vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JFQ Lending, LLC
State: CO

Complaint narrative:
I received a Report of Available Funds from a company called JFQ Lending , Inc. that looks very much like an official state document, with a file number linked to my state, urging me to respond by a deadline. The fine print notes this is an advertisement but the document will likely fool and defraud many consumers. This is deceptive advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: KS

Complaint narrative:
Hello, This is XXXX XXXX XXXX. I have applied for XXXX XXXX credit card ( CitiBank ) on XX/XX/2021. I got the letter that says I need to submit the following documents in order them to complete the processing of my application : US passport, US voter registration card or US permanent resident alien card. 
I dont have any of those documents yet, I am an international student ( XXXX visa ) who has XXXX and I legally work on campus. Also I am in green card process, but still dont have any card that prove my permanent residency here. 
When I applied for the credit card, I clearly checked the terms and I did NOT find anything regarding that non US citizens or permanent residents cant apply for any Citibank credit card. I got hard inquiry for the thing that Citibank didnt mention in the application, and I need to pay the price of this lack of information of Citibank on its applications. 
I have been had all kinds of credit cards without any issues with my residency and status.Citibank is the lender and its their choice BUT when they dont give any hint and information regarding that non US citizens or permanent aliens cant apply for this card but after applying they tell to the customers, then this is not my problem. 

Thanks.

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 2022-01-11 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: NJ

Complaint narrative:
Multiple accounts on my credit report I do not recognize XXXX XXXX {$3500.00} XXXX  {$400.00} XXXX XXXX {$400.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
Multiple accounts on my credit report I do not recognize XXXX XXXX {$3500.00} XXXX {$400.00} XXXX XXXX {$400.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 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: GA

Complaint narrative:
XXXX 2019 I ASKED THE CREDIT REPORTING AGENCIES TO UPDATE MY PERSONAL INFORMATION USING MY CURRENT MAILING ADDRESS AND DELETE ALL OTHERS THAT COULD BE USED FOR FRAUDULENT ACTIVITIES, I SENT SEVERAL MORE LETTERS REQUESTING THE ADDRESS UPDATE AND VERIFY THE ACCOUNTS ON THE REPORTS FOR INACCURICIES. ALL MY REQUEST HAVE NOT RECEIVED A RESPONCE OR CHANGE OR DELETION OF INACCURATE ACCOUNTS. DUE TO THEIR NEGLIGENCE MY CREDIT RATING HAS BEEN DAMAGED, IT'S BECOME MORE DIFFICULT TO SECURE HOUSING AND EMPLOYMENT BECAUSE OF THE INACCURATE REPORTING OF THE CREDIT REPORT AGENCIES. THEY CONTINUE TO FAIL VERIFIYING ACCOUNTS FOR INACCURUCUES AND THEY HAVE YET TO SEND PHYSICAL PROOF OF THEIR VERIFICATION FOR MY RECORDS. IT'S NOW BEEN 2 MONTHS SINCE MY LAST CORRESPONDENCE AND STILL NO RESPONCE FROM THE CREDIT REPORTING AGENCIES.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX 2019 I ASKED THE CREDIT REPORTING AGENCIES TO UPDATE MY PERSONAL INFORMATION USING MY CURRENT MAILING ADDRESS AND DELETE ALL OTHERS THAT COULD BE USED FOR FRAUDULENT ACTIVITIES, I SENT SEVERAL MORE LETTERS REQUESTING THE ADDRESS UPDATE AND VERIFY THE ACCOUNTS ON THE REPORTS FOR INACCURICIES. ALL MY REQUEST HAVE NOT RECEIVED A RESPONCE OR CHANGE OR DELETION OF INACCURATE ACCOUNTS. DUE TO THEIR NEGLIGENCE MY CREDIT RATING HAS BEEN DAMAGED, IT'S BECOME MORE DIFFICULT TO SECURE HOUSING AND EMPLOYMENT BECAUSE OF THE INACCURATE REPORTING OF THE CREDIT REPORT AGENCIES. THEY CONTINUE TO FAIL VERIFIYING ACCOUNTS FOR INACCURUCUES AND THEY HAVE YET TO SEND PHYSICAL PROOF OF THEIR VERIFICATION FOR MY RECORDS. IT'S NOW BEEN 2 MONTHS SINCE MY LAST CORRESPONDENCE AND STILL NO RESPONCE FROM THE CREDIT REPORTING AGENCIES.

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 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SFMC L.P.
State: TN

Complaint narrative:
In XXXX of 2021 I sold my home and paid off my mortgage with Service First Mortgage. I have been trying to get my escrow disbursement ever since. We have already had to have one check canceled because it never arrived. Servicce First keeps telling us the check is in the mail but we have yet to see it in all of these weeks. Mind you, we have received several other items of correspondence from service first and none of them took more than a week to reach us. Service First refuses to send the check any other way than snail mail. They refuse to put a tracking number on it. I want my money!

