davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-04
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (CA)

I secured a XXXX loan with Hyndai Motor Finance. My monthly payments are {$550.00}. due and payable on the XXXX of the month. On XXXX XXXX I made XXXX payments to Hyndai Finance. XXXX from my personal bank account and the other from my business account. I could n't stop the personal account payment because it was automatically deducted from my account. On the XXXX of XXXX I called Hyndai Finance and told them I had made a XXXX payment and requested a refund of {$550.00} because of this. I was then told by XXXX of their Customer service XXXX that he would arrange for the refund and I would be getting it shortly. Not true! XXXX weeks later I called Hyndai Customer Service back again, ( XXXX of the next XXXX calls I would eventually make to them ) and was told that I would have to wait a total of 20 business days till my refund was processed! I waited the prescribed amount of time and called again and again through XXXX XXXX. On XXXX XXXX I was told that my refund was being processed, they confirmed my home address and told me the payment " was in the mail '' ... Today, XXXX XXXX, 2015 I called because I had not received the payment and asked why ... I was told today that I needed to confirm with them that the original payments had been made and negotiated by the banks!!! 
Nonsense! they knew this was so on the XXXX of XXXX and acknowledged this to me! 
I have yet to receive the refund..I am helpless in this situation and have no idea when I will be getting my refund ... I have been ripped off by Hyndai Finance and do n't know how to solve the problem other than filing a law suit against them, which I believe I will do if I get no satisfaction this week. 
Hyndai Finance is a predatory scam operation..Their business practices are XXXX step below criminal..Their Customer Service Operation is nothing more than a " slip of the tongue, service, tell them what they want to here with no solutions to any problems ''. They do n't deserve to be in business nor do they deserve the fiduciary responsibility of taking my money. 
I would appreciate any help you can give me in resolving this situation..
Consumer complaint received 2016-11-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Hunt & Henriques (CA)

I had a XXXX XXXX Credit Card that was charged off. I called them to settle debt they said that an attorney XXXX & XXXX I believe is the name had the debt phone number XXXX XXXX XXXX XXXX. I have called and left several messages and nobody has gotten back to me and I have no other way of getting a hold of them to repay my debt.
Consumer complaint received 2015-12-29
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Called after sent written cease of comm
Company: CL Holdings LLC (CA)

I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, Jefferson Capital Systems, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital XXXX Systems that they had received my request for debt verification for the account owned by Jefferson Capital Systems, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital XXXX Systems XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. 

I was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be XXXX XXXX XXXX. 

I received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital XXXX Systems.
Consumer complaint received 2017-02-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: EOS Holdings, Inc. (CA)

I started by writing a letter approximately a year ago, letting them know the debt was being reported incorrectly. Since that time, without getting any response, I disputed the charge with XXXX credit reporting agency ( it was " verified '' which was a lie ) and hen a few months later, another CRA ( also " verified '' ). I have not followed through in getting it corrected as vigorously as I should by filing a complaint or suing because I 've been XXXX but I have done more than I 'm required to do and still they call and send letters improperly trying to collect the debt. This morning, when they called and I told him I do not owe the debt and that I am a current XXXX customer, they nastily insisted I prove it when all they have to do is call XXXX to check! And said I never wrote to them to dispute it but I did and I possess the receipt to prove it. My next step will be suing in state court if this report does not bring about a correction.
Consumer complaint received 2015-03-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: AFNI INC. (TN)

I have been contacting XXXX, XXXX, & XXXX for over a year to have them remove the " open '' collections that clearly states it was discharged thru my bankruptcy. XXXX has since removed these from my credit. However XXXX and XXXX has then reporting as " open '' not only that I am showing XXXX collections for the same debt that was discharged. I 've made several attempts to have these removed from showing open collections with no results, except from XXXX. I understand these are in my bankruptcy, however they are not " OPEN ''. I have been discharged from these.
Consumer complaint received 2016-11-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: AFNI INC. (MS)

I recently discovered a collection on my credit report from Afni, Inc. on XX/XX/2016. Unfortunately, I received neither a copy nor notification from the company informing me of this debt. I understand that under the Fair Debt Collections Practice Act 809 ( a ) states : Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ... 

I was not made aware of this debt until I saw it on my credit report. I have had no debt notices from the company fulfilling the requirement.
Consumer complaint received 2016-02-14
Product: Prepaid card — General purpose card
Issue: Fraud or scam — 
Company: Neon Newco Corporation (VA)

IRS says my funds were released on XXXX/XXXX/16 to my Netspend account that I 've had for years. A couple days go by and I still do not have my funds. When I call customer service it 's always someone Foreign who I can never understand. They tell me I need to check with IRS about my money. I should n't have to check with them when my direct deposit is with Netspend!! So I get on Netspend page on XXXX and seems like everyone is having the same issue. People opting for the Netspend card when they filed their taxes and no money. Turns out that Netspend has rejected everyone 's tax refund and now IRS will be mailing out a check on XXXX/XXXX/16. I had plans to move my family on a certain date now I ca n't thanks to Netspend not giving me the money that I have earned. They keep lying on their page instead of telling people the real truth on where their money is. The customer service sucks and they do not care about their customers.
Consumer complaint received 2016-08-29
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Vital Solutions, Inc. (OH)

A creditor sent me a fraudulent bill for {$1800.00} in XXXX XXXX. I sent the creditor a letter to cease all communications and confirmed that I disputed the charges. See attached letter. The letter was sent certified and the United States Post Office records confirm it was received by the creditor. 

Recently, I received a letter dated on XXXX XXXX, XXXX to attempt to collect the fraudulent charges. According to the Fair Debt Collection Act, a debt collector can not contact me since the original creditor was notified. Note that this is INDISPUTABLY a violation of federal law.
Consumer complaint received 2016-07-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MO)

Navient continuously calls me from many numbers throughout the day, I have tried to setup payments with them that fits my income. I have talked to them numerous times and every representative is rude and not willing to listen. Navient calls my personal cell at least 8 times a day even after XXXX which is business hours. Navient also continue to hit my credit report with inquiries causing my credit to continue to decrease. One of the Numbers ( XXXX XXXX XXXX.
Consumer complaint received 2016-10-01
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (MN)

I have been contacted by the General Revenue Corporation no less than 4 times and have called each time to request they stop contacting me. The last time a great deal of information was given and I was told they would stop contacting me. The debt they are trying to collect is not my own. It is for a person with the same first and last name as me. This has been said to them at each time of contact and each time I have been assured they would stop contacting me. I have received yet another letter today to collect a debt in full for a debt that is not my own.
Consumer complaint received 2016-06-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NY)

I have had a student loan with Navient { formally XXXX XXXX } for over 12 years they have made it impossible to pay off the loan by changing the terms of the loan without letting me know. Late fees were charged six times for one late payment as well as a fee for XXXX forbarence that was charged five times .The amount of interest taken from each payment no matter what the percentage of the loan was ridiculous. On a XXXX dollar payment almost XXXX dollars was taken in interest in one month and the amount of the loan I had to pay would jump up by thousands for from time to time. When I requested a print out of all the payments that were made they neglected to send a copy of 3 years of payments.. I can not understand how they can do business with all these things that do not seen legal
Consumer complaint received 2017-01-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NE)

I 've had several instances. The first one was when I made a payment and navient decided to allocate funds from one of my loans on the other leaving me short on one of my loans causing me to get a late fee and a hassle to get them to fix it on there end. And I 've also experienced many times when they 've taken a smaller amount of funds for my loans leaving me with late fees. And because of these late withdrawals and leaving me short they 've increased my interest rates.
Consumer complaint received 2017-03-28
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (IN)

shortly after graduated I started paying student loans and I called Navient to set it up so that my monthly payment would go towards highest interest rate first. I was denied multiple times and, after 2 years, was told by one associate that she could split my loans up in XXXX separate buckets. XXXX with higher interest rates and XXXX with lower interest rates. However, my monthly payment had to sprinkle across all loans. The only thing I could do was make additional monthly payments ( on top of my minimum monthly payment ) to the highest interest rate group. I 'm basically getting nowhere with this set up and I should be allowed to apply my monthly payment towards the highest interest rate loan first.
Consumer complaint received 2016-09-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CT)

This complaint is part of an ongoing issue with Navient in which my loans have been significantly mismanaged, resulting in improper loan amounts being displayed on their website with additional, fabricated interest amounts appearing, etc. Please see my prior complaint for more details. 

Most recently, Navient escalated my case to the " Office of the Customer Advocate, '' where I spoke with " XXXX '' at XXXX, extension XXXX. Although I signed up for automatic payments approximately four months ago, the amount has not once been debited from my account. Instead, my student loan payments appear as " late '' on the Navient website each month unless I pay manually. I resubmitted my application for automatic payments and, according to the website, it is complete, but my loans are still not being debited from my account. The first time this happened, I called XXXX back and spoke with him about the issue, and he said he was submitting a manual payment to take care of a loan amount that was several weeks late. He never submitted the payment. I tried to call him back again, and he ceased answering his phone or returning my calls, despite my leaving several messages and speaking to a " supervisor. '' I remain required to make manual payments every month despite the Navient website claiming my payments will be made automatically. 

