vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I started a dialogue with the bank in XXXX. In XXXX, I went in the bank to provide the power of attorney papers on behalf of my dad. He XXXX his wife ( my mother ) in XXXX of this year and has been in financial hardship since the day she XXXX. I was able to gather what little money she had left to make payments on the mortgage and the prime equity loan but the money was depleted by the end of XXXX. I have spoken with numerous representatives and provided this information. With the state of affairs, I knew the debt was insolvent. I did inquire about a short sale or possibly deed in lieu. 
All of this has been explained to the bank. I keep in touch with the bank via phone calls and correspondence a few times a month since XXXX. 

While I understand this is a business and the money is owed, he can not pay it. Just as there are circumstances surrounding the approval and denial of loans, they are circumstances surrounding any defaults. I can not afford to pay out money on behalf of someone else 's debt. I have put forth a lot of time and effort in an attempt to find a resolve. Going through credit counseling, cleaning out the property, listing the property, showing the property, and not to mention coming out of my own pocket for some of my dad 's expenses. I have been keeping the communications open with the bank. Realizing this is beyond my control, I know the best option is to sale the property or give it back to the bank. 

However, I keep getting passed around from one representative to the next. And the last rep is now stating I have no authorization to speak on the accounts and wants me to write the authorization for myself on behalf of my father. It does not even sound right. Previously, I did speak to them about a short sale and even requested the original documents from the loan. I never received any documents regarding the loan so I did not know how to price the house. I did receive the correspondence about the purchase agreement but it gives no other direction. I have been showing the house and have a lot of interested buyers. While I understand this is not a favorable situation for the bank, this is a way for the loan to be paid. I do not understand this resistance. This action can avoid the expense of foreclosure from them and relieve me of my parents financial burden because they ca n't speak to my dad, he is XXXX. 

I need concrete answers, I need guidance and direction on what the bank will or will not accept. Everything is so vague. Is it in foreclosure? because I did not get any correspondence stating that it was. And if not, why did they have a vendor go out and try to secure the property by threatening to change the locks? This is a horrible experience. I have attached just a few of the correspondence but there is many more.

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 2017-12-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Improper use of your report — Reporting company used your report improperly
Company: Rocket Mortgage, LLC
State: CO

Complaint narrative:
I spoke with a mortgage originator, XXXX XXXX XXXX # XXXX, and asked some general questions. At no point did I apply for a loan. At no point did I consent to a hard credit inquiry. After my brief conversation with XXXX, who was rude and in a hurry, I was contacted by my credit monitoring service who informed me a hard credit inquiry had been conducted! I called all the lenders I had spoken with to find out who made the credit pull. Besides XXXX, all other lenders told me they did not pull my credit because I did not apply for a loan and only asked general question. XXXX admits he pulled my credit. I, at no point, gave consent for a credit inquiry. XXXX claims that I did give consent, and that he reviewed the recording of our conversation. I asked for him to play me the recording to prove to me that I did provide consent, but he refused. I spoke with his superiors who were less than kind or helpful. Its obvious who trained XXXX in his predatory, unethical practices. I have requested a letter of deletion to provide the credit bureaus to have this hard inquiry removed from my account and restore my credit score, but they refuse. At this point I will be taking legal action to sue for for damages. Credit is an asset, and the wrongfully damaged this asset of mine. There is no reason for them to refuse to provide the call recording if I in-fact did provide consent! It would require minimal effort for them to have this issue resolved, but now Quicken and I will need to spend the time and money to hash this out in court. They also claim the permissible purpose guidelines were followed, but they were not. I did not provide consent, and they did not have a legitimate business need to conduct the inquiry because I did not apply for credit, I called simply to ask questions! Severely disappointed with this lender. Spare yourself the time and do not work with Quicken! I have reached out to the Colorado XXXX XXXX XXXX XXXX and the XXXX about having XXXX XXXX license revoked.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 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: DISCOVER BANK
State: FL

Complaint narrative:
On XXXX XXXX, XXXX, I requested assistance from Discover Bank/Discover Financial Services in order to initiate a dispute for a transaction that posted to my Discover Credit Card on XXXX, XXXX, XXXX. The dispute was against a merchant by the name of XXXX XXXX XXXX XXXX in the amount of {$500.00}. The following are the reasons for the dissatisfaction of the services provided by the merchant in which caused the dispute : # 1 - The merchant mislead me into paying for a baseball tournament event so that my son can attend under the conditions that he would use him as a pitcher in which he never did. # 2 - Extremely insufficient game time during the very few innings that my son participated due to the amount of players that the merchant signed up for the tournament. Baseball players want to participate and not be sitting on a bench and watch other players play. # 3 - The merchant provided verbal tournament conditions in which he stated that the players were guaranteed to play four games in which they only played three games even after the forecast was clear of any rain. The explanation given for the reduction of games was that the tournaments management staff stated that they were running behind on schedule. # 4 - The merchant invited 15+ players at {$500.00} each to the tournament and most of them were not even on the event 's roster including my son. # 5 - The  merchant was not an active state of Florida corporation at the time of the tournament event in which raised major concerns. I have provided Discover with numerous statements of how dissatisfied my family and I was with the services provided by the merchant. However, for some reason Discover is on the same side as the merchant. Why should I pay a merchant for his unethical business practice? It is my professional opinion that Discover has broken the Cardmember Agreement by not providing a fair resolution to a merchant complaint/dispute even though the merchant acted in bad faith. However, I acted in good faith and paid the merchant for services that he did fulfill and Discover agrees with the  merchant in which is to basically steal my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I have called twice to XXXXXXXX XXXX requesting an explanation and a copy of the transcript of how I was authorized a credit card without my approval. Because of XXXX authorizing a balance transfer without my approval, my credit score took a significant hit due to 100 % utilization on the new card. I was made aware of the negative impact to my credit score, to my surprise, when I applied for a loan for a new property.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: I.C. System, Inc.
State: CA

Complaint narrative:
In reviewing my credit report I noticed an account in collections with IC Systems ( XXXX ) from services provided by XXXX XXXX XXXX XXXX, years ago. I closed the account with XXXX XXXX XXXX which had been on 'autopay ' every month through a credit card. I returned all the equipment via mail to XXXX XXXX XXXX as directed. The amount in collections is an even {$200.00}. 

Reasons to believe this is not accurate & have it removed from all credit reporting to XXXX and XXXX : - If I was on autopay, how could this ever have had a balance to go unpaid - The even dollar amount is suspicious as these types of services are never an even amount - XXXX XXXX XXXX wo n't speak with me because the account is closed - XXXX XXXX XXXX continues to seek my business, why is this if I was a delinquent customer? 
- This does n't appear on my XXXX report. 

With the reasons above, please have this removed immediately.

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 2017-12-01 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: AL

Complaint narrative:
XXXX XXXX is a fraudulent account and it has yet to be removed from Equifax credit report even after providing police report that was filed in XXXX of 2016 right after that account was opened

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: DISCOVER BANK
State: NJ

Complaint narrative:
discover refuses to provide debt validation. yet keep reporting me.i have requested debt validation many times. nothing. i have asked for a call for a debt settlement figure nothing. 
i have asked for emailed statements since i have no mailing address nothing.but they keep reproting me despite a cease and desist letter i sent please intervene. not just send it to them and accept the same old script they give

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
For months I have been trying to send money using the Paypal site. 
Their site states that you can send monies to friends and family using your bank account at no charge. The site does n't give me the option of sending the money from my checking account, instead it will only allow me to transfer money via my debit card or credit card thus charging me a fee of {$32.00} everytime I want to transfer money using their services. I have called to try to get this issue rectified on several occasions. Instead I am always told that there is a security measure on their system that they can not by-pass restricting my account from this feature. I feel that this can be viewed as a discriminatory practice as I have had my checking account for 15 years with no issues on my account and Paypal is charging my account a {$32.00} fee everytime I want to use their services, I am not being given the option of sending money at no cost as other consumers are able to. Why can they debit the money from the same account via debit and charge me {$32.00} but they can not draft the monies from the same account without charging me the fees?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Dynamic Recovery Solutions, LLC
State: FL

Complaint narrative:
I spoke to Dynamic collection agency on XXXX XXXX XXXX. I called the previous collection agency to obtain Dynamic collections information due to not receiving any notification that they had obtained my debt. Once I had their information I called them to settle my account. They would not accept my settlement, however, they proceeded to treat me very poorly including commenting on ability to pay in a disparaging way. I was over talked for much of the conversation along with the rude remarks that were made. I tried to explain that I had not received any communication in written form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
Synchrony Bank relies on incorrect credit information which they wo n't share. In addition they do n't return telephone calls.

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 2017-12-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
In XX/XX/XXXX I disputed an account that appeared on my credit report from Navy Federal Credit Union. This accounted was paid and settled ( CLOSED ). 

Today ( XX/XX/XXXX ) I am receiving emails saying that I have missed payments from this account and my credit score has dropped 24 points over this. 
This account is CLOSED-SETTLED. 

However for some reason they have listed 'Between XX/XX/XXXX and XX/XX/XXXX your NAVY FEDERAL CR UN automotive account balance decreased by {$1900.00} from {$8100.00} to {$4100.00}. ' I have spoke to Navy Federal on the phone today ( XX/XX/XXXX ) and they stated all three accounts I had with them have been settled and are closed and that I will have to file a dispute AGAIN to fix their error. I should n't have to go out of my way to fix someone else 's error.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Optima Recovery Services LLC.
State: AL

Complaint narrative:
On XXXX the XXXX XXXX I sent a debt validation letter to the collection agency to get a debt validated that is correctly showing up on my XXXX and XXXX credit report. I disputed because I dont believe the debt is mine. On XXXX XXXX, XXXX I received a letter in the mail stating that they didnt have enough information to validate this debt is mine and they sent me a bill for a XXXX dollars with a stamp that says this is an attempt to collect debt which they did not verify but sending a bill I sent a copy of my driver license to prove who I am. By law I thought if they couldnt validate then it must be removed. I am very upset because this is ruining my credit worthiness.

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 2017-12-01 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: WI

Complaint narrative:
I have recently reached out to Transunion to add a fraud alert on my credit report due to the following reasons Unauthorized Credit Inquiry ( s ) I am XXXX them to inform that the hard inquiries were not authorized by me and I wish to have them deleted. Some person or persons within their consumer reporting agency has knowingly and willfully provided information about me to a third party not authorized to receive such information, all in violation of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C.1681. My information is that the unauthorized recipient of this information is XXXX. 

Since I never gave permission for anyone to inquire about my Credit Status, they are unauthorized. Furthermore, their continued existence on my Credit Report represents inaccurate information, which under the Fair Credit Reporting Act, must be removed. 

XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX  Inquiry Date XXXX/XXXX/XXXX XXXX XXXX XXXX Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX XXXX  XXXX Inquiry Date XXXX/XXXX/XXXX XXXX XXXX Inquiry Date XXXX/XXXX/XXXX As I am sure you are aware, Section 1681 ( r ) of the FCRA prohibits such acts and provides for the following sanctions : Any officer or employee of a consumer reporting agency who knowingly and willfully provides information concerning an individual from the agency 's files to a person not authorized to receive that information shall be fined under title 18, United States Code, imprisoned for not more than 2 years, or both. 

This letter shall further serve as demand that your agency thoroughly investigate this matter and provide me the result of your investigation forthwith. Moreover, I expect your agency to immediately cease all such communications to unauthorized third parties.

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 2017-12-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: CA

Complaint narrative:
On XXXX XXXX, XXXX I was approved for a discover credit card for students. As a newly adult attending college I figured this was the best card with the best opportunities for college students. I was excitedly anticipating my card getting delivered and it was received today on XXXX XXXX, XXXX. I called to activate my card since I could n't online, they passed me through several departments and the last one I spoke to was a women with a southern accent, I however did not remember her name. The minute she answered me she began to misgender me. She referred to me as Sir and Mr.. I was quite offended and my cousin being in the same room as mine and overhearing what was happening looked concerned. She ended up taking the phone from me and correcting the women, telling her to refer to me as Mrs or Ma'am, because I am in fact a women. The women on the line got very quiet, I proceeded to take the phone back and attempt to continue to activate my card because I no longer wanted to speak to her and wanted to get this over with. She then said she was going to call me back with the number I had provided on my application and I never received a call. I called Discover back and they said my account was being reviewed. I understand the confusion that comes from hearing two different voices, however she clearly misgendered me and threw me completely off balance. I have never been misgendered over the phone and I will continue to be offended until I receive a formal apology and proper help to activating my account. Now my activation has been delayed for another 2 days and I will be expected to be on their schedule when my own schedule is already filled with school and work.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: MT

Complaint narrative:
Am trying to get a home mortgage. Through XXXX XXXX XXXX. I started around the first Of XXXX. They had XXXX XXXX do Appraiser on my house. On XXXX/XXXX/XXXX. He toke a 5 bedroom, two bathroom house. turn it into a 3 bedroom 1 bathroom house. I have full basement. Down there is 2 bedrooms and a bathroom. He said that the bedrooms are as follow. One is study and the other one is a den. Both of them have a bed in them. I tried to tell I called the XXXX XXXX XXXX XXXX. About the mistake and they wont lesion to me. The house when I bout was XXXX. And I went through XXXX XXXX XXXX. When I remortgage the house through XXXX XXXX XXXX. And Low VA Ratees. It was XXXX. Now with New Day Financial with 3 bedrooms and 1 bathroom. They are telling me that my house is now XXXX. That is lower then when I got the house and with the remortgage. This is a 5 bedroom and 2 bathroom. Am tried of trying to get them to change it to the 5 bedrooms and 2 bathrooms. They just wont lesion to me. NO one should go through New day.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: Home Loan Center, Inc.
State: AZ

Complaint narrative:
XXXX XXXX advertises as a highly rated auto loan lender. They do n't clearly indicate prior to asking any personal information that they are intermediaries and are selling your information to several lenders. At the end when prompted to enter the last 4 digits of ss #, they do n't give you a warning that proceeding will cause several companies to pull your credit. Instead of a 'submit ' button clearly identified as last step before your information is released to them, their button says 'View Free Rates ', once you click on that, the screen disappears and no rates are given or provided. 
Then i called their phone number and that is when I was explained that i had authorized several companies to pull my credit. 
This is deceifull and not at all what i wanted, and could cause my score to go down due to the inquiries. 
Very upsetting

Company response to consumer: Closed with explanation