BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-25
Company: Amscot Corporation
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
I have accumulated, over 4 years, money orders which I have stashed in a drawer in the event I ca n't pay my necessary utility bills, were I to have no work. 

Recently, I got them out and gave one, which I had left blank, to a repairperson who took it to his bank and came back with it saying it was outdated. That 's how I discovered that all these money orders, from Amscot, which I have been saving are " outdated ''. The Amscot teller said I had to read the back, which informs people, in very small print compared to everything else printed on the money order, that there is a 1 year expiration date. I have many times over the years, in the past received checks from companies, and they had printed ON THE FRONT, in regular or larger than regular letters a " valid until ... date ''. My question is why this should not be standard for the AMSCOT vehicles as well? Put this vital information where you see it, and not hidden, as it were. Do other companies have the option to put expiration dates on the back in tiny print? 
I 'm writing because I have lost considerable value to my checks as I return them to AMSCOT.

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 2015-10-21
Company: Southwest Credit Systems, L.P.
State: NH
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:
Southwest Credit Systems is reporting a collection account on my consumer reports related to a debt that they have no legal authority to collect on. The debt in question was paid in full to the original creditor, XXXX, and Southwest Credit Systems has no legal standing to engage in collections activity on this account. Following my payment to the original creditor, Southwest updated my consumer reports to reflect a " Paid '' status despite the fact that I have never paid Southwest Credit Systems for any debt, nor have I ever acknowledged any ownership of the debt they claim was owed by me to them. 

Additionally, Southwest Credit Systems has engaged in repeated violations of FDCPA legislation. They have never mailed ANY documentation to me as required by FDCPA 809 which would have allowed me to dispute the alleged debt. Then, they refused to provide proper validation of the alleged debt following my written correspondence to them sent Certified Mail, Return Receipt Requested on XXXX XXXX, 2015 and received by their representative, XXXX XXXX, on XXXX XXXX, 2015. This lack of response to my dispute is in direct defiance of FCRA 623 which allows consumers to dispute reported data directly with the data furnisher. Their failure to respond to my dispute while continuing to report the alleged account constitutes illegal collections activity as affirmed in XXXX in which the judge found that reporting collections accounts to a consumer reporting agency constitutes collections activity under the FDCPA. 

This illegal activity by Southwest Credit Systems must cease immediately. If the organization does not immediately delete all references to this illegally-reporting tradeline from my consumer reports, I will move my claim to the Federal District Court in XXXX, New Hampshire, and we can discuss the matter in front of a judge while Southwest contemplates the value of reporting a tradeline that is of no worth to them versus the reality of them paying me {$1000.00} for each FDCPA violation they have engaged in.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-25
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
And XXXX University, XXXX XXXX SC. I have no faith that when I call in to a for profit making company that they are representing the facts when they tell me I am not eligible for for a government benefit that would reduce my payment or retire my loan early as they ( Navient ) would have no interest in telling the truth. This would reduce their profit and go directly against their stockholders and fiduciary duty to provide maximum return for their company ... how is this duplicity reconciled? I do n't think it is, they rip me off when I call in and ask for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I had several months were I could n't make the full payment of my loan and the adviser suggested I go into deferment instead of losing my payment to something I could afford. Also in two separate occasions I had to pay {$900.00} which was nearly 3 times the amount of my monthly payment. 
Loan payments are based on gross income instead of net. If I were to pay the full amount Navient would like of XXXX per month I would not be able to have an apartment and would be homeless. Repayment should be based on net pay not gross.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I cosigned a loan for my stepdaughter with Bank of America. I went into Bankruptcy in 2011, but between my stepdaughter and I, the payments were made according to bankruptcy ( which BOA agreed ). The loan was turned over to XXXX who then turned over to a law firm in XXXX because they said we did n't make payments. Both my stepdaughter and I proved we were making payments. He instructed us to not make any more payments until they could figure out where money was going. Subsequently, they turned over to law firm in XXXX-who threatened to sue us for non -payment. My bankruptcy lawyer got involved and all the documentation was provided to show that not only were we making payments, but we were ahead of schedule. I talked to lawyers in XXXX XXXX and we came up with payment plan for rest of it ( which is paying faster than bankruptcy said we had to ). All both my stepdaughter and I want is this taken off credit report. It shows I 'm behind 120 payments and owe almost 5,000 dollars, when in fact made all payments on time ( except for the few months their lawyer told us not to pay ) and actually only owed XXXX dollars. None of the lawyers would help with the credit companies. I know student loans complicated, Im just asking for our credit report to be accurate Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: Franklin Collection Service, Inc.
State: MS
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 want it to be noted that I dispute any responsibility for this debt, and I do not owe this. The fluctuating statements, as well verification that does not match up with amount owed show the inconsistencies associated with this account. 

The debt was previously with XXXX., and discharged after they sent me verification that did not match up with the amount owed. I received notice from them that they will not pursue this debt any longer. That is when it ended up with FCSI, Inc. 

I have been having to deal with a debt that I have disputed. It keeps going to new collection agencies once a previous collection agency has stopped dealing with it after verification fails. I recently documents that supposedly verify the debt with FCSI, however, not a single XXXX of the statements even matches the amount which Franklin is attempting to collect from me. 

Franklin says the debt of {$190.00} was incurred XXXX/XXXX/15, as evidenced by the letter I included, but both statements from around that date both show different amounts that do not match this. 

I have included the XXXX statements for XXXX XXXX, 2015 and XXXX XXXX, 2015, which are the closest to the date I am alleged to have accrued the balance of {$190.00}. I have also included XXXX later statements from XXXX XXXX, 2015 and XXXX XXXX, 2015, which illustrate the way this debt has fluctuated by incredulous amounts. If this debt was valid, it does not make sense how the amounts could constantly change, and also not match the amounts which the debt collection agency has attempted to collect. I dispute this debt, as I have with previous collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Northstar Location Services, LLC
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
This company calls me several times a week. I tell them that the person they are looking for is my ex husband and that we have been divorced since 2011. They say they will remove me from their list, but then just call me from a different number. It is Northstar Location Services. Today they called me at my BUSINESS number and left a message that my ex husband had given them my contact information. They left their name and acted like they were a long lost friend trying to get in touch. No mention that they were trying to collect a debt. There is no way he would have given them my contact information. They will not leave me alone and have called my parents and my new husband. The icing on the cake was calling my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Franklin Collection Service, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I am a victim of identity theft and noticed a collection from FRANKLIN COLLECTION SERVICE. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against FRANKLIN COLLECTION SERVICE in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PR
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been directed to this agency, probably again about an original complaint that I made regarding a " Bank of America XXXX Litigation. " I was included in this Litigation process XX/XX/XXXX, because of illegal credit practices carried out in my credit card. I complained XX/XX/XXXX about these illegal practices and I was then given a claim ID : XXXX. 
Since then, I have recently received a letter from the Office of the Comptroller of the Currency XX/XX/XXXX, advising me that " your complaint appears to involve an issue that no longer falls under the direct jurisdiction of our office " ibid. OCCI do not understand why I can ' t receive a legitimate answer on a proper citizen request that I made against illegal credit practices on my credit card. Furthermore, I have been referred to various federal agencies that do n't seem to take charge of the situation and just answer the status of my original claim Id : XXXX. 
I would appreciate if this agency would just take charge of the situation so that I can obtain a final legitimate answer. Thank you very much, XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: Pinnacle Credit Services, LLC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Several years ago I went to a XXXX local dealer. I purchased an XXXX, for surfing the internet. I signed an agreement, two years, I believe. 

The next day the card quit working. I went to the same dealer, and was advised they [ XXXX ] were going to void the first contract and roll everything to a new contract with a new air card. 

More plainly speaking, I would still only have XXXX account. 

I recently tried to rent an apartment and found out that XXXX is reporting in a negative manner to my reports. 

I sent a dispute letter and they [ XXXX ] failed to respond. I am now going to file an FCRA action, after I dispute directly with the credit bureau first. 

I understand you may not act on my behalf, in a legal capacity ; however, I want to exhaust all administrative remedies. 

Thank you in advance for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: Franklin Collection Service, Inc.
State: NV
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:
Next month or so I receive a letter from a collection agency saying I owed XXXX to XXXX XXXX XXXX, so I called Agency said I do n't owe I called XXXX & T I was told I 0wed nothing they got in touch with agency and when I called agency back they told me it had all been straightened out and apologized. Then a few days ago I get a letter from The Collection Firm of Franklin Collection Services , Inc Saying I owe XXXX XXXX XXXX XXXX case # XXXX XXXX called XXXX XXXX XXXX I owe nothing today spoke with billing specialist .He told me I had to speak to a collections specialist I got cut-off so I called agency talked this time to a supervisor he said his name was XXXX he said I had to dispute this on there website and also with XXXX XXXX XXXX XXXX Finally I called XXXX XXXX XXXX spoke to a collection specialist she suggested I call credit bureau and have this matter investigated and filed a report. 
Could you help me please, I never had phones I do n't even know phone number Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Curtwright & Klein, LLC
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The company Kurtwright and Klein LLC has called me three times over two days in an attempt to get contact information for my deceased father 's widow. I have told them I do not know how to contact her, and I firmly told them in every call not to call me back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17
Company: Pinnacle Credit Services, LLC
State: ND
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 had XXXX accounts through Pinnacle Credit Services , LLC that were in collections. In XXXX 2015 I paid both of them. Pinnacle has continued to report on my credit that it is a zero balance, but that the accounts are in DISPUTE. I have contacted them via phone and in writing, and told them it 's not in dispute, but they will not fix it and I can not close on a home loan. The bank I am working with for my home loan has also tried helping us, but Pinnacle will not change the status to " no longer in dispute ''.

