milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-08-2016 about Credit card () with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Identity theft / Fraud / Embezzlement

Complaint: I submitted several documents on several occasions to Capital One Bank to verify my identity due to fraudulent activities on my Credit Card. The final time, the week of XX/XX/2016, I mailed a copy of my driver 's license, social security card, birth certificate and a XXXX Credit card bank statement and was told the XXXX Credit Card Statement will not suffice for a bill. I informed them that I stay with my grandmother and the lights are in her name at the address that is on the Driver 's license, XXXX Credit Bill and their ( Capital One Credit Card. I have had such a hard time. with this company. I have several credit cards and they are all paid up to date except this card, which has caused my credit score to descend. I have n't paid a payment since XX/XX/2016, because someone used my credit card from someplace else and I refused to pay for their fraudulent activities. To me, this company is inefficient and lack professional service. Some of the fraud representatives do not know how to handle fraud cases. This has been going on Since XX/XX/2016, and has caused my credit score to go down-tremendously. I gave the Reps Documents INCLUDING A COPY OF MY CURRENT DRIVER 'S LICENSE THAT MATCH THE ADDRESS ON THE CREDIT CARD ACCOUNT, YET THEY ARE PROLONGING THE RESOLUTION AND CAUSING MY SCORE TO BE DECLINE. THE LAST XXXX DIGITS OF MY ACCOUNT NUMBER ARE XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 08/22/2017 about Student loan (Private student loan) with AES/PHEAA (DC).
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint: Good morning, AES misleads lenders in their communications. Recently, I fell behind and received a notice saying that my account was past due by a month. That is fair. But AES does not specify exactly how much is past due and how much is currently owed. They only give the customer the total amount owed.
This can give the customer the impression that twice as much is past due. I have raised this concern with AES and they did not know how to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with ERC (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: After reviewing my credit report over a month ago, I notice an unknown debt of {$200.00} from XXXX XXXX that was opened in XXXX XXXX. I have written to the collection agency called Enhanced Recovery Co to ask for a debt validation. They never responded to my certified letter ( with return proof of delivery ). After several research, I pulled up a previous credit Report made in XXXX and noticed that another Credit Collection Agency called XXXX had put a similar XXXX XXXX XXXX balance/debt of {$200.00}, opened this time, in XXXX XXXX. The last time I used XXXX XXXX XXXX was in XXXX. I have every reason to believe that the Enhanced Recovery Co is negatively re-Aging my debt. I read from several sources that this technique was illegal. I also signed up a week ago to credit Karma to see updated info on my record and noticed that around XXXX XXXX ENHANCED RECOVERY CO put a note stating that I have filed a complaint that was resolved but they seem to have removed this note a few days later.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08/14/2016 about Credit card () with DISCOVER BANK (FL).
Issue: Advertising and marketing

Complaint: On/about XXXX XXXX 2016 I applied for a Discover it credit card on XXXX. On XXXX XXXX I got an email confirming that I was approved for the Discover it card and that {$50.00} gift card was loaded to my XXXX account as part of my approved card, which would be mailed to me. Around that time I also checked my credit reports on creditkarma and found that my XXXX credit score was excellent. XXXX scored slightly lower and " good. '' By XXXX XXXX I still had not received the credit card from Discover and I became concerned. I called Discover at XXXX and told them about it. They said they would close my account ending in XXXX and issue me a new Discover it card with a different account number and it would be mailed to me in 3-7 days. They confirmed that they do have my correct address. I asked what the last XXXX numbers of the new credit card would be and customer service said they ca n't tell me. 
I called Discover the next day and asked if they would -- per the Discover it card terms on XXXX -- send the replacement card by overnight shipping. Customer service put me on hold a few minutes then came back and said yes the card would be sent overnight shipping. So I 'm not sure what " overnight '' means in Discover land but it 's been longer than overnight in my world. 
My complaints are XXXX : Why is this credit card mailing being delayed? I noticed that the " approved '' Discover it card has been deleted from my list of credit cards on my XXXX account. And no further notice of approval has appeared on either my amazon or been sent to me by email. I 'm sensing an element of deception here. 
XXXX. My credit scores as of today have dropped XXXX points and XXXX points respectively for XXXX and XXXX. The only recent change in my activity has been my application and approval for the Discover it card that never arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Debt collection (Payday loan) with ACE CASH EXPRESS, INC. (AL).
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint: Messages were left on my unlisted home telephone and on my cell phone number. The message also indicated that my place of employment would be contacted and that I would be served with a subpoena in my local county ref : Case number XXXX. Upon receipt of the message I returned the call that was listed in the call log rather than the number indicated in the message ( ) and spoke with XXXX XXXX and XXXX XXXX. XXXX XXXX proceeded to lecture me with regard to what he felt that I had done which rendered this cause of action. He refused to provide me with a physical address to respond to the complaint and indicated that I should visit the online website and make a payment on a payday loan from 2006. He transferred the call to XXXX XXXX who indicated that she knew my place of employment and did so by naming the place of business where I am currently working. She also indicated that she would neither provide me a physical address nor an email and would instead indicate my refusal to comply with the company 's request for payments. I do not owe any money to the creditor nor do I deserve to be harassed by them at my place of employment. I am on the Do Not Call Register and the company should not have access to my private/unlisted home telephone number.

Company response to consumer: Closed with explanation
Consumer complaint received 06/28/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: To whom It may concern On XXXX XXXX, XXXX, and XXXX XXXX, XXXX, I sent a certified letter to Equifax and XXXX informing them both that there were a number of inquiries and some are multiples on my report that I did not authorize and to remove them if they are not tied to an account. Inquiries should never be placed on someone 's files unless authorized and I did not authorize the inquiries. On XXXX XXXX, XXXX, I received two generic letters from Equifax stating that inquiries are factual data ( this is not true because I never authorized for my credit to be pulled from the creditors. After I received the letter I sent the letter again certified and received the same information from Equifax. I still not have received a response from my first letter from XXXX  and it has been over 30 days. It is very wrong for these credit bureaus to aid in damaging someone 's credit by placing things on there and refusing to remove them after being told over and over again that they do not belong to me. A security freeze is on my reports and both bureaus still allow creditors to access my report without verifying that it is actually me. I am well aware of my rights as a consumer and I am WELL prepared to take the next step if this problem is not resolved and the inquiries are not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 01/18/2018 about Payday loan, title loan, or personal loan (Payday loan) with Big Picture Loans, LLC (IA).
Issue: Struggling to pay your loan

Complaint: Dear Sir/Madam, I was approved for a loan from big picture loan of {$400.00} on XX/XX/XXXX with interest rate of XXXX and I have agreed to pay the amount automatically from my checking account. However, I did not know the interest rate and past due fees will keep following me until this day. I have paid over {$1000.00} and I have called a couple of times to arrange payment plans but each time I face difficulty paying the amount as you can see it in my attached documents. Every time there is a reminder and late fees. I 've paid the loan back with a double amount and now I am searching for a help to stop paying the remaining amount which is {$620.00}. In addition, I have checked my payment information online on XX/XX/XXXX and as per the attachment, no information revealed, everything is unavailable and I am afraid that they will keep charging me even if I paid off the amount which ca n't be happened now or even later. I am requesting to review the legal agreements to see the consequences if not paying back and I could n't find a better way than contacting you. I have a full-time job and I am trying so hard to pay my bills, but this loan is affecting my financial status terribly. Therefore, I can not pay anymore and I want the electronic detection from my account to stop. 


Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 01/31/2017 about Bank account or service (Other bank product/service) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Making/receiving payments, sending money

Complaint: Bank of America cashed a forged check made payable to XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX , of XXXX cashed the forged check and did not provide the funds to the XXXX or XXXX XXXX . XXXX XXXX is now XXXX. Bank of America Claims that California Code of Civil Procedure Section XXXX applies to this case limiting the statute of limitations to one year. I contend, based on counsel from XXXX XXXX, that Bank of America 's claim to California Code of Civil Procedure Section XXXX is not applicable, because it refers to claims by a " depositor. '' I further contend that my wife, XXXX XXXX and I are not a " depositor '' of Bank of America, so it is unclear upon what basis Bank of America relies upon the statute. CCP XXXX states ( emphasis added ) : XXXX An action for libel, slander, false imprisonment, seduction of a person below the age of legal consent, or by a depositor against a bank for the payment of a forged or raised check, or a check that bears a forged or unauthorized endorsement, or against any person who XXXX as defined in Section XXXX of the Business and Professions Code, for that person 's XXXX. 

I also contend that there is applicable California case law stating that the statute is limited to claims by an actual " depositor. '' For example, in the California case of XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ) ( a copy attached XXXX ), the California Court of Appeal noted that Section XXXX only applies to actions by a " depositor '' against the depositor 's bank. In the XXXX case, the plaintiff did not have a depository account with the bank, but was merely a loan customer. The appellate court said that the one-year statute of limitation only applies to a depository customer : " As plainly written, section XXXX, subdivision ( XXXX ), applies only to an action brought by a 'depositor. ' With respect to her HELOC account, Appellant is not a 'depositor. ' The one-year statute of limitations in section XXXX, subdivision ( XXXX ), therefore is not applicable to this action. '' XXXX, XXXX. XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX, XXXX XXXX. XXXX. XXXX XXXX, XXXX ( 2011 ). 
Since my wife and I are not " depositors '', I again request you review your stated statute of limitations for validity against the California Case laws referenced in the above paragraph. 
We also can not verify the validity of our signatures because XXXX XXXX had access to our signatures and forged our California Licenses in order to cash the checks at Bank of America. XXXX XXXX is currently XXXX. We demand that the check for {$170000.00} be reissued to XXXX XXXX, XXXX XXXX and XXXX XXXX based on Bank of America 's cited code as not being applicable.

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 12/20/2016 about Credit reporting () with Experian Information Solutions Inc. (IL).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: Per the FCRA I contacted the merchants in question and submitted a request to verify/validate information that was listed on my report in regards to payment history. On my credit report there was a XXXX accounts that showed late payment ( s ) which i disputed and offered to provide documentation showing that the information was not correct. When I attempted to contact Experian to file a dispute they told me that it was up to me to file the dispute with the merchant which I explained was incorrect per the law and that they were required to submit a dispute on my behalf and provide me with the results of this dispute. After asking to speak to a supervisor the rep then hung 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 10/26/2015 about Mortgage (Conventional fixed mortgage) with WELLS FARGO & COMPANY (CA).
Issue: Loan servicing, payments, escrow account

Complaint: have submitted numerous complaints. Nothing happens. I recieved a call regarding reporting me 90 and 120 days past due. LIKE I told XXXX before he hung up pn me, I was told in XXXX that it would take 2 weeks for the MODIFICATION. I asked him check the recirded line! He says he does n't believe me! I would n't be hassling this for over a year if it wasn ; t true CHECK THE RECORDED LINE WELLS???? 
Also when I paid XXXX XXXX and XXXX it just kept the late notice going higher and higer. My payments for the modification was never ever ever acknowledged on my Credit Ratings! It looked to the public that I was still not paying. 
This is personal and I will continue to keep this active until the take accountablility from the beginning! 
Im sick of all the hours and time on this. I am very tired of some people being RUDE to me or Hanging up on me. What kind of Bank is this!!!!!!!!!! 
Because you have n't done what should have been donbe pertaining to this modification you have caused me hardship and stopped us from doing anything with our credit. Thats you fault and liability! 
You were suppose to report by LAW during the TPP a modification or partial Payment. YOU DID NOT 8 MONTHS AGO OR NOW I have included copies of the credit Bureau again as I have before many times. You cause us pain and siffering not to mention the damage. We were unable to purchase another home because you were not doing what you were suppose to by LAW! 
Answer and handle my complaints. I will not stop until you FIX THE ISSUES and take accountablity.You just do n't care and caused us so much trouble from the beginning. I was never late until I talked to WF. and have not been late since this Modification!!!!!!!!!. 
XXXX and XXXX XXXX : XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 12/13/2016 about Consumer Loan (Vehicle loan) with TD BANK US HOLDING COMPANY (CO).
Issue: Managing the loan or lease

Complaint: TD Auto Finance - Tried to pay off auto loan online - even though I received confirmation, the payoff would not go through. Then called to payoff by phone, but could not process due to automatic payments.

