BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-07-15
Company: FIRST NATIONAL BANK OF PENNSYLVANIA
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
XXXX XX/XX/2023 Subject : Complaint against First National Bank of Pennsylvania for Denial of Claim Regarding Undelivered Online Purchase Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against First National Bank of PA regarding the denial of my claim for a purchase made online, where I never received the merchandise. I firmly believe that I should not be held responsible for payment on an item that was never delivered to me. 

On XXXX XX/XX/2023, I made an online purchase from XXXX XXXX via XXXX using my First National Bank debit/credit card. The transaction amount was {$540.00} with an initial hold amount of {$190.00}. However, despite repeated attempts to contact the merchant and request the delivery of the purchased item, it has not been received to this day. 

Subsequently, I initiated a claim with First National Bank in order to dispute the charge and seek a refund for the undelivered merchandise. However, to my dismay, my claim was recently denied by First National Bank, stating that the charge was considered valid and that I am responsible for payment. 

This denial of my claim is deeply concerning and unfair. I fulfilled my part of the transaction by providing payment, but I have been left without the promised merchandise. It is unjust for me to bear the financial burden for an item that was never received. 

I believe that First National Bank 's decision to deny my claim is in violation of consumer protection regulations and contradicts the principles of fair and responsible banking. As a customer, I should be protected against fraudulent or non-delivered purchases, especially when they are made through reputable online platforms. 

I have made several attempts to resolve this issue directly with First National Bank, but their responses have been unsatisfactory, leaving me with no recourse. Therefore, I am seeking the intervention and assistance of the Consumer Financial Protection Bureau to investigate this matter and ensure a fair resolution. 

Enclosed with this complaint, you will find relevant documentation, including copies of the purchase receipt, correspondence with XXXX, as record of my communication with which clearly demonstrates my efforts to resolve the situation. 

I kindly request your immediate attention to this matter and your assistance in rectifying this unjust denial of my claim. I also ask that you keep me informed of the progress made in investigating and resolving this complaint. 

Thank you for your prompt attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to protect consumers ' rights and ensure a fair resolution in this case. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Avadyne Health Holdings, Inc
State: IA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Requested a validation in a letter sent to this debt collector dated XX/XX/2023. Under provisions of the FCRA and the FDCPA, this creditor was required to respond and remove the collection off reports and cease and desist all collection efforts pending my review of all information sent for validation purposes. Creditor has chosrn to ignore the letter in violation of Federal Law.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: JPMORGAN CHASE & CO.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Want a follow of my case against Chase bank. Chase bank gave me a case # XXXX this was acknowledged by Chase CEO Dept. Submitted this case last XXXX XXXX XXXX. Still nothing done about complaint. Chase is holding & delaying my gov't pension. This happened since XXXX Chase delayed paying my gov't pension. Now XXXX XXXX XXXX XXXX received my XXXX XXXX gov't pension but until now Chase bank is holding my XXXX XXXX pension it's already XXXX XXXX nothing done yet. Chase said this case will be expedited? Here it comes XXXX week of XXXX no pension given to me for the XXXX of XXXX. Because of delaying my gov't pension I am demanding to DOUBLE the amount of my gov't pension for the XXXX of XXXX AS A RESOLUTION if this case. I supposed to pick up my XXXX XXXX prescription refills & pay my co-pay for meds because of Chase bank not releasing my gov't pension I can't even pick up my XXXX because Chase is holding my pension.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I went to XXXX to place two order worth {$76.00} and {$85.00}. I tried to pay for those transactions with my Discover Card using XXXX XXXX. I wanted to use XXXX XXXX  because Discover Bank sent me two emails and publicised heavily about their XXXX XXXX cashback promotion during this quarter : XXXX. Thus, I wanted to take advantage of the offer and hence went to XXXX to place my two orders using XXXX XXXX. 

However both the transactions were declined by Discover and I was so embarrassed when the cashier said that the card was declined. I was looked down upon like a beggar having no funds to pay for my meal/order by the cashier and I can understand the cashiers perspective. I thank XXXX that I had other credit card to fulfill the transaction. However, I will never forget the public embarrassment I had to go through just because I wanted to use my Discover card. 

Note : I had enough credit limit available in my account to make the charges but still was declined to pay the charges. 

I have never been treated so badly in public for not having money. I make over $ XXXX and still had to go through this turmoil. I am scarred and highly disturbed by this incident and its impact over my mental health When I call customer service at Discover, they say that they are having a system/technical error and just dont acknowledge the gravity of the situation. They say they just cant do anything. The most annoying part is that they dont even give a complaint/case number and are unsure of whether there will be a follow up of the complaint. This is very pathetic. 

Lastly, I also lost {$16.00} in cashback because of the declined transactions. It was a worst day and highly regret using Discover. 

I need compensation for all the inconvenience caused and for the discrimination I had to face today. I need a call-back and REGULAR follow-up regarding my complaint. 

There has been a pattern with Discover. The customer service executive say they raised a complaint but not give a complaint number and neither any acknowledgement of receipt of the complaint. And then they say it will be handed by Corporate office and thats it, they just never get back regarding the complaint. Thats non-accountability of the highest level

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-13
Company: CITIBANK, N.A.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I initiated a customer service chat with citibank on XX/XX/18 and was told that Citi does not reveal accrued interest to customers using the website ( which is the only way I can see my account, pay bills, etc ). I am being charged interest without being told when or how much.

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 2023-07-15
Company: Central Portfolio Control Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX  MBA XXXX XXXX XXXX XXXX XXXX {$290.00} XXXX XXXX XXXX {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX 15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Advantage Collection Professionals, Inc.
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I have a collection account on my credit report that I have no knowledge of. I never received any kind of communication from the collection agency, and was never notified of having any owed balance being sent to collections. I disputed this with XXXX and they refuse to remove the unknown collection account from my credit file. This collection account has hindered my ability to get accepted for any type of personal loan, and has made it extremely hard for me to even try to raise my score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Resurgent Capital Services L.P.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX XXXX XXXX Resurgent receivable XXXX XXXX XXXX {$290.00} LVNV funding LLC {$150.00} XXXX XXXX {$77.00} XXXX XXXX XXXX {$70.00} XXXX {$37.00} XXXX XXXX  15 U.S.C section 602 A. States I have the right to privacy 15 U.S.C section 604 Section A. It also states that a consumer agency can not furnish a account without my written instructions. 15 U.S.C 1681c ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following items of information.Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer TV reporting agency if the person knows or has reasonable cause to believe that the information is accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
I received a letter from Wells Fargo stating they decreased my credit limit from {$4300.00} to {$1800.00} for the following reasons : Late Payments or Negative record 12 months Too Little time since credit card opened Recent Late Payments on my credit report The letter states the decision was based on my consumer credit report. 

It also states my current score is XXXX ( score range from XXXX - XXXX ) When I called Wells Fargo on XX/XX/2023 and told them none of the above was true, I never had any late payments on my credit report from any on my credit cards including Wells Fargo. I was told it was because my bank checking accounts had showed bad banking history.

I do not owe Wells Fargo any money for fees as they take their money for NFS fees when I go negative. I havent paid them excessive fees for NFS and truly believe that this action is racially motivated on behalf of Wells Fargo.

My credit utilization across the board is an average of 26 %. Now that Wells Fargo has lowered my limit, my utilization with them shot up to 76 %.

This is an direct attack to damage my credit rating. The letter I received is slander and nothing on the letter is true. The letter should of reflected what I was told by the credit card Department representative. 

This is a XXXX attempt to destroy my credit rating I work hard to establish. I am an XXXX XXXX XXXX and this is systemic XXXX  as well discrimination we continue to endure in this country.

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 2023-07-15
Company: AmeriHome Mortgage Company, LLC
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Trouble during payment process

Complaint:
For XXXX payment, mortgage company pulled from wrong account, tried to call and resolve, was told to send certified check. Sent certified check via XXXX with insurance and signature, mailroom of Amerihome received on XX/XX/XXXX. XXXX still has not cleared as of XX/XX/2023, with letters of late payment, reporting late payment on mine and my husband 's credit report. Called multiple times to resolve and payment still has not been cleared, transferred to multiple supervisors, given false email address to send in proof of payment. Given different ways to " resolve '' the issue, unable to make online payment for XXXX despite supervisor telling me I can make the payment after XX/XX/XXXX online due to their mistake for XXXX payment and having to pay {$130.00} extra for overnight and insurance fees for certified check. We have never missed a payment and a new mortgage company is taking over our loan, we need this resolved and clear our credit of late payment.

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 2023-07-15
Company: Paypal Holdings, Inc
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unexpected or other fees

Complaint:
Following are the case id XXXX XXXX while checking paypal said this case was resolve in my favour but upon checking i did not receive any refund yet and paypal is charging me {$3500.00} and stated that this is a duplicate credit but fact is that i did not receive single credit yet. Instead of charging it to scammers paypal charging me wrong debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: U.S. BANCORP
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The US Bank Home Mortgage  has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The following account US Bank Home Mortgage  # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 
I have politely asked US Bank to remove this account, this loan did not originate with US Bank, I did not agree on its reporting to consumer reporting agency.

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 2023-07-15
Company: Albert Corporation
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Overdraft, savings, or rewards features

Complaint:
I opened a smart savings account with the Albert app recently, it saves small amounts based on your usage, etc. The second through fourth day I was with the app it withdrew {$150.00} from my checking account. I have tried multiple times to transfer the funds back but theyve been held in limbo. It has now been 5 business days and Ive contacted the company to see if they could help. My account is now overdrawn. The company was no help and said the funds can be transferred when theyre available basically. Today is Saturday, XXXX XXXX and I still can not transfer my funds back to my account. I will incur multiple overdraft fees. Thank you

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Chime Financial Inc
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On Sunday, XX/XX/23, I received several email notifications regarding a Chime Financial account opened with my email address. I did not open a Chime account, nor did I authorize an account to be opened with my email address. 

The same day, XXXX, I contacted Chime by email and phone to notify them of this issue. The phone representative verified that an account had been opened, and promptly closed the account. She also provided information related to identity theft. 

I filed a report on identitytheft.gov and have taken additional steps to monitor and protect my credit and personal information. 

Additionally, several users have posted similar instances of recent fraudulent account openings on Chime 's XXXX thread ( r/chimefinancial ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Debt collection
Sub-product: Auto debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Has called me XXXX times in the past 7 days, and has violated the XXXX calls in 7 days rule multiple weeks in a row

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
I and my ex-husband leased a XXXX XXXX XXXX back in XXXX XX/XX/XXXX. My ex-husband had a major accident with this vehicle in XXXX, XXXX. We had the major repairs done to restore this vehicle as close to new as possible. even before the accident, this said vehicle was stalling in traffic every-so-often. I went back to the dealership repeatedly and came within one more time to fall under the XXXX. Lemon Law! Meanwhile, we paid 24 months @ {$440.00} payments = {$10.00}, XXXX out of {$17000.00} leased value. I was so very upset due to going to the dealership so many times that in XXXX XXXX of XXXX, I left the vehicle at the dealership and purchased a XXXX XXXX XXXX. CHRYSLER FINANCIAL, XXXX XXXX XXXX, XXXX, XXXX ACCT # XXXX, PHONE # XXXX decided to put a Judgement against us for the total amount of {$17000.00} for LIFE!!! i TRIED TO CONTACT THEM INITIALLY AND XXXX-CHRYLER through the years to discuss this issue without them negotiating any resolution. I was told that if a vehicle is left at the dealership, then it is sold at auction!!! I want to know how it is legal to have a judgement against me and why is it the full amount of {$17000.00} instead of less than {$10.00}, XXXX??????

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
My account was opened XXXX  years back at Capital One 360. It was opened with cash deposit of {$50.00}. later I made XXXX check deposits from my fathers XXXX acoount XXXX and XXXX within couple of months. I am a XXXX student and my father gave me that money for an emergency. In XXXX of this year 2023, they closed my account without any reason and according to them they returned the money to XXXX account belonging to my father. Unfortunetely, about XXXX  years back XXXX closed its business of personal banking and transfered its accounts to XXXX XXXX  and last year due to XXXXXXXX XXXXs customer service my fahter closed that account with XXXX and opened new account at XXXX XXXX. My father talked to XXXX customer service they informed that once account closed you can not deposit any money. I believe by law if any a bank close an account they should and must return the money to account holder by check at account holders address in their record. We keep money at bank because it is supposed to be a safe place. How can they send my money to just any place any time, how am I protected with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-15
Company: Aldous & Associates, PLLC
State: TN
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I have recently pulled my credit and noticed that there is a collection listing from your agency. I have never been notified of this collection action or that I owed the debt. 

I asked for proof that I owed this debt to your agency and you are the original creditor, buying accounts for pennies on a dollar in hopes to collect the amount not owed to you is against FCRA regulations. The company Aldous & Associates is located in XXXX, UT therefore ; how are you legally able to collect a debt in my state, and I'm not notified of the debt or the exchange of debt that I had no knowledge of?

.

Company response to consumer: Closed with explanation