vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
Experian Credit Bureau continues to " Block on line access '' after changing passwords " twice '' Experian has " changed phone numbers to an old no service " number. Account updates were in XX/XX/XXXX and again today XX/XX/XXXX Experian still continues to input " old phones '' as contacts, therefore " Blocking on-line access. 
Furthermore Experian Credit Bureau continues to " OVERRIDE the system '' to " LOWER FICO SCORE by as much as 20-30 points different then the other major credit bureaus and making changes to my account personal information, contact information and email address.

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 2021-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
XX/XX/XXXX Santander called and sent me an email offering to defer two car payments to the end of my car loan. They further advised I would be responsible for the interest due to the deferment. 


XX/XX/XXXX, I confirmed with the representative there would be no additional payments taken based on the deferment agreement and that any payment pending draft was cancelled. 

XX/XX/XXXX I electronically signed the deferment agreement, the deferment was for the XXXX and XX/XX/XXXX car payments. My next due date was to be XX/XX/XXXX. 

On XX/XX/XXXX Santander illegally, drafted my checking account for a car payment {$490.00} This unauthorized draft compromised by bank account, because I have other bills scheduled to be paid, via my XXXX internet services. I am a remote worker from home with my daughter whom attends virtual school due to COVID19. 

I can't believe Santander would do this ... This is illegal and in violation of the Fair Debt Collection Act deceptive practices. 

I want this payment refunded back into my back account immediately and I want a letter of apology from Santander, I will also remove my bank account information from their website and at the time I make my car payments I will XXXX XXXX the money or money gram. 

Santander is required to consider this a cease and assist from drafting my bank account going forward. 

I have attached the following 1. Signed Deferment agreement showing XX/XX/XXXX and XX/XX/XXXX to be deferred with my next due date of XX/XX/XXXX 2. bank history page which shows the illegal draft {$490.00} taken on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: AL

Complaint narrative:
XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by Transunion credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to 2002, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from Transunion is inaccurate when XXXX list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX  demographics. 

The loan is dated XX/XX/XXXX, with application # 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 2021-01-09 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: EQUIFAX, INC.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by XXXX credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to XXXX, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from XXXX is inaccurate when XXXX  list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX demographics. 

The loan is dated XX/XX/XXXX, with application # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX refused to extend me a personal loan # XXXX for XXXX based upon the following reasons provided by XXXX credit reporting agency : ( 1 ) Limited credit history. ( A ) This is incorrect. My credit history dates to XXXX, therefore it can not be limited. ( 2 ) Excessive new debt. ( B ) This is incorrect. All new debt has been paid in full. The only current debt I have is a Credit card ( XXXX ) and a car note ( XXXX ). There is no new excessive debt on my account. ( 3 ) Serious Delinquency. ( C ) No accounts on my credit report are delinquent. ( 4 ) Too few account paid as agreed. ( D ) This is incorrect. All of my accounts have been paid as agreed. XXXX XXXX XXXX XXXX failed to provide a counter-offer. A XXXX credit score from XXXX is inaccurate when Experian list my score as XXXX. It appears that this credit denial is not based upon credit but XXXX demographics. 

The loan is dated XX/XX/XXXX, with application # 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 2021-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: NC

Complaint narrative:
On XX/XX/2021, I was at work and expecting my Stimulus deposit. I got on my Chime App and chatted with a representative. I asked them, when was my deposited be posted. 3/5 minutes later, I get an email, stating my account was closed. I havent did anything wrong and I havent used my account since that following Saturday. No fraudulent activity was made and I was able to go into my account, until I asked about my deposit. I do believe a Chime employee, was or did steal my money. I had {$1800.00} in my Savings account and I was suppose to get {$1800.00}, stimulus deposit, the same day. I contacted Chime and they promise me, they was going to expedite my check to me. Now, as of today, the email me again and said, I have to wait 30 days to get my check bc of Covid. Theyre holding my funds and want release them. I had told them that I cant pay my bills and I need my money. They promise me, I will get my check printed and expedited. I have the emails. Now, theyre telling me I have to wait. I dont know what to do. I now, not only have my money in my savings, I dont even have access to my Stimulus money as well. They just keep lying to me. I did nothing wrong for my account to be closed. I just want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: VA

Complaint narrative:
I was contacted by Loan Depot about refinancing my current loan in XX/XX/XXXX. I spoke with them and decided to put in an application which included a {$20.00} fee for them to pull my credit report. The charge hit my VISA card on XX/XX/XXXX. I was told the process would take 2 months or less. 

In XXXX, I received another call from Loan Depot where they stated that I could receive a lower rate. I told XXXX ( the sales rep ) that I had a pending application from XXXX and he told me that it had been " cancelled '' because no loan takes two months to close. He offered me a lower rate and I agreed. He told me that since my loan was cancelled, I would have to pay another credit report fee to get the new rate. I disagreed, but permitted him to move forward so that I could get the better rate. A second charge of {$20.00} was placed upon my VISA on XX/XX/XXXX. 

XXXX called me later and admitted he made a mistake, but I would still be eligible for the lower rate on my original loan. I still have his message recorded. I later came into contact with XXXX XXXX, Production Manager, who said he would honor the lower rate and provide a refund of the second credit report fee charge. 

After not receiving the refund, I contacted Loan Depot 's Customer Service and left a message requesting a refund. I received an email response from XXXX XXXX Customer Care Representative, but have never received my promised refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Conn's, Inc.
State: CO

Complaint narrative:
I financed a tv a wall mount and a XXXX XXXX all in one touch screen desktop thru conns I paid an additional XXXX to XXXX dollars for property insurance 4 days after the initial 1 year warranty the desktop began to malfunction I disputed with conns for more than I should have had to get issues resolved but gained no resolution then I had to go out of state for work when I got back on XX/XX/XXXX I found my house broke into my renter insurance advised me that they would not cover the items from conns as I had insurance through them so I began that process with conns it took them over three months to even start on the matter they wanted me to fill out adjuster paper work despite not being an adjuster they advised me in XXXX ( XXXX XXXX to not make payments on acct and they would not be reflected on my credit then the began making negative reports against my credit then their mitigation department started to call and email daily demanding a payment for XXXX for the wall mount of which I only had half as the other half was attached to the tv that was stolen then they reviewed the acct I got a call from the company customer relations department and was advised that the original finance amount was XXXX and to date I had paid XXXX of that on XXXX XXXX they got a check from life of the south the insurance company ( the insurance company on my original purchase is XX/XX/XXXX ) # XXXX for the amount of XXXX and that conns told me they would send me a check for XXXX for the products which doesnt cover anything not replacement not reimbursement nothing then I got an email stating that on XX/XX/20 they mail a check for XXXX which again does not even come close to covering the XXXX I paid for these products that 0werte faulty to begin with its like I am being robbed all over again and I am still out a tv a wall mount and a very expensive desktop insurance papers says that they pay to conns and conns is supposed to either replace the items or give you money back I do not want to replace the items thru conns I dont ever want to use conns again but I do want my money back I called a lawyer they said that I have a case but conns typically likes to drag things out for years and years and often for so long that people drop the case as they can no longer afford the cost of continuing with their legal pursuit. They reported negatively on my credit and are robbing me of the money paid out

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Dear CFPB, I have filed numerous disputes with Experian, XXXX, and XXXX starting in XX/XX/2020 about information that is reflected on my credit report showing my closed account with XXXX XXXX as 90 days delinquent which is false information that has hurt my credit report dearly as result. This information was disputed because my account with XXXX XXXX was closed in XX/XX/2020 and the balance was sold to XXXX XXXX XXXX on XX/XX/2020, and yet in spite of this XXXX XXXX has been reporting late payments to date which has caused a closed account to go into delinquent status which is nonsensical. Per Fair Credit Reporting Laws, the creditor which has closed my account and no longer owns the debt can not report to my credit bureaus my account being in delinquent status. Experian, XXXX, and XXXX has not acknowledged this and has continued to allow XXXX to hurt my credit.

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 2021-01-09 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was issued a Goverment Bank of America debit card on XX/XX/2020. On XX/XX/2020, I started to call the bank 's customer service several times to make sure that card was on it's way and was assured that it was on its way and probably delayed. I never received it. After speaking to customers service on XX/XX/2020. I was told that the card was being used and there was only {$9.00} on the card. She immediately put hold on the card and issued me a new one. I was transferred to claims and was on hold for hours until the phone just hung up. It took a week for me to finally get through to claims. When I spoke to claims they put in a fraud claim and I received a letter that the bank stating it was fraud and will debit the money back into my account for the sum of {$19000.00} that was stolen. I continued to follow up with bank and was told by claims several times that the money is being processed and it takes some time and to keep checking. I was checking and calling getting the same answer saying my money will be deposited. Then I received a letter date XX/XX/2020 from bank that there is no error and I won't receive my money. No explaination or proof why. So I called several times to speak to speak to a supervisor and they will not help. I requested all the notes, transcripts and paperwork showing me how I am liable for this. Supervisor was even suppose to call me twice and no call. The workers are incompetent and could have caught and prevented this if they did their job or had better training and just looked at the account. The bank did not do any investigation or check cameras at bank for the perpetrator that used the card at its Atm 's. Please help?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-09 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: CITIBANK, N.A.
State: MN

Complaint narrative:
On XX/XX/XXXX I've purchased a product from a third party on XXXX for {$960.00}. After 30 Days, the product was not delivered, so I tried multiple times to get it. After 15 days I gave up, bought a similar product in another place, and cancelled my order with XXXX. Because it was an expensive item, and the third party vendor didn't act in a reliable way, I've open a dispute on Citi Double Cash Credit Card. 

Initially, Citi gave me a provisional refund, after I sent the documentation from XXXX proving that on XX/XX/XXXX the money was refunded back to Citi 's Credit Card. For my surprise after 15 days of their " internal investigation team 's '' work, the refund was removed from my account. 

After that we started a monthly process were I called them again, resent the proof, got the provisional refund and that it was removed again. This has been dragging since XXXX. 

On XX/XX/XXXX this {$960.00} was paid in full along with the rest of the credit card 's balance. In the attempt to get my money back from Citi, once XXXX did it's part, I was able to get the banking transaction ID and sent it to Citi Double Cash Credit Card on XX/XX/XXXX. 

It is unbelievable that Citi doesn't have a single place in their website or e-mail to place a complaint. Either you chat online with a robot that takes you nowhere, or call the XXXX number to get the same result over and over again. 

Citi 's dispute process has proven to be so inefficient and not consumer friendly, that I've decided to place this complaint with the CFBP that is very well respected, hoping that we can get a quick and friendly resolution.

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 monetary relief
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — Store credit 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: CITIBANK, N.A.
State: PA

Complaint narrative:
Last Fall I received a bill from Best Buy. I had finished paying for my computer over a twelve month period. But they were charging me for something! It turned out that they renewed a service contract on that computer without telling me they were going to do this. I called the company, told them I did not want the contract and they agreed to " take care of it. '' I continued to get bills, so I called again and complained. I told them I wanted to close the account since they had not followed through on the previous call. I continue to get bills saying that I owe them money. I called the bank which services their accounts. They referred me back to Best Buy. I called again and made sure they closed my accounts. Again they said they would take care of it. Now II find that even though the account is closed, they still claim I owe them a balance due and have reported this to the credit agencies. I disputed this through XXXX  which recognized that the account is closed but accepts Best Buy 's word that I still owe a balance ( perhaps for whatever time elapsed from the " renewal '' of the contract and my finally getting the account closed ). I do not believe I owe them any balance for something I did not authorize. I want them to remove this from my credit report, the only negative item listed there.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Dear CFPB, I have filed numerous disputes with XXXX, Equifax, and XXXX  starting in XX/XX/2020 about information that is reflected on my credit report showing my closed account with XXXX XXXX as 90 days delinquent which is false information that has hurt my credit report dearly as result. This information was disputed because my account with XXXX XXXX was closed in XX/XX/2020 and the balance was sold to XXXX XXXX XXXX on XX/XX/2020, and yet in spite of this XXXX XXXX has been reporting late payments to date which has caused a closed account to go into delinquent status which is nonsensical. Per Fair Credit Reporting Laws, the creditor which has closed my account and no longer owns the debt can not report to my credit bureaus my account being in delinquent status. XXXX, Equifax, and XXXX  has not acknowledged this and has continued to allow XXXX to hurt my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
On XX/XX/XXXX, while placing an order at Amazon, I was offered a {$50.00} gift card if I applied for the Amazon Reward Visa Card, offered by Chase. This was an instant application which asked for almost no information.I was immediately turned down for the card with no explanation and told that I would not receive information for 30 days. Attempts to find out why through both Chase and Amazon have gotten nowhere. There is no way to appeal or provide additional information to get this overturned. 

I am self-employed and have sufficient average income. I have always had excellent credit, never missed a payment on anything, no derogatory remarks, and usually have a score in the XXXX. My score with both credit bureaus was XXXX at the time, primarily due to higher balances on my credit cards while income has been low while starting a business and slowed business due to the pandemic. I am currently making payments of far more than the minimum to catch up. My home mortgage was modified several years ago because I had been forced into a high interest, balloon double mortgage by a XXXX XXXX scam, but this again should not be a reason to deny a consumer credit card. 

I can see no reason due to credit, payment history, or source of income that I would be denied this card. In fact, XXXX had just doubled my XXXX XXXX XXXX account limits when I needed an emergency car repair. 

The only other sources of confusion may be that I have credit card bills going to both my legal address and a friend 's address where I am staying during the pandemic because mail at my home is often lost or stolen. But again, this is not a valid reason to deny credit. 

The only other potential reason an instant credit check may cause issues is that I do have an extra check on my credit due to an identity theft issue with my ex husband over 20 years ago. But this should lead to the company asking me for additional information or taking more time to process the application, not turning me down with no explanation. 

I would like to know why this application was denied within a week and be given a way to provide whatever additional information that would lead to granting the card. I really don't need another credit card, but through this denial I am being denied perks available to others on Amazon.

Company response to consumer: Closed with monetary relief