BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-01-26
Company: CITIBANK, N.A.
State: AE
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 and XXXX of XXXX my Citi Master Card was used to make four purchases totaling {$1800.00} in Illinois. I disputed these charges with Citi because I do not live in the United States, I have been living in XXXX since XXXX. I was contacted once by Citi during their investigation and asked if the card was in my possession, which is it was. I explained to them, again, that I live in XXXX and was here when the purchases were made and it was impossible that I made the purchases. In fact the purchases were very much outside my normal usage of the card ( I only used the card for a monthly payment to an XXXX  sports channel @ XXXX euro ). I received a letter from Citi stating " Your dispute has been closed '' the reason they gave was " The card 's EMV chip was used to make the disputed transactions at a chip enabled card reader. You verified that your card was in your possession at the time of the transactions, so we don't consider this fraudulent activity. '' I have contacted the company twice, sent them a copy of my passport, copies of documents proving my residency in XXXX, copies of billing statement of My XXXX XXXX card which shows me making purchases in XXXX around the dates of the disputed charges ... ..anything I could think of to prove I was five thousand miles away from Illinois when and where these purchases were made. They have told me the dispute is closed and can only advise me to contact the businesses directly where the purchases were made and maybe they could do something, which is ridiculous. In the same letter they made it clear that if I do not pay the minimum by the due date ( XX/XX/XXXX ) they will report me to three different consumer reporting agencies. I have always paid my Citi Mastercard on time and always the full balance. I also have an excellent credit score. Please, any help or advice you can give is most needed, especially as the due date to pay is fast approaching.

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 monetary relief