BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-03-28
Company: REGIONS FINANCIAL CORPORATION
State: AL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XX/XX/2019, at XXXX XXXX I sent {$850.00} on behalf of my neighbor from Regions Bank through XXXX to a scam web site to purchase a dog. I received a confirmation that the money was sent from both XXXX and Regions Bank in XXXX, Al. The next day my neighbor ( XXXX XXXX ) called to tell me it was a fraud because he had communicated with the seller ( " XXXX '', aka XXXX XXXX ) and they wanted another {$750.00} to provide an " air-conditioned '' shipping crate. At that point, I tried to contact XXXX which has no means for registering a complaint about fraud or a means to try to stop the ongoing perpetration of a fraud. They do have a " contact '' page but it doesn't handle complaints about fraud. The only email I got back from them stated, in essence, too bad, we don't guarantee purchases through XXXX ''. I then filed a report through the FTC, I3, and then attempted to file another report through the Regions Bank " online banking '' department. Regions told me the transaction hadn't " cleared '' but that I still couldn't cancel it even though I was alleging it was fraud.I filed a report with Officer XXXX of the XXXX County Sheriff 's Department ( # XXXX ), and went to the Regions Bank Branch I use at The XXXX XXXX XXXX near XXXX Al. They took the information and promised an " investigation '', and again told me if I sent the money it was out of their hands unless my bank account had been breached. If I allege a fraud has been committed, Regions or XXXX should have a system to stop payment to determine the facts. XXXX, in particular, should be forced by the Federal Reserve to have a method to try to catch fraud with input from the individual customers ( consumers ) of their service. The response shouldn't be " Tough, we told you not to send money to someone you don't know. '' They should be forced to try to stop fraud and to publish fraud losses on their web site compared to XXXX XXXX, and Credit Card Companies and banks.

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 2021-07-10
Company: Experian Information Solutions Inc.
State: IL
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:
XXXX  is telling The US Department of Education that I have a credit freeze when I never had one.

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 2021-07-10
Company: Ability Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX this company reported on my credit report for XXXX and I have never done business with them and dont know who they are. I dont owe them anything.

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 2019-05-22
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Today ( XX/XX/XXXX ) I was unable to freeze my account with Experian. I gave them the correct information, same as always, tried it twice, they refused to freeze the account or give any explanation, and seem to think I should email them personal info and hope they then freeze it. So I did that in the past, and again, they never respond. 

My account should be frozen online like before, so I am not victimized again by these companies. I called their numbers and they refuse to answer the phone at all, let alone help me, the voice tree just hangs up on you, no matter which numbers you choose. This is ridiculous. I placed a freeze with them before, so I know they are capable of doing it, they are deciding not to follow the law intermittently, because they are so incredibly corrupt they might as well be the mafia - except the mafia if it had REAL power like these agencies do. Wonder when our enlightened senators are going to oppose them? Never, I can see that. But I will voice my opinion and these days anyone can go viral with a complaint, especially if it is ignored by the conventional channels.

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 2018-06-17
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
The federal law of 'right to refuse service ' has its limits, that may extend beyond civil rights. Likewise, as per the Consumer Review Fairness Act of 2017, it's illegal for a company to impose a penalty against someone who gives a review, which can even be about its customer service. ( Source : https :  //www.ftc.govXXXX ) I asserted my rights as a customer by tweeting against American Express ' poor customer service ( especially that of its overseas ' teams, which provide so poor quality service, that it seems they work on some sort of a contract for American Express , and aren't American Express employees ). Ever since I ( privately ) complained against a deceptive privacy & data security claim by providing audio of a call to the American Express Social Customer Care team ( XXXX handle : AskAmex ), it has been boycotting me by ignoring my XXXX & messages, and helping out everyone else who tweets to it. 

Until that point ( XX/XX/XXXX ), I had only posted a meme about their overseas customer care, and had posted screenshots of comments by one of AmericanExpress.com 's chat-based overseas customer service representative. I hadn't even been remotely rude towards the AskAmex team-members until then, and can prove it via my tweets, and XXXX messages exchanged with XXXX. I also hadn't used vulgar language, and had only provided my honest reviews, yet XXXX has been boycotting me since XX/XX/XXXX. 

XXXX is the best customer care team of American Express. 
I believe it's illegal for it to retaliate against me for posting honest reviews by refusing me service, even though it may disagree with my assessment or opinion of American Express ' overseas customer care teams.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
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:
CapitalOne dispute Case Number : XXXX from : XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 XXXX I have an order ( # XXXX ) for a XXXX XXXX XXXX XXXX  Chair from the XXXX, The delivery carrier is XXXX  and tracking number is:XXXX XX/XX/2021 I reported package arrived damaged to the merchandise at XXXX same day immediately ( pls refer evidence by email copy ) When we got this package and found damages.and I also requested FULLREFUND and RETURN LABLE. 

I sent out the photos of damaged items and shipping carton & lables to them by their request. 

XX/XX/2021 XXXX After many of call and email correspondence their customer support member XXXX offer me {$100.00} discount for the defects and damages, and I DECLINED their offer, because the order doesnt mach the new condition which I received. 



XX/XX/2021 XXXX Their team member XXXX tried to replace one part without my consent.I send email to decline their resolution. 

in the same day I dispute the charge to Capitalone. 

XX/XX/2021 XXXX They agree to issue a Full Refund.their supervisor XXXX XXXX contact me and sent me a email confirmation. 
But I need to help them to donate this package to donation center XX/XX/2021 XXXX I have completed the donation, and approved the receipt and photos. 
I HAVE NO LONGER POSSESSED THIS ORDER.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-04
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX XXXX Date of inquiry XX/XX/2021

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-03
Company: REGIONS FINANCIAL CORPORATION
State: KY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
Posted a cash deposit on XX/XX/2018 in the amount of {$800.00} well before the XXXX XXXX cutoff. Regions did not post this deposit to my account XX/XX/2018. The money just saw there even though, it was coming directly from my checking account. 
On XX/XX/XXXX, I was told by XXXX, the credit card supervisor that it takes 48-72 business hours for cash deposits to post to an Explore account. I  attempted to explain that I had never experienced this type of undue delay with a cash deposit. She was rude.

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 2021-07-10
Company: Voss & Klein, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX this company reported to the credit bureaus I owe them XXXX I have never done business with this company and I dont owe them anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
On XXXX XXXX this company reported to the credit bureaus that I owe XXXX when I have never done business with their company and I dont know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I HAVE A CAPITAL ONE CREDIT STEPS PROGRAM CARD, IN THIS PROGRAM IF YOU MAKE YOUR CREDIT CARD PAYMENTS EARLY OR ON-TIME CAPITAL ONE WILL ADVANCE YOU TO A QUICKSILVER CREDIT CARD A ND RAISE THE CREDIT LIMIT FROM {$300.00} TO {$500.00}. I COMPLETED THE PROGRAM SUCESSFULLY AND WAS GRANTED THE QUICKSILVER CARD W/ {$500.00} LIMIT. UNFORTUNALEY IN XX/XX/2018 WE HAD A DECLARED NATURAL DISASTER " MICHEAL '' THAT HIT SOUTH CAROLINA XX/XX/2018. I IMMEDIATLEY CONTACTED CAPITAL ONE TO MAKE THEM AWARE AND I WAS TOLD THAT A NATURAL DISASTER CODE WAS PLACED ON MY ACCOUNT TO AVOID HURTING MY CREDIT RE : LATE PMNTS ON THIS ACCOUNT. CAPITAL ONE STILL CONTINUED TO LEAVE THE LATE PMNT DELINQUENCY ON MY CREDIT FILE AFTER SPEAKING WITH ME ABOUT THIS SEVERAL TIMES. I WAS NEVER GIVEN ANY INFORMATION OR ADDRESS TO SUBMIT MY DOCUMENTATION TO REMOVE THE LATE PMNT FROM MY ACCOUNT " WHICH THEY DO HAVE AVAILIBLE '' CAPITAL ONE KEEPS GIVING ME THE RUN-AROUND IN RESOLVING THIS ISSUE AND IN RETURN THIS IS RUINING MY CREDIT SCORE.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-17
Company: Orions Management Group, LLC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
On XX/XX/2018 at XXXX XXXX on saturday I received a voicemail from XXXX XXXX from orion management group. They said it was urgent and to call as asap. So XXXX I called back and spoke with the agent. He then proceeded on about a collection I have through XXXX  credit card. He told me that he has on file that they tried to call me about the debt and that I replyed bavk " just sue me '' I told him that I never received a phone call from them nor did I ever say to just sue me. He then proceeded on to me that I am going to recieve a court summons on Monday. He told me that he is working on behalf of there companies lawyer. He then went on to tell me that if I settle this debt for {$500.00} then they will stop the summons. I then told them that i can pay the {$500.00} on the XXXX, but he wanted my debit card information right now so he can put a ach debit for the XXXX. I then told him I can not do that because I've done that in the past and they illegally tried to withdrawal {$5000.00} in my account, and that I had to hand my account t over to fraud and close it. He then went on to tell me that that isnt his problem and that I have no other option. He then threatened to contact my employer in which I told him that I don't take personal calls at work. He then said again that he will be contacting my employer and that if I'm not willing to give my debit card information right then and there then I will be getting a summons on Monday. I am currently trying to get this all situated as this is a collection account t I don't recognize. I have documentation stated that my information from my background investigation for the military has been hacked into and stolen. I have a letter from OPM amd the federal government. I'm just very careful as I want to make sure this is truly mine and if it is this gives them no excuse to treat people like this and try to harass and intimidate people by misleading them and having very shady collection practices.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I already have an active complaint which Chase reached out to me and was supposed to stop payment on 2 checks and deposit them back into my account. Only one check was deposited and so I called today and at first was told the other check would be released by the end of today! The end of today came and no check! I called back and they said they had no recollection of this! I want my funds deposited back into my account NOW!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
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 been a Kohls charge card holder for many years. In XX/XX/2018, there was a mix up between mine and my husbands cards and he accidentally used mine rather than his without my knowledge. ( Did you know you guys have sent me SIX new cards in the last year?? SIX. Its no wonder he grabbed one of my SIX Kohls cards that I never requested. And how troubling that the cashier didnt ask to see an ID as the card only has my name on it and says to SEE ID. ) Due to not knowing that I was carrying a very small balance on my card, it went unpaid resulting in a negative impact on my credit score. In this time, I have not received ANY phone calls, or notices that there was a past due amount that needed to be taken care of. I was just in the store last week and used the card and nobody told me then, either!!! I had the funds to pay to small amount due had I known about it. No notices, no phone calls, nothing in the mail. I am requesting that Kohls removes this late payment from my credit report. I have been a loyal customer and without this being removed, I will be forced to close my account. I can not do business with a company who lacks severely in communication with their cardholders!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-29
Company: Experian Information Solutions Inc.
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:
XXXX  has sent false info about me to at least 3 Credit Bureaus! 
Probably more! 

XXXX falsely claims that I am allegedly behind on payments! 
That is FALSE! 
The truth is- I an enrolled in AUTO-PAY! 

SO the payment is supposed to happen automatically!

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 2018-07-09
Company: Nelnet, Inc.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I have several complaints. The first being I was told I could forebear my loans during my husbands XXXX. When the loans came due they DOUBLED In price. I now owe more than {$98000.00} and only took out {$42000.00}. 

Second, I have been paying for years in an approved program to have my loans forgiven ( as both my husband and I work in public service ) to talk to them recently and be told I wasn't in the RIGHT program for forgiveness!! 

We pay almost {$1000.00} a month in payments and our loan is growing still. We have a XXXX XXXX XXXX about to go to college and still are paying on ours-and have been for 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-21
Company: ENCORE CAPITAL GROUP INC.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Hi - I just received a call from my bank - XXXX XXXX of a Legal Order from XXXX XXXX with a number to call - XXXX. 
Called them and they directed me to another number stating this is not what they can discuss as they could not view fully the account which was bought by XXXX XXXX through XXXX XXXX  XXXX. 
I eventually called the number they gave me which was for XXXX XXXX XXXX. I spoke to a legal rep who is named XXXX XXXX and advised that i allegedly have a bill from XXXX card in XXXX which was filed with the court with an address on file. 
I challenged why they did not try to contact me or notify before having the court put a levy on my bank account. 
I do not own a XXXX card in XXXX, no correspondences whatsoever. I demanded a statement or bill which they said they will look into and furnish but damage has been done with my account. 
XXXX XXXX XXXX do have my current information as i dealt with them early this year on a XXXX bill owed in XXXX which was eventually paid off. 
It is shocking they went behind me to file a motion in court and they lied they only had my old address on file which i never received any communications from them on the XXXX card statement for XXXX. 
I hope i will be able to be compensated under FDCPA for harassment unfair judgement. 
There are statute of limitations on credit card debts also allegedly owed in the state of New Jersey. 
Please look into this and help out so they can do the necessary by providing all relevant documents at the earliest and lift immediately the hold on my account with restoring what they already deducted which is fraud. I was never contacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
Items were disputed. They were given 30 days and did nothing. Now they are breaking the law, both Federal and state by not deleting the items.

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 2018-02-22
Company: Navient Solutions, LLC.
State: WV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
In XX/XX/XXXX, my husband and I refinanced our mortgage loan taking some of the equity to repay college loans. One of them was a XXXX XXXX loan for my daughter, XXXX. We instructed the bank and the mortgage lending company, XXXX XXXX, to send {$19000.00} to XXXX XXXX to be applied to the principal of my loan. This was my agreement with XXXX XXXX, along with instructions that I continue with monthly payments once the funds were applied and new monthly amounts were determined. I did not receive further payment information from XXXX XXXX even after a phone call inquiry. Sometime after the payment was made, XXXX XXXX and Navient separated. My loan was apparently assumed by Navient without my knowledge. I have not moved in over 25 years, so mail should not have been an issue, nor phone numbers. Navient apparently considered the payment as " payments toward the future '' and did not recalculate monthly payments. This step was to their advantage as they continued to add interest charges to the loan amount. This is most disturbing as I have been informed they have tacked almost {$7000.00} onto my loan. Why would I have made a bulk payment of over {$19000.00} only to incur an additions {$7000.00} in interest? Since XX/XX/XXXX I have been receiving nearly daily phone calls about late payments to a company I knew nothing about. I never received any paperwork from the company, and therefore, knew nothing about who they were or what loan I had with them. It took multiple phone calls to get accurate information and weeks to get ANY paperwork from Navient. Even then, all I received was a copy of my loan origination papers NOT current loan amounts or payment amounts. I last spoke to a representative with Navient on XX/XX/XXXX with no satisfaction to my inquiry - only being told this is the way it is.

Company response to consumer: Closed with explanation