vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I sent out XXXX separate letters to XXXX ( XXXX ) separate addresses listed on my report and did not get a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Capital One Auto Finance d/b/a COAF '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
1. Since XXXX XXXX, I have disputed an unauthorized charge with Capital One for {$630.00} ( which has now increased to {$870.00} with interest ). 
2. The transaction was initiated by a local mover, XXXX XXXX XXXX Maryland. 
3. The mover was given my credit card number to " hold '' my spot for a specific moving date. ( XXXX ). 
4. XXXX provided a quote but no bill of lading, as they are required to do. They provided only a quote, which says on page XXXX XXXX attached ) : a. " Payment type : Balance due to be paid in cash only, at destination before relinquish goods and values. '' ( attached ) 5. Upon conclusion of the move on XXXX, I paid the XXXX daylaborers in cash -- and I even withdrew extra ( Bank verification attached. ) so that I could include tips. 
6. I asked for a receipt, which they are required to provided, and they refused to give me one. I just wanted them to leave, so I let it go. As a single mother, it is intimidating and scary to have XXXX XXXX and their XXXX day helpers demanding payment and not leaving until they were paid. 
7. After the movers departed, XXXX XXXX charged my CapOne card again -- so I paid twice. 
8. I reported it immediately to Cap One. No due diligence was conducted as required by FCRA. 
a. CapOne ignored the papers and receipts sent previously. 
b. Since then, I have sent numerous letters and called many times to request proof that due diligence was conducted. They offered NO proof the charge was authorized!! 
c. When I call CapOne -- there is no one I can speak to about this account to resolve the issue. The call center staff have said the issue is too dated and ca n't help me. Each time I wrote a letter, they wrote back and said the account is in dispute as recently as XXXX XXXX, but nothing has been resolved. 
d. I 've sent the baclground information to them five or six different times to date. 
9. Because of CapOne 's negligence to conduct a thorough investigation, my credit has been impacted. 
10. My FICO in XXXX XXXX was over XXXX and because CapOne has now placed this outstanding amount in collections, my FICO is below XXXX. 
11. Now the collector is taking me to court and incurred legal fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX i opened up a checking and money market accts@Citibank.I was assured that both accts would be tied together to eliminate any service charges to my checking acct.XX/XX/XXXX i went to my bank and found out a $ XXXX/mo service was in fact being charged to my checking acct.I phoned customer service @ XXXX and spoke to a supervisor named XXXX, who informed me that no service fee was charged to my checking from XX/XX/XXXX until XX/XX/XXXX.On XX/XX/XXXX a ( Sweep ) was performed to my checking acct which somehow activated a {$30.00} service charge to my checking.XXXX informed me that a {$630.00} credit would be applied to my checking.XX/XX/XXXX to XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I am a military member who is mandated to use the CitiBank Government Travel Card GTC. I received a tasking to XXXX from XXXX XXXX to XXXX XXXX, with XXXX trips from XXXX to XXXX XXXX. 

Being on a XXXX, it is common practice to be placed on a " XXXX '' ( see attached policy letter ) for the GTC so that the servicemember can focus on accomplishing the mission and not about billing issues. Additionally, it is a mechanism by which the government was able to provide some relief to the cardholder to provide them adequate time to perform a XXXX mission and address billing discrepancies. Between the several vouchers I filed after the TDY trips, and between payments being applied and transactions posting, I had made what I thought was a payment for the entire balance, which would have brought my account to {$0.00}. 

Unfortunately that had n't been the case. I believe my being in XXXX, in one way or another, affected my ability to receive any notification that my account was past due. No emails were received, no mail was sent to my home address, and no phone calls were ever made to either me or my unit. It was not until late XXXX that I called CitiBank in order to ensure I was authorized charges in a foreign currency so that I could purchase my airfare to my home airport. Lo and behold my card was cancelled, I was assessed XXXX {$29.00} late fees ( in XXXX, XXXX, and XXXX ). Additionally I was informed I was also assessed a {$80.00} " salary offset fee '' in order to have the original balance ( around {$150.00} ) and the assessed fees ( {$160.00} ), bringing the total to approximately {$170.00} ... or about 210 % of the original balance. 

I had contacted CitiBank to advise them of the situation. I informed them that I was XXXX and that I had never been notified, nor had my military chain of command been notified ( a mandatory procedure that either was n't done or was done incorrectly ) about a balance being due, the balance becoming delinquent, and subsequently the card being cancelled. Had I knew there was a balance I would have immediately paid it. Additionally, I advised them I should have been on mission critical status as to suspend payments/delinquency for much of my XXXX and had I been placed on that status I would not have been delinquent. 

CitiBank was unwilling to work with me to correct the issue. I feel they took advantage of a servicemember and did not make a good faith attempt to resolve the breakdown in communication. The GTC program, in my opinion, puts an undue burden of accounting on the servicemember when he or she should really be focused on accomplishing the mission.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Called outside of 8am-9pm
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
Collector called before XXXX at XXXX and than repeatedly called after.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I had a Macy 's credit card. The XXXX XXXX statement showed a balance of {$72.00} and payment due date was XXXX XXXX, XXXX. On XXXX XXXX, I paid the full amount of {$72.00} and I afterward, I closed the account. Assuming everything was clear and I closed the account with zero balance and was in good order. However, in XXXX XXXX, I started getting phone call from an unrecognized number and the caller did not leave any message. I started looking into ( XXXX ) it and found out it was from a debt collector, working for Macy 's ( Citibank ). I logged in to Macy 's account and was surprise with a XXXX statement showed a {$62.00} balance. Apparently, without my knowledge, they charged me a {$2.00} interest in the XXXX statement, even though I paid the account in full ( and closed the account ) before the due date. Then they continued charging me with a few dollars every month that added up to a {$62.00} balance. I called them and asked for the explanation of the charge and the lady took my called said it ( the first {$2.00} ) was the residual interest because I carried a balance in the previous month. The rest was fees because I did not pay for it on time. Against my better judgment, I went ahead and paid the balance ( {$62.00} ) on XXXX XXXX, XXXX because I did not want to hassle and wanted the problem to go away. The problem did not go away, they charged me with another {$2.00} on XXXX XXXX. In addition, they reported to the credit report bureau that I was late in my payment ( on a closed account? ). I am going to pay the {$2.00}. However, I would like to submit a complain about Macy 's credit card ( Citibank ) 's unfair business practice.

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
Consumer complaint received 2016-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX 2015 signed up for a Citigold checking account after receiving an offer for XXXX AAdvantage miles if I completed 1 online bill payment in 2 consecutive months and made {$1000.00} in debit card purchases. On XXXX XXXX I sent Citi a secure message using online banking to confirm that I was enrolled. They never responded. I satisfied these requirements in XX/XX/XXXX and was told that it would take up to 90 days for the bonus miles to hit my account. XX/XX/XXXX ( after 90 days ) I still had not received the miles. I have called repeatedly ( probably 4 times ) since then to ask why I have not received my bonus. Each time the agent confirmed that I had satisfied the requirements and told me I would receive the miles soon ( within 2 or 3 business days ). On XXXX XXXX, Citi sent me a letter saying " there was not an AAdvantage Miles promotion offered in conjunction with the opening of your account. '' I called on XXXX XXXX and told them that if there was no promotion they should have told me that XX/XX/XXXX before I started paying $ 30 monthly fees for the account. ( I have paid {$120.00}, since the first couple months fees are waived. ) The phone agent apologized and assured me that I was eligible for the promotion and that the bonus would be expedited. Today is XXXX XXXX and the miles still have not hit my AA account. On XXXX XXXX they sent me a secure message saying that they still need to investigate : " After further review of your account, I can confirm there is a second request opened on your behalf for the promotion offer. Please be advised that the back office support is currently backed up with the investigations due to the high volume of cases open at this moment. As soon as your case is worked on and resolved, you will be notified via secure email and Citibank Online Message with the outcome of the investigation. '' This is ridiculous given that at least XXXX phone agents have confirmed for me that I have done everything I need to do to receive the bonus.

