vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: GAMACHE & MYERS, PC
State: MO

Complaint narrative:
On XX/XX/XXXX I tried to use my debit card and found that my account has been garnished. I collect XXXX XXXX and have been since XXXX. On XXXX XXXX the attorney for the debitor ( XXXX ) filed a release of funds with the court and XXXX XXXX XXXX. Today ( XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX said there is still a garnishment from the courts. XXXX XXXX  XXXX is charging me {$120.00} in legal fees and sending the attorney {$100.00}. XXXX XXXXXXXX XXXX should have protected my funds hence I shouldn't have to pay their legal fees

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC
State: NC

Complaint narrative:
Military Deployment XXXX XXXX XXXX My wife was deployed with the XXXX XXXX to another country. During this deployment, our pharmacy XXXX Pharmacy billed all prescriptions through XXXX, which XXXX accepted. Upon return from deployment, XXXX claims that XXXX should have been the insurer and sent the bill back to XXXX Pharmacy. XXXX Pharmacy attempts to collect from us, so we manually bill XXXX. XXXX claims not to have a contract with XXXX during the time period above and refuses to pay the bills from the pharmacy. 

The bill is for XXXX, which is now handled by " Receivable Management Services LLC '' as the debt collector. I have contact all XXXX parties ( XXXX, XXXX, XXXX ) and explained the timeline, but they have all refused to assist.

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 2022-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ORG GC GP BUYER, LLC
State: FL

Complaint narrative:
THIS COMPANY HAS REPORTED ME TO ALL 3 CREDIT BUREAUS A COLLECTION ACCOUNT I KNOW NOTHING ABOUT & WAS NOT NOTIFIED. THERE LAST RESPONSE STATED MY ADDRESS DID NOT MATCH, HOWEVER THIS COLLECTION ACCOUNT IS STILL REPORTING AS A NEGATIVE ACCOUNT THAT IS HURTING MY CREDIT. THIS ACCOUNT WAS NOT VALIDATED AND WANT IT OFF MY CREDIT REPORTS UNTIL THIS ACCOUNT CAN BE VALIDATED BY LAW G C SERVICES XXXX XXXX  {$470.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Pendrick Capital Partners
State: TX

Complaint narrative:
This company has repeatedly sent me via mail debt collection that does not belong to me. It has other people 's names on the document with the same last name as me. I do not know these people, I am not related to these people and I have not had any XXXX XXXX. I have already ask them to stop this false information, and to stop contacting me. The continue to harass me via mail. If someone could contact them and please let them know this is not me and to stop harassing me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Cashco Financial Services, Inc
State: NV

Complaint narrative:
On XX/XX/XXXX, I noticed a {$380.00} deduction on my paystub. I had no idea what this deduction was for and inquired with my HR department. They immediately mailed me paperwork regarding this garnishment, and then XX/XX/XXXX, I received paperwork in the mail from XXXX XXXX representing Cashco regarding a garnishment from them. this paperwork was dated XX/XX/XXXX. Almost 3 weeks is a very long time for them to wait to send me. I feel that they were waiting until they received the garnished money before they mailed. However, this is not my major complaint. 
My major complaint is that I had no idea what this garnishment was for. The court paperwork stated that it was an original debt amount of {$1500.00} that was entered against me on XX/XX/XXXX. 15 years ago. And that the current amount due was {$10000.00} due to continually accruing interest. I mailed paperwork to the courthouse ( that is in a different state than I live in ) and received no response. Finally, I called Cashco and explained to them that I had no idea what this was for and wondered why I had never been notified before when I had the same address for many years and always worked a tax paying job all of these years. They mailed me a piece of paper that showed a {$990.00} amount financed that the guy I spoke with at Cashco said was in the form of a check to fix my transmission. I have gone back on every record, memory, asked friends, etc to recall what this may have been for 15 years ago. I can not. 
The main point of my dispute is that this was 15 years ago. As I said, I had the same address for many years and have worked tax paying job all of these years. I do not feel that this exorbitant amount of interest should be legal. In the past 4 months, they have garnished over {$4000.00} already. It does not seem right that they can neglect to inform someone of a debt that they feel you owe and then just let it sit and incur interest charges for 15 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: MN

Complaint narrative:
On XX/XX/XXXX, my credit score dropped XXXX points. The ONLY change was a minor increase to the balance on my XXXX secure card. I have never been late and generally pay it off every month. It's only a {$100.00} limit. 

On XX/XX/XXXX, there were 6 changes to my report, mostly decreased credit balances, XXXX of them shows my XXXX card balance down to owing XXXX XXXX Yet, my score only went up by XXXX points! 

This is unfair and inaccurate! I have worked really hard to improve my score and in one swoop, XXXX balance increase completely stripped me of all my hard work. 

Attached are screenshots from XXXX XXXX, the score matches my current score that is on Equifax. Please note, XXXX shows my current score at more than XXXX pts above and before the " dispute resolution '' was not than XXXX above Equifax XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: FL

Complaint narrative:
It was revealed in my credit report that a charge off account is inaccurate that I did not authorize. I would like this accounts immediately remove from my Equifax credit report : Account name : XXXX XXXX. Acct XXXX. Date open : XX/XX/XXXX, XXXX charge off date : XX/XX/2022. 

I Contact the creditor and spoke with a young lady by the name of XXXX, the agent was completed disrespectful and didn't assist me in what i needed regarding the account. 







If, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall - ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXXXXXX XXXX  XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha account without my written instructions 15 USC 1681c ( a ) 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following terms of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-11-22 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX # XXXX has violated my rights 15 USC 1681 section 602 A. States have the right to privacy 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not fumisha account without my written instructions 15 USC 1681c ( a ) 5 ) Section States no consumer reporting agency may make any consumer report containing any of the following terms of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 USC 1681-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate

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 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
Phone number called me several times a day over a period of weeks but i never answered and when I finally did, there was no mention that they were a debt collector. I asked her what 'portfolio recovery does and why they keep calling me ' and she refused to answer unless I confirmed my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
Select Portfolio Service cashed the following XXXX checks mailed by my bank in error after the mortgage was paid in full in XX/XX/XXXX. 
check # XXXX dated XX/XX/XXXX for {$750.00} cashed on XX/XX/XXXX check # XXXX dated XX/XX/XXXX for {$750.00} cashed on XX/XX/XXXX. 
I began communication via email and XXXX with XXXX  on XX/XX/XXXX, but have been rerouted and ignored. Each correspondence has included the documentation requested of me as per below : - copies of front and back of the XXXX checks - copies of my bank statements showing these XXXX checks ' debits- quite lengthy log of correspondences I've made with no response. 
The phone numbers I've been using : XXXX XXXX... XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX number reaches someone who transfers me to XXXX. I have left multiple messages for XXXX  to call me with no response to date. 
At one time I was provided this dispute ID - XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: MS

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY XXXX WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus XXXX, XXXX and equifax to delete said accounts and i am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. these accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. please help resolve this matter because it is illegal to report these accounts without written signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX : XXXX, XXXX XXXX XXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX : XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-11-22 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:
Ive contacted Transunion today XX/XX/2022. When speaking with the representative he advised to reach out to the CFPB to let them know that in regards to the FTC identity report that I uploaded, they were able to receive the FTC identity theft report but its not valid. I asked the representative how is the report not valid when this is the same FTC identity report that was used from the previous complaint I filed on XX/XX/2022 and they were able to remove a few inquiries prior as well as XXXX XXXX XXXX account that was on my report. Please remove the inquiries that I have requested to be removed on XX/XX/2022 under complaint # XXXX as well as XX/XX/2022 under complaint XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. PLEASE REMOVE THESE INQUIRIES FROM YOUR BUREAU AS THESE WERE NOT AUTHORIZED BY ME.

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 2022-11-22 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: Chime Financial Inc
State: LA

Complaint narrative:
I opened a chime account in XXXX MIND YOU Ive never used the account.. I downloaded the app received the card AND EVERYTHING!! so when I went back one day to check the account it was LOCKED never even made a transaction so I called in to see why they said I needed to further verify my identity .. so I sunt in the documents XX/XX/XXXX!!! Its goin on XXXX and my account is still locked!! Im heated because why lock an account hat hasnt even been touched!! Then false advertising like yall reach back in XX/XX/48 hours BUT THEY DONT ITS BEEN 2 months on going and the account is STILL XXXX LOCKED

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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 — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
According to my credit card issuer, " With Chase 's Zero Liability Protection you wont be held responsible for unauthorized charges made with your card or account information. '' I noticed unauthorized charges on my credit card while XXXX  on a family vacation in XXXX this summer : Post Date Merchant Name XXXX  Amount XX/XX/2022 XXXX XXXX XXXX {$4200.00} XX/XX/2022 XXXX XXXX XXXX {$1500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, from whom we had a prepaid rental car. This car was paid in full with a different credit card, a transaction that took place on XX/XX/2022 via XXXX. 
I did not authorize these additional charges with this vendor. 
I did not sign the credit card receipts. 
I was not aware the vendor would be making these charges on my credit card. 
I notified Chase of these suspicious charges via the online messaging service as soon as I noticed them listed in the recent billing activity of my online statement. 
I spoke with the merchant at XXXX XXXX XXXX in person and demanded the charges be returned as they were not authorized. 
He did not. 
I then formerly disputed the charges with Chase, after the merchant refused to refund them, and spent, in the end, months dealing with them trying to get them refunded. 
And, yet, I am still being held responsible for these charges when I did not authorize them. In the dispute, the vendor submitted altered documents that I did not sign, nor ever see. He forged my signature on credit card receipts. 
I've had this Chase Visa credit card for decades and have never had a late payment.

I have an excellent credit score.

I have never filed a credit card dispute in the past, as I'm lucky to have never been a victim of fraud before, that I'm aware of. 
In turn, I do not feel supported by my credit card company and don't understand why, nor can I accept that, I am being held responsible for these 2 unauthorized charges. They claim this was not a billing error and these are valid charges made by a merchant who, upon online investigation, has a history of doing this and is a scam XXXX. Chase Cardmember Services wrote in their last letter to me they " will not respond to future correspondence [ from me ] about it. '' I would like these two charges refunded as these fraudulent transactions are not valid. 
And I would like everyone to know to NEVER do business with XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
When Comenity took over the XXXX XXXX card from XXXX XXXX  XXXX I never received an alert or a new card. When I went to log into my new account I didn't have all the information I needed, I didn't know my new account number so I just closed the account and I was able to get a final balance. I eventually received a statement from Comenity with my final balance and I paid it off. I mailed a check on XX/XX/XXXX. I didn't set up the online bill pay because I couldn't find the whole account number on my statement and I couldn't get through the phone line. This month I received a statement that said I have a {$25.00} late fee because my check wasn't received until XX/XX/XXXX and it was due XX/XX/XXXX. There is no way it was received that late and if it was, it is the fault of the post office and my fee should be waived since I never am late and since it was postmarked way before the XXXX. And the only reason I didn't do online payment is because of the lack of information from them. I called them and was able to get through but customer service sounded like it was XXXX  to XXXX  and they have very little ability to do anything other than read through their script. She told me because I closed the account she could not waiver my fee. I closed the account because of the lack of information on my new account and the lack of availability of customer service. I am going to pay the fee right now because I don't want to risk them giving me more fake fees. But I would like the late refunded and I do not want a late payment on my credit score.

Company response to consumer: Closed with explanation