vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 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: AES/PHEAA
State: SC

Complaint narrative:
In your response to my previous complaint, you stated that based on your " thorough review '' forbearance was requested after the loans were reported which restored my account to a current status from the time it was applied. Which does not allow a retraction of adverse credit information that was accurate at the time of the reporting. 

I have a notice from XXXX, dated XX/XX/XXXX, that states you have received and processed my recent forbearance request. In addition to that, I also received the " Forbearance Loan Declaration '' which outlines the details below. 

XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : Delinquency Forbearance XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX XXXX XXXX Approved : Delinquency Forbearance XXXXXXXXXX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX As you can see, the loans that are being reported as past due were in fact approved for retracted forbearance. By failing to update previously reported information, XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the 2 accounts showing late payments from XX/XX/XXXX- XX/XX/XXXX be updated and/or corrected and removed to accurately reflect my payment status.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, Texas XXXX Amount Due : XXXX Account XXXX Letters sent with Certified mail receipts in which there was no response : XXXX / /XXXX , Transunion , XXXX , asking XXXX to produce documents XXXX / /XXXX, Transunion, XXXX, asking XXXX to produce documents XXXX //XXXX, Transunion, XXXX, asking XXXX to produce documents XXXX /XXXX, Transunion, XXXX , asking XXXX to produce documents E-mails and phone calls made to XXXX from XX/XX/XXXX to XX/XX/XXXX no response. 
E-mail with return receipt to certify that the credit manager read the e-mail, stated that if I don't hear back from you by the end of the business day this debt is considered resolved and null and void. 
I gave XXXX two business days and they still do not respond, by virtue of the correspondence they have accepted the terms of the e-mail.

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 2018-05-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
WE ARE WRITING TO REQUEST YOUR ASSISTANCE AND SUPPORT IN WORKNG WITH OUR 2ND LENDER, BANK OF AMERICA WHO SUDDENLY DEMANDED A PAY OFF ON OUR HOME EQUITY LINE IN FULL AND KEEP REFUSING TO WORK WITH US

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 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: MA

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America, or those working on behalf of, for the interest of, or for the banks benefit, accessed my credit reports at a time when the bank claimed there was no existing relationship between myself and the bank between XX/XX/XXXX through XX/XX/XXXX and beyond. 

In addition to improper inquiries, sharing of information obtained from and through accessing credit reports for purposes that aren't allowed by law, I've had my personal, financial and private information grossly compromised due to such conduct and behavior.

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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I am disputing accounts reported by XXXX XXXX XXXX XXXX XXXX ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to XXXX XXXX XXXX XXXX , XXXX . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from XXXX  XXXX XXXX XXXX XXXX that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XXXX XXXX. In the letter XXXX XXXX XXXX XXXX XXXX XXXX stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of 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 2018-05-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: The Stark Collection Agency, Inc.
State: IA

Complaint narrative:
I am disputing accounts reported by The Starks Collection Agency INC ; Account XXXX {$460.00} and Account XXXX. Certain transactions on both accounts were not authorized as well as duplicate charges for a hotel reservation. I contacted the original creditor XXXX XXXX XXXX about these transactions. XXXX failed to dispute those transactions and closed the account and sent these two accounts to The Stark Collection Agency , Inc . I demand verification of debt. These two accounts were reported on my credit files on XX/XX/XXXX while these two accounts were still open and active. I received letter from The Stark Collection Agency INC that was forwarded through the postal service XX/XX/XXXX. The letter was dated XX/XX/XXXX with the default date of XX/XX/XXXX. In the letter The Stark Collection Agency , Inc. stated This account may be reported to a Credit Bureau but no sooner than 90 days. That statement was FALSE as they reported to the credit bureaus on XX/XX/XXXX. Their letter was dated XX/XX/XXXX. Accounts XXXX and XXXX were closed by XXXX XXXX XXXX the second week of XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Sears has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

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 monetary relief
Consumer complaint received 2018-05-08 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: TX

Complaint narrative:
I purchased a car from the seller XXXX XXXX XXXX XXXX when is was located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX on XX/XX/XXXX. I had two different cars with them, a XXXX XXXX XXXX, which lasted in my hands not even one full day with me because the car was damage. The dealer had the vehicle approximately for two week at the mechanic, at the end they coul n't fix it. So they gave me this second vehicle, a XXXX XXXX XXXX, which lasted with me approximately 3 weeks - 1 month. The car was damage too and they wanted me to pay for it no metter the siuation. I loose {$1500.00} that I gave for down payment and {$370.00} of the first monthly payment, and that same day I ended up with no CAR and no MONEY. The vehicle was financed by XXXX XXXX XXXX. Recently I tried to refinance another vehicle that I have under my name and I couldn't do it because after a whole year of not having that account anymore, the account still open on my credit report. I talked directly with XXXX XXXX XXXX, and they told me that the account was closed since XX/XX/XXXX. The account today, Tuesday XX/XX/XXXX still as OPEN on 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 non-monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
The company ( Ally XXXX ) contacted me in regards to an auto loan I had with them. I explained to the representative that I had made payment arrangements, and I had sent {$1000.00} to them via XXXX XXXX, and I would get the rest to them no later than XXXX because of a family emergency. The representative ( XXXX XXXX ) then used abusive language towards me and threatened my credit rating. As a veteran who has put his life on the line for his country, I feel that I should not have to put up with such dispicable behavior.

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 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Colony Brands, Inc.
State: MA

Complaint narrative:
XXXX XXXX has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I applied a for credit limit increase two weeks ago for my capital one venture credit card and I was denied a credit limit increase because my monthly payments are too low. I never made late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Dear Friends, I sold a home in XXXX, PA on XX/XX/2012. The property address was XXXX XXXX XXXX XXXX. My mortgage was through Wells Fargo and the Realty Company in XXXX was XXXX XXXX XXXX. My agent was XXXX XXXX. I sold the house for {$270000.00}. When we closed on the property on XX/XX/XXXX, Wells Fargo charged me the entire month of XXXX for insurance. When I raised XXXX about it, they said that the policy was to close at the end of the previous month ( that would have been XXXX ) to avoid that fee.We were not apprised of that and my agent knew nothing about it.I told them, had I known, I would have closed sooner. I then had my attorney XXXX XXXX XXXX contact them and we got no response to that inquiry. 
Wells Fargo is a corrupt company as evidenced by all the complaints and fines they have been required to pay in the last several years. I lost close to {$1000.00} on that property closing which I could have used for my expenses.. I was XXXX years old at the time, single and dependent on myself and working only part time. 
Please help me regain my lost money because it's only fair that Wells Fargo reimburse me at least the cost of insurance if not more for attorney fees. 
Thanks you very nuch and I wait with anticipation for good news!! 
XXXX XXXX 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 2018-05-08 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: SC

Complaint narrative:
In your response to my previous complaint, you stated that based on your " thorough review '' forbearance was requested after the loans were reported which restored my account to a current status from the time it was applied. Which does not allow a retraction of adverse credit information that was accurate at the time of the reporting. 

I have a notice from XXXX, datedXX/XX/XXXX that states you have received and processed my recent forbearance request. In addition to that, I also received the " Forbearance Loan Declaration '' which outlines the details below. 

DLSTFDXX/XX/XXXXApproved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLUNSTXX/XX/XXXXApproved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLSTFDXX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXXDLUNST XX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXX DLSTFD XX/XX/XXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX DLUNST XX/XX/XXXX Approved : General Forbearance XX/XX/XXXXXX/XX/XXXX DLSTFDXX/XX/XXXXApproved : Delinquency Forbearance XX/XX/XXXXXXXX Approved : General Forbearance XX/XX/XXXX-XX/XX/XXXX DLUNSTXX/XX/XXXX Approved : Delinquency Forbearance XX/XX/XXXX-XX/XX/XXXX Approved : General ForbearanceXX/XX/XXXX-XX/XX/XXXXAs  you can see, the loans that are being reported as past due were in fact approved for retracted forbearance. By failing to update previously reported information, XXXX is in violation of Section 623 ( a ) ( 2 ) of the FCRA. 

The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by furnishers, or persons who furnish information to consumer reporting agencies ( CRA ) such as credit bureaus. In particular, this section requires a person that has furnished to a consumer reporting agency information that the person determines is not complete or accurate to promptly notify the consumer reporting agency of that determination and provide any information needed to make it complete and accurate. Thus, on its face, this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point, because the section requires the furnisher both to update accounts as well as to correct. 

I am requesting that in compliance with Section 623 ( a ) ( 2 ) of the FCRA that the 2 accounts showing late payments fromXX/XX/XXXX- XX/XX/XXXXbe updated and/or corrected and removed to accurately reflect my payment status.

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 2018-05-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ocwen Financial Corporation
State: AZ

Complaint narrative:
I have file a Chapter XXXX BK back in XXXX the Mortgage with Ocwen XXXX Bank account number XXXX was included in this BK. XXXX  and XXXX  have delete this completely from the credit report. I'm having an Issue getting them to remove it from XXXX. this is affecting my loan Application.

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 2018-05-08 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
We leased a XXXX XXXX through Ally Bank ( which is now the main leasing financial bank for XXXX ). During the time we leased I was caught up in a photo enforced traffic light in Washington DC. DC DMV sent the ticket directly to Ally as they were the title holder and never sent it to me the leasee. Ally is extremely slow with their internal processing and finally sent me the ticket info almost 60 days after they received it. This was in XX/XX/XXXX when the ticket happened. I immediately contacted DC DMV and asked for the photo which they could not produce. I submitted a formal letter to them disputing the ticket which was in process. By the time Ally sent me the information the ticket went from {$150.00} to {$300.00} due to 30 day time limit to pay ticket. If I was informed in a reasonable time frame I would have been able to not only get out of a fraudulent ticket but also save {$150.00}. Ally then paid the ticket, locking me into paying the fine. I have a totally clean driving record with no tickets and had my entire family in the car. I do NOT run red lights ... .. I tried calling customer service many times to resolve. They will not send to a supervisor. I sent a formal letter with all of the information and they never responded. I finally bought out the lease in XX/XX/XXXX through a XXXX Dealership where we originally leased the car. They called Ally and got a complete buy out for the car. I got a loan, paid Ally and got the title for the vehicle. Once again, months go by and Ally sends me a bill for {$310.00}. I now have the car, title, bill of sale and Ally is looking for more money. I have tried every avenue to resolve and at lease get them to pay the {$150.00} due to their poor internal processes that created late information transfer. No one would talk about it, only tell me that I owe them this money. Recently they sent me a letter threatening to send me to collections and report me to the credit bureau. I have 800+ credit. I paid them their money but want no one else to deal with this bank. I have recently found quite a few more people that have had similar problems with them. One person I work out with recently leased a car. Their slow processing sent her the first bill in the mail ten days after it was due and charged her a late fee. Once again rude customer service and no escalation process to dispute. They are pushing their inefficiencies onto consumers without recourse and threats of ruining their 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 2018-05-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: WD Global Group, LLC
State: FL

Complaint narrative:
A person from WD Global group, name XXXX XXXX called from a XXXX me saying that they are going to present charges with the state attorney on that very same moment if I didn't pay them the amount they were requesting from an outstanding deb from XX/XX/XXXX, The guy was so aggressive and sounded so serious and professional that I give him my bank account information. Next thing I know the bank calls me saying that someone initiated several wire transfers from my account and it looked like it was fraudulent activity.. 
I refused to give him more information and contacted a lawyer, the lawyer advised XXXX XXXX to do not contact me again and to send all information regarding the deb to his office but they refused to do so. 
Then XXXX XXXX contacted my son who is an XXXX Military saying that he will be contacting his commander in chief if we didn't pay {$2500.00} that same day. We contacted the lawyer again and XXXX XXXX was advised again to address the situation formally through the lawyer but instead they started calling me using the state attorney '' s telephone number. They even left a voice message pretending to be from XXXX XXXX XXXX, State Attorney 's office saying that I needed to pay {$6000.00} dollars that same day or I was going to be arrested. 
Today, XX/XX/XXXX. They Called my son again saying that there is a arrest warrant against and they will take it of if we pay the money. 

They keep calling and being very aggressive, I landed in the ER a few days ago after a discussion with XXXX XXXX.

Company response to consumer: Closed with explanation