BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-14
Company: Avant Holding Company, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I had a credit card with Avant ( last four numbers of the card were XXXX ). 

I always made monthly payments, electronically, through XXXX XXXX XXXX. 

For some mysterious reasons, even when I scheduled payments BEFORE the due date, Avant always marked them as late payments, and charged me a fee. 

I contacted Avant numerous times. They had no explanation. 

They would then take 2-3 weeks to credit the account. 

I contacted them several times about this. They had no explanation as to why this was. 

I got frustrated, and closed the account after 90 days. They still charged me an annual fee. 

On Saturday XX/XX/2022 at XXXX XXXX I spoke with an Avant rep named XXXX XXXX about refunding the annual fee - since I'd only had the card such a short time, and since their customer service was so poor ( and perhaps dishonest ). 

She said that it was impossible to refund the annual fee or the amount of the annual fee. She was trying to tell me, a bank can't refund a fee. She offered NO explanation as to why Avant could not do that. T The simple fact is, she was lying to me. Avant engages in dishonest practices, overcharges customers for fees, then lies about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: NAVY FEDERAL CREDIT UNION
State: CA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/2021, I was a victim of a phone scam. Some person pretended to be Navy Federal Credit union and asked for a pin that they were about to send me from their fraud Department. After getting a pin I relayed it to the representative and the phone hung up. A few hours later Navy Federal called me and said I was a victim of fraud. I proceeded to file the fraud claim and was told I would be reimbursed within 10 business days. As of today it has been over a month and I have reached out over 30 times requiring about my reimbursement and the only thing I was told is that it is pending. This has cause me severe XXXX in which I literally had to get medication for and this is not the treatment that I think a war vet would get from his own credit union

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-21
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I sent a request for information to Select Portfolio Servicing ( SPS ) on XXXX XXXX, 2016 related to their assertion that they are authorized to service an alleged loan on my home. SPS did not answer all of the questions despite having requested this information XXXX previous times. This is be my forth time asking SPS for complete answers to a complete Qualified Written Request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I saw a news story ( XXXX ) on XX/XX/XXXX about navient ( XXXX ) and to file a complaint if you are effected by them. I have been paying navient for almost 15 years. When interest rate for student loans drop to an all time loan, many people refinanced their student loans to a low interest rate. I contacted XXXX XXXX at that time as well and they told me I could not refinance because their loans only allow " XXXX '' refinance. I graduated in XX/XX/XXXX, I consolidated my student loans and refinanced it to that time ( XX/XX/XXXX ) rate given to me. I have been paying my students loans for 15 years at a high interest rate higher than many others because they will not let me refinance it to the lower rate. I owe approximately {$30000.00}, I have been paying approximately {$500.00} a month for over 5 years, and overall been paying on my loans for over 15 years, and I still owe {$30000.00}. According to my statement I will be paying {$500.00} a month for 10 more years. This is the same as my car and car payments, however I will have my car payed off in 5 years, unlike my student loan. My house loan interst is lower than my student loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
request deletion of XXXX XXXX bank account ending XXXX due to the fact that XXXX XXXXXXXX request to delete this trade line

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-13
Company: Resurgent Capital Services L.P.
State: MA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX am trying to avoid filing a chapter XXXX bankruptcy petition. However, before I do that I want to obtain the actual ownership of my current creditors that went into default several years ago. I hereby file a qualified written request on each defaulted creditor, and if any of these debts were sold off to a third-party debt buyer, then I will review the proper documentation to make sure all proper legal requirements were initiated. Accordingly, I request full validation of the stream of ownership on each account under reinvestigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: SLM CORPORATION
State: FL
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't temporarily delay making payments

Complaint:
I have been harassed by Sallie Mae the past XXXX months causing me to Go into a high risk XXXX I have asked numerous times please wait until I return to work they are calling my grandmothers XXXX XXXX, etc. this is becoming ridiculous and I am Overwhelmed

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-18
Company: National Credit Systems,Inc.
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I have sent debt validation letters and dispute letters on XX/XX/2021 and XX/XX/2021. These letters are regarding to a debt said to be owed to NATLCRSYS. The Date Last reported is inaccurate. according to the XXXX XXXX XXXX XXXX, a consumer has the right to dispute this matter. I have even tried disputing this account through XXXX online.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
My name is XXXX XXXX, a federally protected consumer. I am submitting this complaint against LexisNexis in reference to complaint # XXXX ( attached ). In their response, LexisNexis stated that their investigation was resolved on XX/XX/2022, however based on the information I, XXXX XXXX, provided in the previous complaint, they were unable to fully authenticate my identity, and that even though I, XXXX XXXX, provided them with my name, address and driver 's license, LexisNexis still needs additional information to further prove my identity. My question to LexisNexis is how were they able to properly investigate any disputes or complaints, needing more information to fully authenticate my identity? According to 15 USC 1681h, proper identification was given. Congress does not state that the consumer has to provide any other means of identifying documentation, other than what I have already provided. ( attached labeled Identification ). My second question to LexisNexis is to provide me with the " description of the procedure '' used ( as they stated in their response ) in their investigation? LexisNexis also stated in their response that they have no obligation under the FCRA 15 usc 1681 and that i need to be advised that LexisNexis is not a debt collector. I am aware that LexisNexis is in fact a consumer reporting agency according to 15 usc 1681a ( p ) and according to 15 usc 1681b ( 2 ) the furnishing of any consumer related information has to be in accordance with the written instructions of the consumer to whom it relates. Lastly, LexisNexis stated 3 " rights '' that I, as a consumer, have the right to according to FCRA, yet LexisNexis failed to mention my rights to privacy according to 15 usc 1681 section 602 A.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Firstsource Business Process Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
XX/XX/2022, I received a letter from a Debt collector company that goes by the name of Firstsource Advantage LLC. In the letter I they are telling me they are trying to collect a alleged debt on behalf of XXXX XXXX. I am a consumer and i am well informed of my rights and the federal laws that protect me from unfair debt collection practices and according to the Fair Debt Collection Practices Act, Firstsource Advantage LLC has violated these rules and regulations. I never gave this debt collector permission or consent to contact me, and i have sent them a letter of cease and desist pursuant to 15 USC 1692 C. Also In the letter Firstsource Advantage LLC said " As of the date of this letter, you owe {$2600.00} '' This is a violation because a debt collector can't say i owe anything pursuant to 15 USC 1692 b and also in the letter was said " Firstsource Advantage , LLC is a debt collector. We are trying to collect a debt that you owe XXXX XXXX. We will use any information you give us to help collect the debt '' This is also a violation because a debt collector can not use or obtain information on a consumer to collect a debt and i have proof of this pursuant to 15 USC 1692e ( 10 ). I have been receiving multiple phone calls that have interrupted me at work and caused me a great deal of stress, I have proof of these unwanted phone calls i never gave consent to receive, this is a violation pursuant to 15 USC 1692c. Firstsource Advantage , LLC is responsible for all damages that cost {$1000.00} per violation pursuant to 15 USC 1692k

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have been trying to work with SPS for years in either honoring the loan modification I was offered by XXXX, which my file was then transferred to SPS while in the middle of making my TPP payments, or getting SPS to review me for loss mitigation options and an assumption for the subject loan. Instead, I have been subjected to unfair, deception and abusive acts and practices. Compounding serving errors committed by SPS has caused me great stress and pushed me into a hole that I do n't know how to crawl out of! I have submitted the same documents multiple times over the course of working with SPS. They have verbally told me XXXX thing, when I am actually able to reach a representative, while sending me correspondence to the contrary. They have stalled me at every turn and given me the runaround. I feel I am further away from getting a loan modification offer now than when I first started and was making TPP payments towards a final loan modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Account # XXXX with Toyota Financial Services, Account manager XXXX XXXX " fraud department '' My lease was up in XX/XX/XXXX on my Toyota XXXX XXXX and I did not turn in the car because we wanted to keep it and just keep on making payments. I think I missed about 1 to 2 payments BUT when I tried to bring the  account current I was told that the account was closed and referred to the Fraud department. I spoke to XXXX on that department through a Spanish translator BUT was very confused at the end of the process so I contacted my friend XXXX XXXX to call for me and get all the details of what's going on and to see what we could do in order to keep on making the payments so they don't take the car away because I was told that they had tow trucks looking for my car already. My friend XXXX XXXX called and spoke to the account manager XXXX who was extremely rude, she didn't NOT give her any information because she demanded to talk to me. XXXX XXXX is an authorized individual on this account because I was told by the Toyota representative that it was the only way she could get information and help us with clearing this mess up. XXXX also mentioned that she had e-mailed some documents but refused to send them to XXXX XXXX or give her any information that can help us clear this mess up.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-06
Company: AES/PHEAA
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
AES/PHEAA has reported to the credit bureaus that I was delinquent on one of my student loans from 60/90/120 days, however, my billing letters note ( that they are able to view in my account ) that my account was in deferment. I have submitted disputes since last year and they have not resolved my issue. 

