vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Bureaus, Inc.
State: OH

Complaint narrative:
I used a credit repair agency take care of the only collection on my credit report. The bureaus Inc. could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with XXXX XXXXXXXX ( the original creditor according to the bureaus inc ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: MN

Complaint narrative:
On the XX/XX/2018, I purchased a product from XXXX XXXX and used XXXX XXXX XXXX XXXX XXXX XXXX for {$4200.00}. I paid dues regularly each month and on XX/XX/2018 I settled all outstanding balance of {$3800.00}. On XX/XX/2018 requested the bank to close my account. XXXX XXXX from the bank confirmed on XX/XX/2018 that my account was closed. 

On XX/XX/2018 I got a call stating that my account is in collections as I haven't made payments for 2 months. I logged in and saw that an amount of {$71.00} is due. After I closed my account an interest of {$15.00} was applied with late fee charges each month! I don't understand how can a bank do this after closing an account. I have saved a copy of all secure message transmissions between myself and the bank. 

I am making this payment to save my time. But I would like to report this XXXX XXXX XXXX XXXX and business for misleading consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife and I are joint holders of a Citi Credit Card, which is predominantly used by her. The card has been charged from the inception of its account for " Payment SafeGuard '' for a service we did not select. We were not aware about this charge until I saw the credit card statement in detail today. When we spoke to the representative he mentioned that it is our job to call and tell Citi that we do not need this service. 

More on the Service : https : //www.cardbenefits.citi.com/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CFPB has already caught Citi for doing this before. I also believe that this matter is the same as : https : //www.consumerfinance.govXXXX We would like a full refund for this charge from the inception of the 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 2018-10-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I used a credit repair agency take care of the only collection on my credit report. XXXX XXXX XXXX could not verify the account belonged to me therefore it was removed from my credit report previously. XX/XX/2018 the collection company started reporting to my credit report once again, hindering my ability to proceed with a mortgage loan. If they were unable to verify the account belonged to me, I want to see the proof to verify the debt. I currently have an open credit card with capital one ( the original creditor according to XXXX XXXX XXXX ). I dont want to see my information verified for an account not verified belonging to me with information from my open credit card. I should be protected against the unlawfully verifying of a debt under the fair consumer reporting act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Pendrick Capital Partners Holding, LLC
State: IL

Complaint narrative:
This is in reference to CFPB complaint # XXXX XXXX XXXX XXXX stayed the accounts were closed a referred back to Pendrick Capital Partners. Due to their history of unethical practices, which is public information I feel it necessary to submit this complaint. I demand that the accounts listed in the referenced complaint be removed. ( 3 amounts/being charged- ( {$58.00}, {$910.00}, {$1100.00} All supposedly related to XXXX XXXX XXXX  ). I have never heard of this company and never visited them. The exact same amount has also been attempted to be collected under a different company names- XXXX  XXXX XXXX and XXXX XXXX XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: LDF Holdings, LLC
State: IA

Complaint narrative:
I have hired XXXX to help me to get this taken care and they are not wiling to work with me or them they keep calling me after I told them not to call me at the number

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC
State: LA

Complaint narrative:
Reapted phone calls even after we made an agreement. Sent email and changed agreement. Everyday since XX/XX/2018 until XX/XX/2018. 3 to 4 calls a day. Threatening call and garnished my wages. Gc services agreed with me on one monthly payment and 2 days later changed it something else. They want me to make monthly payments and garnish my wages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ONLINE Information Services, Inc.
State: MO

Complaint narrative:
I received a letter from Online Info Services stating I owe an alleged debt via XXXX. I sent OIS a letter asking for validation of debt. I have not received any validation of debt from OIS and they proceeded to place the debt to my XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
My husband passed away on XX/XX/XXXX. I, in good faith, did notify the mortgage company the week after he passed. I have mailed in full payments on XX/XX/XXXX, XX/XX/XXXX, and XXXX XXXX. These payments represented XXXX, XXXX, and XXXX payments. In the interim, after speaking with the " Relationship Manager '' he recommended that I submit a loan modification for the mortgage. I clearly admit that I am unable to pay this amount with the loss of my husbands XXXX, upon his passing. I had two telephone appointments with this " Relationship Manager '', and our last conversation on XX/XX/XXXX he told me that things were looking " nice ''. On or around XX/XX/XXXX I received a letter and packet from them dated XX/XX/XXXX stating that my application for modification was denied for lower credit and my income to debt ratio. With this packet, they sent me the following two options : Deed in lieu of foreclosure with up to {$10000.00} to restart my life or proof of a listing for a short sale by XX/XX/XXXX. In the interim, the property suffered fire damage for which I finally got payment from the insurance company in XXXX. This payment was in the amount of {$40000.00} and is sitting with their department. I have provided them with documentation to begin the repairs but they are still waiting for more. : ( What I had proposed doing is letting me have the required funds to perform the repairs and apply any remaining balance toward the mortgage. I have hired a realtor and will be listing the property on or around the XXXX of XXXX. I am also advised, by the mortgage company, that I can appeal this process and that will give me 30 more days that they will not pursue foreclosure proceedings. I really need some help here. I have been upfront and forthcoming with this lender throughout the process and have not been avoiding them and just feel that I am being punished for my honesty with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.Q. DATA INTERNATIONAL, INC.
State: OK

Complaint narrative:
I lived in an apartment complex in XXXX Texas, which we moved out of in XX/XX/XXXX ( XX/XX/XXXX ). On XX/XX/XXXX, I received a statement of deposit accounting from XXXX XXXX XXXX, which is the parent company of the complex we lived in. The statement of deposit accounting directed me to pay {$240.00} to XXXX XXXX XXXX/IQ Data. On XX/XX/XXXX, I sent a money order to XXXX XXXX XXXX/IQ Data for the outstanding fees, per Steadfast Management. In XX/XX/XXXX, I received my check in the mail from XXXX XXXX XXXX/IQ Data, with a note attached which reads " As we are unable to locate this account this check/money order to you. Thank You, IQ Data International Accounting Office ''. On XX/XX/XXXX, I wrote letter to both I.Q. Data International and XXXX XXXX at XXXX XXXX/XXXX  XXXX XXXX. In my letters I disputed the increased fees because of through no fault of mine they had charged me interest. On XX/XX/XXXX, I received a letter from IQ Data International , Inc., Account Rep. XXXX XXXX, again asking me for {$250.00}, which was the original debt plus {$8.00} in Interest. I still dispute the interest charges. On XX/XX/XXXX I received an email from XXXX XXXX, Regional Manager for XXXX XXXX XXXX. In her email she admits there was a problem with their transferring of files from her company to IQ Data International. That there would be no negative impact on our credit because there was a 45 day race period. On XX/XX/XXXX, I used my XXXX XXXX XXXX XXXX   debit card and paid the original debit {$240.00} ( I have the transaction in my account statement ). Yesterday XX/XX/XXXX, I received a telephone call from a Representative of IQ Data International who said, I still owed the debt. IQ Data International has killed our FICO credit rating. We want an acknowledgement from IQ Data International that our debt is paid and was paid as far back as XX/XX/XXXX. We want our credit rating restored to it's prior ranking. We want an apology.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Source Receivables Management LLC
State: AZ

Complaint narrative:
The company appeared on my credit as SOURCE RECEIVABLES M on XX/XX/2018 and I was not aware of any actions I could take to avoid them to report on my credit. I don't owe any debts to SOURCE RECEIVABLES M and I would like them to be removed from my credit report, so that I can be able to get lines of credit again. The amount that is owed on my credit report is XXXX. Thank you for all your time and support in assisting me with this dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citibank XXXX credit card offered 0 % APR on Balance Transfer transaction ( s ) [ 1 or more ] from earlier this spring to next XXXX if they were initiated by XX/XX/XXXX and minimum payments were made on time by the payment due dates. Purchases could still be made in conjunction with the Bal. Transfer balance ( s ) still outstanding and any/all additional pay-ments above the required min. amount due would be applied to those purchase balances that have higher interest rates. Since a XXXX credit card bill when Bal. Transfers 1st posted on a statement along with purchase transactions, i have tried to pay in FULL all of the new purchase charges that also posted on a statement PLUS ( and in ADDiTiON ) the minimum payment to hopefully avoid any interest from occurring OR accruing on my XXXX  account but so far it hasN'T been possible to achieve this objective unfortunately! This is a Citibank manipulation with their payment processing system that i believe is intentionally by design due to the additional payment made above the min. payment NOT being applied entirely/strictly to ONLY those purchase transactions that have posted on the most recent statement, instead of being prorated amongst ALL new purchases, including those that have actually posted on the credit card account, but NOT as of yet on and to a statement!

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 2018-10-04 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: U.S. BANCORP
State: MN

Complaint narrative:
I applied for and received a US Bank Platinum Visa credit card for the sole purpose of transferring higher rate balances to a 0 % interest rate for 18 months. I was approved with a credit limit of {$15000.00}. I successfully transferred {$10000.00} balance to this card and attempted multiple times to transfer {$4200.00} and {$5000.00} amounts to this card and both were denied due to " insufficient funds ''. I received these notices in the mail. I finally called US Bank today and they told me I was only able to transfer 92 % of my total available credit. This information is nowhere to be found on-line or in my statements. They informed me that the information was in my credit agreement but could not tell me where it states that information. I have never heard of this stipulation and certainly wasn't aware of it when applying for this credit card. I will be reviewing my credit agreement once I receive it in the mail, which they said will take 10 days. In addition to not being able to show me where this information/rule is stated, they were very rude about it. I'm disappointed as this has been my primary bank for over 10 years. The poor customer service is one thing, but being misleading about this balance transfer offer is unacceptable. Even when going through the on-line process of a balance transfer, nowhere does it indicate that only a portion of my available credit can be transferred. It actually states that up to my credit limit can be transferred.

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 2018-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I have a checking/debit card account with XXXX XXXX XXXX. This week I noticed the two charges to my account were made, one for {$600.00}. and another for {$99.00} on XX/XX/2018. These charges were filed by a company called " XXXX '' .. I immediately reported this problem to XXXX XXXX XXXX Fraud Division. They said they would make inquiries and froze my account to any other charges that would be made. Now, being as my account has been frozen, my retirement checks and Social Security checks will go into my account but the funds will be frozen. I have no way to pay my mortgage and my bills! I called this company " XXXX '' and told them the confirmation # that was listed on their withdrawal. ( XXXX Transfer Conf # XXXX ) and I asked their agent where or to whom was this money transfered to. He told me he could not give me any information concerning these charges. This is wrong and is Fraud.. This company should be held responsible to tell me who asked them to charge my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
RE : Wells Fargo 1st. Mortgage loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX and EquityLine w/ FlexAbility : # XXXX XXXX XXXX XXXX XXXX XXXX Home located at : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, WA XXXX My husband XXXX XXXX XXXX died on XX/XX/XXXX. 

Wells Fargo held both our mortgages. There were two loans against the property. The first mortgage which was in both our names, and a second loan which was an equity line of credit in XXXX name only. 

XX/XX/XXXX I communicated XXXX death to Wells Fargo and started the process of removing his name from the mortgages via loan modification. During this process I asked if we had insurance on the mortgage against either of our deaths. I was told that there was no insurance. I requested that the loans be consolidated. I was told repeatedly that the equity line of credit account had been written off/forgiven and that I did not have to make any further payments. 

The first loan was modified. 

Subsequently, there has been a circus of mishandling the equity line of credit involving Wells Fargo lying to me constantly about whether the loan was written off or not. Eventually, the home was put into foreclosure. 

Now after three years I have been told there was insurance after all and that the equity line of credit has been paid off and the balance is XXXX  and the lien has been released. Hopefully that's true, but I haven't seen it in writing yet. 

OK now my complaint is that I was wrongly told there was no mortgage insurance and was put through XXXX and expenses I could not afford. Furthermore, I believe a the time of XXXXXXXX XXXX death, we had insurance against the first loan as well. Since Wells Fargo was negligent regarding insurance on the second equity line of credit, they were probably wrong about the first mortgage. 

Please conduct an investigation into the mishandling of my mortgages after the death of my husband, Please determine whether I had mortgage insurance at the time of XXXX death on both loans and whether the first mortgage should have been paid off by the insurance company prior to modification. 

Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Wa 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 2018-10-04 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Complaint About : A Worldwide Corporation refused service 's offered to me that is offered to the general public which impact my constitutional rights and civil liberties. 
. 
Type of problem ; A Worldwide money transfer corporation refused to allow me to patronize their corporation to perform a money transfer from the United States of America abroad. This corporation stated they have the right to refuse service to individuals in the general public but are required to comply with legal and regulatory standards in countries they service ; their decision toward me XX/XX/XXXX violated my constitutional rights and civil liberties as an American Citizen ( please reference page _ attached ). 

What happened : On XX/XX/XXXX I attempted to patronize a worldwide money transfer fee service corporation and was refused service. Their call center stated a " COD '' had been placed on my account and I would need to contact their internal Global Consumer Reinstatement department via email. This department asked me to complete and return their Consumer Reinstatement Questainnare along with any necessary documents requested. On XX/XX/XXXX all of the proceeding was provided to this corporation. 

On XX/XX/XXXX I received an email from their employee named XXXX Op XXXX who stated all documents had been receive and tracking # XXXX had been assigned. Having been told it would be completed within ( 5 ) business days and having exceeded that time frame on XX/XX/XXXX I inquired via email a second time to that department and was informed by XXXX Op XXXX that they were working to solve my issue ( please reference documents enclosed ). 

On XX/XX/XXXX I received outcome from this department communication stating this corporation has the right to refuse service to anyone in the general public and based on their service terms and conditions they stood by their decision to see that I would continue to be refused service. 

What company is the complaint about - Western Union. 

People Involved : XXXX XXXX - Customer XXXX ( Op ID : XXXX ) XXXX ( OP ID : XXXX ) Pertinent Additional Information : I have been a Western Union Reward Point 's Member since XX/XX/XXXX ; my WU # is XXXX. 

From XX/XX/XXXX to present .I have acquired over XXXX reward points patronizing this corporation and have never had any problems. 

MTCN number 's of past use are listed below although some of the dates, transactions and dollar amounts vary which show my frequency patronizing this corporation. It was similiar to buying stamps at your local post office in using their service : 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

Company response to consumer: Closed with explanation