vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: ID Analytics, Inc.
State: FL

Complaint narrative:
I was recently denied a car loan due to the credit scoring model used by Sagestream LLC. My FICO scores with the 3 major credit bureaus are all above 760 and I received a denial letter from XXXX XXXX   stating they could not approve me for an auto loan due to my credit score obtained from Sagestream.  They provided a score of XXXX, MORE THAN 200 POINTS LOWER than what the big 3 credit bureaus have on my record. There are numerous complaints about this company 's fraudulent credit scoring system and I would like to add another complaint to the list. If the credit world had to rely solely on Sagestreams credit model, most of us would not be able to finance anything. This company is a scam and should not be providing such ridiculous and fraudulent credit scoring to companies such as XXXX and many others.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Contacted Bank of America through XXXX XXXX in regards to the balance owed. Bank of America never contacted me about the {$37.00} balance owed or was shipping the documentation to the incorrect address. My current number is the number I have had for more than 6 years, and I have no record of being contacted by them.

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 2019-09-08 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: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I had a mortgage with MB Financial from XX/XX/XXXX-XX/XX/XXXX. During that time, they erroneously reported my mortgage as late twice. The first occasion was 60 days late in XXXX and XXXX of XXXX. I have always had auto bill pay, and have record of all on time payments. During the time period in question, I was notified halfway through XXXX that my payment amount had changed by {$12.00}. After numerous calls to the company, they were unable to confirm why that was. A week later I received a notice that I had a late fee due to non-payment. They told me that because the payment was short that {$12.00}, the deducted the entirety of my mortgage from my escrow account, and did not apply any of it to my principal. While I found this ridiculous, on XX/XX/XXXX ( within 30 days ) I paid the entirety plus fees. I was, thus, never late. I have all statements to prove as such. I have reported numerous times and it remains on my credit. 

Additionally, in XXXX of XXXX I was amidst a refinance which I thought would be done by the XXXX, leaving me with no payment. When it took longer, I paid it mid month ( the XXXX ). Nonetheless, they reported me 30 days late. I called them immediately when I saw this on my credit, and they assured me it was an error and would remove. I have two letters stating as such. They assured me they reported this to every agency, but that they did not receive a response. 

In XXXX, they were purchased by another bank. This bank has also notified all credit reporting agencies that I was not late in EITHER instance, however as of XX/XX/XXXX only XXXX had responded. 

I am requesting that this be investigated. I have proof that all payments were on time, and have letters from my original bank stating that this was in error and that they had notified reporting agencies. I have submitted this documentation every time I dispute. XXXX never even opened my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express serve closed my account for unexpected reasons unknown. My payroll check was directly deposited into the account. When they closed the account I still had a significant amount of money that I was not able to get to because they ( AmEx ) locked my account from being logged into. As well as locked the card from further transactions. When I contacted AmEx regarding issues at hand I was given the run around. The issue had not be resolved and AmEx even blocked my contact number from being able to contact AmEx. I have called AmEx from a different number and still the issue has not be resolved. I do have conversations recorded where a manager from the AmEx XXXX branch in the XXXX actually stated a balance amount that was left in my locked account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On or around XX/XX/XXXX a withdrawal from my checking account was transferred to an external bank account for a name of a person my wife or I have never heard of in the amount of {$1600.00}. And another on XXXX XX/XX/2019 for {$1600.00}. My wife noticed and notified me. I called Navy Federal Credit Union and file a fraud claim with them that day. The payment that was deducted that day was returned to our account a couple of days later. I was told someone accessed our account and it was with an email we had never used. We were not notified of the change to our account we have had for about 20 years. The security department took the claim and looked into it and told us there was no error, but they did not talk to us and we were never notified when the new access to our account was established. No explanation was provided about the transactions or what they investigated only that their was no error and we were responsible for the funds. I set up the first ever external bank account to transfer fund to and did that in person at a navy federal in XXXX off of XXXX XXXX. and transferred the funds in person and the second time too. Find it suspicious it all happened around this time that is when someone accessed our account with other emails and I was not notified. Security department has provided no information other than no error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Credit Adjustments Inc
State: NY

Complaint narrative:
In XX/XX/XXXX, I contact Credit Adjustments after having my wages garnished {$140.00} ( i'm biweekly so it was actually {$280.00} a month ). I explained that I could not afford that and my other bills were backing up ( I had already had my car repossessed once because I couldn't afford to pay it ). I was told that I could pay 5 payments of the agreed $ XXXX/month then I would be back to current and my wages would not be garnished anymore. I would then go on a $ XXXX/month plan and credit organizations would be notified and so would my work. It was my understanding the payments were consecutive and I should be done in XX/XX/XXXX. I even confirmed with this woman on my case and she said " yes, that's what that meant ''. I continued with the wage garnishments with the understanding they would end fairly soon. 

