davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-10-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DISCOVER BANK (LA)

I have disputed this collection letting them know that I did n't authorize this account. They 're continuously telling me that the account is verified, which it ca n't be because I 've never signed a contract with them. I had never applied for anything with this company until about a month ago and got denied saying that I 've already had an account with them which I never have. Im in the process of trying to purchase a home and do n't need anything negative on my credit report preventing that from happening, especially if it 's something negative that I did n't authorize or have no knowledge of.
Consumer complaint received 2015-12-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (FL)

This will be second time I have filed a complaint regarding a collection account that originated from an account with XXXX. The first complaint yielded the removal of the collection account. 

There are currently XXXX collections agencies attempting to collect this deal all reporting on my credit report. The amount they are attempting to collect is twice the amount that I allegedly owe. All of the agencies are refusing to speak with me other than to say that the amount owed is correct. With my name being unisex they dont beleive that I am XXXX XXXX. I have attached my final bill from XXXX {$1000.00}. All of the agencies are attempting to collect over {$2000.00}
Consumer complaint received 2016-08-21
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (OH)

I have a a unverified account from ENHANCED RECOVERY CO. I had previously disputed this account. I have never done business with ENHANCED RECOVERY CO. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ENHANCED RECOVERY CO. Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY CO. Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2015-05-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (TX)

I have a Mortgage with Chase Bank that is a XXXX account. I was denied a loan modification from Chase many times. I send all of the papers that they ask for and they continue to ask for the same information over and over again. Every time they deny my loan modification. Chase is impossible to work with. Now they are trying to foreclose on my home. I am a VETREAN XXXX. All I have been asking for is help from Chase. There are payments and escrow money missing and ca n't be accounted for.
Consumer complaint received 2015-06-10
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Westlake Services, LLC (OH)

I'm filing a complaint against Westlake Financial Services. Recently Westlake Financial had  a third party company come into a private apartment community and repossess my vehicle without my knowledge or consent. Upon contacting them I tried making arrangements and they told me I was lying even after I told them that I would be recording the conversation. They didn't try to offer me and kind of financial assistance or programs that could help me obtain my vehicle back. I have put so much money into the car and can't afford to lose it. I recently fell on a rough patch after losing my job, which is why I couldn't make payments. I have XXXX children that require various XXXX appointments for different things, but without my car I'm unable to get them back and forth. Myself , spouse, and children all have XXXX XXXX a week, which we haven't been able to get because of lack of transportation. I have been  working diligently to get the money I need to get my vehicle returned to me as it is very important. I feel that they should help me find financial assistance that will help me with my monthly payments so that they can get their payments. I'm currently seeking employment so that I can successfully make my payments and get the car payed off on my own, but it's really hard doing so without my car. Again Westlake Financial offered me no kind of help or referral services to obtain nor keep my vehicle, which as I stated is crucial to my everyday living.
Consumer complaint received 2015-12-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (NJ)

We have a family run business. We own the building where we run our business. Our mortgage was bought by JPMorgan Chase. At the end of mortgage, JPMorgan Chase would not give us another loan. They told us to find a local bank. We applied to many banks for 2.5 yrs. No one would give us a mortgage because of the huge credit card debt related to our son 's illness. ( please read the letter we wrote them ) Chase is charging us {$100000.00} in excess interest and penalties and will not budge. Chase says they can get all what is owed in a foreclosure sale! No way. The property next to us was foreclosed on and just sold for XXXX % of what they say our property is worth! Our foundation is sinking! .We run the the risk of losing of business, our source of income. We have a XXXX child! Here are parts of our letter to Chase : " Debt is an iron chain tightly locked around your ankles, pulling you downstream as you try to swim against the current. The harder you paddle, the more you realize that you 're further downstream than when you began. I 'm not exactly sure who will be reading this letter. But whoever you are, I hope you are a human being. I hope you understand the amount of time, energy and grit it takes to fully dig your family out of a hole that it did not create. That 's who I am. And that 's what I 'm doing. 
I 'm writing on behalf of myself, my twin brother, and my parents. Our family operates XXXX. The main culprit holding our family back was a large amount of debt incurred in years past stemming mostly from my experience with a chronic illness. 
In 2010, as a XXXX in college, I was a driven student with plans to attend XXXX and a dream of becoming a XXXX. As life often gets in the way, my plans were cut short and my dream was stolen from me. I was diagnosed with XXXX. Maybe you know someone personally who suffers from the XXXX. Maybe you do n't. If you are n't familiar with it, XXXX. XXXX. XXXX. XXXX. It 's tough to write about this and you can imagine how embarrassing it is to discuss this in person with anyone, let alone a complete stranger. In any case, both XXXX are XXXX and involve a lifelong battle. On top of that, there is no known cure, and most of the treatments used to fight both XXXX can be quite expensive. What I 'm hoping is that you can appreciate just how much of a strain a XXXX like that can put on not only your physical or mental health but on your overall financial well being. 
XXXX. I had to make the hardest decision of my life as a XXXX year old to have XXXX. Four years later, the enormity of that decision continues to weigh heavily upon my shoulders each and every day. While the treatment is considered a cure for XXXX, a person 's life is forever altered by those XXXX ... ..,. I am here to once again personally inform you that we can not possibly afford to pay the extra {$100000.00} in extra charges. Our family does not have that kind of money lying around, nor do we consider it a fair amount to pay.
Consumer complaint received 2015-05-23
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (AZ)

chase bank closed my account. there was a deposit made for {$2000.00} and I was told that the money was in when I called them on the XXXX of XXXX. I checked my account again on the XXXX o XXXX and again was told that the money was there so I paid out {$1800.00} and went on line and it showed that the money was taken out and I still had a balance left. That night I called to order checks and was told at that time that they closed my account because that {$2000.00} was put on hold and therefor I was in the hole. It was almost XXXX days after the deposit was made. I then called and made arrangements to make payments to pay them back. My retirement check was sent to them by XXXX and the person at chase that I contacted told me that since I had made arrangements to make payments they would send me the check in the mail. I called them again today and said that they kept the check and would not be sending it back to me. I do n't believe it is right for someone to tell me that and then the bank goes back on their word. They knew I needed the check so I could pay rent and get some groceries. That leaves me with no money and no food. I hope you can get them to keep their word. thank you ... .XXXX
Consumer complaint received 2016-07-30
Product: Credit card — 
Issue: Balance transfer — 
Company: JPMORGAN CHASE & CO. (CA)

Chase Bank Credit offered me a 0 % promotional rate on a balance transfer. They then proceeded to charge me an annual fee in between my billing cycle so that the charge was treated as a " regular purchase ''. I paid the annual fee but could not have the interest charge removed. this charge will linger on my account for 2 months until it is paid and there is nothing I can do as the company will not reverse the interest charge.
Consumer complaint received 2015-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (NY)

In XXXX, XXXX I was temporary leaving in XXXX, Where I was a customer for XXXX for the period of XXXX month by the end of XXXX I closed the account and sent their equipment back in the XXXX mailer they provided. I move to my present address on XXXX XXXX, XXXX. On XXXX XXXX XXXX through XXXX XXXX XXXX went into my XXXX Consumer Report and report this account as collection for the amount of {$420.00}. I called XXXX and after speaking with XXXX customer services person XXXX XXXX XXXX, who stated that I own this amount from the services address XXXX XXXX XXXX XXXX, NY and the account was set on XXXX, XXXX with a last payment XXXX on XXXX, XXXX. I informed her that never leave in XXXX XXXX XXXX XXXX, NY. 
On the month of XXXX I placed a disputed with XXXX Consumer Report base on the information stated above was not requested by me nor leave in XXXX XXXX XXXX XXXX, NY as they indicated. The account was delete from my XXXX credit report on XXXX, XXXX as conclusion of the disputed. On XXXX XXXX, XXXX I receive a letter from XXXX XXXX XXXX where state the account was remove base on statute of limitations. 
On XXXX XXXX, Enhanced Recovery CO LLC report this account on my XXXX Consumer Report and XXXX Consumer Report making my FICO score to drop dramatically. Immediately I sent a certify letter requesting debt validation and informing that base on the Fair Debt Collection Practices Act this type of debt has Time-Barred. Therefore let this letter serve as notification that I do not wish to be contacted about this debt since a violation of the Fair Debt Collection Practices Act apply. 
Enhanced Recovery Company continue to ignore my request in this matter. Both XXXX XXXX and XXXX need to be examined for these bogus activities. My credit is good enough that I will not take the " hit '' of {$420.00} nonpayment with a notation that I dispute the charge. I am requesting an investigation on this matter and order to stop XXXX and XXXX in this spurious business conduct.
Consumer complaint received 2015-08-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (OH)

Enhanced Recovery Corporation, XXXX, FL XXXX. XXXX XXXX XXXX debt for early cancellation fee. 

XXXX promised cell phone coverage at my home address. I had no cell phone signal at my home address and could not make or receive calls. After 2 years of complaining to tech support no resolution was found. I switched to XXXX after seeing a friends phone was fully operational at my home. This was explained to XXXX and they still refused to let me out of my contract. I decided to cancel my XXXX cell phone service for breach of contract to provide cell phone service to a location within the service area as shown to me on the XXXX map at time of purchase. The above was mailed to the initial debt collection agency who did not respond. I still receive a daily phone call from Enhanced Recovery via a recorded message in an attempt to collect XXXX early cancellation fee invoiced in XXXX 2010. All other monthly charges were paid in full except the cancellation fee.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!
Consumer complaint received 2017-10-11
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Problem with a trade-in
Company: CORELOGIC INC (NH)

I put an application in to XXXX of XXXX just to be able to put a deposit onto a car before running the credit. I was guaranteed I would n't have my credit run until I approved on my trade in amount. I never finalized my trade in amount because when I went to put a {$1000.00} dollar deposit onto the car, it had been sold prior. This happened on XXXX XXXX with 4 different locations. My credit should NOT have been run until I agreed upon my trade in value and price of the car, which also was not finalized or discussed.
Consumer complaint received 2016-01-04
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: KEYCORP (OR)

I have had issues with my Keybank account for 6 months. I have been with Key Bank since XX/XX/XXXX. Only in the last 6 months have I had issues with my account having fee 's. I can write a check and make a cash deposit to cover that check. Only to find that a week later a auto pay that should have been declined was paid and my checks were not. Seeing that I had paid these long before the auto pay came out it should have been paid. No, I was charged XXXX return fees. ( then more fees 2 weeks later as the checks where re-ran without notice ) I have gone into the bank to clear up a few issues as my savings account had hidden fees and was not told about it. I went to a branch and asked to clear it up and was told my account was closed with no notice and there was nothing that they banker could do. I called the phone banking system and told this to a phone banker and was told that they process the highest payment first and do not process transaction in the order that they have received Them. Because of this policy I have been charged over {$800.00} in fees XX/XX/XXXX. It is XX/XX/XXXX I have not touched my account for a month and it has grown to - {$420.00} dollars. I have been reported to XXXX with no notice and this has seriously affected my income and my finance 's period. I have gone into branches and called in several times and get told there is nothing they can do for me. I want my fee 's paid back and my name cleared out of XXXX I should be reported for a bank account with hidden fees that the bank will not make right.
Consumer complaint received 2020-10-06
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: M&T BANK CORPORATION (NY)

This relates to my existing claim, number XXXX, with M & T Bank. 

After the bank improperly drilled my safe deposit box and lost a coin, they sent my items to the bank 's abandoned property division. I was advised by the XXXX branch ( where the deposit box was located ) that the Bank 's XXXX  M & T XXXX  branch would have the bulk of my safe deposit box possessions. This afternoon, I went to the XXXX M & T XXXX, XXXX branch to claim my property. 

When I arrived, the bank provided me with an affidavit to sign before I could even look at my property. I refused to so sign. The affidavit had prepopulated choices for the reason that the box was drilled. One was non-payment, the other was some other irrelevant choice whose name escapes me. The bank thus wanted me to state that it was my fault that box was drilled, when it was wholly caused by the bank 's  failure to update its systems and to send me certified letters to the address that I provided the bank. 

The affidavit also required me to state that " all '' the contents of the box had been returned to me. This is not true. First, I couldn't even look at the contents before being required to so sign. Through a subsequent conversation with bank employees, I learned that they intended to reference the itemization that they provided. I believe that a maple leaf coin is missing. I am not going to swear out a false affidavit. 

My failure to state that the drilling of the box was my fault, and my failure to state that the bank fully provided me with my property ( neither statement is true ) was the sole reason that I was denied my property today. I escalated to a commercial manager, who was not helpful nor sympathetic. He provided me with the name of XXXX 's retail risk manager, a woman named XXXX, and I left her a message. I have yet to hear back from her. 

This conduct is unacceptable. In sum, the bank 's systems were not updated. They drilled my box without cause, despite the fact that I had a current box lease for that time period. They then lost one of my coins. Upon taking five days to get my property together, they then refused to provide my own property to me without signing an affidavit stating that it was my fault, and that it was fully returned. That can not possibly be legal.
Consumer complaint received 2016-04-06
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Nelnet, Inc. (MI)

XX/XX/XXXX Nelnet reported to the credit bureaus that I was 90 days delinquent on my loans. I was only working part time as a temporary employee and did not even know it was time to start paying the loans. Once I realized what happened I applied for a deferment. They deferred my loans and backdated the deferment to XX/XX/XXXX to last until XX/XX/XXXX, but kept the late status on my credit reports, thus causing my credit rating to drop drastically and not allowing me to get a loan on a house when I became full time status on my job in XX/XX/XXXX. I have not been able to get a reasonable car loan, cell phone plan, etc., since that time, even though it is out of deferment now and I have paid every payment on time. I asked them on multiple occasions to please take this off of my report and they refuse, stating it is a law, but it is not and now my credit will remain affected until some time XX/XX/XXXX.
Consumer complaint received 2020-10-06
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: STERLING JEWELERS, INC. (MA)

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation. 
2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information. 
3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Consumer complaint received 2015-08-06
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: AES/PHEAA (ID)

AES student loans continues to call and harass me about a late payment. I have a co signer on the account and there have been various times I have asked them to call me first. This does not happen. The most recent incident is this week. On Monday I called about my loan being late and told them I would be able to make a payment in a week. I asked for them to not contact my grandma as she does not make any payments towards the account. The rep stated she would note that. I then received a call ( XXXX ) from my grand mother saying they called her about my late account. After I have already spoke with them. I called them and spoke with them about harassment and they said they can send letter and make as many phone calls as needed until the account is paid. This is a continuous problem with them.
Consumer complaint received 2015-03-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (PA)

I sent debt verification letter two years ago in XXXX XXXX. Debt was removed from all three credit providers. Debt reappied in XXXX XXXX and Updated in XXXX XXXX. Collection agency never sent out debt verification letters to me, which violates FDCA