vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-13 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
XXXX contacted my place of work to attempt to collect a debt. I 've also has XXXX XXXX call my place of work to collect a debt as well. They have contacted me repeatedly after I 've told them to not call my place of work. They have also left information with managers and our HR department along with messages asking for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My wife and I have a joint account with Capital One. She sent a wire transfer of the balance : {$2900.00} to my XXXX account XXXX weeks ago and requested that Capital One close our account. Instead, Capital One reversed the transfer and locked the account and are refusing access for no reason. They initially claimed the wire was n't " cleared '' though XXXX confirmed there was no issue and the problem was with Capital One. There are no branch locations where we live ( XXXX ). Capital One says they will send a check in XXXX business days and that is all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have only applied for XXXX credit card XXXX TIME with this company. Not XXXX, and not XXXX times back to back. This is not correct. 

CAP ONEXXXX XXXX, XXXXCreditor Contact DetailsCAPITAL ONE BANK USA NAXXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX CAP ONEXXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I called capital one and informed them of a fraud that occurred while I was I. The XXXX XXXX at several gas stations and I do n't have a car in that country. They awarded my funds back in my account and then when I arrived back in the states an agent called me and told me that those charges are good because they are consecutive and there 's a pattern of the same charges. So I did n't argue and the only thing I said was thank you but I want them to send me the pattern or to anyone that shows that this is a pattern. Now she says if my card is not stolen there is no way for someone to use it. Now today as I 'm seating I. My house I got an email that my other capital one card was compromised and they stopped it and blocked it, so why could n't they do the same with the other card. They need to refund the fraud that occurred or I will keep fighting it it 's unfair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Bankruptcy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capitol One reported to XXXX, XXXX and XXXX that my Capitol One XXXX account ending in XXXX was " included in bankruptcy. '' I have never placed any Capitol One account in any bankruptcy filings. I have asked both Capitol One and XXXX, XXXX and XXXX to investigate, verify and validate the account ending in XXXX was included in any bankruptcy. The result of the investigation allege it was verified by Capitol One and XXXX, XXXX and XXXX. The reporting of such is false and inaccurate by Capitol One and each credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Received notice to collect debt, call collection services and explaned that I was retired and XXXX had fixed income and offered to pay what I could afford, which was {$10.00} a month, and told that of the {$1100.00} a month I recieve I owe {$1000.00} a month in bills, Ihave {$100.00} a month to live on I thought that resonable, they said yes I asked for letter in writing and I would start paying, they said no just start paying I said without letter or Email I would not. I repeated this offer XXXX more time to different reps. Then was put on my credit reports.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Jim Bottin Enterprises, Inc
State: TX

Complaint narrative:
This company is posing as XXXX ' from XXXX , Utah . I cancelled a membership to XXXX of XXXX ( Texas ) several months ago well after my contract was expired. 

I owe nothing to XXXX and notified them in writing and verbally that I would not be continuing my membership, that my contract is expired, and that I no longer would use or need their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I went to my Bank branch and requested to close my account. The teller wend ahead and closed the account and gave me the balance in the account. I asked the teller at this time whether any other charges or loans could go through the account now that it has been closed. The teller told me that no other transactions could go through and that the account was closed. This was on a Wednesday around noon. On Friday my payday loan payment was allowed to go through this closed account and I get an email telling me my account is overdrawn. I call the bank and speak to a representative and ask why did this loan payment go through. The representative advises me that the account is not officially closed for 24 business hours. I advised that this is not what I was told on the day I closed my account. The representative then tells me I can dispute this transaction. He puts me on hold and 10 minutes later brings on a representative from disputes. After speaking with the representative from disputes, I find out that this is a waste of my time since the transaction was legitimately mine and this dispute would do nothing but keep the account open. I told the representative to forget the dispute, thinking that at least the account would close. I then went and talked to a teller from my other bank and asked if I closed my account would charges and loans be allowed to go through. She said no. Then on this Friday another payday payment was allowed to go through this closed account. So now there is a negative balance of over {$400.00} with {$70.00} nsf fees. I call the bank again asking why this happened and was informed by a so called manager that the account is not closed and will not close until I pay off the negative balance. I do not understand how a bank can hold someone hostage like this. I was under the impression that if you did not have the money to pay the transaction they would return it. And especially if the account is closed. I put that debt into debt consolidation program which I have to make payments on. I do not have extra money to pay the bank the negative balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Go Capital Holdings, LLC
State: FL

Complaint narrative:
The issue is that my SUV ( XXXX XXXX XX/XX/XXXX, XXXX XXXX with XXXX # XXXX ), was wrecked on XX/XX/2016 and was declared a total loss. This was paid, mostly by the insurance company of the person that crashed into me. {$11000.00} was paid on XX/XX/2016 by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and the other part was paid by my GAP insurance. They made a payment of {$950.00} on XX/XX/2016, of which {$460.00} was for the cancelation of the warranty and {$480.00} was for the cancelation of the repairs. The grand total was {$12000.00}, which they received ; however, to this day the account [ is still open ] and they continue to charge interest as well as other fees without any reason at all. They have yet to apply the credit to pay it off and send us the surplus, which is {$780.00}. My wife and I have contacted the finance [ department ] [ unintelligible ] on countless occasions with no success since the people that assist us indicate that they can only provide the information that is in the system, namely, that the account is delinquent 65 days and that it is affecting my credit. They also indicated that they had XXXX unintelligible spelling, perhaps declined XXXX the payment. I dont understand why, since I contacted XXXX and they advised me that the check had been cashed by GO Financial. They have received the money but even so they keep raising the amount and will not apply the awarded amount to the balance of the account, which is affecting my credit. The balance on the XXXX was {$11000.00}, and they were paid {$12000.00}, which means there was an excess payment of {$780.00} that belongs to me, but I have not received it since they have not handled the account in a legal way. To date they have raised the amount of my account to {$11000.00} without any reason, because they have the money and are affecting my credit, just so they can keep all the money. 

The situation is extremely important and worrisome, since they are affecting my credit and I need a vehicle. I cant purchase another XXXX till they pay off the account, send me my excess payment of {$780.00} and clear my credit. Now this situation is affecting me emotionally.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
I current have a loan with Exeter Finance Corp. I have a 10 day grace period after due date however they continually call my cell phone and harass me. I 've explained I have been ill and to please not call me continuously back to back however they continue to do so. I have received XXXX calls from them today alone.. When I have specifically asked to not call me again they will call back and hang up on me. How unprofessional is that! My ten day grace is not up yet they call and harass you. You call and ask for help because you just have XXXX but they say ... Sorry your account is not late until ten days after due date so you have to wait till then yet they call you everyday to harass you even after you ask them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: IL

Complaint narrative:
On XXXX XXXX, 2015, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Franklin Collections Services that totally alarmed me. I was never notified that is account when it was added to my credit report in XXXX 2015. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. Secondly, I have not had services with XXXX XXXX XXXX, I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. Franklin Collection Services derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does not belong me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Business Bureau
State: IL

Complaint narrative:
On my credit statements show that I have not paid Medical Business Bureau {$160.00}, this was reported again today, XXXX XXXX, XXXX after I got off of the phone with them to let them know it was paid at the end of XXXX, XXXX - They see that the account has a {$0.00} but are still reporting to collections I have a balance and have refused now, 5 times to provide me with a paid receipt as they say that is " against policy '' - I have never heard of such a thing - I ca n't have proof of payment? I need this closed and taken off of my credit bureaus. 

Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: MA

Complaint narrative:
My name is XXXX XXXX i live at XXXX XXXX, XXXX XXXX XXXX : XXXX. I am filling a complaint against EXETER FINANCEXXXX XXXX, XXXX Texas. I had a car loan with the above in XX/XX/XXXX in XX/XX/XXXX Exeter Finance repossessed the car and sold it but did n't report the new loan balance. I disputed this balance through XXXX twice and EXETER FINANCE refuse to change the amount.I spoke with EXETER FINANCE two weeks ago they told me that it is in their rights to ; charge me {$4.00} per-day interest and put what they what think on the credit reporting agencies.At first Exeter Finance was reporting the original loan amount {$17000.00} and now for the last SIX months they changed the amount to $ XXXX car was sold in about three weeks after it was repossessed. My new balance should have been {$6500.00}. Exter finance wanted to punish me for the repossession of my car. BECAUSE of there false credit reporting has hurt me. Each time I apply for a loan interest rate was 21 % for car loans and personal loans. Had Exeter finance reported a proper amount in XX/XX/XXXX I would have paid it by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Comerica
State: PA

Complaint narrative:
My entire wallet was stolen in XXXX 2015 and many of my credit cards were used. One of them was my child support credit card, XXXX, which they used {$550.00}. I have sent all the requested information, police report and they are saying the status is " fair hearing '' which means they can take as long as they want to resolve matter. I provided the company with all the requested information and there is no reason they should be holding my monies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I requested for a due date change on a car loan I secured from Exeter Finance Corporation immediately after I secured the loan ( XX/XX/2015 ) because I get paid at end of each month. I was told to do so after I make a complete payment. After I made a first complete payment, they told me I have to wait again till I get my account caught up because the second time, I had requested too close to my due date ( of XXXX of the month ). On XX/XX/XXXX I requested again immediately after I made my payment as was advised to do. They said they will contact me once it 's approved. No one called so I called again around XXXX XXXX. and they told me it was approved on XXXX XXXX. thus changing my due date to end of each month, and I should just wait till the responsible department updates the system. I waited, waited and now almost XX/XX/XXXX I keep getting more calls saying my payment is past due and I owe an extra $ XXXX/more in fees. 
This does not seem like missing to call me or coincidence. It seems like a well coordinated deceitful practice to fleece the customer. I 've been requesting for a due date change on a newly acquired loan for months and when they finally approved it on XXXX XXXX they still trying to come up with something else to steal from me. This is unacceptable and fraudulent. I have sent a letter through their website, called XXXX which is supposed to be their corporate headquarters but it 's never answered though I left a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Jim Bottin Enterprises, Inc
State: IN

Complaint narrative:
COLLECTOR CALLED FAMILY MEMBERS AND OTHERS INN VIOLATION OF T.C.P.A. ( 3 DOCUMENTED CALLS ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called after sent written cease of comm
Company: MST Financial Services, L.L.C.
State: WA

Complaint narrative:
I have n't heard ANYTHING from this clinic nor phone calls or notice letter regards to this amount. I just received email from XXXX that I have XXXX collection. Then I was surprised.

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 2016-08-31 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Hewitt-Capital

Complaint narrative:
I recently received a call from Hewitt Capital LLC regarding an amount of {$76.00} owed to XXXX XXXX XXXX for a payday loan. I paid this loan off about 3 months ago so it confused me as to why this company was calling me saying I was being charged for a Breach of Contract. They asked me if I wanted to it the voluntary way and I agreed. The person who called threatened me with the XXXX as I am an XXXX XXXX XXXX personnel. I researched Hewitt Capital LLC only to discover that it is a scamming company that bottom feeds from anything they can get their hands on. They are about to charge me {$76.00} that I DO NOT OWE on XXXX. I have attached a picture of the letter they sent me over email, threatening to add {$30.00} if I was unable to pay the amount I owed. The address on letter is from where I was previously stationed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau
State: IL

Complaint narrative:
There XXXX issues regarding the medical debt collection company " Medical Business Bureau, LLC '' besides the fact the " Bureau misrepresents a government agency. 
1 ) I received a medical bill from XXXX, that is correct. The due date of this debt is XXXX XXXX, 2016. During the same time, I received a collection notice from Medical Business Bureau, dated XXXX XXXX, 2016 that they where attempting to collect a debt, and that the amount was assigned to them by XXXX XXXX before the actual due date of the debt. Please see attached documents regarding the bills looking at the dates. 
2 ) I received a negative credit report for a debt that did not belong to me. I negative report was furnished by " Medical Business Bureau, LLC '' I attempted to contact them regarding the debt, and they acknowledged that it was an error in there part, and that the notified the XXXX major credit reporting agencies. The issue with this is that this was not my debt, I was offered no time to dispute the debt, and the debt was reported in XXXX. Since the negative report to the credit reporting agencies, my credit score has dropped by a significant amount greater than XXXX points, and may possibly affect the APRs on several credit card accounts. Please see the XXXX credit report page XXXX. 

Since this issue has begun, I have used all the XXXX credit reporting agencies free reports, and will not be able to receive confirmation regarding any of the corrections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Progressive Financial Services, Inc.
State: TX

Complaint narrative:
Progressive Finanical calls up to ten times a day or more. They call from several different numbers and states, including the XXXX XXXX. The calls start before XXXX and do not stop until after XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica
State: OH

Complaint narrative:
I called and requested that my paper statements be stopped in XX/XX/XXXX. I was closing my account so no longer needed them. I have been getting them still to this day XX/XX/XXXX and am still being charged for them. The company person ive been dealing with is XXXX XXXX. He refuses to put the right amount back on my account. I have statements proving my correct amount owed to me from XX/XX/XXXX to XX/XX/XXXX. He states they cant figure out how to stop the statements they are working on it but here we are 7 months later and still being charged for these and on a closed account. He also refused to give me any different contacts or phone numbers to someone higher then him.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: IL

Complaint narrative:
I have no knowledge of this creditor or debt. It is reporting as an open account to the credit bureaus and is negatively affecting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: TN

Complaint narrative:
I am a victim of identity theft and recently discovered that the person who stole my identity apparently defaulted on his obligation under my name. As a result this debt collection company has placed this item on my credit. There is no way that I opened this account up b/c I was in prison at the time

Company response to consumer: Closed with explanation