vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
The basis for my dispute National Credit Adjusters , LLC XXXX XXXX XXXX XXXX, XXXX, NATIONAL CREDIT ADJUSTERS, XXXX ..., {$650.00} - was required to notify me prior to XX/XX/XXXX, or no later than 30 days after. 

NATIONAL CREDIT ADJUSTERS, L.L.Cfailed to notify me about reporting derogatory info. to XXXX, XXXX, and XXXX XXXX section 603 ( p ) 15 U.S.C. ss 168s-2 ( a ) ( 7 ) ( A ) ( I ) ; The notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after XX/XX/XXXX, furnishing the negative derogatory information to a consumer reporting agency described in section 603 ( p ), 15 U.S.C. ss 1681s-2 ( a ) ( 7 ) ( B ) ( I ). Plus broke commercial law under UCC 9.501 that all notices were timely and properly given by dated certified mail receipt. They were not met. I asked for documentation & received no response. 


Also, NATIONAL CREDIT ADJUSTERS , L.L.C '' failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of Texas allows treble damages.

Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) National Credit Adjusters , LLC XXXX XXXX XXXX XXXX, XXXX failed to send me my initial communication before placing this alleged derogatory status on my credit reports further violating the FCRA, I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve NATIONAL CREDIT ADJUSTERS, XXXX held liable as well for defamation and in the state of Texas a creditor is who collects their on debt is considered a debt collector under FDCPA. XXXX v. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX ) citing XXXX v. XXXX XXXX XXXX XXXX ( Tex.App-Dallas XXXX writ XXXX XXXX XXXX. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Albert Corporation
State: OK

Complaint narrative:
On XX/XX/2023, my family and I went to have lunch after an XXXX We ate at the XXXX XXXX and the bill totaled {$120.00}. I handed my Albert card to the waitress to pay the bill. She returned and said the card had been declined twice and gave me the receipts showing it was declined. I then handed her my XXXX card and paid the bill. While she was running the XXXX card, I checked Albert because I knew there was enough money there to cover the transaction. It showed that Albert had charged me {$130.00} for the dinner despite declining the charge. I addressed this with the manager and she brought out the handheld POS system and showed me both declined transactions in their system and then the processed transaction using my other card. Albert is now refusing to refund my money. There is no reason for me to be charged and to be charged for more than the purchase on a transaction they declined. I have been exchanging emails with them all morning and they are saying I now have to get a letter from XXXX saying the charge was canceled. XXXX says the charge was canceled the minute the charge was declined by Albert. A {$120.00} lunch has now cost me {$260.00} due to Albert being thieves. How can you decline a transaction and still charge me for it? I have attached a screenshot of the text saying Albert declined the charges and a screenshot of the actual charge that they still made. Both declined and charged amount were more than the actual bill. I have also attached the 2 receipts from the declined transaction plus the receipts where my bill was paid using another card.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: VA

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a XXXX party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or XXXX party.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
There charging me late fees always had a 10 day grace period there charging {$9.00} late fees then reverse them now {$120.00} late fees I'm already paying there ridiculous interest rates. There customer service is the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
I applied for new credit and was notified that Eastern Account Systems Inc is reporting a delinquent account to the credit bureaus. There are 2 accounts reporting for 2 different amounts. 
The first account is for XXXX XXXX account # XXXX with a reporting date of XX/XX/20 in the amount of {$230.00}. I have no idea what this account is for. I have never received equipment from a company that I haven't paid for or was supposed to return. 
The second account is for XXXX XXXX, account # XXXX with a reporting date of XX/XX/20 in the amount of {$290.00}. Again, I'm not aware of a service of any equipment I received from a company XXXX. 
I've sent a certified validation of debt letter that was returned to me yesterday. I've tried reaching out to the company via telephone to no avail. I would like this debt validated with the original contract from the company that is claiming that I owe the debt. Eastern Account Systems will state that they work for the company and that they have not purchased this debt. I would like proof of a contract between Eastern Account Systems Inc and the creditor claiming that I owe this debt, showing that 1, they are allowed to collect a debt in the state in which I reside, and 2. this debt has not been sold by the creditor and purchased by Eastern Account Systems Inc . I do not owe this debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
A few weeks ago I sent letters to all XXXX credit bureaus regarding some items on my credit report which I know are not accurate. I know this is a violation of the FCRA and FDCPA so they must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party.

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 2023-06-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Village Capital & Investment LLC
State: FL

Complaint narrative:
On XX/XX/2023, I signed & returned the documents sent to me by Village Capital & Investment XXXX XXXX, in order to proceed with the VA Traditional Modification. I was advised that I was to make the new monthly payments of {$2500.00} beginning XX/XX/2023. I have made two payments and still have not received any final paperwork regarding this modification. Each time that I call, I've been on hold for 1-2.5 hours waiting for assistance. Just this month, I waited foXXXX XXXX hours and XXXX minutes to pay my monthly mortgage. They have a system that says you can " Press XXXX and you will retain your place in line and someone will return your call ''. I used that one time and NO ONE ever called back. Whenever I request a supervisor, I'm told " No supervisor is available, I can put in for you to get a callback ''. Yet, no supervisor ever calls back. I have been told of different timeframes for the completion of the paperwork. I've been told XXXX weeks, XXXX days, and " there is no timeframe '', and " we're waiting for the VA to send the check ''. I need to know JUST HOW LONG THE TRIAL PERIOD IS, WHEN DOES THE TRIAL PERIOD END, AND THE TRIAL PERIOD NEEDS TO END SOON!! I was afraid to NOT sign it and I would have lost my home. 
This is horrible. No one, not just veterans, should be subjected to this. Now, I'm afraid that Village Capital & Investment is just waiting to foreclose and take my home.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
By my mistake, a payment of {$8.00} was declined by my bank on XX/XX/2023. This immediately resulted in an {$8.00} fee being charged the same day, plus an interest charge of {$4.00} on XX/XX/XXXX. 

