davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Renton Collections Inc. (MN)

XX/XX/2016 I paid this debt to the original creditor. That month j also received a letter from RCI. I called them and informed them the debt was paid. They said they would contact the original creditor to confirm. In XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX I have received letters and phone calls in regards to the same debt. I spoke with an agent last month after calling the original creditor to confirm the debt is paid and was informed it was and another notice was sent to RCI. I called RCI last month and went thru the entire thing again about it being paid and they can no longer collect on a debt that 's been paid. He informed me it was my job to prove the debt had been paid. So I informed him of my confirmation number from my credit card and also the information from the original creditor of the date it was reported paid to them. That was the end. Finally last week I received another letter trying to collect this debt. Today I called yet again the original creditor and confirmed payment and no other accounts with them. The manager also called RCI while I was talking to a representative and confirmed it reported as paid. I was informed it 's all taken care of. I then followed up with RCI to confirm they have it noted as paid ; they said no. I asked them to check with their client services to see if they received a call from XXXX at the Original creditor reporting the specific account paid. She came back on the phone and said yes it 's been reported as paid. I asked if she could confirm that I will no longer be receiving phone calls or letters from them. She became argumentative ; so I ended the call informing them that they have been reported to the Attorney General.
Consumer complaint received 2015-08-01
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (CO)

This issue deals with Chase reissuing duplicate cards with chips. My old card ( w/o a chip ) had an expiration date of " A ''. I was issued a duplicate card with the same XXXX digit card number, CVV code and EXP. date as the non-chipped card. At some point after that I received another chipped card from chase with the same XXXX digit card number but a different CVV and Exp ( Exp. " B ''. I do n't recall getting this card as I have always used the card the exp. date of " A ''. On XX/XX/XXXX I attempted to make a purchase on XXXX which was delined. After the card was declined I called XXXX to figure out what was wrong. They said that some of the billing information did not match what the bank had on file. I resubmitted the information and went to dinner. I paid for dinner using the card with the exp. date of " A ''. Once I got back home I noticed that the card was once again declined and XXXX said that I needed to call my bank. I called Chase and they said that the card they had on file did not match the card I had in my possession ( the exp. dates and CVV were different ). I did n't know that I had the card with a later exp. date until after I hung up with the fraud dept at Chase ( I found it in a stack of cards ). They ensured me that there was no security risk because there had been a computer glitch and the card had never been sent out ( I 'm currently holding both cards in my hand ). The card was " scheduled '' to have been sent out in XXXX of 2015 which means from XX/XX/XXXX-XX/XX/XXXX I used an obsolete card. I was never notified over the 6 month period that it was possible that a card was missing or that someone could 've stolen the card out of the mail. I assume that the new card would have worked as well as the old. Meaning XXXX card number had XXXX valid exp. dates and CVV codes. Chase lied saying that the card had never been sent, something weird happened with computer and they are either unwilling to say or are unable to determine what happened.
Consumer complaint received 2016-06-17
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO. (NY)

I noticed this morning XXXX things came out of my account earlier than I was expecting. I was unable to get to the ATM until XXXX. I called to see if I would still be charged and was told I was 21 minutes past the cutoff. I have an ATM receipt that clearly shows nothing has even been withdrawn so the items are still pending. They have n't charged the fees yet but I 'm sure they will. Especially after the agent told me. I 'm getting my tax return check in the mail this week and I 'm definitely taking my account to another bank. I have had way too many problems with this one.
Consumer complaint received 2017-01-15
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: SUNTRUST BANKS, INC. (AR)

This is my third attempt to submit this information. I get to the end and can not get past the " add attachment '' option! 

When setting up payees with my Suntrust bill pay I enter the company name and account number. If there is a match Suntrust automatically sets up the account. I have questioned the mailing address of some of these accounts and asked for a list of the mailing addresses by payee to which they have told me ; 1 ) Go to the payee account and look. ( I have obviouslly done this and the addresses are not listed. ) 2 ) They said they will not supply these addresses. 

They are sending " MY '' money somewhere and will not tell me where. They will tell me to whom, which I already know, but not where. I feel I have a right to this information and is the reason I 'm complaining about their business practices here. They have a very bad attitude and view their smaller customers as a necessary evil. Please help. 

