vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX TX XXXX XXXX : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX  I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately. 

I strongly dispute the increase of the principal mortgage balance that was made onXX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}. 

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount. 

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount. 
.. 
I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX attorney ; the Chapter XXXX bankruptcy trustee and court. 

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date. 

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}. 

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately. 


Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: EQUIFAX, INC.
State: TX

Complaint narrative:
on XX/XX/XXXX family moved from XXXX to XXXX. told XXXX XXXX  XXXX ( account number XXXX ) to turn my service off on XX/XX/XXXX. XXXX sent me a bill charge me until XX/XX/XXXX. so i mail them back and forward to solve problem. once i got the right bill i paid XXXX. wrote XXXX a check through XXXX XXXX check number # XXXX amount of {$140.00} on XX/XX/XXXX and XXXX cashed the check on XX/XX/XXXX. i have bank statement and check show i paid XXXX XXXX XXXX and that that cashed to check. on my credit report it show charge-off which is inaccurate information. credit reporting agency are to show accurate information.this need to be removed from my credit report or change to show late payment. equifax is the only credit reporting agency showing this inaccurate information and needs to be corrected.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Like I highlighted to Nationstar. Under the Florida Hardest Hit Program Loan Proceeds. The HHF Loan proceeds may be advanced by the lender on the Borrowers behalf for the fowlling purpose only. 1. Unemployment Mortgage Assistance Program ( UMAP ) To pay up to twelve monthly installments of principal, interest, and, if required under the terms of the Borrowers First Mortgage Loan, the Mortgage insurance premium and the escrow amount for taxes, insurance and homeowner association fees as applicable ( PITIA ). To not exceed {$24000.00}. 2. Mortgage Loan Reinstatement Program ( MLRP ) to reinstate the loan, that include mortgage insurance, escrow for taxes and insurance and homeowners association fees. Not to exceed {$24000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: IL

Complaint narrative:
I entrusted Coinbase with {$34000.00} to do as they advertised : allow me to buy and sell bitcoin. Over a month ago, they locked my account from buying and selling bitcoin, and I could not cash out when the price went up. Now, I have lost over {$20000.00} from price drops and no reason was given other than a few days ago, when they finally assured me that my account was unlocked. They claimed they locked my account because I did not send my articles of incorporation when emailed about it by a team member, even though my account was initially approved for the first few months of use without any trouble. I have not broken any of their terms of service, and access to MY MONEY was stripped from me and still is, even though they said they unlocked my account. IT IS STILL RESTRICTED FROM SELLING MY OWN COIN. Coinbase is a scam company and should be avoided at all costs. I have no choice other than to file a lawsuit at this stage as I was not able to get access to my money when I needed it and have lost XXXX XXXX dollars and increasing in value, also due to other business troubles because I do not having my money when I need it immediately. These frauds should not be in business and I will be compensated for all losses and then some. I recommend that anyone else having problems with these scam artists find a lawyer who will work pro bono.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX  XXXX, and XXXX XXXX XXXX XXXX  All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: NJ

Complaint narrative:
After running my credit report at Experian I identified that there were multiple accounts that had been included in my bankruptcy chapter XXXX XXXX case number XXXX ) that have not been deleted off my report. The original creditor XXXX XXXX and the collection agency XXXX XXXX were both listed in line item XXXX. I have called the creditor as well as the collection agency and Experian to resolve this issue and have not been able to have the account noted as included in the bankruptcy and subsequently deleted.

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 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I placed a security freeze on all 3 credit bureaus as I was a victim of identity theft. No one is supposed to be pulling my credit report or extending lines of credit without calling my first and no such thing has occurred. The only inquires on my report that are valid are the ones coming from XXXX XXXX Bank, XXXX, and XXXX XXXX XXXX Bank. All other inquiries were unauthorized and I have reached out to the credit bureaus to investigate but have received no help on the matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have issues with XXXX 's credit card. XXXX offers XXXX Rewards for purchases. It gives start XXXX 's money {$10.00} for XXXX points. The rewards expires 30 days after it is issued. I have been forced to make a purchase if I want to take advantage of the rewards. However, it never provides details on how my star rewards were accumulated and how my returned purchase impacted the star rewards. 

XXXX now charges money for using star rewards after I returned a purchase. I was charged {$1.00}, {$1.00}, {$5.00}, {$5.00}, {$.00}, {$.00} {$.00} on my credit card statement without any details. 

I have never been provided with history of star money earning, nor reduction due to returned products. I am being charged money without knowing what the charges are. It is a fraud and cheating of consumer.

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 2018-04-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I have sent letters, sent emails even called and have not recieved any results.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
The following credit inquiry is fraudulent and unauthorized : XXXX XXXX, XX/XX/2018, Address Identification Number : 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 2018-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: NJ

Complaint narrative:
***** XX/XX/XXXX just log in only .. Think sometime in XX/XX/XXXX I purchased lite coin 2 ) Please list any actions that were not authorized by you, including the amount and timing of any transactions. 

***** XX/XX/XXXX roughly {$1200.00}, amount of lite Coins XXXX 3 ) Do you have any information on how your passwords, email, and/or XXXX codes were compromised in this attack? 

***** By phone 4 ) Is there any additional information you can provide to help us understand the attack? 

***** Here are the Phone # ( XXXX ) XXXX, Looks to be a cell # because they text me ( XXXX ) XXXX The guy I talked with said his name was XXXX,, Sounded like he was from XXXX by his Accent '' 5 ) If you this number Coin base help info either ( XXXX ) XXXX multiple number will appear in listed numbers .. 

6 ) pasted from email I received from flatulent base coin company .. You just sent XXXX LTC to XXXX 
XXXX Please contact me at ( XXXX ) XXXX cell phone, or via email XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX   Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX Bank XXXX XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} ( Remove Account ) 10 )  XXXX XXXX Finance Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) XXXX XXXX Opened XX/XX/XXXX {$3500.00} XXXX Remove Account ) 15 ) XXXX XXXX   XXXX Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account

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 2018-04-03 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I own a company, XXXX XXXX XXXX. I had an employee steal my personal and business information. They opened accounts in my name and ruined my credit. I have brought civil action against XXXX XXXX & XXXX XXXX. I won my lawsuit. They were also charged criminally and convicted. I have attached my legal work and I ask immediately that these accounts listed below be removed from my credit report due to fraud. 

1 ) XXXX XXXX XXXX  CC Opened XX/XX/XXXX balance {$16000.00} ( Remove ) 2 ) XXXX XXXX Opened XX/XX/XXXX balance {$6000.00} ( Remove ) 3 ) XXXX Opened XX/XX/XXXX {$0.00} Balance ( Remove ) 4 ) XXXX Opened XX/XX/XXXX Balance {$32000.00} ( Remove ) 5 ) XXXX   Opened XX/XX/XXXX Balance {$4500.00} ( Remove ) 6 ) XXXX Opened XX/XX/XXXX Balance {$27000.00} ( Remove ) 7 ) XXXX XXXX XXXX ( Home Equity Line of Credit ) Opened XX/XX/XXXX {$320000.00} ( Remove ) 8 ) XXXX XXXX Bank XXXX XX/XX/XXXX {$0.00} Balance ( Remove Account was compromised by fraud because my bank account used to make payments was stolen ) 9 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$2100.00} XXXX Remove Account ) 10 ) XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$99000.00} ( Remove Account ) 11 ) XXXX XXXX   Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 12 ) XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove Account ) 13 ) XXXX Opened XX/XX/XXXX Balance {$0.00} ( Remove Account ) 14 ) Portfolio RC Opened XX/XX/XXXX {$3500.00} ( Remove Account ) 15 ) Sunrise Credit Service Collection Opened XX/XX/XXXX ( Remove this Account it is part of my civil suit ) 16 ) XXXX   XXXX Opened XX/XX/XXXX Balance {$6100.00} ( Remove this account ) 17 ) XXXX XXXX Opened XX/XX/XXXX Balance {$3500.00} ( Remove this account ) 18 XXXX XXXX XXXX Opened XX/XX/XXXX Balance XXXX ( Remove this account

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 2018-04-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: DISCOVER BANK
State: CA

Complaint narrative:
Im writing to formally complain XXXX secured credit card and XXXX security department. I applied and was approved for the secured card. After sending my social security card, drivers license and XXXX & E bill and submitting a deposit for {$500.00} I was assured that my card would be arriving before my familys vacation to XXXX in XXXX. I received notification from the XXXX informed delivery service that XXXX had indeed sent my card and welcome package on XX/XX/2018. XX/XX/2018 I received a phone calls from XXXX XXXX department and when I called in the evening after I got off work they were closed. When I called the morning of the XXXX I was informed that there was something missing and I can not use my card until I sign some paper that might be coming in the next few weeks. All this takes place 4 days prior to my family and I leaving for vacation and the day before I was promised my credit card would be coming. Now they have {$500.00} of my money. Refuse to let me utilize the secured credit I have with XXXX company and left family stranded prior to our vacation. Now on XX/XX/2018 after contacting the XXXX XXXX XXXX XXXX XXXX line they refuse to return my security deposit and provide further information. After I spoke with this department I called the security department and informed them that I have still not received the paperwork they wanted in order to release my account. They rep I spoke with finally identified the paperwork I needed to send which was a SSA XXXX form. I filed out and sent the form but after speaking with my wife we would just like our money back. As this doesn't make us feel secure with the lack of communication from XXXX. This is a shame and completely ridiculous to my poor kids who have been waiting for this vacation. Please contact me to ASAP to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
HARD INQUIRY __________________________________________________________________ XX/XX/2017 - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SEE THE INQUIRY AND IT SHOWS AS STAND BY ( NO ACTION MADE AFTER THE ATTEMPT OF OPENING AN ACCOUNT ) ACCOUNT WAS NEVER OPENED. BUT IT IS STILL ON MY CREDIT REPORT FROM EQUIFAX AND XXXX   XXXX XX/XX/2017 - XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX CONTACTED COMPANY, THEY SAID THAT IT SYSTEM CAUGHT IT AS POTENTIAL FRAUD AND CANCELLED IT BUT IT IS STILL ON MY CREDIT REPORT FROM EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: DE

Complaint narrative:
I had a vehicle repossessed by XXXX XXXX. The account number was XXXX. The remaining balance was {$71.00}. In XXXX XXXX XXXX reported that balance to the three credit bureaus. But when I attempted to pay it XXXX month later, they wanted {$510.00}. It is obvious someone thought that collecting only {$71.00} wasn't very much..so they jacked it up XXXX percent because they had me on the hook with this small balance showing an open collection. 

The Fair Debt Collection Practices Act. Section 808 ( Unfair Practices ) ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. 

This is a VIOLATION OF FEDERAL LAW

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 2018-04-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Dear Nationstar c/o CFPB Nationstar Customer Relations Department c/o Mr. Cooper XXXX XXXX XXXX XXXX  TX XXXX  RE : XXXX XXXX XXXX ( d/b/a ) Mr. Cooper. Mortgage NumberXXXX I request that the current foreclosure action be cancelled and the correct principal balance be corrected immediately.

I strongly dispute the increase of the principal mortgage balance that was made on XX/XX/2014, when the principal balance was increased from {$710000.00} to {$920000.00} and eventually increased to {$990000.00}.

The original principal balance and the original loan amount is {$670000.00}. The current principal balance is {$320000.00} more than the original loan amount.

This is inaccurate and needs to be corrected. The current principal balance should reflect approximately {$670000.00}. We strongly believe that the Chapter XXXX protections that were in place during this period, protected, insulated and stayed any increase in the principal balance and loan amount.

..

I request that this increase be reversed immediately and reflected in the modification documentations. Please complete a forensic audit on my mortgage account as soon as possible so the correct principal balance is calculated so I can submit the modification proposal, with the correct principal balance, to my financial team ; my Chapter XXXX   attorney ; the Chapter XXXX  bankruptcy trustee and court.

The current principal balance is not accurate and I believe this is because of miscalculations, and errors, by the multiple servicers who have handled my loan to date.

I pray that you will make this adjustment immediately. To reflect the correct current principal balance of {$670000.00}.

I request that the current foreclosure action, be cancelled and the correct principal balance be corrected immediately.

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  CA XXXX  Nationstar Mortgage Number -- XXXX

Company response to consumer: Closed with explanation