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
Consumer complaint received 2015-08-05 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am a Citi Thank you XXXX user. My card seemed compromised XXXX XXXX, 2015, and I requested card replacement with new account number right away. I needed instant replacement, because I pay my bills and use this card for all purposes with my XXXX other family members. As of today, I have been waiting for 11 days since XXXX, however, I have n't received my replacement card yet. So I contacted customer service to acquire the tracking number for my new card and they replied me back as below. 

We appreciate the opportunity to assist you. 
Our records indicate that your card was sent on XXXX/XXXX/15. If this card is not in your possession, we can process a security closure of this account. For proper security measures and a new account number, please contact us. 
If there is any way we can be of further assistance, please feel free to contact us Citi Card shipped my replacement on XXXX?! I assume the rep should n't be trained to advise customers with that way. There is no apology, and the rep is telling me to replace the card again. He/she does n't get my point and does n't care how inconvenient I, their customer, am with this credit card. 
I do n't know how to reach there supervisor, so I 'm posting my complaint here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I had a Sears Card ( Citi Card ) that i never used that Sears charged a snowblower warranty charge to. I never got a bill from Citi Card but months later i got a " my account is delinquent '' call which i then informed Citi Card that i never activated the card and it was still sitting in the envelope and that Sears charged the wrong credit card. The Citi Card Manager and Customer rep were able to remove XXXX of the XXXX month late fees and i paid the entire bill off while on the phone with them and also closed/canceled the card since i never used it nor was i going to use it. This is XX/XX/XXXX. XX/XX/XXXX i got a call that i owed like {$14.00} or {$18.00} for additional fees on this account that i fully paid off and closed. The customer rep was able to remove {$10.00} or {$14.00} but had to put a request in for the remaining {$4.00}. He saw the account activity and said it was a problem with Citi 's system and that i t is not my fault that after closing the account the system was charging me additional fees. Apparently the request for the last {$4.00} did not get approved as i was called by a collection company, XXXX XXXX XXXX today. This is ridiculous that after XXXX months i am still having to deal with Citi Card 's system issues and {$4.00} on a fully paid for and closed account

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have had Citibank Credit Card since XXXX cobranded with XXXX XXXX . During XXXX 2015, i received an offer letter from XXXX to open an Citibank CitiGold Checking account by XXXX 2015 and then make purchases of {$750.00} from the checking account 's and XXXX Bill payments from the checking accounts within 90 days of opening the account in order to receive XXXX XXXX reward miles. The offer also promised to provide these reward miles within 90 days of completing the qualifying transactions. 
I opened the account by XXXX 2015 and completed all the necessary qualifying transactions within 90 days of opening the account. However, I did not receive the any airline miles within the 90 days. Moreover, i was shocked when the Bank began to assess $ XXXX Monthly fees for XXXX consecutive months. When I enquired with the customer service, the servicing agent mentioned that I need to have {$50000.00} in linked deposits. These terms and conditioned were not mentioned when i signed up for the account. I also did not receive any communication on the terms after opening the account. I wrote back numerous times to the bank to reverse the fees and close the account. After many complaints, i received the XXXX Airline miles well after 7 months of opening the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
We are dealing with XXXX companies, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX XXXX XXXX and XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX ( XXXX XXXX XXXX XXXX Banks XXXX Contacted by XXXX XXXX. back in XXXX 2015 to resell our timeshare which we checked on with XXXX State of XXXX. XXXX a nd XXXX XXXX in XXXX Both companies checked out? Well after signing sales documents numerous times and us wiring {$39.00} to escrow we now believe we have been scammed? Have a full file with all contracts and wire reciepts ect ... that can be furnished. Still they want more money after giving us written noice that we need to send no more money! Am still able to contact these people and have told them that we want to void this contract and want our money back as claimed in contract. Have filed reports with XXXX. and XXXX. XXXX offices, XXXX report with FBI, FTC report too.

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 2016-10-23 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Made a payment of {$13.00} to the Citi Bank Card on XXXX/XXXX/16 ( Have a monthly {$13.00} payment due every month from a recurring charge ) XXXX XXXX/XXXX/16 got a late payment fee of {$13.00} and a {$0.00} finance charge fee for a late payment. I never got the statement and put my account as a late payment. They would n't credit my account because they said that they credit my account last XXXX. Please investigate how often the statements get lost in the mail. I never got the statement. I pay my balance in full very single month. Why would I have a {$13.00} late fee on a {$13.00} charge? Also, wanted to make a payment of {$50.00} to them. so, I will not need to think about making the {$13.00} payment and just pay 3 months in advance. And they cant take payment higher than 7 %. I never got the statement.

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
Consumer complaint received 2016-12-03 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX XXXX the bank arbitrarily changed the interest rate on Purchases from 18.99 % to 29.98 %. This change had no immediate impact on my monthly payment, because in XXXX XXXX I had a zero balance for Purchases. My balance of around {$12000.00} was composed entirely of XXXX special offers with an interest rate of 1.99 % ( see XXXX XXXX Statement attached ). I did not notice this change because I rarely looked at the statements, was not using the card, and the monthly auto-draft payment was stable at less than {$200.00}. 

However, in the ensuing years as XXXX of the special offers expired and I began to use the card for purchases, this excessively high interest rate of 30 % turned what had been an efficient financial instrument into a toxic arrangement equivalent to a payday loan. ( See Statements from XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. ) I have contacted the bank several times over the past 3 years, requesting that the usurious 30 % rate be reduced to something reasonable like 18.99 %. They simply respond that there is nothing they can do. I suspect that my account was targeted for this 30 % Purchase interest rate because I was not using the card and had substantial balances at only 2 % interest. Banks should not be allowed to set rates at 30 % for customers who make all their required payments on time, as I had done from XXXX through XXXX XXXX when they arbitrarily changed the rate.

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 2016-03-08 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I received XXXX fraudulent charges posted on my Macy 's credit card on XXXX/XXXX/2015 for a total of {$17.00}! Over 6 months later I still can not get this resolved after numerous calls to the Fraud department, credit department and many faxes. I called immediately when I received the first bill and was told not to pay the bill, instead to fill out a Statement of Fraud. I did that, but kept getting bills each month for more and more money because of finance charges and late fees. The {$17.00} is now {$230.00} due to all fees they have charged. I call every month and they tell me not to pay it, not to worry and have said it is not with collections, but they call my house at least 3-5 times a day,7 days a week, and tell me the only way they 'll stop calling is if I pay. I can not get them to remove the charges, or stop calling. This is horrible. I know the card was not used by anyone because it was in a safe in my house. I want something in writing from them saying this is not on my credit report.

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
Consumer complaint received 2015-12-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The month of XXXX 2015, I contacted XXXX XXXX ( XXXX ) that I am going to XXXX for 10 days and told them the countries that I am staying. I did not want to have problem when I am using my card out of the states. 
While I was in XXXX there were times that I could not use my card because they did not accept the charges. 
XXXX XXXX of 2015 I returned and few days later I got a call from XXXX that they have seen some activities that are not normal on my account. 
They read some of the charges and I told them that they were not mine. They indicated that when I receive the bill to fill up their paper work and send it back to the Fraud Department of XXXX. 
Since, I have mailed the same items 3 times. Once regular mail and XXXX registered mail. I have been on the phone with Fraud Department at least 2 times a month. Each time I called it had taken at lease XXXX to XXXX hours on the phone which as far as I am concern was wasted time. 
The issue has not been solved and they want more paper work and they claim either they do not have it or it is lost or they are behind in their work. 
They have been charging me interest and late payment and at one point they told me I am in collection. 
I am tired to deal with the Fraud Department and the people who ca n't read and count. 
I need help to deal with them and my attorney suggested to contact you. 
Please Help! 
Thanks,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief