vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
Ocwen Retention department has all the documents requested to finalize my modification per my relationship manager XXXX. However, Ocwen Retention department refuses to give me a modification because ever 90 days and this has been going on and on saying my documents have expired. My relationship manager said he sibmitted all of my documents and still know resolution. I was told because I have no bank account from a call from another rep on XX/XX/2018 my modification can not be aoproved.

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 2018-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion credit reporting agency is reporting XXXX XXXX inquiry that I do not recognize or authorized. I am asking that Transunion immediately remove XXXX XXXX inquiry off my credit report immediately based on the federal fair credit reporting act. I have requested several times with Transunion to have XXXX financial inquiry to 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 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
EVERY YEAR FOR FIVE ( COUNT THEM ) FIVE XXXX YEARS THE SAME XXXX. 
I GO TO EQUIFAX ON ANNUAL CREDIT REPORT. I WASTE MY TIME, GET STRESSED AND MORE ANSWERING ALL THEIR XXXX QUESTIONS. 
MOVE RIGHT ALONG TO THE END TO GET THIS XXXX ... ... ... .. 
WE ARE SORRY, YOUR ANNUAL FREE CREDIT REPORT IS NOT AVAILABLE ON LINE ... ... ... 
LIES AND XXXX ... ... .... 
FIVE YEARS OF THEIS VERY SAME XXXX STORY ... ... ... 
NO WAY, THEY JUST DO NOT WANT TO DO WHAT THE FEDERAL GOVERNMENT AUTHORIZES THEM TO DO ... ... .... 

FIVE YEARS, SAME XXXX STORY ... ... ... AM I MAD AND STRESSED???? BET ME I AM. DO I TRUST THEM, BET ME NO ... ....

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 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: OK

Complaint narrative:
have asked XXXX to validate, and have not received any response. also asked transunion to verify, there response is it meets requirement but fail to show proof. 
I have asked several times with certified letter to provied me a document that bears my signature that this debt is mine from both XXXX and XXXX and have not received any such documents. as this is my last step to take prior to filing a civil action against both companys. if need be i can provide proof of dispute delivery

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: MA

Complaint narrative:
XXXX XXXX through their Corporate Complaint Advisor sent me a letter within declaring an existing Account before belongs to them had belong to another institution, I always knew made that reality worth until finally XXXX had did recognized. The Account before came to XXXX had belong to XXXX XXXX XXXX/XXXX XXXX XXXX as also like XXXX does declares on letter. While under XXXX/XXXX  there a document that show a missed first payment at XX/XX/XXXX, on document there a reference at XX/XX/XXXX I had 3 payments past due. 
Why Experian do not act as they state on their Reports as " ... .This information is generally removed seven years from the initial missed payment that lead to the delinquency. Missed payments and most public record items may remain on the credit report up to seven years, except Chapters XXXX, XXXX and XXXX bankruptcies, ... .. '', its not my case. 
Why Experian does not accept the Bank letter as a prove within other doc copies I been sent all these months asking to someone take a fair attitude within a consumer. What kind of investigation Experian does when answer back do not refer names? 
Are Experian above law to manipulate or hold information the way more convenient for third parties? 

I do have documents to prove all!!! 

I do ask to CFPB to make value your authority to push Experian fix that issue/matter!!!

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 2018-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
This is a HELOAN. My monthly payment was always XXXX. I was late paying my taxes which Mr. Cooper paid part to the City. I paid this back and continue paying my real estate taxes to my City. In  XX/XX/XXXX I filed bankruptcy with a discharge in XX/XX/XXXX. During which time I never received statements from Mr Cooper, I made several calls asking why no statements, but got no justified answer. My outstanding balance owe in XX/XX/XXXX was {$1800.00} and in XX/XX/XXXX escalated to {$4700.00} even though payments made during that time exceeded {$9000.00} ( BLOCK OUT PERIOD ) The amount owe continue to increase. Now {$7000.00}. Mr cooper stop taking my regular payment in XX/XX/XXXX. I was told my account has been forced escrowed and was told by some staff this escrow will be removed since I am up to date and I have been making my Real estate tax payments. I FEEL THIS AMOUNT OWE IS INACCURATE AND MY PAYMENTS ARE NOT BEING APPLIED CORRECTLY. The HELOAN NOTE agreement has been violated. I have been charged late fees in excess of the agreement since XX/XX/XXXX ( fee should not exceed {$10.00} and at times was charged $ 20- {$45.00} ) until corrected in XX/XX/XXXX. I have been Charged 3rd party fees totalling {$490.00} and no one could explain why. 
My request to Mr. Cooper 1/ Please apply my HELOAN payments correctly so I can see what I actually owe dating back from XX/XX/XXXX. 
2/ Please Discontinue the escrow and return my excess payments since I was never notify of escrow.

3/ Please provide me with statement on my account XX/XX/XXXX to XX/XX/XXXX to verify what went wrong.

4/ Please refund me all unauthorized 3rd party fees charged.

5/ Please refund all late fees charged in excess of the agreed amount on the HELOAN Note agreement.

6/ Please make my loan corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: OK

Complaint narrative:
have asked XXXX to validate, and have not received any response. also asked transunion to verify, there response is it meets requirement but fail to show proof. 
I have asked several times with certified letter to provied me a document that bears my signature that this debt is mine from both XXXX and Transunion and have not received any such documents. as this is my last step to take prior to filing a civil action against both companys. if need be i can provide proof of dispute delivery

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 2018-04-14 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: Jon Barry and Associates, Inc.
State: OK

Complaint narrative:
have asked XXXX to validate, and have not received any response. also asked transunion to verify, there response is it meets requirement but fail to show proof. 
I have asked several times with certified letter to provied me a document that bears my signature that this debt is mine from both XXXX and XXXX and have not received any such documents. as this is my last step to take prior to filing a civil action against both companys. if need be i can provide proof of dispute delivery

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Credit Card Receivables Fund Incorporated
State: TX

Complaint narrative:
This complaint is in response to the company 's previous misinformation and answer to my complaint # XXXX. UNIFUND misrepresented that the judgment they owned was active. IT WAS a DORMANT JUDGMENT and they misrepresented that and sold it to XXXX XXXX  XXXX   XXXX. 
l. Unifund attempted to collection on a dormant judgment. The writ was returned to them from the constable as not identifying any non exempt property. However, the writ was also issued outside the 10 year time frame allowed for tolling. Unifund has attempted to claim that the writ was issued before the 10 year time frame by using a bogus preparation of writ date. Texas Law clearly rules that mere preparation of a writ does not constitute issuance. The writ is NOT legally issued until it is date stamped and signed for by the constable/sheriff. THE judgment became dormant prior to the XX/XX/XXXX date that the constable signed the writ. 
2. Unifund sold this judgment on XX/XX/XXXX to XXXX XXXX XXXX XXXX and claimed that the judgment was ACTIVE!!!!! They misrepresented the facts and received money or benefits as a result of it and by warranting that the judgment was not dormant. 
3. In fact they continued to claim that the judgment was active into the complaint cited above. I am attaching the course taught at the Texas State Bar for accreditation and specialization for consumer collections. Page 5 and 6, IIIA.c. ( l ) states that : The law requires that when an execution has been placed in the hands of a sheriff, he shall note upon it the hour and the day received, and shall, within the time prescribed by the execution, make due return of what he has done, in compliance with the requirements of the writ.... In order to be a compliance with the statute the writ must be placed in the hands of the officer whose duty it is to execute it ; and until this is done there has been no sufficient compliance with the law 4. Additionally, once the judgment becomes dormant the following applies : If a writ of execution is not issued within 10 years after the rendition of a judgment of a court of record or a justice court, the judgment is dormant and execution may not be issued on the judgment unless it is revived. 

5. UNIFUND and XXXX XXXX XXXX XXXX are in the debt collection business and have an obligation to be mindful of the laws. They have purposefully breeched the fair debt collections laws and misrepresented the facts and they continue to do so even today in fraudulently citing rules on the lawful tolling rules for maintaining an active judgment. THEY DID NOT act within the legal perimeters of the laws and misrepresented those facts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 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: EQUIFAX, INC.
State: OK

Complaint narrative:
account refers to XXXX XXXX XXXX. also known as XXXX  XXXX  XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau equifax to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect isXX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore Equifax has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
Ally had s class action law suit. And failed to add my name to the law suit for any purchases made XX/XX/2011. Someone from ally called me she was XXXX. I stated this car I purchased was only XXXX but by the time I get through paying the car off I would have XXXX dollars. Im stressed out emotionally distressed if the pain this XXXX company has caused me and thousands of others. I want them to send me my title because I have paid Ally Financial enough money. I still owe 3000 plus dollars. 7 years later today.

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 2018-04-14 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: OK

Complaint narrative:
account refers to XXXX XXXX XXXX. also known as XXXX XXXX XXXX. i have never denied account is mine, my dispute is this company keeps reporting inaccurate information in order to hurt my credit. i have asked by certify mail for the credit bureau XXXX  to validate account and amounts and collection date. there response is the acount is certified and is accurate, after filing a complaint with CFPB XXXX  XXXX finial sent documentation showing the collect amount. which is not the same as what is being reporting but the still refuse to send collection date this being the lease, that would show that the correct date of collect is XX/XX/2011, the collection amount is {$1900.00}, there fore they are reporting inaccurate information and must be deleted under fcra, 1681i, which provides, in relevant part, as follows : If the completeness or accuracy of any item of information contained in his file is disputed by a consumer, and such dispute is directly conveyed to the consumer reporting agency by a consumer, the consumer reporting agency shall within a reasonable period of time reinvestigate and record the current status of that information .... If after such reinvestigation such information is found to be inaccurate or can no longer be verified, the consumer reporting agency shall promptly delete such information. 
Therefore XXXX has had plenty of time to investigate and keeps reporting wrongfull information in fact every time they investigate the balance seems to go up. 

depending on action taken, if i will file civil suite in court

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 2018-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
While checking my Credit/Score Report from Experian I came to notice missed information and I decided to complaint. 
I were reading " Concerning what's hurting my Score? " - " Short Account History " : Experian refers credit History within 25 years helps for a better score and mine are only 19 years 4 months, I came to figure out while blinked my left eye and start laugh on that, well came in my mind more then that. 
My question to this ; does Experian manipulates or try consumers look foolish? 
Well, I may offer my help to remember Experian the following : I purchased a house in XX/XX/XXXXat XXXX XXXX XXXX, XXXX XXXX RI XXXX, payment mortgage to XXXX XXXX XXXX, XXXX MA, I purchased a new car year XX/XX/XXXX, a XXXX XXXX and payments to XXXX. 
Well, even taking the latest date XX/XX/XXXX+ 25 = year XXXX, more then 25 years to present date, isn't true????? 

- " Seeking Credit " : How many do refused to open an account/card when shopping and the Commercial Retail are inviting consumer to have their own card from store. 
Experian does supply a report without be register as an hard inquire? or Experian does contradict the fact " more credit more power '', isn't true? 

- " Serious Delinquency " : One account within 60 days payment due. It is if Experian wants to prevail what are considerate wrong on their point of view that others 2 Credit Report Agencies don't see. When Experian does not want accept proves that all process are mislead. 

Enough reasons to ask, are Experian a honest or trustful credit report agency, does manipulate reports within second intentions, or a joke? I have my own judgment!!!

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 2018-04-14 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: OK

Complaint narrative:
XXXX XXXX has no validate account, they keep sending a letter head of doctor office but placing there information in the itemized statement, i have asked for a signed document with my signature and debt assumed to be agreed. the have yet sent any such documents. an itemized statement is not validation. 

at the end of this investigation will determine if i file civil suite against EQUIFAX AND XXXX XXXX for report unvalidate debt to my credit report in order to damage my credit. both have been asked to verify and validate debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Ive been dealing with Sallie Mae ( naviant ) Since I borrowed loans in XX/XX/XXXX. Since then Ive been making payments and sometimes have missed a couple. There customer service is horrible and abusive. In the past Ive mentioned there law suite on the phone to a manager for unlawful loan practices in our phone conversation and the supervisor hung up on me saying we cant discuss that. 
In one phone call the collector told me if I cant make a loan payment I should sell my house and belongings because their going to come get them after we go to collections. 
Most recently XX/XX/XXXX I lost my job after 3 yrs as a XXXX XXXX XXXX. 
During that time I was unemployed and was getting NY state unemployment for XXXX a week. Not enough to pay all my bills and provide for my kids and family let alone pay XXXX a month in student loans. I was unable to pay them. I called countless times to naviant to see if they could help me and do something with my loans since I was unable to pay until I got a new job. Their reply was its not our problem you dont have a job, pay your loan or we will take you and your family to court. Also in previous years I wanted to take my co signers off the loan and they said thats not possible because they are responoble to pay as well and cant be removed even though I was making payments every month. Now I have a new job but I am making 20k less a year. Ive told them most recently in weekly phone conversations that I cant pay the XXXX a month I use too because I make 20k less a year now. The money just isnt there. Their response is thats too bad thats the best we can do, pay it or be prepared to go to court. 
Honestly at this point I am not sure what to do? 
I am not trying to avoid paying them but they are so hard to work with and dont what they do or say as long as they can squeeze money out of you. When I was making monthly auto debited payments they would call my co signers and day I wasnt paying to try and get additional payments. Not right! 
Also my wife has students through them as well. obviously our house hold income is the same but they are unwilling to help her with her loans as well. They didnt offer the same financle hardship repayment program to her. They said it didnt apply to her loan and situation. Its the same household and situation. These are only a couple examples of the last 15 years of dealing with them. Its been the worst experience and most regretful decision Ive ever made. 
I need advice. Honestly I can say whole heartedly that if I knew that I would have to deal with them when I was thinking of going to college I would have never gone to college. It wasnt worth going to college to deal with them and their absolutely ruthless loan practices. 
I advise young people to not go to college if it means dealing with navient. 
XXXX XXXX

Company response to consumer: Closed with explanation