vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Reliant Financial Corporation
State: WA

Complaint narrative:
I have been dealing with XXXX XXXX XXXX. This company states on my credit report that they could not locate consumer and never sent over any verification of debt before we got contacted by XXXX with a company called XXXX  XXXX. We started paying XXXX back in XX/XX/XXXX. We started paying this company after speaking to XXXX XXXX and them stating that he was the company that is collecting for them, this is after they stated that my account shouldn't be in collections. I called back to see if I could receive a verification of the debt from them as they never sent me XXXX and never got through to anyone. In XX/XX/XXXX I received a notice from XXXX, XXXX. stating that they would be proceeding with trying to collect funds on this account. At this point I assumed that my payments to XXXX with XXXX XXXX would stop as I received this notice. At the end of XXXX when my payment came due to XXXX he still tried collecting on the debt at which point prompted a call to XXXX to explain the situation. He stated that he has had issues with XXXX XXXX but had no documentation that he was no longer supposed to collect on my account. At this point I called XXXX XXXX to see what was going on. When I called they gave me a different company name that was collecting on my account, completely different from the XXXX companies already listed. I asked them about XXXX XXXX and they stated they had him listed as well. I asked them why I am now being pursued by another company if they still have XXXX XXXX on file at which point he provided me with a phone number to the new company ( again the name and number escape me and I can not find the paper I wrote it on ) and stated that he was going to speak to a XXXX and call me back. I at that point called XXXX, XXXX and never could get through to anyone, the company XXXX XXXX gave me over to and couldn ; t get through with out an access code and got a call back from XXXX XXXX to call back and when I did I never got back through to anyone. At this point I have continued to pay XXXX XXXX in good faith as I do not want to be pursued by any other company but at this point this debt is close to XXXX XXXX XXXX. I am not fully sure of the proper information on the debt as I never received a full verification of it and I don't have a clear understanding of who the heck should actively be working with me. XXXX, I keep getting notice on my credit of a missed payment to them when I have been paying monthly since XXXX.

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 non-monetary relief
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EdFinancial Services
State: TX

Complaint narrative:
Nobody will listen. I've complained and disputed this information several times. 
Please quit validating this INCORRECT information with XXXX. 

Edfinancial is not reporting my history to XXXX   correctly. The other two bureaus are ok. 

1 : Edfinancial is reporting to XXXX  that I was current XX/XX/XXXX and XX/XX/XXXX. I WAS NOT CURRENT. 
No payment was made those months nor was I in forbearance or deferment. Refer to account history directly from Edfinancial ( attached ). 

2 : Because this account was negative when it was closed, Edfinancial needs to report a Date of Original Delinquency to XXXX. Right now, the date XXXX   is using is XX/XX/XXXX. THIS IS NOT RIGHT. 
The date of original delinquency should be XX/XX/XXXX as evidenced in the account history directly from Edfinancial.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase has locked my account and I have sent several message and contacted customer support several times. They say an account specialist is working on it. I waited 12 days and telephone support has not come up with an answer and my account can not be accessed. I have no idea when they will unlock my account. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
XXXX XX/XX/XXXX CFPB, I am XXXX XXXX. XXXX. Navy Federal Credit Union is NOT in compliance with your " Cease and Desist-ORDER '' dated XX/XX/XXXX. I've negotiated with NFCU concerning my Visa Account ; with letters ; Messages on my account website and contacted NFCU's-Personal Finance Counselor. They won't negotiate lowering interest rate from 15.24 % to a much lower rate. I slowed use of NFCU by stopping/slowing withdrawals and use in XX/XX/XXXX. Now I get Harrassing texts onm cell phone and Blocking access to my Checking Account activity. Website shows Checking balance but Can't Open " Checking Account '' to view actual Deductions.

Gentlemen, I don't know what else to do!!!! 
They obviously continue to " VIOLATE '' your ODER. This is XXXX. What happened to Complance with " Your Order ''?

I need help to get this Visa Account to a manageable place! I will pay this debt but NFCU must have Targeted Me for some reason! 

I hope you review my Complaint. Communication and other banking issues are also present. Rogue Banking! No Compliance. No personal interaction with NFCU Members! 

Sincerely, XXXX XXXX. XXXX NFCU Member since XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax ; XXXX  and XXXX  are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
On XX/XX/2019, I made a call to Capital One to try to resolve a fraud issue. They told me that they took the claim information and told me I would be credited back the amount I talked to them about. It is as follows : XX/XX/2019 for {$640.00}. 
On XX/XX/2019 they credited my account {$640.00}. They told me it was available for use. I tried to use my card and it was declined. I called back on XX/XX/2019, and the credit was removed from the account. They told me I have to wait 30 to 90 days now for them to credit my card back. They told me they took the credit back because it was still under review. I said, how do you credit someone and take the credit back right away? That makes no sense. They told me they are still investigating and gave me no valid reason for putting the credit on and removing it right away. They have been rude to me and hung up on me several times. They basically told me I have to wait. 
The card number I am giving you on the next page is the new card that they just issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I signed up for Experian XXXX ; an on-line program that allows a consumer to pay {$14.00} to Experian and that allows a specific company with which the consumer wishes to conduct business to view the consumers credit rating info for free. 

I signed up ; my prospective tenant signed up ; she has paid the fee and when I log-in and press the " View Report '' tab ; the website states that Experian needs to verify that my email address is valid ( which you would thing they already know when I signed up and they sent me emails ). To do so, they will send me an email for me to then access their verification program ; after which I can then see my prospective tenant 's credit report! 

All that is fine except they NEVER send me the verification email and yes I have checked my Spam/Junk Email folder as well on multiple occasions for the last few days to no avail. 

On top of this ; try contacting Experian to either type, chat, or speak with an agent to resolve this matter! If you reach anyone ( surely no one with XXXX will speak with you because you can't get a phone number for XXXX ) they tell you it's an on-line part of their business and they can't help me! 

Please, just open your browser and type in Experian .anything! Contact Experian, discuss a problem with Experian, speak to someone at Experian, whatever and you will NOT be able to do so. 

They do want your SS # and zip code : why??? I am not looking for my credit report but even after giving it out, no human or any other option exists. Sounds easy? Try it! 

So they have tons of email accounts and on-line programs to seduce you into signing up for their services but never give you a method to communicate with them. 

I just want to see my prospective tenant 's credit report on Experian XXXX and they will not even communicate with 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 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: HUNTINGTON NATIONAL BANK, THE
State: KY

Complaint narrative:
I received an email notification from Huntington National Bank on XX/XX/2019 indicating that my credit limit on my credit card was being decreased. The email provided no further explanation, other than I would " receive a notice with more information by mail in the next few days. '' I have yet to receive said notice in the mail. 

I checked my account online and indeed confirmed my credit limit was reduced from {$24000.00} to {$21000.00}. The account has a {$0.00} balance. 

When I called to inquire, the representative informed me the change in credit limit was due to an evaluation of my FICO score, credit history, and relationship with the bank. I requested the limit be restored and was denied. I was also told it could not be re-evaluated for 6 months. Fearing that something was wrong with my credit report, I checked it immediately. 

My FICO score is XXXX. My credit summary shows I'm currently using only 4 % of my available credit, of which {$110000.00} is currently available. There was no unusual activity on my credit report. No changes or discrepancies. XXXX missed/late payments. Ever. My annual income of {$200000.00} remains unchanged, and I have weekly deposits directed into separate checking and savings accounts with Huntington National Bank. 

So, I have been unable to discern any other valid reason for the reduction in credit on the account, other than the card has a {$0.00} balance and I haven't used it for a purchase in at least 6 months. 

I called back a second time to dispute the reduction in credit limit and request a restoration to my original credit limit of {$24000.00}. I was again denied, and was dismissed by both the initial representative and subsequently, her manager, to whom I was transferred. The manager also refused to provide a copy of the bank 's decision criteria when requested.

I believe the decision to reduce my credit limit was unfounded, arbitrary and unfair on the part of Huntington National Bank. Please consider this submission as my formal complaint against Huntington National Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I have owned a Chase Ink Business Plus credit card for approximately 10 years and have been earning Chase Ultimate Rewards points during that entire time. When I went to check my Ultimate Rewards balance yesterday, I was denied access to the site. When I called Chase, they informed that my account was associated with a " government entity '' ( it is NOT ), and they therefore removed me from the Ultimate Rewards program. I was NEVER informed that I would be removed from Ultimate Rewards, so over the last 3-4 months I spent approximately {$10000.00} on my Chase Ink card with no rewards in return. Chase also proactively liquidated my rewards account. 

When I asked why this was done without informing me, the agent referenced a change of terms notification I received in XX/XX/XXXXthat would have informed me of this action. The change of terms notification, however, did no such thing. No mention of government entity, rewards, etc. When I asked to escalate the case to resolve it, I was told that it was too late -- I missed the deadline. Yes, a deadline I was never given. 

I believe this is a violation of UDAAP and potentially other regulations. I was misled into doing my spending on this credit card in return for rewards and have not been issued the rewards I deserved. 