They asked me to student a credit dispute from and I did. They asked me to submit my credit report and I did. They provided me with the wrong dispute form and just advised me today that, that was the discrepancy because I kept telling them I sent them the form. 

We have been discussing this dispute since XX/XX/XXXX, and today was the most recent correspondence. They have caused emotional and financial stress because of there error. Credit Report notes I was late on loan from XX/XX/XXXX -XX/XX/XXXX ( 60/90/120days ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my PayPal account. I am using my Paypal account for my online business ( Online Selling, Video editing and free lancing ) since XXXX 2022. My paypal account : ( XXXX ) has stucked funds in it that I have to withdrawn asap for emergency purposes. And I am hoping that I will get back my account and able to withdraw my funds. Thank you and Godbless.

For Identity verification, I attached my Valid ID. Please see attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Hello my name is XXXX and I have a complaint about student aid and how XXXX are selling these student loans over and over again even thought they get paid off to where you are forever in debt to them. First of all In XXXX I entered the military and paid into a school grant which they said we could use anytime when we want to go to school, so I paid into it for a year. A hardship happened and I had to leave the military with an honorable discharge. So I go back to school and ca n't use the money I paid into being in the military so I get a XXXX XXXX loan. Along with the school loan I get a personal loan to cover my books and other incidentals. Push ahead 10 years children, divorce and so and so but I still have to pay off my student loan and I go in default. So years later and my paycheck is garnished and the school loan is paid and I get a letter from my company and Navient a.k.a XXXX XXXX and a.k.a. XXXX saying debt paid and I am released from the garnishment. In XXXX my income taxes are taken because of the private loan Navient says. I filed for bankruptcy in XXXX and add XXXX XXXX, Navient, and XXXX to it because now they want payment for the personal loan I took out. Bankruptcy is finalized in XXXX XXXX and I hear nothing for 6 months all of a sudden I am being garnished again, no letter stating this from Navient or my accounting department at my employer XXXX XXXX. I contact my attorney by phone and email and nothing he has been paid case closed he wants more money that I dont have to correct this mess I am guessing. So I call them directly ( Navient, XXXX ) they ask me to give them proof that the loans were paid by garnishment and that the personal loan was added to the bankruptcy and that I do. I email them the copies that I have sent you. They send back the letter I have attached and now another creditor has purchased the loan from Navient they say, and want money. The next week XXXX is now sending me a letter they want more money. I dont know who to go to about this it can not be lawful. I see that Navient has a class action suit against them. I just need help and I ca n't afford to keep getting attorneys that only want money. Can you please suggest what I should do next I think they will try to take as much money from me knowing that I cant get it back because its the government backing them. 
Thank you for listening.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I am being collected upon for charges that have already been paid, as well as for charges that are not my responsibility.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Real Time Group, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Real Time Resolutions refuses to stop reporting to the Credit Agencies that it is a closed collection account. Every month they report a late payment on an open account, I have tried numerous times to stop this and they refuse. XXXX has even called them with me on the phone to confirm that it is a closed collection account and they then admit that it is a closed collection account. However Real time tells XXXX to send in writing to confirm its a closed account before they will stop. This happens every month. What can I do to stop this false reporting by Real Time Resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-06
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I recently reviewed my credit profile and noticed inaccuracies and false accusations and fraudulent accounts. Please note : The personal information listed below requires attention

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: Real Time Group, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I seatle this debt and made all require payments. I received a notice of satisfaction from the lender/ agency and the removed themself from my credit report. Then this new collection agency REAL TIME RESOLUTION IS SENDING ME BILLS on the balance that was seatled. The ruin my credit score and wo n't stop sending me bills. I already faxed them copies of the seatlement agreement, proof of payment, letter from original lender showing XXXX things, first a matching account number so they know that we are talking about the same account and that it was paid, fully satisfied and closed, but this agency refuses to stop their attempt to collect something from me and to remove their name from my credit report. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I was trying to cosign for my cousin a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-15
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
According to the Fair Credit reporting act ( XXXX XXXX XXXX ) 15 U.S.C 1681 Section 602 A. States I have the right to Privacy 15 U.S.C 1681 Section 604 Section 2 also states a consumer reporting agency can not furnish an account without my written instructions also a FTC report was sent to remove this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-14
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I believe that it was a mistake to close my Paypal account .I am using my Paypal account for my business online.XXXX  XXXX XXXX store.my PayPal account : XXXX Has stucked funds in it that I have to withdrawn asap for emergency purposes.And I'm hoping that will get back my account and to be able to withdraw my funds.Thank you and Godbless

Company response to consumer: Closed with explanation