vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called XXXX, TransUnion, and XXXX  multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. 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 2019-04-29 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: GA

Complaint narrative:
To Whomever This May Concern : My name is XXXX XXXX. My first issue is that my name needs to be updated on my credit reports due to marriage and any other known names on my report should be removed. I have called XXXX, XXXX, and Equifax multiple times and it is extremely irritating to be passed around to multiple departments to speak with a human. I need my employers disputed and removed off of my report for all bureaus. I need all addresses to be removed off of my report other than the one that I just updated and that shows on my drivers license that is attached and my utility bill. I need all inquiries removed and/or disputed from my report please. I do not have a car in my name and I haven't applied for one in quite awhile. I do not and I have not ever had a car loan in my name with XXXX XXXX XXXX, XXXX XXXX XXXX, or XXXX. I do not owe XXXX any money that is being reflected by XXXX XXXX XXXX. I do not, nor have I ever had an account with XXXX XXXX. Any inquiries on my reports should be removed because I haven't applied for anything. All I would like is for these items to be removed. I also do not have a bankruptcy and I haven't filed. I would like those removed as well. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Healthcare Receivables Group, Inc.
State: NC

Complaint narrative:
Fair resolution would be to have the derogatory inquiry removed from my credit file on the grounds of me trying to begin the homeowner process of purchasing and better understanding my credit from this life learned lesson. If the remark was removed it will assist me in this process of financial stabilizing my future as well as my families future.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
In XXXX of XXXX Santander Bank froze my loans after I received two checks from fema. I then had to switch to a new bank and requested payoff statements from XXXX XXXX. She provided these with {$0.00} listed as the satisfaction fee. My new bank then paid off the amount using the new loans. Flash forward to XXXX, XX/XX/XXXX. I realize I never received a payoff statement during another round of fema. I tried to deal with this with Santander but they informed me I owed a satisfaction fee which they took out of my new bank account.

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 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Action Revenue Recovery, LLC
State: AR

Complaint narrative:
First of all I went to the hospital because of intense stomach pain, I had medicaid so it should have been covered.The original place was XXXX  XXXX XXXX   XXXX. The dates they had at Action Recovery Llc did not match the date of the debt and I tried to sort everything out but it had already been a long time to find out why it didn't get covered as they said.I finally made an agreement with Action Recovery LLC and they told me they would take it off my record if I paid an amount of XXXX on XXXX XXXX and not the XXXX as long as I made the payment that day.They lied and never took it off instead they sent it over to a different collection company I believe ARS, still for the same amount of XXXX. I tried to dispute this but nothing was resolved.I have the receipt they sent me in my e-mail and I have proof in my bank account statement that they did get the money. Please look into this, I'm a single mom of XXXX kids and I was just trying to do the right thing and pay it this was a very big sacrifice for my family to pay that amount of money only to be robbed by them. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: IN

Complaint narrative:
XXXX XXXX 2019 This is a reply to Key Banks letter sent on XXXX XXXX 2019 and second complaint as well as the answer to their letter dated. 
I opened my Promotional {$500.00} Checking account with KeyBank on XXXX XXXX 2019 as required by the attached documentation and expiration date of XXXX XXXX 2019 as stated on the document. 
When I heard other customers, who opened there account through the same online portal received the promotion code for a {$300.00} I Immediately got on the phone to make sure my promotional code was correct for the {$500.00} Code XXXX. 
At that time I was even less pleased to find out found out it was not for the {$500.00}, but also not for the {$300.00} but {$200.00} Promotional code and told them at the time I had clicked on the {$500.00} promo with the correct code of XXXX as well as the online document published at the time, they acknowledged the correct code for the {$500.00} promo was XXXX but could not change it in their system. 
I was given several numbers to call and correct this amount again from {$200.00} to {$500.00} and finally told to stop in the local branch and show them the promotion and they can simply change the code. 
When I stopped in the XXXX XXXX branch and talked with Ms. XXXX XXXX she would have to do some research because she could not change the code as well and returned my call and said I would have to come back in the branch and close my account and re-open with the correct code. When I arrived, I was told it was past the date for the {$500.00} promotion I would not be allowed that promotion even though I had a copy of their website of the {$500.00} promotion with the correct code, and again I opened my account again on XXXX XXXX 2019 as required. I do have the information and did have it on hand at the time when I went into the branch and its not from a second party the promo code is correct and so is the article and code when I showed Ms. XXXX. 
I disagreed with her, as it again was not my fault that I had to go through this all over again only to still not qualify for the correct promotional checking account the reason for the first complaint. 
On XXXX XXXX 2019 I received a letter from XXXX XXXX KeyCorp Executive Offices OH XXXX XXXX XXXX Ohio License number XXXX XXXX XXXX, XXXX, OH XXXX which kept referring to a {$300.00} promotional checking even when all along I had the correct code for the {$500.00} XXXX and offer letter online. The document attached as well as the promo code is Key Banks {$500.00} promotional code. 
Should you have any questions, please feel free to contact me at the email address on the first page. 
Sincerely XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I found " XXXX XXXX XXXX '' amongst other bonds. XXXX XXXX XXXX Bank, XXXX XXXX branch in New York issued this bond to me ( maiden name XXXX ) in XXXX of 1972. When I found it, I went to my local CitiBank branch in XXXX, NJ to cash it in. I spoke with a banker named XXXX XXXX, who told me there was no way to cash in the bond because systems were entirely different than at the time of the issue. He gave no further suggestions about how to resolve this problem.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: The Outsource Group, Inc
State: NV

Complaint narrative:
My Original Creditor XXXX XXXX Hospital transferred my medical debt to XXXX who reported my debt to collection on XX/XX/2018. In my belief, this was not within the 180-day grace period for consumers to resolve any medical debt before it appears as a past due amount on their credit report. My last payment was XX/XX/2018. As soon as I received a letter from XXXX  on XX/XX/2018, I tried calling but kept getting transferred saying that my account is on a different department, or will be given a different phone number to call. I would also receive a regular call/voicemail which is an automated person when answered. 
My main concern is that I have tried to the best of my ability to settle this debt and yet I can never get a hold of someone who actually handles my account. It's very unfair when it showed up on my credit report, bringing my score 100 below and not being able to get a hold of the creditor. 
I have also tried disputing this with XXXX, but I couldn't explain my situation with the very limited words I can use to dispute online. 
I have attached a phone log with different phone numbers of XXXX, as well as the actual bill with my written notes. I have also attached my last payment to XXXX XXXX Hospital. 
Thank you very much.

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 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
XXXX XXXX ACCT. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. ACCESS CREDIT FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.

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 2019-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I deposited XXXX dlares inside a Bank of America ATM the ATM had an error it chew up my money did not processed my money in I did not receive the slip summary of my deposit but only a receipt with a number to call I went inside the bank to look for someone to help me I was inside the branch for about 1 hour they even helped to call the claim department but nothing was successful the claim department told me they would credit my account later with the XXXX dollars so Bank of America actually did credit my XXXX 2 weeks later I thought everything was fine but 45 days later I was checking my online banking and they had my account minus XXXX I called them and they said that they never found extra XXXX dlares in that ATM they have overdraft my bank account now I cant use my account I cant deposit money they want me to pay the XXXX back to them I have been calling this people everyday spoke with they claims department everyday they said my claim is close already I told them I was going to tell my local News who help the community consumer complains to make this publish and help me thats how I make them to reopen my claim again I told Bank of America to check the footage of the ATM vdeo record they refusing to do it the last thing they said was they couldnt find any footage how come in 2019 there is no way for Bank of America to obtain a footage of your ATMs I know Im not crazy and I know for sure if the check the cameras they would show up Me making a deposit on XX/XX/XXXX Getting the lil slip with a number to call because it was a error with the ATM XXXX 
please I need some help thank for reading do not trust Bank of America

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
There was a 2nd ERROR resolution letter that went out on XXXX XXXX .It was assigned to XXXX XXXX Resolution Specialist Executive Mortgage Servicing Complaint and it was also sent to CEO XXXX XXXX XXXX of Bank of America.In response to our request we were given a date to receive a report which was XX/XX/2019 .We are now approaching an illegal foreclosure on XX/XX/XXXX XXXX.Part of our request deals with the Securitized Trust   XXXX XXXX Remic XXXX Trust ..The period of operation for the Remic Trust  was limited to 90 days. The investigations show it was only during that period that the loan could have been purchased by the Trust.The alleged transfer took place 4 years after the operations of the Remic Trust   closed.Delaware law says the same thing as the New York law : any act in contravention to the terms of the Trust are void.We have 2 PSA 's that say the same thing.The subject loan was already declared to be in default at the time of the Transfer.Hence the loan was not a " qualified '' loan under the terms of the PSA 's ( It also means that none of the presumptions under the UCC apply as to possession, holder or endorsement of the in which that which may have is defective as well as fraudulent .We have concrete evidence why we strongly believe the debt does not exist, the debt does not exist between us the borrower and the debt was paid in full this makes you a pretender lender. this loan was not secured i.e. that this mortgage lien was not perfected when filed.We have two investigations that show this debt has been paid and the truth of fraudulent activity In XXXX We Trust Psalm 25 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 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
XXXX XXXX XXXX. DATE OF MEDICAL PROCEDURE AND/OR COLLECTION PERIOD IS BEYOND THE TWO YEAR STATUTE OF LIMITATIONS UNDER ARKANSAS STATE LAW. PLEASE REMOVE. 

REQUESTED XXXX XXXX TO VALIDATE THE DEBT ON OR BEFORE XX/XX/2018 VIA CERTIFIED MAIL. XXXX XXXX  FAILED TO PROVIDE THE REQUESTED INFORMATION INCLUDING THE ORIGINAL BLUE INK SIGNATURE TO CONFIRM THE DEBT. PLEASE REMOVE.

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 2019-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: AL

Complaint narrative:
Opened XX/XX/2017 Amount {$1600.00} Account was not opened by me. Account was opened by family without my knowledge or approval

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: GA

Complaint narrative:
I received my credit report and saw that a company called XXXX XXXX was collecting a debt from me for medical services at XXXX XXXX XXXX XXXX. The date of service was in XX/XX/XXXX. I paid payments to XXXX XXXX XXXX over a period of 6-12 months. XXXX XXXX refuse to remove the debt since it was already paid, however in XX/XX/XXXX we can to an agreement and it was remove XX/XX/XXXX by all three bureaus .Now XX/XX/XXXX its back reporting on XXXX XXXX for XXXX dollars more than the original amount of XXXX dollars. It is now being reported by Wakefield and Associates for XXXX XXXX. XXXX was collecting for XXXX XXXX XXXX. Each time this debt is remove, paid or debt with another company takes it over and devastates my credit yet again. I have requested Wakefield and associates to send proof and valadiate this debt which should have been done prior to sharing a collection with the credit reporting agencies, XXXX is disputing this debt how ever they have all the documents of when it was remove and allowed another collector to put it on my credit report. This needs to be remove and the company debt with for illegal deft practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-29 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: GA

Complaint narrative:
On XX/XX/XXXX I received a copy of my personal credit report from Experian credit reporting and found out they were reporting 2 accounts from XXXX XXXX services that I did not recognized. I wrote the company on XX/XX/XXXX requesting verification as per the Fair Credit Reporting Act. They send a generic letter stating that they have verified the account that is mine. I wrote again on XX/XX/XXXX requesting proof of the verification to include a contract/agreement with my signature and all other information to verify the account is mine. They responded on XX/XX/XXXX with the same letter as the one I received on XX/XX/XXXX same respond that they have verified that the account is mine. They did not provide a proof of verification or anything to show that they verify the account. I wrote XXXX XXXX at the Executive Office of XXXX on XX/XX/XXXX requesting proof and verification that the account is mine. They responded with statements for a company name XXXX XXXX XXXX. I send Ms XXXX another letter on XX/XX/XXXX letting her know that this is not my company and again requesting proof and verification as required under the Federal Fair Credit Reporting Act ( 15 U.S.C. Section 1681 ). To date I have NOT received any respond to my second letter. It has been way over the 30 days require by law. I wrote Experian again on XX/XX/XXXX, included the letter and respond from XXXX. Letting them know that since XXXX has been unable to provide proof and verification of the account. If they the reporting agency are unable to provide proof and verification that the accounts should be removed from my personal credit file. They responded stating that they have responded to me before and will NOT respond or provide any verification. This is clearly a violation of the Fair Credit Reporting Act. For months I have been trying to get this resolve. Experian has yet to provide the proper proof of verification require by the Fair Credit Reporting Act however they continue to report accounts on my credit report that is unverified and not mine. This bad reporting is causing severe hardship for me and my family and non of these companies involve is concern. This has affected my ability to get a job, to get credit, to send my son to school, to get my professional certification to help better my life. This has made it extremely difficult for me to provide for the basic needs for me and my family. I am in desperately in need of your help to get this company to remove the unverified accounts from my person credit report. They do not care how this is affecting me despite the numerous times I have reach out to them.

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 2019-04-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
I received a letter of foreclosure dated XXXX XXXX from Nationstar/Mr. Cooper and I did not understand why when I called them to inquire why I was receiving this they told me they couldn't speak to me about anything because my ex wife filed bankruptcy in XX/XX/XXXX but this was after she signed over a quick claim deed to me on XX/XX/XXXX which was received and notarized by the register of Deeds. Nationstar/Mr. Cooper stopped sending me mortgage statements so I have been making my mortgage payments based on what I had been paying all these years. In XXXX I had received a Escrow Review statement from Nationstar/Mr.Cooper which stated I had a shortage or {$190.00} and beginning XX/XX/XXXX my mortgage payment would be {$1300.00} and then all of a sudden I receive a Foreclosure Notice which no one wants to give me any information and I'ts very frustrating, how can my home be in foreclosure when I have been paying my mortgage all these years It seems since Nationstar switched to Mr. Cooper It's been nothing but problems..

Company response to consumer: Closed with explanation