I am listing the text of my email correspondence below since I can not attach. 
Here 's my initial request for information : XXXX -- Original Message -- Date : XX/XX/2017 XX/XX/XXXX To : XXXXXXXXXXXX Subject : Bill Pay Address Not Visible Acct - Checking-XXXX { Bill Payments } There are a number, actually the vast majority, of my on-line payees where I can not see the address where the payment is being sent. I need to verify these address for myself and need to see them. I do n't care who maintains these addresses, etc., I need to see them since you are sending my money to these address I have a right to know what they are from you and not the payees. Please let me know how I can get a list of these address from Suntrust Bank. I need these immediately. 

Here is their response : XXXX Topic : Bill Payments Subject : Re : Bill Pay Address Not Visible Acct - Checking-XXXX { Bill Payments } [ # XXXX ] From : Customer Support XX/XX/2017 Hi XXXX, Thank you for your email. 

I will be happy to assist you. I understand your issue. When you schedule a bill payment we will send the bill to the mailing address that you have provided when you added a biller. 

I request you to please review biller profile to confirm the mailing address of biller. I request you to please follow below steps to see mailing address of a biller. 

Select Move Money from the Landing Page then select Pay Bills. 
Select the applicable biller account and click anywhere in the biller row. 
Select Details. 

After you select details you will be able to view mailing address of a biller. However, please keep in mind that you will not be able to see the full payee account number ; for security the payee account number only displays the last XXXX digits. However, you can edit or view the account number by clicking on Change or Show. 

I am sorry to inform you I will not be able to provide you list of all your biller along with mailing address. 

It was a pleasure assisting you. Have a nice day! 

Regards, XXXX XXXX XXXX SunTrust Bank- Digital Client Services
Consumer complaint received 2017-01-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO. (NC)

I want to submit this complaint in reference to a service or lack of service from JP Morgan Chase Bank. Chase has closed my checking account and refuses to provide a reason as to why. They did this one day before my direct deposit from my bank would be processed. I fully understand that Chase is the owner of the account and can close my account for any reason at any time. It is frustrating though that the only income I have is in that account and I do not have access to it, or that they can not give me the reason as to why my account was closed. They also indicated that my direct deposit was going to be forced deposited into that account, therefore restricting my employer from giving me a check for my paycheck. They indicated to me that they would not mail me my funds in a cashiers check until the account is fully closed which can take 10 business days. These funds were to be used to cover my rent which is due on the first. My account was not overdrawn and there was no fraud activity occurring on my account, so I can not understand the reasoning for this. I believe it is unfair for them to close this account when I have been a loyal customer for over 4 years. I believe they are deceiving me by not providing me with an explanation as to why they are doing this. I would just like my funds back from the bank.
Consumer complaint received 2016-09-27
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (MD)

On XXXX, XXXX, XXXX and XXXX I received a warning email from XXXX monitoring service set up thru XXXX. It notified me of credit inquiries to the credit reporting bureau 's. I pulled my annual credit reports and found XXXX inquiries had been made to XXXX and XXXX by Chase Credit. I could not pull my XXXX report since their database had problems. I then called Chase to question the request since I had not requested any credit or loan. They told me someone had requested an XXXX credit card using my info. The request had my name, a different address and different birth date. I asked them why they would request a credit report on me since the information did not match my profile. They could not or would not answer the question. I spoke with their fraud department and they told me to put a 90 day alert on my credit thru the credit reporting companies. After a second call a couple of days later, they said they would cancel the transaction. They also did n't have any record of a different address. I have since received emails and an XXXX credit card 10 days after the transaction should have been cancelled. If this was really fraud, why would the emails and card be mailed to me? After hearing of the problems XXXX XXXX is having I was very suspicious of this ordeal. Is this a result of someone trying to make their quota. I now have a credit card I did not request plus multiple credit inquiries on my credit report that could affect my credit rating.
Consumer complaint received 2018-12-01
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK (CA)

This is a reassertion regarding case number XXXX. 

The response from discover was the following : The document provide from XXXX XXXX regarding the fraudulent account has an account number the last 5 digits of XXXX ; however, the balance transfer was completed to an XXXX XXXX account with the last 5 digits of XXXX which is associated with you. 

Response ONE : I had called Discover Consumer Protection Services ( XXXX ) on XX/XX/2018 at XXXX PST calling to prove that the account ending in XXXX did in fact NOT belong to me. This was proven via a conference call with XXXX XXXX account protection services. This was a DIRECT statement from XXXX XXXX. The call duration was 34 minutes and hopefully was recorded on your end. 


CONTINUATION OF THE CASE : I had called again on XXXX XXXX and had spoken with the investigative team and the person assured me my case was still being looked into.

