vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: PRESTIGE FINANCIAL SERVICES INC
State: DC

Complaint narrative:
PLEASE NOTE THIS IS NOT A DUPLICATE. I HAVE INCLUDED LAW FROM THE DISTRICT OF COLUMBIA TO BACK MY CLAIMS On XX/XX/XXXX my XXXX XXXX XXXX was repossessed in front of my home. Pursuant to XXXX XXXX XXXX XXXX XXXX XXXX XXXX Prestige Financial should have sent a notice to me or my last known address 10 days prior to repossession. I XXXX XXXX, can confirm that no letter was received 10 days prior to repossessing my personal property. This is a violation of consumer rights and constitutes unfair trade practices. To further no notices prior to repossession was received as required by UCC 9. 

To add to this complaint, after paying the required amount of XXXX to retain my vehicle and cure the alleged debt, Prestige has stated that my account did not cure and remains in a recovery status as if payment was not received or applied properly to the account. This gives reason to believe there may be a billing error pursuant to 15 USC 1666d. I also do not receive monthly statements anymore for this account nor do I have access to the online portal. In addition I just received a notice of redemption letter for an additional XXXX dollars that is due by XX/XX/XXXX or my vehicle would be repossessed again. 

Prestige Financial shared my NON PUBLIC personal information with a third party to the retail installment sales contract ( XXXX ). The XXXX only includes myself, the dealership, and assignee Prestige Financial Services Inc. Since there is a binding arbitration agreement, this dispute should have been settled in arbitration prior to the company taking any actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: IL

Complaint narrative:
purchased vanilla gift card for {$200.00} near end of XX/XX/XXXX to make a purchase with XXXX. i placed order with XXXX to find out the card had XXXX balance. i called and placed with vanilla a dispute that the dollars had been stolen. i received email stating my signature form had been received and could take up to 90 days to resolve. i followed up with a call on XXXXwas told it was in progress. called again XX/XX/XXXX, was told to call back 24 to 48 hours to get results of dispute. called again XX/XX/XXXX, was apologized to but asked for another 24 hours and call again. called again XX/XX/XXXX, now they are saying i did not return the required signature so nothing has been done. i have been very patient up to XX/XX/XXXX but now i am just getting a run around so i am filing this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Regarding Acct # XXXX. 
My name is XXXX XXXX and I live in Texas. In XX/XX/XXXX, a collection item hit all 3 credit reports as a debt that was first delinquent as of XX/XX/XXXX. I disputed with all 3-credit bureau as I have no knowledge of this debt. I contacted the collection agency Consumer Adj Co ( CACI ) to find out why this is on my credit report. No answer and I left a message. A rep called me back and stated that this is a debt owed from XX/XX/XXXX. I asked for information regarding the collection agency and was provided the name CACI and their address. I asked for information from the original creditor and was denied this information. She stated she could not give me the contact information from the original creditor and that this debt was bought by XXXX XXXX XXXX, and I could look them up myself. I am filing a complaint with CFPB, because they are not providing me with validation of the debt and according to Texas and Federal Law, they statute of limitations in Texas on debt is 4 years. That 4 year date ended XX/XX/XXXX. 

( Section 16.004 of the Texas Civil Practice and Remedies Code - The statute of limitations on debt in Texas is 4 years ) AND ( Section 392.307 of Texas Finance Code in XXXX - This section of the law, introduced in XXXX - states that a payment on the debt ( or any other activity ) does not restart the clock on the statute of limitations. It also requires that debt buyers provide written notice to a consumer if the limitations period has expired. )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I filed a claim with Wells Fargo concerning payments I made to a XXXX  for a XXXX XXXX XXXX XXXX. ( XX/XX/XXXX XXXX {$3500.00} XX/XX/XXXX {$1200.00} and XX/XX/XXXX ) .I had the XXXX  in XXXX. 
During this time prior to the XXXX  I had made a claim for something else but I had asked when can I make a claim after a transaction I want to dispute they said any time. 
I then had it in the back of my mind. 
A week after the XXXX  I told the doctor I was not happy with the results, he ignored my concern and went on said I still need to heal. I then called to file a dispute and they asked me if I spoke with the Dr to give a refund I told them no they said you should because then it will get denied, once again I ask how long to I have they once again said no time limit. 
After seeing the Dr again I asked him he said he can work on my XXXX  I don't want him to, that day when I asked him about a refund he did XXXX and I didn't care for that either, so I don't want him working on me. The XXXX XXXX, supposedly, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
Dr trying g to tell me there isn't enough XXXX XXXX XXXX XXXX and I don't know what I'm talking about. 
A few days after I filed the claim on XX/XX/XXXX I called to see if they needed any thing else to support my case and the Claims person not only question me but also laughed at me as I'm telling her what had happened. She then says it was denied due to the length of time I took it should have been within 120 days, I told her I was told there wasn't a time limit and I can make a claim any time she says you can but we won't investigate it.

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have multiple company credit cards that are managed by Citi card services, including retailers and gas company cards. Recently I have noticed that when you sign on to any credit card site with the Citi logo to make a payment, there is no " Payment Due Date '' shown on the main account summary page. There is a " Make a Payment '' option but that choice doesn't give you the date due either. The words " Payment Due Date '' does appear on the summary, but no date is ever given. You must search for the payment due date by clicking the " Payments '' history. The " payment due date '' was always displayed with the " make a payment '' option, and had an actual date given. This new lack of a " payment due date '' is misleading in that it makes it look as if your payment isn't due yet or has not yet been calculated. I have multiple examples of a payment being due within days and no notice that a payment is due. I don't know the reasons for this change, I have reached out to Citi and have only received automated response that doesn't address the issue. This change will also lead to customers unknowingly missing payment deadlines and potentially hurting their credit.

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 2023-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
On XX/XX/ I contacted Synchrony Bank/Care Credit in regards to the fact that their policy of applying an interest rate of 26.99 % to my account was not made clear to me by the company both when I applied for the loan and throughout the course of my loan. Per their Terms of Service I filed an Appeal Form and included the necessary documentation because, as stated on their Appeal form I was not adequately informed I would owe interest on my account if the balance was not paid in full by the end of the promotional period nor that interest accrued on my balance during the promotional period starting from the date of my purchase. The Care Credit card was advertised as " interest free. '' By the time I had paid off my Synchrony/Care Credit loan, I had paid over {$2100.00} in interest even though my payments were always on time. 

Though the letter on XX/XX/23 was my fourth time attempting to contact Synchrony/Care Credit, I have yet to receive any response from them in writing. Strangely, the only response I have received was an email on XX/XX/23 from Synchrony/Care Credit informing me that my dispute had been resolved with a link to fill out a survey. Just to be clear, never once did they reach out to me to resolve this, so I'm hard-pressed to understand how they can thus determine it resolved. 

I'm writing to you because I have exhausted all other avenues with attempts to contact this company to work at some fair resolution. Moreover, I have long since paid this loan in full and have ( despite repeated written requests ) never received written confirmation the loan is paid off. 

Thank you for your time. I look forward to working with you in hopes we can generate a fruitful response from Synchrony/Care Credit . 

Sincerely, 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 explanation
Consumer complaint received 2023-03-30 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Westlake Services, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX and XXXX XXXX both ceased all business and shut down officially as of XX/XX/2023 and filed bankruptcy as of XX/XX/2023 I was tricked into a lease with XXXX XXXX XXXXXXXX not a finance loan like they advertised on tv red flag one false advertisement. They sold all accounts without notice to their customers no call no email no certified mail anything now Westlake portfolio management a debt collector is harassing me and other customers to pay a debt we didnt start with no proof of owed debt no proper letter in the mail just spam calls daily from different local numbers and international numbers when asked for a debt validation letter we get hung up on or sent a email with their contact information when we request for our original contract with XXXX they never send anything theyve breached contract by selling our information and not honoring warranty which was apart of original contract with XXXX me and other customers do not feel comfortable paying a debt collection company thatll in the end crash our credit and they arent XXXX accredited

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 2023-03-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX : # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXX  XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2023-03-30 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Capio Partners, LLC
State: GA

Complaint narrative:
I am contacting concerning a debt that was placed on my credit score, this debt is under {$500.00} and was placed on XXXX and XXXX, XXXX which caused trembling decline in my my scores. Under a new law starting XXXX XXXX XXXX, the consumer credit reporting Bureaus XXXX, XXXX, and XXXX will no longer add medical debt less than {$500.00} to a credit report. They have attached a {$190.00} debt to my accounts, can you help me get this removed from my credit report. XXXX XXXX, Email XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-30 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: FL

Complaint narrative:
I am a victim of identity theft. I am writing to request that you block the following Incorrect information from my credit report. Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
On ( XX/XX/XXXX  ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time 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 got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: Source Receivables Management LLC
State: FL

Complaint narrative:
XXXX XXXX Yesterday XX/XX/XXXX I call at XXXXXXXX XXXX and I explaine that i receive in my credit report a account in collection from XXXX XXXX The agent took all my personal information and he verified that I don't have an account with them. And he sugested for me to go personally to XXXX office which I did. 
Today XX/XX/XXXX Personally visit at XXXX the oficce located at XXXX  XXXX XXXX with my ID and They verified all my information and agree that i dont have any account with them but still in my credit report and in collection. I desided to call XXXX XXXX and they had advise me to contact you. I will apreciatte is you take any action in this matter this account. 

XXXX XXXXXXXX Also yesterday XX/XX/XXXX I call at XXXX XXXX the collection office that is in charge of this account and after having me an hour interviewing me I also explain that I had disputed three time this account she told me that I need to paid the whole amount and this account is not mine this is call FRAUD.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30 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: GA

Complaint narrative:
I sent letters to Experian, XXXX XXXX XXXX XXXX and I still haven't received anything back. I am in the process of purchasing a house and this damaging information is interrupting the process. 

According to 15 USC 1681i ( a ) ( 1 ) ( A ) Experian, XXXX, and XXXX They have 30 days to respond to my disputes. This is a violation of my rights. I contacted all accounts listed below and requested for the original contract from creditors. 

I received no proof I even owe the proclaimed balance from them and they didn't remove debt I don't owe off reports. Also accounts are incorrect and are displaying balances when they should be XXXX If accounts are supposed to be closed. 
Of which is a violation.Please reinvestigate accounts below and delete this incorrect information or accounts from my corresponding reports. 

Since no response was received all accounts should be deleted Immediately. 

Accounts that need to be investigated and deleted promptly : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Inquiry I didn't authorize XXXX XXXX XXXX XXXX XXXX Inquiry I didn't authorize XXXX. XXXX XXXX XXXX Inquiry I didn't authorize. 

Also ONLY thing that should be present on my credit report when it comes to my personal information is the following correct information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX GA XXXX Employment : None Violations are below : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681 ( b ) Permissible purposes of consumer reports. 
Any of thepurposeslistedinSection 604of theFCRA, 15 U.S.C. 1681b.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 


If any of the purposes are not present please investigate and delete from my credit 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 non-monetary relief
Consumer complaint received 2023-03-30 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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