vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: TX

Complaint narrative:
To Whom it May Concern : After viewing a copy of my credit report I noticed three collection accounts placed on my credit report from you this in 2017 with the same account number # XXXX. 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. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and 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 patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: IN

Complaint narrative:
Every year since XX/XX/XXXX, my Credit information has been mixed with my Father 's at all three Major Bureaus. I  have the annual battle most every year. Equifax in Ga. is the most blatant offender. I am XXXX XXXX XXXX XXXX. I did sign documents as XXXX XXXX XXXX XXXX. XXXX XXXX XXXX is also Legally Correct as my Identity. I 've never Identified or Signed or otherwise AKA myself as other than what you read here. Banking, Legal Documents, Paychecks all have been with the XXXX as my NAME! In desperation in around XX/XX/XXXX, I started signing My Name as XXXX  to XXXX PROOF my name and protect my Identity. Yet the Battle continues as this year too I am engaged and embattled to protect my Identity. My Wife and I have been Victims of Identity Theft close to or more than 6 times since around XX/XX/XXXX. 
XXXX XXXX reported me as XXXX XXXX XXXX XXXX. I 've requested to fix this through disputes. 5 ( maybe 6 ) Times?? The FIX ; now I 'm my dead father - XXXX. 
Equifax reports me as XXXX XXXX XXXX XXXX. After 2 USPS Letters addressed to my XXXX Father, which I wo n't open. & Phone Calls. An online dispute netted a resolution of an Email was sent to me in : my XXXX Father 's name. 
. XXXX XXXX : Still mixing my Info with my XXXX father. idpute lodged, second response still the same. His name with a Credit report of his information about a XXXX XXXX XXXX he opened i XX/XX/XXXX. We went Bankrupt in XX/XX/XXXX, it was discharged in XX/XX/XXXX .. Irt was closed by the Grantor in XX/XX/XXXX. He XXXX in XX/XX/XXXX. Yet, it is still listed in MY CREDIT REPORT. 
XXXX .. I did not receive a report in the Mail as requested ... YET. 
All there of these re [ orted my Wife and I as paying as agreed on accounts way past the Bankruptcy Discharge Date. Well past 10 years stl reporting falsely.
I am unable to call or through the internet XXXX to find out if my Wife or I either had been part of the XXXX Recent foo pah .. 
Do you enforce the LAW? Please do ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Bank account was emptied by fraudulent debits. Chase is not being responsive.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In view of the XXXX fiasco I wanted to place a freeze on credit reports. XXXX XXXX web site took took about 3 minutes to complete, with reasonable requirements for verification of identity. 
XXXX XXXX process took far longer and multiple attempts to complete with ridiculous questions about former residencies and loans, more of a marketing ploy than a service but eventually completed. 
Transunion 's process is obviously either designed to prevent access or is done by incompetent IT people. It required name, address, SSN etc as expected, but then required creation of a user name and password, and then multiple questions about previous mortages, residencies, banking history, and phone numbers etc. After submission I got a message something like " can not identify you based on answers '' but no suggestion of which answers or how to correct. A reattempt generated a message that I already had a user name and password, but would not accept those just set up. A " contact us '' phone number was given but was the same format via a menu of choices. 
I attempted to complete by touch tone phone with same results. Obviously their information is faulty. An address is given to apply by mail, but no form or list of information required or human contact info so no chance to correct " errors ''. 
The obvious carelessness of these companies, along with revelation that at least 2 of them give different reports to consumers and merchants and lie about it, destroy any credibility. Fortunately I am no longer dependent on loans or mortgages, but have had difficulty in the past despite never having defaulted on an obligation, and very rarely late. I now understand why. 
More concerning to me is the likely exposure of other accounts and information to hackers, either against the bureaus or their customers. 
They should at least be required to obtain permission from their victims before collecting and disseminating private information and have actual contacts available to correct errors. 
Computers will never be hacker-proof, but criminal negligence such as that by XXXX should result in jail time for the culprits, not in fines paid by stockholders.

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 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
I opened a BBVA Compass Clear Choice Checking with a promotional bonus of {$200.00}. The terms state that in order to receive {$200.00}, you must open a Compass Clear Choice Checking before XX/XX/XXXX and after openeing the account, make an electronic deposit from an unrelated 3rd party of at least {$300.00} into the account within 60 days of account opening. The bonus should post within 60 days. I qualified for the terms on XX/XX/XXXX with an electronic deposit of {$300.00} on XX/XX/XXXX and I have yet to see the bonus post to my account. After reaching out to BBVA compass they have been unhelpful and are unwillilng to solve the issue per the terms of the promotion. Timeline : Account Opening Date : XX/XX/XXXX Electronic Deposit {$300.00} : XX/XX/XXXX On XX/XX/XXXX, BBVA responded that in order to qualify for the bonus, the account must have a positive balance, and that in order for the bonus to post, I would need to have funds in the account. Once the funds are in the account, the bonus would then post. 

I have deposited {$100.00} into the account and I still have not received the bonus as stated in terms and conditions, as well as BBVA compass reply to my original CPFB complaint # XXXX. My efforts to reach BBVA compass through customer service have been exhausted.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Northeast Recovery Solutions, LLC
State: MO

Complaint narrative:
XXXX XXXX Services or XXXX ( XXXX ) continues to contact me at my office, involving my boss and co-workers in this fraudulent attempt to collect a debt. I have asked them REPEATEDLY to stop calling my office and only to contact me via XXXX Mail. The last call was on XXXX @ XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: LJ Ross Associates
State: MI

Complaint narrative:
It has been brought to my attention on XX/XX/XXXX after I had reviewed my own credit report which I do about twice a year. There had been a collection acct in the amount of {$110.00} acct : through LJ ROSS ( original creditor : XXXX XXXX XXXX XXXX ). I was never properly notified of this neither by phone or mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: UNITED ONE RESOURCES, INC.
State: MD

Complaint narrative:
A company name United One made three hard inquiry once a month on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX without my consent. A company name XXXX XXXX made a hard inquiry on XX/XX/XXXX also without my consent. I have never seen this show on my credit report until recently, and i check my credit report via XXXX XXXX daily.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with CONVERGENT XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with CONVERGENT XXXX. Also upon further review of my own I discovered this company is not licensed nor bonded in the state of Florida to collect any debt. I am in receipt of my credit report dated on XXXX XXXX, XXXX and I am for certain that I do not owe your company any money. For starters, I have never done business with you. In fact, I had never heard of your company until having received my credit profile. What I find strange is your attempt to settle the debt with me when I do not owe you any money in the first place! Please see this as me disputing this alleged debt with your company as well as requesting debt *VALIDATION*. You have more than enough time for your company to send me and CFPB legal supporting documents bearing that I 've done some type of business with you, *HENCE OWING YOU MONEY*. This is not my debt. Since this " UNKNOWN '' debt appears to have been sold to a collection agency anyway. The contract should be CANCELLED!

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 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
On XX/XX/XXXX, I opened an account with Union Bank through a promotion they have advertised. The promotion is for {$200.00} when opening a Banking By Design checking account and either making a direct deposit of $ 500+ or 10 debit card transactions. 

After successfully opening the account on XX/XX/XXXX, providing SSN, personal information, details, I was happy to have been instantly approved for the account, assigned a Checking Account Number and Routing number. I immediately went to my own bank and set up an ACH transfer to transfer {$500.00} into the account to begin utilizing the account and taking advantage of the bonus promotion. To my surprise, the {$500.00} ACH was rejected by Union Bank, my account was closed, and I received a letter in the mail. The letter stated that they have closed my account due to Credit Reporting Agency and that they have determined I am not eligible for the account. 

This is concerning on many levels. Union bank collected my information, checked my credit, obtained my SSN, opened my account, issued an account number and then proceeded to close my account after funding. As a result of this account closure and subsequent ACH return, I was assesed a fee by my bank that initiated the transfer. I believe this is completely unjust banking practice

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 2017-10-19 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am growing incredibly frustrated by Equifax and their violation of the law. I continually dispute an inaccurate and illegal Lien showing up on my credit report under the public records section and they keep updating it as accurate and sometimes they even change the information around to make it more inaccurate and confusing. 

No where in the other bureaus does public record item # XXXX appear because they are following the law. Equifax is violating it. This lien is not on file! I am not tied to this lien this lien was for a BUSINESS. I have asked Equifax to reinvestigate this and show me how they verified it, but they have no answer for me and keep redirecting me to the XXXX XXXX XXXX. 

There is no proof that this belongs to me, personally. It can not be on my records, this is wrong. This was for a business, I am not the owner of that business. 

Public records are not legally allowed to show such liens anymore. The consumer Financial Protection Bureau executed a law against this very kind of this effectiveXXXX XXXX, XXXX. 

No social security number can be verified, no complete address or name. so how is this being tied to be? I have been matched to it illegally because in the past I was associated with a business, but this has nothing to do with me. 

PLEASE SEE ATTACHMENTS FOR EXPLANATION : Since XXXX i have disputed this item over and over again and on XXXX XXXX, XXXX I sent another dipsute asking for a full investigation and deletion via Certified Mail Return Receipt Requests, and on XXXX XXXX, XXXX a XXXX XXXX accepted my letter and on XXXX XXXX, XXXX they responded with a claim that it was verified and that this time the amount is not {$120000.00} it is {$12000.00}! 

WHAT IS GOING ON? Who is investigating this, changing the information around and verifing this in merely 3-4 days? How is this possible? The new laws STATE that all information must be verified with the clerk and be no more than 90 days old. Who verified this? who changed it? who went to the county? If there is a bogus system at work here it is matching the WRONG people to the WRONG information and harming their credit reports. Why is it that Equifax is the only one form all 4 bureaus having this issue? It took one simple dispute with the other agencies for them to see that it is not MY lien! This is a business account. 

I have attached the conflicting reports to this dispute. Please note that the screen shot showing the public record item was taken TODAY and even though Equifax now claims this lien is not {$120000.00} it is {$12000.00} it is STILL reported as {$120000.00}. I just want to show that they are truly unorganized, unprofessional. This is costing me hundreds of thousands of dollars because I am being denied credit and refinances because of this inaccurate an illegal lien. 

WHO WILL HELP?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
To Whom it May Concern : After viewing a copy of my credit report I noticed a collection account placed on my credit report from you in 2017 account number # XXXX. 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. If any fees are owed and documentation is provided that info should have also been forwarded to XXXX and XXXX. Additionally, I am allowed under the Health Insurance Portability and 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 patient 's authorization. Therefore, my request is twofold -- validation of debt and HIPAA authorization. Please provide breakdown of fees including any collection costs and medical  charges. Provide a copy of my signature with the provider of service to release my medical information to you. Cease any credit bureau reporting until the debt has been validated by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Strategic Alliances, Inc.
State: TN

Complaint narrative:
received a letter from XXXX XXXX XXXX XXXX concerning a debt from XXXX XXXX XXXX for XXXX i spoke to them on 3 occasions concerning the issue. i informed them that this was do to fraudulent transactions. the debt collector was only concerned with getting a settlement of XXXX regardless of the issue. i also asked them for everything they had from XXXX XXXX but received nothing from them. they have ignored my request to dispute this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 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: SC

Complaint narrative:
I would like to file a complaint against Equifax for knowingly placing inaccurate information on my credit report. I disputed inaccurate information and inaccurate inquiries. 
Equifax investigated and sent me their dispute results. They deleted XXXX collection account and deleted XXXX inquiries. But on the new updated credit report Equifax sent me. Equifax listed the same XXXX inquiries and the same collection account that they deleted from their investigation. Equifax is knowingly placing deleted inaccurate information on my new credit report. I want Equifax to be fined for this, and made to remove this information a XXXX time from my credit report. This is so outrageous. I will be enclosing a copy of everything as proof. Please view below : Inquiries removed : ( XXXX ) XXXX XXXX  DATE OF INQUIRY XXXX/XXXX/XXXX. ( XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX ) XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX ) REXXXX XXXX DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX. XXXX XXXX XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX DEALER SERVICE, DATE OF INQUIRY XXXX/XXXX/XXXX XXXX XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX ( XXXX ) XXXX XXXX XXXX, DATE OF INQUIRY XXXX/XXXX/XXXX Collection Account removed : XXXX XXXX, ACCOUNT NUMBER XXXX The XXXX inquiries and XXXX collection account were deleted by Equifax. XXXX XXXX XXXX and XXXX XXXX of the enclosed report. Page XXXX of the update credit report shows Equifax relisted the deleted collection account, XXXX XXXX, ACCOUNT NUMBER XXXX. XXXX XXXX of the updated Equifax credit report shows Equifax relisted all XXXX inquiries they deleted, which are located on XXXX XXXX and XXXX XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SKO Brenner American, Inc.
State: CO

Complaint narrative:
Following letter mailed to SKO Brenner XX/XX/XXXX, with account numbers, dates and dollar amounts, together with supporting documentation. I was never sent a past due notice ( which the payment was not nor notified the invoice was being turned over to a collection agency : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, NY XXXX Re : XXXX-XXXX, XXXX account # Dear Sir, I am responding to your collection notice regarding the above referenced debt dated on XX/XX/XXXX. The debt identified in the notice was XXXX-XXXX, XXXX, Account # in the amount of , and referenced client #. 

I do not owe the debt and have enclosed the copy of the wire transfer from my personal checking account for $ to XXXX-XXXX, in addition to, the portion of my personal bank account statement verifying the payment cleared my account on XX/XX/XXXX. I do not owe for the debt you that you are attempting to collect. 

Please record that I dispute having any obligation for this debt. If you have reported this collection of debt to a credit bureau, I require a copy of the completed correction in your reporting submitted to the credit repository ( s ). 

Thank you for your cooperation. 

Sincerely, Cc : XXXX-XXXX, XXXX XXXX XXXX XXXX XXXX Colorado Attorney Generals Office Enc.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I opened a 360 checking account with promotion code : XXXX. This promotion is for a {$300.00} bonus for opening a 360 checking account account with Capital One and making two direct deposits of at least {$250.00} or more within 60 days. I have met all the terms outlined in the promotion, but have not yet received the bonus. I contacted Capital One and they have informed me that I will not be receiving the bonus, with no explanation. Account Opening Date : XX/XX/XXXX {$250.00} Direct Deposit : XX/XX/XXXX {$250.00} Direct Deposit : XX/XX/XXXX The terms of this promotion are outlined clearly and I have met all the requirements.

Company response to consumer: Closed with explanation