vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
I called Wells Fargo Mortgage while I was XXXX to see if there was any assistance they could offer. They advised me I could have a 6 month forbearance and would not be marked as delinquent and at the end of the 6 months they would review my account and put me on a plan to pay the amounts I was behind. At the end of the 6 months they marked my credit report late during the months I was in forbearance. I called and the corrected it then they told me I had to fill out an application for a loan modification. I have filled it out 3-4 times, sent the documents in 4-5 times. They have lost it, can't find it, took it out of review, put it back in review. They have changed my case manager 4 times and the last one, XXXX XXXX is as rude as they come. They told me they don't take emails ( which is how I sent the documents ) and they tell me to go to www.wells.fargo.com/assist and I can't or have never been able to get onto that website. I am home with a broken ankle with no access to a fax machine. I have been trying to get this resolved since XX/XX/XXXX and they won't process my loan modification or tell me what is going on. I have been sending them $ XXXX {$700.00} every two weeks to try and catch up and sine my mortgage is {$1200.00}, they send me checks for {$200.00} back saying I over paid?

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 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: MA

Complaint narrative:
I have contacted the creditor/company many times, but they have failed to provide me with necessary documents that will prove this account or debt belongs to me and it has resulted in loss of credit rating.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Adler Wallach & Associates, Inc.
State: CA

Complaint narrative:
AWA COLLECTIONS is reporting a debt I do not know. I have not signed a contract with them. I do not know who this company is. When I contacted them they did not give me any relevant information. The are violating FCRA rules

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Conduent Incorporated
State: CT

Complaint narrative:
The state of Oklahoma issued tax refunds via Way2Go debit cards. For my return they sent two cards. One in my wife 's name and one in mine.

Cards were not valid until dialing in and selecting a PIN.

The included fee schedule indicates that they will charge {$0.00} per Customer Service fee after two free calls per month. Immediately after activating both cards my balance was reduced by {$0.00}. When I tried to charge the exact dollar amount/balance indicated by their system upon activation, the card was declined for insufficient funds. When I called to find out why my the account was again debited by {$0.00}. There is no option within the automated menu structure to speak directly to an agent. Apparently this is done to get you to continually call back and try to work your way thru their menu to find the correct combination. Each time a client does so they are able to charge them another {$0.00}.

I finally got the combination right by selecting the option to report a lost or stolen card. After you get thru the menu and are transferred to hold for an agent the line goes silent. You don't know if you are on hold or disconnected except by watching the call timer. I never did get to speak to an agent. No one ever answered.

Eventually I determine that I could charge the account for slightly less than the stated amount and was able to use what was left on the card. In this case a {$110.00} refund ended up netting me {$100.00}.

This is not about the amount. This complaint is being lodged because the State of OK and its vendor for tax returns are using predatory practices to bilk taxpayers out of their right returns by not simply issuing tax return checks. 

All this occurred on XX/XX/2020 The account numbers involved are : XXXX XXXX The ONLY customer service number is XXXX Website is WWW.GoProgram.com

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-07 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: AES/PHEAA
State: WI

Complaint narrative:
My CBR is still showing my account was 150 days delinquent on XX/XX/XXXX. I have provided proof of payments thru XXXX of XXXX, which would not make the delinquency valid or possible. The lender has informed me they did not report negative information, but my CBR still remains reflective of bad history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
I submitted a complaint on XX/XX/XXXX to the CFPB regarding collection efforts by Sequium to collect a debt after I sent a validation letter and received no requested documentation in response. The initial complaint and the Company 's response are attached to this complaint.

As of today, XX/XX/XXXX, I have still not received any documentation in response to my validation/ dispute letter. However, Sequium is now listed as as a collections account on my credit report. The Fair Debt Collection Practices Act prohibits efforts to collect a debt when the debt has not been validated, if the supposed debtor requests validation of debt within 30 days after the first debt validation notice is received ( I have, see attached ). These efforts include listing the debt on the supposed debtor 's credit report. 

Further, the listing shows that the collections account was reported to XXXX  on XX/XX/XXXX, only three days following their response to my CFPB Complaint, in which XXXX XXXX states " The account has been placed in a disputed status and verification of the debt is being requested from our client and will be mailed to the address on file. Collection activity will cease providing you time to receive and review the validation of the debt provided by our client. '' I never received any verification of debt via mail or otherwise. Also, listing the collections account is, by definition " collection activity '' and due to the timing, I suspect it may have been in retaliation to my CFPB Complaint. A remark on the listing even notes " meets FCRA requirements '' when this is clearly not the case. 

This is illegal and predatory in the best of times, but during times as vulnerable as a global pandemic should be taken extraordinarily seriously.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Financial Management Solutions, LLC
State: GA

Complaint narrative:
Hi i filed a CFPB Complaint against Financial Management Solutions they are reporting a debt on my credit that does not belong to me. Yesterday XX/XX/2020 i got an alert from the credit bureaus that Financial Management Solutions did a credit check on me that gave me a hard inquiry. I did not authorize this.

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 2020-10-07 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: WI

Complaint narrative:
My XXXX  is still showing my account was 150 days delinquent on XX/XX/XXXX. I have provided proof of payments thru XXXX of XXXX, which would not make the delinquency valid or possible. The lender has informed me they did not report negative information, but my XXXX still remains reflective of bad history.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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: VA

Complaint narrative:
Equifax sent me notification on XX/XX/2020 Confirmation # XXXX That items on my report that I disputed is not reporting on my credit file. I recently checked my report and the item that they stated that isnt reporting on my credits file is still their. They never took it off like they said they did. The item is Company Name : XXXX Account Number XXXX I have the documents of what Equifax sent me via mail that things were taken care. But now I see it wasnt what they stated.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: AL

Complaint narrative:
I recently pulled a copy of my credit report and saw a a fraudulent account and name on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later and I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. In Section 611 ( a ). it states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX  data breach and may have gotten into the hands of the wrong person.

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 2020-10-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing this due to non-compliance with the EXPERIAN They have failed to remove information that was affiliated with personal details that were challenged in the past I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law. PLEASE FIND ATTACHED correspondence of the items that I am at present questioning. It is to be noted that the item in specific may be affiliated with personal information that has been reported fraudulently. 

A list of items that I am challenging for its validity and on whether or not it is compliant to be reported in the first place has been furnished in previously mailed correspondences.

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 2020-10-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AMERIS BANCORP
State: FL

Complaint narrative:
For the past three years since I have owned the property, Ameris bank has sent repeated requests for the flood insurance coverage for my second floor condominium apartment. It usually takes submitting the information it four times before Ameris is finally able to successfully process it. 

In XXXX, they actually improperly force-issued a policy and used the inflated figures to calculate the monthly PITI payment going forward. I was able to get those errors corrected although it took a considerable amount of my time to do so. 

In XXXX, I again had to submit multiple copies before they were correctly processed. 

This year, the company started sending requests in early XXXX XXXX letters dated XXXX received XXXX, XXXX received a couple of weeks later and XXXX ). In response to the initial latter, I had the condo association send a copy of the insurance for the unit. This was never acknowledged as indicated by more letters from the bank. 

On XXXX, I submitted XXXX more copies, by mail, fax and web page, none of which were ever acknowledged. I also sent a copy to the Ameris RESPA address but no action resulted from that either. 

On XX/XX/XXXX, I spent about XXXX minutes on the phone trying to reach the Ameris insurance department. I was only able to leave a message but was assured that I would receive a return call " within 24 hours ''. No call was received but I did receive an email message indicating they have once again force-issued a policy and have improperly charged my account {$1600.00}. [ But this is meaningless coverage since my apartment is on the second floor and any areas that could be damaged by flood are owned by the condominium association. Note that the policy charge for the entire 16 unit building which includes 8 first floor and 8 second floor units is only {$5000.00}. I have never received a copy of this claimed flood " policy '' and wonder if it even exists. ] Today, I attempted to send a fifth copy by email to the Ameris insurance department prior to filing this complaint but it bounced. I send another copy through the loan servicing portal but received no acknowledgement that it was received.

I am asking that the errors be corrected now and going forward and that Ameris be sanctioned as much as possible due to the extended pattern of misconduct.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I applied for a COVID waiver for my Shell card issued by Citibank in Mid XX/XX/2020. I was granted the XXXX waiver for a card that has a closed acct. got a late fee on card I wanted the waiver applied. Called CS got the waiver put on correct card XXXX partial late fee removed. XXXX XX/XX/XXXX {$27.00} XXXX waiver period good for XXXX & XXXX payments resume XX/XX/XXXX. I was told that Shell would just suspend minimum {$27.00} for the next 2 billing cycles with no late fee or penalties. ( Interest continued to accrue ) I scheduled {$30.00} for XXXX XXXX thinking it would be back to min payment status. Apparently Shell wanted the 2 months waived for a XX/XX/XXXX payment of {$54.00}. After incurring late fee XXXX XX/XX/2020 ) for not sending the full amount, having my card locked so I couldn't make a payment till I was allowed to make a payment. XXXX {$24.00} XXXX XXXX ) reversed ( XXXX XXXX XXXX My basis of the complaint is- I was granted a hardship waiver so I could buy household essentials such as food during this pandemic & lack of income due to COVID. I wasn't aware I was supposed to save that money so I could meet the XX/XX/XXXX payment of {$54.00}. My financial situation has barely improved yet Shell/Citigroup want to continue my financial stress by imposing a waiver that doesn't help much if one can't use the temporary relief. I don't know for sure but I wouldn't be surprised if many other financial institutions have the same procedure. Customers should have to only pick up were the payments left off at the minimum not double at the conclusion of the waiver period.

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 2020-10-07 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 sent certified mail a dispute to Equifax regarding the following accounts : Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Investments Account Number : XXXX Account Name : XXXX Account Number : XXXX As part of the dispute I sent a FTC Identity Theft and police reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
i never have a account with capital one but they call me a liar and retared

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MA

Complaint narrative:
I see multiple 30-60 days late marks which is a clear violation of my right under the FCRA. The company has never responded to any of my attempts to obtain any proof or documentation that will prove this account is being reported accurately.

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 2020-10-07 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Williams & Fudge, Inc
State: GA

Complaint narrative:
This is a daily call everyday around the same time of day noon, I have sinced blocked them and sent them a cease and desist letter and a validation lettr of the debt by certified mail and the calls still are coing they are trying to colect on a debt that my wife had a long time ago i thnk it may a student loan but I also fond out that they are not allowed to collect on a student debt. the first time I ansered the call they threatened me with jil for interrupting thier process of collecting on a debt and was very rude. I told them my wife was not here and not at this number and the lady caled me a lair and said she was ther and to put her on the pone. that is when i hung up and blocked them I am on the do not call list but this group still gets through it everyday. The group is XXXX and XXXX XXXX and the the info information show XXXX Ga but their main office is in XXXX XXXX SC and XXXX XXXX is the CEO XXXX XXXX XXXX. I have given them my wife 's number but they want call her they keep calling me and if I had a debt that they were collecting then they should tell me what it is. I want the calls to stop and I have asked them to send it in writing for the debt and the lady said she didn't have to do that. I mailed the letter yesterday and the post office was asking for a secondary adress which I can't find soit may go for nothing and be a bad address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-07 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 — Investigation took more than 30 days
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
I am filing a complaint of non-compliance against the following collection companies : 1 ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX ) 2 ) XXXX  XXXX XXXX XXXX XXXX XXXX ) 3 ) XXXX XXXX ( XXXX  XXXX ) 4 ) XXXX This is formal complaint that you have failed to respond in timely matter to my dispute letter deposited by certified registered mail with USPS. ( have attached both certified returned receipts for record ). 
Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the FTC ( see 15 USC 41, et seq. ). I have maintain careful records and for your benefit, and as a gesture of goodwill final attempt to have you clear up this matter. You have 15 days to cure. ( I have attached letters I sent to EXP and all 3 companies ). The following on the letters needs to verified : In 2000, the FTC held that the FCRA barred a debt buyer from " verifying a tradeline disputed by a consumer when it didn't posses the original documents. FTC allegations was that upon receiving a CDV form from a CRA that the debt buyer ( s ) and furnisher ( s ) they can not use the PCM for verification does not constitute an " investigation '' for purpose of section 1681s-2 ( b13 ), when a consumer disputes the accuracy of information reported by debt buyer ( s ) or furnisher ( s ), they should either verify the information with the original documents within the time period set forth in the FCRA or take all necessary steps to deleted the information from the files of all consumer reporting agencies to which the information was reported within 5 business days after receiving the consumer dispute, notify all consumer reporting agencies to which the information has been provided that the information is to be deleted from the file of the consumer who has disputed the account. Consent Decree Order, Section II. 
As per FTC opinion letter from Attorney General XXXX XXXX XXXX, you should be aware that a print out of a bill or itemized document does not constitute verification. 
I am again formally requesting a copy of VERIFIABLE PROOF ( of original Consumer Contract with my Signature on it ) you have on file ( Section 609 ( a ) of the accounts listed on my original letter.

Company response to consumer: Closed with explanation