vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
On XX/XX/2020 I contacted Thunderbird Collections to negotiate a settlement and a delete request from the credit report. I explained in writing to XXXX XXXX that this debt is something I do not feel should be on my credit report as it is showing as an eviction amount. I purchased a mobile home and three months later the mobile home collapsed due to an undisclosed termite infestation. I was then evicted from the mobile park, and was given a bill to have the mobile home removed from the mobile park. I refused to pay the bill, as the cause of the house collapsing was due to the termite infestation. Approximately a year later, I had a debt on my credit report by this property company for an eviction amount. On XX/XX/2020 I offered to pay {$1600.00} to have this permanently removed from my credit report. 

On XX/XX/2020 XXXX from Thunderbird Collections, who I only recognized his voice based on our conversation the previous day, called my cell phone. XXXX did not announce who he was or identify himself at all or that he was calling on behalf of Thunderbird Collections. XXXX proceeded to speak aggressively, stated that he was not going to contact XXXX XXXX XXXX to negotiate the debt, but he threatened to put a judgement and garnish mine and my ex wife 's wages if I did not pay the full amount by the end of today. XXXX hung up the phone after I said that I would be contacting his manager, XXXX XXXX to discuss his inappropriate behavior. 

On XX/XX/2020 just after XXXX hung up on me, he contacted my ex wife 's place of employment and demanded to speak to her. The office staff notified him that she no longer works there, as he was being aggressive and threatening. XXXX did not identify himself and the office staff feared for my ex wife 's safety and did not give out any information or acknowledge that she works there.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: GA

Complaint narrative:
My student loans are reporting incorrectly on transunion and on XXXX  credit reports. I have disputed many times for them to delete this account off my credit report due to inaccurate information. They refuse to delete the account. According to the fcra incorrect information on a credit report should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: GA

Complaint narrative:
My student loans are reporting incorrectly on XXXX  and on experian credit reports. I have disputed many times for them to delete this account off my credit report due to inaccurate information. They refuse to delete the account. According to the fcra incorrect information on a credit report should be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I attempted to temporarily lift my credit freeze with Experian today. 

I attempted without my PIN first and it denied me. I attempted with a PIN they denied me again. 

I have a timely need by a rental agency to guarantee my daughter off-campus college housing. They only use Experian. If it is not done in the next day or so, she loses the housing. 

I tried calling Experian to unlock it. I went through the IVR, re-entered my PIN. The system denied me again and told me I have to mail in documents which will take several days to do. 

I have a timely need by a rental agency to guarantee my daughter off-campus college housing. They only use Experian. If it is not done in the next day or so, she loses the housing. 

They have no option to speak with a human being. 

These companies have too much power and are totally unaccountable for the damages they do.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-11-03 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: Alorica Inc.
State: GA

Complaint narrative:
Im a XXXX XXXX Veteran. I took a Loan out with the Original company named XXXX. In XX/XX/XXXX, A company named SST took over and changed name to SST XXXX. Since that Time, they have ruined my credit. After the first six months of SST taking over they did not report any Monthly Payments the any of the Credit Agencies. I called over 40 times to get this resolved. It never took place. Then Covid-19 hits the country and My family is affected Directly. I call and ask for assistance and they make me send in Medical records for my mother as verification. Then tell me they will let me know within 7 days if I am approved for relief. Then about 3 weeks later I call and they tell me I was approved and I needed to make a payment. I had made a payment on the previous month already. They never gave me the relief and ruined my Credit. Finally when I missed a Payment they reported it to the XXXX XXXX. I settle my account with them on XX/XX/XXXX. They have yet to report to my Credit Report and have not update thier account. This Company is a FRAUD AND NOT LEGIT. IT IS A RIPOFF AND SHOULD BE INVESTIGATED! 


XXXX XXXX XXXX XXXX XXXX VETERAN

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I tried to open a business account from Bank of America. I was informed an account was closed in 2007 and could not provide me any details as to why. 

The representative informed me, they don't have the data and could not provide me any details on the outcome of the closure. I very concerned as to why I don't recall any closure from over 14 years ago.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: ASSURANCE FINANCIAL GROUP, LLC
State: TX

Complaint narrative:
We started with Assurance Mortgage for our Mortgage Refinance on XX/XX/2020 with XXXX XXXX XXXX, and was locked in for 45 days. 45 days pass and nothing is getting done due to COVID. XXXX goes to another department without letting us know, so they give us XXXX XXXX on or about XX/XX/2020. He tells us we will have to pay {$7000.00} for a rate lock extension or wait another month to rate lock., and he was unsure why XXXX gave us a 45 day rate lock instead of a 60 day. This is NOT our fault, as it is the company 's fault for taking so long. Due to the horrible communication with us during the process, we decided to go with another mortgage lender. We canceled our loan on XX/XX/2020. We did not feel comfortable with assurance handling the next 15 years of our life ( or until they sale it to someone else. ) We needed a transfer of appraisal and Assurance sent THE WRONG address and information to the new mortgage company. This has to have been a Violation of personal information, and negligence for them sending the wrong information. NOW we still are fighting with them through the process. Still dealing with the appraisal transfer, now their compliance department will not allow it. WE PAID FOR IT. They are holding our appraisal hostage. This is against the law.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: H. Kent Hollins, Attorney at Law, P.A
State: MI

Complaint narrative:
On XX/XX/XXXX, we received a letter related to a notice of unpaid judgement with Account # XXXX. This was the first letter we have received, with little to no information about the reason for the debt. After multiple calls and emails with the debt collection agency, we found out this was related to a bad check written in XXXX, in the amount of {$14.00}. We were not aware there was insufficient funds in the account, and the first time we hear of this debt. We called the agency several times to negotiate paying for anything we owed regarding the principal, we offered to pay a settlement of {$200.00}, they wont respond to our calls or emails. We have escalated several times, and they do not return our calls. They are trying to collect over {$810.00} for a check in the amount of {$14.00}. We can not even get information related the first correspondence or the statute of limitations. They demand we provide them a SSN and other personal information to discuss the case with us. 


They also claim we sent them a money order for {$44.00}, which we do not recall ever sending.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: WA

Complaint narrative:
There are multiple numbers calling at all times of the day trying to collect on Navient student loans, calling on people whom they'll never get paid. Do they know that the job market is desolate for women with children, as employers don't want to hire women in their homes caring for children, as evidenced by a video interview on XXXX XXXX featuring a women who was discriminated against for children crying in the background. The job market has less jobs than people looking, and the job growth numbers are stagnant as per the XXXX XXXX XXXX XXXX. The many women who've stopped looking for jobs indicate job market deterioration per the XXXX XXXX XXXX. There are next to no daycare services, and schools are closed because of the Covid-19 plague. These companies like Navient know this, but they keep attempting to pursue collection activities knowing they won't collect. There are numerous complaints online on phone number verification sites such as XXXX about a " XXXX '' and others who keeps leaving messages from this company. One such number received on my cellular was XXXX. These collection activities couldn't be pursued at a worse time with unprecedented stress levels, and are inciting violence. These collectors must throttled to prevent more shootings, riots, and beheadings, acts which are occurring all over the world and a byproduct of economic collapse. I'm a student loan holder and graduate of XXXX XXXX XXXX, 2006, which was recently closed due to government fraud. I'd applied for a Borrower Defense due to their inability to provide me with the quality of education I'd paid for, and it seems per recent email communications to my email address, that failed. I'd also received a letter about a class-action lawsuit from the Department of Education, but I'm not updated on its current status. I'm also following XXXX in hopes student loan holders, and especially those victims of XXXX XXXX XXXX, will soon be released from economic responsibility for payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: FL

Complaint narrative:
I made a payment to my amerihome Morgage However the payment was not taking out in time. I was not notified about the situation.when I realize later I had them take the payment right away as this was a mistake. This has been hurting my ability to get a new loan and take advantage of the wonderful low rate they have now. Please assist me and getting this resolved ASAP. 
Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
XXXX denied credit to me on XX/XX/2020 with explanations that not evident on my Experian credit report which they sighted as reporting the information. I have tried to contact XXXX and Experian with the phone numbers provided, but neither company makes contact available to consumers other than automated lines with choices that do not apply to my problem. What recourse do I have?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I was scam by a company saying is was another company and was charge in 6 cards. and received Drugs and fake goods. Police was involved and chase is still charging me for the transaction XXXX, XXXX XXXX and XXXX XXXX no issues but chase is supporting the fraud company claim number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: General Motors Financial Company, Inc.
State: CA

Complaint narrative:
They have this account charged off - they show it in collection and there is no collection as they can not collect on this debt. It is from a criminal matter and sent them the District Attorney letter and the restitution order - which is useless as the criminal is XXXX and won't be able to satisfy the restitution to me and other victims. The problem is two fold ... they need to update the status so that the balance is not picked up as current which has been the case with other creditors, and they refuse to send me a 1099-C so the balance can be brought to XXXX which is of course, as you know is my legal right. They need to show it closed they need to send me a 1099-C so that I can rent an apartment. There are XXXX in charge off 's and most of the creditors even if they don't really want to will have to send me a 1099-C and bring the balance down to XXXX which will help me not end up homeless. They are doing this for spite.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First Federal Credit Control, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I took the annual physical exam and as a part of it I took anXX/XX/XXXX test ( XXXX examination, XXXX  ). 
My insurance was supposed to pay for the whole exam but due an error of the company where I took the XX/XX/XXXX( they sent a wrong code of the exam to the insurance company ) they sent me a bill. 
At the moment I received the bill I called my insurance and they explained me what was happening. At that moment, they asked me to wait over the phone and they called the medical company. I had a 3 party conversation over the phone with my insurance agent and a woman from the medical company. After all deliberations, my insurance agent explained us that I don't have to pay for this bill because it was an error of the medical company and at that moment they were out of time to fix that error. The woman from the medical company accepted the explanation. After that call they stopped sending me those bills, but on XX/XX/XXXX they started again sending those bills. I called the medical company again and they told me that it was an error but few days ago, I received a letter from a Debt Collection Company due this bill. I called again the medical company and they told me that they were to cancel the collection process ( they told me over the phone that they just sent the cancellation process ) but it is not true, I just called the collection company and the process is still active. 
Here are all the info I have regarding this : Debt Collection Company : - First Federal Credit Control, INC - Phone number : XXXX Medial Company : - XXXX XXXX ( XXXX XXXX ) / XXXX XXXX, XXXX - XXXX XXXX, XXXX is the company in charge of the billing of XXXX XXXX, and is the one I have been talking. 
- Phone Number : XXXX ext XXXX - XXXX  ( The manager ) - Last invoice received on XX/XX/XXXX - Service taken on XX/XX/XXXX Insurance : - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 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: FL

Complaint narrative:
There are numerous accounts listed on my credit report that I have no knowledge of. This was a result of malpractice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
I HAD AN ACCOUNT WITH NEWREZ- SHELLPOINT MORTGAGE SINCE XXXX. THIS YEAR THEY APPROACHED ME WITH A PROPOSAL TO REFINANCE SINCE THE INTEREST RATESARE LOW. I AGREED AND WENT THROUGH THE PROCESS OF REFINANCING. I COMPLIED WITH EVERYTHING THAT THEY DEMANDED AND PAID FOR THE MONTH OF XXXXMY NEXT PAYMENT WILL START IN XX/XX/XXXX. THE CLOSING WENT THROUGH ON THE XXXX OF XX/XX/XXXX. SINCE XXXX I HAVE HAD A BI-WEEKLY PAYMENT ARRANGEMENT WITH THEM WHICH THEY ADVISED ME TO STOP SINCE WE JUST REFINANCED AND A NEW PAYMENT RATE WILL BE SENT TO ME. I THEN WENT AHEAD AND STOPPED THE BI-WEEKLY PAYMENT WITH NEWREZ-SHELLPOINTON THE SAME XXXX OF XXXX THAT I DID THE CLOSING.SURPRISINGLY NEWREZ-SHELLPOINT STILL WENT TO MY BANK ACCOUNT OF XXXX  XXXX  XXXX XXXX XXXX AND TOOK UNAUTHORIZED PAYMENT OF $ XXXXAND SENT MY ACCOUNT INTOBALANCE AND SO FAR A PENALTY FROM THE BANK TO THE TUNE OFF {$100.00} IDID TRY 14 TIMES TO RESOLVE THIS MATTER WITH NEWREZ-SHELLPOINT TO REFUND THE UNAUTHORIZED AMOUNT AND THE PENALTY FROM THE BANK AND THEY KEPT GIVING ME THE RUN AROUND. TO MENTION A FEW NAMES THAT I SPOKE TO WERE XXXX, XXXX, XXXX, XXXX XXXX XXXX. ALL THESE PEOPLE KEPT ME THE RUN AROUND SOMETIMES ON THE PHONEFOR OVER ONE PHONE FROM ONE PERSON TO ANOTHER.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NH

Complaint narrative:
On XX/XX/2020 I found out that Bank of America closed my two accounts - both checking and savings without notifying me the reason of closure. I hold about {$70000.00} in both accounts collectively. All my life savings are in these two accounts and now the bank keeps saying that my account is under review and they wont release the funds until the review is complete. I have reached out to several agents within Bank of America, but nobody is giving me a deadline on the funds release. All they keep saying is that it is under review and not completely closed. I don't care, I need my money. I have no money to pay bills, pay my rent. I also signed a home contract on which i had to make a {$70000.00} down payment on XXXX XXXX and all of that is now stuck. I want to Sue the bank no matter what. The people working on this from the financial institution are - XXXX, branch manager and XXXX XXXX - Senior VP and these individuals are completely useless.

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