vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-08 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 — Investigation took more than 30 days
Company: Bayside Credit
State: CA

Complaint narrative:
I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: TX

Complaint narrative:
To whom it may concern : RE : Third Party Accusation Please be advised that I have received your computer generated response stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. So you stated in complaint XXXX that you need my authorization even though I supplied you with a police report, ID theft report and a request to block this information. 

Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 
You were advised by me that I questioned the accuracy of a few items on my credit reports. That request was submitted by menot a third party agency. 

It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. 

Additionally there is no law that states a consumer can not use a third party, so using that as your excuse is a moot point. As a matter of fact, Congress has found the whole process so overwhelming that they afford consumers the right to use a third party on their behalf if the consumer so chooses. This is why your statement is so outrageous. 

I reserve the right to sue your credit bureau for violations of the FCRA and I believe I can prove that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. 

Please take notice that this communication dated XXXX XXXX is formal notice to you that I am requesting that you continue forward with my original investigation request and send the results to me within 15 days. I therefore legally and lawfully refuse your form letter response, thus giving you only 15 days, not 30 more. 

I am outraged at your accusation and I have fully researched my rights in regards to my credit file. I look forward to your expediting my original request immediately. 

Sincerely, 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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
After carefully reviewing my credit report, I noticed a closed Capital One account that was not mine. I contacted all three credit bureaus requesting for them to remove the account. I expressed that my credit report must be accurate, verifiable, and reporting timely. They responded that Capital One sent proof that the debt was mine. I asked the credit bureaus what the document stated they responded that they could not tell me. I then sent a letter to Capital One requesting debt validation. I asked them to provide legal proof that I have done business with them such, as a signed contract. Capital One did not respond to my request.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-08 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: AL

Complaint narrative:
I have been disputing XXXX XXXX with Equifax, XXXX, and XXXX  since XX/XX/2021. XXXX is paid off, but these three credit bureaus have the wrong information reporting with a violations against my FCRA rights. Incorrect balance, balance is paid off but its reporting derogatory account. It also reporting the wrong XXXX 


I spoke with a representative at XXXX XXXX and they advise me that they sent everything to the credit bureaus for them to update. 

I will attach the documents from XXXX and my letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me

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 2021-06-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
there is a negative balance on a credit card i have no knowledge of

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 2021-06-08 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a letter to you disputing these items as erroneous and fraud on XX/XX/2021 and mailed them. I received notice in the mail that you received the dispute letter. It is now XX/XX/2021 and I have not received a response from you. You have not complied with the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ),

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
was going over my credit file and saw multiple hard inquiries on my account. None of these inquiries were authorized by me. There are numerous inquiries that Ive never heard of please have these unauthorized inquiries removed. XXXX XXXX XXXX XXXX XXXX  Mortgage XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: EQUIFAX, INC.
State: CA

Complaint narrative:
ATTN Fraud Department : Remove fraudulent accounts from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: PA

Complaint narrative:
Hello My name is XXXX XXXX. I've been urgently seeking to get my credit report to look identical across the bureaus. The only accurate snapshot of my total accounts and balances are on XXXX, which I will provide. I reached out to XXXX  and Transunion as a result nothing was done.

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 2021-06-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.

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 2021-06-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have filed a couple complaints that the loan company is reporting interest and increasing my balance owed in a simple interest loan showing my balanced owed is higher that the actual balance. This loan is not a compounded interest loan although it is being reported as such and is causing my score to drop. I usually pay my loan early and make 2 payments every month. I pay the amount due to the principal amount and pay extra for the interest on the loan. If I make a payment 10 days after the last payment made i then calculate the daily interest and add that to the payment amount. This company will report my payment then usually a few days later with report a new balance including the interest that would be owed using the date of last payment received to the date the send in the information this then will show an increase in my principal balance causing my credit score to drop. Instead of only reporting the principal balance the add the simple interest to it then report it as if it was a compounded interest loan. I have notified the company and the rep. Did not want to fix anything instead they started reporting more often to the credit report agency showing my balance as increasing making my debt to income ratio in the negative. I have explained this and still have not received any positive outcome instead it's more negative than before. I have a credit card with compounded interest and they report the balance owed not the balance and the interest even though they could. This is the only loan that does this to my credit report and I have bought several cars in the past and never ever uncountered this problem nor have I been retaliated against like this for filling a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: VA

Complaint narrative:
On XX/XX/2021, I received a notice from Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX stating that I should send them {$310.00} that I owe to XXXX XXXX XXXX for services they performed for me on XX/XX/2021. 

