vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: United PanAm Financial Corp.
State: GA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX Ga XXXX RE : XXXX ( Account ) Retail Installment Contract dated XX/XX/XXXX ( Contract ) XXXX XXXX XXXX VIN XXXX ( the Vehicle ) Dear : XXXX XXXX XXXX XXXX so that has been established that a contract was signed on XX/XX/XXXX under a false & deceptive manner. 

Pursuant to federal law 15 usc 1692a ( 6 ) any person entity or corporation. Trying/attempting to collect money from me is in fact a debt collector.

Since you are not a debt collector am invoking another cease & desist from all collection this account. Until you can provide proper documents of validation of debt. Including but not limited to. I need to see your books, files, ledger, audit trail, whatever form of record keeping you have of this transaction and 15 usc 1692g ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt.

( 2 ) the name of the creditor to whom the debt is owed.

( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector.

( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. 
I am holding you XXXX XXXX XXXX personally willfully and knowingly of falsifying information, coercion, extortion to pay a debt that has already been paid XXXX XXXX XXXX you are personally liable for running a racketeering ring. 
You must comply with my validation of debt. Congress says you shall. I should have already received that notice of debt : content 7 months ago. 

After entering a credit transaction, you fraudulently turn my credit application into a retail installment. contract which was never defined in truth in lending act. 
You have violated my consume rights you are in default, and you have refused to cure this action you have time and time again lied about not violating federal laws and state laws. 
So, if youre not a debt collector what are you? 
Because you seem to be exactly what congress told me a debt collector is Make the best decision! 

Yours truly

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: PA

Complaint narrative:
I did a thorough investigation on my credit report and seen a collection on my credit report that doesn't look right. 

XXXX XXXX Date Opened : XXXX/XXXX/2022 Amount {$770.00} This account is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did a thorough investigation and I have numerous items on my credit report from Experian and it's false. ( Items below ) I ATTACHED a picture of my recent utility bill to prove my actual address. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NOT MY ADDRESS

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I did a thorough investigation and I have numerous items on my credit report from Experian and it's false. ( Items below ) I ATTACHED a picture of my recent utility bill to prove my actual address. 

Addresses XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX TWICE XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX LONGER XXXX THERE/ NOT MINE XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX NOT MY ADDRESS

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 2023-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion has continued to report errors on my credit report with XXXX XXXX for XXXX  XXXX. Now it's stating this account is open with a missed payment this account has been charged off and closed. How is this account open but charged off at the same time. This company keeps updating and reporting errors and at this point they are in violation of the Fair Credit Reporting Act..I 'm going to consult an attorney to see what are my options because this has been going on far too long

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 2023-01-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I open my account on XX/XX/XXXX with cash bonus Citi offered. ( EARN {$1000.00} MINIMUM DEPOSIT : {$75000.00}, attached ). I deposited the {$75000.00} through my joint brokerage account in earlier XXXX on XX/XX/XXXX, I got notified my citi checking account will be cancelled without any reason. After calling the number provided within the letter. The customer representative shared the account will be closed within 30 days instead of the 60 days in the letter, and all my money within the checking will be send back to me as a check. 

However, until now XX/XX/XXXX ( after 60 days ), I still didn't receive any letter about my account, I still didn't receive any check for my own money!!! 

Now I can not access my accounts and my own money for more than 60 days. I am unable to afford the mortgage because the money money was swallowed by this bank!!!

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 2023-01-15 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
First I have looked for this judgement that was filed against me all over the internet and XXXX, XXXX XXXX XXXX XXXX XXXX pages and couldnt locate a single socket for it. There was XXXX for a magistrate in XXXX XXXX but was closed but nothing for XXXX court of common pleas. I don't have any knowledge ever signing anything regarding this judgement back in XXXX either. Recently I was contacted by XXXX XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX ) regarding a judgement recovery. XXXX XXXX XXXX, assignee of XXXX XXXX v XXXX XXXX, XXXX XXXX court of common pleas docket no. XXXX, mentions chase bank was the original creditor and the judgement was entered on XX/XX/XXXX. It's now XXXX and this is the first I have heard about this judgement from 11 years ago. Wasn't chase suppose to stop all judgements between XXXX because they got into legal trouble? Why is this company harassing me now and threatening to sheriff sale my stuff, bank accounts, ect? I just received a paper on XX/XX/XXXX and now as of XX/XX/XXXX I already received a second paper stating praecipe to update judgement debtors address. I seriously don't even know what to do regarding this but I'm not in a position to be paying unforseen bills when it's hard enough to get by as it is. I don't own a home, a car, nothing cause life is very hard to get ahead with the XXXX and rising costs of inflation we live in and all of a sudden someone tries to get me to pay something from 12 years ago. This is insane. XXXX hoping this is something that chase just missed and can be thrown out cause I really have nothing to offer them. I have all the documents I have recently received if you need the copies of them. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I did a FTC report in XX/XX/XXXX and spoke with XXXXXXXX XXXX XXXX because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my TRANSUNION, XXXX AND XXXX Credit reports. In XX/XX/XXXX TRANSUNION AND XXXX added A Fraudulent account with XXXX/ DEPT OF ED FOR THE AMOUNT OF {$71000.00} This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.