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 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
I have made several calls to this company to resolve a debt for identity theft I was sent out a affidavit to sign and ask for a police report. I fax it over to the company back in XXXX at that time was told the police didnt have company name that I would need a new one. On XX/XX/22 I faxed over a new police which is now saying they havent. On XX/XX/22 I spoke with a very nice supervisor which reached out to the team that received the documents to find what was going on I was told to call back later to see if they responded since then I have called back and havent received no help. Today XX/XX/22 I spoke with a very rude supervisor by the name of XXXX where I was told she short staff I either wait for documents to be uploaded or pay the bill cause there nothing else she will be doing. I believe that was very unprofessional and rude her job is resolve the issues and do what they can to help customers I dont feel she was doing so. But moving forward due to her I rudely behavior I dont believe this company is taking the appropriate steps to clear up this account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
During COVID-19 period, I was unable to make payments for the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. 

The communication about payment assistance was not communicated properly to me and I only became aware that I can apply payment assistance in XX/XX/XXXX which I did. 
However, there was missed payment remarks left onto my loan for the 5 months mentioned above. XX/XX/XXXX was done incorrect as there was a payment assistance already on the account. 
Given Covid-19 impact on my life, I was unable to make those payments. Since then, the house was sold, and the mortgage was paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am a XXXX  in NY and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft

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 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: OK

Complaint narrative:
I opened an account with Conn 's Home Plus on XXXX for I think {$9800.00}. I have never been 30 or more days past due on the loan, but have been past due and paid all the past due fees. In XX/XX/2021 I was offered a concession payment of almost {$800.00} and was advised that the payment would allow the account to show " paid in full '' on credit report and that the account would be closed. I made a payment of {$310.00} to avoid my account going 30 days past due on XXXX and advised that day that I would call back in a couple days to do the concession payment. I called back on XXXX and spoke with a woman who advised they wouldn't still honor the concession offer that was given to me a couple days prior so I made an additional payment on XXXX for {$450.00} for a total payment of {$770.00}. I was advised at the time of my 2nd payment that my account would be closed and be " paid in full. '' My account has yet to be closed and is still showing a balance and past due status. My account will report 30 days past due tomorrow and this should not be happening. I have been in contact with Conn 's Home Plus in XXXX, XXXX, and now XXXX to get this issue fixed. I have been told multiple times by their teams that the situation will be forwarded to the " resolutions team '' and that I should get a call back or email once it is completed. I have yet to hear from anyone from the Resolutions Team. I have also talked to the Conn 's Home Plus collection department via phone and email and assured this situation will be fixed, and again, no call back or verification of resolution. This is unacceptable as I did what I was asked to do and agreed to do with the concession payment and they have not held up their end of the agreement. I know their phone calls are recorded and have been told when I speak with a member of their customer service team that all the correct notes are in my account o make sure that the issue is resolved. I am very upset that this is now going to report to my credit and it absolutely should not be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: WI

Complaint narrative:
I took out a loan from XXXX XXXX to finance a XXXX XXXX XXXX. In XX/XX/XXXX, the car was damaged and in XXXX XXXX XXXX XXXX said it was a total loss and issues a check to XXXX XXXX, the lean holder. XXXX XXXX returned the check to XXXX  XXXX saying it had to be made out to a different name from whats on the lean. XXXX XXXXXXXX re-issued a check. Meanwhile, all this time XXXX XXXX is reporting I am behind on payments and missing payments and it has affected my ability to refinance my home or purchase a new vehicle because my credit score went down XXXX  points. I have called the company three separate times and no one is able to help. They said they have not number for the total loss department when I called and asked for someone. I asked for a supervisor to call me back and no one has called me. I have filed a dispute with XXXX XXXX on XX/XX/XXXX to dispute the actions on the account and the amount of the debt. It should be zero and it's affecting my credit really bad.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 am a XXXXXXXX  in NY and IM trying to relocate to XXXX and I had a mortgage broker pull my credit and there are somethings there that are not mine. I have been a victim of Identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: NY

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against 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 non-monetary relief
Consumer complaint received 2022-01-11 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:
Experian on several ocassions knowingly reported inaccurate and false information on my Experian credit report..On XX/XX/2021. Experian responded to the XXXX the XXXX XXXX Bank account XXXX is not being reported on my Experian credit report. However on XXXX 2021 i receiced a copy of my Experian Credit report file # XXXX that reported this illegal information on my credit file. ( see enclosed CFPB complaint and the Experian Credit report. This a clear violation of the FCRA 611 A ( 1 ) A Re investigation of Disputed.

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 2022-01-11 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: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I cosigned for a loan from Bridgecrest with my daughter in XXXX 2021. THe car was totalled in XX/XX/2021 and the insurance paid Bridgecrest over {$12000.00}. THe balance is to be paid by XXXX through a GAP insurance policy and Bridgecrest was aware of this. XXXX and Bridgecrest both are very slow processing payments and claims. Out of nowhere without warning, I received a credit alert that my score dropped more than 40 points for a 30 days late payment from Bridgecrest after they have received {$12000.00} from the insurance company. Bridgecrest is aware that the car is totalled and XXXX is processing the GAP insurance policy that was submitted XXXX XXXX, 2021. I am trying to refinance my home and this practice from Bridgecrest has hurt my family and I seriously during this time of Covif pandemic and I am a XXXX XXXX. I need my credit report fixed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have had only one credit card and it is paid automatically in full every month on its due date. With no warning my credit limit was lowered from {$30000.00} per month to {$8000.00} and my credit therefore overdrawn. I was refused credit and had to get money from my daughter to buy needed items even the food I purchase by the week during covid, etc. The bank informed me that my credit score with XXXX was only XXXX and therefore Fifth Third could no longer grant me credit limit of {$30000.00} and had no interest in my situation. This was on XXXX XXXX. I immediately contacted XXXX and they told me that my credit score on XX/XX/XXXX was XXXX. I was in the midst of a new loan, XXXX Bank took over XXXX, This became almost a game. XXXX told me my XXXX score on XX/XX/XXXX was XXXX. XXXX told me my score on XX/XX/2021 was XXXX. 
I was turned down for a home equity loan, My credit limit on my charge card request for a higher limit was refused. The banker said that this was not the reason for the refusal but I do not understand how FifthThird and XXXX could get numbers from XXXX that are not the same as the scores they send to me and I do wonder how to regain my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX of 2020 an unknown person opened a XXXX account and used my credit card information. This individual racked up nearly {$500.00} in charges on this XXXX account across multiple transactions. 

I opened a dispute for each of them believing the ordeal was over because no further correspondence was received. 

If you look at the shipments associated with the fraud they were not sent or received in the state which I reside or any other transactions for my credit card had been used further suggesting fraud but Citi ignored this. XXXX responded to the chargeback stating that per the XXXX terms and conditions I was required to report fraud within 15 days or accept the charges. Citi failed to properly notify me of the response and accepted the explanation that a 3rd party accepting the XXXX Terms on a new account should bind me to the XXXX Terms and Conditions Citi accepted this response and applied multiple charges to my account effectively reversing their conditional credits. I was later told that I didn't receive notice via mail due to being enrolled in Paperless Billing. If I go to the Citi Dispute Center most of the chargebacks don't show up and none of them show the outcome. 

This is deceptive trade practices designed to give merchants the ability to use automatic chargeback responses as a way to get a small percent of charges to stick. Citi in turn unfairly profits from the fraud. 

XX/XX/2020 - XXXX - {$48.00} XX/XX/2020 - XXXX - {$1.00} XX/XX/2020 - XXXX - XXXX XX/XX/2020 - XXXX - {$36.00} XX/XX/2020 - XXXX - {$370.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: GA

Complaint narrative:
Asked for a verification of debt, was provided with verification. The debt does not belong to me, as I have never lived in the state of Florida and can provide bills verifying my residency in Georgia for the last decade.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Abra
State: OK

Complaint narrative:
Per a publicly advertised promotional offering, I signed up for a new account with Abra and provided them the same information Ive provided many other such companies that has been fully vetted and for which there has ever been any issue. Furthermore I attended a video presentation required for the promotion and pasted my particular account number in the comments section for the video for which I should have received a promotional offering of cryptocurrency. After viewing the video, the company shut down the account, as apparently they did thousands of other people, and stated via customer service weeks after I filed support requests that they would not honor the promotion in any way, shape or form for me. The company refuses to provide any rationale why they did this and they refuse to work with me and many other customers to remedy the issue. Complaints have been submitted with the California attorney generals office as well as the XXXX XXXX XXXX in XXXX XXXX against this company and the company has responded to none of the complaints. Furthermore the company states on their website and social media a 72 hour response time related to submitted issues however they took several weeks to respond to any of the tickets I submitted regarding this issue which made trying to remedy the issue nearly impossible because the promotion had a particular time limit addresses to it. I believe this action was deliberate on the part of the company. 

Lastly, several of the email threads between me and customer support have been forwarded to both the CEO and CEO of the company to try to get some resolution because customer service claims they can do nothing about this issue and they refused to provide any reason why this happened or provide any remedy despite the fact Ive pointed out to them that their actions are both negligent, bad faith, injurious, and fraudulent. 

Given the lengths Ive gone to to communicate these issues and try to resolve this issue with the company, its clear their actions are being done very deliberately and something needs to be done regarding the issue that affected me and thousands of other customers as can be seen anecdotally on numerous websites where this company advertised the promotion and customers later complained their accounts were also frozen and the company refused to honor the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation