vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XXXX XXXX, we reserved a rental car online thru XXXX. They reserved in calif but billed to their head office in XXXX XXXX. This was 'suspicious ' according to Elan so they blocked our card without notice. It was a Fidelity card issued by Elan Financial Services. 
We called and supposedly had our card unblocked especially the XXXX charge, that we advised was legitimate. When we traveled to pick up the car XXXX XXXX, ..it was still blocked! We called again and unblocked it again. 
Our complaint speaks to the general issue of blocking cards without notifying card users. 
Of course we are cancelling this card, the agrivation became just too much. However, we would welcome regulation that would require card holders to be notified of blockages. In some ways I feel they were harassing us to get us to cancel due to our age. 
Our card was blocked nearly every other month we used 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 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Commonwealth Financial Systems, Inc.
State: WA

Complaint narrative:
Commonwealth Financial Systems continues to list an account who 's delinquency with XXXX XXXX XXXX occurred on XXXX XXXX ( according to XXXX XXXX as XXXX that opened on XXXX XXXX the day that they acquired the account. The lack of clarification works to deceive potential creditors into perceiving this as a recent default as opposed to one that is over 6 years old. I have been unsuccessful in my attempt to address this matter earlier in the year, both with XXXX and XXXX. Any help that you could offer in this matter would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
XXXX are IMPOSSIBLE to deal with this small debt charge has caused me nightmares. They were unhelpful and got me wrong info every time i called for hours. 

When i first got this issue I asked a colleague who does debt repair for advice. He asked what agency had the debt I said Portfolio Recovery and he let out a big sigh. He said they are one of the worst to deal with XXXX sent bill in XXXX to an address I moved from in XXXX which i updated with the post office. That is public record but i have to blot out the address per the guidelines on this site. 

Instead of contacting me by phone or using my real address they sent to debt collector. Also note I have a different active XXXX XXXX credit card ( which i can not cancel now since it will wreck my credit score further ) so they have my info but they never sent the bill Furthermore, even if i got the bill i would still not know if this charge was legit or not. Still today i have NO knowledge of what that {$130.00} charge ( which i only received via debt collector ) is for. Nor is XXXX or the debt collector able to provide ANY info on what that charge is for. 

I never used this CC once and opened it supposedly 9 yrs ago. Only charge ever was in XXXX which i have no knowledge of and is the one XXXX sent to debt collectors Portfolio Recovers My wife 's purse was stolen in XXXX which we reported to local police and XXXX ( which did a 90 day credit freeze ) and to all our credit cards that we know of - it could be related but i am not sure Either way XXXX XXXX aand portfolio recovery were totally irresponsible and this should be stricken from my credit score. 

Now i am spending months with XXXX and thousands of dollars in poor rates and to pay XXXX and Portfolio Recovery still refuses to budge on this and my credit score is down about 70 points because of that. 

I despise this company and hope the FTC takes action against them. Also if you have a choice ( although I doubt you will ) NEVER use Portfolio Recovery for debt collection I hope a lawyer could help me since I would like to speed up this process of removal and would be happy to talk to someone competent at either Portfolio Recovery or XXXX XXXX and modify review if they could remove this charge, but to date I have not found a competent person at either. 

I would also be happy to talk to media or anyone about this on the record since the whole credit repair process is so ridiculous and unfair. And I am sure people here have way worse stories than I do and would like to help bring light on this in hopes that the process changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: NAVY FEDERAL CREDIT UNION
State: MN

Complaint narrative:
Hello my name is XXXX XXXX and i will like to make a complaint against the navy federal credit. My reason for making this complaint is due to the unethical conduct that has been engaged towards me by this institution. I applied for a personal savings, checking and as well as for my small business as well. 

The accounts was approved and was funded. After the approval of the membership application on both the personal side and business side. I decided to apply for a business checking line of credit and the application was approved after farther review and documentation review. 

Right after the approval of the business line of credit, navy federal decided to place a security on both accounts and will not allow me to have access to the accounts both online and over the phone.
This is frustrating because every-time that i call navy federal they refuse to give me information on my account status and also refuse to give me the money in which was deposited to fund both accounts.
I am writing the CFPB, because i have not had access to both my personal accounts with navy federal and business account with navy federal for almost 3 months now and they would not allow me to have access to the funds in which are currently deposited in both the personal account and the business account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
XXXX are IMPOSSIBLE to deal with this small debt charge has caused me nightmares. They were unhelpful and got me wrong info every time i called for hours. 

When i first got this issue I asked a colleague who does debt repair for advice. He asked what agency had the debt I said XXXX XXXX and he let out a big sigh. He said they are one of the worst to deal with CapitalOne sent bill in XXXX to an address I moved from in XXXX which i updated with the post office. That is public record but i have to blot out the address per the guidelines on this site. 

Instead of contacting me by phone or using my real address they sent to debt collector. Also note I have a different active capital one credit card ( which i can not cancel now since it will wreck my credit score further ) so they have my info but they never sent the bill Furthermore, even if i got the bill i would still not know if this charge was legit or not. Still today i have NO knowledge of what that {$130.00} charge ( which i only received via debt collector ) is for. Nor is CapitalOne or the debt collector able to provide ANY info on what that charge is for. 

I never used this CC once and opened it supposedly 9 yrs ago. Only charge ever was in XXXX which i have no knowledge of and is the one CapitalOne sent to debt collectors XXXX XXXX My wife 's purse was stolen in XXXX which we reported to local police and XXXX ( which did a 90 day credit freeze ) and to all our credit cards that we know of - it could be related but i am not sure Either way capital one aand XXXX  XXXX were totally irresponsible and this should be stricken from my credit score. 

Now i am spending months with XXXX and thousands of dollars in poor rates and to pay XXXX and XXXX XXXX still refuses to budge on this and my credit score is down about 70 points because of that. 

I despise this company and hope the FTC takes action against them. Also if you have a choice ( although I doubt you will ) NEVER use XXXX  XXXX for debt collection I hope a lawyer could help me since I would like to speed up this process of removal and would be happy to talk to someone competent at either XXXX XXXX or Capital One and modify review if they could remove this charge, but to date I have not found a competent person at either. 

I would also be happy to talk to media or anyone about this on the record since the whole credit repair process is so ridiculous and unfair. And I am sure people here have way worse stories than I do and would like to help bring light on this in hopes that the process changes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
I was contacted by XXXX XXXX several time in threatening ways to attempt to repay private  student loans that I did not even know I had with them. This was after they began harassing me over my federal loans that I did sign for and had since moved to a new servicer who has been more than fair about my federal loans. 

However, I do not recall signing for any private loans and there are many of them reflecting in my account on XXXX XXXX. ( I was later informed that XXXX was under investigation for fraudulent loan practices. ) And, while I was willing to try to work out any repayment plan with XXXX XXXX that I could afford on Minimum wage, since I never graduated or was even able to get a job in my field, XXXX XXXX  kept threatening me and demanding that I pay them thousands of dollars to them immediately. 

I attempted to get a legal team involved with all this, but have now been informed that they have been taken to court of fraud as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Innovate Managed Holdings, LLC
State: GA

Complaint narrative:
XX/XX/2017 I reached out to Innovate auto loan company concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
When I applied with XXXX University my expected graduation date was supposed to be XX/XX/XXXX so my funding package was created ahead of time until that date. When XX/XX/XXXXcame around I noticed that I still had 3 classes left, so when I got a call from XXXX stating that I needed to schedule a exit exam because I was about to graduate I asked how that was possible considering I still had 3 classes left. The person I spoke with looked into it and said someone else needed to call me back. I then received a call a few days later from my academic advisor stating there was a mistake and somehow my file ended up in theXX/XX/XXXXgraduation pile which mind you, my enrollment forms and financial forms all have XX/XX/XXXX as my graduation date. So she said that would request an extension for my financial aid coverage which she then told me was approved and I would be covered for the last 3 classes. I then received a call from XXXX towards the beginning of XX/XX/XXXX stating that there was a mistake with my financials and my last class would not be covered and it was going to be {$2000.00}. I explained that I did not have money and was told I would be covered so then XXXX  academic advisor then told me to apply for a private loan which I did not think I would be approved for since my credit was already bad. She stated that she knew for a fact I would get approved if I applied for XXXX XXXX XXXX XXXX, which I did apply and I did get approved but of course there was an error on their part again and she told me I only needed to apply for {$1300.00} and the difference would be taken care of but I guess XXXX XXXX XXXX XXXX has a minimum loan amount of {$2000.00}. So I had to reapply again which was 2 credit hard inquires that I took. I then failed my class and asked for a substitution class within that same category and I was told there was no way I would be able to by the Dean via email. I was then told that my only option was to withdrawal which I asked for the forms and emailed them back due to the financial fraud that was conducted. I started receiving statements from XXXX XXXX XXXX XXXX on XX/XX/XXXXand I made the first payment but by the next statement I realized that XXXX XXXX XXXX XXXX was taken over by the company XXXX XXXX XXXX so I did some research and XXXX is a financial company within XXXX which I was originally told it was a separate financial Loan institution. I have all the fraudulent financial information and current billing statements. I do not believe i should be responsible for this out of pocket expense.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Absolute Recovery Services, LLC
State: TX

Complaint narrative:
Please be advised this is my second complaint about Absolute Recovery Services , LLC. As stated in my previous complaint Absolute Recovery Services , LLC is violating the FDCPA by attempting to collect on a debt which is PAST THE STATUE of LIMITATION. The account became delinquent in XX/XX/XXXX and there have been no recorded payments on this account since XX/XX/XXXX. Furthermore the terms of this contract expired on XX/XX/XXXX. In addition this account is not accurate and complete. There is hand writing deleting specific account transactions and hand writing indicating an amount owed different from mathematical calculations generated in the computer. The amounts seem arbitrary and inconsistent. Finally Absolute Recovery Services , LLC is not license and bonded to collect in my state. By continuing to report this account to my consumer credit report and attempts to collect on this account are a violation of the FDCPA. This account is past the statue of limitation, not accurate and complete, and Absolute Recovery Services , LLC is not licensed and bonded to collect in my state.

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 non-monetary relief
Consumer complaint received 2017-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: STERLING JEWELERS, INC.
State: OH

Complaint narrative:
Debt was paid in 2015. Legal agency called from XXXX stated they put out a warrant for my arrest regarding paid off debt. I explained to female at agency it has been paid off. She stated that she would n't be calling me if it was, demanded I take care of total immediately, stated she had list of friends and relatives phone numbers & would call them stating I owed the debt & ask them to pay it for me and then stated she was calling DMV to suspend my drivers license.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has frozen the funds in my business account for over 2 weeks. They did so by placing a pending debit of - {$880000.00} on XX/XX/XXXX of this year. 

The amount held is over {$16000.00} I have called the customer support number only to be transferred into oblivion. 

An in person visit has yielded the banking rep calling in to corporate, who tells them there is nothing that can be done and no time limit nor estimation has been given each of the six times I visited in person in that branch. 

They have given me no explanation other than there is an " ongoing investigation '' and I have gotten a lawyer to formally write them a letter asking them to explain themselves. 

Your help would be appreciated.

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 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XX/XX/2017 I reached out to XXXX XXXX XXXX XXXX concerning an improper delinquency past 30days hit my credit and decreased my score by almost 90 pts. I have spoken with three agents and a young man. No one could given me any documentation to show what is going on to support the past due amount. The company stated I had missed a payment last year in which why would you wait 8months later to contact me. The manager would never return my calls and I still have to get this resolved for my home purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Bread Financial Holdings, Inc.
State: AK

Complaint narrative:
Hello, My wife and I are in the process of trying to purchase a home. I noticed a few inquiries that I did not Authorize. On XX/XX/XXXX I sent via certified mail a letter asking the below companies to investigate the inquiries and provide proof of my authorization. They were unable to provide proof, however did not remove previously mentioned inquiries. 

XXXX XXXX XXXX XXXX ( XXXX ) - Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Comenity Capital - Inquiry on XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX - Inquiry on XX/XX/XXXX and XX/XX/XXXX XXXX XXXX XXXX XXXX, AK XXXX I received a phone call and a letter from XXXX XXXX saying that they did not have any written authorization, that I spoke to them over the phone. I asked them to send me a recording of the call then because I did NOT authorize them to run my credit. The man I spoke with told me that they did not need authorization and to " XXXX XXXX ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-03 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: TX

Complaint narrative:
I found out my blalance was at XXXX when I tried to grab some food, I logged into my account and found out there were purchases made at a XXXX XXXX in two different cities than the one I live in, it was made a few hours after I bought breakfast for myself. I tried for 10+ hours to talk to someone only to be disconnected by a automatic message saying to call back due to heavy call volume, I have bills to pay and a child to feed and losing XXXX dollars due to scammers is heartbreaking. I 've tried to call to report it and I have no luck. The unauthorized purchases took place on XX/XX/XXXX between XXXX to XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Incorrect information for state tax lien. I have attached the delinquent tax list and my name or ss # is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Incorrect information for state tax lien. I have attached the delinquent tax list and my name or ss # is not there.

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 non-monetary relief
Consumer complaint received 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Incorrect information for state tax lien. I have attached the delinquent tax list and my name or ss # is not there.

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 non-monetary relief
Consumer complaint received 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Account was closed for possible fraud. The information is incorrect and prevented me from getting a job and further accounts. I was hired in with the same company in the fraud department.

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 2017-09-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: NC

Complaint narrative:
Account was closed for possible fraud. The information is incorrect and prevented me from getting a job and further accounts. I was hired in with the same company in the XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation