vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Windham Professionals, Inc.
State: FL

Complaint narrative:
On XX/XX/2016, I made verbal arrangement with Windham Professionals ( contracted via the Dept of Educ ) to pay back a school loan in default. The arrangement would be to pay {$280.00} mo 240 months 20 years charging me every month electronically using my credit card. I was told that interest would be paid first & then principal which made sense when I made the calculation for the debt of approx {$66000.00} & that interest, fees, garnishment, etc would not occur as long as payment continued. I noticed that my credit card was no longer being charged & statements were no longer being received & called them. They told me that they had no record of such agreement regarding the 20 years payoff ... & that I was supposed to call them a year after I made said agreement to renew the agreement if paying {$280.00} per month in which {$4.00} would go towards principal & the rest to interest & fees that increase daily. I asked if all their calls were recorded which they confirmed bc this verbal agreement was in fact made & feel that Ive been defrauded which now increased the student loan to close to {$70000.00}. I was also threated that they would garnish wages if I did not make payment ASAP. The original call in XX/XX/2016 was made with Ext XXXX XXXX who then transferred me to a supervisor whom made this verbal agreement regarding the 20 year time period to pay off. This is a clear case of negligence, dishonest business practices, & consumer abuse. I thank you in advance for your assistance. I just want to pay the student loan but I seem to have been duped.

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 2018-07-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
RENT RECOVERY SOLUTIONS OPENED A COLLECTION ACCOUNT ON XXXX-15 FOR {$320.00}. THIS IS REPORTING TO THE CREDIT BUREAUS. THE BALANCE IS {$0.00} BECAUSE MY SECURITY DEPOSIT COVERED THE AMOUNT STILL OWING UPON MOVE-OUT FROM XXXX XXXX APARTMENTS. THE INFORMATION BEING REPORTED IS THEREFORE INACCURATE AND SHOULD BE DELETED.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: Ameritech Financial
State: IN

Complaint narrative:
I have been paying Ameritech Financial XXXX $ a month to handle my student loans which in the end after a certain amount of time they said would be totally taken care of with no money owed. So since I have been taken advantage of I would like to know how to get the money back that I have been paying them to do nothing with my account.

Company response to consumer: Untimely response
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AR Resources, Inc.
State: TX

Complaint narrative:
AR RESOURCES INC OPENED A COLLECTION ACCOUNT ON XXXX15 FOR {$610.00} ON BEHALF OF XXXX XXXX XXXX. AR RESOURCES INC IS REPORTING THIS DEBT TO THE CREDIT BUREAUS. THIS AMOUNT SHOULD NOT HAVE BEEN REPORTED TO COLLECTIONS BECAUSE IT RELATES TO EMERGENCY SERVICES PROVIDED TO ME THAT WERE COVERED BY FINANCIAL AID THE HOSPITAL APPROVED. THERE WAS AN APPARENT LACK OF COMMUNICATION BETWEEN THE HOSPITAL AND THE PHYSICIANS IN THIS REGARD. THERE IS NO DEBT.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
i have tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items on my credit 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 non-monetary relief
Consumer complaint received 2018-07-21 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: SYNCHRONY FINANCIAL
State: DC

Complaint narrative:
I purchased a XXXX XXXX Bed and financed it. Was told by XXXX XXXX that it would be an installment loan via XXXX XXXX. Was approved for XXXX. Synchrony is now reporting it as a credit card, which was not what I signed up for nor what was relayed by XXXX XXXX rep as I specificaly asked what type of loan this is. An installment loans reports differently vs a credit card.

XXXX XXXX Purchase Date : XX/XX/2018 XXXX XXXX Delivery Date : XX/XX/2018 Synchrony Credit Reporting Date :XX/XX/2018 Neither party ( XXXX XXXX or XXXX XXXX ) as well as the credit bureaus have corrected this despite numerous attempts to get this immediately rectified.

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 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
i have tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
i have tried to get my free annual credit report from the bureaus but they refuse to issue me one because i d'ont live at the address on my licence.please help in concerning this matter cause i need to know any negative items on my credit 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 non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
XXXX XXXX XXXX is reporting an account as paying in collection. I was told by the company they would not report to the credit bureaus if I paid as agreed. However, they have not honored that agreement and is reporting I am late on payments. I havent missed a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: HEARTLAND PAYMENT SYSTEMS INC
State: VA

Complaint narrative:
I have a Perkins loan through XXXX XXXX University in the amount of {$2800.00}. I am a XXXX XXXX and by law, I should receive a 20 % cancellation rate of my loan. My loan servicer is XXXX XXXX. I submitted all paperwork as requested, including the cancellation form and the verification of employment. I did everything XXXX XXXX requested and I received an e-mail from them indicating they received the paperwork. I called XXXX  telling them I received the e-mail and asking when the cancellation rate would be applied. They told me to give it one day to update in the system. I checked my account and the amount of my loan is still {$2800.00}. I am a XXXX XXXX XXXX   and should get a 20 % cancellation rate off my loan. Nothing has been applied.

I've called XXXX XXXX several times again and they are telling me different information. No one is helping me. First they told me it would my loan amount with the 20 % cancellation rate would be updated in one day. Now they are telling me to re-submit my paperwork, which I do not need to as I received an e-mail indicating it was received. They are not applying the 20 % cancellation rate and I need help. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CURO Intermediate Holdings
State: TN

Complaint narrative:
I took out an installmemt loan with original credit limit of {$1400.00}. But because I reborrowed, the total amount owed is {$1600.00}. Speedy cash/ XXXX XXXX   continued to tack on interest and fees for weeks and days.in spite of my efforts in calling requesting managemnt to give me a call etc. and recieving calls trying to get balance resolved upon time of default, I never ignored their calls always explained my situation to them time and time again. They seem to be very heartless and cuthroat as a financial company, its terrible and sad. I have been in contact with dozens of reps requesting payment agreement before it became outstanding with fees totaling {$2100.00}. I have had a medical hardship which caused a financial hardship for which I explained to what it seemed like a million reps before the interest fees became ridoculous. Speedy cash has recieved before default {$700.00} and some odd dollars already. I dont dispute that I owe the money that I owe I only dispute the amount that they are wanting due to interest and fees. Totaled borrowed was XXXX. I have already paid 700 plus dollars. I called asking once again for a manger to call to get this worled out reasonably and I am asking that they waived the extra {$500.00} in fees and interest and modify the existing payment agrrement of 10 pmts of XXXX  to pay out amount of XXXX instead Of {$2100.00} dollars because in The end as it currently stand, they would have collected from this loan a total of over 3000 dollars from an original credit limit amount of XXXX which is double what i originnally borrowed. I asked for a manager to give me a call about getting this payment agreement amount modified from {$2100.00} to {$1600.00}, and waiving the extra fees which would be less than 10 total pmts of XXXX a month..Being again, they have already recieved XXXX plus in payments. I need a manager to have a heart and straightened this amount out to be paid out total to be reasonable, which would be XXXX. And take into account the XXXX dollars that has already been faithfully paid. Iweekly upon illness whoch resulted in default.Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
My debit card was hacked and compromised. Alot of charges that i did not make or authorized where on my account. I filed a claim and bank of america denied  my claim. I have experienced alot of fraud issues since banking with them. I tried to explain my card could have been hacked or compromised in the past while paying and swiping my card at the pump at gas stations

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 2018-07-21 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: CA

Complaint narrative:
For the past 6 months I have contacted both Experian and XXXX to let them know I have been a victim of Identity Theft. I have provided them with a copy of my police report as well as the FTC report that was filed. To date, Experian still has one account remaining on my credit. XXXX XXXX XXXX XXXX  and XXXX still has a total of 4 fraudulent/unknown accounts. 2 with XXXX XXXX XXXX XXXX  and 2 accounts with a company called XXXX XXXX XXXX.

I am also requesting that my phone number be placed on my Fraud Alert XXXX XXXX XXXX FTC Report Number XXXX XXXX XXXX  Police Report NumbeXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Experian Information Solutions Inc.
State: MA

Complaint narrative:
On XX/XX/2018 I logged into my paid Experian account. Inside I found several information discrepancies. There are versions of my name that are incorrect, one listed SS # is wrong. The website gave me a number to call : XXXX. Using option 3 ( as I have an account with them ) I tried to resolve the issue. All I received was an automated message with it hanging up at the end. There was also no email or chat offered as an alternate for dispute resolution to contact them directly. I'm very disappointed.

Considering that Experian is contracted with the US military in handling credit protection, I'm at a loss as to how poor their services are. My information was compromised in the OPM hack, I have to spend the rest of my life doing due diligence to make sure my information is correct, and/or not compromised. Experian can't even offer me the correct tools to do this, even with a paid account.

The " Dark Web Scanner '' is a raging joke. Considering most dark web information is encrypted through TOR servers, how the heck can they really scan anything? Yet, they still charge people for this service. I frankly think what they promise on this option is fraudulent.

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 2018-07-21 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: MI

Complaint narrative:
I have been trying to get my credit report and I see it hasn't been updated and I need my report update

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 2018-07-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have several loans that I consolidated from XXXX to XXXX. There is one loan remaining with XXXX that has not been moved that is causing my credit score to continue to drop. Loan # XXXX. This loan is being recorded as joint. IN XX/XX/XXXX, my ex spouse and I were trying to consolidate his XXXX loan and my loan with XXXX. We were told that we could not consolidate the loan because his loan was in default. However, my loan was placed into his name. For nearly 20 years we have disputed this and have gotten NO results. They have constantly reported negatively on my credit report and his. Just recently, I spoke to XXXX at XXXX XX/XX/XXXX. She said she was going to look into this as a top priority, but our credit scores has since drop down XXXX point. I need help in getting this loan out of my ex husbands name ( XXXX XXXX  ) so I can consolidate with my other loans with XXXX. This has hindered my as well as his ability to obtain credit. We need help ASAP

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: MI

Complaint narrative:
I have been trying to get my credit report and I see it hasn't been updated and I need my report update

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 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: MI

Complaint narrative:
Yes I checked my credit score and one minute it's XXXX then I checked it again it's XXXX I don't know why I can't get a aquired report from these creditor 's

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: GREAT LAKES
State: IN

Complaint narrative:
Great lakes student loans fraudulently took out loans in my name I was told they were grants and as long I passed my class I didn't repay anything the school has been shut down due to this happening to multiple ppl but they refuse to dismiss my loans I never took out. No other school even acknowledges their credits so they want me to give them free money for wasting my time at a fraudulent school no one in the country recognizes. I XXXX  XXXX and was just trying to further my abilities in life.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
I went to school on line that was in XXXX, Illinois. At the time I talked with them I informed them that I couldn't afford college because I was on limited income and retired. They kept telling me to stay with the program and that I wouldn't have anything to worry about. After 2yrs, my loan was {$20000.00} and now it is {$28000.00} which I c n't afford to pay back. I am at my wits end because I want this off of my credit report.My loan started back in XX/XX/2009. I have tried forebearance twice but again no one told me that my interest rate would keep going up. Please can someone help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
For the past 6 months I have contacted both XXXX and Equifax to let them know I have been a victim of Identity Theft. I have provided them with a copy of my police report as well as the FTC report that was filed. To date, XXXX still has one account remaining on my credit. XXXX XXXX XXXX XXXX and Equifax still has a total of 4 fraudulent/unknown accounts. 2 with XXXX XXXX XXXX XXXX and 2 accounts with a company called XXXX XXXX XXXX.

I am also requesting that my phone number be placed on my Fraud Alert XXXX XXXX XXXX FTC Report Number XXXX XXXX XXXX  Police Report Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-21 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: MI

Complaint narrative:
Yes I checked my credit score and one minute it's XXXX then I checked it again it's XXXX I don't know why I can't get a aquired report from these creditor 's

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 2018-07-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: ND

Complaint narrative:
Hello, I started a dispute with TB Bank who manages my XXXX store card for a transaction that occurred on XX/XX/XXXX for an amount over {$800.00}. 

I returned a phone to the merchant, the merchant accepted my return, but I never received a credit from the merchant. 
After attempting to resolve with the merchant several times, they would not issue a credit, stating they " will put in a request '' that I never heard back from. 

I started a dispute with TD Bank XX/XX/XXXX, within 60 days of the disputed transaction providing details both by mail and verbal forms of communication. I received a letter XX/XX/XXXX confirming the claim was started. 

It has since been over 97 days since I started the claim, and I have not heard back from TD Bank in any form ( mail or phone ) asking me for additional information, or, with a status of my claim. I sent the bank messages XX/XX/XXXX and XX/XX/XXXX through their online banking system and was not provided a status of my claim, only that it would be resolved within 90 days and I would receive a letter with the outcome. 

I attempted to contact them by phone today, XX/XX/XXXX, to get the status of the claim and was told I should get a letter by next week, which I had been told the week before. 

Thus far, TD Bank has not credited my account back for the balance, and the merchant has the product! I have not benefited from this transaction in any way and TD has kept me in the dark regarding the status of my claim. Since my account has not been credited after the 90 days, I can only assume that my claim was denied, however, unless the claim is in arbitration ( which I have not been made aware of ) I believe TD bank has mishandled my claim, as the information I provided them should fit the association 's charge-back guidelines. 

I need a satisfactory resolution on this claim as soon as possible, this transaction has been negatively impacting my credit for far too long and there is no reason the bank should not be able to provide me a simple status of the case over the phone, such as " Your claim is denied for this reason '', or, " Your claim is resolved in your favor ''

Company response to consumer: Closed with monetary relief