vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: HEARTLAND PAYMENT SYSTEMS INC
State: RI

Complaint narrative:
I have been having issues with XXXX XXXX, who took over my loan from XXXX. I have been in deferment for a while because I am a graduate student, but I like to check my account from time to time so I can keep tabs on what I owe. 
Last Saturday ( XX/XX/2018 ) I tried accessing my account multiple times and the service was unavailable despite claims on their website that they are a 24/7 access site. I have tried again today, XX/XX/2018, at XXXX and the site is still unavailable. I then tried to contact the company and they ask for a SS #, and it said the number was not on file, yet when I tried to register an account I couldn't because I already had a file. I decided to research the company only to find extremely negative reviews of other people having the same or worse problems ( XXXX XXXX XXXX  ). 
I have reset my password and gotten " in '' to the site where they say there is no information based on my SS #, yet they say that my loans are being handled on the same page ( screenshot attached ). I logged out and attempted to log back in with my new password, and the unavailability message is back. How is it that I have no access to MY information?! 
I plan on graduating this year which means that my loans would come due. I am not comfortable with this sketchy company having my personal information or access to my finances. 

I appreciate any help that you can provide. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: HW Holding, Inc
State: HI

Complaint narrative:
XXXX has the following information on my credit report and it is not correct : Has a past address of : XXXX XXXX XXXX XXXX XXXX TX XXXX I have never lived in Texas. 

Shows a late payment account from : XXXX XXXX This has never been late. 

Hunter Warfield , Inc . 
This account does not belong to me. 

Shows an inquiry from : XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hi, I opened the secured credit card from Wells Fargo in XX/XX/2014. I was told at that time that by creating the history with this secured credit card which was my first credit card I would build up my history and then after I could show how good lender I am I could release my secured credit card and upgrade it to a unsecured credit card which is a normal routing credit card. At that time, I have had no history and as a international student who knows just one bank, Wells Fargo, which is located at my university I heard what they told me and open the secured credit card in XX/XX/2014 with Wells Fargo. 

Now, after almost 4 years of having this secured credit card and pay more than {$100.00} of fees to obtain the card each year my credit card has not been upgraded yet. My credit score is excellent now, I have had no late payment and I always use less than 10-30 % of  my credit line. I have credit cards from XXXX and XXXX XXXX and have more than {$15000.00} of credit line in total. I receive offers from different credit cards each week as well. I called Wells Fargo many times and went to their different branches to request for upgrading but they just decline and the only reason they sometimes provide is that I am not Citizen neither Permanent resident in US which is not supposed to be a problem since I have Social Security card and I have different credit cards from different credit card issuer. I even asked to at least pay me back the entire fees that I have paid since XX/XX/2014 which is {$120.00} and wave the fees for the future to worth for me to obtain the credit card but they did not do that as well. 

I would appreciate it if you can follow up my issue to either upgrade my credit card to unsecured or pay me back the fees. 

Thanks.

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 2018-08-28 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am unable to check the status of disputes or pull my annual credit report from equifax they keep saying they are going to fix the problem for months but have not. It keeps telling me the information i have entered is incorrect but it is correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: IL

Complaint narrative:
I deposited {$500.00} in XXXX on a site called coinbase.com. 

Now I cant access my account it lets me login then it doesn't load anything and is unresponsive an has been doing it for weeks now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I used the XXXX money transfer app because it was advertised in my Wells Fargo app so I trusted to use it to transfer money over in exchange for tickets that I was trying to purchase on XX/XX/2018. However, I did not know there was no protection from scammers or any kind of fraudulent activity. When the person never meet with me to transfer the tickets I realized I had been scammed and reached out to XXXX and Wells Fargo, my bank. You can imagine my surprise when I found out there was nothing they would do. I filed a claim with Wells Fargo and once it was denied, even after the associate I talked to initially made it seem like there would be no problem getting refunded, I contacted them again. They said there was nothing they would do because they don't cover that and to contact XXXX. I told them I already had and that they wouldn't do anything to protect the user. Since Wells Fargo owns XXXX, I thought it was interesting that there was " nothing that they can do ''. As a member of the bank for years I believe I should be protected against scams and fraudulent activity that I was victim to in this situation.

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 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: HI

Complaint narrative:
Experian has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX   This has never been late. 

XXXX XXXX XXXX This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX Late payment. This account was never late. {$21000.00} XXXX This account was never late. 

XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX I did not authorize this. 
XXXX I did not authorize this. 
XXXX XXXX. I did not authorize this.

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 2018-08-28 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I had a mortgage with Citimortgage issued in XXXX which I refinanced with them in XXXX. At the time, I had just come out of a Chapter XXXX bankruptcy. The mortgage was reaffirmed and paid directly. The account had never been late. At no time was it included in the Chapter XXXX plan, nor could it have been, given that the law does not allow secured debt to be discharged in bankruptcy. A mortgagor should know that. 

When I refinanced in XX/XX/XXXX, Citimortgage paid the XXXX mortgage off when it closed on the refi. Given that they were the originator of both mortgages, there shouldn't have been any question that the status of the XXXX was anything other than " closed, paid or paying as agreed '' ; nonetheless, Citimortgage reported to all three credit bureaus that it was " included or discharged in Chapter XXXX. '' I contacted Citimortgage to ask for a correction in XX/XX/XXXX, and they confirmed the error and stated that it would be corrected within 30 days as required by FCRA. This did not happen. 

I applied for a new mortgage in XXXX, XXXX and learned that the information was never corrected. I then filed disputes with all three credit bureaus. They corrected the information with XXXX and changed the status to Closed, " paid or paying as agreed, '' and stated that they were correcting my record with XXXX and XXXX. 

In late XXXX, XXXX I discovered that the information had never been corrected with XXXX or XXXX so I contacted Citimortgage again, demanding that it be corrected within 30 days or I would file suit under FCRA. They sent a letter on XX/XX/XXXX again confirming that the information was inaccurate and would be corrected. It has now been 30 days and nothing has been reported to the credit bureaus. 

As Citimortgage clearly has no intent of correcting the information they were required to report more than one year ago, government action is needed. Please open a file and demand that the information be corrected immediately. I will separately be pursuing a suit under FCRA, but I would appreciate it if you could have the information corrected in the interim.

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 2018-08-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: LoanCare, LLC
State: FL

Complaint narrative:
Due to hurtican IRMA ( in fed declared disaster zone ) I spent more than expected vacating & repairs. I am a XXXX female. FHA assisted with a modification which was ratified on XX/XX/2018 with trial payments thru XX/XX/XXXX. Each payment was made in advance. During this time i was sent SOMEONE ELSES LOAN DOCUMENTS. I informed LOANCARE and was sent my papers. These wete returned notarized but apparently ate getting shuffled around between XXXX XXXX ( processor ) and whoever is thhe new pt of contact ( old is XXXX XXXX loss mitigation ). Because this was disaster related the 1st 90 days was extended another 90 days - in forbearance NOT TO. BE REPORTED LATE TO CREDIT BUREAUS. There are continuous errors reported to credit bureau and promises to fix over & over again. These are unfair practices in collections. 
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
Consumer complaint received 2018-08-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was surprised when reviewing my credit report and found a late payment on the date : A 30 day late as of XX/XX/2017. 

I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-08-28 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX phone call was made I spoke with 3 different agents then they hung up. XXXX spoke with two agents that both said they transferring me to a special unit, however no one came and they hung up. XXXX I called again and spoke with 2 agents held on for 30 minutes they picked up asked my information dob ss address then said its two special units they have to transfer me the other

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 2018-08-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: GREAT LAKES
State: CO

Complaint narrative:
Theft Incident : Federal Student Loan What is the name of the lender or loan servicer for the fraudulent loan? 
Great Lakes Name of an agency representative that you spoke to : Great Lakes Agency 's phone number : XXXX Agency 's email address : If you know, tell us when the account was opened. 
XX/XX/XXXX When did you first notice the problem? 
XX/XX/XXXX If you know, estimate the total fraudulent charges. 
XXXX Account number : 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 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX is claiming on my credit report that I owe them {$630.00} I called XXXX XXXX to cancelled my policy i inform them that I have move on to XXXX XXXX with no lapse time as required by XXXX XXXX four month later they report me to the credit agency.

I never sign a contract with them as is not required, I would like this item deleted from my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I'm really disappointed in Capital one, they don't want to follow protocol the FCRA puts forth. They just verify everything and don't do an actual review of the concern at hand. I have sent in several requests for the bureaus to do a review of a late which is reporting in XX/XX/2016 each time Capital one responds with needing more information. I provided all my personal information which i'm sure the bureau sends over since I get a response from capital one so they know which account i'm referring to. Instead of doing an actual investigation they just spit out a letter either requesting information or saying they responded already. This isn't the case never once did they do an actual review since they always claim to need more information. 
In the letter which is from XXXX it says they responded in XXXX I never got a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Finco Holding Company LLC
State: HI

Complaint narrative:
XXXX has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX  This has never been late. 

Equitable Finance Company This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX Late payment. This account was never late. {$21000.00} XXXX/XXXX  This account was never late. 

XXXX XXXX This account does not belong to me. 

XXXX XXXX XXXX This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX/XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX/XXXX  XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX/XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: HI

Complaint narrative:
XXXX has the following information on my credit report and it is not correct : I have never lived at : XXXX XXXX XXXX XXXX TX XXXX Shows a late payment account from : XXXX XXXX This has never been late. 

XXXX XXXX XXXX This has never been late. 

XXXX XXXX XXXX Charged off. This account was never late. {$4000.00} XXXX XXXX XXXX Charged off. This account was never late. {$5000.00} XXXX XXXX XXXX   Late payment. This account was never late. {$21000.00} XXXX/XXXX This account was never late. 

XXXX XXXX This account does not belong to me. 

National Credit Adjust This account does not belong to me. 

Shows an inquiry from : XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX XXXX XXXX. I did not authorize this. 
XXXX. I did not authorize this. 
XXXX/XXXX. I did not authorize this. 
XXXX XXXX. I did not authorize this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I filed a dispute with the credit card company in question regarding a purchase of a defective product. Credit card company supposedly investigated my issue in 2 days. I am not satisfied with the outcome of their investigation and requested and appeal to the decision. The bank in question is refusing to reopen the investigation so I can appeal their decision.

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 2018-08-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: CA

Complaint narrative:
I had lost my job or actually laid off on XX/XX/XXXX. I had signed up for the protection on my credit card. I reported it to the company was told I would get paperwork. In two weeks now XX/XX/XXXX I call them back, stated that they were having problems. I guess they were being bought out or changing banking companies. No paperwork nothing. At the end of XXXX about the XXXX XXXX. I received a bill that had we ate informing you about new bank. Now I receive a thing typed on the billing statement my acct closed yet I am back to work XX/XX/XXXX and making payments now I brought acct under credit limit and I go to use card told its closed I said cant be well I printed out what I have as far as credit and it shows my acct is open yet I cant use it yet it states my available credit is. So they lied.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: CO

Complaint narrative:
I had a lease with a friend of mine and he defaulted on his half of the lease so i paid for him but then they put a XXXX collection on my report and have not been able to show me a breakdown for how it got to be so high. We left the place clean so they could rent it out and i paid for my roommate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX phone call was made I spoke with 3 different agents then they hung up. XXXX spoke with two agents that both said they transferring me to a special unit, however no one came and they hung up. XXXX I called again and spoke with 2 agents held on for 30 minutes they picked up asked my information dob ss address then said its two special units they have to transfer me the other

Company response to consumer: Closed with explanation