milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10/21/2015 about Debt collection (Non-federal student loan) with Allied Interstate LLC (KS).
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint: Allied Interstate, LLC-representative XXXX XXXX called me while I was at work. This is a new job for me, and has not been listed on any of my student loans or for collections. This representative did not call the main line at XXXX XXXX ; he called the Shared Solutions line for XXXX and asked to the XXXX agent to transfer to me personally. We are a HIPAA entity and have patient sensitive information on our screens all day, but he still called a private line used for XXXX for patients w/ XXXX . He stated that they just received the collection matter from XXXX XXXX XXXX last week on XXXX/XXXX/15 for a debt on a private student loan over {$39000.00}. The rep stated that he had a cell phone number listed and he tried to call it right before calling my work on a HIPAA line ; however after checking my phone records this rep never even tried to call my cell phone ; he just called me at work and not on the main work line, he called on the Shared Solutions/Copaxone line used for patients. He then stated I needed to call him back on my break at XXXX ; so I did twice and the rep never answered and I left 2 messages which were never returned. The rep during the call said, " Why would n't I call you at work you owe over {$39000.00}, and I 'm trying to help you ; I can offer you a deal to get this paid off. '' I have never received any communication via or written from Allied Interstate prior to this call at work. The rep was very rude, and I still do n't know if they actually have this loan in their collection office, and I question that they got the loan in their office on a Sunday XXXX/XXXX/15. My main concern is that Allied Interstate , LLC ( this is where the rep said he worked for ) has had the loan in their office for 1 week, they have n't tried my cell phone if they have no messages were ever left, I 've received no written communication ; the first communication I receive is at my work that the rep called on a private line for Copaxone patients ; also, I was not able to determine if this was a legit company and if they really have the loan in their office to collect on as the rep was vague and rude ; I also returned his call as requested and my call was sent directly to voicemail with XXXX messages never returned. I do not have my current employer phone number listed for any purposes at this time, and not for sure how they even got the XXXX phone number to call me ; which is n't even the employer themselves ( XXXX ) but one of their private patient lines.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/21/2015 about Money transfers (Domestic (US) money transfer) with BANK OF AMERICA, NATIONAL ASSOCIATION (MD).
Issue: Other transaction issues

Complaint: My friend transfers fund to me according to my mobile number and I got a text from BOA saying that my account will be credited. However, I actually did not get the fund. The BOA said that the fund was transferred to the person who had this phone number before me because the phone number is bounded with his/her account, not mine. The BOA has tried to contact the person who received the fund, but got no response. The only solution BOA provided is to suggest me to call a lawyer to sue that person who received the money. XXXX reasons that I wan na make a complaints to BOA : ( 1 ) My friend is required to input the phone number and the recipient 's name ( My name ), but the fund actually went into a person with different name. The BOA did not match all the information. ( 2 ) I got the text from BOA saying that " xxx sent you xxx. Your account will be credited ''. " Your '' here should refer to the person who currently have this phone number, who should be me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 02-03-2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (SC).
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint: credit report is showing a tax lien that has surpassed the statute of limitations for a lien in XXXX co georgia for XXXX . i spoken with irs and paid my back taxes. its still showing oon my report. im trting to use my va benefits to purchase the home but this inaccurate lien wont go away.

Company response to consumer: Closed with explanation
Consumer complaint received 05/24/2016 about Consumer Loan (Vehicle loan) with SANTANDER CONSUMER USA HOLDINGS INC. (CA).
Issue: Problems when you are unable to pay

Complaint: I have auto loan with Santander consumer, USA. I got in a hardship situation, I lost my father, lost my job. I kept in contact with Santander and let them know my situation and they understood. I called them and they called me as well. On XXXX XXXX 2016 I talked to XXXX in the president department of Santander. He told me that If I made payment {$1000.00} that the day and then 10 days later paid {$350.00} that I would be back on track and then just make my normal monthly payments. Later, I found that they had charge off my account and they will not be reporting my payments. I called them again and talked to XXXX and ask him for supervisor. XXXX said let me know try to help and if I do n't resolved the issue then I will give you to my supervisor. I told the situation and he went to talk to XXXX and came back and said their was nothing that they can do or change the charge off your credit report. The problem I have is it was not charge off when I was talking to XXXX but now it is they put XXXX XXXX on my credit report. I had made agreement with them and I stuck to my agreement and did what we agreed to. I do n't understand how they can charge off my account with me keeping my car. I need to know what my rights and what I can do about this situation. I have recently went through the reviews on this company and see that they do this to a lot of people and also not give them their titles when the vehicle is paid off. I have had problems with they trying to charge me last year repossession fee when they never repossed my vehicle. I want to filed a complaint on Santander Consumer, USA

Company response to consumer: Closed with explanation
Consumer complaint received 08-07-2015 about Credit card () with HSBC NORTH AMERICA HOLDINGS INC. (NY).
Issue: Customer service / Customer relations

Complaint: Today XXXX XXXX was attempting to make my monthly payment to my HSBC Platinum Credit Card. Then I get this ridiculous error message : " *You may submit a payment for Today until XXXX MST. '' At the time of my payment it was XXXX EST which would make it XXXX MST plenty of time you 'd think for me to submit payment, right?????? BUT NOOOOOOOOOOO!!!!!!!!!!!! Even though minimum was not due today I make the effort to call HSBC to settle the score. What followed for me was a nightmarish series of questions when even though I had established my ID the indignant HSBC rep proceeded to ask me if I have any other bank accounts ; if I have direct deposit and if so whom it 's from and for how much. ALL THIS BECAUSE THEIR BACKWARDS SYSTEM WOULD NOT ALLOW ME TO MAKE A PAYMENT!!! 

This is a tale of horror from an indignant banking institution that needs to understand what good customer service means and not proceed to torture a paying CUSTOMER WHO WANTS TO SETTLE HIS BILLS!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 11-09-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AES/PHEAA (WV).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: American Education Services Have repeatedly put disputed credit on my report after they were informed not to put anything until a resolution could be possible through an attorney. They place it 4 times with no owed money, just killing my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 05-09-2017 about Debt collection (Medical debt) with Choice Recovery, Inc. (OH).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I had a procedure performed at  XXXX   XXXX  in  XXXX  Ohio in late  XXXX  of  2016.   I offered to pay the bill at the time and I was told that I did n't need to at the time because I have insurance. The next month we moved to a new temporary address as our home was sold and we were waiting for our new home to be built. We had our mail forwarded properly with th e USPS  with each move. We never received anything from  XXXX   XXXX . In  XXXX  of  XXXX  I received a phone call from a collection agency named  Choice Recovery. I told the collector that I never re ceived or a bill or a phone call about the bill. I immediately contacted  XXXX   XXXX  and paid the bill over the phone. In  XXXX  of  XXXX  I received a collection notice form  Choice Recovery  that I owed them a collection fee. I never received the bill, yet I was expected to pay a collection fee. The office  manager  at  XXXX   XXXX  refused to take or return my calls. I recently applied for a loan and had to pay higher interest because  XXXX   XXXX  has placed late and collection fees on my credit report throu gh Choice Recovery. The   same debt is on my credit report 2 times. I am certain this is a violation of the FCRA.

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 01-10-2017 about Mortgage (FHA mortgage) with 360 MORTGAGE GROUP LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: Tuesday, XXXX/XXXX/XXXX In XXXX XXXX I bought a home in Georgia ; this is my primary and only home. The mortgage is with 360 Mortgage XXXX ( XXXX, TX ). I have several concerns, one being my escrow account has started with a deficit every year since I purchased the home, despite the decrease in property taxes and hazard insurance by about {$95.00}, and the increase in mortgage payments last year to cover the XXXX shortage. Also, in XXXX XXXX I notified the mortgage company that effective this year, I am eligible to take advantage of the Georgia school tax exemption. 

On XXXX XXXX, I called the mortgage company to ask for an explanation about the yearly deficits in my escrow account despite the decrease in taxes. I was told an early insurance payment ( paid in XXXX instead of XXXX ) caused the shortage. Here are my questions : 1. The increase in my mortgage payment last year was to cover XXXX taxes and insurance for that year regardless of when the insurance was paid. If the XXXX analysis of the escrow account was accurate, why did the early insurance payment cause a XXXX shortage? 

2. An analysis of my account was performed XXXX/XXXX/XXXX, but I am not convinced that the decrease in my taxes and insurance was taken into consideration. How can I be assured that it was? 

3. What other factors could drive my escrow balance to be short every year? 

4. In addition to the lesser taxes, will the school tax exemption help lower my monthly payments? 

5. Based on my conversation with the mortgage company, it sounds like the difference between the higher XXXX and lesser XXXX taxes were not applied to escrow. Is there a time frame the mortgage company has to issue me a check for the difference? 

Another concern is regarding the XXXX Form. As of year-XX/XX/XXXX, my mortgage balance was about {$2000.00} less than the amount the mortgage company submitted to IRS. They explained two XXXX forms are submitted to IRS and the second one will have the correct mortgage balance. Is this normal practice and if so, why? 

I look forward to a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My ex-husband filed for bankruptcy on XX/XX/2013 and submitted the application with my forged signature. I did not sign or file any paperwork for this bankruptcy and had no knowledge of it being filed until yesterday. It is on my credit and affecting me greatly. I would like it to be removed. I have filed fraud case with the department of justice today. I have proof that we were n't married at the time he did this and that my signature was forged.

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 05-06-2016 about Credit reporting () with EQUIFAX, INC. (TN).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: Have requested several times for Equifax to send me my correct and updated credit report and score ... still have not received it.

Company response to consumer: Closed with explanation
Consumer complaint received 10/15/2015 about Credit card () with CITIBANK, N.A. (CA).
Issue: Billing disputes

Complaint: Dear Sir or Madam, I would like to file a complaint against Macy's/XXXX Bank for the following reason ; Macy 's has received my payment on XXXX/XXXX/15, but failed to apply proper credit to my Macy 's credit account and falsely sent a delinquency report to XXXX credit report agencies, XXXX 
The initial payment was {$40.00} but they sent me bills with late fees and interest charges that I ended up paying in the amount of {$100.00} total. 
Macy'sXXXX XXXX XXXX XXXX XXXX, OH XXXX ( XXXX ) XXXX ( XXXX ) XXXX FaxPresident : XXXX XXXX XXXX XXXX Bank XXXX Citi Bank XXXX XXXX. XXXX XXXX XXXX, OH XXXX XXXX is as follows,1. I mailed the initial payment on XXXX/XXXX/15, and according to my bank, it was cleared on XXXX/XXXX/15. It took almost 2 weeks. My bank was helpful that they wrote me a confirmation letter. 
2. After I learned that my payment was not applied to my credit on XXXX/XXXX/15, I called Macy 's customer service and spoke with several people to no avail. One person told me that he would call me on my missing payment, but I received no call. Other people were just incompetent, pointless, rude. No one offered me to open a missing payment investigation case. 
3. In the meantime, my bill went up to {$100.00} with late fees and interest charges. 
I have paid intending to dispute later. The payment was received by Macy 's on XXXX/XXXX/15. 
4. I sent a payment dispute complaint to the above Macy 's address via fax attn to XXXX XXXX, but unresponsive to this date. 
Also mailed to XXXX Bank by certified mail. According to the USPS tracking website, the certified mail was delivered to XXXX Bank XXXX Citi Bank XXXX on XXXX/XXXX/15. 
According to the XXXX Bank Agreement, it states ; '' What Will Happen After We Receive Your Letter Within 30 days of receiving your letter, we must tell you that we received your letter. We will also tell you if we have already corrected the error. " I have not received their correspondence to this date. 
5. After XXXX/XXXX/15, for 2 weeks my credit card balance was XXXX, and I received another bill for {$2.00} and I paid. Macy 's has received my payment on XXXX/XXXX/15. 
6. I filed a complaint with the Better Business Bureau about 3 weeks ago, a woman named XXXX XXXX contacted me and demanded a proof of payment, I provided all documents that support my complaint. She did receive them. Because the following day she left a rude voice message on my cell phone saying " not send too much of fax '' LOL. 
I have not heard from her or Macy 's since then. 
I am requesting Macy's,1. A refund check in the amount of {$100.00}. 
2. Remove a delinquency report that Macy 's sent to XXXX credit report agencies, XXXX 
3. Close my account. 
4. Send me a final statement with a XXXX balance. 
5. Apology for the inconvenience and time I wasted. 
Thank you so much for your attention to this matter. 
Upon request, I will provide all information that help resolve this complaint. 
Regards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 01/18/2016 about Money transfers (Domestic (US) money transfer) with Google Compare Credit Cards Inc. (NC).
Issue: Money was not available when promised

Complaint: I transfer money using google wallet service to my boyfriend. I was giving the chance to the review the transaction before submitting it. The transaction said it would be completed within 24 hours. It has now been for days and the money has already been taking out of my account but my boyfriend has yet to receive it. I call the google wallet service everyday since the transaction and they tell me something different every time

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Credit reporting () with EQUIFAX, INC. (MD).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: As we know identity theft is a number XXXX priority. None the less, when information is not accurate it is against our rights as consumers. I have already taken the liberty to try and resolve matters directly with the furnishers. A couple of results were successful yet the CRA continues to leave this on my file. There are more than XXXX matter that needs to be addressed here. XXXX XXXX being XXXX XXXX. XXXX is a medical bill that is there and the state of MARYLAND pays all medical bills per Medicaid. They want render their own determination based off other inaccuracies using a system that is not accurate. I have hard evidence. Thank you. A copy of FTC affidavit with Police report has already been sent.

Company response to consumer: Closed with explanation
Consumer complaint received 04/13/2017 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have requested in XX/XX/XXXX/XX/XX/XXXX that permanent blocks be placed against certain creditors on my Experian Credit Report, due to the accounts being fraudulent, which has already been reported through FTC and police report to credit bureau. Not XXXX, but XXXX were recently added back on, and now I have been denied credit. Therefore, I am requesting that the creditors be permanently blocked on my credit report. Also, I want to a phone number to my fraud alert, and the company is not available by phone. ( Creditors are XXXX, and 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 explanation
Consumer complaint received 03/15/2016 about Debt collection (Non-federal student loan) with SLM CORPORATION (CO).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: I have now gotten XXXX calls since XXXX this morning and it is noon. This is extremely excessive and I told them last week and the week before what is going on. I am getting over a call an hour and its stressing me out and keeping me from working. I have asked them multiple times to get the call count down, my account is only one month late.

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 04/21/2017 about Consumer Loan (Vehicle loan) with TIDEWATER FINANCE COMPANY, INC. (AZ).
Issue: Managing the loan or lease

Complaint: Tidewater Motor Credit provided different loan pay off amounts on   XXXX   and  X/XX/17   , though the payoff amount is supposed to be valid for 30 days. The difference was & gt ; {$72.00} in less than  XXXX  hours. They refused to provide refinancing lender with pay off amount and went so far as to hang up on the refinancing lender. They also charge a {$10.00} service fee with any payments made other than recurring eft from personal bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 10/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (MI).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: I sent a certified letter to them requesting that they validate this debt because it does not belong to me and they did not respond to me

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (I do not know) with PORTFOLIO RECOVERY ASSOCIATES INC (CA).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: Harassing phone calls XXXX times a day. 5-6 days a week. When we answer they hang up. I attempted to call them to find out why they keep calling and when I ask them to disclose reason for their call they hang up on me. They also refuse to answer my questions as to their purpose of constant harassing calls and refuse to answer my questions when I ask what the matter is about.

Company response to consumer: Closed with explanation
Consumer complaint received 01-11-2017 about Credit card () with JPMORGAN CHASE & CO. (CA).
Issue: APR or interest rate

Complaint: My credit card contract stipulated that I would incur no interest charges if balances are paid in full by the statement due date. I mistakenly short paid my XX/XX/XXXX statement by {$120.00} and saw interest charges on my XX/XX/XXXX statement for {$33.00}. Knowing that it was my fault, I paid the interest charges and full open balance before the specified due date. My XX/XX/XXXX statement reflected additional interest charges of {$55.00}. When I called the credit card company to discuss the issue, I was given a very fragmented explanation about how the interest was calculated and that the XX/XX/XXXX statement was reflecting interest for XX/XX/XXXX purchases. In the end, I am paying {$88.00} in interest charges for short paying my XX/XX/XXXX statement by {$120.00}. The representative could provide no explanation as to why the interest charges were excessive. In addition, the representative refused to remove the charges or compromise. I understand that the interest is calculated daily and compounding occurs, but something is not right here.

Company response to consumer: Closed with explanation
Consumer complaint received 10/24/2016 about Mortgage (Other mortgage) with HSBC NORTH AMERICA HOLDINGS INC. (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I took out a second ( junior ) mortgage on my house with Beneficial Finance ( HFC, HSBC ) in XXXX. I have been paying religiously since then every month. I intend to pay of the balance when the closing of my current property occurs on XXXX/XXXX/XXXX. I called to get payoff balance and discovered there is {$2900.00} in deferred interest and {$27.00} in deferred late charges. I do n't recall ever being late on paying this loan - and I certainly never agreed to deferred interest. Can you help me fight this? I need to pay this loan off before my new mortgage will proceed and I am not paying something that an unscrupulous bank decides to charge me without my knowledge or consent. 
Thank you XXXX XXXX email : XXXXXXXXXXXX

Company response to consumer: Closed with explanation