vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Online Collections has entered into collections activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who Online Collections is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Online Collections is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have attempted to contact Online Collections via certified mail RR # XXXX XXXX XXXX XXXX XXXX and they have chosen not to provide the information requested. 

When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Online Collections as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Online Collections } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Online Collections, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate.

Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide a notice within 30 days after reporting negative  information to a credit reporting agency ( CRA ). 
* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
Enhanced Recovery has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. 


I have no idea who Enhanced Recovery is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. Enhanced Recovery is indicating that an account with the account number XXXX was opened with their company in XX/XX/2020. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. I have requested to receive notarized validation from Enhanced Recovery via certified mail RR # XXXX XXXX XXXX XXXX XXXX and the company has ignored my request. 


When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 

2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 

3. Provide the contract or other instrument through which [ Alleged Creditor } authorized Enhanced Recovery as third-party collection agent. 

4. Provide a true and correct copy of the instrument by which [ Enhanced Recovery } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 

5. Provide the delegation of authority from the Director of the Office of Management Budget to Enhanced Recovery, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 

6. Provide the Certified Assessment Certificate. 


Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). 
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).

* Failure to provide an Opt Out Notice. 
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. 
XXXX Sharing Non Public Information ( NPI ) without providing an Opt Out Notice

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Wells Fargo is reporting that I paid my credit card with them late for the month of XXXX and XXXX of XXXX, but it was never late. I had mailed my credit card payments for these two months to the address that I was provided by the representative at the Wells Fargo Call centre and I took the address done exactly as it was provided to me. I sent both payments for the month of XXXX and XXXX out timely and I never received my payments returned to me. I also never received any phone calls from Wells Fargo letting me know that they did not receive my payment. I only became aware they did not receive or cash my payment when I got a notification from my credit bureau that Wells Fargo had reported me as having paid my account late ( 2 ) months in a row. As soon as I became aware of this I contacted Wells Fargo and explained the situation, and immediately began making payments by phone. I explained to a manager of the call centre exactly what had happened and that I had mailed the payments to the address that I was provided by the associate that I had spoken with and that I had not received the payments back. 

The manager told me that she understood the situation and that she would remove the late markers from my credit report and she realized that it was an honest mistake and that it was not an intentionally done on Wells Fargo 's side and that it was not intentionally done on my part. I was fine with this and I was happy that they understood and was grateful for their assistance. The problem is that they never did remove the late markers and for the past 9 months I have continued to pay my credit card on time, but Wells Fargo still has not done as they promised me they would do and remove the late markers for the month of XXXX and XXXX of XXXX I have called many times since this promise was made to me and I have continued to be told this would happen and that they apologized and to give them 30 to 60 days, but it has now been nearly a year and this still has not happened. 

I was so happy that Wells Fargo was so understanding at one time but then refused to honor the resolution they had agreed to with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-07-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem with direct deposit
Company: Netspend Corporation
State: FL

Complaint narrative:
Skylight netspend sent me an email blocking me out of my account I sent them what they requested they refused to unblock my account kept lieng and hanging up on me and closed my account without my knowledge keeping my whole paycheck she lied stating she would mail check and stated my money was still on a card that they shut down and blocked me out of, they kept asking me for more personal information that I refused to give so I have my job tracking the check I need help suing them they put me in a position to have my lights disconnected in my home took food from my kids by keeping my check it may not be much go others but XXXX is everything to my family in these hard times this happened 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 2020-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
i sent letters to the three major credit bureau from XX/XX/2020 till XX/XX/2020 letting them know the information on my account was incorrect or not mine and i haven't received any response or validation of these accounts

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 2020-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
The company charged me for items and has been billing me for items that I did no purchase or receive. This is very aggravating as I have tried discussing and they still have advised they will continue to bill me. They have charged me more than double multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I orderd a replacment debit card from Wells Fargo and received a confirmation from Wells Fargo that it was ordered. I escalated to XXXX at the Executive Desk and she is refusing to send a Debit Card. Please send Debit Card and PIN. 

Subject : A replacement card was requested From : Card Services XX/XX/2020 XXXX XXXX Contact Us A replacement for your card was requested A request was submitted online to replace your DEBIT CARD. 
Card number XXXX Requestor name XXXX XXXX Reason LOST Shipped To Address on File XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX You will receive an alert after your card is shipped. 
If you have questions or believe this request was in error, please call us at XXXX ( XXXX ). We are available 24 hours a day, 7 days a week or contact us by secure email. 

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 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: UNITED BANKSHARES, INC.
State: VA

Complaint narrative:
I've been making additional principal payments since XX/XX/2020 ; however, these payments are not being applied to my principal balance in a timely manner. I have to call United Bank on a monthly basis to have them apply the payments to the principal balance. If I do not call the payments will not be applied even after the regular monthly payment has been satisfied. I've been told on numerous occasions that my account has been noted to apply all additional payments to the principal balance but this is not occurring.

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 2020-07-09 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: GA

Complaint narrative:
This complaint comes forth, as I have notreceived a response in regards to my dispute that did not line up with the documentation I have provided. Please acknowledge that I AM IN FACT THE INDIVIDUAL that is disputing this fraudulent information listed on my credit report. I have provided more than enough documentation supporting the disputed information caused by identity theft. Please comply to the FAIR CREDIT REPORTING ACT 605 ( B ), which states that any fraudulent or inaccurate information resulting from identity theft must be blocked from the consumers file. These are the fraudulent accounts that are showing towards my personal credit profile : XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX 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 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I've tried to open an account with XXXX stock investment company and PNC does not allow this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: EQUIFAX, INC.
State: TX

Complaint narrative:
waypoint resource group XXXX XXXX accounts XXXX and XXXX XXXX XXXX XXXX filed a ftc account number enclosed on the ftc

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
Re : Request to investigate and delete Bankruptcy Dear Sir or Madam : While checking my consumer report with LEXIS NEXIS Consumer Disclosure Report I noticed a bankruptcy. This is a formal notice that you are in violation of the FEDERAL FAIR CREDIT REPORTING ACT and THE FAIR COLLECTION PRACTICES ACT. You have failed to verify the validity of this claim. Having this bankruptcy reporting a public information lead to derogatory information reporting to my credit reports with XXXX XXXX XXXX XXXX The FEDERAL FAIR CREDIT REPORTING ACTS ( FCRA ) states " a third party data furnisher can not sell, transfer, or report information. Records show that Chapter XXXX Bankruptcy was filed XX/XX/2017 case:XXXX. I have no knowledge of how this bankruptcy reported to LEXIS NEXIS Consumer Disclosure Report. You are not at liberty to report or verify the validity of this claim. I contacted United States Bankruptcy Court XXXX XXXX XXXX XXXX, XXXX, FL XXXX. They specifically stated that they do report information to credit bureaus nor do they sell or transfer information to data furnisher. You are entilted by federal law to conduct a reasonable investigation into this claim. You are also in violation of a number of federal laws that were created to protect consumers : defamation of character, illegally selling and reporting information to data furnishers. Having this bankruptcy reporting on my lexis nexis consumer disclosure report is a misrepresentation of my true credit worthiness as it as affected my FICO SCORE with the credit bureaus. You have no means to verify the validity or accuracy of this bankruptcy due its origin being illegally reported and sold to other data furnishers on your behalf. Failure to comply shall lead to complaints being filed with Consumer Financial Protection Bureau, State and Local advocacy group, and The Attorney General. I request to receive notification via mail once the investigation has been concluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Accounts wont link between PNC and XXXX. I have XXXX in XXXX that I need, and Pnc wont let me save either

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : Original Creditor, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
Due to Covid-19 my Husband who is the main source of income in our family was furloughed on XX/XX/XXXX. Hyundai Motor Finance, whom we have two vehicle leases with, was offering 90 days deferment for those affected by Covid related lay offs. The only option they gave to apply the deferment to your account was a email form on the website where you selected 'Covid 19 '' as the reason for deferment. 
I submitted the form in XXXX and received a generic email saying they received my request. We never received any follow up information in the mail, or calls from Hyundai to confirm the deferment plan. I continuously called their customer service line the entire month of XXXX and XXXX, getting an automated recording that they had high call volume and to try again later. I was not able to successfully talk to someone live until XXXX. 
The customer service representative told me to not make any payments for the past due accounts and that they would have to process one month at a time, to apply for the deferment program, but that XXXX, XXXX and XXXX would be covered under their program. Several representatives assured me that our credit would not be affected, our account would not be late and that the deferred payments would get added to the end of our lease term billing. 
Since then, we have noticed my husbands credit score, as well as mine, have gone down significantly. We attempted to contact Hyundai,  receiving once again the automatic message about high call volume, with no option to speak to a person. After several days of trying a representative told us that the deferment program was no ended and there was no way to apply the program to our now, very overdue account. I asked to speak with a supervisor and was given no helpful information and was told our credit would be affected until we paid our account in full. They claim that we never followed up on the deferment program, when I did actually call repeatedly with no way of talking to someone. 
I contacted our local XXXX XXXX XXXX XXXX  and they said, as long as I filled the form claiming Covid job loss on there website I would be okay and eventually it would be applied to our account. 
We are unsure what to do, but are discouraged our credit is being affected despite Hyundai  offering a 90 day deferment, that we met every requirement of.

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 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I can't go through with my international transfer. I've been trying for the longest without success.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Basically my mortgage company sold my loan to another company and my credit score dropped 63 points!! Why? And how is that my fault ... ..? Please advise

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 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Nelnet, Inc.
State: FL

Complaint narrative:
Great Lakes has evaded to responding with lawful definition of " payment '' and liability to alleged obligation via fraud, concealment, failure to disclose or intentional misrepresentation under penalty and perjury to foregoing pursuant to 28 U.S.C. 1915e ( 2 ) B ( i ) ( ii ) ( iii ) and Per 15 USC 78m ( q ) ( 1 ) ( C )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation