BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-29
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have been an American Express customer for nearly 7 years now and have gotten caught up in a loophole where I 'm not receiving any resolution to my concern. I have had my American Express charge card and have faithfully made my payments every month ( there was 1 month where my account was late but I quickly brought it current ). Somewhere along the line, American Express applied a pre-set spending limit on my account of {$1500.00}. Yes, this is a charge card, so immediately I asked why they would apply a pre-set spending limit? Well I received a completely XXXX political answer but I let it fly. 
Flash forward to today when I called and spoke to 9 different representatives and various departments. I finally got to XXXX, Employee # XXXX, who informed me that he can only see up to 12 months or pre-set spending limit history ( this situation is much older than that ). XXXX put me on hold to speak to several departments and came back to advise that ; 1. He can not determine the original reason why the pre-set spending limit was placed. 
2. He does not know how long the pre-set has been on my account ( only that it 's been over 12 months ). 
3. There is no way for him to remove it. 
4. That I have to wait for periodic account reviews to get the limit removed. 
Although he was polite as he could be about it, I find these answers to be extremely appalling. How can American Express apply such a predatory lending practice to a loyal customer like this and not even know why they 're doing it? I am asking that American Express immediately remove this restriction off my account or clearly outline why it is there to begin with. I will raise this matter to each and every regulatory body I have to until answers are provided or American Express reverses the decision. And at the very least, arm your employees with answers so that we do n't have to resort to these matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: AMERICAN EXPRESS COMPANY
State: NY
Product: Credit card
Issue: Other fee

Complaint:
I recently applied for and was approved for the American Express XXXX card. Shortly after my XXXX purchase, my card was declined to a fraud alert. American Express refused to resolve the issue over the phone and required me to obtain a notarized document from a bank and fax this to them. They deemed that it was not acceptable to have the document notarized by a non-bank entity, and it was also not acceptable to submit the documentation via another form of communication ( postal mail, e-mail, etc ). They refused to refund me for the expenses I incurred to comply with their request. They also refused to refund a portion of the annual fee as I requested due to the fact that I was unable to fully use the card for a significant amount of time ( over one month ). It was not disclosed in the marketing materials that I reviewed when applying for the card that I would need to incur these expenses to keep the card active.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-08-07
Company: Mar Joe Enterprises
State: OH
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I called CBC LLC and asked them to verify this debt from 2 years ago. The lady on the case told me she would try get a letter sent out to my address. 2 weeks went by and I recieved nothing. I called them back and asked where the letter was, she told me the debt is to old and dont have anything to send me. I told her that didnt make sense and she told me she would have her manager call the XXXX XXXX company and have the send me the verification but she told me they might now since it was so old. She also told me to dispute the debt on my credit report. XXXX  removed it XXXX  did not and told me it is my debt and its been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Bread Financial Holdings, Inc.
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
XX/XX/XXXX This is the supporting information enclosed with the letter of dispute dated XX/XX/XXXX. 
This charge of {$400.00} is invalid. 
Here is the detail information of this incident : 1. In XX/XX/XXXX, I purchased a new, unlocked iphone from XXXX. ( Encl.1-A ) 2. I received an unsatisfied product because of the DISHONEST BUSINESS PRACTICE conducted by XXXX third party seller, Q1W. The phone I received is a pre-owned, locked by XXXX 
3. I contacted XXXX to request a refund. But XXXX refused to offer any assistance stating because the order was fulfilled by third party seller, there is nothing they can do. 
4. I began contact the seller for refund. The seller insists that it is a new phone. During the conversation, the seller even suggested " jail-breaking '' to make it work. I refused because a new phone does not need to jail-break, and it would potentially void the warranty. Furthermore, it indicates that the phone I received is not brand new ( The seller knew it. ). 
5. In the meantime, I also filed dispute to XXXX ( now XXXX ) explaining all the details 6. With the help of XXXX, I have obtained a report that clearly shows this phone 's previous owner 's name and address. ( Encl. 1-B ) 7. I presented this evidence to the seller and XXXX. The seller finally agreed to offer a full refund. 
8. I sent back the phone as per seller 's instruction and tracked the progress closely. I compiled a file listed all the actions I took during the process. ( Encl.1-C ). 
9. The same timeline of the progress was also sent to XXXX for verification ( Encl. 1-C ) .The final notice # XXXX dated XX/XX/XXXX received. The charge of {$400.00} was removed based on the facts that the wrong product was sent to the customer and I have put my best efforts to return the product and have the wrong charge removed ( Encl.1-D ). Everything seems to work as it should be. 
However, unfortunately ... ... .. 
NewEgg, the original seller of this purchase, refused to provide any services to their customer in the first place. I, as a customer was forced to bypass NewEgg, to proceed the product return and refund on my own. 
Worse yet, NewEgg later imposed a charge back against my PayPal account for the money they are absolutely not entitle to collect. And, and NewEgg suspended my account all together. 
Based on the information provided above, it is crystal clear that the charge of {$400.00} is invalid. Under no circumstances, I should pay for the product/service that I do not receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: KEYCORP
State: AK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
KEYBANK CARDS OPS, their mailing address : XXXX XXXX XXXX  XXXX, OH XXXX - XXXX Your new Key2Benefits their copyright R encircled on upper right side of lower case letter s after the word Benefits then below commercial promising advertisement says Secure convenient access to your Alaska Unemployment Insurance benefit payments. To activate the card call 1800 295 2955 I have used this card at XXXXXXXX XXXX XXXXXXXX in XXXX to buy hot chicken wings and pizza minutes later I checked my Keybank Unemployment Insurance checking account using this same particular card it took my {$200.00} dollars, I doubt it was the bar tender. Now, my {$2.00}, XXXX dollars gone with the wind.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
This stated with a deposit being made at this sub par branch into y account with a check. 

I was notified that out of the {$5000.00} deposit, {$1000.00} would be available the next day. When I check the next day there was only {$200.00} available. 

Please note that this was my wedding anniversary and I was in XXXX XXXX counting on this money to be there ... in fact I had already spent $ 300+ of it on our dinner ... Well Fargo rubbed salt in the wound by charging me a {$35.00} overdraft fee. 

When I called client support the XXXX person who answered was apologetic and went through the normal script routine and when I was told they could not release the funds I asked to speak with a manager who spoke from the same script. 

They stated the only people who could release the funds was the branch itself which I was then transferred to. The person who I spoke with went along the same script ... again ... when I stated with conviction that I would be taking legal action he transferred me to XXXX XXXX. 

Her inability to solve simple problems and how she seemed to enjoy to openly disrespect a U.S. Veteran, on his anniversary, proved she is incapable of her current position. 

This branch will lie, cheat, and steal and I look forward to publicly shaming them on a continuous basis until a public apology is submitted as well as a substantial settlement. 

It should also be noted that when the deposit was made via check, an option was given to deposit cash to ensure availability but since the {$1000.00} was stated to be available we did not go with that option or the option to deposit the funds into XXXX where my wife banks ... and where I will be shortly. 

CFPB, FTC and the Attorney General are also being notified in addition to legal action being taken.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Other

Complaint:
I authorized one payment to XXXX XXXX for one court appearance and then fired him but on XXXX XXXX, 2015 this person tried to get more money out of me than the original {$500.00} I authorized. He tried to get {$1000.00} first from my American Express card and when that failed he received an additional {$500.00} from American Express without my permission or authorization. Then he asked me to withdraw my dispute in American Express so he could remove the charge. He sent me some emails saying it was a misunderstanding and that he was not cheating me on the money but he is apparently. I will not pay the additional {$500.00} he charged to my account on XXXX XXXX but will just terminate the card if necessary as I did not authorize he do this. He called me around that time, a day or so before he did it asking me if I had any other credit cards and I said I did not have any other cards to give him. I think this was a deceitful illegal act on this man 's part XXXX XXXX to do that as I never authorized him to ask for an additional {$1000.00} on my credit card or another {$500.00} which he tried to get when they would not give him the {$500.00} and I want that additional {$500.00} removed from American Express who never asked me if I authorized it. I know some banks call you when it is a large amount before they pay it asking if you did this with your permission or authorization.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-22
Company: AMERICAN EXPRESS COMPANY
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
I am an American Express XXXX Card customer. I have been since approximately 2004. Until last week, for the proceeding 13 years, I was able to mark, investigate, and/or challenge questionable charges via the American Express XXXX Card customer portal. Without explanation, last week, American Express revoked my access to do so. I would like that access restored.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
the refuse to continue to investigate my dispute. I have requested them to provide me with the individual who validated or denied my request along with evidence to support my dispute. I have attached a copy of the last letter I sent with todays date on it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-06
Company: Southwest Credit Systems, L.P.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX of 2021 I received a letter from Southwest Credit systems stating that I owe a XXXX phone bill. I responded within 30 days asking for debt validation. They sent me a copy of a statement from XXXX that has no signature from anyone. I noticed that the copy they sent me is the same one that was sent to me previously from another collection company named XXXX XXXX. They could not validate the account either. I sent another letter to Southwest Credit asking for full validation or the removal from my credit report. I also stated to them that I am in the middle of a major purchase that relies heavily on my credit score and by them reporting this to my credit report may have put this purchase in jeopardy. Southwest credit just sent a copy of the same statement again with no kind of respone to what I had explained to them. I have called XXXX several times asking about a bill in my name and they told me that I do not have any outstanding bills with them. Southwest Credit has not contacted anyone at XXXX and they are just getting their information from a fraudulent statement that can not be verified. They can not prove the account number, the amounts or anything else about this account. They are going by the information they received from XXXX XXXX. They haven ; t shown me any documents showing that they have been contracted by XXXX XXXX to even try to collect on this account. Southwest credit put this account on my credit report the day they signed for my validation request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05
Company: CITIBANK, N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Citibank in XXXX. Then I moved to XXXX. I fully updated all my personal information and legal status throughout the process. 

Then, out of the blue, they decide to freeze my account! 
I did not receive any warning email. They did not send me any post to warn me of the freezing. I had money in the account and no cash in hand. And worst of all, they did this on a Friday, which means I had to wait until the following Tuesday until the customer service officer responsible for the freezing to come back to work. I had to spend 4 days without any cash in hand or withdrawal. I had to go to the currency exchange in order to buy my food! 

The employees at the XXXX branch in XXXX did their absolute best to help me out and resolve my case. I watched them call the customer service guys in front of me multiple times. No matter what they did or who they spoke to, the headquarters gave no satisfactory answer other than " Have him come back next Tuesday ''. 

When I came back on Tuesday, the only thing the bank could do for me to get my money back is to CLOSE THE ACCOUNT. That 's because the headquarters were unable to legally process my case. 

The bank employees advised me to take my money to another bank, because the headquarters were " too slow '' in processing my case. I could have spent another 2 weeks with a frozen account while they took their sweet time. 

As of the time in which this problem occurred, I was ( and still am ) an XXXX from XXXX. That was my legal status in the USA. It was valid and supported by my lawyer. But the Citibank people had no experience dealing with my XXXX applicant status, and they did not communicate effectively why this problem happened. If they had told me about the problem EARLY ( at least through email! ), I would have talked to them and worked with them to fix it, not spending 4 days with no cash in hand.

