vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IN

Complaint narrative:
i was told by my current mtg company XXXX that I was put on a do not call list and I believe I even sent them paperwork with my payment as requested. I am still receiving calls aand was and was told now that I have to mail them a cease and desist letter to accomplish .is this this, is this correct? my acct is and always has been current and the calls are for marketing and XXXX party marketing. the company is Nationstar Mtg in Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Threatened to take legal action
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
On XXXX XXXX XXXX received an e-mail from XXXX XXXX XXXX from Nationstar Mortgage stating they needed an updated award letter for my XXXX payments so they could complete my request for a modification.. I sent the document back by e-mail on the XXXX of XXXX. 
On the XXXX XXXX at XXXX I received a call from Nationstar stating that request for modification had been denied on the XXXX and that my house was in active forclosure but a sale date had not been set yet. I could avoid it by sending them {$62000.00}. 

Today at XXXXI received another call stating the same thing except the caller wanted {$54000.00}. This caller told me she was calling from the XXXX 's, no wonder we can never get ahold of our dedicated loan specialist. 

Since I was still engaged in my request for a modification on the XXXX of XXXX, How could they have gone through all the legal requirements in two days to have my house in active forclosure status, and be scheduling a sale? 
I believe that this an abusive tactic from Nationstar in violation The New Jersey Fair Debt Collection Act bill # S410 and the federal Fair Debt Collection Practices Act Pub L.95-109. 

I believe that this is an ongoing practice of this company and since they record all their phone calls they should be able to supply you with a transcript of these calls. 

This company should be investigated into their business practices and be made to be held accountable. 

I am in the process of contacting an attorney to initiate civil action against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: MN

Complaint narrative:
I can not get a mortgage rate quote from a mortgage originator without a credit report. Each credit report counts against my credit rating. This makes it practically impossible to shop around for rates and products.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Constant late notice letters/phone calls from lender when payment made before XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
These accounts need to be deleted because they are not mine and they have not been validated. I have disputed these accounts with Experian numerous times. The response I get back is that the information has been 'verified '. I contacted each one of these collection agencies and I never received a response from the collection agency to 'Validate ' the account. With that being said I am sure that Eperian did not get a verification from the collection agencies pertaining to the collection agencies on my credit report that do not belong to me. XXXX is not a way to verify an account. I requested there '' method of verification '' meaning who did the physically talk to at the collection agency. I want to know what paperwork Experian have showing that this account was validated and verified. The person they spoke with, what department, what day and time, and the paperwork they have showing ownership of the collection account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Experian they r very disrespectful people, I did dispute collection this is 6 times, I ask them prove to me thet the XXXX XXXX XXXX, they r providing any proves to you, no respond they r very very disrespectful, I did XXXX letter send them proves, XXXX XXXX XXXX XXXX they could n't prove the debt to me, how they prove that to you experian, I talk to them over the phone also I give them tracking number thet XXXX collection agency they received my documents to provide me withe prove no respond from collection for 8and half month, and how come you experian do n't prove to me, I send them letters proves they ignore them, I threatened them withe law sued they start to XXXX XXXX, so that shows you how careless people they r and how they disrespect r constitutional rights

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 2016-09-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This is not a duplicate, I 'm asking for Experian to remove the late payments off XXXX account XXXX. It has been over 7 years from, the delinquency date which is XXXX 2009. I would like the late payments removed from the account, not remove the account as you seem to think I asked.

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 2016-02-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I specifically wrote experian to erase wrong information on my report. results show residence-deleted, telephone-deleted, employer-deleted. but all wrong personal information still shows in the last page.

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 2017-02-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Please remove XXXX from my collection and any another areas that it is showing up. It is flagging as an eviction when really it was a collection for XXXX is preventing me from renting, and was dismissed with my bankruptcy.

