vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
I returned a call from American Express. I was told that I called an told them to cancel my request for an Everyday American Express Card and they have sent me out a letter that they considered my request a " fraudulent credit request. I do n't care about the card, what does concern me why did they say this. Why would I purposely put a spot on my credit with making a Fraudulent phone call. The credit card is not important here, but the fact I have been accused of a Fraudulent phone call I did not make. I 've been away from home since Friday ( XXXX ). returned Sunday ( XXXX ) and have not had any verbal contact with American express in over XXXX years and have not made personal or any type of phone call in over XXXX week I basically do not use or make calls,. and when I did I only spoke to a phone service. I am hurt that what they say and what I have done do not match and that I am accused of something I did not do. Here lies my concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXXXXXX XXXX, XXXXConsumer Financial Protection BureauRe : MIDLAND FUNDING LLCDear : INVESTIGATORThis letter is to complaint about a problem I am having with the collection company MIDLAND FUNDING LLC that I been trying to repair since XX/XX/XXXX. 
I am dissatisfied with their service because they damage and continue to damage my credit. I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their collection letters and other relevant documents with Balance Discrepancy 's. Unfortunately, the problem remains unresolved. I am hereby requesting that you : please help me with this company to repair the item and clean my credit reportThank you for your anticipated assistance in resolving my problem. 
Please contact me at my E-mail : XXXXXXXXXXXX if you have any questions. 

Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: MI

Complaint narrative:
I have been traveling out of town for the last two weeks for work and returned home last Friday to find a POSTCARD in my mail that had been collected for me by my neighbor with information about a class action lawsuit for Midland Credit Management. I was absolutely mortified! I do n't even owe Midland any money ( debt was paid last year ) and they do this? This is absolutely horrible.How embarrassing that my neighbor saw this! 

I know that the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692f. Further, Section 1692f ( 8 ) specifically limits the language that debt collectors may place on envelopes sent to consumers : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This postcard I received identified me as part of a class action settlement against a debt collection agency. Specifically MIDLAND CREDIT MANAGEMENT! How did this happen? 

I can not even tell you how much this has distressed me being publicly humiliated like this. I am certain this will probably lead to ANOTHER lawsuit if it has n't already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
My father passed away XXXX XXXX, 2015 with no assests. He had a lease with Southeast Toyota Finance at the time of his death in his name alone. At toyota 's instruction, the car was returned to a XXXX dealer on XXXX XXXX, 2015. A copy of the death certificate and explanation of the situation was provided. Since that time, Toyota and XXXX XXXX collection services have been contacting my mother and members or our family trying to collect a balance on the lease. We have instructed them by phone and mail to stop contacting us, yet they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NC

Complaint narrative:
I originally wanted to transfer some funds from XXXX bank account to another bank account. With changes HSBC has made to their online banking and further security procedures in place, you must have a security device and/or download an app on a phone or tablet, which I was not interested in doing. I do n't feel I need to be obligated or responsible for another electronic device or to do banking from an app, especially when the reviews are very poor. I asked to close my account when nothing could be done without signing up for their security device. I have been trying to close this account since XXXX XXXX and today with XXXX XXXX, without success. My address shown on the account was a previous address, which was about five years old and needed to be updated. They would not send the check to my new address ( even though I was able to submit government proof of my new address ). They need to submit the change to a different department and someone from the address or verification department was to contact me within XXXX hours. Five days later, I still had not heard from them. I made several attempts to get this resolved, but they continued to give me the run around. I could not close the account, without the address change, but they would not complete the address change. Today XXXX XX/XX/2015 XXXX, I try again to call to close the account. Now I am told that it will take another two days to close the account. Also, they will send XXXX but that someone needs to be present to sign for the package. I told them that no one is home during the day to sign for the package. I asked if I could have it sent to my office or have the package left at the house without a signature. I am told no. I will have to wait to get the undeliverable notice XXXX, then complete the form XXXX to make delivery arrangements or pick up at the XXXX office, which is not convenient when I get out of work or even open. Basically, with all of this I will not be getting my money for another week!!! THIS IS UNACCEPTABLE! I started out only wanting a transfer of a small amount, now I do n't have the small amount I needed and I ca n't seem to close my account neither.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX billed me for a debt I did n't owe, for a service I did n't received, so I let them to into my account and take {$96.00}. So I then canceled their contract because I do n't want to deal with them anymore. 
But Transworld Systems is still billing me for {$96.00}, and I refuse to pay them XXXX for nothing. I want Transworld to stop billing me, and I want them to clear up the damage they did and are doing to my credit report. Therefore, I need your help. I have copies of this paid non-service. This racket has gone on long enough. Please stop them/. Please punish XXXX of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
Attempting to collect a debt via phone calls and communication through court papers. Did not receive validation notice per the fair debt collections act to dispute the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA
State: MA

