milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/21/2017 about Debt collection (Other debt) with Perfection Collection (IN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: I have a tenant that signed a contract with XXXX XXXX XXXX who cancelled service and her contract. The XXXX corporation and their debt collectors continue to contact my tenant for the contract cancellation, but have also put this collection on my credit report. I had a conversation with Perfection Collection regarding this debt, and informed them it was my tenant that signed a contract not me. I have not been provided with any documentation with my signature on it to validate their claims, furthermore, I have a copy of the contract signed by my tenant with XXXX. this was placed for collections on XXXX for an amount of XXXX I filed a dispute with XXXX and provided documentation of the tenant signed contract. There was no resolution and the debt collection agency still contends the information is accurate. I have attached a copy of the contract signed by my tenant with XXXX as absolute proof of whose debt this is.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 07/19/2017 about Checking or savings account (Checking account) with BMO HARRIS BANK NATIONAL ASSOCIATION (MN).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: Opened a BMO Harris everyday checking account on XX/XX/XXXX, using the promo code XXXX. I followed all requirements, including bringing the mailer to a local branch, opening a new account, and having two direct deposits of {$300.00} or more post within 90 days of opening. I made deposits over {$300.00} on XX/XX/XXXX & XX/XX/XXXX. The bonus was to be paid 120 days after opening ( XX/XX/XXXX ). As of XX/XX/XXXX I still have not received the bonus. After contacting the bank, I was informed that I did n't qualify because the direct deposits were n't from a payroll company. BMO terms are listed as " Have at least two direct deposits of any combination of a paycheck, pension payment, Social Security payment, or other government benefits payment of {$300.00} or more each electronically deposited into the account from an employer or outside agency within 90 days of opening ''. I 'm XXXX XXXX, and pay myself from a business checking account from an external bank. Therefore I received 2 direct deposits, which were a paycheck, from an employer. This qualifies under BMO Harris 's  listed terms.

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 02/15/2018 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
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: On XX/XX/XXXX, i sent a requests to Equifax and XXXX to have them investigate several inquiries that are listed on my credit report. My request was made because there are several inquiries that simply are not inquiries that I initiated, I requested as per the Fair Credit Reporting Act Section 604 ( a ) ( 3 ) ( a ), asking that they send me an application with my name on it in it's original form proving that I was indeed the one who initiated these request. On XX/XX/XXXX, I received correspondence from Equifax stating " inquiries are factual record of file access '' and each inquiry remains on my report. Upon calling Equifax on XX/XX/2018, the representative stated that he would not help me and that I had to try and have them removed on my own. I called XXXX on XX/XX/2018 and ironically was told by their representative the same thing using the exact same wording, I had also written XXXX asking for the exact same thing and they complied and removed every single inquiry that was listed because there was no proof they could produce that shows I initiated any one of those requests. Therefore, I am asking that you look into Equifax and why they would they me they could not remove something, that's clearly erroneous, from my report that they continue to report causing my credit score to drop and causing financial harm to me and my family.

Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN).
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint: On  XXXX / XXXX / 17  TransUnion debited my  XXXX  credit card account for {$19.00}. The unauthorized charge was noticed today when paying my credit card bill. I immediately called Transunion regarding the charge. They indicated when I accepted an offer for {$1.00} to see m y credit score that t hey automatically enrolled me to have such information on an ongoing basis for {$19.00} a month. I advised them I did not authorize this, but was told they would not refund my money. I next called  XXXX . They were well aware of the practice but would not accept a dispute of the charge. ( Of course, they are a big user of TransUnion data, so I would n't expect them to bite a hand which feeds them so much personal consumer financial data. )  XXXX  asked if I had provided my credit card information to TransUnion to initiate the charge. I did not do so, but, of course, TransUnion would have that information in their massive financial data files on consumers..

