vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Cornerstone Home Lending Inc.
State: TX

Complaint narrative:
Dear Sirs, Beginning in XX/XX/XXXX, upon nearing of my home insurance policies to be renewed, I started getting letters from both Cornerstone Home Lending ( my mortgage company ) and my insurance carrier that payment was not getting made to fund them. I began calling both companies then, out of concern they were not communicating with each other, despite my timely payments with escrow included. Cornerstone reassured me that the letters get autogenerated and payments get made at the last minute. I have contacted Cornerstone on XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, as well as my insurance carrier about as many times to rectify the issue. Ultimately, two of my three policies were payed for by Cornerstone, but not my flood insurance. As a result, they took out a costly flood policy on my behalf, and my biggest complaint today is I have still not gotten reimbursed for the disbursement out of my escrow for that policy ( {$340.00} ) and that my actual flood policy has still not gotten paid. My insurance company funded it themselves and are still patiently awaiting payment. I have never experienced the incompetence and lack of concern involving an issue that had nothing to do with me, and the length this problem still exists despite my best efforts to resolve it. I consistently get told by different representatives ( and supervisors, all in which I have documented names ) that the problem is getting resolved, but it is not. It has ultimately driven me to refinancing with a different institution, hopefully to close with in a few days. I would have never expected the indifference that this institution has shown in dealing with a problem that is clearly their fault, and me being penalized simply for choosing a poorly run financial institution. I sincerely hope you have more success in rectifying this problem than I did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: NJ

Complaint narrative:
Hi There, The following company Credence Resource Management , LLC XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX called 87 times to collect a collection debt from XXXX XXXX XXXX. Few times I told them that only amount I owe is about {$200.00} and not incorrect amount they are trying to collect. 
I told them to send me something in writing with all the records what falsely claiming for and stop calling. They told me they did send a letter that I never received. Before also threatened to ruin my credit and other actions. This is totally unacceptable from this collections agency. 

After that I started ignoring their calls and now they have put this disputed amount as negative collection on the credit reports. 

I would definitely take action against the bad collection practices this company has. 
We are already going through a very tough times due to Covid-19 related financial problems and these types of companies make them worse. 

Thanks SM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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: ZIONS BANCORPORATION
State: CO

Complaint narrative:
I have reached out to the credit bureaus and the creditors regarding these accounts. The accounts are outdated and out of the statue of limitations for debt in Colorado. The creditor nor the credit bureaus have not responded to my request to have these outdated tradelines removed.

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 2021-05-24 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: Ridge & Valley Realty, Inc.
State: CO

Complaint narrative:
I have reached out to the credit bureaus and the creditors regarding these accounts. The accounts are outdated and out of the statue of limitations for debt in Colorado. The creditor nor the credit bureaus have not responded to my request to have these outdated tradelines removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BTH Management
State: AL

Complaint narrative:
On XX/XX/2021, I became aware of a debt that was submitted to the credit reporting agency as past due. I immediately became concerned and requested more information. I soon realized that the debt had been obtained through identity theft. I contacted the debt collection agency, Plaza Services, on XX/XX/2021 to explain the situation. I was advised to submit a Identity Theft Victim 's Complaint and Affidavit ( attached ), which I did. When I got no response, I called on XX/XX/2021, and was told that they were investigating my fraud complaint and that they would not communicate with me directly. I subsequently sent a letter on XX/XX/2021, requesting that they stop all collection proceedings against me ( attached ). They continue to harass me and my family for a debt that is not mine and that was obtained through identify theft. I provided to them a copy of the police report as well ( attached ). The debt is through XXXX XXXX XXXX XXXX. I have never had any interaction with that bank and can verify that no funds were transferred to me from that bank. Plaza Services is in violation of FCRA 15 U.S.C. 1681 Section 623, which states, in part : " When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. ''

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Chime Financial Inc
State: FL

Complaint narrative:
Hello my name is XXXX XXXX, chime closed my account out but havent sent my funds its been 4 months and Ive been emailing them and they keep saying their going to send it out but its been 4 months and they keep saying they are waiting on the check department

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
XXXX XXXX XXXX in XXXX, Texas has tried to balance bill an amount not in the contract with XXXX XXXX. They have sent the bill to multiple collection agencies though the insurance has told them the collection is not in the contract and is not billable. I have had to spend time with the collection agencies and XXXX XXXX XXXX XXXX XXXX repeatedly and the hospital is still trying to collect a fraudulent debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: IN

Complaint narrative:
Those elaborate mechanisms congress mention in 15 U.S.C 1681 are causing me great stress by reporting inaccurate and unverifiable accounts { XXXX XXXX } on my reports. I have been sending disputes in for over a year. XXXX finally removed the accounts, XXXX and EQUIFAX failed to do the same. Im learning that I have been taking advantage of and I am seeking litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Zillow Group Inc.
State: MI

Complaint narrative:
On XX/XX/2021 I made my first mortgage payment to Zillow Home Loans. With the normal payment I made a {$96.00} extra principal payment and an extra {$50.00} to escrow. This reduced my principal balance to {$200000.00} and increased my escrow balance to {$3500.00}. On XX/XX/XXXX I was notified that my loan was sold to XXXX XXXX, a servicing company associated with XXXX Mortgage. I received my first statement from XXXX XXXX and discovered that the extra principal and extra escrow were both missing from my initial statement sent me from XXXX XXXX on XX/XX/XXXX. Attached are copies of both the Zillow Mortgage Company and XXXX XXXX. 

I have filed a complaint with you for XXXX XXXX but now realize that perhaps Zillow failed to inform them of this missing payment of extra principal and escrow. I have yet to receive a resolution from XXXX XXXX so I wanted to submit this complaint so Zillow would have to answer as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I guess I must have pretty good credit as I regularly receive offer for a balance transfer at 0 % APR. I received one in todays mail from Citi for a 0 % Promotional APR until XX/XX/2022 with a balance transfer fee of the greater of {$5.00} or 3 % of the amount of the transaction. 

I have 2 problems with this : 1 ) The banks seem to all be operating in lock step with respect to the transaction fee. I was under the impression that something called anti trust should prevent this degree of collusion.

2 ) The bank is clearly giving the impression that for the given period no interest will be charged when the transaction fee is an interest rate. OK, it's not an APR but is this kind of XXXX permitted? In Smiley v Citi when the shoe was on the other foot the bank successfully defended its late fee policy as an interest rate which therefore could not be regulated by the debtor 's home state. 

So I wondering if you people can suggest a remedy or even comment on what appears to be collusion and false advertising.

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 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: T.S. Holdings
State: IN

Complaint narrative:
IQ Data International has listed an account on my credit report and is continually calling me and adding interest monthly to a balance that has already been paid through a garnishment. I called the attorney handling the garnishment XXXX XXXX XXXX and their collections department XXXX  XXXX and was informed that they do not use IQ Data for collections and had never heard of them. The attorney then contacted the original creditor to confirm that this account was not sold to or supposed to be handled by IQ Data and the original creditor stated that they only send accounts to the attorney on record and their collections department which is NOT IQ Data International. At this point everyone is baffled as to how this company got my information and has been adding interest to a balance monthly on my credit report for an account that was never owned by them and is now paid. Upon contacting IQ Data International trying to get this resolved I was spoken to rudely, told I owed it and was then hung up on.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I applied for a mortgage with XXXX XXXXXXXX XXXX and XXXX. Both lenders pulled my credit multiple times. Each time plus more times. My credit was pulled a total b of 5 times. Each time Equifax miss merged another person 's social security, date of birth. Address and credit history with detailed accout information on my credit report. This persons debt is causing me to have a HIGH DEBT RATIO. causing me to be a risk at losing my mortgage approval and home. I've called Equifax every day since XX/XX/2021 to resolve the miss merged. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: PR

Complaint narrative:
I had a coinbase account to buy cryptocurrency. On XX/XX/XXXX, my account was hacked and i couldnt log in. I contact coinbase support and they help me out to have access to my account. So it took around 3 days to get access to my account. 

Once logged in i notice that my money was gone. Around XXXX $ in Bitcoin and XXXX currencies. 

Also, i had withdrawals from my bank account in XXXX XXXX for the amount of XXXX $ on XX/XX/XXXX. They bought more Bitcoin and then they transferred everything to another account. 

All my money is gone. I contact once again Coinbase support team and now they stop answering. 

Since the end of XXXX i havent got a response from Coinbase Support. I file a complaint with them and no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: TX

Complaint narrative:
XX/XX/2019 ... .. moved into an apartment complex XXXX at XXXX XXXX. 
Apartment was uninhabitable. Not ready for humans to live in. XXXX and XXXX  infested.Strong Paint orders throughout the apartment. Front door was not properly attached. At this time in my life I was a victim of XXXX XXXX and had to move due to XXXX XXXX circumstances against my life and my family. I have been wrongfully charged with debt from this company on multiple occasions and its was all inaccurate. 
Please help me remove this debt off my report due to the laws that supposed to protect families in domestic XXXX situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Bureau Central Inc (MS)
State: MS

Complaint narrative:
i check my credit report and notice a inaccurate item from credit bureau XXXX XXXX XXXX and sent them a dispute letter on XX/XX/2021 for the alleged debt of {$59.00} that i do not owe.as of XX/XX/2021 i haven't heard or gotten anything that i requested and i have attached a copy of the letter below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
on XX/XX/2021 i sent letters to the CRAs about personal information being inaccurate and requested them to update on my report to keep me from being prone to identity theft.as of XX/XX/2021, i have not heard from either of them concerning my personal information.

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 2021-05-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
This is to inform that Transunion, XXXX  and XXXX  have violated my consumer rights and now are civilly and criminally liable for their violations on my consumer report. They have failed to notify or input a notice to dispute on my consumer report within a 30 day time frame for the accounts that i am disputing. Also, because they are reporting inaccurate information on my consumer reports and Consumer reports are suppose to be 100 % accurate across all 3 bureaus. The letters were received on XX/XX/2021 and it is now XX/XX/2021 and I have not received and correspondence for these 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 2021-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
A checking/savings account was opened at TD bank online with my SSN and DOB no other information was requested at the time the account was opened. I went to a TD bank and they informed me that the account was opened with my information and and email address that was not mine. The email used was XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
on XX/XX/2021 i sent letters to the XXXX about personal information being inaccurate and requested them to update on my report to keep me from being prone to identity theft.as of XX/XX/2021, i have not heard from either of them concerning my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
on XX/XX/2021 i sent letters to the CRAs about personal information being inaccurate and requested them to update on my report to keep me from being prone to identity theft.as of XX/XX/2021, i have not heard from either of them concerning my personal information.

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 2021-05-24 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: Bliksum, LLC
State: MN

Complaint narrative:
I was on my bank trying to apply and it directed me to start up and once I tried an application loan for them it told me that I was unable to get a loan through them but was able to get a loan through a third party. Before I even put any of my information it had my information so I figured it was through start up in the website was secured when I went on to loanme.com After filling out the online application the page refreshed and had told me that I was pre-approved and redirected me to the next screen, which said that my approval was pending and that I would receive an email for next steps. And when I went on to their website and tried logging in I told me I was not a member or did not have an account. Prior to going on to loan me I had screenshotted where my bank directed me to loan me and I noticed on the top of my screen shotted picture it had said loanmee.com Right away I noticed it had an extra e and started freaking out. I know think my life is ruined and don't know what to do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
After previously being sent to collections, I paid an overdue credit debt back directly to the credit card company on XX/XX/XXXX. On XX/XX/XXXX, I started getting phone calls and emails from XXXX XXXX XXXX, XXXX, stating that I owed them the amount I had previously repaid directly to the card servicer five years prior.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Holdings LLC
State: VA

Complaint narrative:
I applied with Selene Finance for a covid-19 forbearance, after the forbearance was up I went ahead and applied for a loan modification, I submitted all documents through emails. i have sent all the required documents, every time I called for an update Selene finance request the same documents that sent less than a week ago, they get confused with my loan number they even call me a different name, looks like they are in a different file asking me for the same documents I have sent. this is very frustrating because i have proof of email been sent to Selene. they are very upset they sound like they don't want to help me at all. every time i tried to explain that the documents were sent they fight with me over the phone inserted of searching for the document. my intentions are to keep my property is the only one i have, Selene finance is doing its best to not help, by ignoring my emails and phone calls

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX EQUIFAX XXXX. XXXX XXXX XXXX, GA XXXX To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$6000.00}, {$9400.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -ACCOUNTS- 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$6000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit balance of {$9400.00} -This is not my account.

Company response to consumer: Closed with explanation