vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have had a credit card with Citibank for years. Some years back, I added an " authorized user '' to my account, and Citibank issued that person a card. That person never signed an application, and is not a co-borrower. 
I was shocked to learn that Citibank is reporting this balance under the " authorized user 's '' credit report, even though this person has XXXX liability to pay the account. 
I called Citibank to correct this, and they told me it is their policy to report balances for ALL users authorized on an account, REGARDLESS of legal liability on the account. 
I informed them they were in violation of the FCRA, and they basically said, " tough. '' I would like to file a formal complaint to have Citibank stop this deceptive 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 non-monetary relief
Consumer complaint received 2015-04-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Solidus Group LLC.
State: TX

Complaint narrative:
For a year I have been called about a debt by delaware solutions, but they do not disclose the debt they just call it check fraud sometimes it is XXXX or XXXX companies calling on the same debt in the same month, they say they are a legal dept but will be specific. They keep calling my place of employment even though they have been asked not to by me and the others in the office, I will loose my job they called my office XXXX on XXXX/XXXX/14. They use robo calls and threaten with jail and fines I have spoken with these debt collectors and requested they send me all the information on the original debt including my signature that says I agreed to such a contract, they then get irate and start yelling, I refuse to give them any of my personal information but they continue the call, they think because they have the last XXXX digits of my SS number that I will agree to pay them money, they threaten jail time and fines if I do not pay with in a few days, after I refuse the calls stop for a week or XXXX and start right back up. I have them blocked from my personal phone but they keep calling my work, they even called my brothers house phone I did n't even have that number. How they got it I do not know. I just want this to end a year of this harassment is more then anyone should have to endure. Attorney 's say they can not do anything because these companies change locations. You would think after a year they would know I am not giving them anything and move on.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
We are renovating our home and order supplies from Home Depot and charged it on our Citi Bank/Home Depot card. Our credit limit is {$500.00} and we have never wanted to increase it. My score was over XXXX, apparently deciding whether to return or order another XXXX my HD/Citi card went over by {$96.00} around XX/XX/XXXX. My billing cycle is the XXXX of each month. I was n't advised at all from Citi Bank/Home Depot that I was over the credit limit even though I have it listed it on my online alerts to let me know should that happen. I learned by an online alert XXXX XXXX that XXXX of my accounts was over the credit limit. It resulted in my credit score going from XXXX to XXXX along with the negative effect it has by going over your credit limit. I immediately made payments ( see payment information attached ) which should have reflectected by my billing cycle. This overage was n't over 30 days and it was well before my billing cycle. You will see that they still have n't updated the XX/XX/XXXX billing cycle but still reporting over the credit limit. Is n't that the purpose for having the same day each month with the credit card company as your billing cycle to allow you enough time to make any adjustments prior to them reporting on all XXXX of your credit bureaus. I am in the middle of applying for a business loan and the first thing the bank sees is that I am over the credit limit on a {$500.00} credit line. This is painting the wrong picture of my credit worthiness which also is reflected in my payment activity. My wife has worked in the XXXX for 30 years and ca n't believe that Citi would report the overage before the report the payments. Is this their way of charging a higher interest rate? I am hoping to resolve this issue through your site as I have tried on line Chat, email, telephone with no response at all. Please help me before the bank uses this to charge me a hard money 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 2016-07-27 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
I was issued a Citibank Costco Visa card in early XXXX 2016. The first statement of the new card closed on XXXX XXXX, 2016, following the transition from XXXX. Owing to the fact that my account was linked to my bank account through XXXX, no payment was made on a balance of approximately {$760.00}. Two days after statement closing, I received a phone call from Citi collections in which my credit rating was threatened and specific statements were made about delinquency. I subsequently paid the outstanding balance on the account. The following day, without my permission, Citibank closed my account - despite the presence of approximately {$68.00} in cash rewards outstanding. Once again - no request to cancel the account was made. 

Subsequently, I have requested the account to be reopened on two separate occasions. In fact, I received a call from Citi indicating that the progress was slow and they wanted me to file another request. I am disappointed in the fact that a representative closed an account without my permission and the overall poor service I have received.

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 2016-04-10 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XX/XX/XXXX I was contacted by a Macy 's representative who asked me about my credit card charges as he thought there may be fraud. I confirmed that these charges in fact were not mine. He told me he would close out the account and send me a new card then have the charges investigated. He said I would not be liable for those charges. About a week later I received a new Macy 's card with a statement that had all the fraudulent charges on it. I then called Macy 's and asked why they transferred all the fraud charges to a my new card. Their answer this is how they do it until the investigation is over and I am still not obligated to pay for the charges. I 'm still a little confused but ok at this point. Of course I did n't pay that bill so then I begin to get calls from Macy 's telling me about my large balance and that it is over due! I then call Macy 's and ask why they are calling me to pay. Also when I do call I wait on the phone for at least an hour while they look into matters. They again tell me it will take 90 days and this is what has to happen and they will stop the calls. They did not stop as I got several more calls and also more bills with interest and late fees! This is very upsetting as I pay all my bills on time and never carry a balance. So now it is 3 months later I have been dealing with this and they have reported me to the credit bureaus as being late/not paying my bill. Thus ruining my excellent credit! This is absolutely absurd because why should I be penalized for something I did n't do. They know it is fraud and they say I do n't have to pay the bill but they report me! What is that? Macy 's has greatly upset me and consumed my life the last 3 months because I have had to call them over and over again with no positive outcome. {$1500.00} was charged on my Macy 's credit card through Macy's.com and sent to a PO box which I know and Macy 's knows is fraud, but they still have to investigate. They can investigate all they want but leave me out of it as I have nothing to do with that. I 've done all I can do and I 'm not sure what else I can do before taking legal actions. Macy 's has really handled and is still handling my situation very poorly. I want them to clear up my credit and put everything back to the way it was before this mess began. I do n't know if that is even possible once you are reported to the credit bureaus to get it wiped off? So they may have ruined my credit which I will then take legal action for sure. When will this investigation be done and why add interest and late fees. That about sums up my fiasco with Macy 's.

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 2016-02-01 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX of 2015 my savings account at Citibank was hacked into. XXXX unauthorized withdrawals of {$500.00} and {$300.00} were made by unknown individual. The problem was reported to Citibank via the phone the next day. The bank declined liability for this and have not reimbursed me for this loss. According to the research I have done, they are responsible to reimburse me for my loss, but they are denying.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I 've been a Citi credit card member for years. In XXXX 2016, I was late for my payment ( due on XXXX XXXX ) because I thought I already scheduled a payment but actually I did n't. When I realized it, I paid all my balance on XXXX XXXX. Since this is the first time I was late for my payment, I was hoping Citi can waive the late payment fee as a goodwill to a customer who is always making payment on time for years. I called the customer service and was told they can issue a credit for the late payment fee after the payment is posted. But when I called them again, XXXX days after the payment posted, I was told they ca n't have the late payment fee waived or credited.

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 2016-07-08 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
The " My Macy 's '' credit card charges a {$2.00} " minimum interest '' fee each month, even when the balance has been completely paid off, there are no new charges and the balance would otherwise be XXXX. I was charged this fee three months ( XXXX ) in a row, on a XXXX balance, before I finally called to complain. The Macy 's representative 's explanation was, " the fee is for interest carried over from before the balance is paid. '' But there had been no balance for three months. And a fee of {$2.00} could n't be an prorated daily interest charge because such a number would not be so even or the same each month. When asked why an interest fee would be charged with no balance, the representative simply said, " We are happy to refund the fee to you. '' They even have an option on their automated phone messages, asking if you are calling about the fee. If you press the number for that option, they recorded message says they will refund the fee as a courtesy, but the fee is for " carried over interest. '' Perhaps, I 'm not understanding how interest is calculated on credit cards, but I do n't think any interest or fee can be charged if you pay the balance before the due date. Their complete lack of substantive defense to the question, and automated refund, leads me to think that they know it 's a scam and are probably charging many people this fee for no reason.

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 2016-10-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I purchased a sectional from Macy 's on XXXX/XXXX/XXXX using my Macy 's credit card in the amount of {$4500.00}. I exchange the sectional on XXXX/XXXX/XXXX and purchased another one for a lesser price {$2600.00}, I had a credit from the first sofa and can understand why Macy 's has not applied the credit to the exchanged sectional. I have called Macy 's customer service department on several occasions waiting for some one to call back. I also have been to Macy 's seeking help.

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 2017-02-18 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
BestBuy offered me City Bank credit card i agreed and was approved. I received card and try to activate but it was impossible because they can not identify phone number as mine. So i can not close account or activate card because of their problem with identification of my phone number. I have all necessary documents, XXXX, ID, and phone number contract is on my name.

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 2015-09-13 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
Macy 's took down their website without prior notice, when I went in to pay the credit card bill there was no way to make a timely credit card payment as the website was down. They provided an XXXX number to pay the bill but that number was cut off before the website was actually back up. Macy promised to have the site up XXXX but it did come back up again until mid XXXX. They then applied a {$25.00} late fee to the account. How can they charge a late fee when they removed my ability to make a timely payment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-16 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I went to Macy 's Department Store to purchase sunglasses. I rarely go to Macy 's and I did n't have my Macy 's card so the cashier looked up account by asking for my social security number, if I recall correctly. I was able to make the purchase and also some cosmetics. I made payments using my XXXX XXXX Bill Pay. 

Later I recieved a bill with multiple fees and was recieving multiple calls urging me to contact them regarding my account. When I called they said my payment went to the wrong payee, my Macy 's card, and they would arrange to credit the payment to the new American Express account. I told them I never applied for a Macy 's American Express card, and realized the cashier must have opened the account. 
The customer service person stated they would reverse all fees and transfer the payment to the American Express account. 

I requested the original purchase details and amounts and questioned the balance, after fees were reversed, minus my payments. The representative agreed to correct the balance due amount to reflect the amount I calculated. I decided to pay off this balance in full and resolved not to shop at Macy 's because I do not trust their billing practices. 
I continued to recieve calls and billing statements. I called to clarify my bill, stating that I paid it in full. The customer service person reassured me that my account was indeed paid in full. 
Still I continue to recieve multiple calls per day from 'Macy 's ', and statements that show mysterious fees and 'purchases '. 

I do not want to call again because I am afraid it 's a scam. 

Should I go to a Macy 's store to speak with a manager? I think they may just refer me to the electronic or phone billing department, which is not trustworthy, in my opinion. Also I need to address the fact that they opened an American Express credit card without my knowledge. They sent me the card after the fact. I have not used this card, but keep it to resolve what I believed was a purchase on my Macy 's card for the original purchase of sunglasses and cosmetics only. 
Kindly help me resolve this problem with mysterious fees and charges mounting on this Macy 's American Express account. I can provide amounts and dates if requested. I have a file with the bills and notes on phone conversations.

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 2017-03-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2016 Costco changed from XXXX to Costco Anywhere Citi Visa. On XX/XX/2016 I paid {$5900.00} to XXXX. On the first statement from Citi Visa I received a bill for {$5900.00} the amount that I had paid XXXX ; Citi informed me that I had not paid XXXX and therefore ; I needed to pay them. I informed them that I had payed XXXX and sent them a copy of my bank statement that showed the {$5900.00} being deducted and payed to XXXX. Citi Visa refuses to correct their mistake and issue credit to me for {$5900.00}. Because Citi Visa has not corrected their mistake my credit score has been down graded and when I tryed to refinance my Mortgage I was told that I was going to pay {$250.00} more because Citi Visa had reported that I was late with payments. Customer Service at Citi Visa has told me on different occasions that they had found the payment only to receive letters later informing me that I still owe the {$5900.00} because they had not found the payment after all. I have been trying to get this issue resolved for over 9 months.

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 2015-11-29 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I used my Macy 's card to make purchases over the past few months. When I went to pay my bills a couple months later, I noticed that I never made a payment to Macy 's. When I called Macy 's, I was immediately connected with the collection department, who notified me that I never paid bills, had accrued late fees and was reported to the credit bureaus as delinquent. Furious, I demanded an explanation as to why I was not contacted before they took the latter step. They claimed they called and sent me online statements. They had my phone number correct, and could not verify my email address. However, they claimed I had authorized online statements, which is the reason they gave for me not receiving a bill. But, you ca n't verify an email address for that? Sounds fishy ... Nonetheless, I do n't recall making the paperless billing authorization ; it was most likely in some fine print that I missed, if what they claimed is true. Still, they never reached out by phone, and they were able to verify they had the correct telephone number. They also never reached out by mail ; the address is correct since they sent me a new credit card to that address. I requested they remove the late fees from the account and remove my delinquent status from the credit bureaus. They removed the late fee, but said they could not remove the delinquent status. I paid the account in full and closed the account. I pay my bills on time, when I get the bills! Consumers should not be reported to a credit bureau as delinquent until an attempt is made BY MAIL and BY PHONE to contact them. Neither option was used. Is that even legal? It should be, especially in the world of 'paperless billing! '

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
On XXXX XXXX 2016, I opened a Citigold checking account on receiving a promotional code ( XXXX ) because I am an existing Citi XXXX credit card customer. The promotional code promised XXXX XXXX miles on completing bill pay and minimum spend requirements within a specified timeframe. 

I completed those requirements in the first week of XXXX, and the statement closed on XXXX XXXX. 

Citi representatives confirmed I am eligible for the promotion and that I have successfully completed all requirements ( correspondence attached ). 

I then waited more than 90 days, as per terms and conditions. 
I then followed up, and was told to wait more for a few days. 
I then followed up, and was told to wait more for a few weeks. 

As of the date of this complaint, my XXXX have still not been rewarded, despite them having been promised several weeks ago.

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 2016-07-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/2015, XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to 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 2015-03-25 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
I tried to open a bank account with Citibank. 
The account was opened and funded. Now they asked me for verification with Driver 's license. I traveled XXXX and my Driver 's license XXXX a few days ago. 
I asked them if I could fax my Passport they refused. They said it 's only Driver 's license they need.

Company response to consumer: Closed with explanation