vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I am a successful business owner married to a professional XXXX. We share joint bank accounts and file taxes jointly. My business uses a XXXX American Express in excellent standing. For personal expenses, we use my husbands personal American Express card. We hold other credit cards in each of our names, however his American Express is our preferred means of paying so that we can accumulate the rewards that come from using XXXX account. 

Due to a personal bankruptcy of mine 10 years ago, I have not been able to get a personal American Express in my own name. We are forced to put all our household expenses on my husbands account. This is a source of shame that I am unable to have my own card in my own name. I have tried personally to get this resolved. Other credit card companies have given me small credit lines which over time I was able to build up. American Express will give no such process or insight on how long this will go on. They say you can continue to apply but will not say if this is an indefinite amount of time or if there is some thresh hold I must meet. Since it has been over 10 years, I have great credit I wanted to know what process I needed to go through to have this decision reconsidered. 

I was told by the New Accounts and Decisions department that they can not give me any such information. They went on to say that i need to get a bankruptcy attorney to reach out to them to get an answer. After retaining a bankruptcy attorney and paying them a retainer to review the case, American Express replied with the same automated response that they retain the right to decline any application based on a bankruptcy with no further information, only now I am out {$650.00} for the attorney and the same lack of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-16 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: NY

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid 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: WA

Complaint narrative:
I used this prepaid card for incidentals when I stayed at XXXX XXXX. They HELD {$110.00} and the hold was lifted on XX/XX/XXXX. To date my money still has not been returned. When I called Vanilla Gift Cards they said it won't be released until XX/XX/XXXX. Their policy states 7-10 days. They had no reason when I asked why it hasn't it been released. They attempted to blame the merchant, when I called XXXX XXXX confirmed the money was released on XX/XX/XXXX at XXXX. I am requesting my money to IMMEDIATELY get put back on my card. Furthermore, the charge from the hotel was {$100.00}, but vanilla charged {$110.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
MY NAME IS XXXX XXXX XXXX, AND I AM SUBMITTING THIS COMPLAINT WITHOUT ANY INFLUENCE FROM ANY THIRD PARTY OR AGENCY. PLEASE SEE ATTACHED DOCUMENTS AND IDENTIFICATION AS IT CONTAINS MY FULL COMPLAINT AND 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 2022-09-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Ascendium Education Group
State: MD

Complaint narrative:
My student loans where included in my XXXX  XXXX bankruptcy in XX/XX/XXXX and were discharged in XXXX of XXXX but i am still being contacted to pay. i have made one payment but i should not be paying if these are discharged.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XX/XX/XXXX I was checking my account activity when I discovered that there was an unauthorized transaction on my account for the amount of {$400.00}. I immediately called Bank of America at XXXX to explain to them that fraud has been committed on my account. I was placed on hold for 17m45s and finally spoke with someone who was able to identify the unauthorized transaction and shared with me that the person made the transaction with an old check routing and account number. The person whose name is attached to the transaction is my ex husband, XXXX XXXX, who I divorced on XX/XX/XXXX. It is for his XXXX XXXX Credit Card in which I do not have an XXXX XXXX Card on my credit profile. The bank teller explained to me that she will transfer me to the appropriate section but while on hold she hung up the phone. I attempted to find an email instead of continuing with a phone dispute but there is not one on their website. 

As a long time customer of Bank of America, they have a responsibility to protect me and my accounts. I am in fear because this man has been XXXX XXXX, hacked my XXXX account, and is now committing fraud with my bank account. Bank of America needs to remedy and fix this and make sure it never happens again.

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 2022-09-16 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
On the night between XX/XX/XXXX and XX/XX/2022, a car I had been borrowing from a relative was stolen out of the garage of the house where I had been staying, about a mile from my listed address. In the car was my wallet, with my Bank of America credit card and other cards. Upon discovery of the theft, I immediately called the relevant Bank of America hotline to cancel the card and initiate a claim dispute on two charges totaling {$64.00} and {$5.00} at an XXXX gas station in XXXX, Ohio. 

On XX/XX/2022 I noticed that the charges remained. I called again and was told no dispute had been entered and there was no record of me initiating one, and so attempted to initiate the dispute again. This time, the claim was indeed submitted. 

On XX/XX/2022, by accessing my account online, I happened to notice that my claim was denied. No reason is given in the message center. I received no notification, and no physical mail or email informing me in writing of the denied claim, nor did I receive any information on an appeals process. Bank of America has my email on record, and i regularly receive marketing emails from it. 

Because of my earlier experience with BoA over the phone, I did not feel that there was a point in calling for information. Instead, I visited a Bank of America office on XX/XX/2022, where a representative informed me that the claim was denied because the thieves entered my correct zip code into a gas station card-reader, information that would have been readily available to them given where the car was taken from and documents that were in the car. 

The representative said a letter was sent to my home on XX/XX/XXXX that might have information about how to appeal, but no such letter on my claim had been received as of the morning of XX/XX/XXXX, which is when the 10-day appeal window would close. There is no information listed online regarding how to appeal a denied claim, but I did send a note explaining my desire to initiate an appeal to a customer service email address I happened to find after doing a XXXX search.

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 2022-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: Credit Karma, LLC
State: GA

Complaint narrative:
Credit karma has been reporting false information as well as false pre-approvals! I am aware of the settlement and I am eligible. 

They have caused me distress, and causing my credit score to decrease while believing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-16 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
I recently applied to an American Express Hilton Honors credit card. I was denied for no reason and no explanation, which makes absolutely no sense. They request submit letters from my bank to prove who I am and my address, taking time out of my busy day. I have never in my life ever had to do this! I have a XXXX credit score, have not applied to any credit cards recently. I'm below the thresholds for inquiries, so there is no reason to deny. I submitted 2 bank letters going out of my way and losing days work over this and I have yet to hear back from them. I feel I'm treated unjust here. 

I am planning on traveling and I believed AMEX Hilton Honors is the right choice for myself especially as I will be staying at Hiltons XXXX. I have credit cards little to no balances, great income and excellent credit and to be treated unfairly and unjust with no negative reporting on my report and a high credit score is outrageous and seems discriminatory. 

I tried calling reconsideration line asking for explanations and a reconsideration and they were no help they kept asking for documents, banking letters etc. I submitted and still no response. This is very unethical on their side. I would be happy with the credit card for its travel perks and want to be reconsidered. But this makes me lose faith in this bank for treating me unfairly. I feel I'm being discriminated by my age, which is unfair. I demand a response and a resolution. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
I noticed on my Truist online bank statement that XXXX was charging {$320.00} on my checking account. I called them to cancel that charge. I spoke with XXXX XXXX who claimed to be a Senior official of XXXX ( XXXX ). He directed me to type in that amount which I did. Somehow that number was changed to {$130000.00}. He said it was approved and showed me on my online account that amount had been credited therein. He said that was an error and XXXX had to be reimbursed by doing 3 separate wire transfer charges. He sent me the needed information on my printer which included charges as follows : XXXX. XXXX {$49000.00} to a XXXX XXXX XXXX XXXX XXXX. XXXX {$49000.00} to a XXXX Bank XXXX XXXX XXXX XXXX Ky XXXX. XXXX {$35000.00} to a XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Senior Bank, Truist XXXX me that this appear to be a fraud. I called the Truist fraud line & they confirmed that no such transfer had been credited to my checking account. I notified XXXX XXXX XXXX, XXXX XXXX XXXX. and gave him copies of the wire transfers. He assigned a case no. ( XXXX ). I also contacted XXXX XXXX XXXX, XXXX XXXX XXXX. I reported this incident to the Florida Attorney XXXX XXXX. Representative XXXX XXXX prepared a complete report and forward all the info the FBI. I am an A-typical XXXX yr old senior who needs help. I had seen been called often by the scammer, but refused to answer

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 2022-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Green & Sons Agency, Inc.
State: UT

Complaint narrative:
This company calls me multiple times back to back. If I ignore their call, they will call back within seconds of me ignoring it. They also leave a voicemail that just says hello. It has gotten to a point where they are waking me up with their repeated calls. 

This happened today ( XX/XX/XXXX ). They called 3 times within the span of a minute ( all 3 calls are time stamped XXXX XXXX  ). XX/XX/XXXX, they called at least twice with time stamps of XXXX XXXX  for both calls. XX/XX/XXXX, they called twice within one minute, one call timestamped XXXX and the other at XXXX. XX/XX/XXXX, 3 calls timestamped XXXX, XXXX, and XXXX. 

I have asked them as of today to stop calling me.

Company response to consumer: Closed with explanation