vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-02-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Block, Inc.
State: IL

Complaint narrative:
I have a XXXX XXXX, which entails processing individual income tax returns for individuals. I am registered as a XXXX XXXX. I opened an account with square merchant services to run my clients payments. I opened the account with very little information. Once I started to run my clients payments manually. They put a hold on my funds. They asked me to submit additional information. I submitted the additional information which consist of an example of an invoice, bank statements, Documentation of an EIN number, registered with the internal revenue service, and Proof that my business is registered as an assume name. I am also a XXXX XXXX XXXX with a Tax Payer identification number issued by the Internal Revenue Service. They said once they review all of my documentation, that they would release the funds into my account. Today, I have received an email stating that my account will be deactvated, and they will be holding my funds for 90 days, and I can not receive them until 2 days after XX/XX/2020. They are holding over {$5000.00} of mines. 
This is not right!!. This is very unfair to me as a new XXXX XXXX!!. I am very upset, and Irate!!. I trusted these people, and now they want to inconvenience me, and hold my funds for 3 months. As a new business, I can not afford this, and I need help retrieving my funds.They said I am a high risk business for Chargebacks.!!.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: CO

Complaint narrative:
Equifax ; XXXX and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the DPTED/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. XXXX  and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see attached credit report as well as the attached spreadsheet showing account numbers. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted XXXX  ; Equifax and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-02-28 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: CO

Complaint narrative:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the DPTED/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. XXXX and Transunion are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see attached credit report as well as the attached spreadsheet showing account numbers. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted XXXX ; XXXX  and Transunion and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-28 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: CO

Complaint narrative:
XXXX  ; Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the DPTED/XXXX  partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. Experian and XXXX  are reporting incorrectly that I am ( 120-180 ) days late on the XXXX partial account numbers XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. ( Please see attached credit report as well as the attached spreadsheet showing account numbers. ) First, these accounts report a {$0.00} balance and {$0.00} past due. Second, these accounts are currently being coded as an I5.  These accounts should be coded as an I1. I have contacted Experian ; XXXX  and XXXX  and have spoken to multiple representatives who have verbally stated to me they can not change the coding on these infractions. This is not true. I have spoken to my loan officer, as well as my lender, and it was confirmed that the coding on these items can be changed by the bureaus to report accurate information. I am not disputing any prior late payments however, these accounts are being reported as if I am past due in present day. Keep in mind that it is impossible to be late on an account where nothing is owed and nothing is past due. It is a violation of the Fair Credit Reporting Act to not report accurate coding information on a credit report. This false reporting of lates is seriously harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-02-28 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: FL

Complaint narrative:
PLEASE DELETE. ACCOUNT TRANSACTION LISTED WERE NOT DONE BY MYSELF.

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 2020-02-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Submitted loan application for a second home on XX/XX/XXXX. An interest rate of 3.375 /  20 % down / 30 year fixed was locked in XXXX XX/XX/XXXX received questions on it being a second home vs. an Investment Property. Sent Letter of Explanation of property being a second home. Between XX/XX/XXXX to XX/XX/XXXX. Multiple needs lists were sent ( nothing to do with it being an Investment Property vs. Second Home ). I was communicated to multiple times that a conditional approval was coming. The appraisal was completed on the property by a BofA Appraiser. I was requested to have my CPA draft a letter allowing the use of business funds for downpayment. I paid my CPA to have that letter drafted. I then spent 20-30 + hours of work on putting together all of their needs requests and completing all the items requested. 

On XX/XX/XXXX. I received another set of questions on the home being a second home vs. an investment property. This is home is a second home and being rented for short terms rentals to the published guidelines of Bank of America. I drafted a very long letter and included our history with the city of this area. On XX/XX/XXXX I received a call from the Loan Officer stating that the underwriter will not write this as a Second Home and I would be required to submit it as an investment property at a mortgage rate of 4.75 % and 25 % down. This is two days prior to when we were supposed to close escrow and over six weeks after starting application. This put me at significant risk to fall out of escrow. Two days later I received an email that BofA would write this as a Second Home ; I asked for the conditional approval with any final needs list and never received a response. 

I had to quickly get new applications in to other banks. I ran two other banks through this process. Both banks were able to take me from application to conditional approval ( just needing the appraisal ) within one week. Something I spent over six weeks working on with BofA. Both were able to get me the conditional approval before the appraisal was started. They both were able to do the loan as a Second Home. Due to the rush of having to get this application through and the mortgage increasing. I ended up with a 3.9 % rate. I knew the rates were going to go up ; which is why I wanted to lock my rate back in XXXX of XXXX. Your best rates are always on the purchase. I have lost the best rate advantage having to refinance later when rates are lower.

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 2020-02-28 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: FL

Complaint narrative:
I was Locked out of my credit reporting websites for months and had to create a account to finally get a hold of my credit reports and I find A numerous load of incorrect filings on my report. 

The first account : XXXX XXXX XXXX amount : {$4600.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. 
The second account : XXXX XXXX XXXX  amount : {$880.00} since XX/XX/XXXX reason, this is a fraudulent account. Never opened by me or by my permission. This is a fraudulent loan not opened by me. 
The third account : XXXX XXXX : amount : {$1200.00} since XX/XX/XXXX this is a fraudulent account that was opened by my mother. I have No dealings with this account and should not be on my record. 
The fourth account : XXXX XXXX XXXX  : amount : {$610.00} since XX/XX/XXXX again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The fifth account : XXXX : amount {$68.00}, reason I have No idea what account this is, I never opened an account with them and dont know what this is. 
The sixth account : XXXX  XXXX reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
The seventh account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Amount : {$330.00} Reason :, this is a fraudulent account not used by me. I dont Even live in Georgia. This is not my debt. 
The eighth account : XXXX. reason : again, this is a fraudulent account not opened by me, it was opened by my mother, without my consent. This is not my account. 
I also have hard inquiries that are fraudulent and were not used by me nor opened by me. 
Fraudulent Hard inquiries : XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX. 

I have Also filed yet another report for identity theft on all accounts.

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 2020-02-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: MT

Complaint narrative:
Citibank has refused to pay a {$500.00} dollar bonus. I have met all the requirements. The requirements were that {$15000.00} must be maintained for 60 consecutive calendar days, one qualifying direct deposit into eligible checking account for two consecutive months, and no previous Citibank accounts. It has been over 90 calendar days from the date that I completed all required activities. All my accounts were in good standing. I had well over the {$15000.00} required in the accounts. They also started charging me service fees on one of the linked accounts. The account they charged the service fee on had {$1.00} in it. The service fee put the account into a negative balance which they charged me an overdraft fee for. I am so sick of dealing with Citibank that I have closed all the accounts. They keep opening one of the accounts even though there have been no deposits or withdrawals. I have closed this account several times only to look the next day and see that it is open again. They have been no help on the phone. I have called several times and have their personal bankers on tape saying that my accounts were on track to receive the bonus. A couple days before I was to receive the bonus I got a letter from Citibank stating that the bank had closed one of my  accounts without my knowledge making me ineligible for the bonus. I have a feeling they closed the account so they would not have to pay the bonus. They should have told me I was ineligible for the bonus months ago. I would like all my accounts closed and not reopened. There has been no activity on the accounts and no reason for the bank to keep reopening them. I have a feeling they are going to start charging fees.

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 2020-02-28 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: TX

Complaint narrative:
Re : Intent To File Lawsuit for FCRA Violation To Whom It May Concern, It is a crime to threaten lawsuit with no intention of doing so. Therefore you can take heed that I am very serious about filing suit against your company. I have sent SEVERAL DISPUTE LETTERS, previous letters to you, all by certified mail requesting that you remove inaccurate information from my file and you have failed to do so.

Accordingly, I can show a judge that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and these reasons were not frivolous in any way.

If this final request does not prompt you to conduct a proper investigation of these accounts in question and send proof to me of said investigation, I will file a civil suit in my county for damages, and you can travel to defend yourself.

I take my credit very serious, and your lack of professionalism and assistance disappoints me. I am well aware of my rights under the Fair Credit Reporting Act, and I intend to pursue them to the maximum. 



I await your response. 



Sincerely, ____________________________ XXXX XXXX XXXX cc : Federal Trade Commission ; Attorney General

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 2020-02-28 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: AR

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXXX {$3900.00} DPT ED/XXXX XXXX {$2200.00} DPT ED/XXXX XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}

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 2020-02-28 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: AR

Complaint narrative:
This is the first time my identity has been compromised. I don't understand why this happen to me. There are many unknown student loans open under my name and other suspicious accounts that do not belong to me. Please remove these fraudulent unknown accounts from my report. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$3900.00} DPT ED/XXXX  XXXX {$2200.00} DPT ED/XXXX   XXXX {$4700.00} DPT ED/XXXX XXXX {$1400.00} DPT ED/XXXX  XXXX {$5100.00} DPT ED/XXXX XXXX {$11000.00} XXXX XXXX XXXX {$3900.00} XXXX XXXX XXXX {$7000.00} XXXX XXXX XXXX   XXXX {$12000.00} DPT ED/XXXX  XXXX {$4000.00} XXXX XXXX {$2000.00} US DEP ED XXXX {$4700.00} US DPT ED XXXX {$28000.00} XXXX/XXXX XXXX {$0.00} US DEP ED XXXX {$5100.00} XXXX XXXX XXXX XXXX {$2200.00} XXXX XXXX XXXX XXXX {$3000.00} XXXX XXXX {$860.00}

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Applied for Citibank with mid 700 scores. Was denied due to too many recent inquiries however all but 2 were inquiries for an auto loan. When I called to ask to reconsider the agent told me that if they do another hard pull they should be able to look and approve me because the inquiries were auto however when they did the recon the executive credit analyst informed me they cant see individual credit apps and that it doesnt matter either way. Two hard pulls and i was still denied

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 2020-02-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
I just found out recently that a Capital One credit card was opened in my name back in XXXX. It appears they did try to collect the debt but gave up and finally wrote it off. I didn't know about it until I tried to get a car end of last year XXXX and the auto dealer pulled up my credit. The reason I didn't know about it was because whoever opened the account fraudulently in my name used their own address in XXXX XXXX, AZ and Capital One sent billing correspondence to them. I recently disputed this with Capital One and they sent back a letter saying that they can not find any signs of fraud. The XXXX XXXX, AZ address is on my credit report incorrectly so the fraudster at that address used my information to apply for the credit. In XXXX, I was in High School and I had no credit background and I lived in XXXX, AZ. For some reason, the fraudster managed to get access to {$16000.00} from Credit One using my identity. I can not even get that much right now on my own from a reputable bank. Also, I can not file a Police Report on something that happened 10 years ago. Capital One is violating my fair credit reporting rights and holding me hostage to a debt which I had no knowledge up to now.

Company response to consumer: Closed with explanation