Discover then sent a letter on XXXX XXXX and was delivered XXXX XXXX stating that because there was no new information no further investigation was necessary. However please note on XX/XX/2018 I had provided proof through a 34 minute call with Discover Fraud Services as well as XXXX XXXX that account XXXX DID NOT in any way belong to me. In fact the card was closed long ago to the point where even XXXX XXXX could not give any other information. 

I had even filed multiple credit cards ( including yours ) with identitytheft.gov. There were 3 other cards opened in my name, ALL of which were deemed fraudulent and closed in a timely manner without any penalty. You are the ONLY company yet to provide adequate resolution or reasoning.
Consumer complaint received 2017-02-08
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: JPMORGAN CHASE & CO. (FL)

I am writing in regards to a fraud claim with Chase Bank, which I have tried to get resolved with Chase since XXXX XXXX with no success, which is the purpose for this complaint. For reference my case number with the bank is : XXXX noticed that since XXXX I have been receiving a recurrent charge in my account for cash withdrawals that I never made nor used, beginning in XXXX/XXXX/XXXX through XXXX/XXXX/XXXX. In none of the billing statements I received however beginning in XXXX, no cash withdrawals appear, nor on what date those withdrawals were made, or who made those withdrawals and where. I have the original account statements I received during that time and no withdrawals appear. I would like to clarify and emphasize that I did NOT make those withdrawals, do not know where those withdrawals were made, and on what days specifically they were made. I can only assume based on the information I have gathered that this may be a case of fraud or an error in the system of the bank. To this current date, I am paying interests on cash withdrawals I never made from XXXX up until present date. I am being charged a total sum of : {$2300.00} on cash withdrawals. I 've contacted Chase through various methods including notarized letters with my account statements and phone calls, to which my claim did not get resolved. When I sent the last letter in XXXX, Chase Bank sent a letter informing me that I requested for my bank to be closed and that my bank account had been closed and the outstanding balance needed to paid. To clarify, I never requested for my bank account to be closed in any of the letters I sent.
Consumer complaint received 2016-07-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (AZ)

This is about a Macy 's Department Stores National Bank card. I changed my address a year ago and they still sent my new card to a previous address. I was unable to register the replacement card online or over the phone. They never sent me a paper-bill for the new credit card until I called to request it. I mailed a letter to them on XXXX XXXX 2016 canceling my account and requesting a final bill. They sent me a monthly statement belatedly and charged me a late fee. In anger, I cancelled my account on XXXX XXXX 2016. On XXXX XXXX, 2016 I called and my account is cancelled but they had no intention of sending a letter to confirm the cancellation until I requested it.
Consumer complaint received 2016-07-06
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A. (GA)

i was solicited over the telephone for an at home business opportunity on XX/XX/2016 by a company that called itself ap industries.they proceeded to take XXXX from me.i found out i had been taken.they charged me a total of XXXX on several different cards.i thought for sure citi would help me with this as services were never rendered to me.
Consumer complaint received 2017-03-03
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (CA)

Citi Bank recently closed my credit card account. In doing so, they took XXXX " Thank You Points '' worth approximately {$1300.00}. I have been a Citi Credit Card holder for over 10 years and I have never had a late payment or missed payment. I have an excellent credit rating.They gave me no warning that they were going to close my credit account or take my points. After closing my account, I contacted Citi Bank and they told me they could close my account and take my points at any time for any reason. They will not give me a reason for doing this. I want my points back. They tell the customers that they " earn '' Thank You points through purchases. Since I earned the points, how can they take them for no reason? I suspect this practice by Citi Bank has been used on several unsuspecting customers who have accrued several Thank You Points. Perhaps a Class Action Law Suit is needed. I see no reason for them closing my account other than to simply take my Thank You Points which I had earned.
Consumer complaint received 2016-09-15
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A. (MA)

on or around the XXXX of XXXX, I called Citi bank to discuss some return check fees that was accrued to my account. I have XXXX credit cards with Citi bank and for medical reason I lost two weeks of work and I did not have enough funds in my account when the payment came in. to my surprise, the bank keep trying over and over again to get the money and every single time they tried, they charge me XXXX dollars per time with out me authorizing the transaction. the bank is doing this fraudulent just to charge me return fees and profit themselves with my struggles, putting me in a worst financial crisis. there are XXXX XXXX return checks fee in one month just follow by every other day. I called the bank to discuss this issue but my conversation was fruitless. please, I urge Consumer Financial protection Bureau to thorough investigates Citi bank and refund me a total of {$250.00} dollars charge to my account as fraud. account number are as follow. ending in XXXX the XXXX credit cards belong to Citibank.
Consumer complaint received 2016-01-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NY)

I had 19 years left on a 30 year mortgage with Citibank and, in XXXX, I missed a number of payments due to being out of work. I worked with a loan specialist at Citibank and informed him that I had gone back to work and would now make up for past payments. During a 5 week period in XX/XX/XXXX and XX/XX/XXXX I made 3 mortgage payments, which only left me 2 mortgage payments behind, but Citibank sent all 3 payments back to me and began foreclosure. Citibank did not lower my interest rate ( even though I asked them 3 times to lower me to the then current 3.5 % rate and change my term to 15 years, which would have raised my monthly payment less than {$15.00} but would have shortened my term by 4 years. They refused to extend those terms to me. Instead, they re-instituted my mortgage at the same interest rate along with my original loan principal balance for a 40 year period. So now, I am paying off the same exact balance as my original loan amount ( {$70000.00} ) over a 40 year term at the same rate ( 7 % ). I owed them my payment for 19 more years and somehow they added an extra 21 years to the term of my mortgage. They did not lower my interest rate nor did they forgive any of the principal balance. In other words, instead of making my mortgage easier to pay, they made it more difficult to pay by adding an extra 21 years to the term of my loan. As it was, I was going to pay {$160000.00} to repay the original mortgage I agreed to, and I have no issue with that, however, Citibank added an extra 21 years to my mortgage which will require me to pay an additional {$110000.00} for my mortgage - and that, I did not agree to. So, all told, I now will have to pay {$280000.00} for a 30 year mortgage at 7 %. And this is on top of the fact that I was working with a mortgage specialist and, as of XX/XX/XXXX, had they accepted my 3 mortgage payments, I would have only been 2 mortgage payments behind which I would have gotten caught up with by XX/XX/XXXX. Had Citibank accepted my payments, I would now have just 15 years left on my mortgage at {$780.00} per month but instead, I now have 37 years left at {$780.00} per month. After they " modified '' my loan terms, they sold my loan to XXXX. My belief is that Citibank probably did this with XXXX borrowers, and falsely pumped up the value of the loans and then sold them to another financial institution. If that 's what is allowed in the world of high finance then it is what it is, however, I owed 19 years on my mortgage at 7 % and now I owe 37 years at 7 % - with the same exact principal balance I had on the original mortgage I assumed when I purchased the house. Something seems very wrong here and I am asking for your assistance in rectifying this matter. I have all my paperwork right back to the closing documents. I figured it would be easier for you to tell me what it is you need from me rather than me just sending you all kinds of paperwork that you may not need. I thank you sincerely for your help in this regard.
Consumer complaint received 2016-06-14
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

I opened a CITIGOLD Interest Checking Account with Citibank with a promotion that would give me XXXX to XXXX XXXX Points as promotional offer if I satisfy certain certiera with my banking relationship with them listed explicitly as - '' Qualifying Direct Deposits are Automated Clearing House ( ACH ) credits, which may include payroll, pension or government payments ( such as Social Security ) by your employer, or an outside agency. 
Qualifying Bill Payments are individual or recurring bill payments made through CitiPhone Banking ( including bill payments made using Citibank 's Telephone XXXX Bill Payment Service and Staff Assisted Bill Payments ), Citibank Online, CitiBusiness Online and Citi Mobile XXXX XXXX XXXX. Qualifying Bill Payments do not include payments made by check or internal transfer payments made to accounts of Citibank or its affiliates. 
-The bonus XXXX XXXX will be credited to your existing XXXX Member Account within 90 calendar days from the date when you completed all offer requirements. 
-To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. 

To qualify to earn bonus XXXX Points, open a new Regular Checking account in an eligible consumer account package ( The Citigold ( R ) Account Package, The Citibank XXXX XXXX XXXX Account Package, or Basic Banking Package ) by XXXX/XXXX/2016. Then, within 60 days after account opening, XXXX qualifying bill payment must be posted to the new checking account each month for two consecutive calendar months. '' I opened the account before the deadline date of XXXX/XXXX/2016 and I satisfied two consequective months of BillPay in XXXX, XXXX, and again in XXXX Respectively. 

When I contacted CitiBANK about the status about my promotional reward, the company sent a generic message renegotiating on this term. In Addition, I have contacted the company over the phone, and after XXXX40 minutes with a representative, they would repeatedly hang up on me, leaving the issue unresolved. 

I have been very unhappy with CITIBANK, as they have not kept their promotional promise, despite me keeping my end of the contract.