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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Comerica
State: CA

Complaint narrative:
I might have been overdrafts a XXXX and all of a sudden I see a few overdraft fees. I have supplemental income from the treasury department.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-15 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, XXXX AND EXPERIAN Credit reports. In XX/XX/XXXX XXXX AND EXPERIAN added A Fraudulent account with XXXX XXXX XXXX XXXX FOR THE AMOUNT OF {$71000.00} This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.

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 2023-01-15 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
On XX/XX/XXXX, I received a check written out to my deceased husband. This was from Wells Fargo with an accompanying letter that I did not understand as I had never been privy to the monetary dealings of the purchase of our new truck in XX/XX/XXXX. 
There has been a great deal of correspondence and phone calls between the Office of the President ( which I now understand is the Complaints department ) and myself since that time. In the beginning, I wished Wells Fargo to change the name on the check to mine so I could deposit the check into my personal account at another Bank. I sent them the documentation required to do this. 
I became suspicious of Wells Fargos continual demand for extra documentation to prove that I was my husbands widow and entitled to the monies. That prompted me to ask Wells Fargo for a detailed analysis of how the Bank worked out the accrued {$52.00}. 

The ensuing correspondence/calls on this latter topic have been inane. I have never received a detailed analysis and, in the last communication of XX/XX/XXXX, it was suggested that I do my own research of the Constant Maturity Treasury Yield. 

I consider that Wells Fargo should be investigated re my question of asking for a detailed analysis of monies owed to me since XXXX and their banal series of communications in which a litany of uninformed and always different personnel have replied. It was a simple question way back in XX/XX/XXXX. To date, I have not received any document to show how Wells Fargo arrived at the accrued figure of {$52.00} and have been continually brushed off by the Banks employees in my quest to find an answer. 

My request is always the same : I wish to see a detailed analysis of how Wells Fargo worked out the accrued {$52.00} on the initial capital of {$470.00} over a XXXX period. 
I have never received a check for the total amount in my name either.

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 2023-01-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX of XXXX CITI bank decided to close my account, after almost 2 months CITI returned via a check the remaining balance on the account which was XXXX  However there was a missing sum from the check we got from CITI, in the amount of XXXX  which was a direct deposit from one of our customers XXXX XXXX. 
It was deposited in our account on XXXX XX/XX/2021. 

This customer XXXX XXXX booked a nonrefundable airline ticket with us. He has been informed about this fact. The ticket got eventually canceled and the passenger was offered full credit for future travel which he was eligible to use up to 2 years. According to our Terms & Conditions he was not entitled for a refund, therefore the airline could not grant him one. 

I do believe this person complaint to CITI, and CITI for some reasons without contacting me first to find out what is the reasons for complaint, and to offer us the possibility to explain ourselves and provide proof of purchase decided to take this money out of our account and return to the complaining customer. 
This is totally unacceptable. I demand the money in the amount of XXXX to be immediately returned to us. 

Please find copy of the deposit, copy of our Terms & Conditions and the completed form by the customer XXXX XXXX where it is clearly marked he agrees to pay our company for the airline ticket. 
If there is more information needed please let us know.

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 2023-01-15 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: NJ

Complaint narrative:
I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were XXXX student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, EQUIFAX AND XXXX Credit reports. In XX/XX/XXXX EQUIFAX Reopened my XXXX Accounts and added an Fraudulent account with XXXX OF XXXX For the same amount as the fraudulent XXXX Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-15 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: MOHELA
State: NJ

Complaint narrative:
I did a FTC report in XX/XX/XXXX and spoke with XXXX POLICE DEPARTMENT because there were 11 student loans on my credit reports from XXXX. XXXX sent me a Packet Titled LOAN DISCHARGE APPLICATION : FORGERY and i filled it out and sent it to XXXX. On XXXX, XXXX XXXX, XXXX Closed all XXXX accounts from my XXXX, XXXX AND XXXX Credit reports. In XX/XX/XXXX XXXX Reopened my 11 Accounts and added an Fraudulent account with MOHELADEPT OF ED For the same amount as the fraudulent EDFINANCIAL Accounts, {$71000.00}. This account does not belong to me. Under 15 USC 1681 ( a ) 3, You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) 4. You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. You never had a permissible purpose Under 1681b ( a ) 2. I never instructed you guys to furnish this report and I never consented to this report in the first place. Multiple addresses are reporting on my profile as well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation