vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-25 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of XXXX I availed myself of a XXXX % balance transfer offer from Citibank which would come due on XXXX/XXXX/XXXX. In XXXX of XXXX I received my statement which was due on XXXX/XXXX/XXXX and I paid my entire balance due ( which included a the balance of the transfer offer ). I made additional purchases on my credit account on XXXX XXXX ( which would be my XXXX billing date. Although I paid my entire balance in full as of the due date, Citibank applied my payment in full of my XXXX statement to the purchases made AFTER the statement generation thus leaving me a balance on the transfer offer subject to interest. They claim the " government '' requires them to do this, however, as the consumer IT IS MY MONEY. It was my intention to pay my entire billed balance as of my XXXX statement in FULL which included the balance transfer offer and NOT my UNBILLED charges for the XXXX period. If an account is paid in full during a statement period the charges INCLUDED in that statement should be satisfied and the XXXX charges for the next statement period are the ones that should remain on the account. As the consumer I should be in control of the funds applied to my account NOT the bank. If a payment greater than the minimum is made the CONSUMER should have the right to direct those funds to the balance NOT the bank/government. The bank or the government SHOULD NOT be making these decisions for me. I should maintain the right to pay off the debt that I CHOOSE.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC
State: OK

Complaint narrative:
I have not done business with this company, i have not signed any papers with them, nor do i owe them any money. These results are incorrect and need to be removed immediately. Ive asked them for documentation i.e., documents with my signature, and validation that they can collect any debt based on this no response. Ive also disputed this with the bureaus and they reported that the debt has been verified but thats not true! Please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
My daughter attended XXXX in XXXX, NC. upon her graduation she immediately began getting a call from Citi , Corp. She assumed it was fro a credit card that she had gotten when she first attended college and told them that she dd not have a student loan with Citi . I was immediately contacted and told to pay the loan. I told them my daughter did not have any private student loans and I had not co-signed for any student loan other than completing her FAFSA. They immediately began telling me that I needed to pay the loan or they would have my daughter investigated for fraud and imprisoned. I requested confirmation that I had signed for this loan and was refused on the grounds that " it was not my loan ''. I contacted her school and was told that they had no documentation of this loan or a disbursement to my daughter. Shortly after the loan was placed on my credit report and my score dropped significantly. I was contacted again at my place of employment and when I asked how they obtained my work number, the CSR told me they were a credit issuing company and they could obtain any financial and employment information out about anyone. I again asked for verification that I signed the loan and was refused. I also asked that the loan be deferred since I was a full-time student and was told " not possible since the loan was not mine '' so I asked that it be removed from my credit report and the request was also refused with the CSR saying they could always have my daughter investigated fro fraud and imprisoned if XXXX of us did not pay. Finally after they defaulted the loan on my credit report and refused to send me any documentation, I contacted them about repayment. They told me they would be glad to send me the documentation once the loan was paid. I paid the loan in full and later received a XXXX page loan application that contained neither a signature for myself or my daughter. Instead, the signature line for both has typed " signed electronically ''. The School Certification section is completely blank except fot the school ID code and there are no signatures from any school official on the application, or any other information form the university. Additionally, the original loan request was for {$10000.00}, which far exceeded what it would have cost my daughter to attend this public university as she was a commuter and stayed with family members and at that time they " issued '' this loan, my annual salary was only {$30000.00} so there was no way I could have afforded a {$10000.00} loan. My daughter also received FAFSA and XXXX during this time and a scholarship through my place of employment so this loan would have been completely unnecessary.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This was an unused line of credit which has an erroneous report of late payment in XXXX of 2013. As there was never a balance on this account, there was also never a 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 2016-07-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I have filed a dispute with Citi Bank. I have filed a dispute for the amount of XXXX XXXX for XXXX. I have so much docs it is sad citi has not taken me seriously. I have emailed them everything they require along with phone calls, saying they would call me back, emails all kinds of emails. They emails provide proof of why XXXX XXXX ripped me off. Citi reversed all charges when I got to XXXX two months ago. Sense then I can never get a hold of anyone in the dispute team. They have also closed this dispute. I provided them everything they asked of via email. I have proof. I resend this proof three other times. I am now asking for you help. They inquire me, unless they want money. I am very shocked how they are like this to a client like myself.

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 2016-11-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I purchased several thousand dollars worth of XXXX XXXX gift cards starting from XX/XX/XXXX-XX/XX/2016 and started purchasing them again this week ( XX/XX/XXXX-XX/XX/XXXX ). On XX/XX/XXXX, I noticed that my gift cards have all been closed. I am the card holder / authorized purchaser on all of the gift cards. XXXX XXXX closed ALL of my gift cards dating back all the way since XX/XX/XXXX-XX/XX/2016 this year without contacting me prior to the closures nor are they issuing refunds. I have called XXXX XXXX XXXX times in the past week and they have not given me any refunds or resolution to the issue. I am now out thousands of dollars because they decided to unlawfully cancel thousands of dollars in gift cards that are n't supposed to expire and are transferable by law and no refunds are in sight. I have called Citibank ( the card issuer ) used in most of these transactions three times now and they have not been of assistance in helping me recover the funds from XXXX XXXX - as I 've essentially lost thousands for nothing. The first call to Citibank, the representative said she would help me dispute all of them - that never happened. The second call representative told me they could n't be disputed since they 're gift cards. The third representative told me she would dispute all of them and issue me a new card and that never happened either. This week 's purchases ( before I noticed ) - I never even received the gift cards I paid for and after this week I noticed XXXX XXXX literally cancelled all of my gift card purchases and never refunded any payment. Both parties do not want to help me and I am out thousands of dollars paying for literally nothing. XXXX XXXX quite literally stole from me.

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 2015-12-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I ordered a luggage from Macys.com. I was charged under the macys credit card. The shipment was delivered to my apartment but no one was there to receive it so the shipment was sent back to the warehouse. I called Macys and reported the incident. The person I spoke with asked if I still want the item. I said yes. She said that we will have to file a new order transaction and that I have to pay for it again. At that point, i used my XXXX credit card for this transaction. She told me that as soon as their system confirmed the return of the first order, they will return the credit to my macys credit card. The second order went through. I was able to received the package and was able to pay the full amount in my XXXX card. Then macys credit card did not issue me a credit for the first shipment that was sent back to their warehouse. I kept calling their customer service and they promised that the credit will be posted in my account in 3-5 business days. But then I keep receiving letters from macys stating that as per their investigation, the package was confirmed delivery. First of all, they have a wrong order number. They used the tracking number of the order that was returned to their warehouse so I do n't know how they were able to verify the information. It was frustrating that they will not take the bill off my credit card even when all the information I provided them already stated that the shipment was returned to them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I had inquiry on my credit report saying that I applied for chase bank credit card ( XXXX ) i tried to call them to inform them that this was n't authorized by me so they can take it out from my report so they refused saying i have to wait until XXXX 2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
XXXXXXXXXXXX Per attached Best Buy purchase of XXXX ( XXXX ) Office 365 Product ( back-copy ) and receipts, I was under the impression that if I did not " scratch-off '' the back of the XXXX Office 365 product-card ( see attached ), the product could simply be returned to Best Buy and put back on the Best Buy store shelf for another purchaser. 

However, upon returning to the Best Buy XXXX XXXX, XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX with the " unscratched '' XXXX Office 365 product card, I was told by the Best Buy store salesman XXXX XXXX and Best Buy customer service rep that even if I brought it back in the 15-day window time for returns, since it is " Software '' it is NON-REFUNDABLE. 

No where on the receipt, or during the purchase, or posted on the purchase aisle in the store was I made aware that since it is " Software '' it is NON-REFUNDABLE, but rather, I was led to believe that if I did not scratch-off code on the back, I could simply return the product to where I bought it. 

As a " naive '' buyer, I was also led to believe to always buy software for any computer purchase, but the XXXX Airbook ( XXXX Air, XXXX Air on the receipt ) apparently is able to use cloud-based docs and spreadsheets, and does n't need any " downloadable '' software. 

The original Best Buy salesperson XXXX XXXX and Best Buy Customer Service rep were unable to help me with any possibility of return and explained that once the XXXX Office 365 product was scanned at the register, at that point in time, it became non-refundable - even though I did n't scratch-off the back of the product card and even if I had brought it back in the 15-day return-time window. 

I was not made aware of this at the time of purchase, but rather was simply made aware of the need to scratch-off the back to use the product. 

Customer service at Best Buy XXXX XXXX store at XXXX XXXX XXXX XXXX, XXXX, NY XXXX told me to call XXXX, which I did, and they gave my this email XXXXXXXXXXXX to which I wrote. 

What is the official procedure for Best Buy, or ANY store that sells separate software along with computers, to accept return of UNUSED/UNSCRATCHED XXXX product to enable a refund or exchange? 

At the attempted time of return, Best Buy in-store Customer Service seemed to imply the onus was now on me as the " owner '' of the software-license to NOW deal directly with XXXX (?! ) since their cash-register-scan removed the product from their shelves without the possibility of return. 

However, further enticement was made at the time of purchase to perform the purchase via " new '' Best Buy Credit Card, which also was done, again with the implicit ( and now-found-to-be-INCORRECT ) assumption that returns could be made to the card if the XXXX Office 365 product was deemed unnecessary at a later date. 

Please investigate and reply.

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 2016-10-26 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I closed my Sears credit card account in XXXX 2014. Unbeknownst to me, the account information was still on file with a rental car company, XXXX. I rented a car from XXXX earlier this year and returned it but never received a receipt, nor was I asked what payment method I would like to use. According to Sears Credit Card customer service, XXXX was able to bill my Sears card ( even though it was closed by me ) due to some sort of contractual relationship between Sears and XXXX. Fast forward a few months - I began to receive overdue notices in the mail from Sears, with instructions to call them immediately and arrange for payment ; Sears had charged me late fees and interest on an unauthorized purchase on a closed account! In addition, I was unable to pay or even access my account online ... since I had destroyed my card, I could not perform a password reset ( which required the card number and CVV code ), and Sears refuses to give me the account number over the phone. 

The pertinent information above - the date I closed my account, the fact that XXXX was able to process a charge after that date, the apparently unique relationship between XXXX and Sears that allowed XXXX to essentially re-open my account without my permission, and the fact that Sears ' policies prevented me from accessing my account without the physical card - were all verified and confirmed during a telephone conversation with a Sears customer service representative today. I admit that I do owe money for a car that I rented, which totaled approximately {$80.00} ; however, Sears ' credit card policies and their strange relationship with XXXX has caused them to make an additional $ XXXX+ in interest and late fees. Sears claims that no merchants " other than rental car companies '' are allowed to use their cards in this way, but how is that even possible, and how am I supposed to know which rental car companies may have my information? As of this writing my account remains " closed '', but what safeguards exist to make sure that I am not going to be charged anything in the future?

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 2016-10-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
For inaccurate reporting and failing to properly investigate in the allowed time frame by the Fair Credit Reporting Act.

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 2015-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Solidus Group LLC.
State: AL

Complaint narrative:
Company calls and threatens me with charges of bank fraud. refuses to verify debt, never says this is an attempt to collect a debt. Says i owe XXXX for payday loan. I contacted XXXX corporate office, they say i do not owe them and this company trying to collect is a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed
Consumer complaint received 2015-04-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
While serving in the United States XXXX, I received XXXX to travel from XXXX XXXX, XXXX to XXXX XXXX, XXXX in XXXX of 2010 in order to complete my XXXX requirements to be XXXX from the military. I purchased a ticket with a government credit card ( Citibank ) with the belief that I would be reimbursed, or the finance department of my parent unit would settle the debt. I was unaware, until several years later, that the bill had not been paid. For background, when a soldier processes out of the XXXX, every department must sign off on the XXXX. XXXX of these departments is Finance. A soldier is not ( usually ) allowed to clear the installation and XXXX with any outstanding debt owed due to military service. It was for this reason, that when I visited the finance department to obtain clearance paperwork for my XXXX I was assured that I did not owe the outstanding amount on the credit card, and that it would be settled. I have attempted to reach an agreement with both the card issuer and the debt collection service to which they sold the debt, with no success. I have also attempted to remedy this situation through the military, with no success. 
This is a serious blemish on my credit, and I would like to get it resolved. I have not been reimbursed for this travel expense, as I was unaware that the debt was owed and therefore did not submit a travel report which reflected the amount of the ticket.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
we and my husband got a dissolution he took ownership of the property my name was supposed to be removed from the mortgage only to find out later by disputing with the credit bureaus did i find out it was not removed also i found out by the bank itself it was not removed after giving them my ex 's social security # then all of a sudden they found my name still on the mortgage like they are trying to hide it.

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 2015-10-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Citibank Sears MasterCard has been charging {$19.00} a month since XXXX/XXXX/2015 for " XXXX CreditRep '' and I do not know what it is and did not ever authorize this charge. 
I submitted a written dispute with Citibank upon discovery of the charges ( XXXX/XXXX/2015 ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I scheduled a payment online for the due date. It did n't go through and I was charged a late fee. The late fee was removed but my account still showed that the payment was late. This is the second time something like this has happened while I used their online payment service.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
For the past three weeks, I 've been getting bombarded with convenience checks offers from Citibank in the mail. I wrote one convenience check and I deposited into my bank account at XXXX. A couple of days later, the check was returned by Citibank citing that I exceeded my credit limit and I was charged {$15.00} returned check fee by XXXX. 
The marketing materials that Citibank sent, one a week, is very misleading. The marketing materials tell you what your overall credit limit is. Then they tell you in another part of the marketing materials what your available credit balance is, but in fine print are the charges and fees that are charged. 
In my opinion, the presentation of the cost of the fees is buried in the marketing material and is misleading. The marketing materials are misleading since the fee are not explained properly and is in very small print as opposed to your credit limit and available credit is in a larger font. I would like Citibank to reimburse my the {$15.00} returned check fee charged by XXXX via a statement credit on my Citi Double Cash credit card statement. In conclusion, I believe the marketing materials are misleading and I should be reimbursed the {$15.00} charged by 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