Knowing that I have been always covered by insurance, I checked my records and I saw that XXXX XXXX XXXX billed my insurance and got paid by them on XX/XX/2021. My portion for this bill was XXXX, which I paid with a credit card and I have the receipt for this as well. 

I believe Credit Collection Services, XXXX XXXX XXXX, XXXX, MA XXXX is trying to scam me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: AL

Complaint narrative:
I have been disputing XXXX XXXX with XXXX, Transunion, and XXXX  since XX/XX/2021. XXXX is paid off, but these three credit bureaus have the wrong information reporting with a violations against my FCRA rights. Incorrect balance, balance is paid off but its reporting derogatory account. It also reporting the wrong XXXX. 


I spoke with a representative at XXXX XXXX and they advise me that they sent everything to the credit bureaus for them to update. 

I will attach the documents from XXXX and my letters.

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 2021-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unexpected or other fees — 
Company: Skrill USA, Inc.
State: CA

Complaint narrative:
Skrill com froze my account for NO REASON. I was already verified, with I'd and everything they locked my money over XXXX dollars so I can't use it and then they started charging me fees that they have never charged in the 3 years I've been with them. They also stopped answering me and now my accounts help messages to customer support get closed immediately, nobody 's even reading my cries for help and the money is rightfully mine! I told them I would pursue legal action and they laughed at me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX 
{$610.00} Balance updated XX/XX/2021 This account does not belong to me

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: PA

Complaint narrative:
Hello My name is XXXX XXXX. I've been urgently seeking to get my credit report to look identical across the bureaus. The only accurate snapshot of my total accounts and balances are on XXXX, which I will provide. I reached out to Experian and XXXX as a result nothing was done.

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 2021-06-08 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: Self Financial Inc.
State: GA

Complaint narrative:
XXXX/Self is reporting an incorrect status on my credit reports. The account is paid. The account balance is XXXX. However, the account status is being reported as 30 - 59 days past due although the account was paid off in XX/XX/2020. The account status is WRONG.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently received a copy of my Equifax credit report, and saw inquiries that I did NOT authorize. I am requesting that these inquiries be removed immediately. Below are the following inquiries that need to be removed : Inquiry date : XXXX Creditor Name : XXXX XXXX XXXX XXXX date : XXXX Creditor Name : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 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: Thaxton Investment Corporation
State: GA

Complaint narrative:
Covington Credit is reporting a charge off account on my credit reports with a balance of {$720.00}. Note, charge off. Covington Credit charged off the account and sent /sold the account to another company, XXXX XXXX XXXX XXXX who is sending me letters for the same account and same balance {$720.00}. This company started sending letters in XX/XX/2021 so Covington Credit has had plenty of time to correct this on my credit report, but they have not. See the attached documents. Covington Credit is in violation of the Fair Credit Reporting Act. They can NOT report an account with a balance that has been charged off and sent/sold to another company. I have disputed this account multiple times and it is STILL on my credit reports with this balance. Again, see the attached documents showing the account with the balance on my credit report by Covington Credit and also the collection letter from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
The business banking checking account that I had opened with HSBC Bank in XXXX was closed without any notice from the bank in XX/XX/XXXX. 

I had received a letter from the bank dated XX/XX/XXXX stating that the bank was asking for information about all business banking accounts to help curb financial crime. The letter mentioned that I needed to respond by XX/XX/XXXX. I called the bank XX/XX/XXXX and answered their questions over the phone. I spoke with a woman named XXXX at XXXX, ext. XXXX. She asked about documentation that had been originally submitted when the account was opened in XXXX. I told her I was not sure if I still had it, but that the bank must have it because they opened the account. The call concluded with an assurance that I would be contacted if further information was required, or the documents could not be located. 

I did not hear from the bank again until they closed the account. A letter was sent via XXXX which I received on XX/XX/XXXX, stating that the account had been closed and a check for the money on deposit was included. I called the bank and spoke with a branch representative assigned to my account, XXXX XXXX XXXX, XXXX. He told me that the account could not be reinstated. He also told me that HSBC was in the process of selling its retail branches to XXXXXXXX XXXX. 

This was very unsettling as I was suddenly unable to pay my XXXX XXXX business card from the business banking account and now, I must immediately find another bank to provide business checking services. If the bank had clearly communicated to me that they were not going to keep the account open without the documents that were given to them when the account was originally opened in XXXX, I would have had time to plan and prepare for the account closing.

Company response to consumer: Closed with explanation