However, there was a new interest charge of {$5.00} on XX/XX/XXXX. I believe this charge of {$5.00} was mistaken and I would like to request a refund. 

Also, I would like to ask for a reconsideration of fees as I always pay my card bill regularly and have never been late on a payment. 

Thank you in advance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-06 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: FL

Complaint narrative:
I have a fraudulent account on my report and I sent in the ID theft affidavit and the consumer reporting agency had re-inserted this account to my report.

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 2023-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have a fraudulent account on my report and I sent in the ID theft affidavit and the consumer reporting agency had re-inserted this account to my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: CITIBANK, N.A.
State: GA

Complaint narrative:
A fraudulent account was opened in my name in XXXX of XXXX. Citibank sent a pre-filled credit card to an address I moved out of and someone got the information from it, charging it over the max. The address was XXXX XXXX XXXX XXXX, which I moved out of in XXXX of XXXX. I did not find out about this account until XX/XX/XXXX ( I never received any statements about this card, only collections calls ) and immediately had it closed and disputed. My dispute was denied, forcing me to file an official police report and Identity theft report. I filed these reports in XX/XX/XXXX and re-disputed the fraudulent account, assuming it would be easy to see that I was a victim of identity theft. However, to my dismay, Citibank has been extraordinarily difficult to deal with. I constantly call their fraud department, several times per week, asking when this account will be taken off my name. Their fraud department is a complete disappointment. I was even told by one of the employees that the reason my dispute was denied is that XXXX am the ceo of the company of one of the charges on the card ''. I am, in fact, not a CEO of any company. I work fulltime in a medical lab. 
No one can get me connected to a supervisor or manager to speak with about this account. Every request to remove this fraudulent account has been ignored by Citibank. I need help.

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 2023-06-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Receivables Management Corporation
State: VA

Complaint narrative:
Receivable management Corp. 
Disputed this charge years ago and still show no verification proof. From XXXX  until present for amount XXXX.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: CAINE & WEINER COMPANY, INC.
State: MO

Complaint narrative:
XX/XX/2023 Subject : Request for Deletion of Collection with Forward Follow Agreement Progressive I hope this letter finds you well. I am writing to formally request the deletion of my collection, as per the terms of the Forward Follow Agreement that was previously agreed upon between Progressive and Cain & We As outlined in the agreement, the purpose of the Forward Follow Agreement was to allow the collection of specific data for a predetermined period of time. However, the agreed-upon period has now come to an end, and I kindly request that you initiate the deletion process for the collection as specified in the agreement. 

Please ensure that all data related to the collection is completely and irretrievably deleted from your systems and any associated storage devices. This includes any backups or duplicates of the data that may exist. I also request that you provide me with a written confirmation of the completion of the deletion process. 

I understand that data privacy and protection are crucial, and I appreciate your attention to this matter. If you require any additional information or documentation from my end to facilitate the deletion process, please do not hesitate to let me know, and I will promptly provide the necessary details. 

I kindly request that you carry out the deletion process within [ specify a reasonable timeframe ] to comply with the terms of the agreement. 

Thank you for your cooperation in this matter. I look forward to receiving your confirmation of the deletion process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-06 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I attempted to call these companies and they forward me to calling XXXX, Equifax and XXXX. XXXX has removed them all as per according to law if they are due to fraud, unauthorized they must be removed as soon as possible. 

See below the inquires that I have never applied to. 

XXXX XXXX XXXX : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX + XXXX ( XXXX ) XXXX XXXX  XXXX XXXX  XXXX  Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX Inquiry : XX/XX/XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX XXXXXXXX XXXX : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX + XXXX XXXX ( XXXX ) XXXX XXXX  XXXX XXXX : XXXX. XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + XXXX  ( XXXX ) XXXX XXXX  XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX XXXX : XXXX XXXX, XXXX + Credit Union XXXX XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX  XXXX XXXX  Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX XXXX XXXX XXXX Inquiry XXXX XXXX XXXX, XXXX + Finance/Personal ( XXXX ) XXXX XXXX  XXXX Inquiry : XXXX XXXX, XXXX + Bank ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-06 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I attempted to call these companies and they forward me to calling Experian, XXXX and XXXX. Experian has removed them all as per according to law if they are due to fraud, unauthorized they must be removed as soon as possible. 

See below the inquires that I have never applied to. 

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 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 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 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 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-06-06 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: Conn's, Inc.
State: VA

Complaint narrative:
I have contacted these companies multiple occasions. As told by my realtor, this is making it very difficult for me to purchase a home for my children. These companies are in direct violation and I am seeking legal action.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!!

Please delete these items IMMEDIATELY!

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAl Cubiect to subsection ( c ) any consumer reporting agency may furnish a consumer report ur following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION consumer to whom it relates.

I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer.

NO CONSENT IS IDENTITY THEFT.

As a consumer I amdemanding the deletion of the accounts listed IMMEDIATELY! 

Conns appliance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation