vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MN

Complaint narrative:
We can not afford offered Loan Modification from Ocwen Loan Servicing , LLC . According our Attorney who review the offered Loan Modification agreement from Ocwen Loan Servicing , LLC to us we are going to be bankrupt within a few years if we accept that. And at our pre-retirement age it is not acceptable. We found a Minnesota local nonprofit organization who has a Program for Homeowners like us who can not afford to accept a loan modification but have to stay at the property due to medical reasons. The Non-Profit purchases the property at the Short Sale without signing Arm 's Length Transaction According to Home Affordable Foreclosure Alternatives ( HAFA ) program as permitted under Supplemental Directive XXXX issued by the federal government on XXXX XXXX, 2011, and rents the same property back to Homeowners with hardship like ours. The HAFA directive provides that Servicers may " approve sales to non-profit organizations with the stated purpose that the property will be rented or resold to the borrower, so long as all other HAFA program requirements are met. '' This quote is an excerpt from Supplemental Directive XXXX issued by the federal government on further information on the Directive issued on XXXX XXXX, 2011 ; the full relevant section of the Directive is attached. The Directive can be found at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
Wells Fargo is foreclosing on my second mortgage when I have repetedly requested copies of payments made agreements made with XXXX and XXXX statements NONE OF WHICH I HAVE YET TO RECEIVE. I am now receiving harrasing letters phone calls from the collection law firm that Wells Fargo has hired to foreclose on my loan

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
OCWEN LOAN SERVICING PLACED UNAUTHORIZED FLOOD INSURANCE ON MY BEHALF WITHOUT MY KNOWLEDGE AND/OR PERMISSION. THEY HAVE BEEN DOING SAME FOR FOUR YEARS. THE HAZARD INSURANCE I KNEW ABOUT BUT CONVENIENTLY NOT THE FLOOD. I DID NOT KNOW I WAS REQUIRED TO HAVE FLOOD INS. NEXT THEY ARE PRICE GOUGING. I NOW KNOWING THIS AM GETTING MY OWN FLOOD INS FOR XXXX, THEY ALREADY TOOK MY MONEY AND ESCROWED FLOOD INS. FOR XXXX. THE ONLY WAY I FOUND THEY WERE DOING THIS WAS THEY TOLD ME MY ESCROW WAS SHORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Duncan Solutions, lnc.
State: RI

Complaint narrative:
received a letter from profesional account management, llc stating i owe from from various parking citations- i sent them a letter saying that one is mine but the others i was working those days not in the city! they proceeded to tell me that i had plenty of time to dispute and didnt so i forfeit my right to appeal! they keep sending letters saying i owe debt that wasnt me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
The XXXX charges on my credit account has been paid in full, and have not been removed from my credit acct, which causes me to have a lower score than I should. Please look into this matter, as it hinders me from obtaining credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I purchased insurance with this company in XXXX 2013 and cancelled due to there were not able to cover my home insurance policy. At which time I submitted a letter of cancellation and paid a the final payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I HAVE ALOT OF INQUIRIES ON REPORT THAT ARE NOT MINES NOR DID I AUTHORIZE. I HAVE also submitted XXXX for user accounts still on credit report. I ALSO HAVE SUBMITTED FTC ID REPORT FOR ITEMS THAT SHOULD BE DELETED. 

XXXX XXXX ACCOUNT SHOULD BE DELETED AS WELL SINCE COMPANY SOLD MY AGREEMENT.

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 2016-03-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
I had a secured credit card with XXXX XXXX with a credit line of {$200.00}, that was secured by a savings account. After a few years, I was issued an unsecured XXXX XXXX XXXX credit card with a {$500.00} credit line. Since I received the unsecured card, I did n't think it was necessary to still have the secured account, so I requested that the account be closed by XXXX XXXX. Soon after I requested the account to be closed, my credit score dropped dramatically, which is negatively impacting me with trying to obtain a mortgage loan. Why would a consumer who is wanting to eliminate unnecessary debt be penalized. The account was always paid on time, the account was paid off in full and yet the credit bureaus pinged my credit. Does n't seem fair at all. Any assistance you can provide will be greatly appreciated.

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 2016-05-19 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Your choices are not fully accurate to my situation. Because of a breach I have a credit monitoring service with another company, that reports on things from all XXXX credit bureaus. The reported that a company pulled my credit report, except it was n't with their company it was with Trans Union. They transferred me to Trans Union and there was no way to actually speak with someone so their phone system hung up on me. I tried additional numbers and got hung up on multiple times. I finally reached someone, who was not in the US and he would not tell me where he was. Because of a hearing handicap i have it was impossible to understand him with his accent. He said he would transfer me to the US. Instead I got hung up on. When I tried calling back I got put into the endless cycle of not being able to reach anyone.

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 2015-11-24 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Mark A. Kirkorsky, PC
State: OH

Complaint narrative:
Company contacted my wife and my mother and released information to them in regards to a student loan I have with XXXX XXXX. They contacted me and left me a voicemail as well stating they have contacted my girlfriend and my mother and that they are n't " playing games '' with me and that I needed to contact them as soon as possible before they file legal suit against me. Then my wife sent them an email asking for more time and the email she got back from them was completely out of line. This is what the email said " This is exactly why we do not do voluntary payments arrangements. I gave you a gift to pay {$50.00} per month, and the very first payment, you do not mail it. This is to be paid absolutely, positively ever month. Just like your rent. Your landlord is not concerned with medical bills and everyone with children deals with them being sick. But you still get the payment in no matter what. You owe our client {$3500.00}. I was trying to help you to accept your offer. Shame on me thinking you would do it. '' I am not happy with the way they are communicating with, XXXX and my wife. I do not know what to do. We are willing to pay but the service we are receiving is beyond me and comes off as harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
XXXX has a judgement that the date is not accurate. it says XXXX when the date is actually XXXX. I recently went to the court house to recieve this documention. I never did get served this judgement so I was never able to see the paper work for this judgement. In this loan i had cosigned with my ex for a XXXX and a XXXX. in the paperwork they have the original paperwork stating these XXXX vehicles which they combined into XXXX loan for us. Both of these vehicles were both repossesed. In the judgement it states that it sold the XXXX for {$8000.00} and put that amount towards the balance that I owed. But it doesnt state the XXXX nor how much they sold it for. And if they did sell it that balance never went to the balance that I owe. So the amount is not accurate. I re read it several times and the XXXX was never sold. so they took the XXXX and did whatever they wanted and got away with it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-26 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Due to the fact that my situation is not properly available on this site as a choice to select above I have been violated by XXXX XXXX XXXX XXXX XXXX Also, by TransUnion Credit Reporting Agency and XXXX XXXX XXXX XXXX XXXX does n't have the rights to collect debt in the State of Texas ? They are not abiding by the Law accordingly to the State of Texas and they was suppose to remove themselves from my credit report by sending a letter stating to the Credit Reporting Agencies that they need to be removed. Now that I have made TransUnion aware of this they have not done an accurate investigation on XXXX XXXX XXXX XXXX XXXX. So, I checked XXXX Texas Debt Collections XXXX website and found out that XXXX XXXX XXXX XXXX XXXX is breaking : " Texas XXXX XXXX XXXX XXXX which prohibits a XXXX-part or credit bureau from engaging in debt collection in Texas unless the third party debt collector has obtain a XXXX bond and file a copy of the bond with the Office XXXX. Also, you can not operate in the state of Texas with a XXXX '' I am in need of another Investigation to remove them from my credit report 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 2015-10-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Arcadia Holdings, LLC
State: VA

Complaint narrative:
I received an alert indicating that there was a collection amount on my credit report. Since I did not receive a notification, I did not get a chance to verify or refute the information submitted to the credit bureaus. 
I contacted the original creditor ( hospital ) to verify and get the issue resolved, but Arcadia will not remove the information. 
The information being reported has negatively impacting my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Started getting calls again for another person. I told them on XXXX XXXX that I do not know who he is do not call my number again. They said they would add my number to the do not call list. Again today I received a call from Ally bank looking for him. I had this same issue with them a few years back and they are starting up again.

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 2016-08-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TransUnion LLCConsumer Dispute Center XXXX XXXX XXXX, XXXX XXXX XXXX Account Number Num : XXXX Balance {$00.00} XXXX Account Number Num : XXXX Balance {$00.00} Dear Sir or Madam, I am writing in regards XXXX on my credit report. I 've enjoyed being a customer of XXXX XXXX since XX/XX/XXXX. Today, I 'm writing to request a goodwill adjustment to my credit files. 

I was a model customer from the time I received my credit card in XX/XX/XXXX, however it has been 11 years. 

Your agency should delete all information regarding the account from my credit files within 10 business days. Please delete the above information as quickly as possible. 

Sincerely, XXXX 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 2015-09-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I 've had a loan with XXXX since XX/XX/XXXX and have paid every month on time. On my credit reports XXXX is reporting no payments from XX/XX/XXXX to XX/XX/XXXX. I have called and written them and they wo n't change the reporting. They say they ca n't report my payments because I was in Bankruptcy. That does n't prevent them now from reporting the on time payments I made every month. I know during a bankruptcy creditors ca n't try to collect but this issue is nothing like that. I paid on time and the credit reporting should reflect that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Regarding the XXXX XXXX accounts below, these were originally sent to my credit reports incorrectly. Last year after working with them for several months, we finally got the bills straightened out. Attached are letters showing our settlement and then their letters confirming they received payoff and would be removing the accounts from my credit reports. 
Last month, I noticed they were re-assigned new account numbers and resubmitted to the credit bureaus. I believe this is illegal. I believe it 's also illegal to put these back on my credit reports without notifying me in writing at least 30 days in advance - which they did not do. I 've tried unsuccessfully to work with XXXX but they evidently have their records in a complete mess. 
Please have them re-remove these from my credit reports so that I do n't have to take this to court. 
I 'm also going to try attaching a copy of my XXXX 2015 credit report to prove I had clean credit before XXXX did this.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Dear sir /ma'am, My name is XXXX XXXX and my address is XXXX XXXX XXXX XXXX XXXX CA XXXX Phone : XXXX XXXX XXXX I want to file a complaint against the Collection agency and all XXXX credit bureau so that they can remove the unwanted / wrong collection from my credit report. 
I called XXXX on XXXX/XXXX/XXXX at XXXX XXXX and spoke to XXXX I provided her the USPS tracking numbers she tracked the package and confirmed the delivery. Then she opened the Case : XXXX to get the credit adjusted for returned devices. She told me that someone will call me at XXXX XXXX XXXX with 3 business days and will tell me about the outcome of the case. 
UPSC tracking # XXXX UPSC tracking # XXXX Now without informing me or without sending any bill XXXX just sold it to a collection agency called XXXX. XXXX contacted me in XXXX XXXX. I explained to them about the whole scenario and the representative told me that they are going to send me a form so I can furnish all these information in written. But I never received anything from this collection agency. So without sending me any form so I could have disputed the case with them they just put it on my credit report with all XXXX credit Bureau. I am providing the address and phone numbers of all involved agencies. 
Address and phone number of collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX XXXX, XXXX XXXX Address of credit bureaus XXXX XXXX. XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX TransUnion LLC XXXX. XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Equifax XXXX XXXX, XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2017-02-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
Hi! We decided to report this thing to complain about the credit score we have right now with my wife. We would like to inform those XXXX agencies to check the other side of the coin rather than reporting right away and ruining our right to live right. Here is the story : We started to consolidate our debt using XXXX XXXX XXXX XXXX, and after that we where started with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA, TEL # XXXX.They started deducting money amounting to XXXX $ starting XX/XX/2011 on my wife 's account. They were no problem for 3 years and after that we received numerous letters and calls from merchants and says that they have n't received any payment from debt consolidating company for 2 months and so, then we decided to call that agency but to our surprise they said it was already transferred to XXXX. without informing us. Few months run no problem but after that they failed again with payments but there are deductions on our accounts but not remitted to the merchants. Then we try to call the new agency but no luck, so we decided to pull out the payment through this agency and we decided to pay the merchants directly but the problem is our FICO score is already damage without asking what happened. So we decided to right this story to help us with our future plans ( educational loans, house loan and car loans ). Hope to hear good news from you soon. With regards to multiple inquiries, i hope this is common when looking for a car, because if we dont get a car it will affect our job because Arizona is an state with less means of transportation. we can get a car in dealership but its too much so we try to get 2nd hand as much as possible. no car no work is Arizona.Thanks in advance

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 2016-10-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I 've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida XXXX closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I 've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL 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 non-monetary relief
Consumer complaint received 2016-10-11 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
So I have automatic payments set up for my student loans through Navient. I also have been making additional small payments to some of the loans with the hope of paying them off sooner. However I just recently noticed that my automatic monthly payment totals were decreasing slightly. It turns out that when you pay additional money, it decreases the amount per month to balance it out with their expected payoff date, essentially nullifying the additional money you put in. I had to speak to a representative to submit a request to LOCK the monthly payment and prevent this from happening. Although you 're allowed to pay on top of the auto payment, there is no method of setting the amount you want to pay per month, and if you are n't able to make consistent additional payments ( which I am not ), you 'll end up paying out the same amount in interest over the course of their payment schedule.

Company response to consumer: Closed with explanation