vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PlusFour, Inc
State: NY

Complaint narrative:
Scheduled XXXX  appts w/an Dr that took my insurance in Nevada.A few days later I fled a XXXX XXXX XXXX ( police involved ) did not think to cancel appts. Drove from XXXX to XXXX with my XXXX, 2 dogs and the clothes on our backs. In XX/XX/XXXX I received a letter from XXXX XXXX XXXX.Spoke to them and mailed correspondence disputing the collection on XX/XX/XXXX. They closed account and said they would not seek further action on XX/XX/XXXX. The following year I requested a credit report from XXXX. Found a Plus Four Collection for the same acct. I called XXXX XXXX and they said they could do nothing about it as it was not them reporting to the credit agencies, it was Plus Four Inc who had forwarded the acct to them for collection. I called Plus Four and they refused to discuss it with me AT ALL as they were not licensed to collect in NYS. I disputed w/ XXXX - they removed from credit report. A few weeks ago I was told by my bank that XXXX was reporting the debt from PLus Four. Filed a dispute. They contacted Plus Four and were told that it was an active collection so it is not being removed from my XXXX report. This has affected the interest rate on home equity and auto loans. I again contacted Plus Four today, XX/XX/XXXX, and they again refused to talk to me. So I am stuck with XXXX XXXX saying it's a closed file but they can not assist in removing from credit reports as it is Plus Four that is reporting it and Plus Four is refusing any communication. They would not even provide me with an email or fax #.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: GA

Complaint narrative:
I was in XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX  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 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I return back from vacation on XX/XX/2019. I noticed there was several transactions my debit card that was unknown to me. It totaled almost {$500.00}. I called SunTrust and made a claim. The representative asked me was there any other unknown transactions. I looked back over four months and I said I did not recognize the XXXX withdrawals that was done in XX/XX/2019. 

The representative took my information and said it would take about a week to get the results. I called SunTrust and they told me the fraud was ruled in my favor but because the transactions were 60 days old by regulation they could not honor it. 
I Told them the XXXX was the only transaction that was done in XXXX. The other {$500.00} worth was done 2 to 3 weeks ago. 
They told me it didnt matter because their fraud started in XXXX. I feel that this is blatant dishonesty on the part of SunTrust and they are using a loophole to avoid giving me back my money. 

I can understand them refusing to honor the XXXX charge but the other charges were separate charges that were done in the past month.. I just need this Bureau to know the dishonest tactics that SunTrust is doing.

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 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
CITIBANK VIOLATED " FCRA, FDCPA AND FCBA '', TRUTH IN LENDING ACT, BREACH OF CONTRACT, UNFAIR CREDIT REVIEW PRACTICES..COMPANY CLOSED " SEARS '' MASTERCARD ACCOUNT THAT I USED TO SUPPLEMENT DAILY/ MONTHLY LIVING EXPENSE DURING WAITING ON MONTHLY XXXX SSI CHECK TO COVER BILLS, MEDICAL, LIFE INSURANCE AND CHILD EXPENSES ( IM A SINGLE PARENT FATHER OF XXXX OLD DAUGHTER ) ..CLOSURE OF ACCOUNT HAS CAUSED SEVERE FINANCIAL HARDSHIP AND SIGNIFICANTLY DROP MY CREDIT SCORE ... I HAVE BEEN A LOYAL CUSTOMER FOR OVER 10YRS NEVER LATE ON ANY PAYMENTS ... SINCE THIS UNEXPECTED OCCURRENCES I CAN NOT AFFORD TO PAY SEARS ACCOUNT, PERSONAL BILLS AND OTHER OUT OF POCKET EXPENSES ... IM XXXX VET ON FIX SSI INCOME ... NOTE : I WERE THE VICTIM OF FRAUD ON ABOUT XX/XX/2018 AND FRAUD ACCOUNT IN QUESTION WITH OTHER CREDITOR ( XXXX XXXX XXXX XXXX ) ACCOUNT CURRENTLY IN DISPUTE ... .SEARS HAS NOTHING TO DO WITH OTHER CREDITORS ... NOTE : DOCUMENT PROOF AVAILABLE UPON REQUEST.. '' CITY OF XXXX POLICE REPORT, FTC AFFIDAVIT AND COURT AFFIDAVIT FILED VIA MY ATTORNEY

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 2019-05-15 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: GA

Complaint narrative:
I have been a victim of Identity Theft coming from XXXX XXXX XXXX Data Breach. The Items I have identified and highlighted on my FTC report are all fraudulent and not mine and do not relate to any transactions that I have made or have applied for resulting in several Inquiries all which have hurt my credit score I value. Please block, remove, update or delete this information pursuant to section 605B and 15 Code Section 1681I once identity theft has been alleged until further due diligence has been performed for a reasonable conclusion has been determined.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I called Citibank/Visa- Costco to inquire of their credit card protection plan. After being told that I could enroll in the program, I was transferred to another dept and was placed on hold for at least 20 min. When a person, " XXXX '', came back on the phone, I was told I can not enroll because '' they are not giving coverage any longer '', and he didn't know why. I asked to speak to a supervisor, and again was placed on hold for a very long time. XXXX '' from " XXXX XXXX '' finally came on the phone and proceeded to inform me that they, " Citibank/Visa '', had stopped offering credit card protection since XX/XX/XXXX. She said that " no reason was given '' she believed it could've been due to the " news media, complaints '', or just didn't know why. I then was transferred back to customer service dept. and asked to file a complaint against these practices. I was told that I would not be able to receive any follow up for the complaint from customer service. I explained to them that I am currently enrolled in a debt consolidation program ( including Citibank/Visa-Costco ) and needed to have some kind of credit card protection plan in place. I was told that in order to talk to their " client focus team '', I first needed to cancel my arrangement with the debt consolidation program and that I did not qualify at this time to speak to the " Hardship '' dept. 
I had also filed a consumer complaint/dispute against " XXXX '', XXXX, CA in XXXX XXXX, in regarding a " forced '' or " coerced '' purchase for {$4700.00} on my card that I did not want to make with this company/store. I filed the complaint over the phone with the customer service center. They sent me written documents informing me that I only had 10 days to get all the investigative information to them. Because of such a short window of time, I was not able to get all the info to them in the allotted time frame and so therefore I was sent a letter stating that because of little info that was provided to them, they closed the complaint and were " unable to resolve the dispute in my favor ''. When I received the final letter, I called Citibank and explained that they did not give me enough time to present the evidence for the dispute and I was given the dispute phone # to call.

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 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
US Collections, a collection agency is trying to collect monies that I do not owed to their client, XXXX at XXXX. I sent three letters back in XXXX, XXXX, & XX/XX/XXXX ( letters attached ) to validate the debt, they were not able to do so. I requested to be removed from their records and credit bureaus as there was no basis for this collection. 

I never received any correspondence from then since XX/XX/XXXX, therefore, I assumed this had been taken care of. However, on XX/XX/XXXX I tried to apply for credit, and it showed a negative mark in my credit report from US Collections for an amount of {$7000.00}. This has hurt my ability to obtain credit. 

Briefly, I broke my rent lease with their client, XXXX at XXXX, an apartment complex, due to they fail to reply in compliance with A.R.S & 33-1321. Their client did not render a judgement against me ( which I was looking forward to resolve this in court ) instead they assigned this claim to US Collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: CT

Complaint narrative:
Ditech XXXX XXXX, et al, has sent me 2 notices that they are involved with the U.S. Bankruptcy Court XXXX District of New York and I have my Mortgage with them. I called Ditech to get info and they said my Mortgage is not involved, but why did I get these papers? The papers say If I want to be involved with the Bankruptcy lawsuit, I need to contact a Atty. but I can not afford one. I am XXXX, I have XXXX. 
I have never missed a Mortgage payment. I requested the two females to email a statement that verifies me that my Mortgage is Not involved with this lawsuit and no one would. The papers clearly state that IF I do not take action I will not be able to collect any money if my mortgage is involved by this lawsuit filed. Again, I can not afford to hire a Atty. to investigate this matter, My mortgage is 75 % of my monthly income from my XXXX Income and I do not think this is fair that Ditech may be RIPPING me and others off for their error ... .They should respect me and let me know IF they have cheated me, after all they threaten me every month that they will charge me a huge late fee IF I do not pay them on the due date. 
Thank you. XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Delta Management Associates, Inc.
State: NH

Complaint narrative:
The company involved is Delta Management Associates Inc., located in XXXX MA. 

I have received several harassing calls and letters from them over the past several months. Last Friday, XX/XX/19 they called the receptionist at my place of employment. The call was forwarded to me, where I informed them not to call my work number, and that I am not allowed to take personal calls at work. I explicitly told them not to contact my employer, or to contact me while at work. 

This afternoon, XX/XX/19, one of my HR representatives informed me that, directly defying my request, they had sent a fax to my HR department, requesting private information about me, including my social security number, dates of employment, my employer 's federal tax ID, payroll address and information, and my hours/status at this job. My HR representative was extremely uncomfortable, and asked me to tell Delta again to not contact us. 

I would like to send a cease & desist letter, given the sheer amount of calls, and contacts to me, my friends, family, and employer, but I do not want to risk a lawsuit. I do not want to deal with Delta Management any longer.

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 2019-05-15 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
My complaint is against Experian and my experience in obtaining my free annual credit report through XXXX XXXX XXXX. The company has blocked me from obtaining my credit report online and tells me to call a number to obtain it. I did not initiate this block or placed a credit lock with experian. 

I have tried calling this number and have been placed on hold for over 30 minutes after which I gave up. There are inaccurate entries in my experian credit report and I am also unable to dispute these items online with experian. 

This is unacceptable and the company is depriving my right to credit report access.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 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:
I was in XXXX the other day buying some shoes and one of the representatives persuaded me to sign up for a store card. For some odd reason I didn't get approved. I went home to check my credit report and found a couple of items that are not mine. These items need to be deleted from my credit report. I have contacted the FTC and my local police. I'm doing this on my own behalf. XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX. Inquiries : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXXXXXX, XXXX. XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
credit collection services is trying to collect a debt that I don't owe them, I've never been in any business with this company, not even sure they are authorized to collect debt in this state. They purchase the debt from XXXX which over charge me for services they did not provide to me.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: U.S. BANCORP
State: IL

Complaint narrative:
XXXX  Inquiry US Bank- Inquiry from XX/XX/2019 Institution Information US Bank XXXX , ND XXXX ( XXXX ) XXXX-XXXX  This company pulled my credit without my authorization/notice, i contacted the company multiple times by calling and sending letters and i have yet to receive a reply. I'm trying to inform them that this has to be a misunderstanding or fraud. I'm at the point to where i'm going to report this company for fraudulent activity ( Pulling credits without the person permission ) if my issue can not be resolve this time around.

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 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: FL

Complaint narrative:
company : XXXX collector : XXXX XXXX/ERC REF # XXXX I use to have XXXX phone service & switched over to XXXX XXXX  in XX/XX/XXXX. 
Upon checking my credit score I found this negative mark on my score ( {$700.00} ) .First of all, I had no outstanding debt with XXXX or they wouldn't have switched me over to XXXX  and given me the unlock code for my phone to switch over. 
I assume this was a discrepancy found later, which leads me to believe of identity theft.The other  scenario I believe would be that they made a mistake and recharged me for a phone i purchased long ago and have a receipt for ( justifying a XXXX price tag ) .Another one is that they kept charging me after I switched over. I don't know, I'm guessing, since I can't talk to XXXX about it ever since they sent it to collections. 
Another point is that collections never contacted me, ever. 
I contacted them when I saw my credit score on  XXXX XXXX, very strange for a collections agency.So this comes as a surprise 4 years later. 
In summary- i don't owe this debt, it is a mistake XXXX would not have transferred/ given unlock codes if I owed this and never mentioned anything. 
i can't talk to XXXX directly about the matter. 
ERC XXXX credit never contacted me and does little to resolve the matter except bill me the amount. 
Thank You -XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: First Technology Federal Credit Union
State: CA

Complaint narrative:
As a result of a harassing phone call with employee XXXX XXXX ( last name may be misspelled ; her supervisor and loan manager is XXXX XXXX ) I was wrongfully denied eligibility without proper reason for a checking account to move forward with a credit card application that was already approved and verified. Email attachment included. 

I do believe without a reasonable doubt this denial to move forward was entirely due to my choice of moving forward with a federal and formal complaint against XXXX and the aggressive harassment I chose to report on the credit union and employee due to my pay-stub improperly reporting by HR error and no fault of my own. Payroll co. encounter errors and mis-pays etc. very often so her tactics were not only unreasonable but lacked knowledge of any common sense. I provided an immediate bank statement as well ( this was after her call ). 

During my conversation with her supervisor XXXX XXXX I was contentiously put on hold and treated unfairly due to my rebuttals of needing a proper written reasoning as per my rights. Clearly they wanted to give me the least amount of info and have me on my way due to their negligence. 

All calls are recorded and I urge you to review them and subpoena them from First Tech. 

I will be pursing this further if a proper and respectable resolution is not addressed by First Tech. They have my email and cell phone. 

Thank you, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Continental Services Group, Inc. d/b/a ConServe
State: NY

Complaint narrative:
The cost is {$310.00} to XXXX XXXX XXXX. The credit bureau handling my case is constantly calling my employer, even contacted other departments I do not work in. Threatening other employees and stating they have tried to call me multiple times. They even asked to speak to my supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
I was alerted by several different credit monitoring accounts I have that a hard inquiry had been made on my TransUnion report by XXXX on Sunday, XX/XX/2019. 

This wasn't my inquiry and I called XXXX on Monday. I took them a while on the phone, but they were able to locate an approved loan application with my social security number and name. 

The woman on the phone remarked to me that the application had the wrong birthday and address. I then had to go through an arduous and time-consuming process of getting a police report and submitting it to Prosper for them to remove the inquiry. 

I only did this because I wanted it taken care of, but how can this company make a hard inquiry on my account with incorrect vital information? 

I'd like this complaint to go to whatever level it can, and hold this lending service responsible for doing a hard pull with incorrect information.

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