vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion has had my account frozen and ... '' In Dispute " ..for over 9 months. I can not even get a response. I am on hold till they obey the law

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Please consider this my formal complaint against Equifax Credit Information Services, LLC. 
At the start of XX/XX/XXXX I ran my credit report and found Equifax was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX.  I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so. 
I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Equifax Credit Bureau and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Equifax Credit Bureau has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Equifax again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report. XXXX, which Equifax clearly lists as the company they verified the bankruptcy with, does NOT list a bankruptcy on my report ( see attached ). 

- Per FCRA 623 ( a ) ( 5 ), If the Credit Bureau can not VALIDATE the information with the ORIGINAL CREDITOR, they must remove said information from the consumer credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX, Transunion and XXXX are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.gov/press-release/ag-schneiderman-announces-groundbreaking-consumer-protection-settlement-three-national I also have received a notification from the law firm about class action that XXXX  lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices.

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.

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 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX, XXXX  and Equifax are all violating the lates ruling by the attorney general. DISMISSED BKS SHOULD NOT BE REPORTING ON CREDIT REPORT AS THEY ARE NULL NON EXISTENT PUBLIC RECORDS ... In response to a recent Attorney General settlement, the National Credit Report Agencies are supposed to significantly reduce the amount of Bankruptcies, tax lien and civil judgment information found in consumer credit files by XX/XX/2017. 

https : //ag.ny.govXXXX I also have received a notification from the law firm about class action that Equifax lost and had to pay out due to FCRA violation by issuing consumer disclosures containing " public record '' information ( such as tax liens, judgments, and bankruptcies ) without identifying the vendor it employed to obtain the information from courthouses and other government offices.

I hereby request this erroneously report public record to be removed from my credit report immediately or I will no choice but to write to D.A. and report your bureau not complying with recently issued order.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/2018 I attended a XXXX XXXX XXXX XXXX XXXX 3 day workshop which I paid {$2000.00} to attend. From that workshop we were offered another workshop which would work with us until we earned 100 % of our investment. I paid {$21000.00} to attend that workshop. After realizing that none of the formulas they taught in the workshop were working for me I contacted the resource office. I spoke with a resolution specialist by the name of XXXX XXXX. There was an agreement to a refund of about half of the money. She emailed me a settlement agreement and mutual release on XX/XX/2018. As I read through the agreement I did not feel right about signing the agreement because of the language used and obligations I would be forced to comply with and I would only get a partial refund so I did NOT sign the agreement. Instead, I contacted my credit card companies that i used to pay the workshop with. XXXX kept the charges of {$4200.00} paid to XXXX XXXX and Capital One kept the charges of {$4700.00} and {$250.00} on my account paid to XXXX XXXX after their dispute process although there was a the settlement agreement that agrees to a refund all services paid for were not rendered.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I was given my first bill on XX/XX/18. I enrolled in automatic recurring payments on XX/XX/18 so that I wouldn't be late. Then on XX/XX/18 I was considered late for my bill and charged a {$25.00} fee. I contacted and they said you have to be enrolled before the bill is posted for it to count. I was not notified I was late until XX/XX/18 by email.

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 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I had a Citi Prestige card. I rarely used the card, so when the annual fee of {$450.00} came due in XX/XX/2018, I called Citi to inquire about switching the Prestige card to a free card with no annual fee. Citi said that I could switch to the Preferred card for no fee and could get my roughly XXXX Citi ThankYou reward points transferred from the Prestige card to the Preferred card. Citi closed the Prestige card and sent me a new Preferred card. However, the {$450.00} fee from the Prestige card appeared on my Preferred card balance for XX/XX/2018. I contacted Citi multiple times through several different communication channels asking why the fee was posted to the Preferred card and if I needed to pay it. I specifically mentioned my concern with potential negative credit reporting consequences. Multiple Citi representatives told me that it was fine, the fee would be removed, I didn't need to pay it and there would be no negative credit reporting. Eventually, in XX/XX/2018, the fee was removed. However, Citi is currently reporting that I was 30+ days delinquent in XX/XX/2018. I've followed up with them several times to no avail. In addition, the XXXX reward points -- worth several hundred dollars -- were not transferred to the Preferred card as promised. I would like my credit report fixed and my ThankYou award points restored. 

Note : this is not the first time I have had problems with closed Citi accounts and credit reporting. This appears to be a systemic issue for Citi and their customer service is woefully lacking.

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 2019-01-02 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am a Bank of America Cardholder ( Cash Reward ). On XX/XX/XXXX my husband purchased a XXXX XXXX from XXXX for the amount of {$1100.00} on my very old CC that left home. ( out of my knowledge that old card still working ). I had my new card with me in XXXX. When i saw the transaction online I called Bank of America right away to cancel the card. BA cancelled the delivery. BA credited it back on my account but on XX/XX/XXXX, they charged it back to my credit card ( {$1100.00} ). 
I been trying to resolve the issue many times for 3 years but all they did was to reopen the case and denied over and over. 
I paid the charge of XXXX for the XXXX XXXX  that was cancelled and never delivered. I been calling BA and XXXX back and forth but they've been pointing fingers to each other. 
On XX/XX/XXXX between XXXX-XXXX I called BA fraud department Delaware, I spoke with XXXX, she said the money is with them. and they will give it back to XXXX and will take 45 business days. XXXX said the dispute has been resolved and please refer to the issuing bank, the money was returned to Bank of America. 
On XX/XX/XXXX at XXXX XXXX i spoke with XXXX from the Fraud Department of Bank of America Delaware she said the money still with them and never left because the other representative did a wrong process. 
I called again on, XX/XX/XXXX, XX/XX/XXXX, followed XX/XX/XXXX. It I tried again many time on XXXX and XXXX but still nothing happened. 

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 2019-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I am trying to transfer membership rewards points to my own frequent flyer account ( XXXX XXXX ) got message " This action will not be completed because of an attempt to sell or otherwise transfer Membership Reward points to someone else which is not permitted under the terms and conditions of the program '' I am not selling these points and they are going to own frequent flyer account. My family was saving these point for once a life trip and seats might not be available if transfer is held by 4-6 weeks. We called customer service and they said 4-6 weeks without even giving time when those 4-6 weeks starts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Please consider this my formal complaint against Experian National Consumer Assistance Center.

At the start of XX/XX/XXXX I ran my credit report and found Experian was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX. I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so.

I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the Experian report and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed Experian National Consumer Assistance Center has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote Experian again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report ( see attached ). I stated I had letters from the 2 major data mining companies ( XXXX & XXXX ) as well as the letters from the bankruptcy court. Experian still insists they have verified the bankruptcy.

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 2019-01-02 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Collection Systems, Inc.
State: NM

Complaint narrative:
Debt is from the college I attended for my XXXX  study. It is the fee to graduate. Was not notified that it would go to collection, nor was I notified that it was with a collection agency. No one contacted me. I called school to pay and was told it was with a collection agency. Paid the debt with the collection agency and it is still appearing on my credit report months later. I was told it would be removed from my credit once I paid it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2017 I paid off my XXXX XXXX XXXX XXXX XXXX XXXX, license plate XXXX, VIN # XXXX. Chase Auto finance has failed to release the lien after 3 requests. The State of California Department of Motor Vehicle is requesting a certified copy of the lien release in order to issue title and still shows Chase as a lease holder. I have contacted Chase 3 times and provided this information. Each time I was told they would notify DMV electronically and a certified lien release wouldnt be necessary. After 3 failed attempts to DMV, Chase is still the lien holder and will not issue me title with our a certified hard copy of a lien release from Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 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: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018 I attended a XXXX XXXX XXXX XXXX XXXX 3 day workshop which I paid {$2000.00} to attend. From that workshop we were offered another workshop which would work with us until we earned 100 % of our investment. I paid {$21000.00} to attend that workshop. After realizing that none of the formulas they taught in the workshop were working for me I contacted the resource office. I spoke with a resolution specialist by the name of XXXX XXXX. There was an agreement to a refund of about half of the money. She emailed me a settlement agreement and mutual release on XX/XX/2018. As I read through the agreement I did not feel right about signing the agreement because of the language used and obligations I would be forced to comply with and I would only get a partial refund so I did NOT sign the agreement. Instead, I contacted my credit card companies that i used to pay the workshop with. Chase kept the charges of {$4200.00} paid to XXXX XXXX and XXXX XXXX kept the charges of {$4700.00} and {$250.00} on my account paid to XXXX XXXX after their dispute process although there was a the settlement agreement that agrees to a refund all services paid for were not rendered.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CMG Financial Services, Inc.
State: NM

Complaint narrative:
On several occasions, we have received letters from a company that are deceptive, in that they make the ads look like they come from our mortgage company but they do not. They add language which says the matter is urgent or important and refer to our mortgage company, as if they are the mortgage company. They do not say who they are or disclose their name, but only contact information in a trap to scam or sell us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
EXPERIAN AND XXXX  ARE WRONGFULLY REPORTING BANKCRUPTY ON MY CREDIT REPORT. I first disputed this with EXP and XXXX  who stated that they " verified with the creditor -COURT- I contacted the court -clerk 's office and received in writing statement saying they do NOT communicate, report, confirm or verify any information with the bureaus so this validation by EXPERIAN AND XXXX  IS A LIE/ FRAUD 2 ) I then was told that they receive this public records information from company called XXXX XXXXwhom I contacted they TOO stated in writing that they did NOT communicate with Experian or XXXX  about my file , they also sent request but did NOT hear from them- see attached proof. so this validation by EXPERIAN AND XXXX IS A LIE/ FRAUD 3 ) XXXX XXXX- mailed me deletion statement for this public record being deleted/null/non existent in my name and my ss # which I forwarded to the credit bureaus EXPERIAN AND XXXX. Who in turn AGAIN sent me statement saying they " verified with the furnisher the information reported being correct and accurate ... ''

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 2019-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
Please consider this my formal complaint against TransUnion Consumer Relations. 
At the start of XX/XX/XXXX I ran my credit report and found TransUnion was reporting a Bankruptcy chapter-XXXX discharged on XX/XX/XXXX. I wrote them to dispute this derogatory report at least 3 times asking them to VALIDATE the bankruptcy report. They came back with it being verified as accurate each time. I made it a mission to find out how this was so. 
I wrote to the County Recorder of Deeds and the Bankruptcy Court in the county the bankruptcy was being reported from. They reviewed the Public Record section of the TransUnion report and mailed me letters ( see attached ) which stated that they do NOT provide any information to credit reporting agencies, nor do they ever validate and/or confirm public records. It is the credit reporting agencies, and/or other third-party providers who collect information regarding public cases from public records. Public records information is NEVER validated by the Recorder of Deeds nor the U. S. Court system due to the Fair Credit Reporting Agency PRIVACY LAW. My inquiry to the County Recorder of Deeds and U. S. Bankruptcy Courts confirmed TransUnion Consumer Relations has never validated or verified these public record entries on my credit report, neither will they ever be by them. They further stated while they are NOT liable or responsible for any MISUSE or INCORRECT public records, nor the distribution of said information, public records may, and oftentimes are, reported by third party sources unaware to the consumer, and in most cases, incorrectly, so I found out who these third-party companies are & requested my reports. I wrote TransUnion again on XX/XX/XXXX and XX/XX/XXXX asking them to VALIDATE the derogatory report ( see attached ). I stated I had letters from the 2 major data mining companies ( XXXX XXXX XXXX ) as well as the letters from the bankruptcy court. TransUnion still insists they have verified the bankruptcy.

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