vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Hello, I have a complaint. After watching an Infomercial on TV about credit. I decided to get a copy of my credit report and sure enough it contains errors and 4 collection accounts I know nothing about them. I tried to reach out to Equifax by phone and I have not been able to reach anyone live for the past few weeks. I have also sent my disputes in the mail and I have yet to hear back. I'm not sure if they are open but I want to let you know what I am dealing with and hope we can get the situation resolved immediately. 

That said, I have 4 unknown collection accounts being reported on my Equifax credit file. The frustrating part about all this is that Equifax only list the name of the collection agency on my credit report- they do not list the companies address or my account number that is tied to the debts- I sent a letter to one of the collection agencies and they said they could not find an account with my name/address in their system. 

The following account that do not belong to me are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: CITIBANK, N.A.
State: WA

Complaint narrative:
On XX/XX/2020 I was browsing the XXXX website to see what the price of pre-sell tickets were to a concert I was planning on going to. The tickets didn't actually hit the market until XX/XX/XXXX. In order to get to the final page with fees and total, you have to input all your billing and shipping information. I saw that the price was 4 times the amount of face value ( XXXX for 3 {$120.00} a piece tickets ) and decided that I would take my chances getting logged in on the XXXX on XXXX to get them. As I was exiting the XXXX site, my screen changed to " Thank you for the Purchase '' and I did not ok the charge. I immediately called XXXX to tell them that I did not authorize that charge and to cancel the order. They continue to tell me that they do not cancel orders and that I was stuck with them. They said that my only option was to resell them on their site ( although the very next day XXXX posted that they are not allowed to sell these tickets due to it being a Charity event ). Without thinking that I had an option to dispute I had them put it up for resell. All this happened within 15 mins after the ticket was charged to my account. The dispute app on my phone said I had to wait until the charge was off pending before I can file a disput so I waited until it did which was XXXX XXXX. They initially refunded me while the investigated it. On XX/XX/XXXX they reversed the credit saying based on the information the reversed the credit and to show proof of cancelation which I only had a phone call to try and cancel and a respond email fro XXXX saying sorry about issue with order. I appealed the claim with Citi and the reopened the dispute on XXXX. They responded with they still will not help in my favor. At this point, I was promised by XXXX to recieve the tickets by XX/XX/XXXX. I did not receive the tickets and they were available to be transferred for over a Month by that time. So now tried to reopen the dispute for the reason of I didn't recieve the merchandise that was promised ( and I didn't purchase anyways. ) Citi reopened my dispute for 2 more weeks the replied that Since I tried opening a dispute with a cancelled charge first that was a conflict of statement with I didn't receive the ticket. Although they are different reasons and I acepted they were not going o take care of me for an unathorized purchase, I feel that Citi should be responible for taking care of their customer for not receiving good by the promised date of XX/XX/XXXX which I have proved proof of. I feel that I am getting the run around by to major corporations and that I have been a victim of fraud by Citi and 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 2020-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NC

Complaint narrative:
Recently, I disputed an account that is being listed on my credit reports by LVNV Funding LLC. The results of the dispute came back as verified and accurate. Thus, I wrote a letter to LVNV asking them to provide me with proof of contract and full accounting for the amount claimed to be owed. It has been over 30 days and I have not received a response to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: The Best Service Co.,Inc
State: CA

Complaint narrative:
On XX/XX/2020 I sent a dispute letter to the best service company because the credit bureaus said that they verified the debt they are reporting on my credit report is correct. The letter basically requested a copy of the contract that I apparently signed with them along with other pertinent documents to prove that they have a right to report to the 3 major credit reporting agencies. 

As of today I did not receive any correspondence from them. 

I have attach a copy of the letter mailed to them along with the certified mail reciept

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
Ally Financial is reporting an erroneous late on my credit file for XX/XX/2020. I was never late!!! This is a charge off that I paid off. I should not have any recent lates reporting. This is a violation and I am requesting that Ally fixes this immediately.

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 2020-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Public record information inaccurate
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I called my mortgage servicing company to as what they are offering as far as forbearance plans because I am a XXXX XXXXXXXX and wanted to be informed and inform my clients. The company, New Rez, under Shellpoint Mortgage Servicing, told me someone would call me back. They never called. Instead, I got a letter stating that I was now in a forbearance plan and did not need to pay my mortgage payment. I called them to clarify that I did not need the plan, I just wanted to get information. They apologized and even said that they would file a complaint on my behalf for the misunderstanding. After a few confusing letters contradicting each other, I called them back again on XX/XX/XXXX. They reassured me that I was not in a forbearance plan and that nothing would be reported to the credit bureaus. On XX/XX/XXXX, today, a change was made to my credit report stating that my mortgage was " affected by natural disaster ''. This is exactly what I did not want to happen. I never agreed to any terms of a forbearance plan, verbaly or otherwise. I payed my payment on time, every time. I even pay a {$100.00} more per month to bring my principle down faster. The companies website is https : //www.shellpointmtg.com/

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: UT

Complaint narrative:
XXXX XXXX is reporting an erroneous late on my credit file for XX/XX/2020. I was never late!!! This is a charge off that I paid off. I should not have any recent lates reporting. This is a violation and I am requesting that XXXX fixes this immediately.

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 2020-05-01 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: Shellpoint Partners, LLC
State: FL

Complaint narrative:
As of XX/XX/XXXX Shellpoint purchased my loan from XXXX I had a balance with XXXX of {$130000.00} and paid of {$7000.00} before they took over now I have a balance of XXXX. I also began a modification review with Shellpoint in XXXX of XXXX because I couldnt pay XXXX of mortgage and it went up again to XXXX so I requested a modification I fell behind but always paying. On XXXX I requested a modification and they continued to charge late fees, and other fees while under review. I then got an approval letter in XXXX XXXX, XXXX to immediately begin paying a trail payment of {$960.00} beginning XX/XX/XXXX not giving me a chance to recover what I was behind XXXX and XXXX. They have since reported me to all three credit bureaus at a highe mortgage payment owed XXXX instead of what I actually owed thats unclear {$130000.00} and Late payments for the months in which I was under review for the modification affecting my credit by aproximately 40 points from where I was hurting my credit. Covid 19 took a toll on everyone and Shellpoint didnt take this into consideration and continued to report my balances incorrectly and lateness while under review.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I was approved for XXXX Credit Card around XXXX with a credit limit of {$2500.00}. I used the card twice to make purchases and paid them off, but after making a 3rd purchase of {$1800.00}. The company approved my purchase but a couple of months later reduced my credit limit to {$1600.00}. Making my purchase be over my limit. 

I called to see why and have been told that the credit bureaus informed them that that was the highest amount that I could be approved for. 
I contacted the bureau was told that they did not inform them of this. 
I contacted XXXX again and they insist that this is what has happened. 

I am truly annoyed by this because of the impact on my credit report it shows that I went over my credit card limit and I did not. What can I do? 
Please assist me with this matter and I truly thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: ERC
State: AR

Complaint narrative:
My Credit report shows : " Paid. Closed. '' ( This language INACCURATELY represents the account, as the account has actually been " Paid In Full. '' Moreover, ERC ( Company filing complaint against ) has even provided a letter showing so. Please see text copied from original PDF below : In addition, I have requested the account be RECALLED and DELETED from my credit report. The Original Creditor has also confirmed the balance as XXXX DOLLARS. 

PDF Text of Payment Letter : XXXX XXXX XXXX Mispelled first name ; should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX www.ercbpo.com/help Office Hours ( Eastern Time ) : XXXX XXXX XXXX XXXX M Th XXXX XXXX   XXXX XXXX  F XXXX XXXX XXXX XXXX Sat. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance Paid : {$410.00} Reference # : XXXX XXXX XXXX : This is to inform you that we have received payment ( s ) totaling {$410.00}. Your last payment was received in our office on XX/XX/2017. The above referenced account is paid in full. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this offer ; if any payment ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: AL

Complaint narrative:
This letter is a formal complaint that you are reporting FRAUDULENT credit information. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
All accounts listed above are resulting from the identity theft that should be blocked.

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 2020-05-01 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: AL

Complaint narrative:
This letter is a formal complaint that you are reporting FRAUDULENT credit information. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
All accounts listed above are resulting from the identity theft that should be blocked.

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 2020-05-01 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: AL

Complaint narrative:
This letter is a formal complaint that you are reporting FRAUDULENT credit information. 
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 
All accounts listed above are resulting from the identity theft that should be blocked.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.

Complaint narrative:
I work in a XXXX company that imports goods from the United States, usually the company pays these suppliers in accounts in the United States. In the last days, a criminal has falsified the email identity of a supplier employee and asked us to change the payment account to another number. And this communication turned out to be a fraud. We learned that it was fraud when the provider notified us that you had not received payment and asked them to confirm the information. We want to report fraud and the account that received the proceeds of fraud through this channel is : Banking Information : Bank Name : JPMorgan Chase Bank Bank Address : XXXX XXXX XXXX, XXXX XXXX, NY XXXX Account Number : XXXX Routing Number : XXXX XXXX XXXX : XXXX The transferred value was XXXX usd I do not know the name of the beneficiary of the account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-05-01 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: AR

Complaint narrative:
My mom informed me that I received a letter in the mail from where I used to live stating that I owed a debt of child support. I have never been put on child support. I did a little investigating and I was told that someone has given my name and social security number to claim money every month. They have the wrong person. I decided to pull my credit report and it showed the exact same thing and several other accounts that had been opened under my name. These are unknown suspicious items I have never seen in my life. Please remove these fraudulent items from my credit report. CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISMISSED XXXX {$0.00}

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 2020-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: GA

Complaint narrative:
After watching an infomercial on TV about credit and how it is important to check it regularly, I decided to check mine even though I rarely use it. I discovered an unknown account on my credit from a company called Enhanced RecoveryXXXX it says its for XXXX. I have had XXXX XXXX XXXX for the past 10 years and I have never had an account with XXXX. I don't know where they- Enhanced Recovery get their data from but this is far from the truth!! I have also loved at my address for 10 years and I have never received a notice or call from them. I feel like my rights have been violated. I have sent them a dispute notice and I have yet to hear back. I know the pandemic has slowed things down a bit- I get it- but the account should have never been placed on my credit in the first place. 

ENHANCE RECOVERY ACCOUNT XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-01 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: AR

Complaint narrative:
My Credit report shows : " Paid. Closed. '' XXXX This language INACCURATELY represents the account, as the account has actually been " Paid In Full. '' Moreover, XXXX ( Company filing complaint against ) has even provided a letter showing so. Please see text copied from original PDF below : In addition, I have requested the account be RECALLED and DELETED from my credit report. The Original Creditor has also confirmed the balance as XXXX DOLLARS. 

PDF Text of Payment Letter : XXXX XXXX XXXX Mispelled first name ; should be XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX ( XXXX ) XXXX www.ercbpo.com/help Office Hours ( Eastern Time ) : XXXX XXXX  XXXX XXXX M Th XXXX XXXX   XXXX XXXX F XXXX XXXX XXXX XXXX Sat. 
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance Paid : {$410.00} Reference # : XXXX XXXX XXXX : This is to inform you that we have received payment ( s ) totaling {$410.00}. Your last payment was received in our office on XX/XX/2017. The above referenced account is paid in full. 
This agreement is contingent upon the successful clearance of all payment ( s ) made towards this offer ; if any payment ( s ) made as part of this agreement fail to clear, this letter will be null and void. 
XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX

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