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 07/28/2015 about Credit reporting () with Experian Information Solutions Inc. (GA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: i obtained a copy of my credit report # XXXX from Experian. It shows XXXX hard credit inquiries ; XXXX of them I never requested or have any knowledge of the companies. Some of listed XXXX times for the same day, i.e. XXXX XXXX, XXXX XXXX, XXXX, XXXX 's, then another inquiry from them XXXX XXXX, XXXX. I did not apply to XXXX for credit. XXXX XXXX XXXX 's on XXXX XXXX, XXXX for XXXX XXXX XXXX. then for XXXX XXXX XXXX. I did apply with either XXXX of these companies. XXXX Bank inquiries on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, again. I did apply to or through a company associated with XXXX Bank. XXXX XXXX I have no idea who this co. is but I have no association with them. XXXX XXXX Bills on XXXX/XXXX/XXXX, never applied to them. Experian XXXX 's on XXXX/XXXX/XXXX, then again on XXXX/XXXX/XXXX. Why are they showing up XXXX times as a hard inquiry on my credit report, from them? This information is inaccurate, at best. Note : I previously had accounts with XXXX and XXXX but they were legally discharged under a XXXX bankruptcy shown on the credit report. I have not had any accounts with them since then and there is no legitimate reason to show active credit inquiries from them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2016 about Debt collection (Medical) with Mountain Land Collections, Inc. (UT).
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint: First ... .the above question is n't applicable so I did n't know what to put but it made me put something. 

I have been very ill since XXXX 2013! I lost my job. I tried to cover all of my bills and part of the time I was on Medicaid. I talk extensively to XXXX about my situation. I was told they had discounted and/or written off or submitted any bills to Medicaid. I did not know I owed anything until I gota notification from Mountain Land Collections. 
I contacted them ... .I explained the same thing I just told you ... .I told them I could n't work and my husband is on permanent XXXX and I have no possible way to pay. So now they just report it to the credit bureaus every month. Things were so bad I filed bankruptcy but this did n't include Mountain Land Collections. 
I do n't know what to do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 03/21/2017 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint: I have been trying to obtain a car loan for almost 4 months. The car loan company pulls Equifax. When they pulled my Equifax report, the finance manager said my score was XXXX and I had not XXXX open account on my Equifax report. I called Equifax 7 times and after sending my ssc card and picture Id. Equifax told me I have too many accounts and that there were XXXX partisans to my report. XXXX with a lot of accounts and XXXX that apparently the car dealerships were seeing. Equifax took not fault to this and said the creditors need to report better, there was nothing they could do. Well, I have called all the creditors and they have been reporting to Equifax. All the creditors said they are reporting to XXXX bureaus. I have noticed from alerts and services I am currently enrolled in with XXXX and XXXX, that they ARE getting the creditor info and doing their job by reporting it. EQUIFAX IS NOT!! Equifax is not fixing this, so I called once more and still NOTHING.I would appreciate you doing anything you can to get this mix up straight. All I want is for Equifax to do their job. It is that simple

Company response to consumer: Closed with explanation
Consumer complaint received 08/15/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with DISCOVER BANK (CA).
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint: Back in XXXX of 2016 I got an offer to transfer balance and get interest free for 1 year. I thought this was something that could help me get my bills lower, however due to deception I did n't realize that when I make the payments Discovers computer will pay down higher interest first, meaning that unless I paid all the previous balance first. So I transferred XXXX dollars and later found out that I had been tricked and ultimately got no interest free promotion on the XXXX dollars and ended up paying full interest. Discover hires smart people to think this up and they know exactly how it will play out.
Today I found that 2 payments were made for the monthly payment. I had thought I was going to be late in the month of XX/XX/XXXX and called Discover to see if they could deffer the payment for 1 month. They would not do this and instead talked me into setting up an auto pay for the following month. This is not what I wanted, but the gave a XXXX dollar credit ( still not exactly sure why ), and talked me into the autopay. I ended up making the payment on time and called to cancel the autopay and for some reason it was not canceled and rather they rolled it over for another month. This is not what I wanted and not what I called about. But because Discover wants everyone on autopay they pushed back and ultimately did cancel the auto pay which was the ONLY reason i called that day. Today I had to spend almost 2 hours getting discover to fix their mistake. This involved a conference call with my bank to be sure the payments really went through ( guess they did n't believe me ). They wasted my time and I want compensation for this gross waste of my time.

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 PORTFOLIO RECOVERY ASSOCIATES INC (NC).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: There is  a account reporting on my credit file from Portfolio Recovery Associates in the Amount of {$3500.00}. I have sent both Portfolio and the credit bureaus information requesting to validate this bill several times going back as far as approx a year. Portfolio responded by sending a 1 page copy of what appears to be the statement the the said account with my information. I have once been a victim of identify theft and refuse to be responsible to for something that has not been proven or validated to belong to me. I have requested documents that would show my signature or some form of verification of this debt. Portfolio has yet to do so but is still reporting this account on my file. I have written twice and the last time Portfolio Recovery states they consider this investigation to my validation closed. This debt has not been validated there fore should no t be appearing on my report unless they can do so.

Company response to consumer: Closed with explanation
Consumer complaint received 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (CA).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Stolen information from the EquiFax cyberbreach.

Company response to consumer: Closed with explanation
Consumer complaint received 01-05-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Hunter Warfield, Inc. (CA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: XXXX XXXX has submitted to the collection company Hunter Warfield unauthorized charges for cleaning fees from apartment I lived in for 1-year until XXXX/XXXX/XXXX California Civil Code Section 1950.5 States : " The tenant is not responsible for damages resulting from normal wear and tear You can not charge cleaning fees for conditions caused by normal wear and tear during the tenancy or previous tenancies, or for cleaning a rental unit that is as clean as it was when you moved in. '' Civil Code Section 1950.5 ( b ), ( e ). 

The lease agreement states : That I agree to leave the premises clean and in the same condition received, except for ordinary wear and tear. I left the premises in better condition then I received ( included are photos of the dirty apartment when I moved in ). According to the lease, California Civil Code and California Tenant Rights : when I provided my 30-day notice I 'm entitled to an " initial inspection '' that requires a list of proposed deductions beyond normal wear and tear. This inspection was scheduled on XXXX/XXXX/XXXX to be held on XXXX/XXXX/XXXX from XXXX-XXXX and no one showed up. I have phone records showing I called and talk to manager XXXX XXXX and she never got back to me, and no one showed up for my scheduled initial inspection. Under California Tenants ' Rights, the initial inspection shall provide itemized statement of intended deductions beyond normal wear and tear. 
The cleaning fees that Sequoia equities is charging are from normal wear and tear, which under California Civil Code Section 1950.5 I 'm not responsible for because I left the apartment in better condition and received my full deposit back. They have no documentation, stating that the cleaning fees are from beyond normal wear and tear because they never showed up to the agreed initial inspection providing me with the proposed deductions and the opportunity to fix any identified deficiencies beyond normal wear and tear. 
On XX/XX/XXXX I sent a letter to Hunter Warfield disputing these claims by providing evidence and asking them to validate the debt within the required 30-day period. Under the Fair Credit Reporting Act they are in violation by reporting these claims to the bureaus some 4-months later with no accurate validation required. After not receiving the validation. I contacted XXXX XXXX on XXXX/XXXX/XXXX no response so I called Hunter Warfield again on XXXX/XXXX/XXXX at XXXX pacific and talked to XXXX asking again for Validation they said " NO '' then a manager got on the phone and I asked him the same thing he said " NO '' then hung-up the phone.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (FL).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: When reviewing my XXXX XXXX, I noticed a new hard inquiry from CBNA made on XXXX XXXX through XXXX. I have not registered to have any new accounts opened or made any authorization to do so. Im not even aware who is CBNA. 

Please assist me in getting this removed as this is alarming me. I was a victim of identity theft in the past would hate someone out there is reattempting it.

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 04/19/2016 about Credit reporting () with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I have disputed the XXXX XXXX XXXX account as well as the 10 year old XXXX account. I have attached an statement provided by XXXX XXXX XXXX to fill out because of the fraud on my account, I also made state with the internet crimes department. So this should not be on report. 
The XXXX account should have been deleted due to age. Also I have provided payoff letter provided by XXXX. Not sure how they state last payment made in XXXX, when it cleary states account was paid off in XXXX. They also sent me a document to see if I would pay XXXX % of the bill to clear matter. So clearly they have some type of issues knowing what to do quoth account. i have also filed complaint with the XXXX of Mn about this.

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 02/22/2017 about Credit card () with U.S. BANCORP (MA).
Issue: Billing disputes

Complaint: US Bank falsely claimed to the CFPB and me that US Bank recorded XXXX calls, prior to XXXX XXXX, XXXX in which I allegedly participated. 
US Bank falsely claimed that " You ( sic ) correspondence also indicates that you have requested that we provide you with video surveillance of the transactions that you had previously claimed as fraud. '' in theirs to the CFPB and me dated XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: Issues regarding my complaint with Experians ' reinvestigation policy. I 'm disputing XXXX inaccurate names and XXXX inaccurate address reporting on my file. See attached documents for detailed information. 
Experian was notified in writing via my disputes regarding the inaccurate personal information on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Clearly Experian has had several opportunities to remove the inaccurate information. They failed to reinvestigate and remove the disputed inaccurate items within the 30 days as required by the FCRA. 

Experian fails the FCRA on these counts when disputing personal information. 
1 ) No reinvestigation, they are only comparing disputed information to what was reported in the past. 
2 ) They are not notating the personal information as disputed by the consumer. 
3 ) The personal item disputed must be reinvestigated by the credit bureau if notified ... period. There is no negotiation or justification or reason that the credit bureau gets to use to avoid processing the dispute. The FCRA is completely clear on this point. 
The FCRA does not say to contact the furnisher it clearly states to contact the credit bureau. They state that the address I questioned is a part of my credit history, it can only be a part of my credit history if it 's accurate, verifiable and not obsolete. I 've clearly provided documentation that shows that it 's not. 
Simply stating that the information was provided by a furnisher is not a reinvestigation. Experian 's policy is that if personal information found on the header of a consumers file was reported by a furnisher that the information is forever tied to the creditor 's listing. 
Experians ' printed explanation of why they report inaccurate information is not acceptable. They state " ... which may result in variations of your names, address, social security ... '' " XXXX or more sources of information reported the address you questioned and it is a part of your credit history ''. Absolutely unacceptable disregard for maintaining an accurate credit file. I do not have these issues on my other XXXX credit bureaus, they cleaned up my inaccurate personal information without delay ; only Experian does this and when they retain this inaccurate information they pass it forward to other creditors who look at my credit file and continue to disseminate an inaccurate version of my personal information which when applying for a mortgage or a classified job I must sign acceptance that these AKA 's are mine when they are NOT!

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 10/19/2016 about Credit reporting () with EQUIFAX, INC. (VA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Since XX/XX/XXXX, I have been dispute my credit being pulled by XXXX different companies on XX/XX/XXXX & XX/XX/XXXX from all three credit bureaus. After completing disputes with bureaus, XXXX and XXXX have removed these hard inquiries from all companies since companies were not able to provided authorization documentation ( s ). Equifax informed me several times to contact companies directly, which I have over the phone and by mail on several occasions. The companies informed me to dispute the inquires through Equifax. I have informed these companies of the outcomes and direction from Equifax 's disputes. I also informed Equifax with information received from the companies through several disputes. Equifax refused to complete any type of dispute concerning these hard inquires or remove them from my credit report. These inquires are extremely damaging my credit score. I need some assist with this issue -- Equifax completing a proper investigation. At the time of the hard inquiries, there was an identity fraud placed on all reports.

Company response to consumer: Closed with explanation