vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AmeriCollect
State: FL

Complaint narrative:
I am not liable for this debt with XXXX XXXX XXXX and I do not have a contract with AMERICOLLECT plus they did not provide me with the original application like I asked. 

Account XXXX : XXXX Amount Disputed : {$440.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CHECKredi of Kentucky, LLC
State: NC

Complaint narrative:
I have gas payment programs for XXXX XXXX and XXXX. I had a couple transactions come back resulting from Non-Sufficient Funds. XXXX XXXX and XXXX used CheckRedi of Kentucky ( based in XXXX, Kentucky ) as their debt collection. I first received a call from them. I have also received numerous texts from them. Not only have they been calling my number numerous times throughout the day ( numerous days as well starting from XX/XX/2021 ) they have also sent me numerous texts. In addition to the many calls they place, they also texted my family members ( sister and father ) AFTER I already successfully made contact with them to discuss my debt/gas programs. I have screenshots and evidence to provide in regards to the excessive calls, texts, and the contacting of my family members. Lastly, I never received written notice from them regarding any debits or any notice saying I could dispute it until AFTER I already initiated payments to them to resolve the debt. 

I believe CheckRedi has violated sections : 805 ( b ) & 806 ( 5 ) of the FDCPA act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Location Services Holdings, LLC
State: KS

Complaint narrative:
Company XXXX states they will file with XXXX XXXX county if I do not pay {$260.00} for a unpaid Payday loan. They claim it's from XXXX  and they will take me to court. After I spoke to the guy I still got a call and so did a family member stating if I do not call I will be located at there house. They can not provided any proof of this loan from XXXX  and they can not send me anything in writing. Not on my credit report. The voicemail they leave also say this is legal notification by telephone. I asked which court house in XXXX XXXX and any documents but they said they don't have that information that it will be provided to me at court. The payday loan company does not show a loan for me in XXXX. But one over XXXXyears ago. I did tell XXXX XXXX this but said I can talk to the judge or settle this with them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
The consumer attempted to extend themselves credit through BB & T. On XX/XX/2021 the consumer was denied because of XXXX violating 15 usc 1691. This is a written demand to ceo XXXX XXXX XXXX, XXXX XXXX XXXX and to whoever else it may concern to extend credit to the application the consumer has endorsed this action. And if there is a inquiry or adverse action on the consumer report delete it now or a criminal complaint will be filed.

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 2021-08-06 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: NJ

