vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-07 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: IA

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Equifax ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: Experian Information Solutions Inc.
State: IA

Complaint narrative:
XX/XX/XXXX Experian XXXX XXXX XXXX XXXX XXXX, NE XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Experian and XXXX ran an unauthorized credit inquiry on me onXX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Chase Card and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the signed agreement for this inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # 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 explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I have a business checking account with TD Bank and received several Business Credit Card Offers in the mail. When I tried to open the account online in XX/XX/XXXX I repeatedly received server error messages. I called was told to just go to the local branch. The offer included 0 % APR on purchases for one year and now when I received my 2nd statement I see I was charged 23.99 % interest. I called on X/X/2017  they tell me because I opened the account in the bank instead of online I did not get the 0 % APR. Between checking and savings I have over {$15000.00} in TD Bank earning zero interest. I would never have carried a balance If I knew I would be charged interest. They tell me I need the original offer to receive the 0 % APR.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
The lender has failed to respond to our QWR and Notice of error request sent on XX/XX/XXXX and are proceeding to sale set for XX/XX/XXXX - the lender is in violation of regulation X-12 USC 2605 ( e ) ( 1 ) and the client 's right to counsel. We have been told as of XX/XX/XXXX they are in receipt of the QWR and have not responded - We will not be allowed enough time to review the information being provided via our QWR request without the sale being postponed for this response to be received and reviewed adequately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
XXXX XXXX? XXXX from the Wells Fargo Executive Office on a recorded line called me and refused to allow me to record the call also.
I am trying to work through a loan modification with them.
So, they can record calls and when I ask to be able to do the same, they refuse.
I need to record the calls to document for accuracy and legal reasons just as they probably due too.
What do we do now?

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 2017-09-07 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: IA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NE XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX and Equifax ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Chase Card and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the signed agreement for this inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
In XX/XX/XXXXand XX/XX/XXXX I sent certified Hipaa letters to Nationwide Recovery Service asking for the verification of the accounts by asking them to send me a run down of all of the accounts that they have in my name and also the documents with my signatures from the medical provider that would prove or disprove that I am the actual owner of the acquired debt and they did not send me the documents I asked for. What they did send me both times in response to the Hipaa letters was a " debt validation '' letter with only a few of the debts they have under my name. In XX/XX/XXXX/ XX/XX/XXXX I sent a pay for delete letter for a partial amount to settle the debt and stressed in the letter that I was NOT validating the debt, but willing to pay a partial amount to settle the debt in exchange for removing the accounts from my credit report. I received no response within 30 days. On XXXX XXXX, 2017, I called to get more info as to how we could settle the UNVERIFIED debts and I was informed by XXXX the following : * I had 36 accounts totaling over {$2000.00} ( ( which was not in the debt validation letters they sent to me, including the most recent one which only totaled a little over {$600.00} ( not depicted in the file below ) so I was unaware of the additional accounts that were listed as well as the total amount of debt they attempted to collect ) ) *All 36 of the accounts were in dispute ( ( which I DID NOT ask for any of the accounts to be disputed only verified but they took the Hipaa letters as a dispute AND it is impossible for me to ask to dispute accounts that I did not know about until today ) ) * They do not take payments for accounts that are being disputed so that is why I received NO response to my pay for delete letter ( ( once again I NEVER asked for the accounts to be disputed and had tried to offer a settlement of the debt even though it remains unverified. ) ) This company is unfairly reporting debt on consumers that they do not even validate actually owes the debt. XXXX and XXXX, who I spoke with on the phone told me that they do NOT receive signature documents ( that would verify that I willfully assumed the debts they are trying to collect ) Not only that but they do not correspond properly to consumers who wish to validate and verify these debts or those who wish to settle them. I believe their practices are against FCRA laws and I would like them further investigated.
*File uploaded is not their response to the hipaa letters but to a debt validation request sent by a credit repair company I use. However, this is exactly what I recieved when I sent the hipaa letters as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: IA

Complaint narrative:
XX/XX/XXXX Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and XXXX ran an unauthorized credit inquiry on me on XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Windham Professionals, Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX I received a letter from Windham Professionals stating that they were licensed to collect debts in Minnesota and that they were seeking to collect a debt from the XXXX XXXX XXXX. The amount listed for collection in their letter was nearly 3x the amount which the Federal Government states that I owe. The StudentLoans.gov website lists this debt as {$1300.00}. Windham Professionals is attempting to collect approximately {$3400.00} from me.
When I went to Windham Professionals website ( www.windhampros.com ) I found that their online payment portal is nonfunctional ( https : //www.windhampros.com/makeapayment/ ) and only contains a redirect link offsite to the Dept. of Education. The redirect link directs to a dead webpage at the Dept. of Education. This dead link to the Dept. of Education is used throughout Windham 's website in lieu of actually providing information about customer 's loans. When I searched for Windham Professionals on the BBB.org they return an unusually high number of consumer complaints. Therefor I decided that to protect myself I needed to ensure that Windham Professionals is a legitimate servicer of my debt.
Having worked as a bill collector in the past I knew the process for this and sent them a letter on XX/XX/XXXXrequesting that they prove that the debt is legitimate, that they are authorized to collect it and proof that the amount they were attempting to collect is valid. I am legally entitled to this information per the FDCPA and stated so in the letter. Furthermore under the FDCPA they are required to cease collections attempts until they have provided me with this information. As of today XX/XX/XXXX I have still not received any documentation from Windham Professionals regarding this debt. They have continued to make attempts to contact me by calling me at two phone numbers and over social media at my XXXX account. They have violated the FDCPA in the following ways : 1. They have not responded to my Dispute letter in writing.
2. They have continued to make collections attempts after receiving my dispute letter.
3. They have provided no documentation regarding this debt.

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 2017-09-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: Westlake Services, LLC
State: GA

Complaint narrative:
We purchased a car through XXXX XXXX XXXX that was financed through Westlake Financial in XXXX 2015. We had to pay {$7000.00} cash down and another {$2000.00} to XXXX XXXX XXXX to sponsor the deal. After a year of payments and no tage, I contacted Westlake Financial and asked if they could assist with getting the tile or if they had th etitle to the car. Westlake informed me that they did not have the title, but would be able to get it for me. They wanted me to sign some documents to suspend the loan payments. Three months after signing the suspension documents, I called Westlake Financial and spoke to XXXX XXXX and was told that the title had not been obtained. Westlake ten stated that they could pick up the car and at the time that they had the car in their possession, they would then mail e a check for my money. The Westlake agent was unsure as to how much money would be refunded to me. I made loan payments for 1 year - {$6000.00}, plus the down payment - {$7000.00}, dealer fees - {$2000.00} and insurance payments - {$1500.00}. My out of pocket osts so far - {$16000.00}. The interest rate on Westlake 's loan was : 20 % /.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: IA

Complaint narrative:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # xxx-xx-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 explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On or about XXXX XXXX, 2017. I contacted XXXX XXXX XXXX XXXX XXXX ( XXXX ) to set up a payment plan. After the gentleman read me the disclosure, he then attempted to collect on the entire amount of the debt. I explained to him that I could only a particular amount per month until I 'm financially able to pay more. He said that my amount was not acceptable and that i needed to pay a higher amount. I again told him that I could not commit to the higher payment. He then ask me " What happened and why I have n't been paying my bill '' I told him that due to medical illnesses, I was not able to. He then asked me " What is wrong with you? ". I responded asking him, " what do you mean? Are you asking what 's wrong with me medically '' ; he said " Yes ''! I told him that it was personal and do not wish to disclose my medical information.
I feel that my HIPPA Rights have been violated! Aside of his curtness and lack of professionalism. I am certain that this call was recorded and should n't go unaddressed!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 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: IA

Complaint narrative:
XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX, IL XXXX RE : UNAUTHORIZED INQUIRY To Whom It May Concern : I reviewed a copy of my credit report and Tranunion ran an unauthorized credit inquiry on me on XX/XX/XXXX and XX/XX/XXXX.
I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact XXXX XXXX/XXXX and investigate such occurrence.
I am requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. In addition, as part of your investigation, please send the names, business address and phone numbers of those who made unauthorized credit inquiries so I may contact them directly as well as the sign agreement for the inquiry.
If you have any questions or need additional information, please contact me at address listed below.
Thank you.
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IA XXXX Social Security # 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 explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Loan Center, Inc.
State: TX

Complaint narrative:
I contacted Lending Tree ( XXXX XXXX ) about getting quotes for a Home Equity Loan in the state of Texas. I was assured by the privacy statement and disclosure rules that my information would be shared with up to 5 partner companies to get home equity loan offers. Instead, it turns out that none of the affiliated lenders do traditional Home Equity Loans, but every call and email I received from their partners was for a cash-out refinance, which is a completely different product. This is incredibly deceptive. My personal protected information was shared with five other parties without my consent, because I did NOT request cash-out refi quotes, I requested Home Equity Loan quotes. Every representative I spoke to on the phone was clear that their companies do n't offer Home Equity Loans or HELOCs in Texas, and that Lending Tree always sends them cases like mine knowing full well that it 's a different product.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CO

Complaint narrative:
I had send money via MoneyGram to someone. The time of completion of request on the receipt was XXXX on X/X/15. I called the company at XXXX on same day to cancel and get a full refund. I was on hold for 2-3 minutes. The phone rep came on line and it took him another 10 minutes to process the refund.
I picked up my funds minus the fee of {$11.00} the next day.
I have since then called the company and per the manager, I should not be getting the fee back because the transaction completion went over 30 minutes.
Note : With his poor comprehension skills, it was very difficult for him to even state this statement to me, but this is the best I could make out of his words he was throughing at me!
I found it very thought to explain to the non native speaker of English on the phone that I had initiated the refund call within 30 minutes and that should be looked at and not the time it took for the phone rep ( another person who could barely speak English ) to process the refund completely.
It appears the manager was not even aware of the 30 minute refund policy on back of the re riot.
FYI- Please note that before speaking with the manager I was initially speaking to another phone rep who told me that I should not be getting the fee back as I called 2 days after the event.
This is not true as there is no statement on the receipt that tells you to call back within one day for any dispute.

Company response to consumer: Closed with explanation