Complaint narrative:
My XXXX loans are serviced by Mohela. When Mohela became the new servicing company in XXXX XXXX I immediately called customer service and asked what actions I needed to take to ensure that I could make payments toward the principal of the loans. They told me to write a letter and request that, " Pay Ahead Status '' be removed from my account. On XXXX XXXX, XXXX I sent them a letter, and on XXXX XXXX Mohela acknowledged receipt of the letter. On XXXX XXXX, XXXX I noticed that payments I intended to go towards principal were going towards interest. I called and the customer service representative told me that the cancellation of 'pay ahead status ' had only applied to one month. He informed me that I needed to write a new letter and request that pay ahead status be, " permanently '' cancelled. When I called in XXXX, the customer service representative said nothing about about needing to use the word, 'permanently ''. 
I have loans from my XXXX degree at XXXX College in XXXX, Massachusetts, and from my XXXX XXXX at University of Massachusetts in XXXX, Massachusetts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AZ

Complaint narrative:
Please refer to Case number : XXXX. On XXXX XXXX 2016 I submitted the application to open the account and also deposited {$1500.00}. It took too much time to get this account open and getting the online access. Now I am seeing that almost after more than 5-6 weeks - they ( hsbc ) are reflecting as if they received the money just on XXXX/XXXX/2016. So where this money was for more than 5 weeks? Why HSBC should not pay interest to me as it 's all the delays from their side? either they should give interest rates from the day they got it or be efficient in terms of opening the account. Another problem is that all their process is very cumbersome and complex - not even folks like me whoa are just XXXX yrs old and in XXXX can follow it - others wo n't be able to do anything also ... .moreover customer service of HSBC is terrible ... yesterday i called ... it seems the call went to XXXX with so much back ground noise ... i said please keep the phone on mute ... i was told please bear with us ... we ca n't help ... that 's the overall standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ENCORE CAPITAL GROUP INC.
State: MN

Complaint narrative:
I have informed MIDLAND CREDIT MANAGEMENT INC that the account that they are trying to collect on is an act of fraud I have filed a police report and submitted it to the original creditor also filed out a FTC AFFIDAVIT I have advised midland I know 15 times it is against the FCRA LAW TO COLLECT ON A FRAUD ACCOUNT. I HAVE ALSO ASKED THEM TO NOT CONTACT ME DUE TO THE FACT THAT THEY ARE HARASSING IF IT DO NOT STOP I WILL PRESS CHARGES

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
This credit card debt charged off back in XXXX/XXXX/XXXX. I was taken to court XXXX/XXXX/XXXX. I could not pay. I was repeatedly taken back to court XX/XX/XXXX and XX/XX/XXXX. In which I still could not pay However in XXXX a garnishment was ordered I appeared back in court XXXX/XXXX/XXXX and an order of exemption was granted. All of these times the creditor did not appear in court for anything. From the time from XXXX XXXX up until XXXX XXXX I had not heard anything from the creditor. I received an order to garnish my wages XX/XX/XXXX. I appeared in court yet again XXXX/XXXX/XXXX. Creditor was contacted by judge and failed to answer or call back nor did they appear. I was granted an exemption. A judgement was placed against me in XX/XX/XXXX. The Statute for this kind of debt is 5 years and as It has been well over 14 years and makes it time-barred. They continue to take me to court or threaten to take me to court. They never show up but they ask for all my information. For ten years I heard nothing from them. I have worked for the same company for well over that time. The debt was never renewed I never promised to pay. I have appeared every time in court. This debt is too old to be collected on anymore. I asked that it be dismissed. They stop harassing me by threatening to take me or taking me to court. I have sent a letter to cease and desist on trying to collect on the debt because of how old it is. As of XXXX/XXXX/XXXX as they have threatened to take me to court again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I sent a notice for verification they did not give me the original date of the charge off on this account, nor could they give me a copy of my original signature card and if they were license in the state of CA. I did not get verification with the 30 days and they are refusing to delete this false information off my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I agreed on a settlement amount to settle a credit card debt and paid it in full. Capital One has not reported it as Settled in Full ( SIF ) and instead left the remaining balance showing I still have bad debt. I have requested a paid in full or SIF letter from them multiple times and also sent them proof I paid the payments as requested along with a copy of the settlement agreement letter and they refuse to respond. This needs to show settled in full on my credit report instead of showing I owe an open balance still. And they also need to verify the account number on all reports is accurate because it is NOT showing correctly on all XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
We have been capital one members since XX/XX/XXXX, and last time we were approved a credit limit increase was in XX/XX/XXXX. They have been constantly denying our request with the reason of OUR AVERAGE MONTHLY PAYMENT IS TOO LOW. We pay more than the monthly payment and at times two payments a month and they are more than the monthly payments they ask for. We are tired of this company Degrading us with there observed reason on why we are Denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
Credit control services, representing infinity insurance has violated the FCRA by not providing documents to me in regards to this debt.I am unaware of this creditor and have not recieved anything that pertains this debt.This account is unverified and imediately needs to be deleted from all credit files-XXXX, XXXX and XXXX.The bussiness is required to disclose to me all of the documents that they have recorded and retained in their files that pertrains to this debt.If Credit control Services does not have any documentation they need to retract this from my credit file immediate XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
i have an account with capital one. i didnt get my statements in the mail for 2 months. 
i immediately called them to let them know of the problem and it might be the turnover of our mail carrier. i asked capital one to please email me with the totals that need to be sent.i also asked them to make sure my address was correct with the correct suite #. after i recived the emails from them regarding the totals, i sent it to them immediately. i was then told by representatives at capital one that the email totals that were sent were not the exact totals based on the billing cycles since i didnt get the actual statements on time in the mail. they claimed that i was 30 days late on those 2 months of this issue and sent negative comments to all credit bureaus that dinged my credit scores.They have recordings of all my calls to them regarding the issue and appoligized for the mistake by phone.however when i spoke to there supervisor they said the issue was sent to their internal dispute department but didnt feel they made a mistake, so they would not correct it with the credit bureas. i also asked for copies of the actual statements that they sent me, which i recieved after the address correction was made, and in the package of the statements, it shows the original address on those statements where i didnt get the statements. On the outside of the new package they sent me the updated address was correct, however the copies of the statements still showed the initial address.I also told capital one that if they had sent me the actual totals in their emails to me, then i would have sent what the exact total was required. but i only sent the amount they requested in the emails. They also confirmed that with me by phone, when i spoke to their representatives and they should have those recordings as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dear Consumer Representative : Capital One Bank is sending me pre-approved application for a credit card. I 'm getting the mailings on a weekly bassis, mean while everytime I 'm being denied a credit card. Also, the director is mailing me a personal letter and never approve. I would like to know what is going on and get approved. 

Sincerely, XXXX XXXX XXXX/XXXX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I had a secured credit card with a limit that i deposited of XXXX and had made a few payments from my personal bank account. I had to pay an unexpected auto expense and the payments I had made returned from my bank. After calling and speaking to capital one the representative advised me that is in violation of their policy after kindly explaining the situation and she said that they would be closing my card and taking all of the money back that any remaining balance after they took out their fees and cleared any payments that are pending the would take it all and i would not recieve anything back which is not my understanding of how the secured card worked.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I recieved a voicemail indicating that my credit card was potentially involved in a large scale compromise. Disturbingly, my brother and parents, who do not appear on my account, were also called. I was told their contact information was obtained via public records. They were not provided account information other than my name, the fact that I had a credit card account with the institution, and the fact that my card was potentially compromised. Everyone I spoke to was very evasive about how and why the determination was made to contact these XXXX parties, not to mention how they obtained the actual contact information for them, my relationship with whom the bank is completely ignorant of. It is entirely possible ( though not the case here ) that XXXX of them could be involved with fraudulent activity using my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
I had a credit card on file with XXXX, and was charged in error for a service I did not receive. The hotel was informed and I disputed the charge of {$100.00} with Capital One, who confirmed the dispute, removed the charge, and resolved my issue from XX/XX/2016. I have found that Capital One has recently reinstated the charge, refused to allow me to dispute the charge, and is harming me financially by charging interest on a balance which was disputed/already removed. I have contacted XXXX representatives in order to notify them of their error. They advised they could not assist, could not read the letter they sent, and advised they were able to confirm the financial harm, the additional charge being applied, but did not see a reason to help. They referred me to a letter which is still in transit, advised I have n't responded to it, even though I am literally talking to them during this conversation, and they still would n't tell me what is required to get them to complete the request again ... I do n't understand why this is legal and would like a federal review to ensure the employees involved are investigated and my case resolved to ensure I am credited the {$100.00}, any interest applicable, and any restitution due under law. I require written confirmation from the CEO of their apology for their errors.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Since XXXX of 2015 up until XXXX of 2015 I have been disputing a Capitol One credit card appearing on my credit report. I did not receive this credit card nor did I activate it. Capitol One continuously reports me late even after nine months of phone calls.

Company response to consumer: Closed with explanation