vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-08 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: IL

Complaint narrative:
Creditor Name : XXXX XXXX XXXX Account number : XXXX XXXX XXXX XXXX and Experian have been and are reporting inaccurate information on my credit report. I have been damaged and denied credit because of the inaccurate information reported by XXXX XXXX XXXX  and Experian. Experian and XXXX XXXX XXXX have been and are reporting my account as managed by credit counseling program which is not true. Recently they added the comment Credit line suspended collateral depreciation which is not true. I sent certified mail and provided the evidence ( the termination letter from the credit counseling agency ) to both Experian and XXXX XXXX XXXX that this account was a regular account and not managed by credit counseling program since XX/XX/XXXX. I waited more than 30 days to have the verifiable proof from XXXX XXXX XXXX or Experian of their inaccurate information reporting and I didnt receive it from both of them. Since neither XXXX XXXX XXXX nor Experian have a verifiable proof of their inaccurate information and it has been more than 30 days since they received the dispute, according to Fair Credit Reporting Act 15 U.S. Code Sec. 1681i ( a ) the account mentioned above should be deleted immediately. Certified mail tracking number sent to XXXX XXXX XXXX on XX/XX/XXXX : XXXX. Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Second Certified mail tracking number sent to Experian on XX/XX/XXXX : XXXX. Third certified mail tracking number sent to Experian on XX/XX/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 non-monetary relief
Consumer complaint received 2017-07-08 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: EQUIFAX, INC.
State: NM

Complaint narrative:
( copy sent to XXXX XXXX XXXX XXXX and XXXX ) I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: NM

Complaint narrative:
( copy sent to XXXX XXXX XXXX XXXX and XXXX ) I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of 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 non-monetary relief
Consumer complaint received 2017-07-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OK

Complaint narrative:
We purchased a car from XXXX of XXXX and financed it through Bank of America. After 45 days we had not received any info on the loan. We called Bank of America and discovered they were sending all our info to our old address that we have not been in for over 2 years and is in a different state. When we told them, they said it was our fault for giving the wrong address, which we did not. Then they blamed XXXX of XXXX. After calling XXXX of XXXX we confirmed that our loan application never listed our previous address. This is Bank of America not taking responsibility for their mistake. Their resolution was to send all the info to the right address but they would not extend our due date. They would not overnight it or email it so I could take care of it quicker. Then at the end of the call when she was going to give me the confirmation #, we were disconnected and she did not call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: TRANSWORLD SYSTEMS INC
State: NM

Complaint narrative:
I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from Transworld and found out I owed about {$78.00} to XXXX. I paid Transworld I believe in XX/XX/XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called Transworld a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: Exeter Finance, LLC.
State: SC

Complaint narrative:
This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that Exeter Finance has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that Exeter Finance is showing for XX/XX/XXXX. I have never been late paying my car loan with Exeter and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to Exeter for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by Exeter the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by Exeter on XX/XX/XXXX. Exeter did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for Exeter. They stated that because of all the payments that have come in, they need to remove the payment I made on XX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with Exeter. I received an overage payment from Exeter on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with Exeter and the paperwork attached is here to prove my case. This is only reporting on my XXXX  credit report and it has cause my credit score for XXXX to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
I opened the account when I was a employee at XXXX. The overdrafts happen when I left the company. When I opened the account I told the loan officer not to allow me to overdraft ( you will see what code I wrote in on the paper work with my passport on it saying i dont want to be over drafted ). But when I was no longer a employee and was using my card, I did n't realize I was over drafting my checking. What I think happened when my account was set up is that overdraft codes were changing at the time and were not classified properly and the loan officer made a mistake. I did not worry about the account because I was going to only use the money I had and put a little more every six months because that is the proper use for it so you do n't get charged a fee ( I know how the fees work obviously because I worked there ). Well right after I stopped working at XXXX I changed address. I was not notified of my overdraft charges until my mother who lived on XXXX told me I got a letter from what seems to be a debt collector. I was shocked. I opened the letter from XXXX and found out I owed about {$78.00} to XXXX. I paid XXXX I believe in XXXX ( not certain ) and they informed me I would be in good standing with the bank. I called XXXX a few days later to ask a representative if good standing meant that the bank would n't report it she confirmed yes. I went on with my life, and now that I 'm trying to open another checking account at a different financial institution, they said they cant because of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: EQUIFAX, INC.
State: SC

Complaint narrative:
This is the 2nd complaint that I am submitting against this company. I received a message from my lifelock acct that XXXX XXXX has placed a late payment for the month of XX/XX/XXXX on my credit report. I have never been late with making any payment to this account. I have issues with the company ever since the total loss of this car XX/XX/XXXX. ( you can reference my previous complaint that was filed about two weeks ago ). <P/>This letter is in regards to the late payment that XXXX XXXX is showing for XX/XX/XXXX. I have never been late paying my car loan with XXXX and I have the documentation attached to support this error. On XX/XX/XXXX, I totaled loss my XXXX XXXX XXXX. I had full coverage with XXXX XXXX as well as GAP coverage with XXXX XXXX. My insurance company sent in a payment to XXXX for the amount of {$13000.00} ( which is the amount they stated the car was worth ). This payment was received by XXXX the end of XX/XX/XXXX. My XX/XX/XXXX payment was due on XX/XX/XXXX. I was advised that even though they received a payment from my insurance company I would still need to make an XX/XX/XXXXpayment. On XX/XX/XXXX I made that XX/XX/XXXX  payment. After I made that payment, XXXX XXXX them sent another check in the amount of {$690.00} ( see attached ). My GAP company then submitted another payment for the remaining balance of {$3200.00} on XX/XX/XXXX and it was received by XXXX on XX/XX/XXXX. XXXX did not apply that payment until XX/XX/XXXX after I had to file a compliant and escalate this matter to the Office of the President for XXXX. They stated that because of all the payments that have come in, they need to remove the payment I made onXX/XX/XXXX, the payment that XXXX XXXX send for {$690.00}, and the GAP payment of {$3200.00} because they needed to apply the GAP payment first because they could not charge interest on that payment. This has been a nightmare dealing with XXXX. I received an overage payment from XXXX on XX/XX/XXXX in the amount of {$1100.00} for an overage. Not one time have I reached a 30 day late mark with XXXX and the paperwork attached is here to prove my case. This is only reporting on my Equifax credit report and it has cause my credit score for Equifax to decrease by over 50 points all because of their horrible computer system and their negligence. My credit score need to have the 50 points added back and that negative late payment removed ASAP. Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
i took out mbna bank of america credit card they froze my account for 6 months refused replacement card for a year and demand minimum payments monthly i tried to pay them in full for 6 months now i cant consolidate the company has put me in loads of debt mbna bank of america

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-08 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: OR

Complaint narrative:
It looks like my name and credit report is mixed in with another person of the same name. I am  XXXX   years old  and have no credit history at all. On my credit reports it shows i have a credit card and that I have reported  XXXX  as a place of residence, which I have never lived. It is causing me to be denied for secured credit cards to begin building my credit because nothing is matching up correctly with the information provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08 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: Experian Information Solutions Inc.
State: OR

Complaint narrative:
It looks like my name and credit report is mixed in with another person of the same name. I am  XXXX   years old  and have no credit history at all. On my credit reports it shows i have a credit card and that I have reported  XXXX  as a place of residence, which I have never lived. It is causing me to be denied for secured credit cards to begin building my credit because nothing is matching up correctly with the information provided.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I have had several on going issues with bank of America. My previous co plaint against them is still unresolved. They are consistent with having horrible customer service. When coming into the only branch in  XXXX    XXXX   there is always a hit or miss with a notary. The branch has only  XXXX  notary for the whole   XXXX   XXXX    XXXX  and if she 's not available you 're stuck going to another bank or notary service. I booked an appointment as I was instructed to do and it was cancelled because once again they had no notary. Furthermore I added an authorized user to my account and was told when I signed up for it they would be a user not a co owner now I am having to close the account just to get this person off my account. Bank of America  executive off ice someone by the name of  XXXX  has still not spoken to me directly about the previous complaint it 's a phone tag of him calling every few days and not setting a specific time to resolve the matter as I 've left voice messages requesting. Horrible bank that still wo n't honor disputed transactions.

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 2017-07-08 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Tower Loan of Mississippi, Inc.
State: MD

Complaint narrative:
I owe a loan 2 years ago in Tower Loan XXXX. Amounting more than 1000 , admit I have delinquent account to them in XX/XX/XXXX.I moved to XXXX from XXXX in XX/XX/XXXX. From there I never received any demand letter from Tower Loan XXXX, When I check my credit report in XX/XX/XXXX I saw the address tower Loan XXXX XXXX XXXX XXXX MS tell # XXXX .I contacted them to settle this account amounting XXXX $ but they said I do not have the account there I need to call XXXX Tower Loan I called and talk to the manager but said he needs to talk to their lawyer because he do not know how much I owe. They said They will call me back but since then they never called me back and I called the branch many times unfortunately they can not give me any amount I keep on calling on the branch XXXX but still do not have the amount for me to settle the loan amount.Until XX/XX/XXXXI despute the Tower Loan for collection because they can not give me information how can I settle this to the 3 credit bureaus Tower Loan verified that the item is correct so it will remain in my credit history because the company verify it correct as of XX/XX/XXXX. I called the address appeared in my credit report / history the same thing they told me I do not have an account in their office but it was reported in my credit history the address and the amount and when I called Tower Loan again in XXXX they can not provide the amount because they need to talk to their lawyer. I 've been calling them for almost a year to settle the collection appeared in my credit report but Tower Loan XXXX can not provide me the amount and the address appeared in my credit report where I owed a collection/ charge off of XXXX , my account is not listed there and they said that they can not provide me information about my charge off / collection because I do not have account to them. They reported in the 3 credit bereau as of XX/XX/XXXX and verified it correct but when I called them the same thing they will say that I do not have an account from them. Since they can not provide me how much I owe and they are not helping me to settle this account in Tower Loan, I am filling complain against Tower Loan for giving wrong information about my account and the address appear to my credit report they do not have my information and data for the said loan. I even send an email through their website customer service and dispute it to them but no actions were made. I do hope you will help me to erase/delete the wrong information that they put in my credit report.

Company response to consumer: Closed with explanation