vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Grain Technology, Inc.
State: PA

Complaint narrative:
This company is unethical back in XXXX I was going through the process of buying a house. During that time I was informed by my lender that I had to close my business account and transfer everything to my personal account due to my business failing in 2020. This requirement was via the lender and is what I needed to do in order to get approved. As requested I reached out to all my creditors in a timely manor to ensure no late fees, or payments we're associated with my account during this process. I reached out to Grain Technology in early XXXX to inform them that I will need to switch my account to another one to continue paying them on time because this account was completely virtual and everything was handled through my account. Not only did Grain not reach back out to me they sent me multiple broken links to change over my account and when informed of these broken links I would only get an automated message. I went through extreme lengths to reach out to them even via their social media and I would only get someone saying they will reach out to me. I also have seen that this is a common practice and MANY people have been trying to reach out to them because of this my account is marked as 60 days late when I have been trying to reach out to them constantly for at least 3 months. At this point I've done my due diligence and now my credit has taken a huge hit all because they do not have the adequate customer service

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: BARCLAYS BANK DELAWARE
State: AZ

Complaint narrative:
Greetings, I come in Good Faith, so Barclays Bank Delaware better known as XXXX XXXX XXXX denied to extend me the consumer natural person credit on XX/XX/2022. After receiving the denial letter on XX/XX/2022 adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act, which is codified in title 15 U.S.C 1692k. They are subject to criminal liability of for violating 15 U.S.C 1691, as I have proof that I was discriminated against by Barclays Bank Delaware due to the response I received. Barclays Bank Delaware is in violation of title 15 U.S.Code 1642, U.S.Code 1681m and 12 CFR 1002 because I, the consumer made a application in GOOD FAITH, but credit was not issued. Furthermore because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( UNAUTHORIZED USE OF CREDIT CARD ) on behalf of Barclays Bank Delaware. If Barclays Bank Delaware fails to make any reasonable procedures to resolve this matter and compensate me for the use of my credit card. I will indeed make Barclays Bank Delaware criminally and civilly liable for all actual damages pursuant to title 15 U.S.C 1681n and 15 U.S.C 1681o.

I will also follow up with an invoice for said violations ( XXXX ) per violation ).

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 2022-09-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: CT

Complaint narrative:
4 weeks ago I changed phones and downloaded the chime app to my new phone I logged into my account and noticed I could see any of my information so upon further instructions I called the number they provided for help they closed my account with money in my account I emailed their support staff and sent them many documents some they didnt even ask for and the emails have gone back and forth for 4 weeks now every day they ask for something and I provide it and still my account is closed I dont know what else to do about this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXX has me at a score around XXXX. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no 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 non-monetary relief
Consumer complaint received 2022-09-20 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: TX

Complaint narrative:
I recently ordered my consumer credit file from Transunion, XXXX and XXXX and notice these late payments with XXXX XXXX ACCT # XXXX. I am requesting all be removed from my file this finding has caused XXXX, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 


15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on you in the first place. 

The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the comp corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.

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 2022-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CO

Complaint narrative:
Within in 3 months of closing our loan was sold to another company, we do not know who because the loan servicing company will not give us the name. We noticed that the payment was not accurate and the monthly payment increased by {$330.00} with no explanation. Part of the change was a change in our insurance company but we still could not get them to explain what changed. So we contacted the tax office to get our yearly tax amount, approximately {$190.00} a month and we know what the monthly is for insurance, right at {$200.00}, and we know what the monthly principal and interest is, which is {$720.00}, that should total around {$1100.00}. We are paying {$1300.00} a month?? 

In XXXX we changed insurance companies and our insurance did increase from {$1400.00} to {$2400.00}. So we understand that the monthly payment would go up by about {$100.00} but it went up by {$330.00}. 

We got them to send us a disclosure statement, dated XXXX that said we had an escrow shortage of {$2800.00}, how did that happen, we closed in mid XXXX and this was 2 months later. We did change the insurance after the loan closed, and when we changed it we paid for the insurance in full, the mortgage company did not allow that and sent the money back to the insurance company but at no time were we without insurance or missed any payments. I feel like this has a lot to do with the issue but we can not get them to help us or explain it. 

On that same disclosure statement we noticed that in XXXX it shows {$310.00} was deposited in our escrow account, in XXXX nothing, in XXXX {$310.00} again. It says our account balance as of XXXX is negative {$1200.00}?????? 

They are charging our escrow account {$640.00} a month but only {$400.00} is going into it, again I don't understand. 

We have contacted them about every 3-4 weeks since XXXX to get them to explain the issue, the first time they agreed and could not figure out why so they said they will ask for escrow analysis and get back to us, no one does. We call again, this time they say our escrow is short, that is why we have to pay more, why is it short we ask, we have not missed a payment on anything, they say we will need to request an escrow analysis to let you know, we will call you back, no one ever does. we Have done this so many times and can never get any help or explanation. The last time we called they said that even though we were paying an extra {$330.00} a month towards escrow we will still be short at the end of the year, how is that possible?? They will not tell us the name of the actual owner of the loan/mortgage company, they will not give us a copy of an escrow analysis, we don't know how else to resolve this issue.

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 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I accidentally entered a duplicate credit card payment. Therefore I had XXXX scheduled credit card payments. I did not want XXXX of the payments to go through. I reached out to the merchant and the merchant said because the payments were already processed that I could not stop them. The merchant informed me that the payment will likely be returned if there is not enough money in the account to cover the payment. I knew my checking account did not have the funds to cover both credit card payments. 

I was shocked when I discovered that my account had been overdrawn close to XXXX to cover the payment. I immediately transferred funds from my savings account to cover the overdrawn balance. I called Bank of America and the best solution that offered was to stop payment on one of the transactions and I would be charged a {$30.00} fee for the stop payment Bank of America could not guarantee a stop payment. Because I deposited money into my account, correcting the overdraft, the payment could not be rejected.

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 2022-09-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CREDIT ACCEPTANCE CORPORATION
State: WV

Complaint narrative:
I have filed a complaint with Credit Acceptance Corporation and the complaint is open with CFPB awaiting the companies response. I was reached out to buy XXXX XXXX by telephone and email whom I did speak with and I think we resolved the credit reporting issue however now they have locked me out of my account and I can no longer see the loan status, payment status, early pay off amount or anything pertinent to my loan on there Website. I am ahead on my loan and paid up until XXXX or XXXX of 2023 and I'm not sure what there cooking up behind the scenes while I have been locked out of my account for simply opening a complaint with the CFPB but from all the complaints currently available to the public about this company they are very untrustworthy and I want it to come to a halt immediately. I was told by XXXX XXXX the Compliance Analyst that if I wanted to see my account information online again that I would need to cancel my initial complaint with the CFPB about there credit reporting tactics. What this company is doing is unlawful and I am protected as a consumer from these tactics so this is an easy problem to fix however I feel it is escalating and it does not need to when the loan is XXXX dollars away from being paid off.

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 2022-09-20 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: KY

Complaint narrative:
Third party creditors on my report dont no how they got my information nor did I give my consent I ask for the original contract I have an they yet to show me poof of that so I would like all third parties collection agencies removed please 623 ( a ) ( 7 ) 15 U.S.C. 1681s2 621 15 U.S.C. 1681 did not receive a Model XXXX XXXX XXXX notice!!!

15 USC 1692 ( D ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 15 U.S.C1692c 15 USC 1681a ( 2 ) ( a ) ( i ) 15 USC 1666 The right to erasure Articles 17 & 19 of the GDPR Pursuant 15 USC {$16000.00} 2 ( A ) i )

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 2022-09-20 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: Spring Oaks Capital, LLC
State: KY

Complaint narrative:
Third party creditors on my report dont no how they got my information nor did I give my consent I ask for the original contract I have an they yet to show me poof of that so I would like all third parties collection agencies removed please 623 ( a ) ( 7 ) 15 U.S.C. 1681s2 621 15 U.S.C. 1681 did not receive a Model XXXX XXXX XXXX notice!!!

15 USC 1692 ( D ) 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 15 U.S.C 1681s-2 ( a ) ( 1 ) ( a ) 15 U.S.C1692c 15 USC 1681a ( 2 ) ( a ) ( i ) 15 USC 1666 The right to erasure Articles 17 & 19 of the GDPR Pursuant 15 USC {$16000.00} 2 ( A ) i )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no 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