milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-11-2016 about Debt collection (Credit card) with SYNCHRONY FINANCIAL (IL).
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint: syncb/gap charged off my account for XXXX dollars while I had already paid XXXX this shows on my credit report and this is from 2010. They put a judgement on my record disabling me from getting a job without my knowledge. I had received a summon and responded to it in the mail that I paid this debt and closed the account. since the collections company is in business with the judge they still disregarded the letter and put the judgement. The collections company will not provide me with copies of statements showing that I paid what GAP wanted me to pay in order for me to close the account. They stated that I need an attorney to call them to get the records. Attornies do not call debt collectors. The debt collector is XXXX at XXXX and XXXX and I have received threatning calls from them stating that they will put a lien on my house. After further research I discovered that they have a court date to move this case to a different district which may be corrypt so they can further put a lien on my house. How can there crooked people get away with this - so GAP charged off XXXX then sold the debt to thes epeople plus made money on my XXXX which they will not disclose? This is outright fraud! So they are using my social security number and they will not send me my own statement, putting the legal system in front because they know that it is corrupt? I sent letter to GAP and Sync bank and noone will respond becaus ethey think that in front of a corrupt judge they can get away with pulling this off? The court records show that they are trying to move this to a different disctrict number XXXX. I talked to a XXXX at XXXX and I asked for the records and she stated that I need the attorney to call them for my records from 2010! ~ I want my GAP statements from 2010 showing my history and payments! My number is XXXX or e-mail XXXXXXXXXXXX XXXX name is XXXX XXXX

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 11-11-2016 about Bank account or service (Savings account) with KEYCORP (NY).
Issue: Account opening, closing, or management

Complaint: Called XXXX to close XXXX accounts which had held approximately {$200000.00}. I moved money out on Monday and Thursday day before. I asked about trailing interest for the money market account which held the bulk of the {$200000.00}. The telephone representative say they would not pay the interest, because I was closing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 03/14/2016 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Delinquent account

Complaint: I 've had a credit card with Bank of America for 8 years. In the last few months I was having trouble making my payments. I called in and requested assistance and was told the assistance offered to me would make my payment hire. I then spoke with an associate about a settlement and decided that would be something I would like to do. After agreeing to the settlement, I did more research on the topic to make the best decision for myself then decided I would rather pay the loan in full and keep the card and acct. I called in to cancel the settlement and to advise I would like to pay in full. The representative repeatedly agreed that would be the best choice. She later told me I could n't cancel the settlement. Her manager later got on the phone and completed the cancel action in a few minutes. The next day, my account was charged off. I advised I only canceled the settlement due to my preference to pay in full. The representative told me she could put in a request to reverse the charge-off and scheduled a payment for approx. {$6500.00}. I advised I believe the full balance to more than that. She reassured me it was n't. I later called back in and asked a gentleman to confirm my balance the previous representative gave and he too told me the balance was approx. {$6500.00}. This morning I called to request a status on the charge off and was advised I had a balance of approx. {$1100.00}. I then got transferred and was advised of a $ XXXX balance. I walked her through my desires to resolve the account in full and have the charge off removed and my card reactivated. She adjusted the payment I have scheduled for XX/XX/XXXX to reflect the full $ XXXX but I still do n't know if doing this I will still have a charge off on my credit report. I 've been a customer of bank of America since I was XXXX/XXXX years old. I initially asked for assistance and could n't receive any. Now, acquiring the funds to repay my debt has turned out to be frightening and disappointing. I am currently in a charge off status. I am out of XXXX dollars and have nothing to show for my ability to repay my debt. Instead of securing a promise to pay for the payment in full, the agent decided to charge off my account. I do n't feel appreciated as a customer and I do n't believe Bank of America truly is interested in me doing the right thing. I can remember the agent on the phone when I expressed my desires to payoff the account in full asking me ... '' if you have money to payoff the account, why not continue to make your payments? '' What kind of company with any kind of morals would say that to a customer? At that point, I personally felt like their goal was to continue to get interest payments from me instead of putting my best interest first and helping me resolve a debt I owe.

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 01-08-2017 about Prepaid card (General purpose card) with Empowerment Ventures, LLC (CA).
Issue: Unauthorized transactions/trans. issues

Complaint: My complaint is about how Rushcard decided to close my account without my knowledge and tried to keep my money. Rush card accounts department decided to close my account but they did not tell me. In addition, they allowed my payroll check to go into this closed account. Then, Rushcard 's customer service refused to give my money back to me for 4 days. I kept calling and calling yet they decided to gaslight me at every turn. Every customer service person decided to lied to me and felt like that my money belonged to them. Particularly, sales associate XXXX who lied to me and told me that she did not want to give back my money. Also, her supervisor XXXX who yelled and tried to cussed me out. After all of this, Rushcard gave me back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 07-06-2017 about Payday loan, title loan, or personal loan (Payday loan) with All American Check Cashing, Inc. (MS).
Issue: Charged fees or interest you didn't expect

Complaint: I got a loan of {$360.00} from all American check cashing on XXXX XXXX,2017 after I  got the loan the law came out that all American check cashing license was revoked. I got a call from them stating that they changed there name to XXXX XXXX and telling me I still have to pay. I told them about the license been revoked and they told me somebody bought the franchise. They filled the checks out for all American check cashing no XXXX XXXX so there for I should not have to pay right? They have been trying to send the checks through my account causing me to be in the negative. How can I get them to stop or pay me back since they can not do that wit all American check cashing no longer extist. Can you please email me on what to do. I would greatly appreciate it. My email is XXXXXXXXXXXX thanks and have and nice day.

Company response to consumer: Untimely response
Consumer complaint received 04/25/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (TX).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I have been paying the interest  on my loans for three and a half years now. Navient has changed its website several times. The first time they changed it, I had to click on Tools and Requests in the new Navient website and then click on Go to previous website to pay my interest on my loans. In attachment # 1, you can see all of the  loan information, how they represented it, and the interest I paid on each loan. The loans go from  XXXX  to  XXXX  in the first attachment. This is what it look like for the past three and a half years. They recently changed their website again this month of  XXXX   XXXX . This new format is se en in attachment # 2. Now in attachment # 2, notice you can see four extra loans at the top of the page which are not in attachment # 1 and have not been for the last three and a half years that I have been paying interest on these loans. These extra loans that appeared out of nowhere for the first time in three an d a half years are as follows : 1-01-Stafford-Subsidized,  XXXX  Stafford-Subsidized,  XXXX   Stafford Unsubsidized , and  XXXX   Direct Loan-Subsidized . I know this is not suppose to be there, because in attachment #  XXXX  it shows loan number  XXXX   Stafford Unsubsidized  with an interest that has accrued in the amount of {$370.00}. None of my other loans show accrued interest, because I have been paying on them every  two  weeks which is proven in attachment #  XXXX . This loan (  XXXX   Stafford Unsubsized  ) has apparently been buried in their system somewhere for the last three and a half years, because a Navient representative (  XXXX  ) told me I got that particular loan in  XXXX  when I went to  XXXX  University. I started going to  XXXX  in  XXXX  of  XXXX . My compliant is that  Navient  has misrepresented my loan information, so now I have accrued interest of {$370.00} on loan number  XXXX   Stafford Unsubsidized,   because they left this loan out my sight or off of their records and website for the last three and a half years. I understand that I have to pay the accrued interest, but they have misrepresented my loan information for the last three and a half years on their website. I called them on  XXXX   XXXX ,  XXXX  and they acted like they just did not care. They could not explain what had happened, admit it, or even why it happened.

Company response to consumer: Closed with explanation
Consumer complaint received 05-11-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (AK).
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint: This company repeatedly calls me at  XXXX  and  XXXX  Alaska standard time.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Payday loan, title loan, or personal loan (Personal line of credit) with KEYCORP (NY).
Issue: Charged fees or interest you didn't expect

Complaint: I attempted to close all of my accounts with Key Bank after they closed their local branch. I XXXX  out my accounts. They began charging maintenance fees and then taking money off of a checking plus ( credit line ) account without contacting me. They have now done this for several months and I was n't aware of any of these charges until I received a past due notice. 

I have called, the customer service rep said they would contact the branch to have the charges reviewed and reversed. It has been 10 day. 

