vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sensible Auto Lending, LLC
State: PA

Complaint narrative:
On or about XX/XX/XXXX I called Sensible Auto to inform them that my job has shut down due to the COVID-19 pandemic. My car payment was due at the end of that week. I was told that I should try to make the payment. I explained to the CSR that I couldnt make the payment because nothing was open in my city. The next day I received a call from Sensible Auto about my payment, I explained the same thing, my city is shut down, I cant make the payment right now, this CSR tried to imply that I was fired from my job, my job was secure, my job was shut down due to the COVID pandemic. For 2 weeks I went back and forth with Sensible Auto about my payment. I was told by another CSR that I should have been saving money for emergencies like this. Another CSR told me that if I surrender the vehicle my credit would be shot and I wouldnt be able to get anything in my name for next 7 years. I told them I was NOT holding the vehicle hostage and it is sitting in front of my house, if they wanted it, they could come and get it, after 2 weeks of bickering back and forth I had, had enough. I was informed on XX/XX/XXXX by another CSR that they would be coming to get the vehicle because they could not wait any longer for payment and that it would take approximately 7-11 days before they could come and get it, because my city is shut down ... .like I informed them 2 weeks prior and everyday up to this point. The next morning at XXXX XXXX., I went to gather my belongings from the vehicle and it was gone already. I tried numerous times to get a hold of someone at Sensible Auto, to find out where the vehicle was taken so that I could retrieve my belongings, and I didnt receive any responses. My mothers ashes were in my vehicle along with other items that I needed. No one ever returned my messages, but they were sure to mail out a deficiency letter. Had Sensible Auto waited a couple of more weeks I could have made the payment with the stimulus check that I received. I dont feel like I should have had my vehicle taken during a pandemic, and I dont feel as though this should be on my credit report, as I had no control of the COVID  pandemic, or my job shutting down.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: GA

Complaint narrative:
I have filed two different times a complaint against equifax, equifax placed a fraud alert on my credit report without my consent, I did not ask equifax to place anything on my credit report, they did not ask my permission I want the fraud alert alert removed, equifax phone system when you try to call does not always gets you to a person that can help you, I have been hung up on, I want this FRAUD ALERT taking off my credit file, equifax stil has not took all the inquiries off my report either, this needs to be corrected by equifax, please have equifax remove this fraud alert as I did not give no one permission to add this to my file .abd the inquiries that is still on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: AL

Complaint narrative:
I have a loan with DEPTEDNELNET. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting all 3 bureaus and DEPTEDNELNET with no successful resolution. All 3 bureaus are reporting me late. There was definitely an error on their part. I was never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Aargon Agency, Inc.
State: NV

Complaint narrative:
I have a loan with XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX WATER DISTRIC ) and AARGON COLLECTION AGEN ( Original Creditor : NV XXXX XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX WATER DISTRIC ) and AARGON COLLECTION AGEN ( Original Creditor : NV XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-08-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Im filing a complaint against Experian, I want the inquiries removed from my credit file, every time I call constantly transferred, and I want any fraud alert on my credit file removed as I have not gave anyone permission to add a fraud alert, and please remove these four inquiries off my file, I also found out that Experian has had a data breach I went on FTC website and checked my information my information was exposed by Experian and this needs to be corrected by experian i did fill out a claim for the data breach, please remove these four inquiries and any all fraud alerts on my credit alert, j will attach a FTC identity theft report to this complaint and screen shots of the inquiries. 

My information was breach by Experian they need to give free credit monitoring for them breaching my information and please remove all the inquiries and any fraud alerts or any negative accounts being reported on my file, not the good accounts, negative accounts and inquiries

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 2020-08-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: GA

Complaint narrative:
I keep calling loan depot but i never get through I am trying to get forbeance on my loan payments for my home

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAC Financial Corp
State: AL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WAKEFIELD & ASSOCIATES, INC.
State: AL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
My wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.

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 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was checking my credit score on XXXX XXXX and noticed they reduced my credit limit from XXXX to like XXXX. I have been on my account monthly more than I am supposed to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have filed a dispute with Experian to accurately correct two accounts, the dispute was completed marked as resolved, and to date the errors are still showing on both accounts. Each account was paid in full and closed in XXXX though my credit report still shows no further reporting history since the time before the account closed. I have also contacted each lender directly who confirmed the accounts have a XXXX balance and was reported to each credit bureau including Experian as such. 
Under the FCRA, both Experian as the credit reporting company and each lender are responsible for correcting inaccurate or incomplete information in your report. It has now almost been 4 months since both lenders initially reported to Experian and roughly 45 days since the dispute has closed to no avail. Please contact each lender directly to verify. 
I urge you to expedite and remove this disputed record within the next 15 days as I am in the process of financing a new vehicle and applying for a mortgage where both will be affected by the inaccuracies still listed on my report.

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 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Convergent Resources, Inc.
State: AL

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hillcrest Davidson & Associates
State: NC

Complaint narrative:
XX/XX/2017 my husband passed away. After he passed away there were multiple break-ins into my home. During one of the break-ins I was assaulted. XXXX security was running a special {$42.00} a month for one year and I get a free key pad. The representative came to XXXX XXXX XXXX XXXX XXXX XXXX to install the alarm system but he didnt have the contract with him. I was informed that I would receive one via mail. I signed an e-pad stating that I received the installation. The alarm system didnt deter the intruders. I moved out of my home with my daughter due to safety concerns. I continued to pay the monthly bill although I hadnt occupied the home. I sold my home 7months later after the home sat dormant without break-ins. I still continued to pay the XXXX bill although the home no longer belonged to me. I called ADT on multiple occasions to discuss the situation concerning lack of safety in the home, the fact that I was not occupying the home, I attempted to work out something fair to both parties. I was met with rude representatives. I was bounced around from rep. to rep. with no resolution offered. XXXX sent what I believed to be a one year contract to a debt collector as a {$1500.00} debt. I called and spoke with a supervisor named XXXX. He refused to explain how the debt was calculated. He was very rude towards me and told me that he didnt have to speak to me. This excessive debt was placed on my credit report creating financial hardship and false depiction of me as a consumer. How can I resolve a situation in which the debtor is refusing to provide info about the debt and refusing to be fair concerning the nature of the debt? Could you please mediate this situation for resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I have or had a bank account with navy Federal Credit Union. I opened the account earlier this year. I recently had identity fraud on my credit and resolve in police enforcement. I am rebuilding my credit in retrospect to the damage incurred from the identity fraud. I have other lender accounts. During this pandemic and lack of work I have been collecting unemployment. Earlier this year a job offered me income for business development that I do with my ITIN and file taxes accordingly. The check bounced and the bank repremanded me by charging off my card. One check of three bounced the other two cleared. I don't have a safe stay at home scenario during this pandemic. I have stayed in hotel 's reasonable and the hotel charged my card XXXX XXXX and XXXX fir a two day stay. Navy Federal Credit Union has reopened my card access with conditions in XXXX. Then recently as last week I spoke with someone from the credit union about these miscellaneous items on my bill. They agreed it seemed I was being fouble billed for misc stuff after a cyber attack from a XXXX  computer tech visiting. We happened to  communicate with them on this topic and baby Federal credit my card as these charges weren't specified. This week I notice three charges from good XXXX and one totalling XXXX and two at XXXX and XXXX on the same day. I also reminded them of a false claims to XXXX on my card twice from an online vender. 
The credit union ask for reference in email which supposedly claims that I was obligated contractually to the vender. Navy Federal Credit Union removed the items and my card without notifying me. I called later that night because my card declined a XXXX balance. I called them night before last and they said the security office was closed. Call back in the morning to reactivate my account card. I did so and was told my card is closed and not eligible for reactivation or replacement because of a deposit in may on my check that didn't clear I didn't receive any revenue from. 
I just want to notify the bankers Association that when I try to survive I'm confused because the bank I invested in with a credit union. Wants to punish me instead of advocate for my account security. They want to justify closing my account and refusing access to my income. Mind you I pay for my living situation during a pandemic. I am XXXX  yet again. Sleeping on streets where my wallet or other personal information will be exposed to theft. 
They claim I'm at fault out of state ID and weird charges on my account. 

Great day for justice and banking XXXX XXXX direct line XXXX Office

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
We are currently paying {$280.00} monthly into our escrow. Annually that is a total of {$3300.00}. NewRez pays our County tx biannually in the amount of {$1400.00} which equals a total of {$2900.00} for our taxes. Also our XXXX XXXX Home owners Insurance is also paid in the amount of {$820.00}. Total amount paid out in Ta xes and Home Owners Insurance is {$3700.00}. The Annual Escrow Disclosure statement show a Shortage of  {$290.00} up until XX/XX/2020. However, if our balance for taxes and home Insurance is {$3700.00} - our yearly escrow payment of {$3300.00} our remaining balance owed is {$360.00}. 

Here is the discrepancy : they are showing an Escrow shortage of {$1200.00}. Why???? even if they have a so called Cushion of  {$620.00} as shown on the Escrow Disclosure I can not justify having a Shortage of {$1200.00}. In addition to the fact that in the month of XXXX we paid out {$870.00} Mortgage payment and {$1900.00} which was supposed to be an escrow shortage payment. Now here it is XXXX and once again we are facing another escrow shortage payment. Why??? Also, there is no explanation for the " other fee payment ''. What does this other fee payment mean??? I have tried to resolve this numerous times by calling in but as you know no one in this company is accountable for anything. No one can explain to me what are these other fee payments. 

It is this Mortgage companies bad practice not to make anyone accountable for any information given. I have several emails from NewRez they all come from a General Email box with no contact name. It is so sad that this PATHETIC MORTGAGE THIEVES are allowed to exist. 

I need to know why are we constantly behind in payments with this Mortgage thieves when we are constantly paying out money to them. Notice that you will not find one missed payment but yet we are behind not sure how this happens. We have MASSIVE documentation to show our payments throughout the entire time this mortgage has been transferred. 

This is a recurring issue with NewRez and it really does not help that our Mortgage has been transferred numerous times. Apparently in the process of transferring our Mortgage accurate payment history is NOT transferred.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
My wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.

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 2020-08-29 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: NV

Complaint narrative:
My wife and I information was exposed in a credit bureau data breach and we recently noticed that there are multiple accounts on both our reports that do not belong to us. I have filed a police report, filed identity theft, and disputed them with all three credit bureaus and they have not done anything about it. This has caused my credit to be in despair and I should not have to pay for something I never authorized or opened myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I have a loan with AMEX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, and AMEX with no successful resolution. XXXX, XXXX, and XXXX reporting me late. There was definitely an error on their part. I was never 30 days late ( XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 ), also I was never 60 days late ( XX/XX/2019, XX/XX/2019 ), lastly I was never 90 days late ( XX/XX/2019 )

Company response to consumer: Closed with explanation