milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 03/30/2017 about Debt collection (Non-federal student loan) with The CBE Group, Inc. (MI).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: To Whom It May Concern : I had taken out two ( 2 ) Parent Loans for my son when he attended XXXX University. He left college and the loan payments came due at a time I was dealing with debt left by a divorce. Rather than file bankruptcy I opted to settle with all creditors except for the parent loans. As time went by they did start a garnishment XX/XX/XXXX. 
My employer has deducted {$190.00} every two ( 2 ) weeks beginning XX/XX/XXXX per the United States Government Wage Garnishment Order ( XXXX ) in the amount of {$20000.00}. 
I contacted the Creditor Agency ( CBE ) last week to confirm the date I thought this should be paid in full ( approx XX/XX/XXXX ). I was told I still had {$5500.00} plus to pay and interest accrues daily. At that time I requested a transaction history on the collection of my two ( 2 ) accounts. 

I received their transaction history report that carries NO BALANCES. I received the payment history from my employer that carries remaining balance after every payment. I created a spreadsheet using BOTH CBE and my employer. 

First, the garnishment order of {$20000.00} consists of : 2 parent loans totaling {$14000.00}, Interest due of {$1900.00} and CBE Fees and Costs of {$3900.00}. 

Secondly, in addition to CBE 's fees/cost of {$3900.00} INCLUDED in the garnishment, they have collected ADDITIONAL fees of {$37.00} every two ( 2 ) weeks processing payments received as follows : XX/XX/XXXX - {$410.00} XX/XX/XXXX - {$1000.00} XX/XX/XXXX - {$970.00} XX/XX/XXXX - {$220.00} ( as of XX/XX/XXXX payment processed of XX/XX/XXXX payroll deduction - Why does it take so long for them to process? ) The collection company is receiving over half the cost of the original debt IN FEES to collect the debt. It 's a wonder anyone goes to college or that parents take out these loans not knowing what the future holds financially for them. 

Both myself and my employer have a total balance left on my garnishment of {$1700.00} per the payroll deduction of XX/XX/XXXX ( which CBE processed XX/XX/XXXX per their transaction history report ). CBE verbally told me I had a {$5500.00} plus balance as of XX/XX/XXXX. 

Finally, How can a wage garnishment order that is almost fulfilled have a balance that can keep growing seemingly never to end? 
Where are the checks and balances for the consumer or in this case debtor? Is n't a garnishment order for a specified amount only as listed in black and white on mine?

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2017 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint: I have called twice to XXXXXXXX XXXX requesting an explanation and a copy of the transcript of how I was authorized a credit card without my approval. Because of XXXX authorizing a balance transfer without my approval, my credit score took a significant hit due to 100 % utilization on the new card. I was made aware of the negative impact to my credit score, to my surprise, when I applied for a loan for a new property.

Company response to consumer: Closed with explanation
Consumer complaint received 09/28/2016 about Consumer Loan (Installment loan) with ACE CASH EXPRESS, INC. (MO).
Issue: Problems when you are unable to pay

Complaint: I began getting collection phone calls in XXXX 2016 on behalf of Ace Cash Express in which the collector would leave personal information such as bank info, ssn, etc on the voicemail. They also called references leaving voicemails with personal information and providing the references with personal information if they answered and disclosed that it was a debt. They also threatened that I would be arrested and that action should be taken now then the calls stopped. I began receiving calls again in XXXX 2016. The collection agent disclosed full name full social full routing and account number and full address without insuring that I was the correct consumer and before disclosing what the call was inregard to. After she provided all of my personal information she then decided to inform me that the call was in regards to Ace Cash Express.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2015 about Credit reporting () with CAPITAL ONE FINANCIAL CORPORATION (NY).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: while checking my EXPERIAN CREDIT report, I noticed unauthorized and fraudulent credit inquiries made by CAPITALONE on or about XXXX/XXXX/2015 & XXXX did not authorize anyone employed by this company to initiate any inquiry and/or view my credit.This action by CAPITALONE has violated my FCRA Section 1681 b ( c ), without cause or justification, to which constitute a serious privacy Act Rights violation. 
I have personally requested from this company to permanently delete this information and/or send me any signed authorization from me as evidence within five business days.To this extent, CAPITALONE has ignored my request and in addition has failed to respect the process as required under the FRCA.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (MI).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I ha ve   XXXX   l oans with Fedloan Servicing, they are reporting late on my credit report for  XX/XX/XXXX  and  XX/XX/XXXX , they finally put them in forebearance in  XXXX   XXXX ! I was in an in school deferment and that ended in  XX/XX/XXXX , i did not receive a Notice of Deliquency in the mail or by email that my loans were back in repayment in  XX/XX/XXXX ! I tried to explain to Fedloan Servicing Reps that I believed that my payments were already in forebearance automatically for 6 months after school is out, as I am still a student and I have not graduated! On top of that, I never received a late notice, I received a call on the 89th day and the Rep said that they would do a complementary forebearance to cover my period of delinquincey while I waited to receive my forebearance information and send it in, after i finally receieved the forebearabce information I was reported 120 days late which i just found out about this year when checking my credit report! I have never been late since  XX/XX/XXXX , and due to mis communication and lack of me receiving notices, fedloan will not remove delinquencies!

Company response to consumer: Closed with explanation
Consumer complaint received 01/24/2016 about Mortgage (Conventional fixed mortgage) with Caliber Home Loans, Inc. (CA).
Issue: Loan modification,collection,foreclosure

Complaint: Please explain what this corporate advance in the amount of {$130000.00} is for. 
Looks as though XXXX tried to shove the XXXX loan into the XXXX Trust on XXXX/XXXX/XXXX before the XXXX cut off date. XXXX never owned the XXXX loan, XXXX only acquired the right to service the XXXX loan. Then Caliber returns the loan back to XXXX on XXXX/XXXX/XXXX, 2 days before the loan was allegedly sold to the XXXX Trust? Please explain this back room deal in detail. The print out from my XXXX online mortgage transaction history shows the corporate advance. The Detailed Account History from XXXX is attached that was provided in response to my CFBP complaint in XXXX XXXX against XXXX for fabricated documents used to illegally purport ownership of my home. On this account history the corporate advance information was omitted. What are XXXX and Caliber trying to hide? The fact that they are working together to steal my home. 

XXXX/XXXX/XXXX ( XXXX ) XXXX/XXXX/XXXX - XXXX The XXXX Trust closed in XXXX XXXX XXXX/XXXX/XXXX - XXXX XXXX/XXXX/XXXX ( XXXX ) Looks like the XXXX XXXX was returned to XXXX XXXX allegedly sold the XXXX XXXX to Caliber on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12-01-2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (VA).
Issue: Account opening, closing, or management

Complaint: On XXXX XXXX, 2016 the collection specialist for Wells Fargo bank by the name of XXXX XXXX contacted me in relation to settling and discharging a debt. I emailed XXXX XXXX a copy of a XXXX XXXX dollar bond that I have on file with XXXX and XXXX XXXX finance statement that I have on file with the court. The bond gives me the legal right to set off debt pursuant to IRS XXXX form and the financial accounting standards board law. The bond was accepted on XXXX XXXX, 2016 by the XXXX and was sent by registered mail with return receipt. The XXXX never disputed the bond for the purpose of discharging debts. XXXX XXXX was extremely rude and obnoxious over the phone and made false accusations stating that my bond was erroneous. XXXX XXXX is not in a position to make a determination if the bond is erroneous because he is not a lawyer or judge. In closing, XXXX XXXX refused to fully allow me to explain the purpose of the bond and he hung the phone up on me. XXXX XXXX XXXX phone number is XXXX. XXXX XXXX should not be working at Wells Fargo Bank because he is disrespectful and has a hostile personality trait. Bank representatives are suppose to treat there clients with the upmost respect regardless of their disagreements with customers.

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 11-06-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with ALLY FINANCIAL INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: Ally Financial reported that I had a history of payments 31-60 days. This was an auto loan I took out for my ex-husband XXXX. I always made timely payments. During our separation/divorce period he took over payments and should have the title and paid it off. If my credit is showing late payments due to XXXX XXXX XXXX, I need to know about this and see if I can do anything about it.

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 09/23/2017 about Debt collection (Payday loan debt) with COMMUNITY CHOICE FINANCIAL, INC. (TX).
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint: On Saturday,XX/XX/XXXXat XXXX CST a call was placed from I, the consumer, to Cash Central. I do not know for certain if this is the company that has been completely rude and obscene to me because they do not identify themselves when they are leaving voicemails nor do they identify themselves when answering the phone. If you call them at the number they leave you on your voicemail it 's always a representative that says " Corporate, this is ( say their names too low so you ca n't hear them ). '' The first representative i spoke with was a woman although I could not get her name because she whispered it. I advised her I was calling in to request for all communication to cease and desist since I had already asked them to not call me anymore on XX/XX/XXXX at XXXX yet they continued to call my employer and references. On XX/XX/XXXX I was hung up on 2 times for asking to speak with a supervisor as well. The woman then transferred me to a man in " corporate '' who 's name was also whispered on the line. I provided all account information and was cooperative the entire time. I asked him to cease and desist all communication on my account and he advised me " yeah that 's not going to happen '' because my account was currently in collections and because I needed to pay everything at that moment. He was very rude and advised me that they will continue to try and charge my checking account until they get their money so to " just keep an eye out and to expect for my money to be gone ''. I asked him, on a supposedly recorded line, " Are you refusing my request for all communication to cease and desist? '' He stated " yes he was not going to stop any calls until you actually pay everything. '' I advised him I will pay their company when I can and have the ability to do so online. He still refused to cease and desist even though there is no law that states they can refuse that request if the account is in collections at that moment. He stated he would only stop the calls until next Friday for me to pay everything then after that they will continue to call me, my employer and references. He also advised me they will most likely take all of my money from my checking account before then either way so to just keep an eye out. I understand i am behind. That was never my intention to begin with. I could not help the fact that Hurricane Harvey affected my immediate family and I am obligated to do everything in my power to ensure their well being. However they did n't care to even try to listen or ask why I am behind or offer any type of assistance other than assisting me with attitude, being rude and obscene then hanging up on me.

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 05/23/2017 about Vehicle loan or lease (Lease) with NISSAN MOTOR ACCEPTANCE CORPORATION (PA).
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint: XX/XX/XXXX  , day before my   XXXX   birthday Myself & Son went to   XXXX   XXXX     XXXX  Pa, sales person   XXXX   XXXX   ... the way Girl explained things   XXXX    would pay off  XX/XX/XXXX    XXXX   XXXX   found out  XX/XX/XXXX   XXXX   XXXX   was not paid off ... I contacted   XXXX   XXXX   & spoke to the finance dept at  XXXX ..  XXXX   said there was nothing they could do..I asked  XXXX  if the contract could be renegotiated I was told NO! ... I came into the dealership with an advertisement stating They   XXXX   could save me {$200.00}. On car payment ... I end up owing a $  XXXX car payment plus a {$420.00} lease per month ... that was not what I bargain for, I 'm  XXXX  on a fixed budget, I take care of my   XXXX   XXXX   XXXX   XXXX   Niece ... WHY WOULD I TAKE ON   XXXX   CAR NOTES .... &    XXXX   XXXX   XXXX      did a BATE & SWITCH , My Son also heard   XXXX   state they would cut a check that same day to pay off  XX/XX/XXXX   XXXX   XXXX   ... .I left   XXXX   XXXX    XX/XX/XXXX  with the mindset that the XX/XX/XXXX  was PAID OFF.  XX/XX/XXXX I found out different and started calling everyone ... ..I 'm

Company response to consumer: Closed with explanation
Consumer complaint received 02-11-2017 about Credit card () with U.S. BANCORP (NC).
Issue: Closing/Cancelling account

Complaint: This Bank is preying and profiting on peoples attempts to rebuild their credit. My story is similar I thought my year was upcoming then I received a Savings Account Statement showing my Secured Deposit - so I called Their customer service is the most untrained, rude I have ever spoken to I inquired did if I received statement as my year was up, she replied yes - no answer when I pointed out it says nothing to that effect anywhere-Then when I asked how to get my deposit she said I could apply for unsecured or close account?? So I asked min qualifying score she said XXXX she thinks??? I said I wanted to cancel then and have my money refunded to which I was told today is XXXX XXXX you cant to anything after XXXX XXXX so I called back morning of XXXX XXXX and this time I was told if I wanted to cancel account I had to do it in writing and the {$29.00} membership fee I was also just charged was NONREFUNDABLE?? I asked if she couldnt waive and locate the documentation of my call two days earlier requesting cancel NO it does not matter your account will not officially close for 60 days FEE STANDS. Anyway the result of my year with USBANK consisted of the following I lent them interest free my deposit ( and contrary to website did not pay interest to me on Secured Deposit ) they held my money for a year, charged me interest and also by their methods that are NOT stated in any paperwork or on website I could find they either deny Secured Card or waiting another 60 days for refund and being charged for a year membership fee! The only effect for this card is NEGATIVE but I have during the year gotten unsecured cards - no membership fee I have reviewed all paperwork and website and this 60 day wait or process regarding refund of security deposit or procedure is not posted nor was it sent to me.

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 09/29/2016 about Debt collection (Mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: On XX/XX/2009 I defaulted on a mortgage loan number XXXX. On XX/XX/2009 a fourclosure complaint was filed. The property than went to final judgement and the house was actioned off. The original servcer of the loan was XXXX Mortgage, Than the servicer was switched to Countrywide home loans and than to Bank of American N.A. I defaulted on this loan well over 7 years ago. Bank of America is still reporting this negative information on all XXXX of my credit reports. This are reporting complete different time dates and defaults on each credit report. Basiclly they have no idea when the default accured because the loan was transfered so many times. Attached is proof that tha default accured over 7 years ago. You can clearly see this on older credit reports i have also inclosed,

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 07/16/2015 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: After the past several years of XXXX, starting at the height of the subprime mortgage crisis, my wife and I have been through hell with our property in XXXX. Everything from a neighborhood turning into a criminal wasteland because of everyone walking away from their bad investments, to wasting our money on lawyers and loan mitigators, to our home eventually being foreclosed upon. Somehow the foreclosure was not the end of the story. A debt collector, XXXX XXXX XXXX, has been attempting to collect a large sum of money from us. 

In short, we began with XXXX, ended up with XXXX XXXX XXXX, and now XXXX XXXX XXXX ( although according to real estate records our home has been foreclosed upon ). Our problems started in XXXX while I was on XXXX. We walked away in XXXX due to a significant increase in crime in our once respectable condominium community ( and a 60 % drop in value of our property ), and rented a house in a safe neighborhood in XXXX. There was no way I 'd leave my wife and daughter in such a failed and unsafe community that our XXXX neighborhood became. 

This year after returning from another XXXX, we learned our property was foreclosed upon around XXXX, and are still being hounded by the debt. This has severely impacted our credit reports and have further professional implications as well. I have n't had time to tend to this problem until now. We need some help! 

Please let me know if you need further data. I have a tons of documentation that include the Trustees Deed of Sale. 

RespectfullyXXXX XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11-01-2017 about Credit card or prepaid card (Store credit card) with SYNCHRONY FINANCIAL (MD).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: I have purchased a set of the furniture and applied the credit card when we purchased on XXXX. We were told they are no interest for 24 month. 

As always, we set up the auto debt from our bank, we had paid our minimum due on time for past 2 years. On the XXXX XXXX, we only left the balance as of {$3500.00}, but the Synchrony bank charged us {$4300.00} for interest, please see the statement attached XXXX. 

We understand the credit card will charge customers interest on the balance whatever if they did n't pay, but this bank goes back to charge the interest for past 2 year for the promotion period, I have never known. We found it in XXXX, XXXX, and paid off all balance plus interest charges. 

I called the bank and tried to understand, they told me that is the way they design the program to make the profit. I spoke with the manager name : XXXX, she wo n't give me any government agent contact when I asked her for the third party review for the justice. 

We need justice on this issue, this is no ethical business. As a customers we are lack of some knowledge and not paying the attention to the detail, but as a financial institute should not work on this way for the innocent customers and like rob money whoever get track in. 

I am not sure if you are the proper place to listen to us, or please refer me to other agents, we need to appeal for this issue. 

We are looking forward to your reply. 

Thank you very much -- Regards, XXXX XXXX and XXXX XXXX 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 monetary relief
Consumer complaint received 07/18/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: On  XXXX   XXXX , 2017 and again on  XXXX   XXXX , 2017, I attempted to dispute inaccurate information on my credit report with  XXXX , and was told that they do n't allow for the dispute of inquiries, that if they are on my report, they are accurate. I feel they are passing the investigative process on to the consumer, and violating the FCRA.   XXXX   and Experian allow for the dispute of inquiries, but neither do a reasonable and adequate investigation, both completing their " investigations '' in less than 24 hours.

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 04/25/2017 about Student loan (Federal student loan servicing) with NELNET, INC. (CA).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: This is in reference to my previous complaint #  XXXX .      XXXX / XXXX /  XXXX   - I contacted a CSR at Nelnet to find out the status of my student loans. I was told that my student loans had been put on Forbearance, from  XXXX  due to an error in processing my REPAYE recertification. At no time did I ever request that my loans be put on Forbearance as I am almost 5 years into my 10 year plan of  Public Service Loan Forgiveness  and I knew that a Forbearance would negatively affect my plan. I was never told that my loan was being put on Forbearance. I was done without my consent. Because of this mistake, I was told that my payments of {$100.00} were insufficient and more interest was added to my balance, bringing the grand total to {$95000.00}.

Company response to consumer: Closed with explanation