My complaint is that I keep getting calls from an international service center on behalf of Key Bank. They call me on a known number with my account and then start asking me for the last 4 digits of my SS #, and when I refuse my address and DOB. There are way too many scams going on in the world for a reputable bank to be calling consumers and asking for NPI via phone. I 've told them this several times and they insist it is for my safety. I asked the one of the last CSR for her social security number, children 's names, and their DOB none of which she would provide. Point proven I thought, but then I got another call. 

Consumers fall prey to phone scams because legitimate banks use XXXX service centers and XXXX procedures for identifying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (IL).
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint: Navient will not work with me with repayment plans. They tell me I have no more options and want me to pay $ XXXX/ month. I only make $ XXXX/yr. I paid over {$5000.00} in interest with them last year. I try to explain to them that I can not afford these payments each month, but they refuse to work with me.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2016 about Debt collection (Auto) with GENERAL MOTORS FINANCIAL COMPANY, INC. (VA).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint: This debt is from 2006 This is the 1st notice I 've received since then and my check is being garnished. This debt had passes the SOL.I was never informed they were working towards garnishment.

Company response to consumer: Closed with explanation
Consumer complaint received 06-11-2015 about Debt collection (Credit card) with HSBC NORTH AMERICA HOLDINGS INC. (CA).
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint: XXXX XXXX contacted me regarding a charged off HSBC. I advised the collector that I did not believe the debt was collectible because it was already charged off. I requested debt validation via phone, fax, and mail. I never received anything and they stopped contacting me. They then obtained a default judgement. I was never served. They never validated the debt. My paycheck was garnished and when I contacted my employer I was notified that my paycheck would garnished for 25 % until the debt to XXXX XXXX XXXX is paid. I contacted XXXX XXXX at XXXX XXXX XXXX and she said I owed {$1700.00} as of XXXX XXXX, 2015 and interest was still accruing. I asked her to validate the debt and she advised me it was from a XXXX XXXX collection on an HSBC account ending in XXXX. I advised her that XXXX XXXX never validated the debt and demanded that XXXX XXXX XXXX validate the debt, in writing, and asked how they received a garnishment order without a court order. She said it was public record. I asked her to forward me a copy of the judgement. She declined. I have medical issues that are exacerbated by stress and I just wanted to be done with this nightmare. I offered {$1000.00} but she declined and countered with {$1200.00}. ( The most I have ever owed HSBC was {$630.00}. ) I agreed and offered to pay with a debit card. She refused and said she HAD to have my checking account routing and account number in order to make the agreement. Against my better judgement, I contacted my bank for the routing number and discovered {$820.00} had already been garnished from my paycheck. I called XXXX back and asked her to draft a written agreement that the account would be paid in full once the remaining {$430.00} was paid. She refused, saying that the amount garnished does not affect the {$1200.00} settlement amount. I refused to give her the checking information and she said they would continue with the garnishment. To date, my wages are being garnished, the debt has not been validated, the actual amount owed is unknown, I 'm not even sure it is my account, and I do n't know how they got a judgement without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 09-06-2017 about Money transfer, virtual currency, or money service (Mobile or digital wallet) with Coinbase, Inc. (GA).
Issue: Problem adding money

Complaint: I use Coin base to transfer my big coin 's and for some reason they made my bitcoin vault negative XXXX $ and they need to reset it to XXXX I can not withdraw any of my funds

Company response to consumer: Closed with explanation
Consumer complaint received 05-12-2017 about Debt collection (Medical debt) with Community Health Investment Company, LLC. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I received a bill today address to Me, except it had my boyfriends name added to the end of mine. The bill is my boyfriends bill. In the body of the letter is states the patient is my boyfriend, account number, service date and amount owed.     I called to ask why they are sending me a bill for his account, and advise them that they ca n't just add a name to someone else 's bill and say it now is this persons bill and this person is responsible because they say so. They kept asking me what his dob was. I would n't provide it.     First, it 's against the law for them to be discussing 'his ' account with me, it violates his privacy act, and HIPPA  XXXX      Second, if they sent me the bill and state that it 's mine, they can have my information and we will discuss it. I am not providing someone else information to them. They would n't discuss anything further and second time I called t he manager realeased the call for not providing 'his ' SSN.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/19/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: First of all, thank you for the work you do. You are all invaluable and underappreciated. 
When I started repaying my loans around XX/XX/2014 after graduating university, I was not aware of Income Based Repayment. Only after I have maxed out all my credit cards ( about XXXX dollars added on top of what I already owed ), and when I had no means of paying the over XXXX a month I was being charged, did I find out about income based repayment. My credit will take a couple of years ( about 2 ) to recover ( that 's because I 'll stay at home and eat mainly chicken, eggs, and ramen ). Granted, I 've had a recent hard inquiry into my credit, and I missed one payment one year ago, but the amount of credit card debt I have now is the major factor affecting my credit. And the APR on my credit cards are double the rate that the student loans were charging me. If I just applied for IBR right after returning from university, would I be in the situation I am in now? Did I miss an opportunity? How much money did I actually lose and continue to lose? I 'm only paying XXXX a month now, and my previous job, when I first left university, only paid me half of what I make now. I went to the XXXX XXXX XXXX XXXX XXXX, in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/29/2016 about Mortgage (VA mortgage) with OCWEN LOAN SERVICING LLC (MA).
Issue: Settlement process and costs

Complaint: I let my ex Husband keep the house in our divorce. I had to sign over the deed to him so he could put the mortgage in his name only per the divorce agreement. He was able to do this and the mortgage went to OCWEN. Somehow they put the mortgage back into my name and the new note does not have my signature. I have asked numerous times for a copy of the mortgage agreement and they have not given me one because I do not live at that address anymore. I never signed anything authorizing them to increase my debt. Please help me in fixing this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 01-07-2016 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Account opening, closing, or management

Complaint: Back in 2013 I was given a USPS money order from an individual and it turned out to be a fake money order. Not knowing that I deposited the money order in my account and it was returned due to it being a fake. I reported the incident to the Postal Service and they told me they would look in it. Meanwhile Bank Of America which was my Bank at the time quickly closed my account and reported my name to XXXX without ever contacting me or anything. This is all for {$11.00} which was paid back in XXXX of XXXX. It clearly shows account paid in full on my XXXX profile and yet Bank Of America refuses to remove the information and I can not open any account at any Bank with this information on my profile. This is totally unfair. I was a victim of fraud and non of this was my fault. B Of A never bothered to help me in this case and they blamed me for it and closed all doors on me. I just want my name removed from XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/13/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: I requested my mortgage servicing company to cancel my escrow account be my mortgage payments continue to escalate over several years until now we can not afford the payments on the loan for the current year of XXXX. We submitted a request in XXXX XXXX. I was told since we have a conventional loan a written request must be faxed or mailed. I sent the request through a fax letter with the loan number. This company police holds {$700.00} in reserve fund above the total amount it disbursed for property taxes and insurance. We are now finding it hard to make new loan balance payment each month for year XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 05-05-2015 about Consumer Loan (Vehicle loan) with TOYOTA MOTOR CREDIT CORPORATION (MI).
Issue: Shopping for a loan or lease

Complaint: In XXXX of 2010 I purchased a Toyota. I did not know that at that time there were massive recall of Toyotas due to acceleration problems causing death and accidents. The company did not mention this fact. 

A few months later, unaware of this problem, I was driving the car on freeway XXXX south. The gas pedal stuck. I had to drive off freeway almost causing accidents and drive in field until car became stuck in mud. What if I had grandkids in car!!???!! 

So after months of disputes over not paying -- because who is going pay and drive a car that is unsafe, I turned car in to dealer. I have filed complaints about this. I was told that nothing negative would be reported about me to credit bureau. Haha more lies. 

It is on my credit report as Toyota Motor Credit Co. This car was a XXXX, unsafe.

Company response to consumer: Closed with explanation
Consumer complaint received 01/25/2018 about Debt collection (Credit card debt) with WELLS FARGO & COMPANY (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: PLEASE HAVE THEM TO RECHECK THEIR RECORDS, I PAID XXXX ... DOWN ON THIS ACCOUNT ALREADY ...

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