milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 01/21/2018 about Debt collection (Medical debt) with AR Resources, Inc. (VA).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: the company is called Ar Resources, and they have reported 3 separate accounts to all 3 credit agencies. the first was reported XXXX XXXX, XXXX for {$680.00}. The second was reported XXXX XXXX, XXXX for {$1400.00}, and the third was input XXXX XXXX, XXXX for {$710.00}. I have demanded that they send me proof with my signature that i opened these accounts, as per section 609 of the fair credit reporting act, but they have yet to do so. These need to be deleted from XXXX, XXXX and XXXX immediately since the company failed to provide me with signed proof that these are my accounts

Company response to consumer: Closed with explanation
Consumer complaint received 04-07-2017 about Bank account or service (Checking account) with BANK OF AMERICA, NATIONAL ASSOCIATION (FL).
Issue: Account opening, closing, or management

Complaint: Bank of America committs felony and owes me XXXX XXXX dollars, using a fictitious name, my name is XXXX, not & gt ; XXXX, which identifies something not living, This legal notice being sent and delivered to you persuant to Florida Statutes 48.081 NOTICE! The use of fictitious names or addresses ( ALL CAPITAL LETTERS XXXX in a private individual 's name, or a ZIP CODE, against the individual 's wishes, is a crime under Title 39 U.S.C. Section 3003, Title 18 U.S.C. 1302, 1341, 1342., and is punishable by up to 15 years imprisonment and {>= $1,000,000} fine. 

GLOSSA meaning ; written by supreme court judge XXXX, 3. There are two reference books called similar names ( sound familiar? ) -- - One is the XXXX, a popular style guide used widely by newspapers and other publications to provide uniform guidelines and standards for reporters and other writers ; it is a large reference book similar to a dictionary or thesaurus. The other is The XXXX, with an " s '' which is a much smaller and more limited publication the size of a larger format paperback book, that deals with the subject of " styles '' or " stiles '' ( British ) exclusively. The most recent edition I can find is 1948, though there may be more recent editions. 
Both of these publications adequately explain what the Glossa is, as does Black 's Law Dictionary. The earlier versions of the American Bar Association guides to legal style and usage also plainly state that the use of all capital letters denotes either a corporation or a dead man 's estate. 

also by judge XXXX ; XXXX = a living American endowed with all his natural rights XXXX XXXX a foreign situs trust used in commercial shipping XXXX = a foreign estate trust XXXX XXXX a public transmitting utility company XXXX XXXX a public foundation XXXX XXXX a cooperative XXXX = a boat or ship used in public commerce XXXX = a commonwealth trust XXXX = a slave owned by XXXX XXXX = a foreign pauper forbidden to own land XXXX = a taxpayer XXXX = a soldier XXXX = a slave There are dozens of different potential meanings that can be arbitrarily assigned to anyone 's name and used to " represent '' radically different entities. In a verbal conversation we can talk all day long about someone or something named " XXXX '' and which XXXX or what kind of XXXX will never be known, except from the context of the conversation -- but on paper the use of such a system instantly defines what or whom is being talked about -- if you know the system

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 02-08-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 've been trying to lower my payments, but Navient has made it impossible. Basically telling me that my only choice is either forbearance or the graduate level option. Navient refuses to help.

Company response to consumer: Closed with explanation
Consumer complaint received 03-03-2016 about Credit reporting () with Experian Information Solutions Inc. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: XXXX XXXX was paid as agreed, settled in full. not paid for less than as being reported. need validated. date opened is wrong. lots of things wrong on the 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 02/23/2017 about Mortgage (Other mortgage) with WELLS FARGO & COMPANY (OR).
Issue: Loan modification,collection,foreclosure

Complaint: We have been trying to obtain a loan modification from Wells Fargo. We have a previous complaint number on this case ( XXXX ). We were told to contact the bank today on XX/XX/2017 as the investigation would be complete. We contacted the Executive Resolutions Specialist today. He informed me they have extended the investigation to the XX/XX/2017 which is the scheduled sale date of our home. He informed me he would contact me on XX/XX/XXXX and that he could not and would not stop the sale of our home. His name is XXXX XXXX at Wells Fargo Executive Resolution Center in Iowa. They are performing dual tracking, misrepresentation and fraud. We are begging for help in this matter.

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 02/22/2017 about Debt collection (Federal student loan) with ConServe (LA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint: Hey my name is XXXX XXXX, I just found out that I have an student loan in my name.I have n't even finish high school to get in college but I see you have to have an high school diploma to get in college.I went to XXXX XXXX High School in XXXX in XXXX but I droped out in XXXX.I let someone do my taxes one year and this is where it gotten me.Conserve took my income taxes from something I didnt knw anything about.My mothers name is XXXX XXXX XXXX /XXXX.I never stayed at XXXX XXXX my mother never stayed at XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2016 about Bank account or service (Checking account) with CITIBANK, N.A. (MO).
Issue: Account opening, closing, or management

Complaint: In XXXX of this year, I opened a Citigold checking account using the promotion code XXXX. The promotion awarded XXXX Aadvantage miles upon completing {$1000.00} in debit purchases and one or more qualifying bill pays in two consecutive months within 60 days of account opening. A copy of the terms and conditions outlining the requirements and bonus is attached. 

I completed the requirements on XXXX XXXX, 2016 and sent a message via Citi 's online secure message system to confirm I met the requirements and will receive the miles. On XXXX XXXX, 2016 Citi responded saying I was enrolled in the promotion, met the requirements, and will receive the miles within 90 days ( by XXXX XXXX, 2016. ) A copy of Citi 's response is attached. 

On XXXX XXXX, 2016, I messaged Citi again to confirm the miles would be awarded by XXXX XXXX, 2016. They responded by refusing to award the miles as described in the terms and conditions despite previously confirming that I am eligible and will receive the bonus. The terms and conditions state I would receive the miles within 90 days ( which would be XXXX XXXX, 2016 ) and Citi confirmed I qualified for the promotion, but the miles still have not been awarded. I feel misled by Citi and believe they are not holding up their end of the terms and conditions of the account I opened.

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 02/19/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I '' m a victim of fraud and I have a file with the Federal Trade Commission. While preparing to check my credit for incorrect information, I have noticed there are six inquires that I have no knowledge of nor do I have or ever had any accounts opened with the companies, please will you help me in solving these issues? 

1.XXXX ... .XXXX XXXX XXXX 4.XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 2.XXXX .... 5. XXXX XXXX ....

inquiry date : XX/XX/XXXX inquiry date : XX/XX/XXXX 3.XXXX .... 6. XXXX XXXX ...

inquiry date : XX/XX/XXXX inquiry date : 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 non-monetary relief
Consumer complaint received 09-05-2017 about Debt collection (Credit card debt) with ENCORE CAPITAL GROUP INC. (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XX/XX/XXXX I pulled a copy of my credit report and discovered that Midland funding was showing that I owed them {$840.00} after investigating my reports I found that they were a collection company and that they alleged I had a dept. with XXXX XXXX. 

I sent Midland Funding several letters asking for them to send me verification of this debt such as a contract I signed with Midland funding or any other documentation bearing my signature, Showing that I owed any debt. 

I sent them a letter dated XX/XX/XXXX, they signed for it on XX/XX/XXXX, They did send response to my letter with a letter telling me that the information was correct. they sent me a print out of a computer generated bill. ( I have attached all correspondence this complaint to the complaint. ) I sent them letter # 2 onXX/XX/XXXX They signed for it on XX/XX/XXXX, again they just sent me a response that just says that they confirmed the information is correct. and no proof of the debt or that I would owe midland funding anything. 
I sent letter # 3 dated on XX/XX/XXXX It was signed for on XX/XX/XXXX - They never sent a response back, they have ignored all my request for verification. 

Furthermore they failed to mark my Credit Reports as being Disputed within the 30 days from when they signed for the first letter I sent. They have never marked any of my credit reports as being disputed. I, in-fact contacted the credit bureaus and had them add a dispute statement to Midland Funding.
I have also been getting contacted by people in my area that Midland Funding is calling them  looking for me. One of them is my Niece who was quite confused because they told her a last name that I never had, they gave her an address she lives at that I have never lived at and told her how much the debt was and accused her of lying and told her they knew she was me on the phone, they threatened her and told her they were going to take her to court and sue her. They had her very scared, so she contacted me, she also stated that they have been calling her number several times a day. 
This account is not mine, I contacted the Original Alleged Creditor via the information that Midland funding provided and they stated that I DO NOT OWE them anything. I DO NOT have any contract with Midland Funding and Midland funding has not been able to provide any " Verification '' that I even ever owed this debt nor that I owe Midland funding anything.
I Would like this problem to be taken care of. I feel that I have done everything I can by sending Midland funding request for verification and I feel like they have had more than enough time to comply. They have violated several laws. This is not my debt and they have failed to provide any proof of the debt, I do not have any contract with them where I own them any money, They are reporting on my credit reports and they are calling and threatening people who are not involved in any of this.

Company response to consumer: Closed with explanation
Consumer complaint received 02/23/2017 about Consumer Loan (Installment loan) with ONEMAIN FINANCIAL HOLDINGS, LLC. (MN).
Issue: Managing the loan or lease

Complaint: Accidentally paid off loan twice I thought. One main financial would n't talk to me for a year and a half until i had the XXXX Attorney generals office contact them. They finally contacted me after they contacted them regarding this matter. In talking to them and verifying payment. I found they received the certified check and cashed it. But they did not receive or cash the check from Home title company. So now One Main Financial has not reported to the local county that the loan was satisfied or the credit bureau. Also Home title will not release the funds until One Main Financial does so. So the title company have held onto my money for almost two years now without notifying me and no indication of when they will release it even though i provided proof that the loan had been paid in the form of a certified check. Also One Main Financial has not provided proof to the title company, the county that the house was sold, or the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2016 about Mortgage (Conventional fixed mortgage) with Shellpoint Partners, LLC (CA).
Issue: Loan servicing, payments, escrow account

Complaint: Our Chapter XXXX closed XX/XX/XXXX. Shellpoint did have our records correctly reported. All of a sudden XX/XX/XXXX we can not access our home loan records on line ( or through their regular Customer Service ) because we are now back in Bankruptcy according to Shellpoint 's records. Our file has been sent to their Bankruptcy department. We can not get a statement. We can not access our loan online. And most importantly we can not get a response from the Bankruptcy department. We have made several calls to Shellpoint 's customer service and then been transferred to the Bankruptcy department. There are no live people to talk to. You must leave a message and someone is supposed to contact you within 24 business hours. We have an email and a phone but no one 'gets back to us '.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 01-03-2018 about Debt collection (Other debt) with BANK OF AMERICA, NATIONAL ASSOCIATION (PA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: The creditor is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX collecting for Bank of America. They are reporting negatively on my credit report and I have sent them several validation of debt request letters requesting them to furnish signed documentation as a validation of the debt and they have not done so.

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 05-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with BANK OF AMERICA, NATIONAL ASSOCIATION (NC).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: I had an account wit h Bank of American  that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the FCR A 623 ( a ) ( 5 ), this  account should be removed from my credit report. It has been re-aged by the Bank of America to reflect a different date of default. The account has been aged mo re than seven years fro m the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with   XXXX   XXXX   XXXX    whom  has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquenc y (   XXXX   XXXX  ) and the date of first delinquency reported  (   XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.

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 04-04-2017 about Debt collection (Credit card) with BARCLAYS BANK DELAWARE (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I had placed and order online with XXXX I used XXXX to pay to the purchasers I made. Now some items I received some items I returned and some items I did not receive period. I called XXXX went back and forth for about 8 months to get my refunds which until this day I 'm still being charged for by my credit card company after figuring out XXXX is stating they refunded me but not showing on statement I contacted my credit card company which is Barcalay 's filed disputes and it 's been a year and still I ca n't get them to take care of it and I 'm still being charged and I 'm still paying my monthly payments so wrong and unfair for stuff I did not even receive or returned and continue to have to pay..

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 07/26/2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (CA).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: I have several Student Loans. I consolidated and then other companies purchased the Student Loans and the incorrect balances carried over from XXXX to XXXX to XXXX XXXX and now Navient. I made a payment of {$25000.00} in 2007 and now this payment does not show it was a credit to my Student Loan. Either the Balance was not credited or the new Student Loan company carried over the incorrect balance.

Company response to consumer: Closed with explanation
Consumer complaint received 04-11-2017 about Credit reporting () with Experian Information Solutions Inc. (CO).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: After being on phone with Experian, verifying an account they said ( I do not have ) but do!! Membership ID # XXXX and my account opens a window with my name but they said you have account but NO INFO!!? Insane!! at XXXX years old and an XXXX holder for 20 years with Platinum status, with XXXX other major credit cards, Experian says I have NO REPORT!! Then says there 's a freeze on account I 'm not aware of!!?? This insane Company holds me hostage! with False reports and saying I have No account but that its FROZEN!?? I want legal damages and criminal report filed against EXPERIAN! for Hostage on Financial info it says it does n't have and I can not move forward in my Mortgage process. CORRUPTION!!!

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 12/17/2015 about Credit reporting () with Experian Information Solutions Inc. (VA).
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint: What you are doing Experian is against the law, a federal crime. As a citizen of the United States Of America, it is my RIGHT under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. That is not my option, that is my RIGHT and Experian, you 're still violating that RIGHT of mine under the FCRA by still reporting a student loan over 10 years old ( from the original delinquency date ) on my credit report that is negatively impacting my credit score and the decisions of lenders. In most cases, a consumer reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old. In my case, Experian you are reporting XXXX XXXX XXXX student loans that are more than 10 years old ( from the original delinquency date ) and these accounts are negatively impacting my credit score and decisions of lenders, including the REMARKS IN THE ACOUNTS. 

These are my 2 requests : ( 1 ) Remove XXXX XXXX XXXX student loans from my credit report now ( 2 ) Provide me, in writing, with the ORIGINAL DELINQUENCY DATE of XXXX XXXX XXXX XXXX loan accounts ; send the ORIGINAL DELINQUENCY DATES to either my email address on file with ConsumerFinanceGroup.gov or my mailing address on file with ConsumerFinanceGroup.gov or through an electronic online file at your website that I can access. That information is not my right, but if it has been less than 10 years from the original delinquency date, I will withdraw my requests. Those dates are imperative and I know it has been longer than 10 years, but I need it in writing. 


Thank you Experian for hearing my complaint and I know you will respect my right under the Fair Credit Reporting Act ( FCRA ) for consumer agencies NOT to report outdated negative information on me in my credit report. The Fair Credit Reporting Act ( FCRA ) is a federal law that regulates how consumer reporting agencies use your information. Please stop violating that law. Please meet my XXXX requests quickly. Again, thank you Experian

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 04/17/2017 about Mortgage (Conventional fixed mortgage) with FIRST NATIONAL BANK OF PENNSYLVANIA (PA).
Issue: Loan servicing, payments, escrow account

Complaint: Failed to pay property taxes after 5 phone calls to bank. They denied they did anything wrong and told me to dismiss delinquent notices due to the fact they paid the taxes. However they never sent me proof that they were paid. I pay my taxes in my mortgage and today received a certifed letter of delinquency.

Company response to consumer: Closed with monetary relief