In XX/XX/XXXX, I noticed they were still taking the full garnishments and I was told the person I spoke to previously hadn't told me the truth and it was 5 monthly garnishments NOT based on every paycheck so I would be done by XXXX instead. This is when I was officially signed on to the repayments and {$10.00} were taken every paycheck. On XX/XX/XXXX, I called Credit Adjustments and spoke to someone 4 times that day ( I have record in my phone ) and they told me that I just had to get to the week of XX/XX/XXXX and I would have fulfilled the loan requirements and again they didn't understand why the previous person had told me differently. 

As of my paycheck on XX/XX/XXXX, a garnishment was still taken out. I called on XX/XX/XXXX and was told that the people I spoke to on XX/XX/XXXX had not put in a " stop garnishment '' request for me even though I had asked them to do so when they told me it would end in XXXX. On XX/XX/XXXX I was told that they could NOT refund my money because a " stop garnishment '' request had not been put through and they can only refund after this request is put through and a garnishment occurs. Even though this person admitted that he saw that I had called on XX/XX/XXXX several times. 

I have been dealing with this for 9 months at this point and I get a new story every time I call. I can not afford to continue to do this. I have been late on my car payment several times and this is tanking 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
Consumer complaint received 2019-09-08 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: MD

Complaint narrative:
XXXX - XXXX XXXX {$1300.00} Transunion XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

XXXX - XXXX XXXX XXXX {$870.00} Transunion - XXXX  XXXX XXXX {$870.00} XXXX XXXX XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on XXXX it shows XX/XX/XXXX but then there is payment history after that date, XXXX  says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, Transunion says the account was charged off XX/XX/XXXX after being late for 90 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 2019-09-08 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: MD

Complaint narrative:
XXXX - XXXX XXXX {$1300.00} XXXX XXXX XXXX {$1300.00} Experian XXXX XXXX {$1300.00} XX/XX/XXXX, The account was transferred/sold to a debt collector, i informed all 3 CRA 's that there shouldn't be a balance, past due balance, and a scheduled monthly payment on a closed, and transferred/sold account. But there have responded saying the account meets FCRA even after i sent them proof of the letters from the collectors. Additionally, 3 years worth of payment history is missing, they removed from XX/XX/XXXX to XX/XX/XXXX and are reporting XX/XX/XXXX as the date the account was charged off/closed when the actual date the account closed is XX/XX/XXXX. 

XXXX  - XXXX XXXX XXXX {$870.00} XXXX  - XXXX XXXX XXXX {$870.00} Experian- XXXX XXXX XXXX {$870.00} The account was sold to XXXX XXXX XX/XX/XXXX but it is still reporting a balance, and a past due amount. There are also other various inaccuracies that i have pointed out to the credit reporting companies such as the date which the account was closed, on XXXX it shows XX/XX/XXXX but then there is payment history after that date, Experian says account was charged off in XX/XX/XXXX after the account defaulted for 60 days, XXXX  says the account was charged off XX/XX/XXXX after being late for 90 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 2019-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
There is {$500.00} in my checking account with Navy Federal Credit Union.When I attempted to withdraw {$500.00} this morning at an ATM machine the transaction was declined.It would not disburse the money, Said account was " restricted '' .Same thing at a second ATM machine.I called the Credit Union and was told my account was frozen and I could not get the money out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: AL

Complaint narrative:
Ive been on going with Experian for going on two years. Ive sent in letters and even did disputes online. The other two credit bureaus investigated these same two companies and they were removed. However, Experian will not remove and has blocked me from being able to dispute them anymore!

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 2019-09-08 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: FL

Complaint narrative:
Contacted XXXX XXXX by mail asked them to remove all late fees, nothing was sent back so by law that was a consent to remove all late payments. The payments all have been brought to a positive balance however, they took my money and didnt produce or perform their obligations to remove all late payments. 
Called by phone and the representative informed me that he was going to send my concerns to another department.

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 2019-09-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Williams & Fudge, Inc
State: PA

Complaint narrative:
I attended XXXX XXXX XXXX - to mid XXXX. I was using FASFA and other student aid that covered my tuition balanced. Fall / Winter of XXXX my school location XXXX XXXX was closed. XXXX XXXX filled for bankruptcy which caused multiple campuses to close down. Due to the school closing and only being a semester away from obtaining my degree I could not and did not receive my XXXX from XXXX. On the FASA / STUDENT AID websites has laws and forms stating that if a school closes before obtaining a degree you do not have to pay your student loans back. This summer of XXXX Ive been contact and harassed by WILLIAM & FUDGE saying that I owe them money. Apparently XXXX sold my account balance or they bought out my balance ( that I do not owe ). When I explained to them why I shouldnt owe a balance I was accused of lying and acting immature. 

Being told by an employee of WILLIAM & FUDGE you need to stop acting immature and figure out how youre going to pay us our money ~ XXXX XXXX. 

Well, thats not true youre lying because XXXX XXXX is obviously still opened ~ XXXX XXXX Not only am I being harassed but the two phone calls that Ive received from them their behavior was disgustingly out of line. Also, being accused of lying and saying that I agreed to pay which I never agreed to. I have no choice to believe that WILLIAM & FUDGE is apart of the politics that are currently against my family. There is no reason on how I owe the Art Instiute money when I have documentation on my FASFA that my tuition was covered. I also received a grant from the XXXX XXXX that covered my art materials. There is no such thing as me owing a personal balance if there was no personal charge to begin with. Even in the document that was emailed to me the numbers did not make sense. I went to go review the document again and it appears as unavailable. It seems very suspicious and I believe they are messing with numbers. There is no way my account should have a charge or balance. Also, if I owed a balance to AI I should not have ever received my official transcripts from them. 

This file contains my document that was emailed to me about my balances that is now no longer available. I cant even see my balance for myself. I do not trust this company at all! Seems very suspicious. Its no way I owe my school money at all. 

These are also the reviews about WILLIAM & Fudge. Other people have experience this same tacky behavior and believe they are also suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Dream Center Education Holdings
State: PA

Complaint narrative:
I attended XXXX XXXX XX/XX/XXXX - to mid XX/XX/XXXX. I was using FASFA and other student aid that covered my tuition balanced. Fall / Winter of XX/XX/XXXX my school location XXXX XXXX was closed. XXXX XXXX   filled for bankruptcy which caused multiple campuses to close down. Due to the school closing and only being a semester away from obtaining my degree I could not and did not receive my XXXX from XXXX. On the FASA / STUDENT AID websites has laws and forms stating that if a school closes before obtaining a degree you do not have to pay your student loans back. This summer of XX/XX/XXXX Ive been contact and harassed by XXXX XXXX XXXX saying that I owe them money. Apparently XXXX sold my account balance or they bought out my balance ( that I do not owe ). When I explained to them why I shouldnt owe a balance I was accused of lying and acting immature. 

Being told by an employee of XXXX XXXX XXXX you need to stop acting immature and figure out how youre going to pay us our money ~ XXXX XXXX. 

Well, thats not true youre lying because XXXX XXXX is obviously still opened ~ XXXX XXXX Not only am I being harassed but the two phone calls that Ive received from them their behavior was disgustingly out of line. Also, being accused of lying and saying that I agreed to pay which I never agreed to. I have no choice to believe that XXXX XXXX XXXX is apart of the politics that are currently against my family. There is no reason on how I owe the XXXX XXXX money when I have documentation on my FASFA that my tuition was covered. I also received a grant from the XXXX XXXX that covered my art materials. There is no such thing as me owing a personal balance if there was no personal charge to begin with. Even in the document that was emailed to me the numbers did not make sense. I went to go review the document again and it appears as unavailable. It seems very suspicious and I believe they are messing with numbers. There is no way my account should have a charge or balance. Also, if I owed a balance to XXXX   I should not have ever received my official transcripts from them. 

This file contains my document that was emailed to me about my balances that is now no longer available. I cant even see my balance for myself. I do not trust this company at all! Seems very suspicious. Its no way I owe my school money at all. 

These are also the reviews about XXXX XXXX XXXX. Other people have experience this same tacky behavior and believe they are also suspicious.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-08 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: AR

Complaint narrative:
My Equifax credit report is reflecting random fake payments ( mostly late ) on an account that was paid off and closed in XX/XX/XXXX. The lender, XXXX XXXX XXXX, suddenly started reporting payments again in XXXX and continue to do so. I have sent numerous challenges to the creditor, but they keep responding that the information reported is accurate. I have also initiated several disputes with Equifax, but they keep saying the dispute has been resolved. Yet, the inaccurate information remains on my credit report. Neither the creditor nor the credit bureau have taken this investigation seriously, and my credit score is being negatively impacted by the multiple recent delinquent payments that are being inaccurately reported. 

I am not sure how I am supposed to prove that I am NOT making payments to a creditor, but this information needs to be corrected. This has dragged on too long, and I dont even understand why a credit bureau would allow a creditor to randomly start reporting payments on an account that is reported as closed with a {$0.00} balance. The reporting even shows a status of Paid and Closed with a {$0.00} balance, and last activity in XX/XX/XXXX. So why are they reporting payments in XXXX and XXXX? These are completely made up payments, as I do not owe XXXX XXXX XXXX any money, nor have I made any payments to them since XXXX. Equifax is the only credit bureau showing these fake late payments on my report. The other bureaus are reflecting the account accurately.

Company response to consumer: Closed with explanation