vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I'm reporting a serious issue with my XXXX XXXXXXXX. Ocwen has continued to report false information to the credit bureau and mishandling my private identifiable information. Each time I have to try to spend weeks collecting data to prove they made a mistake. They have " accidentally '' mailed me someones financial information mixed in with my information, as well as given my information via mail to unauthorized persons. As per, for the third time they recent reported to the credit bureau that I'm made a partial payment XXXX of XX/XX/XXXX. This significantly lowered my score ( evidence attach ). Each time Ocwen makes this mistake they state if will be corrected, but as soon as I know inquire about another lender, Ocwen again response false information to the credit bureau with 30 days of my inquiry. This time Ocwen also reported that I'm in a paying plan currently. This is absolutely false. I make full monthly payments and have not missed or been late on a payment in years. I'm not in a payment plan. I have attached proof that's Ocwen falsely reported to the credit bureau that I making partial payments. It is a federal crime to knowingly report false information. This is the third the Ocwen has done this to my account. Each time I've had to send written notifications to get it fixed. I'm now going to escalate this issue to determine if I can press charges again Ocwen for continuing to make false claims on my account to the credit bureau which effects my ability to change mortgage companies. Ocwen is on purpose violating my right with continually padding my account with negative and false information. I demand my account be fixed to reflect that I have made on-time payments and that I'm not in a partial payment plan. I also demand the Ocwen fix the false reporting they did to the credit bureau for XX/XX/XXXX - XX/XX/XXXX that I'm in a partial payment plan. The false information from Ocwen is negatively impacting my credit score. This is the second time in 8 months that Ocwen has made this mistake three times total. It must be correct immediately. I invoke my right to be notified in writing that the issues have been resolved. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
My complaint is against American Express with my XXXX rewards credit card. I verified with an agent that I had made enough purchases to qualify for an additional XXXX points and an elite status. When I did not receive the points I called on XX/XX/XXXX and was promised by the supervisor XXXX from XXXX for this to be updated and my points and status to be changed due to inaccurate information given to me by the agent. I made {$50000.00} in purchases but the agent failed to tell me that I needed to make an additional {$23.00} dollars in purchases as they deduct the credit card fee. I spoke to XXXX in Florida and he promised to adjust this. Nothing has happened.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 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: OH

Complaint narrative:
I have a previous issue with XXXX XXXX, XXXX, and Equifax. There has been several issues with this account. XXXX does not own this account I have contact the corporate office of accounts, there was no account found to update. Somewhere there is a disconnect in information and communication. I am failing to understand how there can be an updated on an account when XXXX is claiming they do not have the account in their office. I do not believe that XXXX XXXX, XXXX  and Equifax have actually done any type of simple or detail investigation. I have asked to have the status deleted from my profile deleted not updated with a bogus balance adjustment. This account need to be deleted until further noticed and proper noticed can be account for.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: OH

Complaint narrative:
I have a previous issue with XXXX XXXX, Experian, and XXXX. There has been several issues with this account. XXXX does not own this account I have contact the corporate office of accounts, there was no account found to update. Somewhere there is a disconnect in information and communication. I am failing to understand how there can be an updated on an account when XXXX is claiming they do not have the account in their office. I do not believe that XXXX XXXX, Experian and XXXX have actually done any type of simple or detail investigation. I have asked to have the status deleted from my profile deleted not updated with a bogus balance adjustment. This account need to be deleted until further noticed and proper noticed can be account for.

