vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: FIRST CONTINENTAL MORTGAGE LTD
State: TX

Complaint narrative:
I applied for a XXXX XXXX modification on XX/XX/XXXX and on XX/XX/XXXX I was approved during a Bankrutpcy Chapter XXXX in which I filed on XX/XX/XXXX. The loan modification that was approved and implemented did n't support my financial hardships and a mortgage payment of {$1700.00} back on XX/XX/XXXX should have been around {$1200.00} with all property tax and home insurance included. Also all property tax and loan fees escalated the mortgage payments to {$1800.00}, {$1900.00} {$3000.00} as I received statements from lender. On XX/XX/XXXX another XX/XX/XXXX modification application was implemented, but it appears that a denial will be in place.The lender investors does n't want to lose money and they are going to lowered the mortgage at {$1200.00} with property tax and home insurance included. The present principal is around {$380.00} and interest {$890.00} with a interest rate at 4.12500. Why is so hard for lender investors to accommendate military veterans and citizens on XXXX XXXX and XXXX? Investors and lenders makes billions of dollars from military Veteran and Consumers. I put my home for sale with a XXXX XXXX Real Estate Agent on XX/XX/XXXX and reduced the sale price from {$340000.00}, {$280000.00} and {$270000.00} because the sluggish sales market and Real Estate home sales downgrading to 12 percent in the areas of XXXX XXXX. Also new construction home builders are making my home sales very tough because they are giving incentives of closing cost paid and many other benefits incentives in XXXX, Texas. I am going to dismiss my Real Estate agent and remove my home from the XXXX. I am going to stay in my home and hope that my XXXX XXXX modification and mortgage is reduced to affordable payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: MD

Complaint narrative:
Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed XXXX, XXXX and Equifax reporting Acct Number XXXX Basis for the dispute : Equifax Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 days late XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE XXXX Account # XXXX Open Date XX/XX/XXXX Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 days late XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: CA

Complaint narrative:
I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX ca, XXXX, is the collection agency that is insisting they are correct, when they 're not. My XXXX XXXX XXXX is a XXXX # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my XXXX. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.

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 2017-07-01 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: CA

Complaint narrative:
I 've been trying to fix multiple errors on my reports, to no avail.my proof of the error carries less weight than the creditors word. XXXX XXXX XXXX XXXX XXXX ca, XXXX, is the collection agency that is insisting they are correct, when they 're not. My business XXXX XXXX is a XXXX # XXXX corporation number. We wrote a check to by advertisor, just before I had a XXXX XXXX and was forced to close my business. I should have been protected under my corporation. They will not show me a copy of the check, so I can prove my point.the 3 credit reporting agencies, do n't want to here the truth, or fix it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Ad Astra Recovery Services Inc
State: NV

Complaint narrative:
Called on XX/XX/XXXX and doing the year tried and asked for information to settle the debt. to get removed {$450.00} XXXX XXXX account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed Transunion, XXXX and XXXX reporting Acct Number :XXXX Basis for the dispute : XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XX/XX/XXXX Unknown XX/XX/XXXX  Unknown XX/XX/XXXX 30 days late XX/XX/XXXX Unknown XX/XX/XXXX Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE TransUnion Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 days late XX/XX/XXXX OK XX/XX/XXXX OK XX/XX/XXXX 30 Days Late XX/XX/XXXXCollection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # 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 2017-07-01 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: MD

Complaint narrative:
Incorrect and or inconsistent information across All three Credit Bureaus Identification of the specific information being disputed XXXX, Experian and XXXX reporting Acct Number XXXX Basis for the dispute : XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History XXXX 2016 Unknown XXXX 2016 Unknown XXXX 2016 30 days late XXXX 2016 Unknown XXXX 2016 Unknown XX/XX/XXXX 30 Days Late XX/XX/XXXXCollection/ Charge off Remarks : Charged off account Credit Card Creditor Information : NONE XXXX Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : No payment History Reported Remarks : Charged off as bad debt | Account information disputed by consumer, meets FCRA requirements Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Experian Account # XXXX Open Date XX/XX/2016 Last payment XX/XX/2016 Payment History : XXXX 2016 OK XXXX 2016 OK XXXX 2016 30 days late XXXX 2016 OK XXXX 2016 OK XX/XX/XXXX 30 Days Late XX/XX/XXXX Collection/ Charge off Remarks : Customer Disputed account- reported. |Unpaid Balance reported as a loss by the credit grantor Creditor Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX Phone # 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 2017-07-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Commonwealth Financial Systems, Inc.
State: NV

Complaint narrative:
XX/XX/XXXX Sent letter to get company to remove debt from my account. this has already been removed and is not my account. this and account has been going on since XX/XX/XXXX. I was never notified of this account in writing or call.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Equifax continues to report the following on my credit report resulting in deleterious results and/or ability to obtain credit and/or instant employment, to wit : ( 1 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : Docket # XXXX, DISMISSED. ( 2 ) US BKPT CT VA XXXX US Bankruptcy Court XXXX, VA XXXX Status : Docket # XXXX, DISMISSED. <P/>Equifax continues to list the dismissed bankruptcy on my credit file. Equifax 's policy is to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years. However, the Fair Credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. <P/>The law clearly states from, " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. <P/>Therefore, Equifax has no right to maintain information which the government has deemed nonexistent. Pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. This action does not require an investigation ; I would appreciate your response within 14 calendar days from receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I received a debt collection letter from I.Q. Data international, Inc. for an apartment that I recently moved from. This came as a surprise because the manager at the apartment made no attempt to inform me of any of this. I immediately disputed the debt because the charges were outrageous and I left the apartment in a good clean condition. I have been speaking with a particular person named XXXX from the company and thought that they had started their investigation to validate any charges. I have been providing documents and papers to back up my dispute. On a prior phone conversation that took place around XX/XX/XXXX XXXX stated that in order to keep my account from being active in collection I needed to provide him with a card number. He also said that my card would NOT be charged if I called back by the XX/XX/XXXX to follow up on the dispute. I did call back on the XX/XX/XXXX to follow up and was still disputing the charges. dispute. I did call back on the XX/XX/XXXX to follow up and was still disputing the charges. Today on XXXX XXXX, 2017 I received a call from XXXX stating that I.Q. Data International , Inc. would be sending out the itemized list of charges they received from XXXX XXXX Management. He asked if I wanted to make a payment toward the debt and I said No. Multiple times. I stated that I was not going to pay this debt because the dispute was still ongoing and I did not believe the charges to be valid. ( The apartment lumped the fee together as " full paint and carpet {$890.00}. '' ) I was told to hold and was transferred to another person. This time a lady who treated me horribly and kept asking why I was n't paying my debt when I owed it. I informed her that it was being disputed and that I was not going to pay it when I did not believe the items being charged were valid. I also informed her that there were deposits that the apartment did not return to me or apply to the supposed debt, and for this reason I was still disputing. The lady kept saying that it was going to go on my credit if I didnt pay and again I told her the same thing. I will not authorize charges to my card because I dont believe the debt is valid. Without my authorization, {$710.00} was attempted to be pulled from my account. Thankfully my bank blocked the charge. Phone calls are recorded with collection companies and at no point in the conversation did I authorized them to charge my card. I specifically told them that I do not authorize them to charge it and they still attempted to do so.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX  did not give me results online as indicated it would.   Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year.   The contact form just accepts a comment, does n't take your phone number or email address for resolution.

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 2017-07-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Penn Credit Corporation
State: PA

Complaint narrative:
Back in XX/XX/XXXX, I received a notification my credit score dropped due to a collections account with Penn Credit Corp ( PCC ) on behalf of XXXX XXXX XXXX ( XXXX ). I have never had XXXX as an electric service provider. I contacted PCC and was instructed to contact XXXX. XXXX told me I needed to file a police report, which I did, then they needed me to fill out a questionnaire and provide documents such as, drivers license from XX/XX/XXXX ( when the fraudulent account was opened ), a utility bill from that time, and my residence history from XX/XX/XXXX to the present showing I never lived at the address where the electric company was servicing somebody using my name and SSN which i completed on XX/XX/XXXX. I received a letter from XXXX dated XX/XX/XXXX stating they received enough information to remove the balance of XXXX from my active account ( It was never my account ) and the collections account was removed from my credit report. <P/>This past week, I received another negative collections account on my CR for the same thing! I contacted Penn Credit, they said XXXX is saying they never received a police report. I contacted XXXX and they told me they do n't know why PCC opened up the collections account again because they had everything and the investigation was closed in XX/XX/XXXX. I contacted PCC again, was transferred to the same supervisor twice ( XXXX ) and both times as I started to tell my story was hung up on. PCC shows evidence of weak CMS and furnishing to CRA 's. Furthermore, XXXX removed the negative account the first time and it was through XXXX again that re-opened the collections account on my CR. I provided the letter from XXXX showing the close of the investigation in my favor and a screenshot showing the open collection account from PCC and right below the previous claim for the same account and money being closed! I saved everything from the original investigation, including the police report of stolen identity and the fax transmission pages from the police station to XXXX and from a hotel in XXXX XXXX to XXXX for the additional documents and questionnaire needed to be filled out.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX  did not give me results online as indicated it would.   Then it said I had gotten my results for the free reports, which I have n't. Then it said see you next year.   The contact form just accepts a comment, does n't take your phone number or email address for resolution.

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 2017-07-01 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: AES/PHEAA
State: ID

Complaint narrative:
Fed Loan Servicing is reporting to all 3 credit bureaus that I had a late payment in XX/XX/XXXX2015. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX 2015. This inaccurate reporting is destroying my credit. I have called Fed Loan Servicing multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when Fed Loan Servicing sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that Fed Loan Servicing sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice.
I am in the process of trying to purchase a home and the fact that Fed Loan Servicing is
showing these loans as 90 days late in XX/XX/XXXX 2015 is inaccurate and is ultimately affecting me in a negative manner.
I 'm asking that Fed Loan Servicing provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: ID

Complaint narrative:
XXXX XXXX XXXX is reporting to all 3 credit bureaus that I had a late payment inXX/XX/XXXX. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX. This inaccurate reporting is destroying my credit. I have called XXXX XXXX XXXX multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when XXXX XXXX XXXX sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that XXXX XXXX XXXX sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice. I am in the process of trying to purchase a home and the fact that XXXX XXXX XXXX is showing these loans as 90 days late inXX/XX/XXXX is inaccurate and is ultimately affecting me in a negative manner. I 'm asking that XXXX XXXX XXXX provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-01 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: ID

Complaint narrative:
XXXX XXXX XXXX is reporting to all 3 credit bureaus that I had a late payment in XX/XX/XXXX. They are reporting this late payment on the 3 credit bureaus that I was 90 days late in XX/XX/XXXX. This inaccurate reporting is destroying my credit. I have called XXXX XXXX XXXX multiple times and have mailed 2 certified letters ( which they signed for ) asking that they provide me with the proof that this information being reported is accurate. I have asked repeatedly for canceled checks or any documents that show I paid these loans 90 days late. There has been numerous times when XXXX XXXX XXXX sold or transferred my student loans to various lenders which in turn would show my payments as late. The fact that XXXX XXXX XXXX sold or transferred my loans to different lenders without my consent, ultimately showing my payments as late was not my choice. I am in the process of trying to purchase a home and the fact that XXXX XXXX XXXX is showing these loans as 90 days late inXX/XX/XXXX is inaccurate and is ultimately affecting me in a negative manner. I 'm asking that XXXX XXXX XXXX provide me with a copy of the canceled checks as proof that these payments were paid late, or to remove the negative items that they are falsely reporting on 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 explanation