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 2016-01-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted multiple disputes with Experian regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. With every dispute the status of the acct got worse culminating in XXXX when this fully paid and closed acct showed up with an Open - Collection status which caused me to be denied for credit by XXXX ( inquiry on XXXX XXXX, XXXX ) due to " recent or current delinquency ''. Experian finally corrected the status of the acct to Paid, Closed but NOT the Payment History where it shows a " C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid, closed. I called XXXX XXXX who insisted they report correctly. As it stands now, I ca n't even file an online dispute with Experian. I do n't know the reason and it is not stated when they reject me from filing a dispute. I also called Experian who blamed it on XXXX. I filed XXXX complaint XXXX against XXXX XXXX who responded on XXXX XXXX XXXX with a letter ( attached here ). Based on this letter it is clear that Experian is at fault for willful negligence in not removing the Collection mark for the month of XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I subscribe to Experian and on XXXX I received an email from them notifying me that my credit score had decreased to XXXX from XXXX or XXXX points. The agent I spoke with said it was for high revolving credit usage. I saw this on my credit report and it concerns me. My XXXX credit card record shows that this account is paid in full every month and that I have never had to pay any interest on this account. They have this information since they do keep a credit file on me. My bill was due on the XXXX of XXXX for about {$500.00} but I paid the complete balance of {$730.00} earlier on XXXX which is what I do every month. 
Since they have the information of my payment history with this one and only credit card account that I have why would they be so quick to use a term such as high revolving credit usage to drop my score XXXX points? They do n't react as fast to raise a score. Since their credit scoring formulas assume so much in determining scores why would they not assume that I am going to pay in full on or before the due date as I always have in the past. XXXX assumes this because they have raised my credit limit on this card from {$500.00} to {$2500.00} in just the last few months. I want my score left alone when there is really no activity deeming my score be decreased. I think they should be fined when they make this kind of stupid unwarranted decision.

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 2016-03-18 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My date of birth is wrong on my credit information and it is not allowing me to use my credit or get my credit report. I have sent a comment email to annualcreditreport.com but I dont know if they can do anything. How do I get this fixed immediately? How will this continue to affect my credit?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XXXX I called Experian to request a persistent Dispute remark to be removed from my credit report. Ive called numerous times and keep getting the run around. Ive requested to speak to a manager and have been denied the right to speak to one. They have basically told me to go pound dirt. Ive had to call XXXX and XXXX to have the persistent dispute notations removed and they were kind enough to remove the persistent dispute notations the same day. Im trying to get a mortgage and currently going through under writing. The under writer cant write a loan with persistent dispute notations. I feel Experian is holding my credit report hostage to a Persistent dispute notation, that I have requested be removed. IM reaching out for help because I keep getting the run a round from Experian. All Im asking is for the persistent dispute remark be removed. I have an expected closing date XXXX which leave me 11 days to close and Experian refuses to remove the persistent dispute notation. Pl help if not I will lose my escrow money. Please please.

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 2016-01-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I was informed by my credit card company XXXX XXXX XXXX that someone has been using or attempting to open credit card accounts using my name, date of birth and social security number without my permission. The suspect has already opened several credit card accounts and committed the crime of theft in XXXX California. The suspect stole my identity by using my name, social security number and date of birth to commit theft and avoided payments and capture from the law. I reported the incident to the XXXX credit card bureaus such as XXXX, XXXX and Experian. I had to place a security freeze and a fraud alert in order to prevent the suspect from opening further credit card accounts without my permission. I had to dispute numerous fraudulent charges against me committed by the suspect in XXXX California. I filed a XXXX XXXX Police report on XX/XX/XXXX and gave copies to some merchants or credit card companies along with my driver license and personal information in order to prove my real identity. I also gave the police report to Experian and other personal information in order to place a 7-Year Fraud Alert and Security Freeze. Experian refused to assist me and refused to place a 7-Year Fraud Alert based on my request. I requested Experian for the XXXX Fraud Alert because I do NOT want the suspect to steal my identity for the next 7 years and continue the crime of theft. Experian refused to assist me and ask for more personal documents. I already sent Experian the copy of my driver license, my social security card, my DMV bill and property tax bill verifying my true identity. Experian refused to assist my request. I would like Experian to be fully investigated and would like to know why it still requesting more personal documents. I need help and Experian refused to assist me after I reported being a victim of identity theft. I disputed the fraudulent charges against me because I never lived in XXXX California. The suspect committed these crimes of theft in XXXX California and provided a false or fake southern California address in XXXX, California. I ONLY live in XXXX XXXX since XX/XX/XXXX and NEVER in XXXX California such as XXXX, California.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 non-monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX- Account # XXXX Experian account # XXXX From XXXX XXXX, 2015 I have written over XXXX letters to the credit company stating that this company XXXX is reporting in accurate information on my credit report and ask servals time for the company to please submit validation that the reporting item belongs to me and they have failed to do so. I have also received a letter on XXXX XXXX where the company clearly states that the account is places on hold status and they are no collecting a debt. If this is the situation where they ca n't validate the information why is the creditors continue to report these items illegally on my credit report. I 've also written letters disputing the XXXX account and this item is also reporting illegally on my account. The other credit bureaus was able to remove the inaccurate information reporting against me but Experain have failed to do so. I am beyond frustrated because I ca n't do the things I would like to do because of this inaccurate information. Please help

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have sent dispute complaints to Experian on XXXX seperate occassions, All with documented and noterized proof that I am the legitimit person authorized to make request on my credit reports. Experian has failed me many times by totally disregarding Georgia State noterized documents issued and witnessed by a Bank Officials of XXXX XXXX XXXX, and disrespecting me as a real person. Experian has made the determination that they are going to dictate what they report on my credit reports by falsely accusing me of filing frevilious disputes, when I infact sent All necessary documentations of proof by certified mail. Experian then proceeds to give out false and Unverified information to potential creditors that has severly XXXX and XXXX my chances to buy a car or house at this point. Experian has totally disregarded the Federal Trades Commission Fair Credit Reporting Act by not following the rules on verifying, and through proper channles and Deleting All Unverifiiable Information on my credit report. Experian actions are dispiciable and Unacceptable at this point. ( Proof of ALL documents sent to Experian on XXXX seprate occassions. ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-22 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am filing this complaint because Experian has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. 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 2017-02-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
The homeowner has been trying to get a loan modification since XX/XX/XXXX. During this time OCWEN stated that the application was lost, re-apply. During the period of XX/XX/XXXX a new application was submitted to OCWEN. The mortgage investor is According to our records, the owner of your loan is : XXXX As Trustee For IndyMac INDX Mortgage Loan Trust XXXX, Mortgage Pass-Through XXXX I have applied 2 times since with OCWEN only to be denied : without an explanation for the denial. The latest denial was on XX/XX/XXXX. 
On XX/XX/XXXX A telephone call to my agent : XXXX was contacted to ask why was I denied : answer is that I did not meet the investors guidelines. 
My mortgage went from $ XXXX@3.875 % in XX/XX/XXXX : up to $ XXXX@4.5 % hike in monthly payments and interest rate on XX/XX/XXXX. 
Our mortgage is an interest only mortgage and pays {$12.00} principle for the last 10 years. On XX/XX/XXXX, I filed an appeal and CFPB complaint against OCWEN and XXXX. 
I have a medical hardship and loss of income due to husbands XXXX medical condition. We both are on fixed income. 
The homeowner is qualified and eligible for a loan modification : homeowner was deied when qualified. OCWEN signed a consent agreement with a DOJ penality of XXXX Dollars for wrongful denial of loan modification to homeowner, when qualified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Experian continues report information on my credit file thats was submitted with an Identity theft report and a police report case number. 

It has been over a month since submitting the documents to Experian and have not blocked the fraudulent accounts. 

Police case # XXXX FCRA 605B ( 15 U.S.C. 1681c-2 ) ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

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 2015-04-14 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I contacted CFPB to dispute a negative mark XXXX XXXX XXXX collecting a debt for payday loan yes. it showed XXXX in 2008. I have never heard of payday loan yes. I never received any correspondence from XXXX or XXXX loan yes. Their response to CFPB is on file case # Case number : XXXX ; however, the negative mark has not been deleted from either credit bureau as promised. I also disputed with the credit bureaus and informed them of the response on CFPB ; however, they continue to report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief