vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: MO

Complaint narrative:
ACCOUNT RESOLUTION CORP XXXX XXXX  XXXX XXXX MO XXXX Acct # XXXX Amount : {$280.00} Dear ACCOUNT RESOLUTION CORP, After viewing a copy of my credit report, I noticed a collection account placed on my credit report from you in 2019. I am requesting that you allow me to validate the alleged debt. I am unaware of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. 
Additionally, I am allowed under the Health Insurance Portability & Accountability Act  ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofoldvalidation of debt and HIPAA authorization. 
1. Please provide breakdown of fees including any collection costs and medical charges. 
2. Provide a copy of my signature with the provider of service to release my medical information to you. 
3. Cease any credit bureau reporting until the debt has been validated by me. 

Please send this information to my address listed above and accept this letter, sent via CFPB, as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. 
Additionally, any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Diversified Consultants, Inc.
State: VA

Complaint narrative:
Diversified Consultants keeps calling me. They say they are calling on behalf of XXXX. I haven't done any business with XXXX EVER. They have called at least 6 times and they demand that I tell them my Social Security number. I have told them EVERY SINGLE time they have the wrong person and to leave me alone. They have refused to leave me alone. They are an abusive and corrupt company. They should be fined and imprisoned. It is not acceptable to call random people out of the phone book and demand personal information OVER AND OVER.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: FL

Complaint narrative:
AFTER REVIEWING MY CREDIT REPORT. I FOUND SOME INACCURATE INFORMATION THAT IS A VIOLATION OF THE FCRA FROM XXXX, EQUIFAX AND XXXX. 

ADDRESSES THAT ARE NOT MINE : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX-XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX -- NOT MINE XXXX XXXX XXXX XXXX  XXXX  XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL 3XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXNOT MINE XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, GA XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX XXXX XXXX XXXX, FL XXXXNOT MINE XXXX XXXX  XXXX  XXXX XXXX, FL XXXXNOT MINE PHONE NUMBERS THAT DOES NOT BELONG TO ME- ( 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 ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX THESE NUMBERS ARE NOT MINE SSN THAT ARE NOT MINE- XXXX XXXX XXXX PUBLIC RECORDS THAT ARE NOT MINE Record Type Chapter XXXX bankruptcy Reference Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: NC

Complaint narrative:
Experian reinserted an account that was deleted from XX/XX/2019. They said that I had initiated a dispute. Hiw can you dispute an account that was deleted 3 months ago? I called Experian and they said it was a different account. I only had one account with credit one. I reviewed the account and it was in fact the same account. I have a letter from credit one saying they are going to delete the account. I sent the letter to Experian and they say the account remains and has been updated.

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 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Several Overdraft fees of {$35.00} each. Bank of America. Also charging fees of up to {$8.00} to see my balance on the atm when the mobile app was down.

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 2019-06-20 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: CA

Complaint narrative:
For many years, I have a XXXX XXXX card which automatically gets paid by my Bank of America ( BoA ) bank acct. On XX/XX/2019, XXXX XXXX sent a bad credit to credit agency stating I didn't pay for a XX/XX/2019 bill. I called XXXX XXXX and provide fax copies of my BoA showing that it was automatically paid. Next, XXXX XXXX and Bank of America both stated that there was acct number discrepancy. I explained to them that I've been a customer for many years with both organization and did not change my card or other info. After many calls, email and fax, both XXXX XXXX and BoA appear to be both blaming each other but not helping me resolve this. 

Can you assist in this billing dispute by contacting the business and also help correct my credit report related to this matter.

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 2019-06-20 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: FL

Complaint narrative:
There are inquiries about an mortgage and car loans and a couple other unknown credit card companies that are not being inquired from myself and I have a concern about the research information that I obtained in regards to my credit report and I have to say that after I received the letter from the XXXX  XXXX  XXXX  XXXX and XXXX XXXX XXXX XXXX and them saying that my personal sensitive information has been compromised by the web payments regarding some credit cards and payments due by 2020 and I have never tried to get a mortgage or a loan for a house in all my life and I have been trying to understand why I have been asked questions about my credit report and been told that they could not identify me giving the information I provided, which is the correct information for my life and my own actions. But because I didn't answer the questions right that means that someone is using my identity and my credit report for their own benefits and I don't have a clue what to do about the situation and the legalities regarding the situation as being a person that has been a victim of identity theft and my son as well. My deceased father 's veterans affairs have been breached and I have been left behind in regards to the changes that I was supposed to look forward to after my father 's death, I was not mentioned as his youngest daughter and I have been trying to get the details from the SSA and the VA. I have a list of suspects that I can provide that could be involved in regards to my credit report and identity theft as well as my father 's information and my youngest son and his grandmother opening up a account for a check to be direct deposited into the savings account with my son 's name on it and it was titled as a XXXX check with research it is a back child support payment for the child my son. I believe it was stolen from my family and I want to get to the bottom of all the things that are going on, I know my son 's father is using people 's identity that have passed away and that have no idea that he is stealing their identities. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear CFPB, Under my private rights of action and administrative process I want to report that Ocwen has repeatedly ignored and has failed to respond to my Qualified Written Request and Dispute of Debt and Validation of Debt Demand Letter dated XX/XX/XXXX sent Certified Mail # XXXX. 
I never contracted with Ocwen at any capacity and have never had any business relationship verbal or written. The OCWEN Account # XXXX corresponding to my property at XXXX XXXX XXXX XXXX CA  XXXX was created without my authorization and through identity theft of my personal and private information. 


The Second Notice of Fault in Dishonor and Opportunity to Cure was served on XX/XX/XXXX Certified Mail # XXXX. 

The Third Notice of Default in Dishonor Discharge of Obligation to Pay Instrument was served on XX/XX/XXXX including my Notarized Affidavit of Non Response. 

Attached please find the above mentioned demand letters and notices for your confirmation and records. 

attentively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Screening Reports Inc.
State: MO

Complaint narrative:
XXXX  XXXX  notified me of a hard hit against my Credit score when i have not applied for anything. 

Scring rpts on XX/XX/2019 XXXX

Company response to consumer: Untimely response
Consumer complaint received 2019-06-20 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I have a hard inquiry on my credit report from JPMCB CARD SERVICES, XXXX XXXX XXXX XXXX, DE XXXX ( XXXX ) XXXX Inquiry is from XX/XX/2018. 

I had nothing to do with this. When I got my taxes back last year ( 2018 ) the IRS sent me a letter saying I have suspicious activity and may be a victim of identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX NY Amount {$1000.00} Dispute # XXXX I ordered a XXXX from XXXX XXXX, never received except open package. They provided discover with signed fed but it was not validXXXX XXXX XXXX never filed claim since they had no insurance. Discover refused to assist since they said merchant provided fraudulent signature. XXXX XXXX refused to assist and discover refused to assist too.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
There are inquiries about an mortgage and car loans and a couple other unknown credit card companies that are not being inquired from myself and I have a concern about the research information that I obtained in regards to my credit report and I have to say that after I received the letter from the XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX and them saying that my personal sensitive information has been compromised by the web payments regarding some credit cards and payments due by 2020 and I have never tried to get a mortgage or a loan for a house in all my life and I have been trying to understand why I have been asked questions about my credit report and been told that they could not identify me giving the information I provided, which is the correct information for my life and my own actions. But because I didn't answer the questions right that means that someone is using my identity and my credit report for their own benefits and I don't have a clue what to do about the situation and the legalities regarding the situation as being a person that has been a victim of identity theft and my son as well. My deceased father 's veterans affairs have been breached and I have been left behind in regards to the changes that I was supposed to look forward to after my father 's death, I was not mentioned as his youngest daughter and I have been trying to get the details from the SSA and the VA. I have a list of suspects that I can provide that could be involved in regards to my credit report and identity theft as well as my father 's information and my youngest son and his grandmother opening up a account for a check to be direct deposited into the savings account with my son 's name on it and it was titled as a XXXX check with research it is a back child support payment for the child my son. I believe it was stolen from my family and I want to get to the bottom of all the things that are going on, I know my son 's father is using people 's identity that have passed away and that have no idea that he is stealing their identities. My email is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: DISCOVER BANK
State: CA

Complaint narrative:
Case Number:XXXX Merchant Name : XXXX XXXX XXXX XXXX Tx Dispute Amount : {$420.00} XX/XX/2018 I ordered this mattress foundation on XX/XX/2018 and cancelled on same day and received confirmation that the refund would be processed. Did not show up on my discover statement. I sent them a dispute and the merchant sent them a delivery but I never received it as I had cancelled it and signature presented was not mine. I never received any merchandise and I cancelled it. I am not sure who they delivered to or who partakes in this but it wasnt me. I have no merchandise. Please assist in getting the credit. Discover card refuses to assist and as far as I am concerned it is fraud I never partakes in any merchandise after cancellation. this is fraud and unacceptable. Thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, attached you will find my Proof of Claim, Conditional Acceptance for Value sent to Ocwen on XX/XX/2019 certified mail # XXXX. 

As of today, Ocwen has not responded to my Proof of Claim and Conditional Acceptance for Value under my private rights of action.

In addition, at question are instruments and assignments recorded at my property XXXX XXXX XXXX XXXX XXXX, CA XXXX. 

attentively, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: LA

Complaint narrative:
The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency XXXX CRA XXXX counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX XXXX  XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! SECURITY XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXNACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXA VIOLATION! REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATEL! XXXXA VIOLATION! REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
The FCRA says you have a duty to investigate. The XXXX Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX XXXX XXXX/XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX  XXXX ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATEL! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY!

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