vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: HCFS Healthcare Financial Services of TeamHealth
State: NY

Complaint narrative:
The company, XXXX began calling me in the middle of XX/XX/XXXX. I know the name of the company because when they left me a voicemail ( only 2 times out of the 30 times they've called ) it stated the name of the company. After they called me about 5 times I answered and the woman asked me my birthday, I said no and then she asked " I know the day and the month why don't you just tell me the year? '' I responded no and then she simply said we will send something to your home address and she abruptly hung up. I got another call just three days later. XXXX continued to call me throughout the month of XX/XX/XXXX. They call from different phone numbers every time but they always have a XXXX area code. Since they were calling so often and every time they called me while I was working, I simply changed my answering machine to say that if they are a debt collector to please stop calling me immediately. They still continued to call while I was working. After they called me on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, I finally picked up on XX/XX/XXXX and told them to stop calling me again. Both callers I spoke to never stated the purpose or any information on why they were calling me. They simply said it was important business information and then continued to coerce me into confirming my birthday. They continued to call throughout the month of XX/XX/XXXX and XX/XX/XXXX while I was working. I am a XXXX so I simply can't just pick up the phone while I'm in the XXXX  and tell them to stop once again. The last dates that my phone logs indicate that they called my on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.  They call while I am working and I've been forced to ignore their calls every time because I simply can not let this outlandish form of harassment jeopardize the safety of my operation.

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 2018-02-14 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: CITIBANK, N.A.
State: MA

Complaint narrative:
{$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 2018-02-14 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
{$6000.00} of balance from SANTANDER BK, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 2018-02-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: WY

Complaint narrative:
On XX/XX/XXXX my loan was sold to XXXX Mortgage. I didn't receive any notice until after XX/XX/XXXX. I made my normal mortgage payment from out-of-town through my bank account to XXXX XXXX/XXXX  XXXX XXXX on XX/XX/XXXX. In XX/XX/XXXX I received a letter from Freedom Mortgage that my loan was sold to them. My XX/XX/XXXX payment was forwarded to Freedom Mortgage on XX/XX/XXXX by XXXX XXXX but has not been posted to my 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 2018-02-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I'm been charged fees and interest on my credit card account from Citi Bank but I'm not able to submit my payment as the site is always 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 2018-02-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I closed on a HELOC for $ XXXX with PNC on XX/XX/2018. At closing they offered to transfer $ XXXX to our checking account. We specifically declined this offer, and did not sign the paperwork to authorize the transfer. On XX/XX/XXXX I observed that $ XXXX had been transferred to our checking account without our permission. PNC is not able to say how or why this happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
{$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 2018-02-14 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: MA

Complaint narrative:
{$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: MA

Complaint narrative:
{$230.00} of balance from XXXX XXXX has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 2018-02-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Diversified Consultants, Inc.
State: PA

Complaint narrative:
Diversified Consultants is the company name they gave. They have repeatedly called me and both of my parents ( I'm XXXX ) threatening that the police are coming, that they are coming and going to charge me with 35 counts of something. I have full phone call logs and have kept the voicemails. They said they are trying to collect {$810.00} for XXXX XXXX. Somehow they are also getting around being blocked. Dates of calls start XX/XX/2018 this has been happening up to 16x in 1 day! I called them and they deny it but as I said I have the proof. This should be illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 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: OH

Complaint narrative:
Experian Consumer Opt Out ( XXXX XXXX XXXX, XXXX TX XXXX ) - to opt out of an unsolicited credit offer from XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX, OH XXXX, XXXX ), one is to call Experian Opt Out at XXXX or write. 
First - XXXX XXXX XXXX regularly sends unsolicited request to take out a mortgage from them ; pre-approved. Credit report shows then did a credit check on Experian, which was NOT requested or applied for. Totally inappropriate. 
Second - trying to opt via Experian is difficult to talk with a live person. Calling their XXXX recorded message system, I am immediately asked to say/enter my social security number, enter my birth date, home phone number, name, address, etc. 
This is very inappropriate in this day of trying to secure personal information - leaving requested info like this, not knowing who or how it will be captured/received appears lacking in security. AND, there is no way to call to talk with a live person. I did not leave the requested info to Opt-Out. Experian 's process is totally inappropriate, and to me, shows a lack of concern and business protection for key consumer financial data ; THIS SHOULD NOT BE ALLOWED, and I do not want Experian collecting, or reporting any of my financial history.

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 2018-02-14 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: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have previously filled a complaint against J.P.Morgan Chase bank which I haven't received any answer or solution yet, Chase bank has repeated the same fraudulent practice again by charging me insuffient fund bank fees by switching transactions and date from XX/XX/XXXX to XX/XX/XXXX, I am a victim of this banks illegal practices and would like cfpb to solve my issue which is financially and emotionally destroying me. 
Every month Chase banks fradulatly charges my account fees from $ XXXX XXXX which puts me behind every month to pay bills on time and support my family needs.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
{$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 2018-02-14 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: MA

Complaint narrative:
{$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: MA

Complaint narrative:
{$6000.00} of balance from XXXX XXXX, which was a different bank at that time, has been on my credit report for 7 years. I have tried to remove them but has not been successful. I am not sure if this belongs to me. I would like this balance to be removed my credit history.

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 2018-02-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Control Technology, Inc.
State: OH

Complaint narrative:
I am constantly contacted about another person with my name. This has went on for several years. She has a different birth date and social security number. The creditors ask me if I know that person or how to contact them. They call my family, etc. They are disbelieving when I tell them I am not that person. I have to give them my birth date and last 4 of my social to get the calls to stop. The latest call was from XXXX XXXX XXXX. ( XXXX ) XXXX. They are usually about student loan debt. Is there a way to stop these calls? They will stop for a while, then start back up again in waves by different companies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 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: TX

Complaint narrative:
This is a rebuttal to the previous complaint. 

There must be a mis-understanding. 

It was me and no third party that had these companies removed. 

Your response has nothing to do with my complaint and your response is a example of what i am talking about. 

The reason why you no longer see the companies during your investigation is because I challenged the debt and they was unable to prove debt so they was removed. 

Your company should be held liable for accepting invalidated reports. 

I have all the documents I used to have the debt Collectors removed from my credit report and are available upon request. 

Companies that i have removed myself from credit reporting agency. 
1 ) XXXX XXXX court 2 ) XXXX XXXX XXXX 3 ) XXXX XXXX 4 ) XXXX XXXX XXXX 5 ) XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX 7 )  XXXX XXXX XXXX XXXX 8 ) XXXX XXXX XXXX XXXX XXXX XXXX 
9 ) XXXX and XXXX XXXX, XXXX. 
10 ) XXXX XXXX XXXX XXXX 11 ) 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 non-monetary relief
Consumer complaint received 2018-02-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XX/XX/2018 dispute letter along with a copy of my social security card and drivers license sent to equifax by certified mail. I received return receipt. I call equifax XX/XX/2018 around XXXX to verify everything was going smoothly. I spoke to XXXX. She said letters were received and dispute was in process. XX/XX/2018 I call Equifax to find out why my report hadn't updated since XX/XX/2018. I give them all of my info to verify me, and they tell me they could not find a file on me. I called back and spoke to 2 more agents in the disputes department. I asked to speak to a supervisor. She got my info placed me on hold. She told me she was still searching. Placed me on hold. She came back and held the phone ( the music that plays while on hold stopped and I could hear breathing and noise on background ) I say hello and she hangs up. I call back and spoke to XXXX. He stated that no file could be found for me. ( He was very irate ) i get off the call with him. I call back a few hours later. Spoke to an agent that had me to verify my info. She then gets me confused with my sister. Well, i verify my info. I reminded them they had a copy of my social and drivers license so that they know who I am. She acknowledged she could see that. She transferred me to XXXX in the mixed department and gave me file name XXXX. She said also that she could not find me. She told me she could see that I mailed my dispute letter plus copies of my social and drivers license but still could not pull up a file on me. I gave her the confirmation number I have from a previous dispute I had done online through their website. She searched and still found nothing. I asked her if me being effected by the breach last summer has anything to do with this and if I should be worried. She told me I would get a phone call from her XXXX in 24 hours. Its XX/XX/2018 and still haven't heard back. This is affecting me in getting approved for a car loan and credit cards that I have been trying to get for a year now. I have been working hard to fix errors on all three credit reports and now this. I called XXXX and XXXX and they have no problem pulling me up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-14 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: PA

Complaint narrative:
Experian has on my credit report XXXX XXXX XXXX as a debt to debt collector in which I don't owe and is in error

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 2018-02-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc.
State: MA

Complaint narrative:
I sold XXXX XXXX of XXXX through XXXX on XX/XX/2018. The estimated payout was XX/XX/2018. I still have not received my money. Have called numerous times sent emails nothing. All they say is they are investigating it and have put is a high priority to a specialist. They are not giving me any reason why I haven't gotten my money back. This is the first time I have sold this and worried it is a scam and not going to get my money back. As far as I'm concerned that have stolen my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: FL

Complaint narrative:
The companies XXXX, Experian and XXXX   are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the XXXX, Experian and XXXX   companies, and they sell your private and personal information or spread wrong information about you!!! 
XXXX, Experian and XXXX are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
XXXX, Experian and XXXX are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
XXXX, Experian and XXXX track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about 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 2018-02-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I get daily phone calls from the same number ( XXXX ). This number is from Chase Mortgage. If I answer the call it will automatically hang up on me, and then calls me back later in the day. I have spoke with Chase about the calls and they claim they will not stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The companies XXXX, XXXX and TransUnion are a private business that earns and makes a fortune from your most private belongs, your private information!!! 
You, your name, your details, your private life and your businesses are taken and transformed into the property of the XXXX, XXXX and TransUnion companies, and they sell your private and personal information or spread wrong information about you!!! 
XXXX, XXXX and TransUnion are private businesses that earns and makes millions at your expense and from your private assets Plus, they damages your identity, your good name and causes you financial damages! 
Do not let them! 
XXXX, XXXX and TransUnion are private business that follows you, stalk you and collect information about you They takes advantage of you and your private life! 
They get involved in your business and sells your personal information at any cost, even at the cost of mistaken information and damage to you and your family! 
XXXX, XXXX and TransUnion track and post information about you without permission or consent! 
Do not let them! 
Stop them!!! 
Request and demand to remove your name from their databases and don't let them spy, follow you and spread wrong information about 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