vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My mortgage was taken over from Wachovia by Wells Fargo in XXXX or XXXX. I obtained & have had hazard insurance for a single family dwelling on the property, which is a townhouse, since XXXX, because I did not know any better. No one told me the hazard insurance should be based upon the type of dwelling, and, being a first-time home buyer I was completely ignorant of this fact. The original insurance carrier never asked me the type of dwelling, and I paid them for 20 years and never filed a claim. I decided to change insurance companies in XX/XX/XXXX, due to extremely poor customer service. I secured new hazard insurance for a single family dwelling in XX/XX/XXXX which was then cancelled XX/XX/XXXX, due to the property having the original roof and I could not afford to replace a perfectly good roof. Upon searching for hazard insurance again and seeking help from the management company that collects my HOA dues, I was informed that I needed insurance for a condominium/townhouse not a single family dwelling. I then secured hazard insurance on XX/XX/XXXX, with a different carrier, before the cancellation, for a condominium/townhouse and all the required forms were sent to Wells Fargo on XX/XX/XXXX. I have received two letters from the Insurance Department of Wells Fargo stating that they have imposed lender acquired hazard insurance for the property, which increased my mortgage payment by {$300.00} starting XX/XX/XXXX and to continue for the next 12 months. The first letter dated XX/XX/XXXX, stated nothing was received by them and I needed to submit the Declaration page of my new insurance policy. I called Wells Fargo several times about this issue and was put on hold for lengthy periods of time each time. I was eventually told that the required information was received from my new insurance carrier on XX/XX/XXXX, however, the newly acquired insurance is for a condominium/townhouse and is, apparently, not acceptable to Wells Fargo. The latest correspondence from Wells Fargo, datedXX/XX/XXXX continues to state that hazard insurance is needed on the property, and does not address the issue of having lender imposed hazard insurance when hazard insurance already exists. The people answering the phone at Wells Fargo are not qualified to solve customer issues and are not honest in their responses. I have spent a large amount of time trying to get resolution on the phone and am put on hold for long periods of time and never informed of the proper person to address the specific issue. For example, I spoke to someone who identified herself as XXXX XXXX on XX/XX/XXXX who told me my current insurance documents had been received, that a check would be sent to my insurance carrier ; no check has been sent.

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 2017-06-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
On  XX/XX/XXXX  O cwen Loan Servicing LLC, said it was No Longer Servicing this Loan #  XXXX  on a letter sent in reply to CFPB a government Agency.   On or about   XX/XX/XXXX  Oc wen Loan Servicing LLC posted property Inspection fees, Legal Filing Service Fees and a GSE-REO Liquidation transaction.   How is this Possible? When the on   XX/XX/XXXX  th ey show a Loan disbursement of  XXXX , to WHO?   They show force placed  Insurance  on   XX/XX/XXXX     XX/XX/XXXX , XX/XX/XXXX .    On XX/XX/XXXX there is an alleged sale  XXXX   XXXX  County Recorders Document #  XXXX  from  XXXX  to  XXXX   XXXX .   and in   XX/XX/XXXX ,   Document  #  XXXX  from  XXXX   XXXX  to  XXXX  and  XXXX   XXXX .   On     XX/XX/XXXX    Ocwen Loan servicing, LLC  shows  6  transaction occurring on that day.   How is this possible since they stopped servicing this loan in   XX/XX/XXXX 6  and it sold twice since?   Also If They did a Full Credit Bid they are precluded from collecting its debt.   Did they Pay  Cash  in Lawful Money of the United States? Please show the receipt and proof of funds .Document #  XXXX  See attach ed 1 )  So what was it   a Purchase? A Credit Bid.
2 ) Was Loan Disbursed? Insurance paid it? or was it Sold?
Ocwen Has violated Title 15 U.S.C 1692c ,1692e,1692f,1692g,1692h,1692i,1692j .  Evidenced by their own admissions to the CFPB complaints submitted.   Also Unjust Enrichment, Filing false insurance Claims, and other Financial Crimes R.I.C.O. related

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The original credit or is  XXXX   XXXX   XXXX   XXXX  . The problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with t he corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of  XXXX / XXXX . On the   XXXX   report it shows the chargeoff done  in  XX/XX/XXXX , on the  Experianreport  it  shows that i was in good standing with them during that time. It also has no close date on   XXXX   or Experian. No high balance recorded on  XXXX  or Experian. No visible Account number, it is completely blocked out. On  XXXX , it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all  XXXX  credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to th em on  XX/XX/XXXX  to ha ve  the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. Thank You

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 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
The original creditor is  XXXX   Store Card.  The problem i have is that they are reporting incorrect information across my credit report. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act along with the corresponding local state laws. As of right now they are in violation. I am writing to challenge the reporting and compliance of  XXXX / XXXX . On the  XXXX  report it shows the chargeoff don e in   XX/XX/XXXX  , on  the  XXXX report it shows that i was in good standing with them during that time. It also has no close date on  XXXX  or  XXXX . No high balance recorded on   XXXX   or  XXXX . No visible Account number, it is completely blocked out. On Transunion, it has missing information and no payment history whatsoever.The last Activity on the account is inconsistent across all  XXXX  credit bureaus. I need this matter resolved.This is unacceptable. I have settled the debt with this creditior and feel this is highly unprofessional for them not to report the correct information. I reached out to them o n / XX/XX/XXXX to h ave the account removed due to their inconsistencies. They asked that i fax over information of my credit report. I ask they fix and validate what they have on their end or remove this account completely from my credit report. Thank You

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 2017-06-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
The  Wells Fargo   XXXX   XXXX  branch  in   XXXX   XXXX  , New Jerse y permitted an unauthorized individual to open an account in lat e  XX/XX/XXXX  or early    XXXX   XXXX   XXXX  . The individu al stole a business check which had been issued by a vendor of the business to the business. That check was used to open the account. The bank never requested any documentation ( resolution or other documentation ) to su bstantiate that the individual had authority to act on behalf of the business. The bank branch employees permitted the individaul to withdraw the entire {$9000.00} sum from the account. The business was deprived of its monies.   
Efforts to resolve the matter with Wells Fargo have   been fruitless and the attorney 's letter ignored.

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 2017-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
I have disputed this debt with the company several times requesting documentation to prove I owe this debt and have never been provided any information. I did not contract this debt nor have I seen any proof otherwise. My fourth and final dispute requesting proof of debt was sent to the company  on   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To Experian :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name this  one  is OK  XXXX   XXXX   XXXX   XXXX  Date of request  XX/XX/XXXX  Inquiries shared only with you Account name EXPERIAN Date of reques t ( s )   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request  ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX    Date of request (  s  )  XX/XX/XXXX  XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX Account name  XXXX / XXXX  Date of request  ( s  )  XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s )   XXXX / XXXX / XXXX  Account name  XXXX / XXXX /  XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  EXPERIAN  XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX /EXPERIAN CONSUMER  XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX /  XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  Date of request  ( s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX  2 Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   Date of request (  s  )  XXXX / XXXX / XXXX  Account name  XXXX   XXXX  Date of request (  s  )  XXXX / XXXX / XXXX  Account name   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX Account name   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request (  s )    XX/XX/XXXX Account name   XXXX   XXXX   Date of request (  s )   XX/XX/XXXX  Account name   XXXX   XXXX    Date of request (  s )   XX/XX/XXXX  Account name   XXXX   XXXX   Date of request (   XXXX   )  XX/XX/XXXX  Account name EXPERIAN Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name EXPERIAN Date of request ( s )  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TENET HEALTHCARE CORPORATION
State: TN

Complaint narrative:
I OBTAIN MY CREDIT REPORT FROM ALL  XXXX  CREDIT REPORT AGENCIES AFTER BEING DENIED CREDIT AND NOTICED SEVERAL INACCURATE AND INCORRECT ITEMS AND ACCOUNTS THAT DID NOT BELONG TO ME NOR DID I APPLY FOR. I HAVE DISPUTED THIS ITEM WITH THE CREDIT BUREAUS. I HAVE ALSO FILED A IDENTITY THEFT COMPLAINT WITH THE FT C ( FEDERAL TRADE COMMISSION ).   FTC REPORT NUMBER :  XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I installed  XXXX   XXXX  service at my apartment. With my  XXXX   XXXX  service I was offered a  XXXX   XXXX . I took the offered. I was charged outrageous fees for used data that I did not understand, I also received equipment that I never ordered. I was charged for it. I returned the equipment, but theyvkept charging. While I was disputing the charges  XXXX   XXXX   XXXX  cancel my  XXXX   XXXX  service without notification.   I.c.  System Inc. do  not stop calling. They reported me to   XXXX   and  XXXX  that I know, I do know how many others.   What they do is they reported me wait a couples of months, withdrawed it, wait a couples of months a reported me again for the same thing. This is been going for the last year.

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 2017-06-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Phoenix Financial Services LLC
State: LA

Complaint narrative:
Date   XXXX     Amount  XXXX  Company :  Phoenix Financial Service , for  XXXX   XXXX   XXXX   XXXX  Received call from company representative on approximately  X/XX/17.  Was told it was attempt to collect debt. Company representative told me who the debt was for. I expressed some confusion over debt given the billing timeline and not receiving bill for services and being confused about the name being collected for vs. the hospital the representative later said it was for. Company representative gave me an email he said I could email but told me not to use info on the company site because it would send " another validation of debt '' letter. At the time, I thought it was a little odd that he said that because I had never received any mail from the company or a letter for a validation of debt. He went on to ask if I wanted to pay anything and I said, no because I needed to know more about the debt. He reiterated that I should contact the email he gave me. After the call, I looked up my credit report the next day and noticed that the report from the collection company was placed for collection well after I had visited the hospital the representative claimed this debt was for. Believing this was not my debt and an error, I filed a report with the credit burea u (  XXXX  )  who said more information was needed. I later after more investigation to get ready to write a debt validation letter, found out that it was agains the Fair Debt Collection Practices Act for the debt collector to advise me against seeking Validation of Debt, especially when I was talking to the representative about trying to understand about what the debt was for. The company and company representative knowingly and purposefully advised me against this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
I   XXXX   I was laid off a job I had for 6 years. When the lay off happened I had just purchased my home so from   XXXX   to the current I have been struggling to pay me monthly mortgage. I filed for Bankruptcy so that I could try and find a job that in the field that I was in so that I could get increase my income. I have applied for a loan modification around 4 times and now I have requested a loan forbearance for a period of time this will help me tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
To   XXXX   :  XXXX   XXXX   XXXX   XXXX , TX  XXXX  The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name this  XXXX  is OK  XXXX   XXXX   XXXX   XXXX  Date of request  XX/XX/XXXX  Inquiries shared only with you Account name  XXXX  Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX    Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  Account name  XXXX / XXXX / XXXX  Date of request (  s  )   XX/XX/XXXX    XX/XX/XXXX Account name  XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX / XXXX / XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX    XXXX     XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX / XXXX   XXXX   XXXX  Date of request ( s ) XX/XX/XXXX  Account name  XXXX /  XXXX   XXXX   Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  Date of request (  s  )  XXXX / XXXX / XXXX  Account name  XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX   XXXX    XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX   XXXX   2  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s  ) XX/XX/XXXX  Account name  XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX Account name   XXXX    XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX   XXXX   XXXX  Date of request (  s  )  XX/XX/XXXX  Account name  XXXX  &  XXXX  Date of request (  s  ) XX/XX/XXXX  Account name   XXXX   XXXX   -  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX    Date of request (  s  ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX  Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request (  s  )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  XX/XX/XXXX  Account name   XXXX   Date of request (  s  ) XX/XX/XXXX  XXXX   XXXX   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To  XXXX  :   XXXX   XXXX   XXXX    XXXX , TX   XXXX   The following inquiries are in correct Someone has my personal information and has tried to apply for credit using my personal information. I have a added a fraud alert on my file Please remove these fraudulent inquires   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX Account name   XXXX   XXXX   Date of request XX/XX/XXXX  Account name this one is   XXXX   XXXX   XXXX   XXXX   XXXX   Date of request  XX/XX/XXXX nquiries shared only with you Account name   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name  XXXX  Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX Account name   XXXX   XXXX   2 Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s ) XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name   XXXX   XXXX   Date of request ( s )  XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX   XX/XX/XXXX  Account name  XXXX  Date of request ( s )  XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-09 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: IN

Complaint narrative:
IHAVE MUTIPLE IN QUIRIES THAT I HAVENT AUTHORIZE I HAVE APPLIED FOR CREDIT IN A YEAR HAVE MUTIPLE INQUIRES ON  XXXX  CREDIT  XXXX , EQUIFAX,   XXXX   FILE BANKRUPTCY DISCHARGE AND HAVENT USE OR GAVE ANYONE MY INFORMATION SEEN ALL TYPES OF INQUIRES THAT I HAVENT REQUESTED.

Company response to consumer: Closed with explanation