milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01-10-2017 about Credit card () with BANK OF AMERICA, NATIONAL ASSOCIATION (WV).
Issue: APR or interest rate

Complaint: On XX/XX/XXXX I made a payment of {$15000.00}. It left a negative balance of - {$150.00}. On XX/XX/XXXX I received a refund from a merchant in the amount of {$29.00} which left me with a NEGATIVE balance of - {$180.00}. I made XXXX purchases on XX/XX/XXXX in the amount of {$1400.00} and {$110.00}. How can I be charged {$100.00} for interest on XX/XX/XXXX when I paid off my entire balance and had a credit??? I believe I was improperly charged interest in the amount of {$100.00}.

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 12/29/2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Eastern Account Systems of Connecticut, Inc. (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: Eastern Account System reported a debt from XXXX XXXX NJ Service on my XXXX account. XXXX had mistakenly sent the account to collections even though the equipment was returned. I resolved this with XXXX and they said it would be removed from my report. It was n't. I then repeatedly contacted Eastern Account System and was repeatedly treated rudely on hung up on. They have still refused to remove the item.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2018 about Debt collection (Other debt) with CONTRACT CALLERS INC (NJ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: do not recognize this collection company, and not aware of any public service bill owed. I have called the company but no one answered.

Company response to consumer: Closed with explanation
Consumer complaint received 10/26/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: I have been fighting with the bureaus for a year in regards to XXXX charge off account I got tired and obtained XXXX whom contacted all the bureaus and got XXXX XXXX XXXX deleted from my credit but as of XX/XX/XXXX Transunion has reinserted the account and have allowed the Bank to use a fradulant new card # and frdalunt updated activity on the account which has been charged off in XX/XX/XXXX I opened it in XX/XX/XXXX.I filed a police report for the fraud because the new account number is not mine.I still hace the old credit card with the # on it.I sent the bureaus a letter from the Bank stating the year and month in which the account charged off and the police report and a copy of the old credit card i had. ( XXXX and XXXX have deleted the account once contacted by XXXX and have not reinserted it ... Transunion is the problem they deleted it XXXX and rein serted it XXXX as of XXXX paid XXXX and they did their job.My Fair Debt Credit and Collection Act has been violated and it is against the law for this typeof action..I have been humiliated caused stress and mental anguish.I will not be submitting anymore documents to Transunion they alreay have all documents I mention in this letter

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Credit reporting () with SANTANDER CONSUMER USA HOLDINGS INC. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I had a car with Santander Consumer USA. The car was totaled and my insurance paid the car off. This account is reporting late & was never late. My insurance company paid the car off. This reporting does not reflect my credit worthiness, and has severely affected me. I was just made aware of this reporting from my employer. I work with consumer financial info and I am required to keep a certain credit report. This inaccurate reporting can lead to termination of my job, Please correct this and delete this late.

Company response to consumer: Closed with explanation
Consumer complaint received 11/22/2015 about Credit reporting () with Experian Information Solutions Inc. (NM).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Experian is not responding to my requests to investigate and remove accounts from my credit report that do not belong to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 02/13/2017 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (NY).
Issue: Loan servicing, payments, escrow account

Complaint: I did receive a tax reduction from NY State as well as RoundPoint Mortgage. It has been more than 3 months since I was told ; that they have to run an escrow analyses. Until now nothing is being done meanwhile, my Mortgage remain the same.

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 06/22/2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (GA).
Issue: Other

Complaint: A Capital One credit card was opened in my name in XXXX/XXXX/2013. I did not apply for this card and I never used the card. Capital One can has NO receipts with my signature. 

I am asking that this account be removed as it is not my account. I never applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 09-01-2017 about Debt collection (I do not know) with ONLINE Information Services, Inc. (NC).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: This company is using robo-call and ghosted number calling our business trying to collect debts from consumers. Their info is below WE ELIMINATE BAD DEBT! 

ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX ( XXXX ) XXXX ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX About ONLINE Utility Providers Property Managers Mortgage Lenders XXXX Providers Other Industries Contact What 's New? 


The XXXX XXXX XXXX Announces Integration with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 


View All What 's New Items Contact Information PHONE : SALES : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Client Inquiries : ( XXXX ) XXXX CREDIT REPORTING XXXX XXXX : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Mortgage Reporting : ( XXXX ) XXXX MAIN NUMBER : ( XXXX ) XXXX ( XXXX ) XXXX ADDRESS : ONLINE Information Services , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX Customer Testimonials " XXXX decreased our bad-debt write-offs!! '' - XXXX XXXX XXXX XXXX XXXX XXXX is committed to providing timely answers to questions we receive from our clients and consumers. To help us serve you more efficiently, please click the appropriate link below : Interested in Services?
I am a Consumer I am a Client Current News The ONLINE Rental Exchange is at the XXXX XXXX Users Connect Conference This Week! 
The ONLINE Utility Exchange is at the NEPPA Annual Conference This Week! 
Visit the ONLINE Rental Exchange at the XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Show! 
Visit the ONLINE Rental at the XXXX XXXX XXXX XXXX XXXX! 
The ONLINE Rental Exchange is Exhibiting this Week at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Show! 
Visit the ONLINE Rental Exchange during the XXXX XXXX XXXX Annual Conference and Exhibition! 


View All News Releases Events Error has occured while trying to process XXXX : XXXX? XXXX Please contact web-master View All Events Site Map XXXX Employment | Consumers | Become an Integration Partner! XXXX Privacy Policy Copyright XXXX - XXXX ONLINE Information Services, XXXX All rights reserved. 

XXXX XXXX XXXX XXXX XXXX CDIA visa_image master Card Image

Company response to consumer: Closed with explanation
Consumer complaint received 03-01-2017 about Student loan (Federal student loan servicing) with AES/PHEAA (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint: FEDLOAN servicing claims I was delinquent several times, some over 150 days, XXXX times on my credit report. I have attempting to contact them and get this resolved but they will/can not help. I received one monthly statement from them and except for maybe 2 months in each year was behind because I was filing for income based repayment ( IBR ), Deferment, forbearance, which I had been approved for. 90 % of the one monthly statement I received from them had a {$0.00} payment due. Currently my account is discharged due to XXXX and it is no longer with them and all they tell me to do is contact the new creditor, but they have nothing to do with what FedLoan is reporting. Their loan and reporting practices which from what I have read is under investigation has cost me a mortgage, a loan and I ca n't even rent an apartment. It looks like I have not made payments on XXXX separate monthly account statements several times at the same time for 150+ days. This is incorrect and should be considered illegal reporting. By failing to update and correct previously reported information, FedLoan Servicing is in violation of Section 623 ( a ) ( 2 ) of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01-07-2016 about Debt collection (Medical) with Accelerated Receivables Management, Inc. (TX).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: XXXX XXXX XXXX XXXX XXXX now operating as XXXX XXXX XXXX has hired a company called Accelerate Receivable Management , Inc to collect what they claim is a debt of {$2900.00}. This is for a single cholesterol panel ordered by my family physician in 2014. This lab had ZERO contracts with insurance providers and was therefore out of network for all patients. Therefore, in order to get business with physicians they entered into an agreement that they would accept the insurance company 's out of network payment and not hold patients responsible for any remaining balance. I signed paperwork that assured this also XXXX. Therefore, the charge is completely fraudulent. In addition, when I got a hold of my insurance company I was told that they did not pay the claim because XXXX did not submit the claim properly and the insurance company denied the claim and asked for additional information that was never provided XXXX separate times. Now the claim is past the 15 month term and XXXX or Accelerated Receivables Management, Inc will not be able to submit the claim anymore, period. Accelerated Receivables Management, Inc is now asking me to provide an explanation of benefits that my insurance company can no longer provide me and attempting to charge me for whatever portion of the bill was not paid by my insurance company. This is outrageous and XXXX these companies should be investigated for fraud.

Company response to consumer: Untimely response
Consumer complaint received 03/14/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (GA).
Issue: Loan servicing, payments, escrow account

Complaint: We have filled a complaint in regard of a check that we sent to Shellpoint Mortgage servicing that has cashed by Shellpoint and did n't posted to our account. After the complaint, they resolved the problem as well as brought back the overcharging for the escrow funds. 
When we received the reply correspondence, we wrote Shellpoint back for more clarification about three ( 3 ) months mortgage due the letter has stated. While we were waiting for the final dispute or the clarification answer the case has closed. As we receive the correspondence last week on XX/XX/2016 there are XXXX fees that we needed to dispute. Therefore, we have to submit this new complaint. 
1-Shellpoint has charged us {$220.00} late fees. While, they are one who made the mistake or intentionally not posted the funds to our account to generate late fees. We requested that the {$220.00} late fees should wave in our account. 
2-Shellpoint has charged to our account {$2200.00} JUNK FEES " as other fee '' We ask for those illegal fees should be removed to our mortgage account. In the meantime, as of now our account is showing past due for {$8100.00}. while we 'll wait for Shellpoint to resolve the issue, we are going to make a payment arrangement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Mortgage (Conventional fixed mortgage) with IMPAC MORTGAGE HOLDINGS, INC. (NJ).
Issue: Settlement process and costs

Complaint: I refinanced my mortgage with cashcall mortgage and was told there would be no costs at all to me. The loan officer insisted that they needed to add the amount of my next tax payment into the loan amount and that they would pay this payment even though I would be paying all future tax payments directly. This is all well documented in the closing settlement statement, but when I called to check the status of them paying this tax payment, I was told that they were not paying this as it was not an escrow account. I finally spoke to a supervisor ( in XX/XX/2017 ) and he acknowledged that something was not handled correctly and that I would be informed of their resolution by XX/XX/XXXX. As of today ( XX/XX/XXXX ) there still is no resolution, just stalling by this same supervisor who says that there is no person above him that can help me and there is nothing he can do. This is obviously mortgage fraud and they owe me {$1600.00}. The supervisor is XXXX ID # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 03/24/2016 about Bank account or service (Savings account) with CAPITAL ONE FINANCIAL CORPORATION (TX).
Issue: Account opening, closing, or management

Complaint: I responded to a letter I received from capitalone360.com offering ( among other amounts ) a {$500.00} credit to a newly opened savings account with a {$50000.00} deposit. I tried unsuccessfully to accomplish this on their website. So I called them and was walked through the steps to, supposedly, insure it would n't happen again. I gave them my account number at XXXX to use to transfer the {$50000.00}. Then I got an email from them stating that to accomplish the transaction, ( from the email now ) : " Hang tight. Within 2 business days Capital One 360 will make XXXX or XXXX small test deposits ( each less than {$1.00} ) into your personal checking account. 
Check your account for the test deposit ( s ) by calling or visiting their website. 
Once you know the amount ( s ), both you and your joint holder must sign in to capitalone360.com. 
Click the 'External Accounts ' tab, select 'Unconfirmed ', and enter the amount ( s ) on the next screen. '' ( end email ) These test deposits did n't occur and, in a few days, I got this email from capitalone360.com : " We wanted to let you know that your recent electronic transaction was returned by your external financial institution. We adjusted your Capital One XXXX account accordingly. If you have any questions about the returned transaction, please contact your financial institution. You can also sign in to capitalone360.com to review your account information online. '' ( end email ) When I contacted XXXX via online " secure message, '' I was told there never was any attempt from capital one to deposit funds in my account, nor was there a record of them attempting to transfer the {$50000.00}. Bottom line is that I feel like XXXX XXXX have thwarted my attempt to take advantage of their offer because demand for the " free money '' was so great. The letter I received in early XXXX I believe, stated I had until the end of XXXX to take advantage of this offer. I did n't begin my efforts to open the account until XXXX XXXX so they would already have had several weeks to accept ( or reject ) others efforts to take advantage of the offer and realize the high demand. Have you had any other people complain about this? Regardless, I would appreciate your investigation into the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2017 about Mortgage (FHA mortgage) with JPMORGAN CHASE & CO. (MI).
Issue: Loan modification,collection,foreclosure

Complaint: This relateds to property that once was my primary residence. I left the area for job relocation. I sought a short sale of the Property, given the debt was seriously under the market value. Chase Bank promised through its authorized agents multiple times that a short sale was approved, only to have ultimate closings rejected by Chase. I relied in good faith on such representations to my detriment. I could have taken other actions to mitigate my losses if I had not relied in good faith on Chase 's misrepresentations. I further relied on promises of a deed in lieu of foreclosure. It has been 4 years and no resolution from Chase. Just recently I was informed my identity was stolen. Someone was representing themselves as me through XXXX and attempting to take rental funds. All of this could have been avoided but for Chase 's negligent and fraudulent misrepresentation. I need a deed in lieu of foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 11/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with AR Resources, Inc. (FL).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Looking at my credit report back in XX/XX/XXXX I saw accounts in collections and I never gave any company the right to share my information whatsoever. The account is for {$36.00} which is listed on my credit report as account XXXX. I sent a letter to the agency on XX/XX/XXXX requesting that they validate the debt and show competent evidence bearing my signature  that I have or ever had some contractual obligation to pay them. I was sent a bill on XX/XX/XXXX stating I owed them but they never provided me any evidence bearing my signature that I have ever had some contractual obligation to pay them. As a result they are in violation of the FCRA ( Fair Credit Reporting Act ), the FDCPA ( Fair Debt Collection Practices Act ) and HIPPA ( Health Insurance Portability and Accountability Act of XX/XX/XXXX ). I sent a follow up letter on XX/XX/XXXX informing them that they are in violation of HIPPA and stated that I would file a legal complaint  unless they removed this from my credit report. I have yet to hear back from them

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with PNC Bank N.A. (NJ).
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint: On XX/XX/ 2017 I received a call at home from the fraud unit of PNC Bank stating there were 2 fraudulent charges on my credit card. Someone managed to get a copy of my card and purchased 2 XXXX XXXX  for a total amount f {$2000.00}. It would be physically impossible for me to do that. I was at work or on my way home from work in XXXX, NJ and the phones were purchased in XXXX, NJ. No one else that I know of had possession of the card. Someone has clearly cloned the card. 

The investigation dragged for months with the person from the fraud unit barely contacting me. 2 months later I was told to file a police report but with no clear direction where it needs to be filed and being I had destroyed the card in question, I wouldn't be able to provide that to the officers. I would lose at least 2 days of work having to do this. When I would try to call the fraud investigator, I couldn't even call her directly via her extension on the papers she sent over. She had the wrong number. 

When I was finally sent a copy of the receipts, the signature is clearly not mine. I do understand that it's one of those signature pads but that is not how I sign my name on those pads.

Last week, I manage to escalate this to a manager in the retail escalation unit and she leaves me a message it was " resolved ''. Resolved meant that I was charged back for those phones.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: The aforementioned credit collection agency representing XXXX has violated the FCRA by not providing documents to me in regards to this debt. I am unaware of this creditor and have not received anything that pertains to this debt. This account is unverified and immediately needs to be deleted from my all credit files : XXXX, Transunion and XXXX. 

The business is required to disclose to me all of the documents that they have recorded and retained in their files that pertains to this " debt ''. If XXXX does not have any documentation, they need to retract this from my credit file immediately.

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 08-12-2015 about Mortgage (Other mortgage) with OCWEN LOAN SERVICING LLC (NJ).
Issue: Loan servicing, payments, escrow account

Complaint: late charges have been applied and there is no supporting documents, I have been trying to resolve this for a long time and have not been able to do so. I have been in good standing and have never been late on payment, I opened a mortgage with GMAC XXXX XXXX, 2004 and it was sold to Ocwen. now my monthly statements are not correct I have called many times and can not get this resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 10/21/2017 about Student loan (Federal student loan servicing) with Premier Student Loan Center (NY).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: I called Premier student loan service and spoke to a rep who said that I would pay {$240.00} for XXXX months and then {$100.00} for every month after that for XXXX months then after speaking to him and submitting some information he got back on the phone and said that I would pay XXXX for the XXXX months and now my payment would go up to {$230.00} per month so I need some help in rectifying this problem because I believe that its a scam. The rep also said that he could get my payments for XXXX XXXX XXXX deferred but then said that wasnt possible and I would have to pay XXXX XXXX XXXX and pay him as well and so I believe that this is a scam

Company response to consumer: Closed with explanation