vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Core Advisory Group, LLC
State: IL

Complaint narrative:
In  XXXX  of  2015  I received a letter from CORE ADVISORY GROUP saying they could help me with my mortgage. they offered a huge principal reduction of  XXXX  and a decrease in monthly payments as low as  XXXX . Their fee was  XXXX . I had about 20 days until my next court date to prevent a default judgement and a sale date on my home. I paid the money to CORE. CORE then connected me with another person to help writing letters on my behalf to the bank. The bank offered me a modification with no principle reduction and no huge monthly low rate as advertised. I contacted CORE and was told since I was offered a modification their job was done. I talked with  XXXX ,  XXXX , and  XXXX   XXXX . CORE never showed up in court as promised on the phone.   They stopped taking my calls. CORE misrepresented their sevice s. CORE ADVISORY GROUP is a fraud. I am still seeking help.

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 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
XXXX   XXXX  obtained a judgement for a credit card debt and placed a lien on my house. The debt and judgement was included in my Chapter  XXXX  bankruptcy that was  discharged but the  lender refuses to remove the lien from my house until the debt is paid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: IQOR US INC
State: TX

Complaint narrative:
I  XXXX  am not the person that opened an account with  XXXX   XXXX . I can safely say someone has my information and is using it to get service with  XXXX   XXXX . Please feel free to contact me for any questions.

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 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
Midland Funding is a debt collector. I am in process of paying a settled debt. The payment receipt states that my payments will not resolve the debt. That statement is misleading. The agreed upon settlement amount is reflected in th e receipt  but that one statement mislea ds and discourages further payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: United Shore Financial Services, LLC
State: CA

Complaint narrative:
I was promise by United Wholesale Mortg age ( UWM ), a Lender Credit of  {$2300.00} at 4.25 %. The final interest rate remain at 4.25 % but lender did not give the credi  t. Said that Broker did not locked the rate and cost change taking away the credit and charge on top {$1100.00} as Origination Charges.
First Estimate    XXXX   XXXX ,  2017 , shows rate unlocked,  XXXX   XXXX ,  2017   Estimate  shows rate locke  d, but Lender Credit taking away.
Second issued is that I was Double Dip on FHA UFMIP, paid in front and amount also added to/on principal loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TFS FINANCIAL CORPORATION
State: OH

Complaint narrative:
XXXX ,  XXXX , Assistant Prosecuting Attorney of the Civil Division-Tax Unit. Sent an e-mail to  XXXX   XXXX  on Tuesday,  XXXX   XXXX ,  XXXX  at  XXXX    XXXX   It was also sent to  XXXX   XXXX   XXXX  It was titled FW : proposed Confirmation Entry In the body of the text it states the following Hello I approve of the Entry Thank You  XXXX   Jin Assistant  Prosecuting Attorney Civil Division-Tax Unit  XXXX   XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX  OH  XXXX  Phone  XXXX  Fax  XXXX  Office of  XXXX   XXXX   XXXX  County Prosecuting Attorney  XXXX  County Prosecutors  XXXX   XXXX   County Prosecutors Office  This e-mail was sent in response to the e-mail sent on Tuesday,  XXXX   XXXX ,  XXXX  at  XXXX   XXXX  from  XXXX   XXXX   XXXX , Legal Assistant at  XXXX ,  XXXX ,  XXXX ,  XXXX  and  XXXX   XXXX  LPA with the Subject proposed Confirmation  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  al Case No.  XXXX  Our File :  XXXX  Good Morining Please see the attached proposed judgment Entry Confirming Sale for your review and approval. Once you have had a chance to review the Entry Please provide either your approval or changes.     I never have the opportunity to review this information. Please  e  send me the entire attachment titled  XXXX   XXXX c and//or what is titled Our File :  XXXX  in the e-mail of  XXXX   XXXX   XXXX   ( debt collector ) Please answer the following questions : 1. I was never given the opportunity to read this file titled Our File  :  XXXX  please explain in detail what information is in this file?    2.  Please send me a copy of all information in the file and any documentation associated with the file  3 . What is the contents within the file you received from  XXXX   XXXX   XXXX   4.  Why was it sent to you to revie w 5. What is the meaning of Entry 6.  Is the Judgment Entry that is confirming the sale for  XXXX   XXXX  to review actually a DRS book entry that comes from a direct register system in DRS ( book-entry ) form. If so is the entry or entries associated with either   XXXX   XXXX  ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX ,  XXXX   XXXX   XXXX   XXXX   XXXX , or   XXXX   7. Who provided you with the information that is contained in the attached titled  XXXX    XXXX   and/or the information within the e-mail identified as Our File :  XXXX  The original e-mail is attached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 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.

Complaint narrative:
In short I was contacted by  Citi  bank and they have offered mediclaim policy of   XXXX   XXXX   XXXX   XXXX  , in  XXXX  and policy was issued and premium was debited in my credit card and it was paid by me. After that in  XXXX  before expiring that policy I have sent the mail to  Citibank  for not issuing the fresh policy or renew the mediclaim policy.   Even prior information for not issuing the policy they have issued the fresh policy and debited the amount in credit card statement. After that I have sent so many mails not a single mail was replied.   Now two month back I have come to know that Citibank has reported me defaulter and updated in  XXXX  so now my request is this kindly go through the attach file ( all mails sent to Citibank  )  and resolve this and arrange to remove my and my wife name from  XXXX .   For your ready reference i am attaching the word file with all correspondence done with citibank.

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 2017-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XX/XX/XXXX , Unauthorized ACH of {$7300.00} on my organisation 's checking account. Reported unathorised ACH to Bank  of America  in   XXXX   XXXX   Faxed an unauthorised ACH form to Bank  of America i n   XXXX   XXXX  . A notarized letter ( signed by the signatories to the account ) was sent to Bank  of America o n  XX/XX/XXXX . Bank  of America  has not refunded the unathorised withdrawal.

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 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a request to Experian to deleted items off my credit report, because of identity theft. I received an updated on  XXXX   XXXX ,  2017 . I have the report number and on the copy of my report it is showing that Experian deleted items off my credit report, but the items reappear on my account. I had  XXXX  account items deleted and  XXXX  inquiries deleted, that was input back on my credit report. I have sent disputing letters to Experian about deleting items on my report. I just need for Experian to deleted the items back off of my credit report.

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 2017-04-26 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On  XXXX / XXXX /  XXXX  , I called  XXXX   XXXX  to install internet at a second house. I have  XXXX   XXXX  at my current house for 2 years with perfect payment history. I explained to the  XXXX  rep I did not want an inquiry on my credit report for this second account, referencing my perfect history as a current customer. The rep stated it was not necessary to make a credit inquiry and  XXXX  would NOT make an inquiry on my credit if I could correctly answer  XXXX  questions to verify my identity. I answered the  XXXX  questions correctly. During the recorded call I asked the  XXXX  rep repeatedly about inquiring my credit report and was advised repeatedly no inquiry would be made by  XXXX  on my credit report. Subsequently, I received a notification from  XXXX   XXXX  made an inquiry on my credit. I called  XXXX  and made a complaint to a  XXXX   XXXX ,  XXXX   XXXX . She stated she was looking into the matter and the call was recorded and she would review it. A month has gone by and  XXXX  has failed to resolve the situation. I am drafting this complaint on  XXXX   XXXX , a federally regulated communications provider for further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received my credit report from Equifax and the items that was suppose to have been deleted, reappeared back on my credit report. I have sent out dispute letters to have the items and inquiries removed again, but they did not remove the items.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optio Solutions, LLC
State: FL

Complaint narrative:
On  XXXX   XXXX ,   XXXX   I picked up mail from  XXXX   XXXX   XXXX   XXXX  which they were holding for no apparent reason. I found QCS notice to collect {$450.00} from me. I called asking what this was about and all they would say that it was a outstanding bill from  XXXX   XXXX  for {$160.00} .i asked for information and they only said it was turned over them the beginning of  XXXX . I stated that I never received any bill from  XXXX   XXXX . I called  XXXX   XXXX  and all they told me is that the account was closed.

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 2017-04-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Bureaus, Inc.
State: TX

Complaint narrative:
Okay, again, this is in rebuttal to the very offensive response to previous complaint #  XXXX .   So ... ..now I get the fraud kit and affadavit! It would have really been fine to just send me the information, especially when I first contacted you all back in  XXXX   WITHOUT  the continued attack on my credibility and having a passive aggressive stance in your language in response.     Funny how when I started this process, nobod y at TBI eve n suggested or tried to get this for me to help me out. Instead, it was a bunch of continuous grief, pulling teeth to get answers of which I never got because I could never get the purchase receipts or signed transactions indicating who exactly made purchases on this account ... and ... .subsequently paid on the account.     I will submit the information as asked for by your company but I still keep asking the question over and over, " why was n't this suggested a long time ago? '' Lastly, and again, the language and offensive response is stil l one of calling  me a liar and suggesting that whoever is responding to these complaints should be reviewed for ethical conduct and at minimum, be required to attend some sensitivity training and ethical conduct continued education. It seems this person seems to believe that he/she knows more about my life than I d o. TBI should  either examine who they hire and who is entrusted to handle these complaints or do a deeper review and analysis of their company culture as a whole. I would suggest running all communications through your legal department and have someone more qualified than this person, make the next communication.     Therefore, this complaint i  s aimed directly at this individual in hopes that it does catch the attention of someone at TBI who should be paying attention. If this is the way that TBI handles their communications, well then, it is quite easy to see why they are on the target list for so many complaints and unethical and unprofessional behaviors.
It should never be commonplace to attack the credibility of a consumer REGARDLESS of what a rogue individual 's opinions are or of what the culture of TBI supports in regard to this behavior. Therefore, it is my belief that it must be the overall culture of TBI due to the fact that an individual like this is left unsupervised to respond with this kind of attack and not be ashamed or even fearful of legal consequences.
As mentioned, please have someone with a better understanding of sensitivity and professionalism contact me on the next response.
It is my hope that CFPB is paying close attention to this thread!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: ME

Complaint narrative:
this started with complaint XXXX .   Wells Fargo who bought my VA loan has complicated my ownership of parcel   XXXX   XXXX  . I contacted CFPB and they helped clear this deeds legal description. all when well. this was apparently straightened out. Then at the refinance the lot was completely disreguarded. no record of it. after months of straightening things out, Wells Fargo is very slow. nothing is done by e-mail. all snail mail.
It appears they are working with my municipal tax office to manipulate ownership from 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 non-monetary relief
Consumer complaint received 2017-04-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
Ocwen h as overcharged me in the amount of {$110.00} on my mortgage account statement, dated  XXXX / XXXX / 17 , that claims to be for a property valuation expense, mortgage account statement attached. I have never requested, nor consented to, or ever been given any advanced notice that there would be such fee/charge for a property valuation expense. Where did this fee come from and why am I charged for this? Please correct this error immediately and send me a confirmation of the correct notice.     I look forward to your prompt response.

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 2017-04-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: VA

Complaint narrative:
After trying to get PSLF forgiveness and being denied ( complaint #  XXXX  ) FedLoan servicing recommended a payment plan that would have been more than {$150.00} per month than I was previously paying. I called them twice to complain and was told the first time that my payment would be adjusted down and to ex pect one payment period of forbearance to get onto the new payment schedule. Just before the scheduled payment was due, I logged into the FedLoan website and noted that the payment was still scheduled and no forbearance was issued. I called them immediately and they again told me not to worry about the payment and re-issued a forbearance ( verbally ) and let me know the rate would be adjusted downward. Two days later an automatic payment was taken out of my checking account for the unadjusted amount. This caused an overdraft on my checking account. I tried twice to get this situation straightened out and their actions re sulted in an overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bull City Financial Solutions, Inc
State: NC

Complaint narrative:
I originally contacted   XXXX   XXXX   @  XXXX   XXXX  about the bill when I first received the bill around  XXXX   XXXX  and advised her that I went in for an   XXXX   XXXX   XXXX   on  XXXX / XXXX / XXXX  and rep stated she had to research the codes she called me back and stated coders stated the codes were right and gave me a  XXXX  NC address to mail a complaint. I mailed the complaint and never got a response until I received a collection letter fro m Bull City and I sent them a letter about insurance not being filed and disputed charges. The next notification I received was the charges on my credit report. I 've attached proof of insurance coverage. I resubmitted validation again to Bull City ba ck in  XXXX   XXXX  and they sent my a privacy notice I signed back on  XXXX / XXXX / XXXX  which I acknowledge and my insurance paid for that date no information for  XXXX / XXXX / XXXX . Information of my dates of services with  XXXX  codes are listed on the forms that was sent to me b y Bull City which violates HIPPA and there  was n't any insurance billed for  XXXX   XXXX ,  XXXX  request again On  XXXX   XXXX ,  XXXX  I went in for an   XXXX   XXXX   which is covered 100 % by my insurance. I would never go to a physician to pay full price for a visit and not have insurance billed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I agreed to a  XXXX   XXXX  payment for m y credit score and was signed up for a subscription. There tactics are deceiving and extremely difficult to undo. I had to make three very long calls in order to reach them and they refused to refund my money for something I never wanted. They make it seem as though you are agreeing to a one time payment when in fact it is a subscription.

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 2017-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Hello, I am sick and tired of going back and forth with you about a bankruptcy reporting on my credit file. I received a response from you from the same issue which you failed to respond within the 30 day time-frame back in   XXXX   XXXX    . Complaint #  XXXX  has stated that TransUnion was requested to verify the information concerning this bankruptcy. If fact, this was their last response. " TransUnion has verified that the bankruptcy information reported in your credit report accurately reflects the public record of the United States  Federal Bankruptcy Court,  and is currently reported on your credit report as permitted by federal law. '' I looked into this issue even further. I actually had a conversation with a court repre  sentative. I asked him, " How is it that TransUnion or a Third Party able to " verify '' that the court information is actually mine? '' He said on the original petition there is a full social security number only and filed under seal. In order for a credit bureau or any third party to obtain this information, they must file a motion with the court to unseal documents related to a case.
I then decided to contacted the Bankruptcy Court and they informed me that they do not provide anyone with a debtors full social security number, and they do not provide any credit bureau any information relating to any bankruptcy cases. As you well know, it is a violation of the Fair Credit Reporting Act to report erroneous information on a creditreport. I ask that you remove it i  mmediately.

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