vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX, we received delinquent notices on our property taxes. They are escrowed in our mortgage payments with United Wholesale Mortgage and not properly being disbursed. Our escrow account keeps getting higher because the property taxes are not being paid. After going back and forth between XXXX XXXX, United Wholesale Mortgage, XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX for over a month and getting no assistance from anyone we finally determined the parcel was not split and that is the reason they did not pay the property taxes for XXXX. The mortgage company only has our home and XXXX acre and the remaining XXXX acres we own. On XX/XX/XXXX the county determined they dropped the ball and did not file the deed to split the property at closing by mistake. XXXX at the XXXX XXXX XXXX XXXX corrected the problem by splitting the parcel into two accounts and providing new invoices waiving all P & I as long as the taxes were paid by XX/XX/XXXX since it was their fault. Once I received both tax invoices from the Appraisal District and Tax Office on XX/XX/XXXX I provided UWM with the new invoices and all of the details concerning the correction and deadline to pay. I have emailed them multiple times since asking when the funds would be disbursed with no response. Today XX/XX/XXXX, we received a letter from the county 's attorney stating the taxes have still not been paid. I have been advised to contact a lawyer and also file a complaint with CFPB to make sure the taxes get paid and UWM is responsible for all penalties and interest. We need assistance making United Wholesale Mortgage pay our delinquent XXXX property taxes and penalties and interest immediately please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: KY

Complaint narrative:
On XXXX XXXX I signed up for Square because a customer wanted to pay by card, and I needed a processor. The {$540.00} payment came in and on the XXXX of XXXX Square deactivated my account, without explanation, and is now holding my funds for 90 days while they get to keep any interest earned. 
Their hold is arbitrary and capricious ; ample proof was given to validate the transaction, including the original itemized invoice ; after proof was provided the resolution time of 90 days is unwarranted, unethical, and borderline theft. 
I completed one transaction with Square, only one. I have done business with the customer many times before, outside of Square, without issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Klarna AB
State: FL

Complaint narrative:
Klarna continues to act as if they are not receiving my payments and adding reminder fees to my account. I have sent screenshots of payments that were sent from my bill pay account and the dates they were sent but they continue to act like they didnt receive the payments. In the last complaint I filed, they still denied the payments received. I have called them and emailed multiple times and they do not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

XXXX5 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Global Lending Services LLC
State: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The Credit Bureaus never did a proper " investigation '' according to the FRCA. 

The term " investigation consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is accquainted or who may have knowledge concerning any items of information. 

They did not do this. 

Also. they have violated my rights even more. 

In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report. 

The Credit Bureaus stated my account was properly investigation but how is that possible if the open date is in inaccurate, the date of last active is inaccurate, and date last reported is not accurate. This grounds for removal,

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 2022-07-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
On XX/XX/2022, I saw in my credit report a remark from bank of America that I could not recognize. So I called the bank about the comments at XXXX XXXX  the same day and asked for clarification. But unfortunately, the bank refused to clarify the information. On top of that, when I insisted on explaining the report, the customer representative stopped talking and eventually hung up the phone.

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 2022-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
A report of a auto sent through XXXX XXXX is listed on my report that was included in a bankruptcy. Im have a bankruptcy showing in my report and a XXXX XXXX showing 90 days late which is incorrect. This account was paid in full and on time. This XXXX  account is only being reported by experian and needs to be removed immediately Im being penalized twice for the same 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 non-monetary relief
Consumer complaint received 2022-07-09 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: ALLY FINANCIAL INC.
State: DE

Complaint narrative:
I spoke to XXXX of the Executive Customer Relations Department of Ally Bank XXXX, option # 4, option # 8 and then extension XXXX and asked her again to remove the negative information from my credit file, as any negative reporting violates a court order which is a Property Settlement agreement approved by the XXXX XXXX Virginia Circuit Court. 

I initially thought maybe they weren't aware of this court order, but I have provided copies via a fax and now in my complaint # XXXX and after speaking with her, Ally Bank still refuses to remove the negative remarks from my credit reports. I explained that the court order says that I can not be held responsible and negative reporting on my credit report is holding me responsible. 

I replied to her email with my understanding of our conversation, and I have a copy if needed.

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 2022-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
The credit bureau is reporting inaccuracy on my report I asked them to do a thorough investigation and they did. But I also did a thorough investigation and found several inaccuracies on my report. I seen massive inquiries! such the ones below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX In accordance with the Fair Credit Reporting Act XXXX  Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
On XXXX XXXX my bank allowed someone else to say what checks wrote on my account could be paid and which ones could not be paid. 
I told the banker that I knew about this check and I okayed the check to be paid. The banker stated to my sisters the only way they would unfreeze my account was if I took my niece off the account. I said I would not do that. My sisters then removed my niece and added their selves to the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: ALLY FINANCIAL INC.
State: OK

Complaint narrative:
A report of a auto sent through Ally Financial is listed on my report that was included in a bankruptcy. Im have a bankruptcy showing in my report and a ally CO showing 90 days late which is incorrect. This account was paid in full and on time. This ally account is only being reported by XXXX  and needs to be removed immediately Im being penalized twice for the same 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 2022-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Bank involved : TD Bank Description of Issue ( s ) : On or about XXXX XXXX, ATM card was frozen allegedly for use at a questionable ATM not of TD Origination. Discussions with TD Personnel unfroze card, but there was no real reason for it. 

On XXXX XXXX I get a text from XXXX that my payment is late. I had already set up their payment for on or about XXXX XXXX. This made no sense. I tried to log into my account on line several times but was unable to login. 
I then called TD Bank about XXXX XXXX. after a whole crazy process, I spoke to a person who was pretty clueless at which point I got XXXX and he hung up on me. 
I called back and had to go through the entire process again. Was connected to their fraud people and verified the bills they questioned ( which I had paid many times before ) and they were supposed to have been unfreezing my account. I waited the 2+ hours and called back since I was still unable to login. 
So the upshot is all my setup payments are now late which will ding my credit score and wallet. 
I again went through the lengthy process and was told the account was unfrozen and " they were working on it ''. I asked what that meant. They were unable to tell me what that meant. I asked to be put through to a supervisor to file a complaint about their XXXX  fraud people unilaterally disrupting bill paying to parties that have been paid many times by me. I was then transferred into a hold cue ... .I hung up after waiting a few minutes. 
I tried to log into my account about 2 hrs later, it still wouldn't let me log in. I called back but the wait was over 10 minutes. 
For a bank that states they are the worlds most convenient bank I would say they are the worlds most Inconvenient bank. I would just say their " fraud team '' is incompetent and current customers should run very fast in another direction.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Starting fall XXXX, I tried on multiple occasions to clear up an unjustified penalty payment. Mr. Cooper was unwilling to reverse an unjustified penalty fee incurred when their system failed to accept a longer-than-usual checking account number. This happened when I was trying to switch from one checking account to another ( both XXXX XXXX ) for auto-payments. This technology glitch on their part resulted in two missed payments, and they levied penalty fees for each month missed. Until this event, I had never missed a payment. I paid both missed payments immediately. They reversed one penalty fee but not the second penalty fee ( one for each month ). Their customer specialist XXXX XXXX even admitted that there was a technology issue on their part. 
After months of recalcitrance on their part, I protested the penalty payment at XXXX XXXX XXXX. I won the case on XX/XX/XXXX. They were notified that they should pay me {$190.00}. More than 90 days passed. I sent them a polite reminder letter on XX/XX/XXXX, certified. Still no response. For such a small amount, it is beyond belief that they would defy the law and refuse to pay what is legally required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account #, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
1. I did not receive rewards points for the past month. 

2. My last payment on XX/XX/XXXX has not shown up yet on my account. I have spent approximately three hours on the phone with several customer service agents with no answer. I find it impossible to get a straight answer from anyone

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
The website for this company has been down for over a week or more due to a system upgrade. At first no access, then access to pay a bill only and finally when supposedly back up I can not login to my account. I have a login and password saved to my system so I have not forgotten or mistyped it. After two unsuccessful tries, I got locked out of the system. I said to go to a link provided and I did. I followed the instructions and tried to login and was still unsuccessful. I called customer service to get my account unlocked and was told that she could not help me and that i would have to wait two hours. I asked to speak to a supervisor and was put on an extended hold. The girl came back on and said she was still trying to reach one. I said neverminded because I can not wait on hold forever. It is important that I be able to access my account at all times to see the purchases and refund activity. I currently am in the process of remodeling my home and have returned several items and must ensure that the dollar amounts have been refunded properly. This is beyond acceptable business practice. This company should not be permitted to operate in this fashion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting Act ( XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) XXXX XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XXXXXXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXXXXXX XXXX XXXX # XXXX ) ( XXXX XXXX # XXXX  ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX  XXXX # XXXX ) ( XXXX XXXX ) ( XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX ( XXXX XXXX XX/XX/XXXX ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( XXXX  XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XX/XX/XXXX ) ( XXXX XXXX XXXXXX/XX/XXXX ) ( XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX ) ( XXXX XXXX XXXX XXXX XX/XX/XXXX ) ( Experian XXXX XXXX XXXXXX/XX/XXXX ) ( Experian XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) ( XXXX XXXX XXXX XXXX  # XXXX ) 15 U.S.C. 1681 Section 602 A states I have to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
In Accordance with the Fair Reporting act XXXX Account #, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act ONLINE INFORMATION SER Account # XXXX, has violated my rights. 

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 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation