vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-30 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: CO

Complaint narrative:
Equifax credit score dropped 28 points without any negative entries on my current credit report. No increase in debt. No cards paid off. No delinquent payments. Made a one-time payment of {$500.00} on a credit card. 

Both XXXX and XXXX credit scores went up. 

Spoke with customer service at Equifax, they flat out said they don't know why my report went down, " This is strange .... '' to quote the representative. I was not given any suggestions or solutions. I was told to contact CFPB and FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: College Ave Student Loan Servicing, LLC
State: PA

Complaint narrative:
I have consolidated my federal educational loans through College Ave as of XX/XX/XXXX. While I am grateful for the opportunity to consolidate my loans, I am deeply concerned about the level of service being provided to borrowers during the global coronavirus pandemic. 

Three months of emergency forbearance ( while interest continues to accrue ) is simply inadequate and downright immoral. 

At the very least, College Ave should align to newly-mandated federal govt policy under the CARES Act : 1. All payments due through XX/XX/XXXX should be suspended immediately. 
2. No interest should be allowed to accrue on loans during that same period. 
3. No negative credit reporting on student loans during the same period. 

Why has College Ave chosen to not align with new federal guidelines on how borrowers should be supported during this time of crisis. With many borrowers facing the loss of employment/income, increased medical expenses, extremely ill if not recently-deceased family members ... how can College Ave in good conscience continue to fleece borrowers? 

My sincere hope is that College Ave revisits and revises its treatment of its borrowers during these unprecedented times. This is a moment in history when companies that care about their customers are set apart from the companies that show an utter disregard for consumers.

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 2020-03-30 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: FL

Complaint narrative:
XXXX XXXX XXXX they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/2019 but they were reporting me past due thru XX/XX/2019. This is a joint account with my husband. We are in the process of closing on a home and because of this our credit score is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: CA

Complaint narrative:
HSBC has reported late payments on this account to my credit report WRONGFULLY, for 8 months in a row when I paid off the balance on the card every month! 
From XX/XX/XXXX till XX/XX/XXXX HSBC BANK reported lates to my credit report erroneously. I have paid off the balance in full every month, have bank statements to prove but HSBC misapplied these payments thus causing lates reported on my credit report .... I have no derogatory credit, ever! This is the only item damaging my credit history and credit worthiness and it is NOT correct. please help resolve this as HSBC is being ignored for a whole year that I wasn't able to reach resolution with them, going in circles from one representative to another with no luck on correcting this mistake of theirs ...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: FL

Complaint narrative:
Due to covid-19 i called lake view loan servicing to see if we can get an differed payment agreement or add it at the end of the loan.the refused and state that i have to pay something even when i notified then that i am out of work about 3 weeks and i don't have any income.other mortgage companies giving up to 90 days. i don ' t know what to do.is not my fault what is happening with this pandemic. i have been following instruction to stop the spread of this dangerous virus.

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 2020-03-30 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: MO

Complaint narrative:
Please REMOVE any and all fraud alerts and statements associated with my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Please REMOVE any and all fraud alerts and statements associated with my credit file.

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 2020-03-30 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:
For years I been wondering why my credit has never been consistent. I never in a million years would of thought that someone else was using my name and social security number to open fraudulent accounts. I pulled my credit and there were many accounts open under my name. It is a real upsetting situation that this has happen to me and the outrageous amount of accounts that have been open or are open. Please remove these accounts from my report. They do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
The origin of this paypal account was the result of a refund from a XXXX gift card that could not be redeemed online. The company indicated that Paypal was the only way I could be refunded, so I opened a paypal account. 

Now to the issue at hand, on XX/XX/2020 at XXXX I received an email from Paypal informing me of unusual activity on my account coming out of XXXX XXXX , CA . 

I knew the transaction was unauthorized, because i had not authorized or requested payment from the paypal account. Upon further review, I realized that XXXX RUB to a foreign name ( I can't even spell using this keyboard ). The email address associated with the transaction was XXXX The total amount exhausted the account of the XXXX dollars that was in there and I was charged XXXX dollar for the transaction. 

I attempted to contact paypal by phone, however due to COVD -19 crisis there were no live operators to help. They instructed me to log into my account. However, I could not log in to my account due to an added authenticator code which I have no idea what it is and there absolutely no way around it without live support. So, I figured I out that I could request a claim for the unauthorized payment by phone. 

The first claim number was XXXX. I received a standard acknowledgement by email stating they would look into the claim and notify me within 9 days. i received a denial with the following reason " We found this transaction is consistent with your paypal history. '' My question is, What history? i never purchased anything with this paypal account and it was only opened for a refund. 

I sent a reply to explain further, but I still only got an automatic response to login to dispute or mail in to request documents. So, I made another claim via phone with the number of XXXX. This time I was denied because they were " unable to the locate the transaction. '' Would you please assist me in having my XXXX dollars refunded. I had not made any online purchases on or before that date using a paypal account that I can't even access. Just for the record, I live in XXXX, IL. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30 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: IA

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove/block the accounts listed immediately.

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 2020-03-30 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: IN

Complaint narrative:
This complaint is a companion to CFPB Complaint # : XXXX-XXXX.

Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy. 
Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.

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 2020-03-30 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: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
American Honda Finance they are reporting inaccurate information to the credit bureaus and I want them to correct it. Last activity was XX/XX/XXXX but they were reporting me as Charge Off from XXXX thru XX/XX/XXXX. I am in the process of closing on a home and because of this my credit score is being affected.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX  just increases your interest. Credit Card services takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and Credit Card Services gets rich.

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 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX  just increases your interest. Credit Card services takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and Credit Card Services gets rich.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX gave me XXXX on a business card then reduced it to XXXX after I had all ready spent up to {$3500.00} on the card. Now I am over 35 % usage which will now damage my credit score dramatically. XXXX XXXX has done the same thing to me XXXX XXXX just increases your interest. XXXX XXXX XXXX takes all you owe and adds it up including your mortgage and then reports you as a risk to the bank, The bank follows thru by reducing your available amount of credit card, the end results is a XXXX score down to a XXXX score reducing you to a risk. I have never missed a payment, In 2008 I was in forecloser I came back after the 2008 '' bank fail '' and saved my home after losing my job, I raised my score to XXXX. These people don't know who I really am, I did all this while raising a family. I don't deserve this. I get hurt and XXXX XXXX XXXX gets rich.

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 2020-03-30 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: IN

Complaint narrative:
This complaint is a companion to CFPB Complaint # : XXXX-XXXX. 
Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy.

Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.

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 2020-03-30 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: IN

Complaint narrative:
This complaint is a companion to CFPB Complaint # : XXXX-XXXX. 
Transunion continues to fictitiously " investigate '' by comparing data with the source who provided it. In fact, according to my report, they CLOSED my CFPB complaint on XX/XX/2020 but did NOT investigate as they claimed they would. 
They continue to update my credit report with " Account information disputed by consumer ( meets requirements of the FCRA ) '' when, in fact, their investigation does NOT satisfy the requirements of FCRA. They have NOT contacted anyone at the respective companies. They have NOT viewed any documentation that proves account ownership. As CFPB may be aware, any company can furnish data to Transunion. Provided the company meets the requirements to report data, they only need to submit the data in Metro-2 compliant format irrespective of its accuracy.

Just because the data furnisher and Transunion have matching information, it does NOT mean it belongs to me or is factually correct. The investigation process is NOT accurate in e-Oscar ; I have demanded and  demanded physical verification of account ownership ; instead, Transunion closes out these CFPB disputes quickly to save face, yet does not do anything to remedy the situation. The letter I am attaching to this complaint will be sent to relevant government organizations. I respectfully ask that the CFPB conduct an independent investigation into the dispute process utilized by Transunion as continuing to reduce my complaint to an e-Oscar code, sending it to the data furnisher and receiving a 'verified ' label in return is NOT a fair or equitable means of verifying account ownership. To date, they have NOT provided points of contact or documentation they viewed to make the determination that their continued reporting of the items attached meets FCRA standards.

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 2020-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: UT

Complaint narrative:
I am a participant in the Public Service Loan Forgiveness Program and my federal direct loans are serviced through myfedloan.org. MyFedLoan.org is currently distributing faulty information about the CARES Act and how borrowers can receive qualifying payments through the recently passed forbearance period recently passed by Congress. I have tried contacting them with no response received.

This is what their website currently states : " Special Considerations for Borrowers Pursuing Public Service Loan Forgiveness or Loan Forgiveness Through an Income-Driven Repayment ( IDR ) Plan The time spent on the emergency administrative forbearance will not count toward your required payment count. '' This is incorrect according to multiple sources and the Consumer Financial Protection Bureau Website. The website upon which that information is housed is here : https : //myfedloan.org/borrowers/covid

Company response to consumer: Closed with explanation