vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: BANK OF HAWAII CORPORATION
State: OR

Complaint narrative:
XX/XX/2020 XXXX called my XXXX year old grandmother who is in an XXXX XXXX XXXX, asked her for my contact information despite already having it on file and calling me repeatedly on such number. Told her they were trying to recover a debt from me. 

Called my previous employer after I had already informed them I no longer worked there. They did this in an attempt to embarrass me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute with the credit agencies about inaccurate information on my credit reports! These are hindering me from getting approved for any credit and I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

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 2020-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: AZ

Complaint narrative:
XXXX and XXXX I missed my car payment because of miscommunication between Westlake Financial Services. I tried to communicate with Westlake Financial Services that I wasnt going to be able to pay the auto-loan payment in full those two months but that i could pay 50 % of what was owed for those two payments.

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 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
This debt was included in my bankruptcy. It can't be on my credit bureau

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 2020-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Kentucky Higher Education Assistance Authority
State: IL

Complaint narrative:
We have written through your organization three times about this student loan. KHEAA has had a lien on our Federal Tax return for 19 years. We feel this loan is paid in full. Through your organization, they agreed the loan was paid in full ( XX/XX/20 ) and the lien would be removed ( XX/XX/20 ). We asked them to send us a letter stating those results. They claim it was sent on XX/XX/XXXX ( XX/XX/20 ). We're now on XX/XX/XXXX. No letter has been received, and it doesn't take a month to get a letter from Kentucky to Illinois!!! 

In addition, believing their responses in good faith, we filed our tax return. Today I received a letter from the IRS stating that our tax return money went to KHEAA - DUE TO A LIEN THAT WAS SUPPOSED TO BE REMOVED!!! 

It is obvious that this organization is lying to you and us.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I applied for the Amazon Prime credit card, so that me and my spouse ( same household ) would get the advertised 5 % back on Amazon purchases. I got two credit cards, and we are prime members. It turns out Amazon only wants to apply such promotion to the card thats associated to the prime membership owner, and not household members that get the membership through invitation. Their terms and conditions contradict that. As it states there that prime members who receive the membership through invitation would also be eligible. Amazon said it is what it is and wouldnt help resolve this. 
Terms and can be found here. 
https : //www.amazon.com/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
this debt was included in my bankruptcy. it hasn't been deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I charged an airline ticket on my Capital One card. The airline was XXXX and they are located in the XXXX. 
The problem : XXXX sent me an email with my booking and itinerary. The booking, the itineraryeverything, was under the name Mr. XXXX XXXX. I am a female! I could not risk going to the airport and being screened by the TSA with a bogus ticket that did not match my person or my passport. 

I called Capital One and tried to get this mess straightened out. I asked that they cancel the Mr. XXXX XXXX ticket. Nobody knew anything and I wasnt sure if the ticket was cancelled or not. The Capital One representative insisted that all I had to do was dispute the charge. He erroneously stated that the charge would go away, period. ( The Capital One rep was from another country ). 

I had no choice except to purchase a duplicate ticket. This time I used my XXXX XXXX. I would not have purchased a duplicate ticket if the first one ( charged to Capital One ) had been accurate!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-07-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute with the credit agencies about inaccurate information on my credit reports! These are hindering me from getting approved for any credit and I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

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 2020-07-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute with the credit agencies about inaccurate information on my credit reports! These are hindering me from getting approved for any credit and I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. My initial letter was sent on XX/XX/2020 and the 30 day letter to comply was sent on XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I have a mortgage with USBANK, due to COVID 19 my daughter lost her job, she is a co owner of the property. 
I made contact with USBANK XX/XX/2020, via email, I requested and obtained forbearance but because the household income is less, XX/XX/2020 sent an email requesting a loan modification : ONE to lower the interest rate, TWO remove the PMI, the property has enough equity ( bought for {$250.00} loan down to {$230000.00}, appraised value in XX/XX/2020{$290000.00} ) No response from USBANK, I sent 3 other emails, XX/XX/2020, XX/XX/2020 requesting the same two things, lower rate and no pmi, that will bring the monthly payment from XXXX to XXXX THAT is a LOT of help, I will be able to make the payments with just one income. 
I got excuses from USBANK, " working from home, short handed, the loan " expert " it is not available, there is a new loan " expert '' working on your case " ... it is XX/XX/2020 ... no activity or help from USBANK. 

Can you help?

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 2020-07-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I reached out to the company and ask them to submit signed documents to me about accounts on my credit report. This is a big deal for me. They are suppose to respond in 30 days and its been well over 45 days since ive received anything from a letter that i sent in.

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 2020-07-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
I reached out to the company and ask them to submit signed documents to me about accounts on my credit report. This is a big deal for me. They are suppose to respond in 30 days and its been well over 45 days since ive received anything from a letter that i sent in.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: FL

Complaint narrative:
On XX/XX/2020, I sent American Educational Services ( AES ) a {$23000.00} check to pay off my daughter 's student loan. I received the balance information earlier that day from AES. The check cleared my account on XX/XX/2020. 

I made three telephone calls to AES requesting a letter indicating that the loan was paid off. The first call was on XX/XX/2020 where I was told that I would receive the letter within 7-10 business days. Nothing came in the mail so I called back on XX/XX/2020 and was promised the letter which again never arrived. 

I made another call earlier this month and was told that I would receive the pay-off letter. Unfortunately, the letter that arrived today indicated that only {$4200.00} was paid off and closed. I never received anything pertaining to {$23000.00} which was paid to and cashed by AES. 

I am requesting that AES provide me with documentation that the full loan amount has been paid in full.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-20 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2020-07-20 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: NY

Complaint narrative:
On XX/XX/2020 XXXX XXXX ran my credit without my consent or knowledge through XXXX XXXX to obtain a copy. I have called multiple times with reference numbers and kept being told they can not find the application unless I give them my social security number. They can not find the application they ran with the reference number they provided for the report I did not approve or had any knowledge of.

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 2020-07-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

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 2020-07-20 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AMERICAN EXPRESS COMPANY
State: HI

Complaint narrative:
This is with American Express in the amount of {$1300.00}. I paid it in full on XX/XX/2019 
I sent credit bureaus proof the it was paid off. American express is not removing as outstanding on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
I have reached out to BC services on several occasions to tell them I don't owe this medical debt. attached you will find my bankruptcy discharge paperwork. I also attached the certified mail receipt showing they did receive my letter. They also used medical diagnosis to validate my debt, without a signed HIPPA release.

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 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I DO NOT OWE THIS DEBT. IT WAS INCLUDED IN MY BANKRUPTCY WHICH WAS ALREADY DISCHARGED. ATTACHED, YOU WILL FIND A COPY OF MY BANKRUPTCY DISCHARGE LETTER.

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 2020-07-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I want the fraud alert removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: LHR Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX Ga billed XXXX. I contacted the facility where the procedure was performed XXXX XXXX and complained about their failure to disclose to me the estimate.. I was contacted by the facility patient advocate who said they would contact XXXX XXXX and ask them to hold the bill while I get these issues resolved.. I also spoke with the billing department on a couple of occasions.. I filed two appeals with my insurance and on XX/XX/XXXX I spoke with My insurance co who said they were sending checks for all of the undisclosed estimate.. XXXX check has been processed. I have no debt owed.. 
I received a call XX/XX/XXXX from a debt collector. I told him basically It was my belief XXXX  was holding the bill for me and I filed 2 appeals it took some time however my insurance is covering the cost and I dont owe anything.. 
The debt collector then said when an insurance company dont pay its the patients responsibility. I said I realize that but I dont owe anything now. He then said Im just going to report it to the credit bureau then he hangs up the phone.. I tried to call him right back phone rings no one answers l called twice.. I reached out to XXXX the person said we havent called you today.. I asked for a supervisor she said it will be 48 to 72 hours for them to respond.. At the end of the day I called The debt collector back for their information. I asked who called me this morning he said I did. I asked what is your name he said XXXX XXXX, I asked to speak with his supervisor, and he said I dont have one. I told him I will contact XXXX, who is your contact person there? He said I dont have that information and Im terminating this call and he hung up..

Company response to consumer: Untimely response
Consumer complaint received 2020-07-20 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: MD

Complaint narrative:
due to covid i obtain my credit report and noticed inquiries i did not authorize please remove them from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
On XX/XX/2020 XXXX XXXX ran my credit without my consent or knowledge through Chrysler Capital to obtain a copy. I have called multiple times with reference numbers and kept being told they can not find the application unless I give them my social security number. They can not find the application they ran with the reference number they provided for the report I did not approve or had any knowledge of.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchrony Bank has closed two accounts that were in good standing. They claim it is because my credit score dropped a bit. Both of the accounts had a {$0.00} balance. Looking at complaints made on social media XXXX XXXX and XXXX XXXX, they seem to close accounts or cut limits within 2-3 weeks of the account reaching a {$0.00} balance.

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 2020-07-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
While reviewing my credit report, I discovered this account which I had no idea about on my credit report, and I contacted my attorney.My attoney then requested i contact your office for immediate resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Unable to attach my atm card to XXXX  to send money to my children for emergencies. They live outside the state and it would be more cost effective to be able to use XXXX   instead of spending money to send via XXXX XXXX or XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I sent a dispute with the reporting agencies in regards to inaccurate and unverifiable information reporting on my credit reports. I never received any notifications regarding to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. The original response was sent on XX/XX/XXXX and the 30 day Letter To Comply was sent on XX/XX/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