vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: PA

Complaint narrative:
XXXX XXXX XXXX continues to furnish credit inquiries on credit file from XX/XX/2018. Company stated inquiry would be removed. Company failed to comply to FCRA Guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: FCI Lender Services Inc.
State: MD

Complaint narrative:
We have requested a loan Payoff from the Servicer of the loan, as requested by those who are helping us. That Payoff amount has been received as of date. The people who are helping had asked also for the loan document, which was the Promissory Note. We sent them the exact same copy that was provided to us from the debt owner. The requestor wanted to see the original terms of the loan, with the intent to possible negotiate a settlement amount on the balance if possible. Sometime after receiving the Promissory Note we were told that the main terms of the Note was missing, or not assigned to the paperwork we provided and this may explain the blurred page that I've asked about before. We had mentioned that we were made aware that something was wrong with the Promissory Note several times over but were never told what the problem was. Only to not sign the loan modification because it would fix the problem. We're also told that the alterations on the stamp section of the page, if not there when we signed the Promissory Note, to include the blurred page and missing TERMS, would need to have our assent to make the document not being VOID. They mentioned other stuff, but what is really important is to know where the terms are and why are they not showing on the document. They ask for the following : Interest rate -- Payment Amount -- Maturity date -- Due date -- Number of years term. Two other things I'm not able to make out, but one looks like Promise to pay. Please examine the attached copy as to verify that it's the same received. I've copied a part of an article they shared with me from a recent case overturned in Maryland this past summer. 

" The Court of Special Appeals was particularly concerned that the lender did not comply with Maryland Rule 14-207 ( a ) ( 1 ), which requires a certification that the loan documents filed with the order to docket suit are true and accurate copies. Instead, the papers appended to the order to docket suit were alterations. 

Further, the court noted that foreclosure proceedings are equitable in nature and that courts of equity require that litigants have clean hands. Because the court found that the lender in this case did not meet that standard, the Court of Special Appeals reversed the order of the circuit court '' Hopefully this would be our last request

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 2019-11-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: WV

Complaint narrative:
Kohls continues to report account as past due. enormous increases to balance owed and outrageous late charges. On XX/XX/2019 I submitted a proposed settlement offer : Reference : Account Number : XXXX Kohl 's ATTN : CEO XXXX XXXX  XXXX XXXX XXXX, SD XXXX Dear Executive Officer : I XXXX XXXX XXXX am writing this letter to show my willingness to settle referenced account. Records show that I have continued to dispute Kohl 's increases to minimum payments due and the assessing of unwarranted late fees, with negative responses. Kohl 's has failed to provide a detailed explanation on these outrageous minimum payments due and assessing of late charges. Minimum payments due continue to be inconsistent. Kohl 's continues to show an inaccurate depictions of my credit scores, resulting being unable to achieve my financial goals and objectives. 
Even though Kohl 's unwillingness to provide a detailed explanation on these minimum payments due and assessing of late fees, referenced account continues to be paid on time. 
Based on this information, payment detail listings, and payment history reports, I feel that I do not owe as much as Kohl 's claims I owe and I am willing to save both parties a great deal of time and expenses by offering to settle referenced account for {$300.00}. Reported balance {$810.00} minus reported late fees ( {$510.00} ) = {$290.00} ). I am proposing making payments in the amount of {$50.00} every month until paid off. 
Kohl 's has failed to respond to this settlement offer or even submit a counter offer. Latest credit reports show that Kohl 's continues to show an outrageous balances, assess unwarranted late charges. According to several Negotiating settlement websites and after conferring with several Attorneys, Kohls was to have responded within 30 days of receipt of settlement offer.I was informed not to make any payments until I receive the proposed terms of settlement in writing on company 's letterhead with a signature from someone who is authorized to agree to proposed settlement offer. Against my better judgment, I continued to submit monthly payments, with the final payment made in the amount of {$18.00} Check # XXXX. Since Kohl 's has showed an unwillingness to work with customer to bring this account to a close, I consider this account as paid as agreed. Kohl 's actions or lack thereof continue to have a devastating impact on my credit scores. Kohl 's has depicted me as uncreditworthy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: GREAT LAKES
State: WY

Complaint narrative:
I called Great Lakes Student Loans about additional payments that were added to my account. I was keeping detailed notes about what I owed due trying to pay off my student loans account. Also, on XX/XX/2019, I sent Great Lakes Student Loans a letter detailing and disputing additional fees on my account. 

Namely, On XX/XX/2019, I had a total owed balance of {$5900.00}. 

On XX/XX/2019, I paid an additional amount of {$400.00} leaving a total owed of {$5500.00}. 

On XX/XX/2019, my owed balance was changed to {$5600.00}. Great Lakes Student Loans had added a total of {$160.00} to my account. There was no record of any change on my account except that Great Lakes Student Loans had changed my balance. I was not notified in anyway that there were additional charges or what the charges were for. 

On XX/XX/2019, I made a payment of {$43.00} leaving a total listed balance of {$5600.00}. 