Alas, my research indicates others have experienced this same issue with Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Rauch-Milliken International, Inc.
State: FL

Complaint narrative:
XXXX XXXX of Rauch-Milliken International , Inc. alleges there is a debt of {$1300.00} owed. This alleged debt is unknown and disputed. An attorney letter of representation, along with a request for 1 ) A copy of the original written agreement between the parties, 2 ) A copy of the assignment of the alleged debt to Rauch-Milliken International , Inc., and 3 ) Copies of all correspondence in relation to this alleged debt, was provided to Mr. XXXX on XX/XX/19. No response has been provided. Rather, Rauch-Milliken International , Inc. has disregarded the attorney letter of representation and continues to harass, threaten, and hang up on the alleged debtor via telephone calls ( two calls at XXXX XXXX and XXXX XXXX EST on XX/XX/19 ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Citibank Credit Card Company : 1. Encouraged me to change to paperless statements. 
2. Encouraged me to enroll in auto payments. 
3. After a year, ceased pulling my auto payments without notifying me. 
4. Closed my other accounts without notifying me, although still pulling the auto payments for those. 
5. Made it impossible for me to view my info online. ( Lockes me out ) 6. After an exceedingly long wait ( 60+ minutes ) on hold, the customer service rep disconnected me when I called to attempt to have paper statements sent to me. 
Help 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 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have a bankruptcy filed onto my personal credit report dated back to XX/XX/2012. My husband must have filed without my knowledge or I was told that it could have been that when he filed my name was attached to accounts included. He takes care of all of the debts and I was unaware of the bankruptcy. I tried to get a credit card from XXXX XXXX and I was informed that they would not allow me to get one because of the bankruptcy. I tried to dispute it and the bureaus would not remove it. I even reached out to the courthouse and they sent me back a letter stating that they are not reporting the item. They attached this website to proceed with a consumer dispute. The odd thing is that my husbands credit report does not show he filed for a bankruptcy and I am the one that has never had any debts or credit. My credit report reflects this. The credit bureaus informed me after submitting the courthouse document through XXXX that the item was deleted. Then, on the website it alerted me that the bankruptcy was re-instated. I also submitted a document from the XXXX XXXX. The XXXX requires new and existing public record data to meet certain criteria in order for them to appear on your consumer credit reports, including : The public record data must have your name, address, and either your Social Security number or your date of birth. The data furnisher of the public record information must visit the applicable courthouse at least once every 90 days to obtain newly filed and updated public records. On my credit report it is not showing the required information from the courthouse reporting it. There is no name, no address or records. I will attach : Letter from Courthouse, XXXX laws, Proof that nothing is reporting on the report as required and that they deleted and re instated the item without informing me. I am not responsible for the Bankruptcy and it does not show required information by law. ( there is no balance attached to the reported bankruptcy ) It has a {$0.00} balance and the credit bureaus have not complied with any of the laws. Also, by law the credit bureaus must inform you that they are re-instating an item and the bureaus did not do so. None of the laws have been complied with, yet, I still have the item on my credit reports.

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 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: BB&T CORPORATION
State: MD

Complaint narrative:
This company calls me every single day and harasses me at work. I have tried to fix my account with them, but they are very nasty and rude.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX ; XXXX and Transunion are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.

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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX ; Experian and XXXX are reporting an incorrect balance on the XXXX XXXX account number XXXX. ( Please see the attached page from my credit report. ) I have also attached a copy of the check to XXXX XXXX dated XXXX in the amount of {$11000.00}. I had GAP insurance after my accident and this check was applied to this account, however the balance is not being reported correctly on my credit report. I have contacted the ( 3 ) bureaus to resolve this issue. This inaccurate reporting is harming my credit score.

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 2019-07-10 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: ID Analytics, Inc.
State: MT

Complaint narrative:
This is a copy of the letter I sent to SAGESTREAM : To Whom It May Concern, I am requesting the immediate security freeze on my consumer disclosure report and all other personal information of mine. Under the Fair Reporting Act ( FCRA ) you are required to comply. After this freeze has been filed please send me written confirmation to the address below. XXXX XXXX XXXX Social Security Number XXXX Current Home Address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX Previous Home Address XXXX XXXX XXXX XXXX, XXXX XXXX Phone Number XXXX I am providing the following documents that verify my identity : 1. Copy of my drivers license 2. Copy of my home utility bill 3. Copy of my United States Passport Respectfully, " SAGESTREAM '' never responded or complied with my request. I will send them the letter again via certified mail. 

NOTE : I HAVE ALSO CALLED THEM 2 TIMES AND LEFT A MESSAGE. I NEVER RECIEVED A CALL AS OF TODAYS DATE.

Company response to consumer: Closed with explanation