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 2018-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Account was closed due to fraud activity per bank of america, Check was deposit into account & funds was never withdrawn from the account and when check was returned, account was closed. Was made aware the account was overdrawn in the amount of {$64.00} on XX/XX/XXXX 30 days before account was reported to XXXX in the amount of {$1400.00}, Contacted bank on XX/XX/XXXX to dispute account was dispute was denied. Contacted XXXX on XX/XX/XXXX & XX/XX/XXXX & XX/XX/XXXX to file a dispute and dispute was denied. Please see email below received by BOA Bank of America Activity Alert PERSONAL CHECKING/SAVINGS ACCOUNT ending in XXXX Your account is overdrawn XXXX XXXX, We're letting you know your account is overdrawn and has insufficient funds. 
Here are the details of the activity : Insufficient funds amount : {$64.00} Fee assessed : {$0.00} Transaction paid : Yes Date : XX/XX/XXXX To prevent any additional fees and missed payments : 1. If you haven't done so already, deposit or transfer funds to bring your balance positive within 5 business days from the date shown above. Otherwise you'll receive an Extended Overdrawn Balance Charge. This charge would be in addition to any overdraft item fees already applied.

2. To keep scheduled online bill payments from being canceled due to insufficient funds, sign in to Online Banking Bill Pay to re-establish any recurring bill payments that weren't processed.

You can sign in to Online or Mobile Banking to review this activity, or contact us for help.

Security Icon Security Checkpoint To confirm the authenticity of messages from us, always look for this Security Checkpoint. You last signed in to Online Banking on XX/XX/XXXX.

Remember : Always look for your SiteKey before entering your Passcode. We'll ask you for your Online ID and Passcode when you sign in. 
This is a service email from Bank of America. Please note that you may receive service emails in accordance with your Bank of America service agreements, whether or not you elect to receive promotional email. 
Read our Privacy Notice. 
Please don't reply directly to this automatically generated email message. 
Bank of America Email, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NC XXXX Bank of America, N.A. Member FDIC. Equal Housing Lender XX/XX/XXXX XXXX XXXX XXXX XXXX. All rights reserved. 
This email was sent to : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
XX/XX/XXXX I filed Chapter XXXX bankruptcy. 
XX/XX/XXXX I received a Discharge Of Debtor ( s ) XX/XX/XXXX XXXX Credit Card and Citi Cards/Citibank both companies put on my credit : Date of status XX/XX/XXXX, Debt included in Chapter XXXX Bankruptcy on XX/XX/XXXX. Which is correct. 

Beginning of XX/XX/XXXX I applied for a line of credit through my bank. I was denied due to two delinquencies within the last three months, XXXX XXXX & Citi Cards Citibank. 

XXXX XXXX & Citi Cards Citibank Both companies updated my Bankruptcy to XX/XX/XXXX, so now when creditors look at my report it looks like my debt was recent. Please Help

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 2018-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
i have spoken to all the banks that i have the problems with but they do not want to work with me, i did everything they told me, i even went to the police and is costing me a big problem.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 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: STEWARD FINANCIAL SERVICES LLC
State: GA

Complaint narrative:
I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

Company response to consumer: Untimely response
Consumer complaint received 2018-02-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: GA

Complaint narrative:
I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

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 2018-02-04 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: GA

Complaint narrative:
I contacted the company concerning inaccurate information reporting to the credit bureaus. They provided me with all payments that were made on my account and when I called them wanting to know why are they reporting payments being late per the documents that were provided by there company. I was advised they were not changing the information. Im discussed with the way this company is treating there clients.

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 2018-02-04 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The agency lists multiple addresses on my credit report that is misleading and NOT accurate. I only resided at one address, which is on XXXX XXXX. The current reporting is misleading, not accurate and is in violation of several FCRA statutes.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I closed my account with Citibank and they continued to keep a recurring ACH active on my account. This ACH withdrew funds from my XXXX XXXX XXXX account into the closed Citibank account. I have no access to the funds and Citibank denies making the withdrawal. 

I have an email from Citibank with a transaction number and all the details from my XXXX  XXXX XXXX account showing they made the withdrawal. 

The account was closed on XX/XX/XXXX. They made the withdrawal on 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 2018-02-04 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: R3 Processing
State: VA

Complaint narrative:
I called a company R3 Processing to help me get a lower payment on my student loan. I completed an application with them and they gave me a username and password to the federal student aide website to check on my loan. The account manager who was handling my case said my payment would be {$74.00} a month. {$49.00} going to XXXX XXXX who they borrow money from to do the work for me and {$25.00} towards towards my student loan. I kept calling them about my application which they said could take up to 90 days. 90 days passed and they kept telling me my application was still being processed. Meanwhile I have been getting money automatically withdrawn from my bank account for {$49.00} by XXXX XXXX. I called XXXX XXXX and they told me R3 Processing said their work was completed. They said for consolidation. They did not consolidate my student loans. This was done in 1996. R3 Processing was to help me lower my student loan payments. They did not do this work. I have tried to call them many times and have left voice mails but have not received a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Credit agency lists multiple addresses that are misleading and not accurate. This is a violate of FCRA statutes.

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 2018-02-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
Passed statue of limitation New Jersey Passed Credit Card Dept. 
Was Charged Off in 2010 Total Amount {$7100.00} Due to Devoice Proceedings

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
I went to send my friends wife money for work she had done for my family via paypal. i did this on XX/XX/2018. It was {$4500.00} The paypal email she told me over the phone was correct, but i typed in the number 4 instead of the word for as she did not specifically tell me that. The money got transfered to the wrong paypal account and the user accepted it. Now that user has not answered my emails about refunding my payment. I opened a case with paypal the same day i made the transfer as we later realized it was the wrong account. and they closed it after a few days saying they did not see anything wrong with my account. Paypal makes it impossible to cancel an incorrect transaction or properly confirm emails of who you are sending payments to. The customer service reps on the phone at paypal were absolutely useless in my case, they assured me I would get my money back and i have not. I am extremly annoyed because this is a lot of money. If it had been {$20.00} i would not care, but its over {$4000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: CA

Complaint narrative:
My current loan balance has ballooned over the years. It has ballooned to an estimate 200 % since its early balance. I believe the balance has been illegally reconstructed each time it has been transferred to a new loan servicer. I also believe the balance has been fraudulently consumed with unethical interest rates used by all loan servicers over the life of my school loans. My loan has been owned by a total of 4 loan servicing companies with 3 being mandated by the US Dept of Education. 

My current loan servicer is XXXX XXXX XXXX ( XXXX ) : account # XXXX. This loan was transferred and acquired on XX/XX/XXXX. This particular loan servicing organization did not transfer the history of payments from Navient ( account # XXXX ). I was making satisfactory Income Based payments with XXXX when the transfer took place therefore increasing the monthly income based payment amounts dramatically to an entirely different amount, which was larger. The new introduced amount lets me know the interest rate was changed and the recent payments were not applied from XXXX history. 

The same situation involving my XXXX also occurred during the transfer of my XXXX account from XXXX XXXX. This transfer took place on XX/XX/XXXX. 

Also, when applying for any income based school loan I have found that the Loan Servicer does not apply all evidence on the tax forms that adjust the AGI nor do they take into account ( or inquire ) the cost of living and daily life events ie medical bills, medical premiums, rent, electrical bills, water bills, number of family members, constant increase in rent every 18 months, inflation changes based on the state of resident, etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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 — Investigation took more than 30 days
Company: American Credit Acceptance, LLC
State: GA

Complaint narrative:
in XX/XX/XXXX I Financed a car thru American credit acceptance, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation. They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-04 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
in XX/XX/XXXX I Financed a car thru XXXX XXXX XXXX, and I also got GAP insurance. Around XX/XX/XXXX the I was in a car accident and the car was totally. So I called my insurance company and my Gap insurance to file a claim. And for GAP insurance to Process your claim you must be up-to-date on your payment. so my GAP insurance paid the car off. But American credit acceptance informed the creditbureau it was a Delinquent account and it also charge off, but update it to paid charge off. They also wont do real Investigation.  They sent me my payment history. No notification on how they perform the investigacion or the outcome. And they Refused to investigate the matter. I received a letter from them in XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Stating that they would not investigate when they did not do one. And the Information reported to the credit reporting agencies is correct.

Company response to consumer: Closed with explanation