vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST asking to remove the accounts XXXX ( XXXX ) listed below that remain on my credit report in violation of 15 U.S.C. ss 1681.

Reporting inaccurate and unsubstantiated information to a  credit reporting agency may constitute fraud under federal law. The information that AR Resouces Inc claimed to have forward on XX/XX/18 CFPB complaint # : XXXX has never been received via mail or using CFPB. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed accounts which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information  which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( XXXX XXXX XXXX XXXX  ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

I do not have a signed contract nor any contract with AR RESOURCES INC. I have never done business with this company. I am not liable for collection from this debt from AR RESOURCES INC. I am not responsible for this debt with AR RESOURCES INC. Also per the State of Florida XXXX XXXX XXXX XXXX XXXX must be licensed and bonded in the state of Florida to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Public record information inaccurate
Company: MIDCOUNTRY FINANCIAL CORP
State: KY

Complaint narrative:
This loan was opened XX/XX/XXXX This account was included in a bankruptcy chapter XXXX filed XX/XX/XXXX case number XXXX This company Refuses to State and list on my credit report that it was is included in a bankruptcy It also Continues to list as a past due account till XX/XX/XXXX they also refuse to provide a date that this item will be removed from 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 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I am a victim of identity theft yet your company MIDLAND FUNDING has inserted a negative mark onto my credit file without first notifying me to give me my right to dispute and request validation. The account MIDLAND FUNDING collections in the amount of {$830.00} do not belong to me and are in fact a result of identity theft. The account was assigned dated XX/XX/19. What contract bearing my signature do you have that legally ties me to this account? There couldn't possibly be one due to the fact that I have never had any obligation to pay you or the company you represent. OnCe again this account is a direct result of identity theft and it is hereby disputed. Please remove this from my credit file immediately. It also states this is a COLLECTION FOR A CREDIT CARD and I have not ever given your company or any other company authorization to OPEN ANY CREDIT IN MY NAME. I did not open or authorize this account, and I request that it be closed immediately. Please send me written confirmation that I am not responsible for charges on this account, and take appropriate steps to remove information about this account from my credit files. 
I have enclosed a copy of my FTC Identity Theft Report. Because the information you are reporting is the result of identity theft, and inaccurate, I request that you stop reporting this information to the CRAs, as directed by section 623 ( a ) ( 1 ) ( B ) of the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( B ). I ask that you take these steps as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 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: FORD MOTOR CREDIT CO.
State: MN

Complaint narrative:
Ford Credit previously agreed to remove a single missed payment from the consumers credit report. 

Supported documentation of agreement is attached. 

Stated persons credit report displayed/updated, with all 3 credit reporting agencies, in accordance to reflect documented agreement between the individual and Ford Credit. However, Ford Credit has  defaulted to reporting the missed payment. All 3 credit bureaus are, again, reporting a 30-59 day missed payment XX/XX/2018. This in return has compromised consumers credit score. 

Consumer has sent concerned complaint to Ford as well as to all 3 bureaus without resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
Synchrony Bank sold my account XXXX to a collection agency, who stated that they would reach out to lender to confirm agreement to pay and update account. 

The agreement was to pay {$350.00} which would settle account and would deem account balance settled in full. It has been my understanding with discussions with the collection agency that this was a " pay for delete '' although I never received confirmation.

This amount has been paid, as agreed.

The credit card company bank Synchrony, continues to report a " past due '' balance of {$100.00} in addition to collection/charge off status. Both of these descriptions are an unfair business practice intended only to undermine my credit rating. ( the company and/or collection agency initiates settlement ; I agree, they collect settlement but continue to report inaccurate information even though they have received {$350.00} as " payment in full. '' The credit agency states that Synchrony must update my credit file, Synchrony sends me back to the credit agency stating that at some point they will send payment confirmation and update my file.

Both, Synchrony Bank and the credit agency appear to participate in a joint unfair practice towards me, which involves ( a ) collecting legitimate debt the original lender is owed ( b ) abandoning any and call meaningful contact that would result in anything near-positive that reflects an update on the account and my credit file.

This complaint does not dispute the debt owed. However, it appears that the lender 's practice is malicious and unfair. They appear to be taking advantage, while purposely not reporting accurate information on this particular account, which has been resolved.

Synchrony Bank does not care, and has displayed an utter inconsideration towards customers who have made efforts to resolve their debt with them amicably ; they have sold debt to collection agencies at a discount, benefitting from writing off the debt " as losses ''. Furthermore, they have reported my debt in this case and others as still old, derogatory and anything that would resemble an effort on my part to demonstrate a reasonable resolution.

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 2019-03-30 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: TX

Complaint narrative:
I HAVE CONTACTED EXPERIAN AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE FRAUDULENT AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING THESE ACCOUNTS TO BE OPENED. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY NEGATIVE FRAUDULENT COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed. 
XXXX XXXX IN THE AMOUNT OF {$830.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY. 

XXXX XXXX IN THE AMOUNT OF {$300.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY

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 2019-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Dating back in XXXX I decided to due an Kohls credit card in which I was approved for {$300.00} dollars in credit.before XXXX I had paid off the credit card in was in good standards so I was thinking I would automatically get an increase after going into my Kohls account I notice the credit was still {$300.00} so I called Kohls and asked for an increase in which they went into my credit score and knowing I didn't owe them nothing I was denied an increase.so again I said let me go ahead and used the second {$300.00} Kohls credit in XXXX in which I paid it off a second time.so know I was thinking I should be giving an increase by now.so now it's XXXX I go to asked for a 3rd increase after trying to purchase some items on Kohls .com when I check my Kohls charge it was only {$300.00} in credit again for the 3rd time.but every body else I knew kelp telling me that there Kohls charge had received an increase over 3 times.so I called Kohls an again I was denied an increase its now XXXX and I'm all most finish paying my Kohls charge card off for the 3rd time and through out all 3 times I was denied an increase when I warned Kohls that I was going to get an complaint against me they said nothing but I'm sorry and good luck..I never felt so discriminated against.when it comes done to these credit cards thinking they can get away with charging me late fees interest rate fees every month but as long as I pay my Kohls charge card I'm not good enough for an increase.but I'm told good luck on putting in my complaint..its XXXX I've still feel I'm owed for the 3 credit card increase because I did keep my promise to pay Kohls back all 3 times but Kohls didn't keep there standards in policy in place when it came to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Nelnet, Inc.
State: VA

Complaint narrative:
Graduated from XXXX University in XXXX. I couldn't get a job paying the {$700.00} a month payments they require. I went into forbearance for years. I've worked 2-3 jobs the whole time. I was put into collections even though I was told {$0.00} a month based on my income. I was then put on a {$5.00} a month plan. I had to stay current for 9 months to get out of collections. I've been out of collections a while now. They are showing on my credit report as open but up to date. I am trying to buy a home as I can not afford rent. My credit is good besides these loans showing on my account. I was told by Nelnet and my loan person to file a complaint today XX/XX/XXXX. I am paying as much as I can towards my loans after the bills are paid. I'm living in a tiny apartment with XXXX children of the opposite XXXX in the same room. I have to move. Buying is cheaper than renting. For my rent price, we can all have or own rooms. I am about to move out and increase my rent by {$200.00} dollars. That means we eat less. I make to much money for assistance with food. I'm trying my hardest to settle down and make higher payments to the loan company but I'm going to be pushed right back into collections over this being on my credit. I have already gotten a better job. I'm still working 2 jobs. I'm slowly moving up in the world. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I HAVE CONTACTED XXXX  AND ASK THAT YOU REMOVE NEGATIVE ACCOUNTS THAT ARE A RESULT OF IDENTITY THEFT. YOU CLAIM TO HAVE VERIFIED THE ACCOUNTS HOWEVER HOW HAVE YOU VERIFIED THEM AND THE COMPANY CANT EVEN VERIFY THESE ACCOUNTS WITH ME. THESE ACCOUNTS ARE FRAUDULENT AND I HAVE NOT SIGNED ANY DOCUMENTATION AUTHORIZING THESE ACCOUNTS TO BE OPENED. I HAVE NEVER HAD ANY OBLIGATIONS TO PAY ANY NEGATIVE FRAUDULENT COMPANY THAT YOU ARE CONTINUING TO REPORT ON MY CREDIT FILE. I will be forced to pursue legal action if these accounts are not removed. 
XXXX XXXX IN THE AMOUNT OF {$830.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY. 

RECEIVABLE PERFORMANCE IN THE AMOUNT OF {$300.00} ACCT NUMBER XXXX PLEASE REMOVE IMMEDIATELY

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: TX

Complaint narrative:
I have contact Transunion and have informed you that I am a victim of identity theft and that XXXX XXXX in the amount of {$300.00} account # XXXX is a result of identity theft. YET YOU STILL CONTINUE TO REPORT THIS FRAUDULENT ACCOUNT. IF THIS ACCOUNT IS NOT REMOVED I WILL BE FORCED TO SUE TRANSUNION. How could this company verify this account with you when they can't verify it with me. They have nonbonding legal contract and I have never dealt with this company before.

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 2019-03-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: NH

Complaint narrative:
I have received over 330 calls from XXXX  XXXX  since I started keeping a log in XX/XX/2018 ( see attachment ). I have never done business with XXXX. I do not owe them any money. They are apparently trying to locate someone that I am not acquainted with ( one XXXX XXXX? ). Since they are trying to locate someone other than me I have not responded to them. 

OVER 330 CALL SINCE XX/XX/2018!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I do not have a signed contract nor any contract with XXXX XXXX. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt with XXXX XXXX XXXX. Also per State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. 

The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint will be sent to you by certified mail with proof of delivery and also become part of a formal complaint to the XXXX  XXXX   XXXX. This will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
XXXX, MI XXXX I NEED TO SEND DOCUMENTS IN TO HAVE MY 3 ACCOUNTS OPENED. 1 CREDIT CARD, 2, 2 OVERDRAFT LINES. 
CALLED and left two messages for XXXX XXXX at XXXX ext XXXX. 


XXXX XXXX XX/XX/2019 XXXX XXXX XXXX. XXXX XXXX, MI. XXXX Office of the Vice President, XXXX XXXX XXXX VIA : Consumer Financial Protection Bureau Application IDs : XXXX and XXXX To a materially interested party, I am requesting Applications ID : XXXX and XXXX to be pushed through. I have no derogatory information in my file with XXXX, XXXX nor XXXX. As of XX/XX/2019 I have a FICO of XXXX with XXXX. I hope we can come to a peaceful resolution against your party without future complaints and if required potential litigation and change of venue if your party requests for my simple two checking accounts with a {$500.00} overdraft protection limit on each and minuscule credit card line.

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 2019-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: FL

Complaint narrative:
Please be advised this is my THIRD WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. 

Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. The information that COMMONWEALTH FINANCIAL claimed to have forwarded this account to be deleted from my credit report on XX/XX/17 CFPB complaint # : XXXX has never been removed from my credit report. You have ignored my request to provide me with the documents that you have in your files that you used to validate the disputed account which means that you have NOT validated or you can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- you are required to " promptly DELETE information which you can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. 

A copy of this complaint as well as copies of the three previously written letters sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA.

Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-30 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: PA

Complaint narrative:
XXXX XXXX  sold my account XXXX to a collection agency, who stated that they would reach out to lender to confirm agreement to pay and update account. 

The agreement was to pay {$350.00} which would settle account and would deem account balance settled in full. It has been my understanding with discussions with the collection agency that this was a " pay for delete '' although I never received confirmation. 

This amount has been paid, as agreed. 

The credit card company bank XXXX, continues to report a " past due '' balance of {$100.00} in addition to collection/charge off status. Both of these descriptions are an unfair business practice intended only to undermine my credit rating. ( the company and/or collection agency initiates settlement ; I agree, they collect settlement but continue to report inaccurate information even though they have received {$350.00} as " payment in full. '' The credit agency states that XXXX must update my credit file, XXXX sends me back to the credit agency stating that at some point they will send payment confirmation and update my file. 

Both, XXXX XXXX and the credit agency appear to participate in a joint unfair practice towards me, which involves ( a ) collecting legitimate debt the original lender is owed ( b ) abandoning any and call meaningful contact that would result in anything near-positive that reflects an update on the account and my credit file. 

This complaint does not dispute the debt owed. However, it appears that the lender 's practice is malicious and unfair. They appear to be taking advantage, while purposely not reporting accurate information on this particular account, which has been resolved. 

XXXX XXXX  does not care, and has displayed an utter inconsideration towards customers who have made efforts to resolve their debt with them amicably ; they have sold debt to collection agencies at a discount, benefitting from writing off the debt " as losses ''. Furthermore, they have reported my debt in this case and others as still old, derogatory and anything that would resemble an effort on my part to demonstrate a reasonable resolution.

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