vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Date : XX/XX/2021 Amount : {$4500.00} I tried calling the issuer of the XXXX  Unemployment Card ( Bank of America XXXX about why they get my unemployment card closed which they have no positive responds. I tried sending out my unemployment money in the unemployment card to an authorized third party and the Bank of America got my card closed. After several callings and provision of all required information they still can not uplift the lock on my card.

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 2021-05-14 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: DISCOVER BANK
State: PR

Complaint narrative:
I have been trying to have a kind of Loss Mitigation alternative for my Discover Credit Card since hurricane Maria, back in 2017. They have no alternatives available at all! They just deferred some of my payments but charged me high interest fees. I continued my paynents with a lot of struggle. My minimum payment is almost a car payment. {$350.00} and I stopped using the card for years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
This complaint is about the 3 bureaus that have been disregarding my disputes for several months now. They have been denying and rejecting my complaint as well as believing that I am not the one sending disputes. They just find every little way to avoid the claims I have about this inaccurate and unverified information that they keep posting in my report. I reach out to you in hopes that they would finally decide to remove the inaccurate information from my credit report. Thank you and hope to hear from you soon!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: VA

Complaint narrative:
On XX/XX/2021, XXXX XXXX conducted a inquiry to my credit report for the sole purpose of refinance my mortgage. Key findings from this inquiry demonstrated that the credit bureaus deluded their updates. I am tired of living under the shadows of credit inaccuracies and prolonged delays in updating records. Specifically, with XXXX XXXX XXXX XXXX 's perpetual financial oppression to XXXX and XXXX minorities. 

XXXX XXXX XXXX continues to misreport my payment history ( see attachment # 1 ). Credit reporting agencies are culprit by refusing to properly update my file. These economic disparities are affecting my ability to access better interest rates, economic opportunities of refinance and roadblocking financial pathways to freedom ( i.e. : XXXX 's economic repression and enslavement ). 

On XX/XX/2021, a second request for investigation was sent to Equifax, XXXX  and XXXX XXXX see attachment # 1 ). On or around XX/XX/2021 investigation results were mailed and updated ( see attachment # 2 ). The results showed on-time payment history. 

I am frustrated with inequities of a fragmented reporting system that caters to financial organizations rather than consumers. I hope the Consumer Financial Protection Bureau enforces measures that protect consumer like me. Consumers who have been neglected by credit reporting agencies and whose interests are not in line with corporations or banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HUNTINGTON NATIONAL BANK, THE
State: IN

Complaint narrative:
In XXXX I spoke to the forbearance department of Huntington bank about struggling to pay my mortgage at that time so they allowed me XXXX, XXXX and XXXX forbearance of my mortgage and it would be added on end. So I checked with them in XXXX and said I will start paying in XX/XX/2021 again and they said they would be sending papers for me to sign and I never received them. In the mean time I saw an XXXX report saying I was in foreclosure. Today I received a message to call Huntington about my mortgage account so I did and the lady said I owed 3 months of mortgage and when am I going to pay it? I told her I had 3 months forbearance and she said I see that now let me get you to them and the guy gets on and says how can I help you and I told him the lady sent me to you dont you guys communicate? He said that there will be papers sent to me and I told him you told me that months ago. I am submitting this complaint because number one they put it on my credit report and two they have been very unprofessional in the handling of the whole forbearance. I am sure I could of gotten a few more months of forbearance but they explained nothing to me. I know its been hard times for all but it seems like the honest people get the shaft. Plus by that credit report dropped my score down and I would not of known had I had not been working on my credit restoration. Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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 have an account I opened with XXXX XXXXXXXX on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted XXXX XXXXXXXX by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from XXXX XXXX until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from XXXX XXXX to this complaint. ) I received an email from XXXX XXXX Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that XXXX XXXX did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher XXXX XXXX is required to provide proof to justify this reporting all I received was a canned response. 

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so XXXX XXXXXXXX to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights. 

I also contacted XXXX XXXX by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.

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 2021-05-14 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 have an account I opened with XXXX XXXX on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted XXXX XXXXXXXX by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from XXXX XXXX until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from XXXX XXXX to this complaint. ) I received an email from XXXX XXXX Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that XXXX XXXX did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher XXXX XXXX is required to provide proof to justify this reporting all I received was a canned response. 

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated. 

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so XXXX XXXXXXXX to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights. 

I also contacted XXXX XXXX by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: AR

Complaint narrative:
I have an account I opened with XXXX XXXX on and around XX/XX/XXXX. Around XX/XX/XXXX while submitting an application for financing for business I was notified by the bank representative that unbeknown to be me on XXXX and XX/XX/XXXX I was late on the student loan payment. 

I Immediately Contacted XXXX XXXX by phone first to see what this was all about and also to determine why I was not notified by phone or mail regarding this matter. I did not receive any correspondence from XXXX XXXX until XX/XX/XXXX I received a letter stating that they investigated my dispute and everything was accurate with NO explanation or supporting evidence as required by law. 

Then on XX/XX/XXXX more than 30 days from my initial request to investigate this inaccurate reporting. ( I am attaching the response from XXXX  XXXX to this complaint. ) I received an email from XXXX XXXX Executive Office stating that they are in receipt of the dispute and they will be getting back to me. Some of the concerns that XXXX XXXX did not resolve with my dispute request are : 1. I was not notified of the negative item reporting as required by FCRA 623 ( a ) ( 7 ) 2. FCRA 623 ( a ) ( 8 ) gives me the right to dispute information directly with the furnisher and the furnisher XXXX XXXX is required to provide proof to justify this reporting all I received was a canned response. 

NOTE : FCRA ( FACTA ), consumers now have the right to go directly to the original creditor and ask for proof of negative information. In addition, court case opinion No. 00-15946 CV-99-00290-D.C. by the US Court of Appeals 9th Circuit, Nelson Vs. Chase Manhattan, the court ruled that the creditor has the responsibility to investigate and make sure that correct information is being reported to the bureaus, and that the consumer has a right to sue under the FCRA, should his or her rights be violated.

3. Under the Care Act student loans were all placed on deferment. I am not sure if this is a public or private loan but I believe the spirit behind all Americans at the time was to help one another get passed this unfortunate time so XXXX XXXX to not even inform me about this late and continue to report to frivolous unverified derogatory account is a clear violation of my rights. 

I also contacted XXXX XXXX by phone numerous time I was told my account was transferred to XXXX XXXX XXXX Ext XXXX who has promised me on 3-4 different occasions that she will get back to me and still has not. 

This inaccurate and misleading derogatory has affected my ability to obtain funding and continue to support my business.

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 2021-05-14 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: FL

Complaint narrative:
My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through Transunion, XXXX  and XXXX but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. Thank you.

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 2021-05-14 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:
My credit report shows that XXXX XXXX XXXX is reporting that I missed auto loan payments from XXXX - XX/XX/2020. This is false. I have receipts and statements to prove I never missed these payments. Through XXXX secured messaging, a representative stated an ACH payment was only rejected on XX/XX/2020. However, I was unaware, nor did I authorize this. This false report has completely destroyed my credit score and it needs to be removed. I have already contacted XXXX and made disputes through XXXX, Equifax, and XXXX but I have not gotten any results from the disputes. Please assist so I can eventually obtain a credit score that allows me to properly finance a vehicle. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 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: NY

Complaint narrative:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

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 2021-05-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I have a XXXX XXXXXXXX XXXX since XX/XX/XXXX. I made two purchases : {$100.00} and {$13.00} totaling {$110.00} to which Target added a {$25.00} late fee charge. I did not receive communication stating the amount was due from Target until the first week of XX/XX/XXXX nor did I get telephone call. I tried to make a payment of {$140.00} using American Express. They asked for the checking and routing number INSTEAD OF the DEBIT CARD NUMBER which I supplied to them to make the payment on all of my previous orders. I find out today that the {$140.00} amount was not accepted and they applied ANOTHER late fee for a total of {$170.00} XXXX {$55.00} in late fees ). I called and spoke to four customer representatives of Target, one of which I tried to make the full payment of {$170.00} but was told " the logo for the card did not pop up '' so payment could not be made. I tried paying online and they still had " This is an attempt to collect a debt '' on my sign in page and asked for my checking and routing numbers. Had to call customer service to unblock my being able to enter my debit card number to make payment but they did not do so. I believe they are going to try to charge another late fee of {$29.00} and I REFUSE TO PAY THEM ANYTHING BUT THE {$110.00} that is owed. This is pure ROBBERY!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-14 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
To whom it may concern, I have a charge off from KOHLS DEPARTMENT STORE that is still listed on all of my credit reports. 

I called several times regarding this and was told by KOHLS DEPARTMENT STORE company this would be removed from my credit report. 

I just checked again today and currently XX/XX/XXXX and it is still showing up from ( KOHLS DEPARTMENT STORE ). I would like this updated and removed from all 3 credit report agencies ( XXXX XXXX, and XXXX )  as they had promised. 

Card Detail : KOHLS DEPARTMENT STORE Opened XX/XX/XXXX ( 6 yrs, 7 mos ) Closed XX/XX/XXXXThank you for your time, efforts, and assistance in having this removed, I am grateful.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Why is there a statute of limitations if it is not being followed? 
I have notified your company several times, the following SIX LOANS WHICH TWO ARE DUPLICATES LISTED ON MY CREDIT HAVE A DLA FROM WHEN I LAST PAID 7 YEARS AGO. WHY ARE THEY STILL ON MY CREDIT? 

I consolidated many years ago. These companies didn't validate or verify anything.

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 2021-05-14 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: NY

Complaint narrative:
I checked my credit report and it is showing inquiries that are not mine. I repeat! these are not mine. I have no recollection of doing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: ROBINHOOD MARKETS INC.
State: IL

Complaint narrative:
On XX/XX/XXXX I contacted Robinhood broker company.

I let them know that my account have been locked out and that i needed access to it.

i had no change anything ( nor my username or password ). however, i was no able to log in from anywhere.

I contacted Robinhood several time through all my different emails to give me access. I sent repeated emails from

3 different emails i have. they contacted me via email and said they had received my message but it would take 1 - 3 day to ge
t back to me. meanwhile, I noticed there was money transaction taken out of my checking bank account that is linked to my Robinhood trading account. 
i reported this again. they contacted me next day to ask me to upload photos of my identification. I did upload them same day. Next day someone else contacted me asking me to submit photos from my other emails. I did upload them again. To this point my Portfolio had several PUSH options that i had left open Friday afternoon. the stock market crashed Monday and Tuesday XXXX XXXX XXXX My options should have been in great value but of course i had no access to my account. 
On Wednesday someone from Robinhood contacted me sending me credentials for log in to my account. 
an email that was no mine. that email was : XXXX and my user name ( this was correct ). 

i reported that the email was no mine. i received their reply that they would send my case to higher customer assistance ( this was on Wednesday ). today is Friday and no one has contacted me yet, and i have sent several emails asking for an update.

my bank account was withdrawn another {$3000.00} today that i had not authorized and used towards Robinhood transactions. I had to block my bank account for any purchase or withdraws, especially from Robinhood.

I do not understand how serious Robinhood is about people 's safety and their credentials. 
someone hacked my account and use an email as XXXX I have exhausted contacting them. 
They do no have a phone number that allows you to speak directly. 
I need an immediate solution to this problem.

Company response to consumer: Closed with explanation