vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-05 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: FlexShopper, Inc
State: GA

Complaint narrative:
I entered into a loan agreement borrowing {$1000.00} under a 90 day same as cash term loan from an agency called FLEXShopper/XXXX. I did not have the cash or personal credit to pay for repairs and tires to keep my car safe and legal in GA. I was presented with a lending option but was not given correct information about the terms and did not understand that the offer was contingent on payment IN FULL by the end of 90 days or I will be subject to XXXX  billing my card an Additional 42 Weeks @ {$45.00} a week. This was a surprise to me as I was told when I agreed to the terms that only what remains after 90 days would double. 

To date, I have paid this company {$520.00}. I currently have a remaining balance of {$470.00} due in full by XX/XX/19 or they will continue to pull money out of my personal account. I am writing today to file a complaint on this company for its predatory lending practices as these types of loans are marketed only to the poor and clearly designed for people indebted long past 90 days. 

People that do not have access to cash, personal, or store credit are targeted and need protection from these types of lenders and the terms associated with the same as cash loans. It is a type of consumer robbery and should not legal. Misinformation and lack of transparency are deeply embedded in the process. 

Lastly, FlexShopper 's online interface is terrible and offers the consumer very little information about the consumers spending history. They need to make an improvement and show me where my money is and how it is being applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I was targeted by mail and applied online through Citizens Bank 's website for a checking and a savings account with {$600.00} bonus last XXXX. It took them until XX/XX/2020 to get back to me and ask me for identification materials. They approved my application on XX/XX/2020. I met all the requirements, but they are not honoring the bonus, claiming that my account was opened on XX/XX/XXXX, and the offer had already expired on XX/XX/XXXX. 

1 ) I applied when the offer was valid, and the delay was due to Citizens Bank 's slow processing. 
2 ) I was contacted for additional material but was not informed that the offer was going to expire on XX/XX/XXXX before my account would be opened.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-05 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Im trying to link my account with XXXX XXXX  And pnc will not allow a link to the stock investment company

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
XXXX XXXX  XXXX charged off my account, even though it was not 120 days late. At any rate, I have a Charge Off for it. The charge off was in XXXX. Now, XXXX, adds an ( S ) to the word Charge Off, making it read as " XXXX XXXX '', and has a XXXX on there. Now it looks as if I have XXXX accounts with XXXX XXXX  XXXX as a XXXX Off, and each month they add a number to it. A charge off can only be XXXX single event. After that the account show should Not Reported for payments and should not be adding to the " number '' in front of the word Charge Off, making it plural with an S, and changing the number of instances. The number of instances is fundamentally wrong. 

They also did the Exact same thing with my XXXX 's account Status. 

Charge Off can only be 1 incident. 

To try and say I have been charged off 4 times, is egrergious, false, and lacks merit. 

I had 2 accounts charge off. The number stays there. 

I have not had 4 accounts, as is the way Experian  makes it look. 

This is a disservice to the consumer, especially someone affected by XXXX, who did not get unemployment benefits for 94 days because the State of AZ did not have the 'right system in place yet to authorize the self employed individuals under the CARES act. '' Otherwise this wouldn't even have gone without being paid, if I had received my funds on time from the AZ Unemployment Authority. 

At any rate, this cred report and not factual statements and falsehoods of Multiple Charge Offs per XXXX and Multiple Charge Off per XXXX  XXXX needs to be fixed by Experian. It is Experian 's report, not the creditor. Creditor has been sending in the file as Not Reported correctly, it is Experian that keeps changing the number of times and made it plural.

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 2020-06-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have already reported speedy finance to this institution consumer finance and to experian XXXX  and XXXX  and somehow they keep sneaking in and adding the same debt that was reported and not confirmed to all 3 comapnies after all 3 companied removed them can someone please explain why these companies can keep sneaking in debt as collections after all 3 XXXX  experian and XXXX  have removes them in the past. As a matter of fact consumer finance already has a report on speedy finance. This is outragous.

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 2020-06-05 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: AR

Complaint narrative:
XXXX XXXX  sent me an email that looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items form my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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:
XXXX XXXX  sent me an email that looked like my personal data may had been compromised. I opened it up and reviewed everything and there was several unknown inquiries and accounts that certainly did not belong to me. I pulled my credit to make sure, and these accounts I am reporting are definitely not mine. Please remove these items form my report.

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 2020-06-05 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: OneMain Finance Corporation
State: GA

Complaint narrative:
OneMain Financial reported incorrect information on my credit report indicating that I am 60 days late on my loan payment. I Spoke with a representative and made arrangements. 

These are the dates I made payments : XX/XX/2020 XX/XX/2020 XX/XX/2020 Current Arraignments : XX/XX/2020 XX/XX/2020 Please assist me in this matter as I am not late with this account. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: TX

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.

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 2020-06-05 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: NY

Complaint narrative:
I have disputed a public records account that Experian is reporting on my credit report. In XX/XX/2020 I had written a letter to ask Experian to provide me with the method of validation on the information they are using to make such a claim. I received a letter back from Experian on XX/XX/2020, dated XX/XX/2020 stating the dispute results. in the letter i had received, they did not provide me with information, no proof, no source of validity and therefore the negative information remains on my credit profile.

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 2020-06-05 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To whom it may concern, I am sending this email to in regards to a complaint on Experian credit bureau. They have continued to ignore my requests for debt validations on my report and have failed to respond to my 2nd debt validation letter within 30 days, being in violation of the Fair Credit Reporting Act, Section 611 9a ) ( 5 ). I have requested via certified mail that due do this violation, that Experian delete/remove all negative accounts from my report immediately to with they have failed to do so as of this date. Please see time line and corresponding letters and documents below. I have hand written a number at the top of each document for reference purposes. Thank you for you time and attention and most importantly your role of protecting consumers like me from these institutions that take advantage and have no regard for the lives that are affected by these accounts. Thank you so much! 

Please see the following : * I sent my second request for validation of debts to Experian on XXXX. ( labeled as # 1,2,3 ) * Its was received by Experian on XXXX ( labeled # 4 ) * Experian sent a letter saying that they are investigating the matter on XXXX ( labeled # 5 ) * From the time that they received my validation request on XXXX to XXXX when I wrote them back, a full 63 days has past with no letters or documentation from Experian verifying any of the debts listed on my account, putting them in violation of the Fair Credit Reporting Act, Section 611 9a ) ( 5 ). 
* After 63 days had past I wrote Experian a letter by certified mail explaining to them that they have failed to send me a response in the appropriate time under the Fair Credit Reporting Act. ( labeled # 7 for the letter and # 8 for the certified mail receipt. 
* Experian receives and signs for the certified letter on XXXX. ( labeled # 9 ) * Experian sent a letter saying that they are investigating the matter on XXXX ( labeled # 10 ) * Experian sends the same generic response letter saying that accounts are valid with no proof or documents that I requested nor any names of the person/person that validated these so-called debts and that also brings the time that they failed to respond to my original letter received by them on XXXX requesting validation to a full 94 days all together. ( labeled 11,12,13,14and 15 Update : It is now XX/XX/2020 and Experian has yet to validate these items on my report. 

Thank you

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 2020-06-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: WI

Complaint narrative:
Too many dates to remember. I have two loans with Navient, but they see it as one loan. My goal is to pay off the loan with the lowest balance. Every month I make an extra payment and allocate it to loan XXXX with the lower balance. At first the full amount goes to loan XXXX but when I check a few days later they have removed a portion of the payment and put in on the loan with the higher balance. EVERY time I pay extra, I have to remember to call them a few days later and tell them to move all the funds to the lower loan. I have spoken to a dozen people and they say that is the only way it can be done. BUT on their website you have the option to pick the loan you want the money to go to. It makes absolutely no sense. 
Today, I called them because I wanted to just pay off the smaller loan so I dont have to go through this every month. I went to their website and allocated the total amount owed on loan XXXX to pay it in full. The guy, I chatted with said I will need to call them once it posts and again tell them it is to pay off the balance of my small loan. I should not have to pay any interest after today on that loan since I sent them the total amount he said I should pay. I am so nervous that this is going to get jacked up by them. 
Please help me. It is my money and I should be able to allocate which loan I want to pay since there website is set up to make you believe that is what you are doing. 
It seems shady that I have to follow-up every time I pay extra on my loans. 
Thank you and I pray you can help me resolve this issue. 
Regard, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: AR

Complaint narrative:
I have the XXXX XXXX  app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 

XXXX XXXX {$3800.00} XXXX  XXXX {$8500.00} XXXX  XXXX {$1000.00} XXXX XXXX {$0.00} XXXX  XXXX XXXX {$340.00} XXXX XXXX {$190.00} XXXX XXXX XXXX {$380.00} XXXX  XXXX  XXXX {$860.00} XXXX XXXX {$32000.00} XXXX/XXXX  XXXX {$310.00} BANKRUPTCY CHAPTER XXXX XXXX XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: NC

Complaint narrative:
I am contacting you to work on resolving this issue as quickly as I can. 
I sent in a identity Theft packet to report this matter it has been over 30 day and the issue still remains I ask that this item be removed from my credit profile this item is not mine and has truly effect my credit report and is preventing me from getting credit.

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 2020-06-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax can give me no reason why they need to verify my identity before releasing an existing freeze on my credit bureau. Now I have to wait over a week to get critical access to my credit bureau causing my family significant financial hardship in the meantime.This is unacceptable to wait a week to get access to critical information to secure financing in a very trying time. They were not helpful at all to work through this situation. They should be banned from holding critical information as they have proven themselves undeserving of this important task.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT FILE AND FOUND TWO INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AND INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2020-06-05 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 HAVE REVIEWED MY CREDIT FILE AND FOUND TWO INACCURATE ACCOUNTS AND AN ENTRY IDENTIFIED AND INQUIRY THAT WAS PLACED ON MY CREDIT FILE WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRY HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT FILE. I HAVE NO IDEA HOW THESE ACCOUNTS AND INQUIRY GOT ON MY CREDIT FILE. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING IN SUCH A DAMAGED STATE. EVERYTHING IS AT A STANDSTILL BECAUSE OF THIS. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRY AND HAVE THEM REMOVED OFF MY CREDIT FILE AS SOON AS POSSIBLE. KEEP IN MIND THAT THE ACCOUNTS AND INQUIRY DOES NOT BELONG TO ME AND DOES NOT RELATE TO ANY TRANSACTIONS THAT WAS MADE BY 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 2020-06-05 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: TX

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-05 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: TX

Complaint narrative:
I am needing to move out of my apartment due to the bad maintenance. I went into some apartments close to where I live now and I had to get my credit pulled. During our discussion I learned that I was not able to get the apartment due to a amount of that are not mine. I need those items removed as soon as possible please.

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 2020-06-05 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 I have had identity theft. I'm not sure the reason behind this but I pulled my credit report and there are a couple of fraudulent accounts that do not belong to me. I have already submitted a request to get these things removed and as I logged on today I found a collection account added to my account right after I submitted this request back in XXXX. Someone is using my identity without my consent. Please remove these items as soon as possible.

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 2020-06-05 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: OK

Complaint narrative:
There is inaccurate, misleading, incorrect, out of compliance information on my report 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 explanation