vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The issue has yet to be resolved. They have not solved the reason for why my name was associated with an incorrect address. See issue below. 


I have just learned that Capital One had an INCORRECT address on my file, which was the reason I had a fraud alert on my account and was put through chaos trying to activate a credit card ( for which I ultimately cancelled ). An address that was my father 's rental property ( for which I have ZERO ... .ZERO ASSOCIATION! ) ... .. I have never lived there, I am not on the loan, etc ... .there is NO record of me with that address ... .and yet Capital One had this address under my name. The address is : XXXX XXXX XXXX XXXX XXXX XXXX, CA How do I know this????? The fraud dept sent a letter to the address ( tenant ). The tenant sent the letter to my father, who then forwarded it to me. I verified with XXXX  and XXXX  that this address does NOT exist on my address history. How did CapitalOne get this address associated with my name??? Total incompetence from most of Cap1 's customer service. I have closed all accounts, but I want a resolution on how this misinformation was added and then used to deny access to activate a credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PMAB,LLC
State: NC

Complaint narrative:
XX/XX/2019 PMAB , LLC Company has on my report I owe {$300.00} twice in XXXX on same date which is impossible. I had health insurance and XXXX   back paid all medical expenses effective XX/XX/2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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: EQUIFAX, INC.
State: OH

Complaint narrative:
My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number : XXXX. Please remove phone number that doesnt belong to me : XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX  XXXX  # XXXX, XXXX XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX etc, XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX   XXXX  # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 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: OH

Complaint narrative:
My name is XXXX XXXX XXXX, Date of Birth- XX/XX/XXXX, SSN # : XXXX, my current address is XXXX XXXX XXXX XXXX XXXX , OH, XXXX. Please remove addresses that doesn't belong to me : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX. My current phone number : XXXX. Please remove phone number that doesnt belong to me : XXXX.This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The specific information under dispute is derogatory nature. I am requesting the verification to follow reasonable procedures to assure maximum possible accuracy, of the information on my credit report. So I am requesting you verify the items I am disputing at a higher standard than a third-party database search. Please also notify the source who reported the item within 5 days after receiving this dispute, and obtain either, verbal or hand written verification directly from a person at that. Please delete/remove the following unverified accounts : XXXX XXXX  # XXXX, XXXX XXXX XXXX # XXXX, XXXX  XXXX XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX XXXX   # XXXX, XXXX XXXX XXXX # XXXX etc, XXXX   XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX   XXXX # 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 explanation
Consumer complaint received 2019-12-02 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: V and H Portfolio
State: MD

Complaint narrative:
The company has placed an account on my credit report that is not my account. They sent me a contract that was signed and its not my signature. The original company XXXX XXXX placed an account on my credit report stating that I owed them {$400.00}. I disputed this account with the credit bureau and they removed it after I tried to write the company on XX/XX/XXXX and the letter was returned to sender. Thereafter XXXX XXXX, another buyer bought this account and it was removed from my credit report after I disputed the account. I received a letter from Huffman company on XX/XX/XXXX, stating that I owed this money. I have explained to the credit bureau that this was an fraudulent account and I did not open it. I disputed this again with the credit bureau and they said that the information was verified by Huffman & Vance. This company added this account to my credit report and stated that I opened this account with them in XX/XX/XXXX with is inaccurate. I received an letter from the Huffman company with a copy of a signed contract. This is not my signature. This account does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
XX/XX/XXXX tried calling to dispute inquiries on my report that i did not authorize, put on hold for a long time, then got hung up on.. 

These are the inquiries i did not authorize to the companies XX/XX/XXXX by XXXX XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX, NY XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX  XXXX, NY XXXX XX/XX/XXXX by XXXX XXXX XXXX XXXX XXXX XXXX, UT 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 explanation
Consumer complaint received 2019-12-02 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.

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 2019-12-02 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, XXXX, Eqifax had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to  XXXX, Equifax, XXXX  and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on XXXX   ( {$260.00} ) and a collection for that same derog on Eqifax., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX XXXX XXXX  card from XXXX for the princely sum of {$260.00} along with XXXX charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( XXXX $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with 56 late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On or around XX/XX/XXXX, I decided to try and repair my credit/remove any inaccuracies that may have appeared.I found several accounts/addresses that were inaccurate, Experian, XXXX  had ( s ) fraud alerts that were most certainly not authorized.I sent dispute letters to Experian, XXXX, XXXX  and account holders via certified mail. days later, I sent a second round of letters disputing incorrect information XX/XX/XXXX just to get a response that all my accounts have been 'Validated/Verified '' .I have a XXXX XXXX closed derogatory on XXXX   ( {$260.00} ) and a collection for that same derog on XXXX., In my dispute letters, I mentioned I wanted to know their verification/validation method, never got a response from any of the three bureaus in that regard.I have a closed derogatory XXXX  XXXX XXXX  card from XXXX for the princely sum of {$260.00} along with XXXX charge-offs that has been " Validated '' and reporting on all three CB..I contacted the original creditors and what I got in return was evidence that they have no valid evidence I ever owed this debt, nor any valid reason this is still on my credit 8yrs,2mo later.I have a medical collection for XXXX on my credit from a agency that violated my HIPPA rights ( using stolen medical information to collect ) ..Just like a lot of people, I got scammed into signing up for student loans with the promises of job placement, better life ect.Every time I dispute these items, My balances raise or lower by the exact same amount ( 11-27 $ ) .If these numbers are legitimate, how is that possible? Interest alone dictates this to be impossible.I apparently have a student loan for XXXX $ with XXXX late payments..How is this nonsensical jibberish allowed to be posted to my consumer credit accounts? They ask the people that claim you owe them money if you owe, they of course say yes and that's the end of it? No original instuments of indebtness, No HIPPA realeases, FCRA violations 15 ways from sunday.

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 2019-12-02 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Bass & Associates, P.C., Attorneys at Law
State: AZ

Complaint narrative:
Disputing derogatory student loans with the Department of Education, I get a letter in the mail from '' Federal Student Aid ''. " Federal Student Aid '' Is not the Department Of Education, though they use DOE letterheads.I was told in the letter that no matter what, collection efforts will not stop because the same laws do not apply to " The Department '' .The letter also stated that my request to cease communications in writing had to be put into writing in order to be valid.The letter was rounded out by saying I owe a additional XXXX in '' Projected collection fees '' and to contact XXXX & XXXX.I sent a response containing yet another request ( 3rd ) to cease communications via certified mail.My wife got a phone call with a angry message from a woman saying I needed to call her about my student debt a few days later, then a written response saying they tried to call me because the letter I sent certified mail was empty.Its a huge burden to have student debt without the added stress of dealing with shady collectors.Anyone can see these letters all originated from the same source, and it isn't DOE, its a collection agency impersonation of DOE.They haven't provided the Original instrument of indebtness, A valid breakdown of their fees, What is owed and being reported to the CBs , and have on several occasions violated my consumer rights.I felt intimidated by these actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: KLS Financial Services, Inc
State: NC

Complaint narrative:
Kls Financial Services {$1800.00} XX/XX/2019. 

Before noticing this credit report I had been communicating with my XXXX. The person in charge of billing was XXXX who no longer works here. I was communicating with XXXX about my injury and what prevented me from paying as she stated they would work with me. XXXX who in charge also verified he saw the emails. I spoke with a XXXX from XXXX XXXX XXXX and he informed me that the letters that was sent to me was returned because they was unaware of the conversations. This amount should not be on my report because I was unaware of it going on my report. I never refused to pay and was told the office would work with me as they have before. Im asking for this to be removed. A balance is placed on credit reports when failed to pay or no communication but i communicated and was told that the office would work with me

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have shopped at Macys happily for years until very recently I applied for a store card which arrived, but every time I tried to use it my orders were automatically cancelled and I was given a message to contact customer service. I did this twice, both times they claimed there was a, temporary restriction and they needed more personal information to remove the hold. After giving the various customer service representatives my information and being on hold long periods of time, each of them falsely claimed to have fixed the issue. I contacted the XXXX, again nothing was fixed and all I received was an generic apology email from Macys ( the problem still exists and my Macys Credit Card is effectively useless, damaging my credit as they took the liberty of applying me for an additional Amex card I did not authorize ). Please help, 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 2019-12-03 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
i have called the companies THAT LIST PHONE NUMBER ON EXPERIAN SITE several times and they put me on hold, and do not come back and refuse to delete the unauthorized inquiries and Experian wont allowed any disputes of inquiries online. 

These listed companies have obtained my report from Experian without my authorization. 

XXXX by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX XXXX by XXXX 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 explanation
Consumer complaint received 2019-12-03 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:
I found out that there are two accounts on my credit report that do not belong to me. I found out today XX/XX/19 when I signed up for a credit monitoring service because I am working on improving my credit. I did not know these accounts were on my credit report because I did not open them, I've never had any written/verbal contract with any of these companies nor have I allowed anyone else to open an account with these companies. I suspect that they belong to my father XXXX XXXX XXXX. I am still investigating the situation and I have already filed a police report. I did not benefit any money, goods, services or any other benefit from any of these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-03 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
Promissory note was sent to the company and accepted ... never returned, the M & T Bank is a third party, I have no bilateral contract with M & T Bank, does not have the right or authorization to foreclosure, they are not power of attorney because all previous power of attorney was revoked in XX/XX/2019, no right to assign, loan was bifurcated, violations of 15 USC 1692, fair debt collection practices act, the GAAP Act, Deceptive Trade Practices Act, the Georgia Residential mortgage fraud act by creating false document without authority and is the the original creditor, never loan any money or gave value to be able to attach to collateral, violation of UCC Article 9, request name and address of Original creditor by way of securitization transaction audit on mortgage for proof only. Not a party to promissory note. Talked with them and said they were waiting to accept the promissory not, never returned and is being traded because never returned and trying to steal my house in fraud. I will not accept any thing but a forensic audit from non affiliate of M & T bank, and cease and desist from debt collection or threats to sell my he without legal or equitable title as all power of attorney to able to create any Deeds to conveyance of my home. In accordance with 31 US 3123 the secretary of the treasury is supposed to pay all obligations of the public debt because u can not pay a debt with a debt instrument. And the note was sold illegally and not assigned.

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 2019-12-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MN

Complaint narrative:
XX/XX/XXXX, we purchased our current home. Our mortgage broker provided us an 80/20 loan. The 80 % portion was financed through XXXX XXXX, and is current. 
The 20 % portion was originally through XXXX, which was provided at 9.9 % interest for 15 years. Approximately XXXX, that portion was sold/transferred not sure which, to SPS Servicing. My account information with them shows that my loan Maturity date is XX/XX/XXXX. I called on XX/XX/XXXX and was informed that on XX/XX/XXXX, I would need to pay the remaining balance, of which would be near {$37000.00}. 
My concern is that I have made to date 154 payments at {$370.00} per, or roughly {$58000.00} on what was originally a {$43000.00} loan. I find this highly suspect, as I was informed that of the {$370.00} payment, Im still paying near {$300.00} in interest after 13+ years. 
How can companies get away with this?

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