vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
XXXX MD XXXX XXXX XXXX, 2016 Manager CBR Department Macy 's Inc. 
XXXX, OH XXXX RE : XXXX account : XXXX Macy 's Card : XXXX Dear Manager : I have been a loyal shopper and upstanding card holder of Macys and CitiBank for quite a few years now. I have never been delinquent. I prided myself in having a credit score above that XXXX beacon mark due to my XXXX businesses, XXXX of which relies on my credit score to XXXX. I also have several mortgages for rental properties and real property I own outright. A vast port folio you can say. 
That being said, I usually pull my credit reports ( all XXXX ) every 3 months faithfully to stay on top on any issues that may arise. Needless to say I neglected to do so 4 months ago and so when I pulled it 30 days ago, I saw these credit accounts dangerously delinquent and the reason that I was told did n't make since. On around early part of XXXX I called customer service to find out why and spoke to XXXX, I believe, and he stated that the charges were due to residual interest. I had paid both of these account off 6 months ago and they both showed a {$0.00} balance on my XXXX account and Macy 's account. XXXX told me that he could not do anything so i requested a supervisor, manager, director, Vice President or President and told that I was willing to go up the chain of command to get this fixed asap. He stated that he would get a Manager to call me back but will On [ click to select a date ], I contacted Macys Credit and XXXX account via email and phone to request that my order be cancelled and my money refunded. Macys Credit and XXXX account would not agree to refund my money, insisting that the merchandise was on the way. n [ click to select a date ], I again requested that my order be cancelled and my money refunded, but I did not receive a response from the company. I have not yet received my order. 
I have enclosed a copy of the bill with the disputed charge highlighted, and copies of my email correspondence with Macys Credit and XXXX account. Please investigate this dispute and provide me with a written statement of the outcome. 
Thank you for your time and attention to this matter. 
Sincerely, XXXX

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 2015-09-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I set up Citi credit card auto pay online as the site allows you too. I did this first time and they never took out my payment through auto pay which made my account late so I tried again online. Still did n't go through and i was late again. I did n't know it was late until they called me multiple times to let me know. Told them I did auto pay. They said It does n't show on the account and then I said it should because I did it XXXX online and they asked that I set it over the phone with them. That they recommend I do it over the phone because of issues of setting it up online. So, I set it up with them and they confirmed and I even received a letter saying I was enrolled in there autopay and the citi card rep over the phone said I now have auto pay and the payment will be taken out the checking account for the next statement. I gave at XXXX XXXX XXXX. My complaint is why is n't there autopay working online or over the phone? Because of this I have been late on my account XXXX months in a row because of CITI is not honoring there autopay agreement and not processing my payment for auto pay. By them not doing this it has cause me to be late and have accrued late charges every time. Not to mention my credit score and credit reputation with Citi. I urge Consumer Finance to please investigate to see if anyone has had issues and investigate there business practices. How do I know there not trying to make me late to up my APR percentage or/and identity theft from their Citi representatives who have all my account information over the phone and the auto pay still did not work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
a merchant took me to wholesale warehouse ( not their store XXXX to choose granite counter top. i bought XXXX pieces granite counter top ( tag and taged XXXX pieces a date i was choose XXXX/XXXX/2015 ) but they delivery wrong granite XXXX different tag on granite ), total XXXX, they said if i want good price i must pay all cash -they dont pay sale tax-, i want pay full amount by credit card XXXX my credit line over XXXX $ XXXX, they said give them all cash i have and the rest by credit card if i want a good price, i trust them, make sure before i leaving i ask them a price included demolish my old counter top and rehook up plumbing and cook top, garbage disposal, they told me : yes. XXXX/XXXX/2015 XXXX men came to my house install granite, they delay and told my wife ( im at work XXXX they will came back tomorrow because they dont have time to work, and XXXX they came back i find down it 's wrong granite XXXX different tag ) i called merchant but they act like they dont hear me, i try to contact them so many times, call and text but no response, they pick up few times but act like dont hear me and XXXX intaller run away after they 're leaving after mess up my fench, my door, and not rehook up plumbing, breaking my granite ( they put a faucet on it, try to cover a breaking hole ). i called citibank to dispute right away on XXXX/XXXX/2015. Citi does n't carefully saw all documents i sent. they send me a letter said they closed my case because merchant send citi signed charge receipt ( the only my signature on sale transaction slip, and the merchant falsify and fraudulent everything they send to citi bank, THEY LIED THEY CALL ME but i have phone show they never call me, even they not reponse me, and a letter from BCS warehouse they wrote a sales rep tag and tagged a date i choose and pick out XXXX but why a granite at my home show different date and different sales rep ) i response to citi 2 times after citi send me a letter said they closed my case, and i call customer service so many times they lied me my case still working on it ... now they said they cant do anything maybe i must go to outside legal ...