Company response to consumer: Closed with explanation
Consumer complaint received 04/27/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Pinnacle Credit Services, LLC (FL).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Pinnacle credit services is bought s debt from XXXX XXXX that they claim I owe. the claim I owe over {$1900.00}. I have disputed this with PCS and the XXXX major credit bureaus ; however, I do n't think anyone is trying to verify disputed information. Pinnacle is updating each month to all XXXX credit bureaus. I also contact XXXX XXXX and according to them, I do not owe them. XXXX also opened a new account with them and they are my current cellphone XXXX. I think these charges XXXX is stating I owe are bogus ; therefore, these negative marks should be removed from all XXXX credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 03/29/2018 about Mortgage (Conventional home mortgage) with OCWEN LOAN SERVICING LLC (PA).
Issue: Struggling to pay mortgage

Complaint: I became XXXX in XX/XX/XXXX they Ocwen should have given me a forbearance. They refused. And my wife passed in XX/XX/XXXX which a clause in the loan had mortgage insurance for payoff and they denied 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 11-03-2016 about Credit reporting () with FACTUAL DATA CORP. (KY).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: There was fraud on my account and does not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 02/27/2018 about Debt collection (Federal student loan debt) with United Student Aid (USA) Funds (AZ).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: USA Funds did NOT address my issue at all. I asked a statement showing how my tax refund offset was applied to the defaulted loan ( principal and/or interest ) and they failed to provide evidence. The figures on the attached pdf do NOT match the figures on the department of education 's website. I have statements/evidence from the original loan holder showing how much the loan was sold to USA Funds for and this does NOT match with the figures on the attached pdf. USA Funds has failed to provide any evidence and is using false information in the attached pdf.

Company response to consumer: Closed with explanation
Consumer complaint received 10/14/2015 about Credit card () with CITIBANK, N.A. (PA).
Issue: Credit card protection / Debt protection

Complaint: For the last few years, I have been receiving credit card bills or solicitations with pre-printed checks. I think this is a dangerous practice should someone steal your mail or you throw these away unaware that pre-printed checks are in the envelope.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/14/2017 about Debt collection (Other debt) with Franklin Collection Service, Inc. (TX).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: The debt reported by the collection agency was removed by  XXXX  from a previous dispute. this company has also reported the same item on my credit report repeatedly  on. XXXX /2017,  XXXX 2017, XXXX /2017,  XXXX /2017,  XXXX 2017 and  XXXX /2017. I want these items and collecti on removed from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 02-06-2018 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (FL).
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint: Capital One took 2 additional debts out of my checking account without my authorization on XX/XX/2018. One for {$100.00} and another for $ XXXX.This Iinturn caused my checking to go in the negative. When I called the rep was telling me I made them on my app, I told them I did not and they basically said their was nothing they could do.

Company response to consumer: Closed with explanation
Consumer complaint received 05/16/2016 about Mortgage (Other mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Loan modification,collection,foreclosure

Complaint: To whom it may concern : Back in XXXX XXXX, I was laid off from my job at XXXX XXXX for a year. My last mortgage payment was XXXX XXXX. 
While urgently trying to seek employment I worked every week for over a year with BOA in hopes to secure some sort of modification and/or assistance, since I was unable to make my mortgage payments. For the first XXXX months, I depleted savings and borrowed money from family and friends. Unfortunately, after XXXX+ phone calls, emails and letters to the BOA , FL State Attorney General, Congress , XXXX, Office of the Comptroller of the Currency, etc. the list goes on and on I could not get anyone from BOA to assist me properly. 
Finally, in XXXX XXXX XXXX XXXX hired me back but the job was a project based in XXXX. I left the United States XXXX XXXX and returned XXXX XXXX. 
I hired an attorney to assist me as I was not getting anywhere with BOA to modify the loan. There were times I was told I was approved, I sent payments that would be returned. Then XXXX XXXX, we were due to go to mediation and BOA dropped the lawsuit stating my loan was satisfied ( see attached ). My attorney attempted numerous times to contact BOA to advise them of the mistake and no one would look into the situation. 
I then was contacted by BOA XXXX XXXX stating I needed to bring the loan current. I worked with my attorney and submitted several application packets. 
XXXX XXXX, XXXX we met for a response to complaint unfortunately I was faced with another lay off as of XXXX XXXX, XXXX and found a job in XXXX XXXX but recently changed to XXXX XXXX XXXX XXXX. 
I would like to retain my home and have recently had a motion to withdraw my council in hopes to work together more efficiently. I have a HUD counselor but I 'm not getting too much support. 
My intention was NEVER to drag this process out. I logged XXXX of calls, XXXX of applications and received promise after promise but now they have an XXXX XXXX, XXXX forclosure date. 
My loan was a no docs/interest only adjustable loan with Countrywide. There were XXXX class action law suits that I quailed for additional funding support and BOA has repeatedly ignored my request. 
If you have any questions or require further information, please do not hesitate to contact me at XXXX. 
Thank you for your consideration and I appreciate any help you can offer 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