vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-07-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Over the past year, I have been discussing improper handling of my account as a business and not a consumer.
Most notably, my later of XXXX/XXXX/17 was responded on XX/XX/XXXXand repeated on XX/XX/XXXX.
As a consumer, not a business, I was switched by CitiBank to a XXXX  cardaccount to afford me a higher limit well over a decade ago. I was assured no other differences would occur.
My account and card list only my name without any business associated. However, my account is being treated like a business, not a consumer and requests are not being handled as such.
- Is XXXX aware that I am not a business and following procedures for a Consumer?
- Why is the account not following CARD and handling the highest APR items on the bill first?
- My interest rate escalated quite insanely during recent months. You have reduced it but I request a refund of the extra interest charges as the escalated rate. As a long-time customer, it would be appreciated as I believe Ive been unfairly treated as a business account.

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 2017-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KY

Complaint narrative:
I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all XXXX credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from transunion on the countless requests.

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 2017-07-29 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: NY

Complaint narrative:
XXXX-XXXX cancelled my cable service that is paid via my condo association ( tenant requested to have internet service put in their name and XXXX accommodated without my consent and then erroneously canceled association funded cable service ).. when I called to correct the error on my Acc # XXXX they conducted a hard inquire on my credit on XXXX XXXX 2017 that I never authorized.
. I authorized the same past billing inquiring that was conducted when I initially was provided cable service prior to the erroneous cancellation. XXXX was only to check to see if I had any outstanding unpaid XXXX/XXXX balances with their company not perform a hard inquiry on my credit report on a service that should have nevr been canceled in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: World Acceptance Corporation
State: TN

Complaint narrative:
Hello CFPB, I am writing to you about World Finance company? I am XXXX XXXX. It seems as though since I got the loan I have had problems after problems. At first, XXXX XXXX, was my worker, and he left the company? then XXXX XXXX, was my worker next and she was nice to me and worked only with Me. And she has now left the company, there are only ( 2 ) People in the office at World finance company at XXXX XXXX XXXX Tennessee, XXXX. Now every since I got the loan, I have been plagued with extra money, like XXXX more late fees charges. I was told I could send in half and pay the other part, when the date is due way before the XXXX or before then, they are sloppy and do not care about their customers. now they say you need to pay the whole loan off now? Ok I only owe {$40.00} they have called my HOme, several times. my school and my daughters and sons. Now I am just tired of them? this is no way to do business at all.? I am intending to pay them but if this tactic keeps up I will just withhold my funds from them until they quit calling here, and go downtown and file a squash motion to have them thrown out of my credit report. they do not know who they are messing with, I am partial a XXXX and I know my rights ok. this is a Bully tactic and I shall tell the Judge when he hears my case. This just needs to stop now? I see why everybody is leaving and they really should go out of business because no one is coming there anymore anyway? they are just Ridiculous? This no way to carry on in Business worlds. So the total pay off, is {$290.00} I shall remit to them soon and I never want to see any one In this company again. even XXXX XXXX left  them too. Her daughter open a XXXX and she now works for her. so you see people can move on. I do plan to pay them but I need for them to stop calling my address I am not going to pick up the phone and just leave me alone because I do intend to pay. No need for the Bully tactics they are Using, XXXX is new but she is the worst one, she needs to go back to street fighting because that is all she knows how to do, no one in XXXX tennessee is going to fight her she is just not that Interesting to Any of Us. I hope she knows that too. Be cool and leave me the XXXX XXXX XXXX alone lady.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
XXXX XXXX did not notify myself in writing concerning the debt and also turned the account over to a collection agency without written notification.

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 2017-07-29 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: KY

Complaint narrative:
I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all 3 credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from XXXX on the countless requests.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-07-29 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: KY

Complaint narrative:
I have been subject to fraud for a few years now. I am XXXX years old and have a history of issues since I was XXXX with the use of my name and ss # to obtain credit. Someone other than myself in XXXX and XXXX  applied for credit to several places. Some of them multiple times. I have only applied for credit 2x in the past 3 years. I have sent countless letters and have called numerous times to get these inquiries removed. I have sent letters to the companies and they all have promised to remove the inquiries within 60 days. They have all said that they will send the request to all 3 credit companies to remove. Nothing ever happens. In XXXX all of my inquiries were removed via XXXX XXXX but then they mysteriously came back and it has been non stop every since. I would like these inquiries removed once and for all. I am in the XXXX and I do not spend a lot of time in the states and while I am here I would like this to be taken care of. It has been months and I have had no response from XXXX on the countless requests.

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 2017-07-29 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. Trans Union and XXXX has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response datedXX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported from XX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when Trans Union recently removed the information while XXXX had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok.XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now 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 explanation
Consumer complaint received 2017-07-29 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
CFPB this has turned into an extended process in my attempts to have the Credit Reporting Companies to correct and remove incorrect and erroneous information. It has been my experience that the Credit Reporting Companies take turns in providing your Credit Information when an Inquiry is made. XXXX XXXX and Experian has removed the erroneous XXXX XXXX / XXXX XXXX information while XXXX continues to report and share the outdated information. I sent the XXXX XXXX Notice dated XX/XX/XXXX to all 3 Credit Reporting Companies with my response dated XX/XX/XXXX. Attached is the XXXX denial Notice for credit dated XX/XX/XXXX indicates that the information that was used was provided by XXXX. The some of information that was offered by XXXX is attached to the bottom of the Notice. I have never offered an explanation from any of the 3 Reporting Companies how or why the account could be closed for 3 to 4 years depending on which date is used for the closing of the account why or how payment activity was being reported fromXX/XX/XXXX thru XX/XX/XXXX. Attached to that Notice is that erroneous information that continues to be shared and reported by XXXX when XXXX XXXX recently removed the information while Experian had long removed the history. Currently being reported by XXXX XXXX XXXX is an account that is 30 days past due when the account was closed in XX/XX/XXXX with a XXXX balance. After almost 2 years of payments when the account was closed even the XXXX and XXXX reporting show that the account was ok. XX/XX/XXXX XXXX XXXX XXXX started reporting that the account was 30 days past due. This type of erroneous behavior by the Banks must not be tolerated, first XXXX XXXX and now 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 2017-07-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: MA

Complaint narrative:
I have financed my automobile through Nissan Motor Finance since XXXX of XXXX. I have a 5 year loan on my vehicle. My monthly payments were made via auto pay on time every month for 3 years without incident. In XXXX of XXXX, Nissan Finance, without any warning or notification, simply stopped taking my auto payments. I received no late payment notice, and only stumbled upon the fact that the XXXX payment was not taken when the XXXX  payment came due..by this time the XXXX payment had been reported to the credit reporting agencies as 30 days past due.
According to Nissan, although I have a 5 year loan, the auto payment option stopped at the end of three years and had to be manually reinstated by me via their website at that time. I had no idea, nothing in the loan paperwork tells me this. One might have thought they might have notified me that this was the case.
I have reinstated the auto pay, and all payments continue to be made every month.
Attempts to have the late payment removed from my credit report have been futile. I feel strongly that this should not be on my credit report, as I did not " miss '' a payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-07-29 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: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: AZ

Complaint narrative:
I am refinancing my home. I was working with both XXXX XXXX and XXXX. The XXXX ran my credit without my consent. I only found out when this ended up on my credit report from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Northstar Location Services, LLC
State: CA

Complaint narrative:
Attached is the collection Agency that is trying to collect on a fraudulent student loan that was signed by XXXX college in XXXX XXXX consolers ' have tried for the last 12 years to have this matter corrected. XXXX  College went out of business because of these same fraudulent action. I have filed complaint with the federal government as well as State I even spoke to California Attorney general office who contacted me when Senator XXXX XXXX was investigating the matter. I was told that XXXX  college had broke the law and I was n't responsible for this fraudulent act. Now this collection agency keep trying to collect on this matter. Attach is the most reason complaint that was filed against XXXX XXXX  about XXXX XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Data and Contact Management Solutions, LLC
State: WI

Complaint narrative:
I informed DCM Services that ( 1 ) The person owing the debt has XXXX and his estate is broke. I gave them the name and phone number of the Attorney handling his Estate for Probate/ informing DCM the above information in late XXXX, 2017.
( 2 ) During at least 2 phone calls DCM made to collect the debt, I informed them the estate has no money to pay these bills. I also reiterated that I had hired an Attorney to settle his Probate.
( 3 ) In XXXX, 2017, I received 5 letters attempting to collect balance due.
( 4 ) Attorney representing this Probate case has informed me that she, too, continually is receiving notices of this debt owed by the XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MJ Altman Companies, Inc.
State: FL

Complaint narrative:
I have requested that this creditor provide validation of the account they are attempting to collect on and they have not done so. I requested this to be done on XXXX/XXXX/2017 and I have not received any correspondence as of yet. It has been approximately 77 days. The collection amount is listed on my credit monitoring site for {$270.00} and I was never made aware of such debt in writing

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
We filed complaint XXXX with the CFPB regarding SPECIALIZED LOAN SERVICING LLC 's dishonest practices and onXX/XX/XXXX, SLS replied to CFPB ( and us ) acknowledging that despite their 10 months of harassment and claims to the contrary that our loan account was in fact PAID-IN-FULL- AS-AGREED, last XX/XX/XXXX ( just as we had stated ). In their XX/XX/XXXX letter SLS promised to correct the reporting to the credit agencies, but in fact SLS just ( on XX/XX/XXXX ) dishonestly reported to the credit agencies that we were over 120 late and there was a balance {$2000.00} which are both incorrect, see SLS 's letter datedXX/XX/XXXX acknowledging this.
In the years we have dealt with SLS they have NEVER done what they said they would do and SLS would not have written the attached letter acknowledging their errors, if we had not provided the CFPB with documentation proving our claims. CFPB is SLS 's regulator Agency, Please make them follow the law and correct ALL their errors and our credit. SLS should not be able to violate Dodd Frank and the Fair Reporting laws in this matter without dispensary action.

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 2017-07-29 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have been attempting to get an inaccurate bankruptcy off of my credit report with Experian for months. I 've requested verification to prove it belongs to me however ; they have refused to send me the copies of the documents they used to verify that it indeed belonged to me. This is required by FAIR 15 USC 16811 and secition 611 ( a ) ( 5 ) ( a ) ( i ). All letters sent were sent certified mail to confirm receipt.
Also under the new law effective XXXX XXXX, 2017, any public record data must include name and address, as well as social security number and date of birth in order fo it to appear on your credit file. The credit bureau has not updated the information and per the new law the inaccurate bankruptcy listed on my report does not include this information and should be deleted immediately 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 explanation