BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-11-24
Company: LTD Financial Services, L.P.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Debt collector LTD acquisitions LLC has harass my job my home phone about a debt I never had with them they are in XXXX violations and Im plan to sue them if they dont remove debt and stop harassing me

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: HCFS Healthcare Financial Services of TeamHealth
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: Information belongs to someone else

Complaint:
CEASE AND DESIT VOLENTI NON FIT INJURIA to a willing person, it is not a wrong ARS ACCOUNT SOLUTION company this is a written request for you to cease and desist all forms communication with me effective immediately. 
12 CFR 1006.6 ( c ) ( 1 ) ( c ) Communications with a consumerafter refusal to pay or cease communication notice ( 1 ) Prohibition. Except as provided in paragraph ( c ) ( 2 ) of this section, if a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wants the debt collector to cease further communication with the consumer, the debt collector must not communicate or attempt to communicate further with the consumer with respect to such debt.

15 USC 1692 ( c ) c ( c ) Ceasing communicationIf a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumerwith respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy.

If such notice from the consumer is made by mail, notification shall be complete upon receipt.

Furthermore you have no jurisdiction or authority to collect on this allege debt.

( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.

volenti non fit injuria Volenti non fit injuria is Latin for to a willing person, it is not a wrong. This legal maxim holds that a person who knowingly and voluntarily risks danger can not recover for any resulting injury. This principle is the common-law basis for the assumption of the risk doctrine.

You ARS ACCOUNT SOLUTION knowingly and willingly purchased or was assigned this alleged debt knowing fully the consequences and risks that came with the possession of said alleged debt YOU CAN NOT CRY INJURY OR DAMAGE FOR RISK YOU WILLINGLY ASSUED TO TAKE ON Volenti non fit injuria Delete this alleged debt from your databased and DELETE this account from any consumer reporting agency that you may have furnished this deceptive and inaccurate information to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-03
Company: First Technology Federal Credit Union
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
First tech federal credit Union refused to return funds to me exceeding {$800.00} even when the merchant initially responsible for the charge was not taking steps to contest my dispute. I dont understand why a credit union would act this way, and until resolved XXXX XXXX am not able to trust first tech with my finances. They XXXX XXXX {$800.00} from me!

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 2019-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
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:
On XX/XX/2019 Kohls Department store credit card reported that I filed Bankruptcy to XXXX. I did not file bankruptcy. I have contacted Kohls and was assured by the office of the president that the matter is resolved by a forced reset that would take 24 to 48 hours almost 2 weeks ago. I contacted XXXX yesterday and the claim that they have heard absolutely nothing from Kohls and that the bankruptcy report stands. 

My credit score has dropped by 70 points. I had intended to qualify for a home loan this month. The whole matter came from a pair of {$30.00} shoes that were purchased on black friday. I had signed up for a paperless text message billing notification. I received no billing notification by text, mail, or phone until a phone call on XX/XX/XXXX at which time I paid the bill in full including almost {$100.00} extra in late fees. Later that day I phoned Kohls and my account was credited {$30.00} for some of the late fees since I was not notified of the bill and I am never late with a payment. The next day my credit report showed a bankruptcy. 

This report is entirely inaccurate and is damaging my family well being. I have spent hours on the phone with both Kohls and XX/XX/XXXX. I have documentation of the credit report. I can supply images of text verification of the paperless billing confirmation and the subsequent lack of any notification via phone records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-06
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
This is the third time in two weeks this has happened. I put a stop payment for XXXX and the funds still came out of my account for $ XXXXand I was charged {$20.00} for the stop payment fee. I am protected by the FDIC which my deposit insurance protects me as a customers in the event that an FDIC-insured depository institution fails. Bank customers dont need to purchase deposit insurance ; it is automatic for any deposit account opened at an FDIC-insured bank. Deposits are insured up to at least {$250000.00} per depositor, per FDIC-insured bank, per ownership.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: ROBINHOOD MARKETS INC.
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Robinhood is preventing me from closing my account and returning my funds to my original funding bank because I take issue with their selfie holding an ID for identification. Note that the restriction to my account was placed only after I funded the account with a second large fund transfer. At this point I merely want to close the account and not do business with them. When I requested for alternative way of verification they told me there are none and that I will not be able to get my money back unless I provide a selfie. Below are the sequence of the events. 


1 ) initial {$1000.00} deposit to Robinhood 2 ) Traded with the initial fund without issue 3 ) Transferred additional fund of {$38000.00} 4 ) Robinhood restricted my account without providing a reason and requested me to send a selfie holding an ID. Complied with all document request except for the selfing. Provided color copies of front and back of driver 's license, social security card, funding bank statements with my address. 
5 ) when I took issue with the selfie and requested to close the account they told me I can not close my account unless I provide the selfie to lift the account restriction. 
6 ) filed a complaint with SEC 7 ) Robinhood responded to the SEC complaint with the same request for a selfie. 
8 ) Replied Robinhood asking how they plan to close my account and returned my fund. 


If a selfie was the requirement to get the customer 's money back they should not have accepted my two inbound transfers at the first place. However to make it a requirement for account closing after funding is in effect holding the customer 's money hostage. 

In light of the recent hack attempts I do not trust XXXX with customer privacy and simply want my account closed and fund returned to the original funding bank. https : XXXX Nowhere in their term of agreement was a clear statement on the requirement for a selfie to close an account. At this point I'm unable to withdraw my fund to close the account due to Robinhood 's insistent for a selfies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-28
Company: TD BANK US HOLDING COMPANY
State: NJ
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:
On XX/XX/XXXX I contacted TD Bank in regards to a credit card dispute for XXXX XXXX XXXX XXXX XXXX purchase in the amount of {$11.00} dated XX/XX/XXXX. I had purchased the car wash but never received the services as the automatic car wash machine was not working. The number on both TD Bank letters ( XXXX ) XXXX are no longer in service and they have not updated them on their letters. On XX/XX/XXXX I received a letter from TD Bank stating the dispute filed was not in my favor and I must resolve the issue with the merchant. TD bank was aware that I had tried all avenues to get in contact with the merchant but the merchant would not return my call. I called TD Bank to appeal and they said they would work on it and I also asked for documentation used to make their decision as stated on their own letter which states I have the right to receive. I called numerous times and they refuse to provide me any documentations.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: JPMORGAN CHASE & CO.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XXXX, I was going to lease a house and wired a security deposit and first//last month rent to XXXX XXXX XXXX via my XXXX XXXX XXXXXXXX account to a Chase Account . I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank XXXX XXXX and filed a fraud claim on XXXX. I provided Bank XXXX XXXX with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. XXXX XXXX XXXX initiated a fraud claim. I constantly called to get updates and XXXX XXXX XXXX check and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XXXX and spoke to XXXX in the Check and Fraud Department and she XXXX XXXX XXXX XXXX case was closed and my funds were not recovered. XXXX XXXX XXXX never sent me any notice or kept updated on the investigation. Amount lost : {$11000.00} Claim Number : XXXX On XXXX XXXX XXXX I was contacted by XXXX XXXX Resolution Specialist at XXXXXXXX XXXX XXXXXXXX XXXX She told me XXXX XXXX XXXX is not going to get my money back from Chase bank. She stated I can call Chase Bank and ask for my money back. I contacted Chase Bank and was told these claims are handle bank to bank. I was told by Chase bank I can not do anything and to have my bank contact Chase Bank. XXXX XXXX XXXXXXXX is giving me inaccurate information in an effort to circumvent returning my money and closing my claim. 

XXXX XXXX XXXXXXXX is blaming Chase bank for not returning the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: JPMORGAN CHASE & CO.
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX, I received a call from a scammer that had access to my debit card information. I immediately contacted Chase to have report my card as stolen. I received an email stating my replacement card request had been received. Later that night, I received a fraud alert from Chase about a purchase in XXXX, GA that I responded to indicating it was not me attempting to make the purchase. My card was canceled again. The next day, XX/XX/XXXX, I noticed four charges to my checking account : XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX {$140.00} XXXX XXXX XXXX XXXX XXXX GA XX/XX/XXXX {$130.00} XXXX XXXX # XXXX XXXX GA XX/XX/XXXX {$140.00} XXXX XXXX  # XXXX XXXX GA XX/XX/XXXX {$130.00} Two of the transactions were still pending and Chase canceled those accounts. I was issued a temporary credit for {$270.00} and that credit was reversed on XX/XX/XXXX. On XX/XX/XXXX, Chase sent an email stating their investigation determined the charges were not fraudelent even though these charges occurred after my card was reported stolen. Per the fraud department, I sent the below attachment and have yet to hear anything back from Chase regarding this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-08-22
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America closed my account.I would like to know why they closed out my account.I would like to my account reopened

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 2022-06-10
Company: National Credit Systems,Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to you regarding the security deposit in the amount of {$2900.00} that was paid for the lease, signed on XX/XX/2019. Several months after terminating my lease, I received a collection claim from National Credit System. National Credit system has not provided me with an itemized breakdown of the outstanding claim. This was surprising, given that that a representative from the management office at my prior residency recently indicated to me that a claim was filed and paid with an insurance provider " XXXX. '' Furthermore, this representative indicated to me that there should not have been any effect on my credit as no collection were filed against my account. The debt collector has refused to remove this item despite my submission of numerous documents objecting to the balance. The outstanding balance on the account is ~ {$1300.00} and per my recollection, a {$3000.00} deposit was paid, which should have offset my outstanding balance. Unfortunately, the management office of my prior landlord has misplaced my security deposit. XXXX has, instead, sent me a copy of a surety bond that appears to not be in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-16
Company: JPMORGAN CHASE & CO.
State: NJ
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:
Purchased flight with XXXX XXXX for {$510.00} on XX/XX/XXXX. 

Airline went bankrupt before my scheduled flight XXXX XX/XX/XXXX. XXXX XXXX, so I filed a dispute with Chase as I never received the goods/service I paid for. 

Disputes, correspondence, updates to claims, and phone calls were filed with Chase on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

Even more perplexing is that this was a family vacation. I booked my ticket separately on my own, my family booked theirs via XXXX on their own transaction, but they received a refund via chargeback from Chase, but I was denied. 

CLAIM ID : XXXX CLAIM ID : XXXX CLAIM ID : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-03
Company: GOLDMAN SACHS BANK USA
State: TX
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 received damaged makeup and I am willing to return the items, but the company it was purchased from is not responding to my emails. I have contacted both apple/goldman sachs and they have closed my dispute with no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-26
Company: EQUIFAX, INC.
State: MO
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 am submitting another CFPB complaint to you today to request once more to remove the fraudulent accounts and information that are being reported on my Credit File. My credit report contains a significant number of unauthorized requests, as well as some erroneous reporting of accounts and Information. I can tell that someone has stolen my identity. As a result, I filed a formal report to the FTC with File Number # XXXX. In accordance with the provisions of FCRA Section 605B ( 15 U.S.C. 1681c-2 ), I have included that report in this complaint. Please remove these items from my credit record as soon as possible to comply with the law ( i.e., 4 days ). Below is the list of accounts and information that you should have removed a long time ago. lease let me know if you require anything else. 
XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. Also, you have failed to send me copies of proof of verification from your alleged " investigation ''. If you truly verified these items by means of proper investigation, you should have sent me any supporting documents. Failure to deliver these document should have resulted in the deletion of the disputed items.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-24
Company: EQUIFAX, INC.
State: MA
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, who is submitting this XXXX  complaint myself, and to inform you that there is no third party involved in the process. My request for the removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/XXXXXXXX, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, XXXX XXXX  Sections XXXX within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non- compliance with federal statutes. PLEASE REMOVE THE FOLLOWING ACCOUNTS THAT ARE STILL REPORTING ON MY ACCOUNT. 
XXXX XXXX XXXX ***** Opened XXXX XXXXXXXX XXXX Balance {$0.00} XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} XXXX ***** XXXX XXXX XXXXXXXX XXXX Balance {$0.00} XXXX  XXXX ***** Opened XXXX XXXX , XXXX Balance {$0.00} XXXX XXXX XXXX ***** Opened XXXX XXXX XXXX XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-03
Company: EQUIFAX, INC.
State: GA
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 ordered 3 credit reports on XX/XX/18 from annual credit report. XXXX amd XXXX reports were complete and available to view online. The Equifax report I received was someone elses report not related to me at all. This was NOT a mixed or merged file, I was sent a 62 page report with confidential information on it with someone elses name and personal information. 

I called Equifax and reported this twice. I was told We are sorry for the inconvenience. I am concerned about the breach in security and wonder what happened to my report. 

Please see file attached with the wrong report received. 

Equifax has been non responsive. I have also reported this to XXXX XXXX XXXX  via their online contact form.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Was not notified of investigation status or results

Complaint:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-07-03
Company: Exeter Finance Corp.
State: GA
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Inaccurate account on my credit report, XXXX  XXXX XXXX has canceled debt reported as debt, no 1099C received, violating 15 USC 1681eb. Delete XXXX XXXX  account now. Vital for my well-being and livelihood, ensure accurate credit report

Company response to consumer: Closed with explanation