vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I opened a BMO Harris Smart Advantage Account and a Platinum Money Market Account in XXXX, XXXX via a promotional offer that promised 1 : {$400.00} for opening the Smart Advantage Account and having direct deposits totaling {$6000.00} within 120 days of opening, enroll in digital banking, and have 10 transactions posted to the account within 120 days. 

2 : Earn 2.05 % Annual Percentage Yield ( APY ) when you open a Platinum Money Market account with at least {$5000.00}. 

3 : Get {$100.00} bonus just for opening a checking account and a Platinum Money Market account. You must open the PMM within 30 days of opening the personal checking account. 

I'm having two issues. 

1. I did all three above, and recieved the {$400.00} bonus on XX/XX/XXXX. I have yet to receive the additional {$100.00}. I have sent numerous messages to BMO Harris. I was assured at one point that I would get it by XX/XX/XXXX. Once that didn't happen, I sent a message on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. All with NO response. 

2. My second issue is I believe their offer of a higher APY was a bait and switch, as I earned 1.91 % on my XX/XX/XXXX statement, 1.81 % on my XX/XX/XXXX statement, 1.70 % on my XX/XX/XXXX statement, .53 % on my XX/XX/XXXX statement, and .25 % on my XX/XX/XXXX statement. I understand that they have the " right '' to lower APY, but  this was deceptive of them. 

I have a copy of the language that I had possession of when I signed up for the accounts. BMO sent me DIFFERENT language when trying to get out of paying me the additional interest.

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 monetary relief
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Capital One Services ; is trying to collect a debt that's not mine. Capital One had sold the debt to XXXX XXXX ; which XXXX XXXX mark the debt as ID theft and stopped all collection ; Capital One then rebought the debt and then sold the debt to XXXX XXXX XXXX, which is attempting to collect a debt that's not my and have being mark ID theft, capital one understand that's its ID theft also ....

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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:
I have sent two letters certified to the Collection Agency, disputing and requesting validation of a debt they claim I owe according to FDCPA, 15 USC 1692g Sec. 809 ( b ). One on XX/XX/2019 and the other on XX/XX/2019. In return I received copy of an invoice from them of the original creditor with a XXXX balance. 
This is not a validation of the debt. Nothing with my signature and the original amount according to the invoice was {$1700.00} and they claim to be collecting {$300.00}. The unverified items remain on my credit report in violation Federal Law. They have not provided me a copy of Any original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 612 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: TX

Complaint narrative:
On XX/XX/2020 the payment tried to go through and did not, I contacted the company XX/XX/2020and now Im being told i have 48 hours to pay XXXX in late fees or if not I'm stuck payment over XXXX more for the next 9 months, or i return the items purchased. i feel like they can do away with those charges since I just paid off the amount that did not go through. I tried speaking to 3 different people and everyone said no. Company is acima credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: LEXISNEXIS
State: GA

Complaint narrative:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: La Casa Bonita Investments
State: GA

Complaint narrative:
The company 1 file.org contacted me about student loan forgiveness. They charged me 3 payments of {$210.00} to process my paperwork and charged me a maintenance fee of {$29.00} XX/XX/XXXX, XX/XX/XXXX. I reached out to them in XX/XX/XXXX the phone number was no longer in business and no one never responded to my email. I am still unable to to find a contact for the business.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-27 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: Innovis
State: GA

Complaint narrative:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: ID Analytics, Inc.
State: GA

Complaint narrative:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them  in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
On XX/XX/2020, I deposited a loan proceeds check from XXXX XXXX XXXX XXXX to pay off my auto loan with USAA. A hold was placed on the check with the 1st {$5000.00} made available. I immediately transferred the 1st $ XXXX to loan to be paid off with the check. 

On XX/XX/2020, I called USAA to see about having the hold released. I explained that the cashiers check from XXXX was for loan proceeds to pay off my USAA loan. I offered to provide my loan agreement as verification, which was not accepted by USAA. I explained that the hold placed on the check was going to result in my being charged additional interest on the loan I was seeking to pay off and that it felt unfair and deceptive. It is very clear that the loan was from a competing institution to refinance a USAA loan. This act clearly benefits USAA by holding guaranteed funds in order to accrue additional interest on a loan that would otherwise be paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: CORELOGIC INC
State: GA

Complaint narrative:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them  in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.

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 2020-01-27 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: Credit Technologies, Inc.
State: GA

Complaint narrative:
I have received a credit card bill XXXX XXXX, although I've never had a card from XXXX XXXX, I checked my credit an more accounts were showing in my credit therefor I have noted them in this report to dispute them, these accounts below do not belong to me an are fraudulent. I have attach my id to proof my identity in this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: LEXISNEXIS
State: GA

Complaint narrative:
Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA

Complaint narrative:
To Whom It May Concern, RE : // Union Bank Loan Number XXXX ; HELOC ABUSE ; ELDER ABUSE Union Bank is refusing to allow me to take out money from my {$250000.00} already approved HELOC because they claim I didn't have insurance on my houses when in fact I did with XXXX XXXX XXXX . I provided the proof again despite having it, they had it for the last three years. 

Then, they claimed there was fraud on the account yet, they can't provide any recorded statement or documentations of who reported fraud. 

Worst, they terminated my account by mailing me a letter dated XX/XX/2019, by stating, " the account has been closed and there is no longer an outstanding balance. '' I BELIEVE UNION BANK REPRESENTATIVES ( THEY FIRED ALL THEIR OLD EMPLOYEES, AND HIRED NEW ONES ) ARE COMMITTING FRAUD AGAINST ME BECAUSE OF MY SENIOR CITIZEN   STATUS AND MY XXXX. 

EVEN THE BRANCH MANAGER, XXXX XXXX SAID, " THEY ARE WRONG TO DO THIS. '' HER TEL. ( XXXX ) XXXX. 

CAN YOU HELP ME GET MY ACCOUNT NO. XXXX REINSTATED BECAUSE THEY ARE DISCRIMINATING AGAINST ME AND ARE ROBING ME OF MY {$250000.00}? 

Sincerely, 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 non-monetary relief
Consumer complaint received 2020-01-27 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: Innovis
State: GA

Complaint narrative:
Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Checking my credit one again I notice several accounts that i do not know about, I have been victim of identity theft, a police report will be filed. As require by FCRA any information reported as fraudulent should be removed from the consumer credit file. I'm reporting this as an effort to clear my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I have another complaint to make regarding Portfolio Recovery Associates. I have filed a prior complaint requesting the original consumer signed contract for account # ending in XXXX. Theyve failed to provide me anything with verifiable proof. I have attempted to settle with them on 3 occasions with no luck, my goal was to avoid missing work as it is imperative I be @ work. I missed a day of work Thursday XX/XX/XXXX only to find out they had rescheduled the court date. Why? I am at a loss @ what to do to get resolution. They havent provided me a copy of their state license, a copy of the signed agreement. I am attempting to resolve this matter and am having no luck! I couldnt afford to miss work on the XXXX and Im not looking forward to missing another day.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One Bank has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Halsted Financial Services, LLC.
State: SD

Complaint narrative:
My name is XXXX XXXX Here is dates and times iv received calls on a debt that is not even in my name. It is someone else debt. I have repeatedly told them to stop calling me. This debt has nothing to do with me? They call 2-3 times a day sometimes more. I have blocked many numbers they call from but they use a spoof program of some sort so always calling from a different number. 

I would like the calls to stop! it has nothing to do with me! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Thank you! 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently pulled my credit report from XXXX, TransUnion, and XXXX and to my amazement, saw that there are fraudulent accounts being reported in my credit report. I am a victim of identity theft. I did not make or approve of these transactions. This happened because of identity theft. There are two accounts which are opened under my name : XXXX PERSONAL LOAN ( ACC NO : XXXX ) and XXXX XXXX XXXX ( ACC NO : XXXX ). I sent a police report to TransUnion but the TransUnion reporting agency did not remove these fraudulent accounts.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.

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 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX  has placed a delinquent status on my credit reports. This information is inaccurate. It was placed on XX/XX/2012. This is affecting my ability to obtain credit and hurting my credit scores tremendously.

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 2020-01-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
At this point I would like to try and get this account with National Credit Systems settled. The contract and the break down of fees I do not believe are accurate and I would agree to paying the final month rent of {$1100.00}. The lease was for one year, from XX/XX/XXXX until XX/XX/XXXX. I gave notice XX/XX/XXXX and the contract expired XX/XX/XXXX had I stayed to the end of the month that would have completed the contact. The fact that they want to charge an early termination fee for a contract that was due to expire 30 days from when I moved out and charge a 60 day notice fee is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: LEXISNEXIS
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent a certified the below attached letter to LexisNexis Risk Solution. I asked LexisNexis to explain to me how they could release any information regarding credit files they hold on me to anyone when my credit information is frozen. Furthermore, Lexis Nexis is reporting that I have a Bankruptcy. I asked LexisNexis to Verify and Validate the information. I was asking for a letter from the US Bankruptcy court identifying the name and title of the clerk that VALIDATED said information. As of Today XX/XX/XXXX LexisNexis, has failed to comply with my request and the law. 
Depending on the outcome from CFPB, I will be seeking damages for Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against LexisNexis and XXXX XXXX, CEO I would be seeking a minimum of {$1000.00} and up to {$5000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: CA

Complaint narrative:
I recently pulled my credit report from XXXX, XXXX, and XXXX  and to my amazement, saw that there are fraudulent accounts being reported in my credit report. I am a victim of identity theft. I did not make or approve of these transactions. This happened because of identity theft. There are two accounts which are opened under my name : DISCOVER PERSONAL LOAN ( ACC NO : XXXX ) and XXXX  XXXX XXXX ( ACC NO : XXXX* ). I sent a police report to XXXX  but the XXXX reporting agency did not remove these fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FIRST NATIONAL BANK OF OMAHA
State: MI

Complaint narrative:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX  or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.

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