At this time, my balance should have been {$5400.00}. 

On XX/XX/2019, my balance was again changed. The new listing was {$5700.00}. Great Lakes Student Loans added an additional {$120.00} to my account. Again, I was not notified and there were no records of any changes listed on my account except that my balance had gone up. 

On XX/XX/2019, I paid an additional payment of {$1000.00} which should have left me with a balance of {$4400.00} On XX/XX/2019 I made additional payments of {$350.00} and {$750.00}. My total owed balance should be {$3300.00}. However, my balance is {$3600.00}. 

As of XX/XX/2019 I have not heard back from Great Lakes Student Loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
3 months ago in XX/XX/2019, I was notified by USAA that I needed to update my W-9 information. They also threatened that if I did not, they may withold taxes on interest. I have been with the bank for over 40 years and they have that information already. Nonetheless, I called the bank and informed them that I was not subject to IRS witholding and therefor, according to everything I read, was not required to furnish any W-9 info or updates. The agent said that I did not have to sign the form if I did not want to. I said I would not as it is not necessary or required by law ( from what I understand ). She agreed. When I tried to log on last week ( XX/XX/19 ) or so, I was stopped by a pop-up requiring me to sign a W-9 or could not proceed. I finally went thru the maze of document finding and signed it to avoid further complications. When I finally got to my account I noticed USAA had already witheld {$.00} taxes from my measly {$.00} interest gained in my checking account. I do not believe this is legal, as do thousands of other USAA customers complaining on the USAA forum site ( also where I left comment last XXXX ). I would like to get a formal ruling on this as USAA seems to be abusing it's autority with it's customers. Perhaps they have had a security breach, lost customer W-9 's, or info therin, and they are covering it up with this story ... .there are many theories on the forum.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: TX

Complaint narrative:
I have been contacting Experian regarding misinformation reporting on my credit report since XX/XX/2019. I have asked for XXXX  to provide me with " hard evidence '' that goes all the way back to the original creditor, not verification from a third-party database of the information reporting on my account. Instead of providing requested proof, yet " another '' collection agency was added to my report and no proof has been provided for this one either.

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 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Source Receivables Management LLC
State: IN

Complaint narrative:
In XXXX of XXXX I open up a cell phone account over the phone with XXXX which I got 4 phones from when I opened this account I was told once my contract is over I will own the phones free and clear. Thats not what happened after paying my bill on time every month until the contract was over I was under the impression the phones was mines it wasnt until around XX/XX/XXXX when I realized they was saying I owed them for the phones that I paid for over 2 years on time in full. I called XXXX so they can pull up the recording of what I was told that day they said they couldnt unless they the phone Is number which I dont have the phones anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Flagstar Bank, N.A.
State: GA

Complaint narrative:
Flagstar Bank in XXXX has become the custodian of my mortgage after they took of the XXXX XXXX XXXX. I applied for a HELOC to use in purchasing a second home and the loan servicer was XXXX XXXX basedin XXXX and XXXX XXXX communicated with me. They first told they could approve me for {$26000.00} and then after the appraisal they ordered returned, they only said they could offer {$11000.00}. The appraisal was not consummate but I was willing to accept the amount to utilize toward the purchase. They did not communicate with me about closing out the {$26000.00} loan and having to do a totally separate loan for {$11000.00} until I looked in and saw no trace of the loan application one day and reached out and asked what happened and then I received a message saying there was " no progress '' on the loan application. I often, throughout the process, would receive mailing from them and e-mail messages that wouldn't align with the additional documentation they necessitated. The e-mails was say they had everything they needed and then the mailing would say they needed copies of this and copies of that, all of which I would provide for supporting documentation. All of this two days ago after being told I was approved for the loan for {$11000.00} I looked into the account to check on the application status and there was no trace of the loan application or anything as if this who 5 month process never existed. They have my information and then my application and all of the communication just vanishes, and that is very perturbing to me. I do not know how they operate, but it is certainly a very clandestine process.

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 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Debt Mediation, Inc.
State: NJ

Complaint narrative:
The original creditor is no longer in business which is the XXXX XXXX XXXX however the XXXX XXXX XXXX was managed by XXXX XXXX XXXX whom I have contacted professional debt just put this on my report without notification and validity of this debt. I have told XXXX and XXXX and XXXX I have shown proof this debt is in repayment. This needs to be deleted off my credit report. 

I am attaching payment agreement which is now in the hands of the property management company XXXX  XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EOS Holdings, Inc.
State: PA

Complaint narrative:
I had a bill from XXXX. I receive a letter from EOS CCA to settle this for {$900.00}. Which I paid to them on XXXX. I am now receiving a bill from EOS CCA for the balance of {$380.00}. This is fraudulent, because there was a promised settlement. And I paid the requested amount to have this removed from my credit report.. this is still on my credit report, I disputed it twice with XXXX  to no resolution. I need this removed, and to stop receiving bills. I also sent to the EOS CCA company the copy of the agreed settlement letter and the payment receipt from my bank account. they have not stopped harassing me, and not removed from credit reports as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 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: EQUIFAX, INC.
State: OR

Complaint narrative:
XX/XX/2019 approximately XXXX received notification from ID monitoring service XXXX XXXX placed a hard inquiry. Notified XXXX of fraud ( XXXX ), Equifax ( XXXX ). Filed police report ( XXXX ) FTC ( XXXX ), OIG ( XXXX ), Utilities exchange ( XXXX XXXX, XXXX fraud forms sent XXXX ( XXXX ), Insurance claim filed ( XXXX ). Fraud report received from XXXX XXXX stated the perpetrator used my maiden name, my social security number and my old mailing address to attempt to obtain cellular service twice. The hard inquiry from XXXX XXXX still remains on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I received a settlement check from my homeowners insurer to settle a homeowners claim on XX/XX/XXXX in the amount of {$45000.00}. The check was made payable to me and my mortgage servicer at the time, XXXX. XXXX was holding the insurance claim funds in escrow pending completion of repairs. On XX/XX/XXXX, before repairs were completed, my mortgage including the insurance claim escrow account were transferred to a new servicer LoanCare LLC. I contacted LoanCare LLC on XX/XX/XXXX and spoke to XXXX XXXX who confirmed that LoanCare LLC received the insurance claim escrow account with a remaining balance of {$35000.00} ( some of the repairs were completed and paid from the escrow account before it was transferred to LoanCare LLC ). XXXX XXXX also advised me that once the mortgage is paid in full, the entire balance in the insurance claim escrow account would be released in the form of a flat disbursement to me. I have now sold the property in question and paid off the mortgage with LoanCare LLC in full on XX/XX/XXXX. I paid for pending repairs to the property with my own funds to avoid delay in closing on the sale of the property. I contacted LoanCare LLC on XX/XX/XXXX to request disbursement of the funds they were holding in the insurance claim escrow account and spoke to XXXX XXXX who informed me that LoanCare LLC WILL NOT disburse the funds in the account to 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 2019-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/2019 I was denied credit with XXXX XXXX. Experian was the reporting credit agency which they have my credit score listed at XXXX which is incorrect as of today Experian has may score listed as XXXX. Experian reports that I have seriously delinquency and public records. Experian reports that I have account that are delinquent. I would like for Experian to stop reporting that I'm delinquent in paying my bills. I pay 100 % on time.

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 2019-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: VA

Complaint narrative:
I received my Pay Pal rewards MC through Synchrony earlier this year, and have experienced a multitude of issues when 1 ) trying to obtain my rewards and 2 ) making payments. The foundation of my complaint is that customers are passed back and forth between Synchrony and Pay Pal with neither of them trying to solve the problems. I call Syncrhony and they tell me to call Pay Pal, I then call Pay Pal and they transfer me to Synchrony. In the past when I have to redeem my rewards, this back and forth has happened five times during one morning of trying to resolve this. This recent complaint deals with a text I received this morning about my account about a Fraud Alert. Not realizing that I would receive a fraud alert about a payment on my account, I responded that I did not recognize the transaction. I am in the midst of being afflicted by a very bad case of the flu, so perhaps if I would have gotten out of bed right away to verify the exact payment amount I scheduled a couple of weeks ago I would have been able to respond that I did recognize the transition. However, why in the world would I even receive a Fraud Alert when  someone is trying to PAY not charge to my card? That does not make any sense. When I realized what happened, I tried to call the Pay Pal number, but they don't even open until XXXX XXXXCPT, I tried to call Synchrony since that is the company I am paying ( I guess ) and once again, they could not help me and sent me to Pay Pal. This account is a nightmare. Why are these companies not required to address these issues without sending customers back and forth?

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 2019-11-07 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: LJ Ross Associates
State: WI

Complaint narrative:
On XX/XX/XXXX a balance of {$890.00} from my previous place of residence was transferred to my account with XXXX  XXXX XXXX at my new place of residence. After this balance was transferred to my account my utility service was suspended and I was left without power. Upon contacting the Power company ( XXXX XXXX XXXX ) I was informed that my power service could not be restored until I paid a portion of the balance. On XX/XX/XXXX I made a payment of {$700.00} to XXXX in turn restoring my electric service. The remaining balance was paid off through the following billing cycles. On XX/XX/XXXX L J Ross Associates Reported to my Credit Report that I had a debt in collections in the amount of {$890.00} with the original creditor listed as XXXX  XXXX XXXX. As described above, the balance was paid in order to restore utility service and is no longer owed. On XX/XX/XXXX I filed a formal dispute through XXXX  providing this same information, and on XX/XX/XXXX I received the results of this dispute and the information was still incorrect. Upon receiving this information, I immediately called XXXX  directly and submitted another dispute over the phone on XX/XX/XXXX. Once again on XX/XX/XXXX the dispute results were returned and L J Ross Associates again failed to properly update the Information as the status column stated " unpaid '' the balance amount column stated " {$890.00} '' and the date of last payment column remains blank. This debt does not exist and must be removed from my credit report immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation