vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-17 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: OK

Complaint narrative:
I am not liable for this debt with XXXX XXXX  and do not have a contract with Midland Funding LLC. They refused to provide me with the orginial application like I asked and continued to report a negative account to XXXX, XXXX and XXXX. On XX/XX/2018 ; Midland Funding LLC began to report a balance of XXXX on my credit report. I disputed this account with XXXX and explained that I did not have any account that reflected this bank or this amount owed. Midland Funding then decided to update the balance on the account to {$1800.00} and reported the dispute as resolved and the dispute was closed. I disputed this account again for ownership and asked the creditor to validate the debt with a signed copy of my application to this company or the pry contract, the company provided neither documents. Instead, Midland Funding verified the debt as accurate and no further changes were made to the account. I do not acknowledge this debt and request that it is removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Monarch Recovery Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX. was trying to collect on this same debt, now Monarch Recovery Management Inc is trying to collect. 
Neither provided no proof of the debt, but instead made a settlement options. 

1 ) .Provide me with proof that you possess the legal right to collect on this debt by producing evidence, such as a transfer of the signed credit card agreement.

2 ) .Provide me with proof of chain of custody evidence signed agreement between your company and the original Creditor, such as a purchased agreement ; which must include the full purchased price your company paid to acquire this debt from original creditor.

3 ) .Proof that you are license to collect this debt in the state of Texas .

4 ) .Please provide a verified copy both front and back of the alleged debt contract/agreement/promissory note in its entirety with my signature on it, including any applications, accompanied by a commercial affidavit, sworn to be true, correct.

5 ) .Provide verification and documentation, if there is a charge-off of the alleged debt by the original creditor by providing a copy of the written agreement that created the requirement for your company to seek repayment of the debt claimed and what stipulates your terms to collect the alleged charge-off debt in its entire balance claimed owed by me to the original creditor.

6 ) .Please provide proof that the alleged debt has not been satisfied by any means available including the originator creditor receiving federal Tax write-off or credit for the entire debt used by them as a charge off.

7 ) .Please provide proof that you have not purchased the alleged debt.

8 ). Provide proof of all billing statements from the beginning and closing date of the alleged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE. 

I XXXX XXXX recently received a copies of my consumer reports ( Experian, XXXX, XXXX ) and I noticed some late payments posted on my consumer report.This company is in clear violation of the law. Pursuant 15 USC1681a2 ( A ) ( i ). Failure to respond satisfactory with deletions of the Late payments will result in legal action being taking. Remove late payment..

Account Information XXXX. XXXX XXXX XXXX XXXX. Acct # XXXX XXXX. Date Opened XX/XX/XXXX XXXX. Months showing XXXX XX/XX/XXXX & XX/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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
In XXXX of XXXX, XXXX XXXX XXXX  listed a credit card account as charged off to all 3 credit bureaus. The account has remained as " charged off '' since and there has been no update to the status of the account, no payments made, and no card activity since XXXX XXXX. In early XXXX, XXXX XXXX XXXX  incorrectly reported the account as charged off XX/XX/XXXX. 

They have improperly changed the charge off date which has caused my credit score to drop across all XXXX bureaus. I was able to successfully dispute the record with XXXX but I am waiting to see what Equifax and XXXX will do. In the meantime, credit is damaged and I am concerned that my current limits may be cut or have my accounts closed as a result of this XXXX error.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
II paid off a loan with XXXX in XXXX. Theyve not updated my report. Ive called at least 4 times and waited over an hour each time. Last week I got through and was told there was a mistake on my account, but only a higher up could resolve it. I spoke to XXXX who acknowledged something is Very wrong. My account is not being reported to the credit bureaus. Ive disputed with them all, but XXXX will not release my information? They told me there was a suppression in 2022, but not any longer yet, they still refuse to release information or validate my dispute.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XXXX the XXXX 2023. I received an alert on my phone in reference to a drastic decrease on my credit file. I reviewed my credit file and noticed that I had 2 late payments from XXXX XXXX XXXX. I reached out to Experian who I subscribe my Credit Monitoring through a paid membership, to alert them that I did not have a XXXX Account with a credit limit of {$2000.00} with a high balance of XXXX. I was informed to place an identity theft claim and submit it to the bureaus for removal and reach out to the Creditor. I went to the local XXXX XXXX XXXX, and they confirmed that this account does even exists. They ran my Social and I personally bank with this institution. I filed a dispute, with the Credit bureaus and it came back affirmed that this was my account. I was very confused that the account stated that this account was opened in XX/XX/2023, and it did not appear on my Credit report until XX/XX/2023. The high balance continues to change monthly. If you review my Credit report prior to XX/XX/2023, this account never appears. I have several arguments regarding this issue. This has hindered me from going forward with the purchase of my home and I would like for this account to be removed from my Credit Report. I have found several violations in reference to this account on my Credit Report.

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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: CONTRACT CALLERS INC
State: PA

Complaint narrative:
XXXX XXXX has made several mistakes with my account. 
-sending bills to the wrong address -sending bills to collections and giving the collection agency the wrong address -applying payment to the wrong account

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I did not give this company to transfer my account to a third party collections company without my consent. 

ACCOUNT # XXXX CHARGED OF BALANCE : {$3400.00} DATE OPENED XX/XX/2019 NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
My PayPal account ( which I never use ) was hacked and used to send a series of three " friends and family '' transactions to a stranger I have never met using XXXX currency. None of the linked bank accounts in my PayPal are active, so the account now says I owe {$63.00}. It never should have allowed my account into a deficit, as Venmo and other digital wallets only work if the transaction processes. Moreover, I tried to contact customer service, but because the fraudulent debt is in collections, they hung up on me when I provided my account information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Nelnet, Inc.
State: CO

Complaint narrative:
II paid off a loan with Nelnet in XXXX. Theyve not updated my report. Ive called at least 4 times and waited over an hour each time. Last week I got through and was told there was a mistake on my account, but only a higher up could resolve it. I spoke to XXXX who acknowledged something is Very wrong. My account is not being reported to the credit bureaus. Ive disputed with them all, but Nelnet will not release my information? They told me there was a suppression in 2022, but not any longer yet, they still refuse to release information or validate my dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: MOHELA
State: IL

Complaint narrative:
I haven't applied for any educational training. I think someone is using my name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
Capital One Credit Card for Saks Fifth Avenue closed my store card even when the card was active, payments were made, and billing center had accuracy that correct the response to in which the account should not be closed. They decided to hinder my credit by keeping the card on my account for years after they decided to close the account which is not fair treatment.

3 ) Notification to card issuer. Notification to a card issuer is given when steps have been taken as may be reasonably required in the ordinary course of business to provide the card issuer with the pertinent information about the loss, theft, or possible unauthorized use of a credit card, regardless of whether any particular officer, employee, or agent of the card issuer does, in fact, receive the information. Notification may be given, at the option of the person giving it, in person, by telephone, or in writing. Notification in writing is considered given at the time of receipt or, whether or not received, at the expiration of the time ordinarily required for transmission, whichever is earlier Examples of unfair practices Here are a few examples of what the FDCPA would consider a prohibited practice used to collect on a debt. Debt collectors are not allowed to : Try to collect charges in addition to the debt unless they are allowed by the contract or law ________________________________ Communicate or attempt to communicate with you in connection with the collection of a debt through a social media platform if the communication or attempt to communicate is viewable by the general public or the persons social media contacts ________________________________ Communicate with you by sending an email that the debt collector knows is provided to you by your employer, unless an exception applies Use any language or symbol on an envelope for correspondence with you that indicates it is a debt collector, other than the debt collectors address or business name that doesnt indicate its in the debt collection business Generally, a closed account with negative history can continue to hurt your credit score for seven years This paid off account should be removed in addition to no information being provided and no attempt to collect debt this hinders me from collecting any other type of credit and hinders my credit from rising due to this unjust unfair treatment being placed on my credit. I feel that this is some type of descrimination in efforts to keep me hindered from recieving credit as this hurts my ability to apply for a car, get new housing in which the creditor agrees that the account was paid on time but they continue to have this on my account as a way to hinder my credit I would like to have this item removed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: WV

Complaint narrative:
The full amunt of the student loan was paid yet the service who collected my money fail to notify my loan provider that the account is fully paid. resulting in my loan provider having no proof that i paid it to XXXX  so they can not close my account. i personally can not afrod to another XXXX dollars when it has been already paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Bank has a policy if you have multiple balance transfers they have a hierarchy for the way a payment is made. First the minimum payment is made, then and overpayment is applied to the highest interest account. In my case I contacted their chat representative who told me to after the minimum payment pay {$4000.00} to pay off my balance # XXXX. This just came due with the high interest. I complied and he took payment. My balance transfer was never paid but the money went to another account or was taken I never authorized the representative to put the money somewhere else. I am not aware it where the money went. On XX/XX/2023 the highest interest rate was my balance # XXXX which was never paid. I contacted Citi at least XXXX times and each time I was told a refund will arrive in XXXX days with their standard line about how multiple accounts are paid. They have lied to me on multiple occassions. They claim that you can download the chat notes. Not true, but I took screen shots of my chat notes. They have lied multiple times which I can show, They give false statements like refund will be made on a specific date. Never happens. Talk to another person they say it is being reviewed by a non-existing department. They refuse to give you a phone number to that department. Talking to multiple supervisors they repeat chat and phone the same story under review or you will receive the refund in XXXX days. I asked for the banks legal number again I was refused. This bank is very poorly run and in my case I think I was defrauded by the Citi chat representative.. At first I thought it was just a mistake, but digging further it was obvious this bank operates on different standards that normal approved banks. All I ask for is a refund of the overpayment that I made, but as I said before all you get is lies, from their departments.. On XXXX occasions they representative disconnected the chat. I was respectful and nice so there was no reason for the disconnect. I can prove by the screen shots that I have. Please help me in the situation. 
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 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX Write up n accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Civil Court matter has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: National Credit Adjusters, LLC
State: MI

Complaint narrative:
On XXXX XXXX. I received XXXX credit alerts from XXXX, XXXX, and XXXX that I took out a loan on XX/XX/2024 for {$1000.00} at XXXX XXXX This debt was was sent to a collection agency XXXX XXXX XXXX. 
I have NEVER taken out a loan to this company, nor do I use Any payday loans. This debt isnt NOT mine. I called XXXX yesterday their office was closed. This is VERY alarming that Check Mart would send information to XXXX without doing their Due-Diligence by making sure all Information was correct. Both companies have VIOLATED the Truth In Lending Act, And please explain how a 3rd Party collection agency can report to the Credit Bureau. Consumers has 30 days to dispute the debt and be provided proof that the debt is valid.. 

That CLEARLY didnt happen! That is Clear Violation of FDCPA, and FRCA Especially when you have the WRONG person, and affecting someone Credit Score. To add insult to injury Im going through a background check for a higher job Clearance. This could totally DERAIL my ability to get that position. So I have to XXXX my Time to get this all straightened out. And let my employer know. Because Both of these companies have been negligent. If this details my career in Anyway I will be seeking legal advice in terms of a Civil suit. Im trusting this matter will be handled expeditiously!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
RE : CONDITIONAL ACCEPTANCE FOR VALUE FOR PROOF OF CLAIM UPON XXXX XXXX XXXX XXXX CONTRACT, FOR DETERMINATION OF 'MEETING OF THE MINDS, ' 'FRAUD ON THE CONTRACT, ' AND OR AN 'UNCONSCIONABLE CONTRACT ' AND/OR AGREEMENT FOR COMMERCIAL DISCHARGE, Account/Case No. XXXX, AND XXXX This correspondence was sent via U.S.P.S priority mail, and received on XX/XX/XXXX  at XXXX XXXX XXXX XXXX, FL XXXX with provided Phone Number ( XXXX ) XXXX - XXXX XXXX XXXX as the executive director, nor any authorized representative for XXXX XXXX XXXX XXXX XXXX has responded to the claim in the time provided in accordance to law. This has been disputed with all three credit bureaus, XXXX, XXXX, and Equifax to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: T.S. Holdings
State: GA

Complaint narrative:
Account name IQ DATA INTERNATIONAL Account number XXXX Date opened XX/XX/2023 Status Collection account. 
{$15.00}, XXXX past due as of XX/XX/2023. 

Status updated XX/XX/2023 Balance {$16000.00} Balance updated XX/XX/2023 Recent payment - Monthly payment - Original balance {$15000.00} The inaccurate information above was never verified to be in line with official reporting standards. The information above was never confirmed to be accurate, complete, timely, or valid. You must provide proof of compliance with reporting standards and applicable consumer laws. The information above is insufficient. I demand that inaccurate, incomplete, and unverified information be removed immediately!

Company response to consumer: Closed with explanation