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
We received a settlement offer letter. We accepted the settlement and paid the amount in full in a single transaction. Collection agency for Citibank - Sears Card was XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MO XXXX. We continued to receive balance billing with interest from Sears. Contacted Sears who referred me back to XXXX. Several transfers and long hold times. XXXX was helpful in offering to provide a " paid in full '' notice, but Citibank refuses to review or provide any assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I filed a complaint here earlier this year about XXXX. Since i filed the complaint the company claimed they send a letter to the credit bureau to remove the account from my report. XXXX and XXXX deleted the account but XXXX still reporting the account as collection. i called the company few times about XXXX, they said they already send a letter to them but when i disputed it XXXX said the company respond the debt is valid. I disputed the account again two weeks ago again XXXX said the conpany respond the debt is valid. This account is a bank account my exwife open with Citibank and went into collection. I do n't know whats their situation with her i just want to know how the account related to me. If this was a joint account then as i requested before, i 'm requesting the copies of the identification i used and the page i sign. I understand it 's their job to collect, well it 's my job to verify to debt they 're collecting. The Fair Debt Collection Practices Act, gives me the right to request validation of this debt. i have requested it, it was n't provided to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
Citibank 's mobile app does not allow one to view payments or pending payments. This makes it more likely to submit double payments. There is no warning against submitting a double payment. This makes it likely that the credit card bill is double billed creating overdraft issues for the payment ( checking ) account. 

I had this problem and contacted both institutions ( Citi credit cards and the checking account ), but the double payment was never removed from Citi despite multiple calls. When I tried to make the next monthly payment, Citi said they reprocessed the double payment, and they could do nothing about it. I found XXXX in the Florida office at Citi customer service very unhelpful when this problem cropped up again the next month. First I had to get my payment ( checking ) account made " active '' over several calls. Then, when it was active, the double payment from the previous month was charged. If I had just paid my balance in full right away, the double payment from the previous month would have overdrawn my checking account again! I am waiting to see if the double payment is processed before paying that part of my balance at Citi credit cards.

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 2017-03-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
Citi Mortgage is our mortgage co. In XXXX we did a re-fi with Citi mortgage and on taxes Citi did a Debt Discharge of {$13000.00} in each of our names. For the taxes of years XXXX and XXXX Citi Mortgage continues to do the same in amount and to each of us separately in our each name. Continuing the Debt Discharge was NOT part of the re-fi and yet is being done.

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 2015-04-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I wish to file a formal complaint against CITIBANK for the way they handled closing both my XXXX and XXXX credit card accounts. I have had these accounts for almost a year, have handled these accounts responsibily, paid them on time, in full and have never been late. Citibank claimed someone tried hacking into both accounts online and jepordized the security of the accounts. An operator claimed they wanted to close the XXXX account for " security reasons '' and reopen it with a new number, which I hesitatly agreed to. I had requested both accounts credit limits be raised as I was a loyal customer, which Citibank had done to XXXX. The week following the credit limit increase, I had applied for and were given XXXX new accounts with Citibank, XXXX XXXX, another with XXXX and still another with XXXX, all branded credit cards Citibank sponsors. The morning of Monday, XXXX XXXX, I receive XXXX disturbing phone calls from Citibank security. They claimed to have express " concern '' over so many accounts being opened over such a short time. I explained to them that I had applied to these companies as a " buffer '' measure to help me avoid being left out in the road as I had planned to travel this summer as I have a XXXX person in my family and can not afford to be left out in the " cold '' so to speak. They agreed and hung up the phone. The very next day, I received notification that I was now placed as a " risk '' to Citibank as they claimed I had too many inquiries on my credit report to their liking and they subsequently closed all XXXX credit accounts with their company. I object to the way they handled these accounts, assuming that I am now a " credit risk '' to them simply because I have applied for more than XXXX account in such a short time. As stated, I have been a loyal responsible customer of theirs for almost a year and had NO PROBLEM up until now. Please consider this a formal complaint against Citibank.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I had a balance with Costco 's XXXX XXXX Card, I paid that Balance in full : Date : XXXX/XXXX/2016 Confirmation : XXXX Balance XXXX Now Costco changed credit cards and Citibank took over the XXXX XXXX Card. 
Citibank says I owe them the exact same amount of money that I already paid XXXX, I checked my bank account and the money was pulled from the account to pay XXXX. 
Now Citibank is trying to double bill me and charging me fees and interest on top of it. 
I am not paying them because I already paid XXXX and if Citibank took over the accounts then they should have this information. I 've been back and forth with XXXX and Citibank and nobody is taking responsibilty and I shouldnt be having to deal with this. And I know for a fact there are tons of other people in the same situation as I am. 
Please help me resolve this issue

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 2016-05-29 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Used Macy 's card only once XX/XX/XXXX. Received statement and paid full balance on XXXX/XXXX/XXXX. Card was not used again. No statements or correspondence received since XXXX. XX/XX/XXXX, began receiving multiple calls per day from a caller who would provide no specific information, but wanted the number of our Macy 's card. Decided that it might be a good idea to contact Macy 's. ( XX/XX/XXXX ). Was connected to XXXX individuals, the XXXX being a " specialist, '' who informed me that our " account '' was PAST DUE and the balance was over {$100.00} with late fees and interest. After close to an hour of mostly futile conversation, she noted that the ACCOUNT APPEARED TO HAVE BEEN PAID IN FULL IN XX/XX/XXXX, and she would be " happy '' to correct the record. We directed her to close the account IMMEDIATELY, and it appears that she has done that, although our credit report shows a {$4.00} balance remaining. Checked credit reports today and found that they have been virtually destroyed - a drop of over XXXX points - by " overdue '' payments to this account. Needless to say, we will undertake all avenues possible to correct the record, but to characterize this experience as a atrocity would not be an overstatement.

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 2016-04-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Macy's/DSNB is reporting the DOFD incorrectly, and has XXXX Charge Off dates on my XXXX and XXXX credit reports XXXX

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 2016-03-19 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX, my Macy 's American Express Card was fraudulently charged XXXX times for almost {$8000.00}, way above my credit limit of {$2700.00}. My card with a chip was in my possession. Inside job, I told them. I called them to complain XXXX XXXX. They told me that they will remove the charges and that I will not be liable ( but, of course! ). XXXX XXXX, XXXX, they sent me a new statement : they closed that particular card, transferred XXXX fraudulent charges to a new card, charged me a late fee and interest charges for XXXX fraudulent charge that they did not transfer. I called again and complained. They said to ignore again, and that it will take 3 months for them to look into the matter. XX/XX/XXXX, they sent me a statement again, Interest charge and late fee accumulating, and I called to complain again and the said to ignore again. They did the same in XX/XX/XXXX, and when I complained again, they said to ignore the statement and that next month, a zero balance will show. I asked them to write me a letter to say this, they said they do not do that but the next statement will show a XXXX. Today I get a statement again, with accumulated interest charges and late fees. I called them again before I write this complain to you, and they said to ignore again. And why all these? they said they are sending me a statement without my being responsible for it. Them why sent me a statement at all!!! I asked. 

Please help me Sir, Madam at CFPB. My XXXX every time I get these statements, which they tell me to ignore. Is this fair? I told them that this has also happened once with XXXX other credit card that I have. But the other credit card, XXXX XXXX XXXX, wrote me after it was over, 1 month. Only XXXX charge. How could Macy 's Amex allow all these XXXX charges in 2 days to even go over my limit? Inside job, I told them. To top it all, I also emailed their XXXX of XXXX XXXX in XXXX, Ohio, no reply. Thank you for your time and attention. 

Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX

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 2016-03-01 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
i had scheduled a payment for my card but 5 days before scheduled payment called and told them i will be making the min payment only and not to process my check they still did twice costing XXXX in over draft fees i called they took my complain and said they will give me answer by XXXX XXXX they never did i called back XXXX XXXX they said they still have n't processed my complain and that they dont think i should be reimbursed the fees

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 2017-01-18 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank issued me a credit card that I did n't request and I have never had a banking relationship with Citibank or Citigroup. They said they purchased my information from XXXX. I have only had a credit card with XXXX through Costco. I have not been a Costco member since XX/XX/2015 at which time my association with XXXX ended.

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 non-monetary relief
Consumer complaint received 2015-09-28 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I called the Macy 's Credit card department on XXXX/XXXX/2015 because I could n't get online. I 've been a customer for several years and have never had an issue. I spoke to someone named XXXX regarding my balance, applied payments and finance charges. When I asked XXXX for my rate, she said " it 's like 25 % ''. I stated to her that she was not allowed to paraphrase a rate to me, that she had to quote it exactly, and after I asked XXXX times, she still would n't quote it to me exactly. I asked to speak to a supervisor. I was told that my online access would be fixed. I was told over the phone, because after a week and a half I still do n't have access to my account or my statements, that my finance charge had increased over {$10.00} in XXXX statement period ( from {$43.00} to {$54.00} ) with my balance having only changed by {$74.00} dollars. The supervisor waived interest charges for two months, but also refused to quote me the finance charge formula they use to calculate the interest. I 'm incredibly skeptical of Citibank , N.A . XXXX at this point, because their employees are unlawfully refusing to quote exact rates that are being charged on my account, they refuse to provide the formula for interest calculation, and at this point still have n't provided me with access so that I can review my account history and how my payments are being applied. I feel like by limiting my access i 'm falling into predatory lending schemes, and i 'm outright being lied to by the service reps on the phone. I still do n't know how much money i 've lost in payments since i ca n't access my account. All I know is that i 'm not making purchases, and my finance charge is increasing, without my rate increasing and i have no paper trail to prove anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
In XXXX I opened a CitiGold checking account with CitiBank. I confirmed in XXXX that I had a promotional offer of XXXX XXXX XXXX XXXX miles attached to the account with the following requirements : -Within 60 days after account opening : complete Qualifying Debit Card Purchases of {$1000.00} using the Citibank Debit Card . 
-Schedule 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month. 
The AAdvantage bonus miles will be credited within 90 days from the end of the statement period in which you complete all offer requirements. 

However, I contacted Citibank in XXXX after completing the requirements and waiting for the bonus to post. I was informed that my account was not eligible for the bonus, despite the previous confirmation that I was eligible and the bonus was attached to my account. I feel this constitutes a flat out lie by Citibank.

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 non-monetary relief