vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
In XXXX of 2021 I applied for a XXXX credit card through CapitalOne. I was given a {$3000.00} credit limit. Most Visa Infinite credit cards come with a minimum limit of {$5000.00} per Visa Inc., so my granted credit limit is unusually low. I believe an error was made in determining my credit limit. 

Our family income is well over $ XXXX. I have been married to my husband for 47 years. My credit scores have consistently been in the 800 's for many years. When I applied for the XXXX card my scores ranged from XXXX to XXXX. I have two long-term credit cards with XXXX ; one with a {$40000.00} limit and the other with a {$12000.00} limit. My husband and I have had a joint credit card with XXXX XXXX XXXX with a {$35000.00} credit limit since the XXXX 's. I pay off my credit card balances every month on all my cards. I have fully used my credit limits on occasion. We also currently have joint interest bearing accounts with a total balance of around {$350000.00} at CapitalOne and have had accounts with them for more than 10 years. I believe CapitalOne was the only hard credit inquiry in the two years prior to applying for the XXXX card. 

My husband, who is less than one year younger than me, applied for the XXXX card several days before I did in XX/XX/2021. He has credit scores similar to mine and his credit card usage is similar. He was given a {$30000.00} credit line on two separate CapitalOne credit cards, one before I applied for my XXXX card and one after! 

I repeatedly called and wrote to CapitalOne asking for an explanation as to why my credit limit was set so much lower than my husbands. I asked them to review my credit limit for an error and was told it is all done by algorithm, no person reviews for errors or can make corrections and that I will never receive a credit increase of more than 10 % every 6 months for as long as I have the XXXX XXXX I have paid off my XXXX credit balance every month, early on several occasions, and for more than the statement balance due. I have talked with Credit Specialists, Sr. Account Supervisor, XXXX XXXX XXXX and a Case Manager in XX/XX/2021. 

The only conclusion I can reach is that Capital One 's algorithm and credit decision is sexist. 

Additionally, Capital One 's unsigned response to me dated XX/XX/2021 is misleading and not practiced based on discussions with CapitalOne employees. It is stated " credit limit increases are reviewed periodically at undefined times during the year. '' This does not appear to be the case. It appears credit limit increases regardless of use or creditworthiness are limited to 10 percent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
I, XXXX XXXX entered into a consumer credit transaction with XXXX XXXX XXXX XXXX XXXX and ALLY Financial on XX/XX/2019. A consumer credit Transaction in which a finance charge was involved. 15 usc 1605 defines a finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but XXXX XXXX XXXX XXXX XXXX took cash stating it was needed to move forward with Ally Financial. The Finance charge is suppose to include insurance, but XXXX XXXX XXXX XXXX XXXX made me purchase insurance separately.

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 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Choice Recovery, Inc.
State: FL

Complaint narrative:
XX/XX/2021 XXXX This is a duplicate account on my credit report, I have reached out to the company and the current debt collector.I have also made a dispute.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX and account # XXXX, XXXX account # XXXX, XXXX XXXX/XXXX  account # XXXX, XXXX/XXXX  XXXX/XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

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

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX  account # XXXX and account # XXXX, XXXX account XXXX XXXX, XXXX XXXX account # XXXX, XXXX XXXX  account # XXXX, XXXX  account # XXXX, XXXX XXXX XXXX account # XXXX, and XXXX XXXX XXXX. account # XXXX has violated my rights. 

15 U. S. C. 1681 Section 602 A States I have a right to privacy.

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

15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: FL

Complaint narrative:
XX/XX/2020 XXXX  This is a duplicate account, I have reached out to the company and to its current debt collector.I have also made a dispute

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I received an offer on Citi 's website and via email to receive {$400.00} if I open an account with {$15000.00} in initial funding ( with many restrictions in fine print ). 

I opened and funded the account on XX/XX/XXXX by clicking on the offer and providing the information needed to open an account. 

I followed up with customer service on XX/XX/XXXX to verify that I was meeting the terms of the promotion. I was told that I was meeting the terms of the promotion and that I could expect to have my account credited after I kept the funds in the account for 60 days. 

I followed up with customer service to ensure that I was correctly meeting the terms of the offer on XX/XX/XXXX and inquire about the promotion. The representative told me that I was meeting the terms and that I could expect to see a {$400.00} credit on XX/XX/XXXX. 

I followed up again on XX/XX/XXXX to inquire about the offer. I was told that I would receive the {$400.00} credit on XX/XX/XXXX. 

I followed up again on XX/XX/XXXX to inquire about the offer. I was told that a case would be open to investigate my issue. I received a communication on XX/XX/XXXX saying that their investigation was complete and that they were not aware of any promotion offered in conjugation with the opening of my 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 monetary relief
Consumer complaint received 2022-03-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-03-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To whom it may concern, On XX/XX/2022 I noticed an unauthorized transaction in my Wells Fargo savings account # ... for {$11000.00}. I contacted the fraud department at Wells Fargo and reported this unauthorized transaction and was told to open a new account with new passwords and login credentials and close any existing accounts, which I immediately did. The fraud department representative helped me submit a claim in order to stop the still pending transaction from being completed. They gave me verbal assurance that the transaction would not go through since it was reported immediately. On XX/XX/2022 I logged into my account to find that the funds had been successfully withdrawn from my account, which prompted me to immediately contact the Wells Fargo fraud department once more. The representative wasn't helpful and told me to wait on the decision of the claim I submitted. After not hearing back on the end of the XXXX business day, I contacted them again on XX/XX/2022 to discover that a decision had yet to be made. I was told they needed additional time to come to a decision and to wait for a phone call. After failing to receive yet another phone call about my claim, I contacted Wells Fargo on XX/XX/2022 and was told that my claim was denied because they claim I authorized it, which is completely false. I have been very patient and professional with the fraud department at Wells Fargo and am fully confident that they came to the wrong decision. I made no such attempt to withdraw this money and am looking to have this decision corrected by reaching out to the Consumer Financial Protection Bureau. If there are any questions about this fraud incident, please feel free to contact me at any time. I am hopeful that the money will be rightfully returned to me after a further investigation into this incident. Thank you.

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 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CREDIT ACCEPTANCE CORPORATION
State: GA

Complaint narrative:
Used car loan application was computer generated has wrong name on it from finance company and forged signature on all documents. I can provide document to show signature is a forgery.

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 2022-03-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
I applied for a loan for a mobile home and was given a 7 % interest rate. I wanted a lower rate so my agent told me to call another person. I did and they gave me a 5 % interest rate over the phone, and gathered all my information. I received the loan estimate and the interest was 8 %. My real estate agent asked me to call the lender, I told her I was not going to call him because I feel he bated and switched the amount of interest. She said I told him not to do that. I was shocked that she knew what he was doing and didnt tell me. I thought she worked for me not the loan originator. I feel they are in co hoots in trying to trick me. He thought I wouldn't notice the amount on the paperwork, but I did. Isn't that illegal? If its not, it should be. This was a {$200000.00} loan and the loan fees were {$10000.00}!! The name of the company is 21st mortgage, the loan originator was XXXX XXXX, and real estate agent was XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-03-20 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: SC

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX/XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX. XXXX, XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX  XXXX 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.

15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/2022, I paid off my student loans to XXXX. One loan balance was {$4.00}. The second one was {$21000.00}. I paid both in full and XXXX reported the accounts as closed. As a result, my credit score dropped by XXXX point. During this same time, XXXX reported that my loan to them had been reduced by {$960.00}. I don't understand why Equifax is reporting a score decrease when I decreased by debt. Also, during this same time period, Equifax reported that my borrowing power had decreased from {$100000.00} to {$15000.00}. I also paid of a mortgage of {$120000.00}. With reducing my debt by nearly {$150000.00}, it does not make sense that both my borrowing power and my credit score has dropped.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Fraudulent inquiries and inaccurate account information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting act, Account # 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 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 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Service Company, INC
State: TX

Complaint narrative:
Debt collector refuses to send debt back to original debtor for me to settle with them. This collection agency has made contact with me after my Cease and Desist letter was sent on XX/XX/XXXX of this year. To this date the debt is still at their office and not sent back to XXXX XXXX of XXXX. Alleged debt amount is {$500.00}. They have also threatened to send the debt to a credit reporting agency to damage my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF THE WEST
State: CA

Complaint narrative:
My checking account showed that someone withdraw my money with an amount of {$86.00} and it occurred another {$3.00} non-bank-of-west ATM fee. 

The transaction was completed on XX/XX/2022 in XXXX XXXX XXXX CA. I was able to confirm this fund was not by me ; because at that time, I was in XXXX, Hawaii. 

They simply told me they have investigated and because the transaction was approved with PIN, but everyone know there's a lot of fraud POS machine in some store can make a copy and stores PIN.

I have tried to reach the fraud department with Bank Of The West and filled the claim form. After faxed them for about a week, they mail me an notice with decline on my fraud claim. 

I would also attach all my proofs and my physical non-in-state proof that I wasn't in California, so that transaction couldn't be made by me. 

I have attached the letter I have received from the bank, also my flight confirmation, the State of Hawaii Safe Travels to proof that I was out of state and the transaction wouldn't be made by me. 

In the State of Hawaii Safe Travels page, you'll see " Screened : Yes '' and that means I was physically attended to the flight at the airport.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Used car loan application was computer generated has wrong name on it from finance company and forged signature on all documents. I can provide document to show signature is a forgery.

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 2022-03-20 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXXXXXX XXXX account # XXXX, XXXX account # XXXX, and XXXX XXXX XXXX XXXX account # XXXX has violated my rights.

15 U.S.C. 1681 Section 602 A States I have a right to privacy. 15 U.S.C. 1681 Section 604 A Section 2 Also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C. 166 b States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any reason.

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 2022-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: United Revenue Corporation
State: TX

Complaint narrative:
Some medical bills on credit report have paid on XXXX XXXX XXXX and auto loan was paid full XXXX XXXX XXXX XXXX XXXX XXXX XXXX United revenue there three with this company and collect for personal debt was paid in full need be remove from credit report all three credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MD

Complaint narrative:
On XX/XX/2022, I paid off my student loans to XXXX. XXXX loan balance was {$4.00}. The second one was {$21000.00}. I paid both in full and XXXX reported the accounts as closed. As a result, my credit score dropped by XXXX point. During this same time, XXXX reported that my loan to them had been reduced by {$960.00}. I don't understand why XXXX is reporting a score decrease when I decreased by debt. Also, during this same time period, XXXX reported that my borrowing power had decreased from {$100000.00} to {$15000.00}. I also paid of a mortgage of {$120000.00}. With reducing my debt by nearly {$150000.00}, it does not make sense that both my borrowing power and my credit score has dropped.

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