vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I have been monitoring my credit. I noticed I was constantly getting derogatory marks and looked into it. I contacted the company in question, Sunshine Credit Services on XX/XX/XXXX. I spoke with XXXX XXXX. I informed him that I had not received anything notifying me of the attempt to collect however the company had reported derogatory marks to the credit reporting agency in my behalf. I also informed him that I am a XXXX XXXX XXXX XXXX XXXX veteran, with no ability to pay. I was informed that his supervisor XXXX XXXX said the policy was to report weekly after their attempt to contact me and asked had I received a letter of intent to collect from the company. I explained I had not and asked to speak with the supervisor. I then spoke with XXXX XXXX, who was very rude as I asked about the policy and how to obtain a copy of the recorded conversation. Mrs. XXXX asked me why I wanted a copy of the conversation and told me it didn't matter they were still going to report every week, and my credit is still going to be messed up until I pay them. Also without contacting me, Sunshine Credit Services attempted, without prior authorization and/ or notification, to draft {$1600.00} from my XXXX XXXX XXXX account on XXXX XXXX. Thank God the bank noticed it and blocked the attempt, forever I had to cancel the debit card associated with the account at that time and be issued a new one.

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 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
The checking account in reference is # XXXX and the problem began opening a checking account with direct deposit at the XXXX XXXX, NJ branch office of Chase. I had received an advertisement in the mail that stated if I opened a checking account at a branch with direct deposit, they will provide a {$300.00} bonus. So I opened the checking account at the referenced branch, showed the representative the advertisement, and he told me that the direct deposit has to kick in and then I will get the {$300.00} bonus. I went back after 3 months and asked them why I didn't get the funds, and they had no idea what I was talking about. This is false advertising and in violation of federal regulations. They should reimburse me for the funds they stated I was supposed to receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: TX

Complaint narrative:
In XXXX on/around XX/XX/19, I attempted to buy an item from XXXX XXXX. Financing was offered through XXXX. The order never got processed because I needed a prescription for the item. I contacted XXXX & XXXX XXXX via phone & email & the order was cancelled & refunded on XX/XX/19, before processing, shipping, and billing. XXXX closed the loan, I have no access to it & they were fully refunded. The first payment wasn't due until XX/XX/XXXX. All these ordering, cancelling, & refunding events were completed within 9 days. However, in XX/XX/XXXX, XXXX appeared on my Experian report. I contacted XXXX & was told that their A credit reporting goes out in batches & that's how it showed up on my credit. But, they never extended credit to me nor reached the XXXX billing cycle, nor receive a completed order. After contacting XXXX, I attempted to dispute the item through Experian & both times it was verified as accurate & staying on my credit. The most recent dispute was completed today. I sent Experian all contacts through email, the order information in the XXXX website, showing cancelled order, closed loan account with no monies available to borrow & a full refund from XXXX XXXX on XX/XX/19. Yet, they accepted the verified answer from XXXX. After the first dispute results, I contacted XXXX again, which has been over 10days & they are now strong arming through the Credit Reporting Agency Experian, as well as ignoring my email contacts. Please help, this is fraudulent reporting. **I also have several more attachments but I've tried several times to attach/upload them, to no avail. I can send them via email if you send me an email address. They show the account closed on XXXX site on XX/XX/19, email communications, the experian accounting, as well as dispute information. 
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 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
This is a fraudulent charge and I was contacted by the Amex. numerous times and I tried to pay the entire amount just so they would not report as a charge off every other month to pull my credit score down to punish me for the debt, that they deemed fraudulent. I was told to contact the Collection Agency in which I contacted them and was told by them they no longer held my file, I again several times asked to speak with someone in Management who I was attempting to just pay it off and was told no in Management couldn't do no more than the Representative whom I was speaking with and I was denied access to speak with someone in Management. Every other month they hit me with a fresh Charge off as a way to hurt my Credit. I contacted XXXX and shared with them how I was being treated and was told that wasn't the way they were supposed to fix the problem. So again a dispute was initiated by a Representative of XXXX in an attempt to resolve the problem. I have never been told that I could not pay to clear up a matter. I have been trying to get this taken care of since XX/XX/2019.I am a XXXX  and XXXX XXXX XXXX XXXX  XXXX injured in the line of Duty and very limited by what I can not do and I am very frustrated by the total lack of support trying to get this problem fixed so every other month my credit score is damaged by this one Company American Express credit card. Thank you for any suggestions or help you may be able to help me with. 
on

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We learned that our bank account had been hacked and so ... 
Tonight my wife went online to place credit freezes with XXXX, XXXX and Experian. The first two were a breeze, free, easy, done. Experian offered a freeze as part of a service costing {$4.00} for the first month and $ XXXX thereafter. With a further search, she located the free form, completed it online just as with XXXX and XXXX but Experian rejected the application and gave instructions on what hard copy materials to mail. 
My wife tried earlier in the day to reach Experian but the qualifying questions asked to confirm identification would have required an extensive records search of past mortgages and so she abandoned the effort. Phone and online are not easily available alternatives when it comes to Experian. Our experience was substantially poorer than with the other two companies, XXXX and XXXX. We will now have at least a week of delay because we will have to mail materials to Experian and then wait up to three days from receipt for Experian to act.

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 2019-09-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
We held a credit card account with Bank of America ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, Bank of America sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with Bank of America, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when Bank of America can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.

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 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
In XX/XX/XXXX my credit was good, with 20+ thousand dollars I was struggling but making timely payments for a long time. Then I get this letter from XXXX XXXX XXXXt, I called their number, they tell me that they can slash the Debt in half, that they know the credit language and they they know how to talk to my creditors, they I should not fear anymore, that my credit would drop a little but that it would go back up in six months. I couldnt believe it! But what really happened was that they let all my accounts default and eventually making me lose all of my accounts that were in good standing since the beginning, they scammed me, they didnt tell me the truth. Later I was filled with collections all over the place, they advised not to talk to my creditors, after a year and a half I saw they were not getting anywhere with my debts I started making settlements with my debtors myself. At the same time I was paying XXXX XXXX XXXX to pay the people they had already settled with, at the last I was Almost finishing an account to finally graduate from the program. It was a XXXX XXXX account number : XXXX, XXXX made an agreement with the collection company by the name XXXX XXXX. The agreement was payments totaling {$1500.00}. Just as I was about to make a final payments in XXXX they drop me out of the program, I called XXXX XXXX, they tell me they have no jurisdiction over the account anymore, they gave me a number to a company by the name Resurgent, I get in contact with ReSurgent and they tell me that the payment bounced, that thats why. But that was inconsistent because my account had sufficient funds ( {$510.00} ) they had taken the payment and put back into my account to default the settlement, they balance was {$2400.00}, when they returned the money it went back to {$2500.00}. Incidentally that was the same company that sent me letters claiming that I owe them money in the middle of XX/XX/XXXX, I found the letter suspicious, in the letter I had to dispute the Debt, I looked online how to do it and sent them a dispute letter in XX/XX/XXXX, theyve been selling this account all over the place to make me pay it, and Ive paid more than enough with all their tricks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
We held a credit card account with XXXX XXXX XXXX ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.

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 2019-09-11 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: CA

Complaint narrative:
We held a credit card account with XXXX XXXX XXXX ( XXXX Visa ) going back to XXXX. We moved to XXXX in XXXX, but kept our US bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX  sold these accounts to XXXX XXXX and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
We held a credit card account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX going back to XXXX. We moved to XXXX in XXXX, but kept our XXXX bank accounts active and had this credit card on automatic payments monthly. At some point, XXXX XXXX XXXX sold these accounts to XXXX Bank and our automatic payments became null and void. We were unaware of this change for a number of months due to the delay in getting correspondence to us in XXXX. We were finally made aware when a collections agency contacted us with regards to our account. At this point, we made a payment arrangement with the collections agency and paid the full balance owing on the card. 

Our credit report shows FAR more late payments than was actually the case, firstly. Secondly, the account has been paid in full. Thirdly, when I tried to resolve the matter with XXXX XXXX XXXX, they can not even locate our account in their archives or anywhere to corroborate our account details. We shouldnt be penalized when XXXX XXXX XXXX can not corroborate our late payments or whether or not the account was paid in full. We have all of our documentation still on file.

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 2019-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I have a checking account with wells fargo. I had someone steal my debit card so I submitted several disputes. Wells fargo approved two of the disputes no problem and issued credits, but denied the other fraud disputes due to the fact that they " came to the conclusion there was no error in the transactions '', however the disputes were all for the same transaction from the same vendor. They approved two of the disputes for smaller dollar amounts the larger disputes they rejected. Now I got a letter stating they will be closing my account on XX/XX/XXXX, I want my money back for the other fraudulent transactions. Below is a list of the disputes, and the results. 

All of these transactions were made at a casino ; I did not authorize these transactions I Want my money back, please help. Wells fargo to date closed in total {$7300.00} XX/XX/XXXX - {$280.00} - closed no credits issued XX/XX/XXXX - {$1300.00} - closed no credits issued XX/XX/XXXX - {$1000.00} - credits were issued same merchant reported same date? 
XX/XX/XXXX - {$500.00} - credits were issued same merchant same date reported? 
XX/XX/XXXX - {$1000.00} - closed no credits issued XX/XX/XXXX - {$3600.00} - closed no credits issued, asked for an explanation none was given. 
XX/XX/XXXX - {$970.00} - closed credits reversed In addition I wells fargo reversed {$870.00} in credits with no explanation please help. In total I am still waiting on over {$8000.00} in credits that they failed to issue nor provide an explanation.

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 2019-09-11 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: Army and Air Force Exchange Service
State: OH

Complaint narrative:
I disputed a error on my credit file from Army/Air force exchange around XX/XX/XXXX it is showing a late payment for XXXX $ on XX/XX/XXXX. I never received a invoice this month for and i feel like the error should be corrected. I've never been late before with this company.

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 2019-09-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I never went or got a loan for a car.

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 2019-09-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: DC

Complaint narrative:
On XX/XX/XXXX I received email alerts from XXXX, XXXX & XXXX that Fair Collection & Outsourcing was reporting a " Collection '' debt in the amount of {$8100.00} from a creditor name ( XXXX XXXX ) opened XX/XX/XXXX. 

I recently visited the XXXX XXXX XXXX XXXX ( Management Company for XXXX XXXX ), as I have never heard of this company or done any business with them. The Property Manager ( XXXX XXXX ) have stated they have no records of me leasing with them in XX/XX/2019, or me owing a balance with them. I have also visited the same day the XXXX County court house in XXXX, MD to see if I have a public judgement of any kind ( which would have been reported on my credit report by XXXX XXXX if I owe them ) but there is no judgement.

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 2019-09-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: STERLING JEWELERS, INC.
State: NY

Complaint narrative:
In XX/XX/XXXX my credit was good, with 20+ thousand dollars I was struggling but making timely payments for a long time. Then I get this letter from XXXX   XXXX XXXX, I called their number, they tell me that they can slash the Debt in half, that they know the credit language and they they know how to talk to my creditors, they I should not fear anymore, that my credit would drop a little but that it would go back up in six months. I couldnt believe it! But what really happened was that they let all my accounts default and eventually making me lose all of my accounts that were in good standing since the beginning, they scammed me, they didnt tell me the truth. Later I was filled with collections all over the place, they advised not to talk to my creditors, after a year and a half I saw they were not getting anywhere with my debts I started making settlements with my debtors myself. At the same time I was paying XXXX XXXX XXXX to pay the people they had already settled with, at the last I was Almost finishing an account to finally graduate from the program. It was a Sterling Inc. account number : XXXX, XXXX made an agreement with the collection company by the name XXXX XXXX. The agreement was payments totaling {$1500.00}. Just as I was about to make a final payments in XXXX they drop me out of the program, I called XXXX XXXX, they tell me they have no jurisdiction over the account anymore, they gave me a number to a company by the name XXXX, I get in contact with XXXX and they tell me that the payment bounced, that thats why. But that was inconsistent because my account had sufficient funds ( {$510.00} ) they had taken the payment and put back into my account to default the settlement, they balance was {$2400.00}, when they returned the money it went back to {$2500.00}. Incidentally that was the same company that sent me letters claiming that I owe them money in the middle of XX/XX/XXXX, I found the letter suspicious, in the letter I had to dispute the Debt, I looked online how to do it and sent them a dispute letter in XX/XX/XXXX, theyve been selling this account all over the place to make me pay it, and Ive paid more than enough with all their tricks.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation