently at JP Morgan. 
Facts : XXXX XXXX XXXX XXXX  XXXX XXXX ) Filed Initial Claim ( Without Entry Form ) with JP Morgan XXXX XXXX Received Acknowledgement from JP Morgan XXXX XXXX Requested Status Update from JP Morgan XXXX XXXX Sent 2nd Request for Status Update XXXX XXXX Requested Another Status Update from JP Morgan XXXX - JP Morgan requested additional Information XXXX JP Morgan requested Information and XXXX  promptly responded, providing all requested information XXXX XXXX  followed up again siting JP Morgans response of XX/XX/2022 stating the claim would be reviewed and worked within 45 days. Further stating, JP Morgan is approaching 1 year without responding to multiple update requests regarding the claims and XXXX  customer still not having received return benefit of the funds received at JP Morgan in error. 
XXXX XXXX  Emailed JP Morgan a follow up stating the funds had not been received by the customer for the claim filed in 2022 XXXX XXXX  sent 3rd Request with all required documents for claim XXXX JP Morgan responded , the claim is paid and they placed a stop payment on the previous cashiers check and ordered a new check, Kindly wait 2-3 weeks to receive the new check XXXX XXXX  has not received the funds and recommended we ( XXXX Customer ) to file with CFPB
Consumer complaint received 2016-05-24
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: JPMORGAN CHASE & CO. (PA)

I want to keep my Chase Amazon credit card open and in use. I 'm still using it to pay all of my major financial bills. I do n't want or have the time to make the changes to another account or credit company. Please help me ; my bike are going to be due soon and it will be difficult for me to switch new cards and accounts. Thank you.
Consumer complaint received 2016-08-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NC)

Identity theft occurred : While I was in XXXX a man with a fake id and fake credit card walk into a chase bank in XXXX and withdrew {$5200.00} from one of my bank accounts. I realized this happend and went to a chase back in XXXX the next morning. At that point we filed identity theft with all XXXX credit beuros and also with Chase. The XXXX managers who were in the room with me than showed me a closed caption video of the man in XXXX withdrawing the money. Proving that not only did case not do there job in checking from proper I 'd in the XXXX branch but also showed me hard proof that indeed someone had stolen my id. They all admired worng doing and told me I would relieve the money within 30 days. Since I have learned that Chase has denied my claim and will not give the money back to me. They told me that because it was the same XXXX drivers Licence used in XXXX and XXXX that it had to be me. Also I have never been to XXXX. And chase knows that becuse they at the time were the only bank and credit card I used. And I had never booked a trip to XXXX.
Consumer complaint received 2016-07-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (VA)

I have written previously and will continue to report JP Morgan Chase until we receive a satisfactory resolution. 
JP Morgan Chase is the sorriest excuse for a mortgage company. Several years ago we started the process to obtain a loan modification. Of course we were unsuccessful trying it on our own so we hired an attorney to assist us and JP Morgan Chase had requested the same documents from us over and over again which we have sent EVERY document that was requested of us numerous times and in a timely manner. They told us numerous times that they did not receive them and requested them again and again. Evidently they sat somewhere on someone desk and did not get processed as they should have. This has been reported before by other mortgage holders with them and JP Morgan Chase has even been fined several times for such. 
Then they basically accused me of lying when I told them that after calling in and making several monthly temporary payments in a row, which we were set up for, one month I called to make the next payment and the person told me that she " could not take the payment because our account was under review for a loan modification '', ( well duh, that is why they were temporary payments ) I even gave them the name of the person that told me that and the telephone number that I called so it can be researched since their calls are " recorded for quality assurance and training '' but obviously no one even cares to research any of what I have been reporting over and over again. 
They said that my father whose name the loan is under did not reside at the property so that was a reason why they denied the request. That was not true at the time of the request. 
There is no reason why we could not have been approved for a loan modification to safe our home. We even paid off the second mortgage on the property but that did n't even seem to matter or account for anything. 
The property was scheduled for foreclosure but a representative from JP Morgan Chase told our attorney at the time that the sale was postponed because they were going to review the modification again per the request of our attorney but they still proceeded with the sale anyway. It should have never happened. 
They claim to want to help their customers save their homes but they did not do a single thing to help us save our home and foreclosed on our home leaving me homeless. 
It would be nice also if CFPB would do something more to help than just request the companies side of the story. I little research by someone that cares would be nice.
Consumer complaint received 2015-05-22
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

On XX/XX/XXXX, I reported to Chase Bank the use of a check that was never write it by me, or authorized in any matter for me.

The bank had informe that i should wait 5 business day for an investigation to take place and a decision to be made.

Is XX/XX/XXXX and still has no hear any resolution from the bank, when I called the bank requesting an update on the case they had informe that there is no decision made yet and that i should wait till the meddle of night when the 5 business day end.

This make no sense because my claim was open at XXXX on XXXX so the got the whole day past Friday to start the investigation, and this entire week but is still no a single update on my case.

Its look like the bank is waiting for the last minute to made a decision on my case what i believe is no a fully and correct way to treat a customer and either is no the proper way to do an investigation if they been investigating for over 5 days this claim but its there no update so what kind of investigation its this if there is no updates on the things they are reviewing?

all what i am looking for is to get my money back from a check that i have no write.

Today XXXX Senior Specialist from Chase Claim department in XXXX had no provide me any update any information instead to provide me any information has denied me to get a manager on the floor and also has reject my request of find information
Consumer complaint received 2016-04-10
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

unauthorized debit on my business account was done electronically, unknown ,XX/XX/2016 and I noticed XXXX/XXXX/16 and same date went to the bank and with the branch manager we filled a signed report .We completed our research on the transaction ... and we determined that its a business-to-business electronic payment. As a result, '' we can not remove the transactions from your account Please contact the business that initiated the transaction to resolve this problem. '' My complaint is : The bank does not cooperating at least to release the name. 
Please let me know of your advise
Consumer complaint received 2016-04-15
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX, 2016, I paid for in full an all inclusive stay at XXXX XXXX XXXX XXXX XXXX in XXXX XXXX for XXXX people. {$1300.00} was charged to my Chase account. Leading up to the payment in full, XXXX XXXX had charged my husband 's XXXX in the amount of {$660.00} for one night at the hotel. My travel agent XXXX found a better rate of $ XXXX/night and we decided we wanted to rebook under my Chase card. Instead of refunding his XXXX in full, XXXX XXXX said they would refund him {$470.00} to his XXXX and charge the remainder to my card ( {$1300.00} ). ( Note : They never refunded him this amount and he had to file a dispute. ) Our trip was XXXX XXXX, 2016. Upon arrival at XXXX XXXX XXXX, they asked for a credit card to have on file for " incidentals. '' At check out I asked if I needed to do anything, they said no and snipped off our wristbands that signified we were booked under the all inclusive rate. At the airport in XXXX XXXX, my brother who booked his own room noticed he was charged the entire amount again by XXXX XXXX. I did not see it on my account. The next day, I saw the charge of {$1500.00} by XXXX XXXX. I disputed this with Chase believing this should be a fairly easy dispute. I was very wrong. XXXX XXXX is fighting my dispute claiming it is a valid charge because they swiped my card. I expressly told Chase I was told it was for incidentals as most hotels ask for credit cards and that I never signed ANYTHING agreeing to those charges. I was very frustrated since it shows XXXX XXXX had charged me three weeks prior so I did n't understand how this was even an issue to debate. I submitted additional evidence such as my emails with my travel agents confirming the vacation package, charge on my husband 's XXXX account, articles showing XXXX XXXX is in dire financial straits, and XXXX reviews showing others have also been double charged. Even with all this additional evidence, Chase ruled against me and said it was a valid charge simply because of the card swipe. I am now trying to dispute the earlier charge which is the lesser amount, but I have little to no hope of that resolving. Please help me.
Consumer complaint received 2016-05-18
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: JPMORGAN CHASE & CO. (CA)

I received a XXXX XXXX rebate card in the form of a prepaid XXXX issued by JP Morgan Chase. I forgot I had the card and did not use it before it 's expiration date. 

I called the number on the back of the card and was told that my {$30.00} card now had a balance of {$2.00}. Chase had charged a monthly maintenance fee of {$3.00}. This seems excessive and is a convenient way for Chase to take the money from forgotten prepaid cards. This maintenance fee is described on the back of the card in fine print that is almost impossible to read. 

I requested that the fee be waived but the people at XXXX were unhelpful and insisted that the fees were justified. 

I see no legitimate reason for this fee. It is only a way for Chase to keep the money and ignore the unclaimed property laws. 

From : California Code of Civil Procedure Title XXXX, Chapter XXXX - Unclaimed Property Law XXXX. 
Deduction of Fees No service, handling, maintenance or other charge or fee of any kind which is imposed because of the inactive or unclaimed status contemplated by this chapter, may be deducted or withheld from any property subject to escheat under this chapter, unless specifically permitted by this chapter. 
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.