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 2016-01-11
Company: Pinnacle Credit Services, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent a debt validation to the collection company ( Pinnacle Credit Services ) on XXXX/XXXX/XXXX The company received the debt validation on XXXX/XXXX/XXXX. The company responded to the debt validation on XXXX/XXXX/XXXX. Upon review of the package sent, the company did n't provide any proof the account actually belonged to me. The company sent several statements but they did not a line with XXXX. The called the company asked if they could send me a copy of a user agreement signed or any proof that this account belong to be, I was told I needed to contact XXXX. After contacted XXXX, I was told that they did not have a user agreement or anything because the account was set through a third party ( XXXX ) in XXXX of XXXX. Since then the company XXXX XXXX has closed down, so there is no way to get a response from the company. The company is charging {$300.00} in termination fees for XXXX lines of service and balance of {$1000.00}. There was never a payment made on the account. The account was opened XX/XX/XXXX and closed in XX/XX/XXXX for non-payment. The company can not provide any proof that I actually opened the account and can not provide an agreement says that I agreed to a termination fee {$300.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Navient has send XXXX of my Student loan to XXXX XXXX XXXX XXXX when I remain in College at this with other Student Loan from Navient. Also, my co-signer received the same letter. They should not even be part of my Student Loan. They state that if I pay XXXX that the Loan would be settled. I know this is Not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10
Company: XOOM CORPORATION
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
On XXXX XXXX, 2015 I went online and entered the relevant information on XXXX to transfer XXXX {$500.00} to my sister 's account in XXXX. Up to today, XXXX XXXX, 2015, 23 days later, the funds have not been applied to the account and neither has it been returned to me. 
I sent the funds in time to arrive before XXXX XXXX to pay towards a mortgage that is in arrears. The non-payment of these funds has resulted in additional complications for the property that was placed on an auction list. Payment before XXXX XXXX ( when another mortgage payment came due ) was important in order to reduce the accrued debt to below 1 month. With the non-payment, an additional month has been placed on the outstanding amount removing the breathing room necessary to accumulate sufficient funds to bring it current. I am stressed, worried and presently scrambling to sell the property so as not to lose financially. 

I requested a refund on or about XXXX XXXX, with the aim of sending it through another money transfer system. They suggested that they would pay the fee to do this. Up to today I still have not received my refund. The last communication from XXXX which came in this week, XXXX saying that the funds were in the account but it is not. Just today the local XXXX affiliate/company contacted my sister asking what type of account does she have. She told them again and provided a screenshot of her account. 
XXXX 's service has been wholly unacceptable, unreliable and highly unfair to me, placing me into unnecessary difficulties. 

XXXX - XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Navient Solutions, LLC.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
They started garnishing my wages up to amounts of 400 a month. I can not live with that much being taken out of my checks. I also received two letters yesterday with two different amounts with the same account number. I was never offered income based repayment. They offered that I pay a monthly fee plus what they were already taken out of my paychecks to get on a repayment plan. The cost would have equaled over 500 a month. I would get emails to defer but I 'm confused on what loans I 'm deferring if they were already taking all my money to survive from my paychecks. They are sending documents to my old address in Ohio which I have n't lived at in over 2 years and I have told them this. Again, how am I supposed to know. I am now under the assumption that I have paid to mich and the amount of financial distress put on me over the past year is sue worthy. The XXXX it 's put on me, my work, my life and how XXXX it made me when they made me feel like I had no other options. I want this made right. It 's disgraceful that a company treats people like this. I would work 7 days a week and would n't see my overtime because navient takes so much from me. This situation needs to be address and fixed and I need compensated for my money spent, which I have no idea where it went, my emotions, XXXX, XXXX, time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: Franklin Collection Service, Inc.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Franklin Collection Service , INC . Stated that I owed XXXX XXXX for internet services ; however, I never used XXXX for internet services. They have since reported the charge against my credit score XXXX. I sent them a written dispute, but never received follow-up correspondance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX XXXX, through the law firm of Blatt, Hasenmiller, Leibsker and Moore LL ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, IL XXXX ), has placed a a lien against our property in XXXX IL based on a default judgment in XX/XX/XXXX for a debt owed by a XXXX XXXX of {$3300.00}. We were not aware of the judgment until a property search was performed in XX/XX/XXXX. This is a case of mistaken identity and the judgment needs to be vacated for the following reasons : 1 ) We have never had an unpaid credit card or other loan balance with XXXX XXXX, 2 ) we have NEVER been served, so we could not respond to the charges even if they were to the wrong person ( the court claims the defendant had moved ) 3 ) she has no derogatory record on her credit report from XXXX XXXX, 4 ) she is currently a customer in good standing with a XXXX XXXX credit card.

Company response to consumer: Closed with explanation