vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I have had a XXXX Reward Chase credit card for a little over a year. When I applied and was approved for the card in XXXX of XXXX my limit was {$21000.00}. I used the card over the last year and was carrying a balance around {$3000.00}. I have made all payments on time with no issues at all. In XX/XX/XXXX I noticed a drastic decrease in my credit score and started to do research to find out why. At the time my credit score went from the 710s to the 660s. Upon researching the situation I discovered the Chase had reduced my limit from {$21000.00} to a mere {$3400.00} and my balance owing at the time was {$3000.00} putting me at almost 100 % balance to limit ratio. When I called them in XXXX to inquire they said they review accounts periodically and make changes and to reference the letter mailed to me for additional reasons. 
The reason provided on the letter were BALANCES ON ACCOUNTS ARE TOO HIGH COMPARED TO CREDIT LIMITS BALANCE OWED ON REVOLVING ACCOUNTS TOO HIGH NUMBER OF ACCOUNTS CURRENTLY IN USE There were no major changes to my credit from when I applied in XXXX and was granted the limit of {$21000.00} til when they made the changes to the limit in XXXX. Only difference was I had used their card as intended for a XXXX vacation. 
This was a reduction in my credit limit by 85 %. This was unfair and wrecked havoc on my credit. 
There has to be something protecting creditors from negatively impacting their credit like this. Even if they had decided, due to COVID and the risk associated with larger limits, to reduce my credit limit to a to a point where my balance would be 30 % of the limit that would have been more acceptable as it would not have impacted my credit so drastically. That would have still allowed them to cut my limit in half. This seems to be such a deceptive and unfair practice and there has to be something that can be done to protect a consume like myself who works really hard to keep my credit in good standing.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: FL

Complaint narrative:
I contacted this company numerous times to try and understand the debt. I have three different reports from the same company and seems to be the same debt with different amounts. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous and sick, I have been having medical issues and not being able to know and/o understand this debt is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I contacted this company numerous times to try and understand the debt of XXXX. I was never given any explanation. Due to Covid-19 everything is becoming harder and harder. When I tried talking to them, they were not very helpful and I still can not remember this debt. I am experience extreme hardship, this whole situation is making me nervous, I have been having medical issues and not being able to know and/o understand this debt is not helping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: NV

Complaint narrative:
While reviewing my credit report on XX/XX/2020 notice that an Bankruptcy filing from the U.S. court of Nevada, XXXX XXXX. There were information in regarding the bankruptcy that was reported to the credit bureaus by these data providers who are third party recorder who report information to the three credit bureaus. Which are XXXX XXXX XXXX  I am exercising my rights under the fair credit reporting act, section 609, to request information regarding. As per section 609, I am entitled too see the source of information, which is the original contract that contains my signature from these three data provider core logic, XXXX XXXX, XXXX XXXX. If either of these parties disclose this information to the credit bureaus which is illegal without my consent I am requesting that this item be removed from my credit report within 30 days of this complaint. These data providers are illegal selling consumers information to the three credit bureaus for their company profit.

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
We're sorry A condition exists that prevents us from being able to accept your request at this time. If you are trying to contact us from within the United States, please try our toll-free request number at XXXX XXXX XXXX XXXX. 

Alternatively, you may submit your request in writing by downloading the Mail Request form available at www.consumer.ftc.gov/articles/0155-free-credit-reports or www.consumerfinance.gov/learnmore/. 

Please visit this website again at a later time. 

Thank you.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
Disputed Transaction Details Transaction date : XX/XX/2020 Merchant name : XXXX ( XXXX ) Disputed amount : {$1300.00} Amount resolved in merchant 's favor : {$1300.00} Merchant shipped an empty box, the item was a lighter for it only weighs an ounce or two. But the box was empty without the item. The merchant also canceled a separate order on XXXX which I paid for and then provided them with this tracking number which shows delivered but again paid for but never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NC

Complaint narrative:
2ND COMPLAINT, 1st complete rebutted by PHH and no follow through via CFPB XX/XX/XXXX requested a VA IRRRL ( Interest Rate Reduction Refinance Loan ) refinancing through PHH, was told I qualified for the IRRRL but needed thousands of dollars toward this process. XX/XX/XXXX submitted request for mortgage assistance and prior to falling behind with my mortgage payments, response given, causing mortgage payment amount to increase significantly. XX/XX/XXXX submitted second request for mortgage assistance. Proactive efforts exercised to avert being delinquent with mortgage payments, negatively impacting my credit and additional financial obligations as evidenced by late fees.To date request for additional modification not provided. 

Interesting PHH is very thorough about my legal ability to speak with them, but not so thorough in that PHH paid 2 homeowners insurance companies. 

-Both insurance companies were paid, XXXX and XXXX XXXX even though XXXX XXXX cancelled XX/XX/XXXX. 

XXXX XXXX XXXX began XX/XX/XXXX ; XXXX XXXX the information of this change. 

-I was told the reason for this increase is because the taxes increased, even though I have fixed taxes because I am a XXXX XXXX XXXX   XXXX. I provided all of this information to PHH in XXXX. 

-It took PHH close to a year to address this change. 

-Resulting in 2 separate payments for 2 different homeowners insurance companies and then reporting to me that the increase was because of taxes. 

Per a previous settlement agreement PHH continues to present the following deficiencies in servicing, foreclosure, loan modification, and other loss mitigation processes. 

Per the following : WHEREAS, on or about XX/XX/XXXX, the State Mortgage Regulators, as coordinated by the XXXX, commenced a multi-state mortgage loan servicing examination ( the Multi-State Examination ) of PHH covering the period of XX/XX/XXXX to XX/XX/XXXX, in order to determine PHHs compliance with applicable State and Federal laws and regulations, financial condition, and the adequacy of policies and procedures and the control and supervision of the licensed mortgage loan servicing operations. The Multi-State Examination was conducted by the State Mortgage Regulators from the states of Arizona, Georgia, Louisiana, Massachusetts, and New York. The Multi-State Examination of PHH was conducted pursuant to their respective statutory authorities, and in accordance with the protocols established by the XXXX/XXXX Nationwide Cooperative Protocol for Mortgage Supervision as well as the Nationwide Cooperative Agreement for Mortgage Supervision. A concurrent mortgage servicing examination of PHH was conducted by the Florida Office of Financial Regulation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
YOUR COMPLAINT I purchased furniture from XXXX XXXX XXXX in the XXXX in XX/XX/2019. I paid {$5200.00} for the order using a store credit card from Synchrony Bank. We did not receive the furniture delivery and when we contact the store they were no longer in business. We reached out to Synchrony to dispute the purchase and receive a refund since we did not receive the merchandise. Synchrony has not been helpful in resolving this matter. They have also damaged our credit since they reported the account as late or delinquent. We requesting a full refund and removal of the debt since we never received the merchandise from the merchant and Synchrony was aware of these issues. XXXX XXXX called me and stated that they moved to a different store and that they would contact synchrony to issue a refund

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Reporting the same Department of Education Balance twice. How can the same charge show up 2 separate times? Not only were these being updated during the pandemic, which the CARES ACT put a halt on all student loans, but I paid them off and was promised they would be removed. I trusted the Department of Education, which I paid close to {$2500.00} when money is extremely tight, to honor their word. Now not only are they reporting the same account twice but they are leaving them on making getting transportation and housing much harder and much more expensive. 

The struggling now are struggling more than ever. Our own Department of Education and TransUnion and XXXX  are hurting us more than anyone else. 
1. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Installment XXXX XXXX  XXXX XXXX, WI 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 2020-09-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
I was going through my credit report and came across a collection from Portfolio Recovery Associates, LLC. I have never done business with them in the past, however they are attempting to recover a {$440.00} debt from me, that I have no knowledge of. I have sent them Debt validation letters. However there response is an itemized bill in my name, that I have no knowledge of originally creating. According to UCC - Article 3 - 3-501 ( b ) 2 ( 1 ) I am entitled to demand presentation of the negotiable instrument, which is my ORIGINAL WET INK SIGNATURE PROMISSORY NOTE. This is required to establish their right of enforcement as holder in Due Course via a chain of assignment as evidenced by the note. They have not provided any of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WorldRemit Corp.
State: MD

Complaint narrative:
I sent {$220.00} to a recipient in XXXX on XX/XX/XXXX. They sent an email saying my recipient was going to receive the money within a few minutes. As I write this complaint, they have not been able to pay this amount on the pretext that their partner in XXXX has not resolved the problem. I have made at least 8 phone calls to follow up but this issue has continued pending. 

I requested them to cancel the transaction and refund me, but they have refused. 

I do not have any logical recourse as at now. Also, this was a time sensitive payment which has resulted in irreparable losses. I therefore seek your help in rectifying this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Unable to open an account
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
I requested my early warning report and I realize some fraudulent accounts opened in my name. here are the list of fraudulent accounts opened in my name : Bank Name : XXXX  XXXX XXXX Account number : XXXX routing number : XXXX Bank Name : XXXX XXXX  Account number : XXXX routing number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Ability Recovery Services, LLC
State: NY

Complaint narrative:
This company originally tried to collect on this debt in 2017, I had it removed from my credit report because its not mine and the company had no information that concluded that it was mine. Now its back on my credit report again. Ive contacted the company by sending letters and nothing has changed

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 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Reporting the same Department of Education Balance twice. How can the same charge show up 2 separate times? Not only were these being updated during the pandemic, which the CARES ACT put a halt on all student loans, but I paid them off and was promised they would be removed. I trusted the Department of Education, which I paid close to {$2500.00} when money is extremely tight, to honor their word. Now not only are they reporting the same account twice but they are leaving them on making getting transportation and housing much harder and much more expensive.

The struggling now are struggling more than ever. Our own  Department of Education and XXXX  and Equifax are hurting us more than anyone else. 
1. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX XXXX. 
Account number XXXX Account status Closed Date opened XX/XX/2014 Account type Installment XXXX XXXX XXXXXXXX XXXX, WI XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
The notes say {$730.00} was written off but I paid it and have the check to prove it. They also told me if they got it by XX/XX/19 it was good. They got it on time.. It seems you are treating me unfairly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: HI

Complaint narrative:
Bank of America is making the entire covid forbearance experience confusing and stressfull. I was given a 3 month forbearance. Before the process began B of A would say one thing and do the other. I began paying my mortgage again in full after the 3 month period ended. Then they sent an escrow shortage bill which I paid in full. I am behind 3 months which is to be expected and allowed per their instruction. Now I am receiving emails saying that I've made partial payments, which is not true. I've paid two months in a row and an escrow balance. The correspondence I've received is so confusing. I'm sure I'm not the only one. The bank really needs to get it together. They are taking my money and applying it in the wrong places and putting blame on me and threating foreclosure. They need to contact me outside of their website and app. This is not the way to assist customers in these difficult times.

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 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aargon Agency, Inc.
State: CA

Complaint narrative:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX  Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

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 2020-09-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: MA

Complaint narrative:
US bank closed my account without any notification and I did not receive the refund for the remaining balance.

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