In the screenshots I 've attached, please note that the payments are pending only because I submitted them manually prior to taking the screenshot.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Navient Solutions, LLC. (VA)

It will show up on my account that no payment is due and then they will come back saying I owe double and I can have late fees/penalties. It 's not usually accurate and it messes up my finances every month.
Consumer complaint received 2016-09-26
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (CA)

Navient is reporting me as 90 days late on a student loan payment. This is incorrect because I was enrolled in school when they claim that a payment was due. I 'm a military veteran and I 've been attempting to apply for a VA Loan for 4 months and this erroneous information on my credit report is holding up the loan approval. I have transcripts that prove that I was in school and and payments should have been deferred until I graduated which did not happen until XX/XX/2015. I also have my student loans consolidated with the XXXX XXXX so I do n't understand why Navient continues to report this erroneous information on my credit report. I have attempted to speak with a Navient representative about this mistake and they are rude each time I call and refuse to remove this information.
Consumer complaint received 2017-03-29
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF THE WEST (FL)

On XX/XX/2017, I discovered a {$160.00} fraudulent charge on my Bank of the West checking account. I had authorized a {$20.00} copay charge and the doctor 's office instead charged {$160.00}. I called Bank of the West that same afternoon and told them I wanted to report the fraud. The csr said she would mail and email the dispute form. After waiting 4 days with no response, I sent an email to their customer service dept. The response said I should just type out my complaint with all of the pertinant information and my signature. I faxed it to the number listed. Today is the XX/XX/XXXX and I still have not been contacted by the bank, nor has the money been credited back to my account. I have done this same procedure with another bank when my card was stolen and I was credited immediately and the issue was resolved with one phone call.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (DE)

I applied for deferment due to financial hardship and was denied even though I met the necessary financial requirements. Therefore, I defaulted because I was unable to repay my loan. This in turn affected my credit. After defaulting they offered me a 2 month deferment but only with the option of taking on the full payments again. I was unable to do that and now my credit has been affected and now my tax return will be affected this year as well.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (GA)

I have thousands and thousands of student loans through Navient. I have been through the ringer with them time and time again. My loans are on auto draft and they continuously call me to say that my loan has n't been paid. Every time I was accused of not paying, I called and spoke to no less than XXXX people before my issue was resolved. They acted like this was all my fault, until I was able to get an honest employee on the phone. Finally I was told, '' there was a glitch in our computer that takes payments. '' That would be fine if that were the only time this happened. Every 3 months they call and act like they need me to start paying more. They tell me that I have n't held up my end of the repayment agreement by being late on payments. This has happened more that 20 times over the last few years. They have more than doubled my amount owed, because I put them in forebearance when I was first out of college. I now owe $ XXXX when I should have paid around $ XXXX. The last excuse I was given for the " late payments '' was that the date that I had my auto draft payment paid to them was late every month. This is a date that an operator setup over the phone. They charged me late fees and literally had me XXXX. I told theme, on many occasions, " this has to be a scam!!! '' It always turned into me yelling, because they would pass my call around to so many people. Sometimes I would have to hang up, because I could n't think straight. I have had many sleepless nights, because of Navient. I live a terrible existence, and I have a job that pays above average. Getting a college education is the worst thing I have ever done, because of Navient. I ca n't take the harassment anymore. Please help me and the thousands of other people just trying to make a brighter future for themselves.
Consumer complaint received 2016-06-27
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (MI)

I have told navient on multiple occasions and have submitted proof that I am a XXXX, yet they keep harassing me during work and school hours with phone calls and emails. I have complained before that they will initiate contact without checking my enrollment status. This has happened at least 3 times. Their staff will not listen to me when I tell them I 'm a XXXX and they will not stop calling and emailing unless I report them, even though I 'm a XXXX. I have informed them on multiple occasions that as a XXXX, you do n't make loan payments, but the harassment will not stop. It 's causing unnecessary amounts of XXXX and I ca n't get work done or pay attention in class if they are constantly calling and emailing.
Consumer complaint received 2015-05-05
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Unified Global Group (TN)

I was contacted by XXXX XXXX on XXXX/XXXX/2015 inreguards to payday loan. man told me I had XXXX options to pay debt back. due to me unable to pay settlement on that date. I set up arrangement for XXXX payments of {$270.00}. I contact company today XXXX to see if I could be offered a settlement. after speaking with XXXX ( direct supervisor ) I was belittled and he then slammed phone on me. I called back and spoke with a XXXX XXXX who infmd me I am unable to do the settlement of {$320.00} that was offered to me before. I called again to get company information and was hung up on. I contacted again to get payments removed and man refused and hung up on me. 


I have already filed complaint on XXXX, and will be contacting a consumer rights attorney for FDCPA violations as well