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 2021-08-07
Company: R & B Corporation of Virginia
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX.I have been fighting with Credit Control Corp about a collection that has been on my credit report. The original creditor is XXXX XXXX  XXXX. The original date was XX/XX/XXXX. The past due balance is {$77000.00} This bill does not belong to me. My deceased husband was taken to that hospital when he had a XXXX. I have never been a patient at XXXX XXXX  XXXX. My husband died on XX/XX/XXXX, 2 months after his hospital stay at XXXX XXXX. I have called the billing department on numerous occasions trying to resolve this issue. I have also submitted disputes on this matter with no resolution. No bills have ever been mailed to my home from XXXX XXXX  or Credit Control Corp with the amount {$77000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: ENOVA INTERNATIONAL, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I filed a complaint about the same company and account last month. The company is listing my account as a bad debt rather than a bankruptcy payment plan. The settled amount is also inaccurate. My account status and amount were fixed last month but have since returned to the same wrong information as before. However, a bankruptcy dated XXXX was written and mine was in XXXX of XXXX. This inaccuracy was never fixed. My attorney notified them in writing last month but it would appear that they are attempting to damage my credit long term without following appropriate guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-28
Company: SCA Collections, Inc.
State: KS
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Received collections letter from SCA collections regarding XXXX XXXX XXXX, i have no knowledge of this debt & ask that it be removed from my credit file.

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 2016-11-15
Company: BBVA FINANCIAL CORPORATION
State: MO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
BBVA Compass-I have a car loan thru this horrible company. Today is XXXX and I called to make a payment. I knew I was late and I was prepared to pay a late charge. The representative stated that I had a late charge from XX/XX/XXXX too! In XX/XX/XXXX, I called and made that payment thru a representative. Not once did he/she mention a late fee! No one has called about this late fee. I have not received a letter. Nothing! How can they assess a late fee and never tell you?!?! I refuse to pay a late fee that I was never informed of.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-10
Company: PNC Bank N.A.
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Several transaction posted to my account which were not authorized or duplicates. I contacted the bank to dispute these which was done without issue. I was informed by the bankers loss prevention department on this day XXXX XXXX that the bak placed a freeze on the account to keep it from going more negative and I asked if the account was being closed. They said no it was not and to call back once the disputes had gone through and any remaining negative balances were resolved and that the accounts would be unfrozen, no issues. Cash was deposited today to cover any remaining amounts overdrawn and to cover an outstanding check that was written. The bank gave me to run around for several hours and refused to release to hold on the account, even to give me back the cash that was deposited just hours before. One branch manager at the XXXX XXXX XXXX XXXX XXXX named XXXX refused to help me and told me I needed to leave when told that I would be contacted the CFPB if this was n't resolved. The bank is still refusing to release to hold or release my funds and the banker I worked with before the mananager told me he did n't know when, if the funds would ever be unfrozen.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: Navient Solutions, LLC.
State: CT
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
According to my records, my student loan with Navient was paid in full. I made regular recurring payments. In spite of this they turned my loan over as " defaulted '' to the US Department of Education, which is now attempting trying to garnish my tax refunds. 

The US Department of Education sent me a letter giving me 15 days to dispute this, while refusing to provide me with the loan history and payment information I requested of them. They letter was dated XX/XX/XXXX, I received it on XX/XX/XXXX! 

This is outrageous.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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: Investigation took more than 30 days

Complaint:
I have submitted a debt validation dispute and it has been way past the time legally alotted and havent had any response yet. 

Original sent XX/XX/21 Sending second validation request XX/XX/21

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 2016-02-19
Company: AMERICAN EXPRESS COMPANY
State: NJ
Product: Credit card
Issue: Rewards

Complaint:
American Express and Delta Skymiles Program sent me an invitation to apply for their card and as a bonus offered XXXX skymiles after a {$1000.00} spend. I applied, got approved and spent a {$1000.00} with 2 months. 

Now, Amex is refusing to post the miles on the pretext that i was a member in XXXX and got the miles. 

If Amex had my SSN # and prior card membership, why was I sent the invitation again? 

This is a BAIT and they are defrauding consumers. 

I called XXXX and spoke to Supevisor XXXX, at XXXX EST on XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-07
Company: Conn's, Inc.
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: Account information incorrect

Complaint:
I have checked my account and on my credit report they show a balance of {$1700.00} owing on my account when I actually owe {$610.00} on the account. I have called and to no avail no one was willing to assist me in correcting this accounting error.

Company response to consumer: Closed with explanation