vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
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 Step 1 : What is this complaint about? 
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 PayPal money transfer to my XXXX XXXX Account, in the amount of {$200.00}. 
Was promised to be completed in one business day, it has been 3 weeks and PayPal will not tell me where my {$200.00} is. 
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 Step 2 : What type of problem are you having? 
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 After contacting PayPal, no more response from the company in terms of where my {$200.00} has disappeared to. 
It's not in my bank and it's not in the PayPal account. 
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  Step 3 : What happened? 
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 After contacting the bank, multiple times as requested by PayPal, the bank ensured no {$200.00} transaction from PayPal has come through or been attempted. 
This has caused a returned items fee in the amount of {$29.00} that occurred more than a week after the expected funds available. 

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 Step 4 : What company is this complaint about? 
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 Paypal 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  Step 5 : Who are the people involved? 
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 PayPal, and I XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: LANIER COLLECTIONS AGENCY AND SERVICES INC
State: GA

Complaint narrative:
The medical collection debt from Lanier Collection Agency/XXXX has three separate amounts listed for {$120.00}, {$81.00}, and {$53.00}. I am unclear on where and when these said amounts were originated. I have maintained medical coverage for the past 10 plus years of my life through XXXX XXXX and XXXX XXXX. I am very interested in receiving an itemized bill/statement for my personal review to compare with my insurance statements/payments for the services rendered in question. I have reached out to Lanier Collection Agency to request validation of these amounts by submitting disputes to XXXX. The dispute was completed and I was notified that Lanier Collection Agency has issued validation for these amounts, however I ( the consumer ) did not receive anything. I have a professional background in XXXX XXXX XXXX XXXX and I am very aware that mistakes regarding amounts are commonly made, and I need to be sure that I am paying a debt that is first mine and secondly billed correctly after my insurance coverage has been applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
For the past year I've tried to place security freeze or locks on my Equifax credit report to no avail. I've called the company, written letters, and tried exhaustively online but every time I make an attempt, I get locked out or denied access to my information leaving me with a credit file unlocked and vulnerable. I don't know what else to do. This company has literally wasted hours of my life and I to this date have nothing to show for it. 
All I want is access to lock my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: FL

Complaint narrative:
In my review of my credit report on XX/XX/2018 Hunter Warfield is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. Hunter Warfield is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: LEXISNEXIS
State: NC

Complaint narrative:
I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the XXXX . Report and other furnished Lexis Nexis, XXXX XXXX, inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Report Act, you are required to comply. My name is XXXX XXXX XXXX. My Date of birth is XX/XX/1967. 
I have addresses on my report that do not belong to me and are not mine. They are inaccurate. Please remove delete that following addresses : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NC, XXXX XXXX XXXX, XXXX NC, XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
On XXXX at roughly XXXX CST, I attempted to visit rocketmortgage.com to find a calculator as to what I could afford based upon my salary. After filling out my information, I received notices that a hard inquiry was run against my credit, even though I answered that I was only researching options. I reached out to the credit agency XXXX about having the hard inquiry removed and they let me know I had to reach out to RocketMortgage to have the inquiry removed. I contacted RocketMortgage and let them know I had no intention of submitting a hard inquiry, that I was only looking for a calculator type tool to estimate the amount of home I can afford. I was transferred a few times before reaching an Account Executive who let me know that because it was not identity theft he could not have the hard inquiry deleted. 

I did not intend on filling out information with the goal of a hard inquiry. This may not have been identity theft, but I do feel I was misled in using their website. This has resulted in both my Wife and I having a hard inquiry on our credit reports that will last for two years because of using rocket mortgage 's website.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hi, Ive made every attempt possible to contact EXPERIAN credit bureau to an avail. 
Its virtually impossible to reach anyone at Experian to either assist in buying a credit report or in my case all three XXXX, Experian and XXXX. I have an alleged membership number and all i want to do is buy a new 3 in 1 combined credit report for {$39.00}, as I have in the past on their website. The website experian.com now will not allow such a purchase without them trying to upgrade you to a monthly membership which I do not want! I've attempted on several occasions to contact them through their customer service line XXXX and XXXX, and can not reach anyone regardless what options you choose. Please help myself as well as all others experiencing this mess.

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 2018-12-11 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: NV

Complaint narrative:
I contact the following Credit bureaus ( XXXX, XXXX  and TransUnion ) about inaccurate information on my credit file on XX/XX/2018, and to validate it. They received it on XX/XX/2018 ( see attach ) As to date ( XX/XX/2018 ) nothing was done by any of the above bureaus to remove this item, nor did I receive any correspondence back from the above bureaus within the 30 days of my dispute that they received on XX/XX/2018.

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 2018-12-11 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: NV

Complaint narrative:
I contact the following Credit bureaus ( XXXX, Equifax and XXXX ) about inaccurate information on my credit file on XX/XX/2018, and to validate it. They received it on XX/XX/2018 ( see attach ) As to date ( XX/XX/2018 ) nothing was done by any of the above bureaus to remove this item, nor did I receive any correspondence back from the above bureaus within the 30 days of my dispute that they received on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
On XX/XX/2018 I had purchase from XXXX and I used XXXX credit card ( SYNCHRONY BANK ) for {$190.00} which I never received the item, I contacted XXXX but they never give me credit for it so I disputed the {$190.00} with XXXX credit card ( SYNCHRONY BANK ), instead of removing the charges XXXX credit card ( SYNCHRONY BANK ) charged me another {$190.00} so was total charges of {$380.00} then XXXX credit card ( SYNCHRONY BANK ) removed one of the double charges, and XX/XX/2018 I received letter from XXXX credit card ( SYNCHRONY BANK ) stating that I have to pay {$190.00}, on XX/XX/2018, I called twice at XXXX XXXX and XXXX XXXX the number they provided in the letter XXXX for XXXX credit card ( SYNCHRONY BANK ) and left a message but never called me back, so I had to call the number in the credit card and I talked to XXXX at XXXX XXXX but she could not help me.

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 2018-12-11 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: CA

Complaint narrative:
THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

Trans Union, XXXX  and XXXX removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.

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 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I referred my brother to a CITI Bank account on XX/XX/XXXX. CITI bank has a member get member referral bonus of {$100.00}. Its been more than 6 months and I still have not received my {$100.00} referral bonus. Every time I call CITI, they say I should wait more. It's already been 6 months and they refuse to tell me when I will get my {$100.00} referral bonus.

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 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Vital Solutions, Inc.
State: NY

Complaint narrative:
For months, I have been receiving a host of daily and intrusive " robocalls '' from ( XXXX ) XXXX coming into my work telephone number. My work space is situated in an open floor plan, and so my colleagues are impacted and undoubtedly bothered by the frequency of these calls. Aside from family emergencies, I am not permitted to receive non-work-related phone calls, conduct nor otherwise engage in non-work-related activities during my regularly scheduled working hours. I have answered this call ( er ) on more than one occasion and each time I'd been met with an automated voice assistant 's instructional prompt, which indicates that if one were to press the number " 2 '' these calls would stop. This has certainly not been the case. The caller ID lists this number as belonging to Vital Recovery Services. I am not familiar with this company. And I have never associated my business telephone number with any consumer credit account beyond ( possibly ) my mortgage and/or car loan accounts ; neither of which are tied to Vital Recovery Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
In my review of my credit report on XX/XX/2018 XXXX XXXX is reporting a collection account number XXXX in an attempt to collect a debt. I have no knowledge of this account. XXXX XXXX is in violation of the fair credit reporting act FCRA, by reporting a collection account to the credit bureaus in an attempt to collect a debt without notifying the consumer. This has hurt my ability to obtain credit and has damage my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
In response to a complaint I filed on XX/XX/2018 regarding their loan modification processes and timelines, Mr. Cooper my mortgage servicer is harassing and punishing me for filing the complaint. Mr. Cooper is citing I have legal representation and can only respond to my attorney regarding any issues with my mortgage. On XX/XX/2018, Mr. Cooper solicited me and the attorney representing me in my bankruptcy for the right to speak and negotiate with me directly and not through my attorney. This document was signed in agreement and returned back to them. They have it on file, but are choosing to ignore the document. 

By deliberately ignoring the release they requested and stating they will only respond to my bankruptcy attorney, Mr. Cooper is harassing and punishing me for filing a complaint by forcing me to incur unnecessary legal fees. My attorney will charge me to receive and review these documents. Documents covering issues that actually occurred prior to my bankruptcy. 

I view this as a deliberate act on their part to harass and punish me for complaining and questioning some of their business practices. They are legally bound through their contract with Fannie Mae to keep and maintain all records regarding my account. They have the documented release that allows them to deal with me direct and are choosing to ignore it. 

I am uploading a copy of the signed release with this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

XXXX XXXX, Equifax and XXXX  removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: CA

Complaint narrative:
THIS IS NOT A REQUEST FOR DISPUTE OR REINVESTIGATION. 

This is a request for immediate removal of items that were involved in IDENTITY THEFT. 

XXXX XXXX, XXXX  and Experian removed these items then reinserted them with out notifying me in writing. 

Under section 605B of the Fair Credit Reporting Act ( FCRA ), both the credit reporting agencies ( CRAs ) and the creditors, debt collectors, and other companies that report identity theft-related information to the CRA ( furnishers ) are responsible for blocking fraudulent information from appearing in victims ' credit reports.

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 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I had a bankruptcy from well over several years ago and its still impacting my credit.

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 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: AL

Complaint narrative:
I called customer service several times to inquire about an account that I see on my credit. When calling I have spoke with several different agents and supervisors. They have all told me that they can not find my account in their system. I have asked to have the account removed from my credit report due to the fact that they can not find any information in their system in regards to my social security number and name and they are refusing to do so. I have also asked for them to send me written validation of this debt and they have not done so. I have spoken to XXXX XXXX and XXXX who is the supervisor.

Company response to consumer: Closed with explanation