vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-31 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Law Offices of Quinn M. Kofford, P.C.
State: UT

Complaint narrative:
On I received paperwork from this law firm stating I had so many days to respond in order to set a hearing. These poets said I had to wait so many days to call. I followed the instructions and called after the waiting period, but before the deadline. When I called in I stated I was calling to figure out how to respond to some papers I received, because there was nothing attached for me to fill out and mail in. The person on the other line was a debt collector. She told me that me calling right now was responding, but instead of giving me option for dispute and to have a hearing, told me that a judgement was to be filed the following day, and that I was at risk for garnishment and legal actions. She told me we could set up payments to avoid that. And gave me my options. At no point was I given the opportunity to dispute or to have a hearing. Just threatened with legal action and garnishments. I proceeded to agree to the payments to avoid the judgment they were going to file against me. They then proceeded forward without notification that I did call in and respond within the allotted timeframe, so a judgement was granted. I called back to discuss this, I verified my information, and then handed the phone to my daughter to discuss for better understanding of what happened. The debt collector then yelled at us that it is illegal to pretend to be the debtee, and that she would need to speak with the debtee to move forward. When I literally just verified my information and handed over the phone. I confirmed who I was a second time and gave my daughter permission to speak. At that point the debt collector stated I was served, and that I called in within the allotted timeframe, but that we just set up payments in that call instead of being given option for dispute or hearing. I was fully misled and conned into agreeing to payments I can not afford because I wasnt given an option otherwise. My right to dispute was voided when this woman told me I had no choice but to establish payments to avoid legal consequences and garnishment. After which point they entered a judgement anyway and said I didnt attempt to respond. WHEN I DID! I requested to hear a recording of our first call and was told management could review it only and they would reach back out. I need to receive my right to dispute in court or this needs thrown out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: PA

Complaint narrative:
I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT FILE AND THE CREDIT BUREAUS ARE NOT HELPING.

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 2020-08-31 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: EQUIFAX, INC.
State: TX

Complaint narrative:
The collection account below is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$270.00} Open balance 06 XXXX  Original creditor

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: EQUIFAX, INC.
State: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX   XXXX XX/XX/2020 {$410000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
I was informed by my lender that I was not approved for a home equity loan due to some derogatory items listed on my credit report. I looked more into it and my identity has been compromised. These items are not mine. Please remove the items as soon possible. XXXX   XXXX XX/XX/2020 {$410000.00}

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 2020-08-31 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Chase Marriott Visa - Unbelievable - We went on vacation XXXX through XX/XX/XXXX in XXXX XXXX, XXXX property owned and operated by Marriott - When we checked out the hotel ( XX/XX/XXXX ) could not provide bill- Covid issues, etc..When we got home, they could not provide us itemized receipt- We were concerned as we had to move rooms in middle of stay and charges on credit card were multiple DAYS and very high, and included charges for days after we had left resort. We called chase challenged charges and were issued new cards, Chase spoke with US about the situation and Marriott did call me. However, we still do not have itemization that matches the charges they wished to charge to card! Then after 30-45 days, charges just showed up on the new chase card!!! Even after we cancelled our account because we thought there was some fraud on the card- WHEN WE CALLED CHASED THEY SAID THEY DID INVESTIGATION AND NOTIFIED US OF CHARGES GOING BACK ON ACCOUT-NOT TRUE- JUST SIMPLY A LIE.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT FILE AND THE CREDIT BUREAUS ARE NOT HELPING.

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 2020-08-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I'M HAVING ISSUES WITH ACCOUNTS REPORTING ON MY CREDIT FILE AND THE CREDIT BUREAUS ARE NOT HELPING.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Lost or stolen money order — 
Company: WESTERN UNION COMPANY, THE
State: NY

Complaint narrative:
I purchased a money order in XXXX of 2020 the money order was lost .i made a request on there form for a refund .i payed the required 30 fee for lost mo.they claimed there was a error in my submission .and they would require additional info .weeks later nothing now I cant even get thru to speak to a rep seems like they made it so I cant get past the Automated service my name is XXXX XXXX of XXXX XXXX XXXX XXXX ny XXXX the amount of the mo is XXXX dollars the company is western union

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The collection account below is not mines. 

1. XXXX XXXX XXXX Last reported XX/XX/2020 {$270.00} Open balance 06 XXXX  Original creditor

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 2020-08-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
I did two balance transfer with Bank of America and the expiry dates as follows. When this balance transfer about to expire. I was about to pay the near expiry one which is {$9600.00}. I did pay after 2 months of expiry. So I incurred interest charges on {$9600.00} balance, to avoid the further interest charge, I paid the {$10000.00} on XX/XX/XXXX, and it got returned because of the insufficient amount in my bank account, which was my bad because I chose the wrong bank account while paying the amount for my credit card ( BOA ). So I again went ahead and I paid {$10000.00} with the right account this time and it got credited successfully with Bank Of America. But BOA didn't apply the payment towards Balance Transfer which expired already on XX/XX/XXXX and they applied my payment on Balance Transfer 0 % which expires on XX/XX/XXXX. 

I was under the impression that I paid my expiring balance transfer of {$9600.00} and I have to only pay the balance of {$3300.00} which will expire on XX/XX/XXXX. 

Recently I noticed that I'm paying only the interest of {$420.00} on my credit card, not the remaining balance. It was a big surprise and shock for me to accept that Bank of America didn't consider my payment towards high-interest charges and they closed my 0 % Balance Transfer amount and now collecting interest charges which they shouldn't do because I paid for my promotional balance transfer fee of 3 % in advance for the balance which I'm carrying now. 

Bank of America is denying to revert all the interest charge of {$420.00} and not honouring Balance Transfer offer which has not expired yet. I explained a lot and complained about the system inability to distinguish about returned payment and they are considering it as a purchase instead of return payment. BOA system thinks that returned payment is a purchase and applying future payments towards lower APR balance instead of applying to higher APR balance. I waited a lot for their reply and there was no solution and finally, they concluded that they can not do anything on this matter. So I left with no option than reaching out to consumer finance to resolve this issue. 

Solution : I want Bank of America to revert all the interest charges ( {$420.00} ) from XXXX since I paid my expiring balance transfer in XX/XX/XXXX. Please find my statements in the attachment. 

Balance Transfers Promotional APR - 0.00 % - XXXX - XXXX - XX/XX/XXXX - {$9600.00} Promotional APR - 0.00 % - XXXX - XXXX - XX/XX/XXXX - {$3300.00} Payment history : XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX BA ELECTRONIC PAYMENT XXXX XXXX XXXX TOTAL PAYMENTS AND OTHER CREDITS FOR THIS PERIOD - {$20000.00}

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 2020-08-31 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
- I made extra payments to may loan principal.

- But the payments were not applied to the principal - Several of the extra payments were automatically allocated to late fees.

- Ally 's electronic payment system automatically allocates funds first to the payment ; second to outstanding fees, and third to the principal.

- Ally policy states that customers may request over payment fund applied to principal - I called and emailed Ally the first time it occurred and stated that I would like the over payment allocated to the principal. I chose this because paying off the principal faster allows for less interest and finance charges. 
- But each time I called, Ally would reallocated only a portion of the amount from late fees to the principal. 
- The process would also take so long that the reallocation would cross another payment and I would have to call again to get the over payment allocated to from late fees to principal ; and once again Ally would allocate less than the amount allocated. 
- As it stands, Ally has not applied {$980.00} ( {$770.00} ) to my account at all. The funds were removed from late fees and not reallocated on the account.

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 2020-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Eastern Account Systems of Connecticut, Inc.
State: NV

Complaint narrative:
Since XX/XX/XXXX I have been disputing a debt with XXXX XXXX XXXX for a termination fee of {$150.00}. I was charged this fee after speaking to two representatives that said I would not be charged a fee at all. I tried to dispute this for months and was told that they are aware of the representative telling me this but tried to make it hard for me to remove it from my account. I asked numerous times for this debt to be deleted before it was sent to collections. On XX/XX/XXXX I spoke to someone claiming to be a supervisor at XXXX ( ID : XXXX ). I was told that the charge would be reversed and she would stop it from going to collections.I asked for a letter or email to be sent to summarize what we went over for that call and was told that they would not be able to do that. However, on XX/XX/XXXX I saw that there was a charge to my credit report of {$150.00} for the collections sent from XXXX to Eastern Account System Inc. I called XXXX once again and found at that they did balance my account to {$0.00} but they had not made any attempt to stop it from collections because it was already sent to collections in XXXX which I was not told on the call from XX/XX/XXXX. I was told to call collections to handle it with them. I called XXXX again XX/XX/XXXX to check my balance and realized that it was closed out and told them it had been sent to collections. I was hung up on twice by two different representatives! When I called collections on XX/XX/XXXX, I was told that XXXX  has not cancelled the collections attempt and they would send over a notice to XXXX to verify this information.Though the collections agent did tell me that they usually update them daily. Today, XX/XX/XXXX I called the collections agency to check the status of the charge and was told XXXX has yet to respond to the notice. I have been trying to dispute this fraudulent charge since XXXX and have been lied to by XXXX numerous times. I am upset that it was taken to collections despite numerous phone calls where it was confirmed that the representative said I would not receive a termination fee.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

FOR XXXX 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

FOR Experian 1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXX   Account Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
XXXX the date 's of last activity are inaccurate XXXX XXXX XXXX   Account Number : XXXX Please remove this inaccurate information from my credit report. 
4. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

FOR XXXX  1. you are reporting 3 different dates of last activity/Date of last payment/and Date Open XXXX XXXXAccount Number : XXXX Delete this account for reporting inaccurate information. 
2. I was never late on this account XXXX Account Number : XXXX Please correct/update this inaccurate information on my credit report. 
3. Validate Account XXXX XXXX Account Number : XXXX Please supply information on how you have verified this item.

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 2020-08-31 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: Santander Consumer USA Holdings Inc.
State: NM

Complaint narrative:
Santander XXXX This account is current however, it is being reported as a Charge off with a past due balance of {$11000.00}. These statements are FALSE and preventing me from getting the credit I deserve. I have contacted Santander several times and do not get an accurate response or update.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: WA

Complaint narrative:
Purchase a home in XX/XX/XXXX threw FHA guarantee from Cardinal Finantial. We closed the loan with the first payment due 2 months app. later. This caused a deficiency in escrow as they did not account for the escrow not being paid those two months. Our payment was per contract {$1400.00}. The deficient amount $ XXXX. 
Upon discovering the deficiency Cardinal increased the payment to app. XXXX to {$1500.00}. Which was what was needed to bring the escrow current and we agreed with them gladly. 
Then in XX/XX/XXXX our county taxes increased 300 % from {$960.00} to {$2700.00}. 
They immediately raised our payment for XX/XX/XXXX to XXXX. I contacted them and informed them the county had approved a tax exemption ( deferment ) as I was XXXX  and qualified. They refused to contact XXXX county and confirm as Covid had delayed processing of paperwork on exemptions for months. 
We eventually received the paperwork and submitted it by fax to Cardinal on XX/XX/XXXX. And at that time asked for an adjustment and under the RESPA law that we be refunded the overage. During the XXXX, XXXX, XXXX, time we paid over the required amount. We paid {$1800.00} for XXXX payment XX/XX/XXXX, {$1800.00} for XXXX on XX/XX/XXXX, and {$1800.00} for XXXX on XX/XX/XXXX payments. 
We at all times asked the money paid over each month go to escrow no principal and instructed this monthly. This only made good sense as escrow was deficient at the time. The applied all money over the payment amount to principal balance. 
In early XXXX we contacted Cardinal requesting payment of the overage be returned and they claimed a check was sent which it has not. We also asked that the escrow be recalculated as the single spring tax payment was 2 times what was required and the were refunded by the county 50 % of the tax paid for the 1st half taxes. The sent out a generic letter with a box checked we have completed reviewing your escrow. No more no less not one fact or figure on it. 
To add further they have demanded we pay XXXX payment in the amount of XXXX full well knowing the money is not earned or needed in escrow. 
Originally our payment was {$1400.00} with taxes @ {$960.00} per year. Now with the tax deferal they are {$720.00}. They is {$230.00} less per year, insurance premium unchanged and PMI of course the same. My payment should by contract & law be slightly less than in XXXX when the loan was originated. 
The {$1700.00} XXXX is no less than extortion. 
The misapplying of over payment funds a violation of contract. 
The refusal to refund violation of contract and RESPA. 
During this Covid time they after waiting on the phone lengthy wait times hang up, I beleive by phone number in their computer system. 
These people are the reason you dont want a home or mortgage they are crooked to the core and get away with theft & fraud never acting under the contract FHA should ban them from doing their loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31 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: AR

Complaint narrative:
I decided to get my credit pulled due to a couple of bills I continued to receive in the mail. I have never heard from the place before. Therefore, I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of things that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report.XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX {$21000.00} XXXX XXXX XX/XX/XXXX {$2100.00} XXXX  XXXX XXXX XX/XX/XXXX {$350.00} XXXX  XXXX XX/XX/XXXX {$520.00}

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