vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: OR

Complaint narrative:
On XX/XX/XXXX, I used my account with USBank to transmit {$1100.00} to XXXX  XXXX XXXX using BillPay. I also had them send XXXX ( my credit Union ) {$200.00}. They indicated the money would be available at both institutions on the XXXX of XXXX. It was not received by either. I started calling both USBank and XXXX XXXX XXXX on the XXXX. XXXX said they did not receive any funds and that I had to check with USBank. USbank said they sent it and it was XXXX XXXX XXXX 's problem. As a result I am unable to pay bills ( car payment which is now costing almost {$4.00} per day in interest and reflecting poorly on my FICO score and credit standing. 
The only way to contact USBank is via email from their website and I have done so each day including today the XXXX. Calling XXXX-USBanks takes about 14 minutes to reach a live person to explain my problem. USBank has been unwilling to do anything about this problem and they keep stating they sent the money and it is XXXX 's responsibility to fix the problem. 
Oregon is on lockdown so driving is out of the question for this reason : the closest USBank i 65 miles from my home in XXXX XXXX OR ( I live in XXXX XXXX ). The XXXX XXXX branch is only drive through. The next closest USBank is in XXXX Oregon which is 135 miles from my home. My XXXX plan is 400 minutes and I have used more than 200 dealing with both banks. I now have to pay {$.00} oer minute when using my phone until XXXX XXXXMeanwhile I can not access my XXXX  account to pay bills.I am also being charged a late fee and interest with my credit union . My credit worthiness is now in question due to the irresponsibily shown by USbank.

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 2020-04-24 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In XXXX of 2019 we started the process to look for a new home. See the attached Consumer Explanation Letter ( Provided by XXXX XXXX ). We saw on this document that we had 8 derogatory accounts. As this was the first time we had ever seen this, we let them know that NONE of the reports had any validity. 
First the XXXX XXXX XXXX was from a refinance that went bad, and we were held XXXX by XXXX XXXX XXXX, XXXX XXXX, and XXXX Bank. In an attempt to refinance with XXXX XXXX ( who helped us along the way ) the servicing lender paid the taxes for our property, and the new mortgage company also paid the taxes at the same time. This created about seven months of insanity ... all while continuing to pay the new mortgage on time, and without delay. But since the old mortgage company claimed we needed to pay the taxes it was reported that we missed our mortgage payments on the old mortgage. We never missed a payment. We were told by all companies that they resolved this so that it would never show up on a report ... and I need this removed ( # 8 ). 
The first 7 derogatory accounts are not mine, and I've never even seen a bill for services, nor have I ever been contacted to pay them. I attempted to call Equifax since they were the ones listed as reporting them. They gave me the number for the reporting folks " Merchants Credit Guide, XXXX XXXX XXXX XXXX, XXXX, IL XXXX ; Phone XXXX. I called them and the number is not a working number. I called Equifax back and they said that I could dispute the claim. I did that and they said that they verified and they were in fact my charges. They gave me the same number to call and I submitted another complaint / credit file with them, and I have included it for your review. They said that the hospital and urgent care places that my daughter in XXXX at the time had gone to, had my contact info as responsible party. That was not true, and I didn't authorize any charges for XXXX XXXX, nor was I given a copy of any bill or collection request. Obviously this is something that can be fixed, but the hospitals sold the collection to the agency, and the agency isn't there anymore, so now I'm stuck with this on my report and I need it to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was scammed out of {$750.00} trying to make a purchase using XXXX XXXX XXXX and my JP Morgan Chase bank account. in the total of 3 transactions the first was XX/XX/2020 fro the amount of {$350.00} trans action # XXXX XXXX the second was for the amount of {$250.00} on XX/XX/2020 Transaction # XXXX XXXXand the final payment was on XX/XX/2020 for the amount of {$150.00} transaction # XXXX, I have not received the product and the seller stated he would not return the money to me unless i payed him more money. I stopped communicating with the seller and contacted both companies and was told they can only tag the other persons account for no further activity. I feel this is not fair and something has to be done about it. I am out {$750.00} and no one can help me with the recovery. Is there anything I can do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from XXXX, XXXX, and Experian. Also, Experian is taking a long time on their Data Hacking Settlement.

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 2020-04-24 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

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 2020-04-24 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: ERC
State: TX

Complaint narrative:
Incorrect information reported as a new debt on my credit report. This account was charged off & disputed as incorrect original creditor provided a prepaid service & charges should not have been there. Enhanced Recovery Company is reporting this as a new debt as of XXXX of 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from XXXX, Transunion, and XXXX. Also, XXXX is taking a long time on their Data Hacking Settlement.

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 2020-04-24 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am experiencing negative credit reporting and negative impact on my credit score, this has resulting in reduced credit limit decisions on credit cards. COVID-19 has impacted my self employment. I want all negative credit reporting in 2020 removed from my credit reports from Equifax, XXXX, and XXXX. Also, XXXX  is taking a long time on their Data Hacking Settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: CarMax, Inc.
State: GA

Complaint narrative:
I reviewed the amount of the loan on the contract which was approximately {$13000.00}. I purchased the XXXX XXXX XXXX in XX/XX/XXXX from CarMax. I was alerted to look at this because on my credit report which suggested that I had only started making payments in XXXX or the amount of payments made to the vehicle was not accurate as to the date in which I actually opened up the loan. As I continued to look at the loan which was at about a 13 % interest rate, I realized as of to date I made approximately {$19000.00} in payments to the loan. I had 2 deferred payments throughout the entire loan and I wanted to know why am I still making any payments to a loan that was already at 100 % principle paid plus over {$6000.00} in interest at this point. I am trying to understand why Carmax wants me to pay almost {$10000.00} for borrowing {$13000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: FL

Complaint narrative:
I sent paperwork via U.S. mail and uploaded information to Fed Loans asking them whether or not I qualify for the Public Service Loan Forgiveness program. I sent them as much information as I could including my W-4 's but I could not verify my work as a XXXX  for XXXX XXXX XXXX XXXX XXXX because of the outbreak of the corona virus and the stay at home measures that XXXX and XXXX XXXX XXXX XXXX ( XXXX  ) have implemented. We are now in XXXX XXXX.  I sent them the paperwork and asked them if they could verify my work with the XXXX XXXX which dates back to XXXX as a XXXX XXXXr as well as a XXXX XXXX XXXX   starting in XXXX. They sent me the paperwork indicating that I needed to verify this. I can NOT at this time and I wanted to see if I qualified for the program or if I didn't then how many payments would be needed to qualify be exempted from my federal loans. My information is with XXXX. My information is with the XXXX XXXX XXXX XXXX. Are you trying to tell me that the Federal Government of the United States can NOT verify my work status with the state bureaucracy and implement the data to see if I qualify? I attempted to go downtown but I was told to go home. At this time, the only people that can verify my status are the bureaucrats. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: Meridian Financial Services, Inc.
State: NY

Complaint narrative:
I signed with XXXX XXXX in 2011. At the initial presentation, they make it so that you feel extremely pressured to stay there and eventually sign a contract with them. They dont let you leave to think about the purchase. They tell you once you leave, the offer is not valid. They make you feel like you have to make a decision right then and there without any kind of time to think. I truthfully thought I understood all of the terms because I was going based off of what the representative was stating. Originally, they told me they were taking my old timeshare as part of the new contract, however, that did not happen. The maintenance fees have also continuously increase and that was never presented to me, which would have been necessary in order for me to make a wise financial decision. I feel completely lied to and I know this was absolutely misrepresented to me. I have reached out for over a year in regard to all of these circumstances and have been blatantly ignored. Now instead of assisting me with my already previous concerns, they gave my account an additional two companies- XXXX  and Meridian Financial Services . Both of which have ruined my credit rating. Meridian Financial Services is NOT an attorneys office, it is an office who is trying to receive money from me. I have never signed a contract with Meridian Financial,  nor XXXX for that matter. I have requested the original contract to be sent showing that I never gave authorization to Meridian nor XXXX to obtain my information. I had sent a cease and desist letter to both companies and still was contacted afterwards.

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 2020-04-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Santander Consumer USA Holdings Inc.
State: NJ

Complaint narrative:
On or about XX/XX/2019 i applied for a car loan with XXXX NJ  XXXX XXXX   and Chrysler Financial. They made changes to the loan amount at time of signing. Demanded i need gap insurance due to my trade in. Changed interest rate. Wouldn't give me XXXX insurance for job loss. Gave me far less then my trade was worth. Inflated MSRP prior to incentives to offset discounts. Refused to give me my trade in keys if i didn't sign. Finally put me into a loan for 75 months knowing i couldn't afford. They never verified my income and Chrysler is charging far more interest then my loan calls for. 9 months of payments, monthly {$690.00} changed fro {$670.00} before adding GAP. I pay and average of $ XXXX {$720.00} per month. I paid 9 payments for a total of {$6500.00}, only {$1100.00} went to principal. I will never pay this loan off based on these numbers. Furthermore, they pushed me into this particular vehicle telling me it's worth more.They claimed my trade would lose value if i wait longer.This is a predatory loan/ Also Chrysler uses Automated dialing system and voice messages to my cell phone to notify of payment due. I didn't sign any agreement to allow this.My original loan was {$28000.00} my balance as of today is {$26000.00}. They have failed to fix issues

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX, third party collection agency, for an original debtor, plain green corp date XX/XX/XXXX. This debt was never verified. They never sent me a bill or proof of this debt. Already reported this in collection to Trans Union back in XXXX. I disputed this back in XXXX, XXXX and it was removed from my Credit Report on XX/XX/XXXX. 

I receive an alert from XXXX XXXX that there was a negative item reported to TransUnion. I have called Transunion and are of no assistance. Though I have the credit from XXXX, Transunion and it clearly states this item will be removed on XX/XX/XXXX. It was, until it was re-reported again now. Same Company, same amount. 

This situation has made me sick, I have worked diligently to rectify my credit for over 3 yrs. Letter,  disputes, filing complaints. Now this again. How is this legal? This debt, whatever it is, is beyond the stature of limitations of reporting since it is from XXXX. 

They are now starting to robo call me. As of today. 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 2020-04-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
There was an account opened up with TD Bank online that used my information. There was no identification shown.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I recently noticed my credit score from Transunion dropped by 14 points. My student loan balance dropped but that should not impact my score. Due to COVID19 I am taking advantage of the CARE Act emergency forbearance but this also should not impact my credit score per the act below : Section 3513 of the Stimulus Package : 19 ( d ) REPORTING TO CONSUMER REPORTING AGEN20 CIES.During the period in which the Secretary suspends payments on a loan under subsection ( a ), the Secretary shall ensure that, for the purpose of reporting information about the loan to a consumer reporting agency, any payment that has been suspended is treated as if it were a regularly scheduled payment made by a borrower. 

I filed a dispute with Transunion and it appears my Lender XXXX has marked the account as in forbearance. However, per the CARE Act this should have no impact on my credit score. 

It appears other borrowers have had a similar experience and some credit bureaus are readjusting the scores.

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 2020-04-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I normally make payments on time but missed one payment on XX/XX/2020 due to the COVID-19 situation. I called Capital One and asked that the Late Fee of {$25.00} be removed from my account due to the circumstances and that normally I make payments on time. I was told that the Late Fee will be taken off my balance but I would have to pay an extra {$20.00} due to an increased balance. None of the reps. could explain exactly how they calculated this extra {$20.00} other than to say that my balance increased resulting in this extra amount needing to be paid. In addition, the reps. told me if this extra {$20.00} is not paid by the due date, I will incur another late fee, despite the fact that I just enrolled in a Special Assistance Program to waive Late Fees. Conveniently for Capital One, this Program doesn't take effect for 1-2 billing cycles. These are nefarious business practices. Capital One has found a way to recoup their Late Fee by tacking on an extra {$20.00} fee but claiming that they remove the Late Fee from your balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-24 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: Ria Envia, LLC
State: VA

Complaint narrative:
Hello Last XX/XX/XXXX, I sent XXXX $ to my brother, to XXXX from XXXX XXXX, VA, USA. My brother wanted to get money yesterday but Bank said this transaction is already expired. he couldn't get money from XXXX XXXX. After than I went to the Walmart, when employee said i should connect your company and finally i will get money back. Please can you figure it out?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
I am writing to dispute the following information Regarding XXXX XXXX company which send me to collection for ' {$170.00} the company name is Receivables Performance Management which is showing on my credit report and I disputed with XXXX, I send documents to proof I pay My last XXXX bill. 

I never was notified by Receivables Performance Management in writing that thy are collecting on behalf of XXXX, I found out that when I run My credit report the was a collection for {$170.00}, I try to resolve this charge with XXXX prior to this, I spoke with Coustomer service Of XXXX, Many times, and Told me that my credit card company XXXX XXXX had paid the bill for {$110.00} for he last payment, since I switched Cellular Provider, I was not on a contract with XXXX XXXX I was paying month to month an I was with them For two years, I never skipped payments, I had them on Automatic withdraw out my Credit Card every Month. I was keeping tell them that they got pay by my credit card company, I told them to update the record, I send documents, such as payment supporting my position.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-24 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: CA

Complaint narrative:
I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.

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