milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 10-01-2015 about Debt collection (I do not know) with Dynamic Recovery Solutions, LLC (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by DYNAMIC RECOVER SOLUTIONS, XXXX XXXX XXXX, XXXX SC XXXX, on XX/XX/XXXX, on my XXXX Credit Report are unauthorized and must be removed. The Credit reporting is inaccurate, incomplete and unauthorized. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me. 

Demand to Remove Unauthorized InquiriesMy review of a recent XXXX credit report indicates that items, from XX/XX/XXXX, up through and including XX/XX/XXXX, stated above, constitute unauthorized and unlawfully accessed information in violation of state and federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 11/20/2015 about Credit card () with SYNCHRONY FINANCIAL (WI).
Issue: Other

Complaint: I received a credit card that had XXXX listed as a benefit. I was told no such benefit exist when I tried to make a claim after a loss on a rental car.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: I contacted Equifax in reference to several accounts that are appearing in my credit file that contain inaccurate information. The following accounts are remaining on my credit about even after I disputed it on several occasions, XXXX,XX/XX/XXXX and XXXX. I have supply my I did it though affidavit along with my identification and a police report and B 's in accurate items remain on my credit report. Items have been delete it from the other two agencies. The accounts are : ( Collections ) XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX was removed but put back on my credit report. ( Inquiries ) XXXX on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 08-09-2016 about Mortgage (Conventional fixed mortgage) with RoundPoint Mortgage Servicing Corporation (TX).
Issue: Loan servicing, payments, escrow account

Complaint: I had a hail claim in which I had to mail the check to get a signature from Roundpoint Morgage, I sent by priority mail on XXXX/XXXX/16. After a week I called Roundpoint and they told me that they needed more information. They did not call me, I had to call them to find out that they needed more information endorse the check. I gave Roundpoint authorization to speak to both XXXX XXXX and XXXX. On XXXX XXXX, they told me again that they neede/d more information. However I have been told by XXXX and XXXX that Roundpoin/t refused to speak with either company. I got Roundpoint on the phone with XXXX on XXXX/XXXX/16 and information was sent to Roundpoint. They said they would mail the check for {$10000.00}. I asked them to overnight the check and the representative said he spoke with his supervisor and said they would. On XXXX/XXXX/16 I called because no check came in. Roundpoint had no record of the conversation we had the day before! I have asked them by what authority do they have to even hold such a check up and they have refused to provide me with any documentation to such an agreement. At this point I have an upset roofer who is threatening me with late charges and a mortgage company who does who refuses to speak with the XXXX or XXXX, even though I have given them the phone number of my agent at XXXX, then can not even find the record where I had XXXX on the phone, all Information they requested was sent to them and they promised to overnight the check! In short, Roundpoint is incompetent. Mortgage property address is XXXX XXXX not my mailing address.

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 07-08-2016 about Debt collection (I do not know) with TENET HEALTHCARE CORPORATION (GA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent multiple letters and Fraud Affidavits to Central Financial Control to dispute the account that they are reporting on my credit file. To date, this matter has not been rectified. This account do not belong to me and I will like for it to be remove from my credit file. Please assist in the matter of getting this account remove from my credit file.

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 08/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: The negative reporting on my account involves XXXX XXXX XXXX XXXX and a Collection Agency XXXX which continue to report inaccurate information to all three repositories. Furthermore, they have all received letters of disputes, however, continue to report these inaccuracies to all three credit bureaus. 

The car purchased was paid in full with the terms of the contract, in addition, a overage was paid to the dealership. I was tricked by the dealership who then sold the car again and then demanded a bogus amount above and beyond the contract : See attached.

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 07/18/2016 about Mortgage (VA mortgage) with FREEDOM MORTGAGE COMPANY (ID).
Issue: Loan servicing, payments, escrow account

Complaint: Freedom Mortgage purchased my loan. They do not abide by the terms originally set in my loan nor do they acknowledge that this is a federal requirement, to include the payment due date. 

When converting to Freedom Mortgage from New Day USA I did not receive federally mandated written notification on where to pay Freedom Mortgage. Their conversion to allow me online access took eight weeks. I called them prior to deploying as the conversion was taking place as I was stepping on the plane overseas and expressed my concern that I was not able to log in, nor did I have documentation on where my mortgage payment was to be sent. 

Eight weeks into the XXXX my neighbor emailed me stating that I had a foreclosure notice on my door - with literally no way to pay my mortgage as it was lost in cyberspace of converting it over to a Freedom Mortgage loan. Freedom Mortgage charged me {$15.00} for placing the foreclosure notice and doing a " home inspection '' to see the status of the property. I advised them that not only was I attempting to be proactive in paying my mortgage, they were in violation of Service members Civil Relief Act by attempting to foreclose on me while XXXX. 

This is, hands down, the worst mortgage servicing company I have ever dealt with. They are in violation of several federal mandates and SCRA protections with ZERO accountability.

Company response to consumer: Closed with explanation
Consumer complaint received 10-05-2016 about Consumer Loan (Vehicle loan) with CREDIT ACCEPTANCE CORPORATION (VA).
Issue: Problems when you are unable to pay

Complaint: First ; this bill has been on my credit report since XXXX. I would like to have it deleted from my credit report. Note previous credit report listing this account. 

Second ; as a resolution, I voluntarily returned the vehicle and requested and outstanding balance and detailed breakdown of costs ( profit/loss ), after the vehicle had been auctioned or resold. I requested this information XXXX. I received no response and the bill still remains at the same balance of {$3700.00}. A few years ago, they attempted to garnish my wages.

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 10/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint: I am attaching a letter my wife and I sent to Equifax on XX/XX/XXXX, asking them to investigate errors on our credit report. My wife has received a response to the letter regarding her accounts, but I have not received any response yet. More than 30 days have past, and they are supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 04/24/2016 about Credit reporting () with Experian Information Solutions Inc. (MD).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: On XXXX XXXX, 2016 I began an online dispute with Experian regarding a collection agency by the name of XXXX XXXX. I have no idea who this company is, and I have NEVER done business with this company. I disputed online with Experian, and sent a letter to XXXX XXXX requesting to have the debt validated, and I requested this company cease all acts of collections until the debt was validated. On XXXX XXXX this same company continued to report negative information to Experian. I called Experian about this, and I was told that creditors are allowed to continue to report negative information during a dispute, and that Experian is a 3rd party and only asks for verification of a debt, and they do not perform thorough investigations of a dispute because they are a third party. On XXXX XXXX, 2016, I received the results of my dispute, and Experian stated that this debt " remains '' on my report. 
I am dissatisfied with this result because I have not received validation of debt from this company, and I have no agreements/contracts with this company. I feel that I did not receive a fair or adequate investigation because I was told over the phone by an Experian agent that they do not perform thorough investigations, they simply reach out to the company and verify that I owe the debt. I am not happy that I was told that creditors are allowed to continue to report negative information on my report in the middle of a dispute, which usually requires up to 30 days for a thorough investigation. I will repeat the disputing process in hopes that I find out who this company is and how much they say I owe and what for, but I am disappointed that Experian has not and accordingly can not perform a thorough investigation of the negative information on my report, and would continue to allow XXXX XXXX to report information right in the middle of a dispute, even before the results were found.

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 08/15/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (IL).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint: I sent final request on XXXX documents that they have in my files as of this date that you used to verify the accuracy of the accounts listed below. Im XXXX Veteran who suffer from XXXX I lost a was denied for a house because they woulnt remove this item in my credit report or correct them. Item ( A ) information mislead incorrect ITEM ( B ) showing information as derogatory Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or be removed 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 09/17/2016 about Mortgage (Conventional adjustable mortgage (ARM)) with SELECT PORTFOLIO SERVICING, INC. (LA).
Issue: Loan modification,collection,foreclosure

Complaint: my hunsband got laid off from his job that he bend have for XXXX something years.we had to let our car go back .son had to come back from collage.we coundnot afford my house payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/21/2017 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint: I 've submitted my request for my free annual credit report online, but I was denied it by the  XXXX  agencies. So I 've gotten in contact with them and I have submitted the paperwork they 've asked for and I 've received my free report from  XXXX  and  XXXX . But for some reason I have n't gotten it from TransUnion. I have filled out the form they 've given me at least  two t o three times when they kept requesting for more documentation. The last form I submitted to them, I 've given them the paperwork exactly as they informed me to do. It 's been almost a month now and no credit report yet from TransUion. I would appreciate it if someone could contact them to see why.

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 03/15/2017 about Mortgage (Conventional fixed mortgage) with Ditech Financial LLC (MO).
Issue: Loan servicing, payments, escrow account

Complaint: I accidentally made a partial payment of {$410.00} on XX/XX/2017 that was supposed to be applied for XX/XX/2017 mortgage. My typical mortgage amount is $ XXXX/month so I still owed {$380.00} for XXXX. When I was notified that I made this error, I immediately made the payment of {$380.00} on XX/XX/2017 to satisfy the remainder of XXXX 's mortgage. However, the mortgage company applied the {$380.00} to XXXX. I made a payment of {$810.00} on XX/XX/2017 for XXXX 's mortgage and the lender applied this amount to XXXX. Therefore, they have the {$380.00} on " hold '' and are showing we still owe a full balance of {$800.00} for XXXX. I initially called on XXXX/XXXX/17 ( spoke to XXXX ) and they assured me that the {$380.00} would be re-allocated to satisfy XXXX 's payment and that the {$810.00} would be reallocated for XXXX 's payment so that I 'd be all paid up until XX/XX/2017. The re-allocation was to be complete by XX/XX/2017. On XX/XX/2017 I called again ( spoke to XXXX ) and was assured they were still working on the re-allocation and that it would be complete and my account would show no payment due until XX/XX/2017 for {$800.00} and that this process would be finished by XX/XX/2017. On XX/XX/2017, the account still showed we owed money so I called the lender again ( spoke to XXXX ) and was told that the re-allocation was completed, but that the system had n't updated and that a supervisor would update the system to show our account was caught up and that this would be completed by XX/XX/2017. This morning ( XX/XX/2017 ), the account still was n't updated so I called and was told by XXXX that the reallocation had NOT completed and that they were just " running behind. '' I explained this is not what I was told two days ago and asked for a supervisor. She said no supervisor was available and that they 'd call me back within up to 48 hours. I am getting the run around, it 's mid-month already, I 'm worried about late fees/hits to my credit and I do n't want my account to show as delinquent when it 's NOT delinquent, the lender allocated the funds incorrectly and they need to correct this immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 08/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (GA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint: On XXXX XXXX, 2017 I wrote Equifax, XXXX and XXXX about inquiries that were 1 ) non-account holding and more than 30 days old and 2 ) were not authorized as a follow up to an original dispute for unauthorized inquiries that was written and sent on XXXX XXXX, 2017. I have yet to receive a response from either bureau regarding the status of the follow up investigation and removal of the unauthorized inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 09/24/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Viking Client Services, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: In XX/XX/XXXX I rented a car from XXXX XXXX at XXXX XXXX. I returned the car in good condition and received a receipt. Several weeks later I received a letter from XXXX claiming that the car had been damaged while in my possession, without providing any details or supporting evidence. I sent a response letter to the remittance address listed on the letter disputing the claim and requesting evidence of damage and repair costs. I received no response or supporting documentation from XXXX in response to my written dispute and request, until I received another bill from Viking Client Services, a collection agency. I am responding to this letter with another written dispute and request for documentation. I am alerting your agency to this because I have found numerous complaints from other consumers online that suggest that this is a consistent pattern of consumer fraud by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 12/22/2015 about Mortgage (Other mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NH).
Issue: Application, originator, mortgage broker

Complaint: I am in the process of refinancing and the Mortgage Company will not release the payoff info to the Title Company. The Title Company has been requesting the info since XXXX. They followed up once and then reached out to me for assistance. This is the second problem I have had with this company, ref complaint # XXXX. I have missed XXXX deadlines to conform with a court order due to errors and delays on the mortgage company 's behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 08/19/2016 about Debt collection (I do not know) with Aargon Agency, Inc. (NV).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I have sent several requests to Aargon Agency Inc. per the Fair Debt Collection Practices Act, 15 U.S. Code 1681, Fair Credit Reporting Act section 623 ( a ) ( 1b ) and section 623 ( b2 ) requesting the show me the documents required by law that they have to hold me responsible to this debt. Also according to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. 

At this time I am submitting this as so that the FTC will have on record that I have attempted on numerous occasions to have this company obey the law and they have refused to produce the documents they are required to have on file to continue to report this derogatory information. I have been given no original contract bearing my signature or documentation of any kind. 

It was advised that I try to have this issue resolved though the mediation of the CFPB before I filed suit in state court seeking remuneration for several things including but not limited to : Violation of the FCRA, Violation of the FDCPA, Defamation of character and Identity Theft as they have opened this account without my knowledge or consent. I have lost opportunities due to this illegally reported information remaining on my credit profiles. 

I am attaching a copy of the most recent USPS Certified mailing sent to this company in XX/XX/XXXX which has well surpassed the 30 days allowed by law for a response.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 09-09-2016 about Credit card () with AMERICAN EXPRESS COMPANY (NY).
Issue: Rewards

Complaint: After receiving an email directly to my personal email account inviting me to apply for a Delta Amex Gold Card in exchange for XXXX points if {$1000.00} was spent in the first three months, I read through the terms and found no indication that I would be ineligible for the XXXX signing bonus. Even though I have years ago owned a Delta Gold Card, I found no indication that I would be ineligible for these points. With an upcoming trip to XXXX in XXXX 2016, I signed up for the card and made haste in spending {$1000.00}. Spending {$1000.00} in a month is not usual practice for me. Additionally, in spending that {$1000.00} on my Delta Gold card, I neglected to spend any funds on my Amex Gold card ( I am a loyal Amex member and therefore have more than one Amex card ), thereby forfeiting any potential membership rewards points that could have been earned in the same period in which I was spending {$1000.00} on my Delta card. 

After spending the {$1000.00}, I called Amex to find out why the XXXX points had not been transferred to my account, as I needed to book my travel to XXXX. It was not until this point that I was very rudely informed, by several Amex employees, that I was ineligible for these points, making my travel plans impossible. Furthermore, as I have struggled to be able to book this trip, despite the odds stacked against me, my generous family members have offered to help by putting points in my account, which I am also informed is impossible. 

I am asking today for the XXXX points offered to me in the marketing offer I received when I applied for the Delta Gold Amex. I am simply trying to get what I was promised. 

I am disappointed by these fraudulent, misleading, and exploitive practices.

Company response to consumer: Closed with explanation