vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: FREEDOM FINANCIAL NETWORK
State: MT

Complaint narrative:
on Friday, XX/XX/2021 I received yet another notification from Freedom debt relief stating they are unable to negotiate a debt because of inaccurate information. 

Freedom Debt Relief has been handling both my dad and my debts for a little over two years now. most of the time they wait till there are funds in the account to negotiate with the creditors. But those debts have been either written off by the original creditor and placed into collections. Now I know the debt collectors have bought the debts from the original credit for pennies on the dollar. I feel they have not kept their end of the deal on several occasions now and act as if they are saving us money but in fact, negotiating with a debt collector instead of the original creditor was not our arrangement. when we contact customer service e are given the runaround and then are contacted by a reputation manager who has verified that were have been misled when they claim they can not do anything without the proper account information. How are we to know what the account information is with the debt collector they are supposed to be on top of those things and after two years we have not gotten anything pertaining to any debts. In my opinion, this is all a breach of contract for the mere fact that when we agreed to let them handle this business we were under the impression that they would handle everything yet when I have previously filed a complaint they try to get us to accept a loan from their sister company to resolve the debts I am not comfortable taking out more loans to pay off these debts when they are supposed to negotiate settlements. That sounds like a nice hustle to me. please advise

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: MUTUAL OF OMAHA MORTGAGE, LLC
State: NJ

Complaint narrative:
On or around XXXX XXXX I submitted a request through XXXX XXXX to solicite offers about refinancing my existing mortgage. I was contacted by XXXX XXXX, XXXX XXXX # XXXX and Co NMLS # XXXX, from Mutual of Omaha Mortgage. After discussing the various options that were available, a cash-out refinance was the best option for me. He requested a credit check and various documents which I consented to and provided on XX/XX/2021. After submitting them, XXXX called and we discussed the next steps that needed to be taken and was provided with loan # XXXX. He would review and submit the information to underwriting for them to review, after which he would reach out to me with an update. By the end of XXXX, I reached out to XXXX because I had not heard anything from him by emailing him at XXXX. In the email I requested an update from him and for him to contact me about the application/loan because, per the app I was told to use, it was listed as " File started ''. I never received a call or email from him nor any response from anyone at Mutual of Omaha Mortgage. After a couple weeks, I deleted the app from my phone and didn't pursue the matter further because of the hit on my credit from this. 
In early XXXX I updated my phone and the app was loaded back to my phone. On a whim, I logged in just to see and the status had changed from " File started '' to " Conditional Approval '' with the comment " due to high volume, we will be in touch in a few days ''. I was shocked because nothing was provided to me stating a status change occurred. I then proceeded to email XXXX again for an updated but no response was provided. I checked reviews and someone in XXXX also stated he doesn't respond which seems to be the standard. I also sent an email to Mutual of Omaha through their website stating there is an issue and to be contacted to resolve it- either going forward with this or cancelling it, anything, which is better than being in limbo.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: PA

Complaint narrative:
I am XXXX XXXX XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Despite sending them the last complaint, dated XX/XX/XXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my accounts and need to remove from my Credit Report : XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX XXXX XXXX-XXXX-Balance $ XXXX-Date Opened : XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
XX/XX/2021 1 ) XXXX XXXX ( XXXX  ) 2 ) JPMCB Auto Finance ( bank ) 3 ) XXXX XXXX XXXX XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: VALLEY NATIONAL BANCORP
State: NJ

Complaint narrative:
XX/XX/2021 1 ) XXXX XXXX ( bank ) 2 ) XXXX XXXX XXXX ( bank ) 3 ) Valley NTL BK XXXX ( bank ) 4 ) XXXX XXXX XXXX- ( finance/personal ) - ( XXXX ) XXXX I purchased a vehicle from a car dealership called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX on XX/XX/2021 ph ( XXXX ) XXXX ( I'm financing ). 

My credit report was ran multiple times from these banks separate from the dealer 's. After leaving messages with the dealership for help, I didn't get a return call. I only consented XXXX XXXX XXXX XXXX to run my credit once, so I'm disputing these other inquiries. 
XXXX XXXX XXXX XXXX never asked me for my permission to run my credit more than once.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Opted into a 0 % promo APR on a credit card, at the time had automatic payment set up for the entire statement balance - after that payment came through switched to just the minimum payment, and 2 months later received a 'minimum interest charge ' on my statement, yet the " Interest Charge '' Table in the statement showed {$0.00} balance was subject to interest. 

Actually, all values on the table are {$0.00}, so the information is completely incorrect. Spoke with a representative about why I had a charge, she was kind and patiently sorted it out. Because I had made purchases before the autopay of statement balance was paid, there was a {$25.00} minimum payment applied to purchases subject to 0 % APR, and not those prior to the promotion starting ( in other words, they applied the first {$25.00} to the 0 % purchases ). This is a common practice, but seems also deceptive in its own right ( intending to cause financial harm ). The agent said they would waive the fee, so I am happy with that part of the resolution. 

The bigger issue here is that every statement includes misleading or incorrect information about balances subject to interest charges. This needs to be fixed. If I had seen there was still {$25.00} subject to interest I would have paid it off immediately, and I can only imagine how other customers are being affected by this erroneous data.

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 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NE

Complaint narrative:
Hello, I have disputed a hard inquiry made on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX phone number XXXX via chat message with XXXX XXXX directly who redirected me to XXXX via phone number XXXX who then rerouted me to their credit card fraud/ identity theft line which does not allow the reporting of identity theft or fraudulent activity. I also disputed this incident directly with Equifax as it is the reporting credit agency that presented the information to me. The dispute was determined to be verfied by the creditor without ever contacting me even though a freeze was placed on my credit as well as a fraud alert. Other credit reporting agencies were able to process my dispute and come to a decision to delete the hard inquiry from my credit report as the individuals behind them attempted to open several accounts and to secure several personal loans in my name on the same day. Equifax and XXXX need to do a better job of verifying an individual applying for credit and also for resolving disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: HI

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hey, Hope all is well. I was looking through my credit report and noticed some inquiries that were never AUTHORIZED. I never gave these companies my personal information or the authority to obtain my personal information on their own. They are in violation of FCRA 15 U.S C Section 1681. How did you get this information? I have tried contacting the credit bureaus and no one was able to help me, I was just being pass around to the department. Please investigate these bureaus and have them delete these fraud accounts from my report. Attached is my ID and my report I filed for identity theft because these accounts were not mine. Have them remove these. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
These accounts are not mine. According to USC 1695 and FCRA along with FDCPA rights, any unauthorized and fraudulent activities must be removed and blocked from reporting to my credit reports. I have attached documentation of the letter that was sent to the furnishers on XX/XX/2021. They are still contacting me and this was shown up on my Equifax credit report. I will sue them if they continue to collect debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: MI

Complaint narrative:
I have some unauthorized inquires on my TransUnion credit report that I want removed immediately. The details are included below. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 2021-10-22 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: PA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Vital Solutions, Inc.
State: FL

Complaint narrative:
This company is contacting me regarding auto debt. I spoke to them on XX/XX/21 when they called from XXXX. When I spoke to them, they said that I spoke to them on XX/XX/XXXX and confirmed the debt belong sto me and that my auto insurance should have covered the amount. This is a false claim. My phone records show that I received a call from a XXXX phone number on XX/XX/XXXX, which I now know any call that shows up as " Potential Spam '' with the same first 6 digits belongs to this conpany, but I did not answer. According to 15 USC 1692e of the Fair Debt Collection Practices Act, A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. This company has clearly violated this section.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: TX

Complaint narrative:
Equifax, XXXX and XXXX have to ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. 


To the best of my knowledge this accounts listed in letters attached are reporting inaccurate and the credit bureaus have failed to maintain reasonable procedures in investigating these accounts On XX/XX/21 please be sure to enter dates that all letters were sent. 

Due to no response for more than 60 days I would like these accounts removed from my credit Report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
I received a summons today to appear in court against XXXX XXXX located in XXXX Tennessee. I previously filed a complaint against them. I paid off any checks I had with XXXX XXXX and the check that they are trying to collect on was made out to XXXX XXXX loans. I wasnt informed that XXXX had sold out to Cash Express. I found that XXXX XXXX was ordered in 2018 to pay restitution to consumers of XXXX. I never got any of that money. Im physically able to appear in court. Im on Social Security and XXXX years old. I have learned that Cash Express was barred from filing court action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: NC

Complaint narrative:
COMPLAINT BASIS : I am having severe issues with a Collection Company that has been attempting to collect on a debt that I am NOT LEGALLY RESPONSIBLE for paying. It may have even already been paid by the Responsible Party involved.

My name should NOT be involved regardless.

The Collection Company involved has been repeatedly notified via multiple Credit Reporting Disputes of this situation & refuses to correct it.

Now, on a least one of my Credit Reports they have RETALIATED against me for filing a Fraud Dispute against them, by then literally DUPLICATING a Collection originally posted under a different Collection Company name ( which they may even own ) under their OWN NAME as an Additional Collection Account with literally the SAME Account Number, Amounts, Original Creditor, etc. but strategically changing just the filing date numerals to DEFEAT the Reporting Companys computers from identifying the clearly intentional duplication. The Credit Reporting Company involved even identified this.

This Company believes it can violate Federal and/or State Regulations at will, & attempt to retaliate/ intimidate consumers trying to get them to comply. 
Therefore, I am filing a Federal Complaint against the Company involved, to make your Agency aware of their improper, threatening tactics, in order for ALL appropriate corrective actions to be enacted against them, so that ALL consumers are protected from them. I reserve the right to also file State level action/s with the Attorney Generals Office as well. 
BACKGROUND : I suffered a severe fall with permanently disabling injuries ( including an amputation ) THROUGH NO FAULT OF MY OWN at a Restaurant due to a defective step, No Warning Signs, & no lighting. 
The XXXX  involved & their Insurance Company were LEGALLY RESPONSIBLE for paying ALL my Medical Bills from the Incident as part of their Settlement to Avoid Lawsuit. 
All the Bills were Submitted to the XXXX & its Insurer, by my Attorney, including the Bill/s in question. Bills were clearly paid by the Insurer. Why these were not credited paid or attached to me since I am NOT THE LEGALLY RESPONSIBLE PARTY is clearly incorrect. 
DOCUMENTATION : I have attached copy of a Letter from my Attorneys Office ( XXXX XXXX XXXX, Attorney XXXX XXXX XXXX, XXXX, NC XXXX ) attesting to & fully detailing the foregoing. The Attorney can verify the accuracy & truth of this Letter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have been trying for weeks to get my account in order. PNC bank is ruing my credit and causing financial harm to my credit and family!!!! I was hung up on and denied my account information for over a week. I have been denied a loan because of the inability of the bank to provide needed docs for me to complete the loan process. I am suffering from from every angle. They have XXXX managed funds in my account my account is all over the place. I can not get access to my account as need or deposit or pay bills in time due to this bank! I did not ask for this buyout from bbva to pnc. I am suffering financial i loss and this is a huge injustice! I am a single parent they are taking from my family and causing harm that is unwarranted and would not have happened to me of my account was not interrupted by this bank transition. I need help Im looking for legal representation at this time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
someone committed fraud by using my credit by going through AWA COLLECTIONS and also through XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-22 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involve. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX  Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation