vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be XXXX, XXXX   and Trans Union. I have been trying to work on my my credit scores since late XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points  across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.

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 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I Have a problem with all 3 credit reporting agencies and how my FICO scores have been updated/handled, which would be Experian, XXXX and XXXX XXXX. I have been trying to work on my my credit scores since late XXXX. What has happened with my credit scores recently is after paying off a debt or collection account, my credit report will be updated showing this information but it shows like a new collection account even though i paid my balance down to {$0.00}. This will cause my credit score to drop drastically. The first time this happened was around XX/XX/XXXX and my score dropped about 40-44 points across all 3 credit bureaus. 

Just recently ( XX/XX/XXXX ) my credit score dropped about 35 points for no reason. The only thing changed with my credit was i dropped my credit card utilization % between XX/XX/XXXX and XX/XX/XXXX. I have no idea why my credit score dropped and this has and will cost me and my family a lot of money. 

Over the last 3-4 months, i have lost about 80 points on my credit score for simply trying to pay my bills and do the right thing. I'm looking into an explanation as to why my credit score has dropped and if it is found that my credit score was dropped incorrectly, i would like for this to issue to be resolved by updating my credit score properly and giving me back my 80 points lost over the last 90-120 days.

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 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
Back in XX/XX/XXXX I contacted the credit card company and asked what options were available to me. I have had this account for 8 years and have never paid late. I explained that my husband and I are going through financial hardship. I asked if there was any way that I can lower my monthly payment per month because I wanted to keep the card and not hurt my credit score. They explained that the two options available were to settle the account with lump sum payments or apply for a payment plan which would mean closing my account and make reduced payments. I had explained once again that I wanted to keep the card open and was able to make the larger payments but with my husband not working it would become more difficult. I also questioned if they had the option to reduce the interest rate given that I was a good long time customer. They stated no, they no longer do that. I hung up and thought about it and called back a week or two later and requested to be put through to the department that handles seeing if I would qualify for a reduction in payments. After going through the information I was denied. I explained once again I would have no problem making payments as low as $ XXXX {$150.00} per month but the best they could do is refer me to a credit counseling service ( see attached letter dated XX/XX/XXXX ). I had gone online and found that I could reapply which I did and again was denied. I continued to make two more payments but then called them once again asking if there were any other options. I explained that it is ridiculous that they would not accept a lower payment per month and I was told they could split the payment. I then made the request to close the account because of their inability to work with me. In the meantime I have contacted a few other of my credit card companies and they are working with me so clearly this is just the policy of with Chase. I am extremely disappointed that this was unable to be resolved without damaging my credit further.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Bill was due on XX/XX/2019 in the amount of {$12000.00}, I paid balance due which translated into a zero balance on the card. XX/XX/XXXX I reviewed my statement which revealed that I still had a balance of {$870.00} and was charges {$110.00} in interest, I called Citi bank XXXX twice to explain to me why I still had a balance when I thought the card was paid in full, I was told of charges that was not included in the balance XX/XX/XXXX. I was deceived into thinking my card was paid in full and ended up paying interest charges on balance due.

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 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
We were contacted by US Bank via mail to let us know that we were eligible to have PMI removed from our loan account. We were told that if we paid {$100.00} they would send someone to do a home value assessment and that this was only a formality and we were at a 78 % LTV ratio. We went through the process only to find that this was not the case. The home was valued at $ XXXX exactly! which represents a {$3000.00} loss over a period of 6 years despite over $ 15k in home improvements, and put our LTV at 80.03 %. Just enough to refuse removal of PMI.This valuation is inconsistent with other recent valuations in our development. On further investigation at US Bank I uncovered that 80 % of these requests are rejected, according to employee XXXX. It is my belief that US bank is complicit in creating a false situation in order to either provide business for the company XXXX XXXX a XXXX XXXX company or they are attempting to " cover their bases '' in order to manage the risk on these loans in order to keep them packaged within higher grade traunches reducing risk structure for the bank.

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 2019-03-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: AmeriCollect
State: MI

Complaint narrative:
AMERICOLLECT INC. ( ON BEHALF OF XXXX XXXX XXXX XXXX ) IS TRYING TO COLLECT AND CLAIM TWO DIFFERENT AMOUNTS THAT ARE OWED ACROSS TWO DIFFERENT CREDIT REPORTING AGENCIES. 

ON THE LATEST XXXX  CREDIT FILE, AMERICOLLECT INC CLAIMS THAT A TOTAL OF USD XXXX WAS OWED AND POSTED A COLLECTION ON MY ACCOUNT FOR USD XXXX. 

I TOLD THE REPRESENTATIVES I SPOKE WITH THAT I HAVE NEVER RIDDEN IN AN AMBULANCE BEFORE AND MY IDENTITY AND MEDICAL HEALTH INSURANCE CARDS WERE LOST OR STOLEN AND SOMEONE MADE 8 ADDITIONS TO MY POLICY PLANS AND ADDED 8 ADDITIONAL DEPENDENTS BUT THE REPRESENTATIVE WAS JUST INTERESTED IN GETTING HER SHARE OF THE COMMISSION FROM THE COLLECTIONS AMOUNT. 

THE SAME COMPANY AMERICOLLECT INC REPORTED ON XXXX  THE SAME DEBT BUT FOR THE MAXIMUM OF USD XXXX INSTEAD OF USD XXXX FOR THE SAME ACCOUNT COLLECTION ON BEHALF OF XXXX XXXX XXXX XXXX. 

THEM CLAIMING TWO DIFFERENT ARBITRARY AMOUNTS UNJUSTIFIED THAT IS SO FAR APART FROM EACH OTHER ( OVER XXXX USD DIFFERENCE ) INDICATES THAT THIS COMPANY AMERICOLLECT INC IS BEING FISHY AND JUST PULLING FIGURES UP FROM THE AIR WITHOUT ANY CONCRETE BASIS OR JUSTIFICATION AND I WILL BE ATTACHING BOTH XXXX  AND XXXX DOCUMENTATION TO THE CFPB TO SHOW HOW ARBITRARY THESE COMPANIES JUST CHOOSE WHAT AMOUNT THEY WANT TO USE TO HARASS YOU TILL YOU CAVE IN AND PAY UP. 

I HOPE THE CFPB ON THE STATE ATTORNEY 'S OFFICE WILL PROSECUTE THEM CRIMINALLY FOR THEIR MISCONDUCT AND FRAUDULENT PRACTICES OF COLLECTING ARBITRARY AMOUNTS THEY CLAIMED IS OWED.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: Fidelity National Information Services, Inc. (FNIS)
State: WA

Complaint narrative:
I recently asked XXXX  Consumer ID : XXXX .for my consumer report because i applied for 2 credit unions and was denied due to the contents of my report. I know i had nothing negative on my report so I was surprised when those Credit Unions turned me down for membership no thanks to a credit lookup they did on my XXXX report. Apparently there are 2 inquiries that are past 2years! Credit repositories are only supposed to hold inquiries for 2years. Credit inquiries are required by law to remain on your credit reports for 2 years. 1 ) Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2 ) Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX. The list of following Inquiries are ones I dont recognize at all! and I didnt authorize to pull my XXXX  report. Per FCRA 604 To my knowledge, I have not signed any documents authorizing these organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.. Either Validate this data with them which i assure you they WONT BE ABLE TO! or delete the following as soon as possible as it has hurt my ability to obtain credit and goods both which are punishable by federal law. 1 ) UNKOWN Inquirer : XXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 2 ) 1 ) UNKOWN Inquirer : XXXX XXXX  Inquiry Date : XX/XX/XXXX 3 ) 1 ) UNKOWN Inquirer : XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX 4 ) UNKOWN Inquirer : XXXX XXXX Inquiry Date : XX/XX/XXXX, XX/XX/XXXX, XX/XX/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 2019-03-21 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: MI

Complaint narrative:
XXXX XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY XXXX  CREDIT REPORT, XXXX CLAIMS I OWE XXXX XXXX XXXX BUT ON MY EXPERIAN CREDIT REPORT XXXX CLAIMS I OWE XXXX XXXX XXXX 

XXXX JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.

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 2019-03-21 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Finance System of Richmond, Inc.
State: MS

Complaint narrative:
My score dropped 62 points once finance says reported information. My credit score should have not dropped that many points

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: AmeriCollect
State: MI

Complaint narrative:
AMERICOLLECT XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY XXXX  CREDIT REPORT, AMERICOLLECT CLAIMS I OWE XXXX USD XXXX BUT ON MY XXXX  CREDIT REPORT AMERICOLLECT CLAIMS I OWE XXXX USD XXXX. 

AMERICOLLECT JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: MI

Complaint narrative:
XXXX XXXX ( FROM WISCONSIN ) IS COLLECTING ON BEHALF OF XXXX XXXX XXXX XXXX AND DOES NOT HAVE A CONCRETE FIGURE HE OR SHE IS SUPPOSED TO COLLECT FROM CONSUMERS BUT JUST POSTING ARBITRARY PRICES FOR THE EXACT SAME COLLECTION ACCOUNT. 

ON MY EQUIFAX CREDIT REPORT, XXXX CLAIMS I OWE XXXX XXXX XXXX BUT ON MY XXXX  CREDIT REPORT XXXX CLAIMS I OWE XXXX XXXX XXXX. 

XXXX JUST SEEMS TO BE PULLING XXXX OUT OF THEIR XXXX AND HAVE NO SOLID FOUNDATION TO BASE THEIR COLLECTION EFFORTS ON. I AM FILING A COMPLAINT WITH THE STATE ATTORNEY GENERAL 'S OFFICE IN WI.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
Fifth third bank paid a XXXX $ overdraft on my behalf and charged my account XXXX $ and an XXXX $ daily fee. I asked that they close my account in XX/XX/XXXX but they refused and kept charging me. 
Now i owe them XXXX $ and are threatening to report to credit berau.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Chrysalis Holdings LLC
State: TN

Complaint narrative:
New Day USA, XXXX XXXX XXXX XXXX, XXXX, MD XXXX, Telephone : ( XXXX ) XXXX sends me a piece of mail marketing almost every other day. I have NEVER contacted them. That company is known for predatory lending - they convince veterans and other elderly that a loan will help them and convince them to finance their mortgage. The person then ends with much more debt than what they had before. 

I do not mind receiving an occasional offer from legitimate companies but this company is simply too much. I shred and throw away all their letters, I never respond, you would think they would have taken the hint by now. 

Please help consumer by giving us a place where we can report these annoying and damaging to the consumer, companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Home Point Financial Corporation
State: TX

Complaint narrative:
On or about XX/XX/19 made a payment which made my Loan to Value ratio 78 %. The significance of this means that the PMI should come off of my payments moving forward. I have sent several emails to the company and they refuse to acknowledge me, leaving the PMI still on my upcoming payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This report is to highlight my view of Experian and their interaction with people whose information they collect. 

Background : My personal birthdate information was displayed incorrectly on my information on the Experian web site. They have a dispute link to report incorrect information. I used this link and reported the issue, and provided an approved government issued document to provide the correct information. 

Problem : Experian sent me an email ( XXXX ) dated XXXX XX/XX/2019, XXXX XXXX. This email stated Hi ( my name ), your dispute results are ready, your disport report number ( number withheld for this complaint ) results are ready for review. And then they have a link to click to view results. I opened the link to review results, and the results had not been corrected. 

Problem Two : After some amount of difficulty, I was able to speak to a live dispute representative, and explained the entire scenario to them, including the dispute report number, the fact that I had received an email informing me that the result of the dispute are ready for me to review, and that the dispute had not in fact been corrected. 

The representative explained to me that the results would not be updated for approximately 30 days due to the type of Experian membership I have. I asked her, why Experian sent me an email stating the dispute results are ready for my review if the report has not been updated for my review. 

Basically at that point, the dispute representative hung up the phone without further explanation. 



My general view of this interaction : Experian does not value nor respect the people whose data they collect. I believe to Experian, my information is nothing more than a data point that they use and sell to other financial institutions. I do not have the ability to take my business to another credit bureau, there are no commercial consequences to Experian for their misbehaver in their treatment of the data points they collect. 

Experian lost control of my personal data some years ago, and since then, I have experienced several attempted identity fraud events which I have reported to local law enforcement. Experians solution to this was a one year free credit monitoring service, but I can for a fee of {$19.00} per month contract with Experian to provide additional identify coverage to resolve a problem that they created. It reminds me of the protection racket run by criminals, they would damage or rob your store and then later they would approach the business owner and offer protection from future damage or robberies from occurring for a monthly fee.

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 2019-03-21 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: NC

Complaint narrative:
I have filed a complaint against XXXX XXXX. XXXX XXXX   illegally added their company to three credit bureaus. Experian, XXXX and XXXX. All three credit bureaus added the above as a derogatory mark on my credit, therefore bringing my credit score way down. They did not get the proper documents from XXXX XXXX to add this to my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-21 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: NC

Complaint narrative:
Last year i was noticed a company call XXXX XXXX XXXX XXXX was on my credit report. I wrote a letter of validation of debt and was sent Certified mail on XX/XX/XXXX and was delivered at XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX Delivered, Front Desk. I will attach letter below. 30 days later the information was taking off on credit report then put back on my credit report on Equifax. I sent proof to Equifax via mail and fax but still has not been taking of my credit report it is now XX/XX/XXXX. XXXX XXXX XXXX XXXX has not provided me with original contract and security agreement and according to Fair Debt Collection Practices Act. Equifax have not done anything to resolve this simple task because i have done all the work for them. They have cause emotional stress and time lost when i have been trying to send them the documents for them to take the items off my credit report. I again faxed information to Equifax XX/XX/XXXX we will see if they do not receive the documents again!

Company response to consumer: Closed with explanation