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CA

Complaint narrative:
On XX/XX/2021 I drafted a notarized affidavit of truth outlining the various violations and that of the federal law of 15 U.S. Code 1605 and 15 U.S. Code 1692 and 15 U.S. Code 1681b. I sent this notarized affidavit of truth on XX/XX/2021 via priority mail and I respectfully requested a notarized affidavit from a senior executive notarized by that senior executive confirming the information that is provided is true and correct as per my civil rights granted under several federal laws. This information should not have come in the form of a letter response as an affidavit of truth can only be rebutted line for line by the form of a notarized affidavit. If there is An Unrebutted Affidavit the affidavit Stands as Truth. It has been well over 30 days and I havent received any notarized affidavit rebuttal. I feel like I am being taken advantage of and being ignored of my affidavit.I demand XXXX XXXX XXXX Account Number : XXXX and all Non account holding inquiries over 30 days old be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the equifax data breach and may have gotten Into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
SEQUIUM ASSET SOLUTIONS at XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, GA XXXX Has been sending me collection notices in the amount of {$390.00}. I do not k now this company nor have I done business with this company also there is no contract with my signature for this " debt ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
The consumer attempted to extend themselves credit through Chase. On XX/XX/2021 the consumer was denied because of XXXX violating 15 usc 1691. This is a written demand to ceo XXXX XXXX, cfo XXXX XXXX, XXXX XXXX XXXX and to whoever else it may concern to extend credit to XXXX XXXX Reference # XXXX the consumer who has endorsed this action in good faith. And if there is a inquiry or adverse action on the consumer report delete it now or a criminal complaint will be filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: American First Finance, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX I opted to purchase a set of wheel and tires from XXXX  XXXX XXXX XXXX, located in XXXX, Ca using their finance services through American First Finance. I paid {$800.00} upfront on an invoice of {$22000.00}. The only documentation received was the receipt and work order, no written terms or conditions for the loan ; the salesperson stated I would be contacted with the details. I thought nothing of it since I planned on paying it off within the month. The purchase was to ensure my vehicle was properly functioning for a work related cross country trip, from California to Maryland, over 2 month duration. Upon my arrival to Maryland, I contacted my bank to establish automatic electronic payment, it was then I noticed one was already set-up to be paid to American First Finance. To ensure the details I called American First. I inquired if the amount would cover the entire amount and payoff in time, the technician assured me it would. I thought nothing further. In early XXXX I noticed the funds were still being withdrawn from my account, I wasn't alarmed at that point, I assumed I would be refunded the difference. At this juncture I paid {$1700.00} on a beginning balance of {$1400.00}. I contacted American First, again not alarmed because I believed I would received a refund of the {$260.00} that was overpaid ; when discussing with the American First representative stated that I owed them based on past due. How can this be?? It was then the actual interest rate was divulged, $ 140 %. I was aghast. I stopped payment with my bank. I attempted to rectify with American First on numerous occasions, with the same result that I owed them. The only issues rectified, I was told that all further customers using this vendor would receive the finance details upfront, unlike myself. After more attempts to rectify with American First along with complaints to the Better Business Bureau, I still have the demand for payment, now at over {$1700.00} and an unfavorable credit report. As a Contracting Officer for the federal government I am thoroughly familiar with terms and conditions along with compounded interest rates. As a consumer I would have never accepted this credit line knowing the details if provided upfront. I was also dismayed their representative deceived me by stating the electronic payment amount would suffice in paying off the loan within the required 100 days in order to avoid interest. I have attached the receipt and work order, the only documents provided me when making the purchase. I was finally provided the details of interest during the Spring of XXXX, almost 6 months after the purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: AMERICA FIRST FEDERAL CREDIT UNION
State: UT

Complaint narrative:
America First Credit Union is reporting late notations for 2020 and I ask they please remove them. I had some hardships with the pandemic during this time, much like anyone else. I went without work for some time and was unable to get on my feet. I did not expect this and did not mean to be late and I ask that America First Credit union please take some leniency on these lates. No one expected what happened in 2020 and this would really help me being able to buy a home. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
Made 3 payments totaling XXXX dollars in XX/XX/2021. Sent payments to a lockbox address given to me by the companies customer service representative. The company switched lockbox addresses and did not inform the customer. Payments of XXXX dollars were posted to the account. There has not been a correction on this account. There is an outstanding XXXX dollars not posted to the account. The lockbox address was switched in XX/XX/2021. I had no knowledge of where to send my payments in. The company informed me that the payment would be forwarded to the new lockbox. I disputed this with the company in XX/XX/2021 because my payments were not posted in time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-06 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: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under : XXXX XXXX XXXX XXXX reference number XXXX, and TOYOTA MOTOR CREDIT reference number XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by TOYOTA MOTOR CREDIT, repossessed in the state of ARIZONA in XXXX, and sold by TOYOTA MOTOR CREDIT on or about XXXX. 
Under the law and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS. 
9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the leg
al notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I currently have not received any of the required notices which were supposed to be properly and timely given, and all of the allowable redemption and cure time limits were supposed to be adhered to.If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA. 
In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system to let me know their will be a deletion of the trade-line. 
Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have constantly told them Im a vicciim of identity fraud and that all the inquiries on my report are not mine I have a journal of contact with them rather have inquiries with wrong phone numbers they also have double and triple of the same inquiries they also keep switching me to their so called fraud department that when they switched me to it sounds like a different country when they answer and theres a fraud part department but they do nothing to help me for like the past year and a half and they refused to take these inquiries they said all they come off in two years but I deserve a fair credit report because I have kids and I cant get anything I cant get a loan and nothing because of all these inquiries and I told him I had a police report and sent it to them as well as I sent them my ID and my Social Security card front and back

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 2021-08-06 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: ARS National Services, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, This letter is a formal statement notifying the above parties that the accounts under : ARS NATIONAL SERVICES INC reference number XXXX, and XXXX XXXX XXXX reference number XXXX are disputed. 
The vehicle in question was purchased on or about XX/XX/XXXX, financed by XXXX XXXX XXXX, repossessed in the state of ARIZONA in XXXX, and sold by XXXX XXXX XXXX on or about XXXX. 
Under the law and UCC 9.506 as well as State RISA and MVISA statutes, a deficiency can not be claimed unless all of the required notices were properly and timely given, and all of the allowable redemption and cure time limits were adhered to. 
I demand proof that the repossession of the subject vehicle was legal in accordance with the following UCC : 9-506. EFFECT OF ERRORS OR OMISSIONS.

9-611. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL 9-612. TIMELINESS OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL.

9-613. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL You are required to provide me with copies of the legal notices and proof of the commercially reasonable manner of the notification and resale of the subject vehicle. I currently have not received any of the required notices which were supposed to be properly and timely given, and all of the allowable redemption and cure time limits were supposed to be adhered to.If no such proof is provided within 15 days from receipt of this certified mail notice, the alleged claim of a deficiency will be considered null and void, and any continued collection activities, or continued reporting of this invalid claim on my credit reports will be considered a violation of the FDCPA and FCRA.

In addition, if you singularly or severally fail to comply with the above requests, I reserve the right to seek damages against all parties, under all available State and Federal statutes and including but not limited to UCC 9-625 remedies. 
Furthermore, you are hereby notified that at no point in time and under no circumstances is your company ; an employee of your company ; a representative for your company or affiliates are to contact me or any family members by any means other than the US mail system to let me know their will be a deletion of the trade-line.

Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I previously sent a letter asking for the documentation you used to verify these late payments, such as a transactional history, since what's reporting is not in line with any of my records and I know for certain that what's reporting is incorrect and inaccurate. Late payments affect my scores by a great deal, for sure you know that. How would you feel if the late payments reporting are not true but it keeps on weighing down your scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: MONEY SOURCE, INC., THE
State: GA

Complaint narrative:
My XXXX payment was misapplied by TMS Customer care for XX/XX/XXXX. I have called repeatedly requesting assistance with this error. My account is showing delinquent. But it is not. I am only due for my XX/XX/XXXX payment. I have also still not received my escrow surplus from XXXX. My payments are paid outside of my Chapter XXXX, and each month I make my payments directly to the money source. Customer care has been unwilling to assist. 

Loan number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 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: Navient Solutions, LLC.
State: NY

Complaint narrative:
the following accounts appear on my credit report, they do not belong to me, they are hurting me, please review them Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

2. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

3. Identity Theft NAVIENT Account Number : XXXXXXXX This is not mine. 

4. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

5. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

6. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

7. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

8. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

9. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

10. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

11. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

12. Identity Theft NAVIENT Account Number : XXXX This is not mine. 

13. Identity Theft XXXX XXXX  XXXX  Account Number : XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

15. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

16. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

17. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

18. Identity Theft XXXX Account Number : XXXX This is not mine. 

19. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

20. Identity Theft XXXX/XXXX Account Number : XXXX This is not mine. 

21. Identity Theft XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I applied for a Paypal Prepay Debit card because I felt the need to used it at the time, when I could not have been qualified to own a credit card. I got the card. 

After awhile I realized that Paypal ran a hard inquiry on my credit as though I applied for a credit card from the XXXX XXXX. I have tried called XXXX XXXX  and Paypal Customer Service Reps Several time to formally complain against the injustice they are doing to me. XXXX XXXX Reps Have promised to fix it but nothing as being done. I have repeatedly tried to call them so that they can fix the issue and remove the HARD IINQUIRY from the XXXX  credit profile. But nothing has being done. Each I call no one seems to remember anything ... Almost two months ago but nothing has being done! I have since being giving a run around, whenever I call Paypal the transfer me to XXXX XXXX  and they pretend as though they have never being approached on the Issue. I did not applied for a XXXX XXXX/Paypal issued Credit card. The Run around and pretends are hurting my credit, thus making life hard for me. 
I am formally asking CFPB to get involve. I want that Hard inquiry removed and that they incidence never repeated. 

Thanks

Company response to consumer: Closed with explanation