BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-14
Company: AMERICAN EXPRESS COMPANY
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I am using the American Express Serve card. The merchant has put 3 holds on the card. As follows : Store Purchase XXXX XXXX, XXXX, IL ON HOLD - {$58.00} XXXX  XXXX XXXX Store Purchase XXXX XXXX, XXXX, IL ON HOLD - {$180.00} XX/XX/XXXX Store Purchase XXXX XXXX # XXXX XXXX, XXXX, IL ON HOLD - {$110.00} The holds are over 20 % of the value of the transcations that occured. I read through the terms of service dated XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX  And the terms stated the following : f. Pre-Authorization Holds and Processing Delays. 

When you make a payment to a merchant using your Account, Card, Sub-Account or Sub-Account Card, you are providing that merchant with an authorization to process your payment and to complete your transaction. In certain instances, the payment processing may not  occur immediately, and your payment will be " pending during this time period. 

In addition, when you make a payment to certain merchants for goods or services ( typically gas stations, restaurants, rental car agencies, hotels, cruise lines and similar merchants ), we or the merchant may request an authorization for the amount of your anticipated transaction in advance and may estimate the final value of the transaction, which may be more than the amount of the actual transaction. For example, a restaurant may request an authorization for the estimated dining bill and for a tip. In such an event, we will place a temporary " hold '' on the funds in your Account or Sub-Account for an estimated amount indicated by us or the merchant at the time the transaction is authorized, plus any applicable fees, and will release any temporarily-held funds in excess of the amount of the actual transaction, typically not later than the seventh ( 7th ) day after the transaction, in the case of most merchant transactions, and typically not later than the thirtieth ( 30th ) day after the transaction, in the case of transactions with rental  car agencies. Until released, the funds subject to the hold will not be available to you for other purposes. 


There is no mention of placing holds on account for grocery stores or other non hospitaltity releated merchants. I contacted Amex customer service and was told that they could do nothing to remove the hold nor would they resolve the matter outside of a 8 day business day window. Nor would they credit my account the diffrence of the hold. In addition I have two other fradulaent transcations that they refused to release hold as follows. 



XX/XX/XXXX Store Purchase XXXX XXXX XXXX XXXX, XXXX XXXX, TX ON HOLD - {$120.00} XX/XX/XXXX Store Purchase XXXX XXXX XXXX XXXX, XXXX XXXX, TX ON HOLD - {$120.00} Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Billing dispute for services

Complaint:
I was looking to check my TransUnion credit profile after my other profiles do not show my XXXX XXXX. I made an account, inputing my credit card information, assuming it was a verification that I was who I say I am, like many credit sites ask. I was immediately billed {$25.00} and emailed an Order Confirmation, without ever being told I was buying a product or the price of the product. This is predatory behavior, and I want my money back. I immediately cancelled my " subscription. '' TransUnion should be fined for billing people without their consent. Regardless of fine print, they should be clear with how they are using your information, which, in this case, was my credit card information to bill me for a subscription. The fact that the cancellation process included a reason for " I did not know I was being billed '' is evidence enough.

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 2021-05-26
Company: Army and Air Force Exchange Service
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
On XX/XX/2021 I pulled my credit report and I sent my first round of letter to the three credit bureau to validate the date on my Military Star Card. I got no response. XX/XX/2021 I pulled my credit report again sending second round of letters to the three credit bureau with evidence to delete the account per FCRA regulation of reporting accurate information the bureau only updated the account. XX/XX/2021 I sent a letter to Military Star the creditor who didn't make any updates. On XX/XX/2021 I sent another letter with evidence to the bureau but got and update not deletion of inaccurate information. Today XX/XX/2021 I pulled my credit report and the bureaus are still reporting inaccurate information.

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 2018-10-17
Company: WELLS FARGO & COMPANY
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
been battling XXXX  and id theft for more than 7 YEARS NOW I DONT KNOW WHAT TO TO ANY HELP WOULD BE GREATLY APPRECIATED FILED FTC, POLICE REPORT TO XXXX AND XXXX COUNTY

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 2020-07-03
Company: BARCLAYS BANK DELAWARE
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/2020, I opened a new Barclay AAdvantage Aviator Business Card In XXXX 2020, I setup my Auto Pay for the credit card ( to pay balance in full each month from my Credit Union Checking account ). When setting up the payment, I ( user error ) incorrectly selected Savings instead of checking. So my first payment on the card was NSFd, and I had to setup a manual payment. 

I called Barclays after the incident to ensure that I appropriately updated my auto pay method to select CHECKING account type instead of savings. This was confirmed in the Barlcays autopay system online ( https : //aviatorbusinesscard.com/ ) and by an agent over the phone. 

In XX/XX/2020, my next autopay was triggered, presumably for the updated payment information, but Barclay 's system REVERTED to a SAVINGS account, not my checking account. This cause my savings account to be charged without my authorization. This resulted in three fees I am disputing, totalling {$84.00} : One fee from Barclays on XX/XX/2020 - " Return Payment Fee '' - {$39.00} One fee from my credit union on XX/XX/2020 - " NSF fee '' - {$35.00} One fee from my credit union on XX/XX/2020 - " Negative Bal. '' - {$20.00} I have contacted Barclays approx 10 times regarding this Barclays system issue. The investigation was completed after 6 weeks, found not in my favor, inexplicably. 

Even more concerning is Barclays lack of responsibility regarding this system issue. Even during my most recent contact with them on XX/XX/2020 ( screenshot attached ), their system AGAIN reverted my autopay to SAVINGS instead of CHECKING. The agent refused to acknowledge my issue as " Bank Error ''

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 2018-03-28
Company: HCFS Healthcare Financial Services of TeamHealth
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
In XX/XX/XXXX I received a collection letter from XXXX XXXX XXXX XXXX XXXX XXXX, ( XXXX ) a debt collector for XXXX XXXX XXXX of Texas. I called their office to tell them that this debt was not mine and I have not stayed in Texas. I followed-up this telephone call with a letter dated XX/XX/XXXX. 

On XX/XX/XXXX I received another letter from XXXX requesting additional amounts due to their same client. On XX/XX/XXXX, I again sent a letter to them informing them that this was not my debt. 

On XX/XX/XXXX I received another letter from XXXX offering to settle the above debt within 10 days. 

They obviously have ignored my telephone call and letters.

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 2020-07-27
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have a HELOC with JP Morgan Chase that dates back before the financial crisis. 
I never authorized this account. I fell into medical problems from XXXX to XXXX and again XXXX and XXXX. I have paid the balance on time from XXXX and in XX/XX/XXXX to XXXX XXXX, I had multiple issues with XXXX XXXX and called JP Morgan to inform them of my status, and requested to be on forebearance. In XX/XX/XXXX, I was then contacted by a courier that I would be in foreclosure if I do not pay my mortgage. My privacy was compromised as the courier left my information with my social security number exposed in the building hallway. I called the bank 's attorney : XXXX XXXX at XXXX, XXXX, & XXXX XXXX XXXX XXXXXXXX XXXX XXXX, New York XXXX ( XXXX ) XXXX - XXXX, and inquired what I needed to do to get my account back to good standing. I was told I needed to pay roughly {$10000.00} of which roughly {$5000.00} was used for the bank 's attorney fees, in addition to late fees. I felt these fees were exorbitant. JP Morgan Chase also destroyed my credit by reporting me late on the credit bureaus : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This has caused my score to decrease significantly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-21
Company: Davis, Pickren, Seydel & Sneed, LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you in a state where you do not live or did not sign for the debt

Complaint:
In XXXX I left employment with Platinum Roofing and resigned as CEO. In early XXXX and again in late XXXX XXXX XXXX dba XXXX XXXX XXXX was notified that I had separated from XXXX XXXX and was not responsible for their debts as of the end of XXXX. I was repeatedly told by XXXX XXXX XXXX of Davis , Pickren , Seydel & Sneed , LLP that XXXX XXXX dba XXXX XXXX XXXX was going to file suit. On XX/XX/XXXX I received notice of suit for debt in the amount of {$310000.00} naming myself as responsible and a personal guarantor even though XXXX XXXX, the law firm of Pickren , Seydel & Sneed, LLP and XXXX XXXX dba XXXX XXXX XXXX had been clearly notified multiple times of my removal from all debt and guarantees from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-04
Company: Experian Information Solutions Inc.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

XXXX XXXX XXXX XXXX {$450.00} XX/XX/2016

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 2020-05-12
Company: JPMORGAN CHASE & CO.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XX/XX/XXXX, my daughter totaled her XXXX XXXX XXXX. XXXX XXXX made a payment to JP Morgan Chase dated XXXX XXXX for {$13000.00} ( paper ). XXXX XXXX issued a second payment to XXXX XXXX XXXX XXXX dated XXXX XXXX for {$740.00} ( electronic ). The payment for {$720.00} was for extended warranty cancellation due to total loss. A payment was issued to JP Morgan Chase Auto on XXXX, XXXX for {$720.00} and cleared Chase Auto on XXXX XXXX. Chase denies this transaction and will not credit my account, therefore allowing no closure. The main issue is they are reporting me 90 days past due. I have been consistent in my correspondence with Chase and XXXX. We suffered a devastating fire XXXX XXXX. We lost everything. We have been in temporary housing trying to purchase a new home or credit for new appliances and furniture. Needless to say JP Morgan has tremendously affected my credit score due to their inaccurate bookkeeping. JP Morgan has admitted they posted our credit to the incorrect account and refuses to correct it. I have been denied credit due to this. I have been more than cooperative with Chase. I have sent every piece of documentation requested including the invoice and copy of the front /back of check that was paid on my behalf. I was reported 90 days past due today.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-02
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Wells Fargo Home Mortgage charged me for insurance on my home even though I already had coverage.

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 2019-11-18
Company: Paypal Holdings, Inc
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
On Monday XX/XX/XXXX I was contacted by XXXX XXXX about purchasing concert tickets to XXXX XXXX. 
Several text messages were sent and he also called from XXXX Phone number. I wrote up an invoice and sent him the tickets.He paid through paypal. He accepted the tickets. 
I have a record of the text messages and receipts of him accepting the tickets. 
On XX/XX/XXXX he went to his Visa card and took the money back saying it was unarthorized use of his account. I sent paypal all the text messages and statements which they sent to Visa. 3 weeks after the concert the guy is scamming to guy his money back. I need my {$290.00} back. 
The phone number is his. He answers to it. Visa is scamming to. 
I need Visa and XXXX XXXX Address to go to court. 
I also filed police charges on XXXX XXXX. 
I am sending the text messages, Accepting ticket receipts. 
Paypal won't release which Visa bank took the money. 
They just took the money away from my account with no documents or anything from Visa and the Bank that Visa is using. 
Without that proof it is fraud on the part of paypal. I have no documentation and they refuse to give me any documents reguarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-22
Company: Amsher Collection Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-26
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be l have not been able to get help from them for months but I just remembered I could file a report on here as 1 tool they are not doing their job properly and it is effecting me a great deal as used PayPal quite frequently My email linked to my PayPal is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-29
Company: California Business Bureau, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Date of incident : XX/XX/2019 Abusive language. 
Unfair interest added to original debt. 
Unwilling to accept a payment plan.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-14
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I terminated my car lease on XX/XX/2020 The term of the lease was 36 months for $ XXXX/month. XXXX is reporting to the credit bureaus that : ( i ) the payment was {$320.00} a month ; ( ii ) that the account is not paid in full ; and ( iii ) that I missed payments in XXXX and XX/XX/2020. I have documentation evidencing that everything that XXXX is reporting is false and inaccurate. 

I disputed this with Experian and lost. I have a pending dispute with XXXX. XXXX has not corrected the information.

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 2020-07-27
Company: OneMain Finance Corporation
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, one month they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have  happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-04
Company: JPMORGAN CHASE & CO.
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
Again, Chase has looked my online account, denying me access to my money. This has happened several times, the last time being two weeks ago. 

The number that they post on their website is incorrect, and I had to be transferred twice. There are long wait times every time. 

Then, every time, the answer is that I have to go to the branch. That is very inconvenient.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-03
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
The reports wrong again [ XXXX and it can not be changed and because Experian deleted the correct commentary and used their own! Now isn't that surprising? Submission Failed-When you dispute an item on your Credit Report, we will review your dispute and update your Report if we are able to do so based on the information you provided. Otherwise, we contact the company that reported the information and ask them to verify the accuracy of the information in light of the details you provided with your dispute. 
What a rouse and farce that people come before us as good and decent and honorable works indicate the opposite. We have attempted to correct your misinformation - I am not a senior - multiple times and with them. Their reporting always late and inaccurate. If that is not a scam, what is? 
PS how about reading the complain or at lease having someone who comprehends English repair what I have tried to so many years now!!!! 

XXXX -- -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX I'M NOT A SENIOR I AM FEMALE DUH!

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 2021-05-26
Company: Coinbase, Inc.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Wrong amount charged or received

Complaint:
XX/XX/XXXX I was tripled charged when trying to deposit only {$2500.00}. Had to call my bank to cancel the extra two charges to not be overdrafted. Now my account is lucked and so are all my funds on Coinbase. 

Issues were with extra charges. 
deposit # : XXXX deposit # XXXX

Company response to consumer: Closed with monetary relief