vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-28 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I made an overpayment of {$0.00} on my Citi/AAdvantage Platinum Select Card a few months back. Got my XXXX 2015 statement and it shows no credit. The balance is XXXX out. The Account Summary section of the statement shows the following adjustment : Post date : XXXX/XXXXDescription : Balance removed due to XXXX mos inactivityAmount : $ XXXXXXXXThis is the XXXX time of all my 30 plus years of credit card history to encounter such an adjustment on account credits from a credit card issuing bank. I also wonder how many accounts Citi Bank has XXXX out and pocketed the gains from account holders. Encourage the CFPB to look into the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I paid my Citi credit card account in full. Additionally, I had no new charges for the month. Therefore, I would have expected that my billing statement would have a zero balance. But no. Citi charged me interest anyway that month on what they called " residual interest. '' I know of no other credit card company who has this practice. Their explanation was that I had to pay my bill in full not just for the most recent month but for 2 consecutive months to avoid interest. Wow. Talk about taking advantage of consumers! I 'm ashamed for them. It 's simply inexcusable. A sorry way to trick consumers into paying a lot more interest.

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 2016-12-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FIDELITY CAPITAL HOLDINGS, INC
State: CA

Complaint narrative:
I received a letter from Fidelity Creditor Service, XXXX XXXX, XXXX CA XXXX. Telephone number XXXX. 

They said I owed {$1000.00} plus interest of {$110.00} for a total of {$1100.00} that I owe. This was for service from XXXX XXXX on XX/XX/XXXX and I received this letter on XX/XX/XXXX. 
XXXX has been paying my medical bills. This bill was the first time I ever received a bill for this service. I never even knew that I had a bill. Seems odd that Fidelity could send me a bill but XXXX XXXX could not send me the bill. 

So, I get this bill and then I ask for a itemized bill for the date of service and XXXX XXXX said they could not send it to me a copy of the bill since it has gone to collections. I asked collections for a copy of the bill for the money they say that I owe them and have not heard back from Fidelity as of today. 

Also, I am getting charged interest for a bill that I did not know I even had. That just is not right. 

I need assistance with this matter and some advise on what I should do. 

Thanks for the 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 2016-03-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX XXXX 2016, Citi Bank closed all my credit cards unexpected and about XXXX thank you points was forfeited. I always pay my credit card pills on time and never miss a single payment. I have paid the hefty annual fees on multiple cards and just lost all benefits I should enjoy upon the account closure.

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 2016-01-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: ZENCO COLLECTION, LLC
State: NC

Complaint narrative:
Zenco collects contacted me on XXXX XXXX XXXX saying I owed a credit card debt for XXXX commercial credit. I have never heard of this bank or never hada commercial account, after telling them this I got tthreatened with a lien taking out on my truck and my drivers license to be taken. They said I had until the XXXX of XXXX and that after it was paid I would never hear from this loan again. They knew my last XXXX of my social number and that I had a XXXX truck at XXXX that they would put a lien on.I went to my bank ncsecu in burnsville nc to get the money transfered in my account XXXX. My bank did some research and could not find any such debt, they sent for a XXXX credit report for me still showed no such debt. My bank manager called zenco collects and went to voice mail she left message no return call. My bank took my money out of my account because zenco had my debit card number, I was informed by ncsecu this had to be a scam, so on XXXX XXXX I started receiving threatening phone calls and so did my bank manager about fraudulent charges to be placed on us. Said the bank had no buisness or authority to pull my credit to check and tell me not to pay. And said the reason they did not see this on my credit report was because I ask them not to put it on there which never happened. I have disabled my debit card per my bank. They never did send me any proff of the debt as myself and bank ask for. If I owe this debtbi was readyband willing to pay, just want the threatening cslls to stop. The first name of so called lasyer was XXXX XXXX. The last just said XXXX XXXX to myself and bank. Phone number is for zenco collects is 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 2016-05-13 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I cancelled my Macy 's credit card in XXXX 2015 after paying off the entire balance. I did not realize that they continued to charge me {$2.00} a month until XX/XX/XXXX when I emailed Macy 's ( to have it in writing ) and called to cancel the card again. Nothing happened. By XX/XX/XXXX, I owed {$22.00}. I decided to just pay it and try to close the account for the third time. Yet, I continued to get charged this {$2.00} every month! When I called the " Specialist Department '' at XXXX, they said that I never cancelled it and that they kept charging me because I paid the balance after the billing period. They have also reported me to the credit bureaus because of this. My XX/XX/XXXX statement was back up to {$14.00}.

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 2015-09-15 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Credit Card was always paid on time. I send a letter complaining about incorrect information reported to the credit agencies and they send me a letter back telling me that my account is now current. I do n't have an account with Home Depot and my account was always current.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My Home Depot card had XXXX promotional balances : XXXX/XXXX/16 {$1400.00} XXXX/XXXX/16 {$2000.00} XXXX/XXXX/16 {$310.00} I paid {$100.00} on XXXX, {$90.00} of which was for the minimum payment. On XXXX/XXXX/16 I paid another {$100.00} toward the XXXX/XXXX/16 promotional balance. On XXXX/XXXX/16 I paid {$2000.00} to satisfy the balance owed of {$1300.00} and the balance of {$700.00} to be applied to the XXXX/XXXX/16 promotional balance. Home Depot now shows that I owe {$2600.00} on the XXXX/XXXX/16 promotional balance. I am prepared to pay the correct balance of {$1300.00} on XXXX/XXXX/16 but ca n't since they ca n't seem to fix it. I have contacted them via e-mail, online chat and phone at least 10 times already. Now they tell me it is going to take 1-2 billing cycles to fix it. It only took them a day or two to make a mess out of it. Please 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 explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
My Macy 's XXXX card was comprised at the end of XXXX with {$300.00} worth of fraudulent charges. I immediately reported the issue and was told it would be resolved within XXXX billing cycles. I was also assured that I would not be responsible for additional fees on the account that may add up until the charges were removed. While the {$300.00} charges were removed, the extra fees were not and continue to increase. Each month upon receiving a statement in the mail, I call and am told it would be {$0.00} within XXXX to XXXX billing cycles. No one has been able to assist me and make this go away. I am desperate for help because it is now XXXX ( 5 months later ) and the charges are still increasing. I have not used my Macy 's card and in fact have no interest in shopping with them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Applied for a Citigold account with CitiBank during their promotion with which I received a promotional code ( XXXX ) corresponding to a XXXX XXXX XXXX miles reward, called CitiBank 's customer service line and applied over the phone using, receiving verbal confirmation that I was eligible for the reward. I was then approved for the account, fulfilled the requirements of spending more than {$1000.00} using a debit card linked to the account, and two bill pays spanning two separate months. I logged on and spoke with another representative to ensure I met the requirements successfully and to confirm when I would be receiving the reward upon which I was informed I would receive them no later than XX/XX/2016. It has since been nearly a month since that date and I have yet to receive the corresponding reward miles. I am fairly frustrated that I have been misled in applying for this account, under which the bonus was a key interest point in my applying for it. I hope this can be resolved soon as little progress has been made from CitiBank 's side.

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 2016-05-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
When I received my XXXX 2016 Citi Diamond credit card statement, the minimum payment due was {$25.00}. Instead, I paid the {$340.00} balance IN FULL, via money order. The payment was n't posted by the XXXX/XXXX/16 due date, so I authorized a {$25.00} transfer from my savings in order to not be 'late '. XX/XX/XXXX came and went, still without that {$340.00} payment posting. Once again, I made another {$25.00} payment in order to not be 'late ' with the XX/XX/XXXX minimum. In the interim, I contacted the money order company and spent another {$15.00} to get a copy of the original money order sent to Citi Diamond, hoping to see if it had been lost or stolen. When I got the copy back, it is clearly stamped, " DEPOSITED TO CITIBANK '' on XXXX/XXXX/16. I contacted Citi and they have been no help. They are telling me their invesigation will take at least 30 days, and in the meantime, I will have to make another {$25.00} payment by XXXX/XXXX/16, so I 'm not 'late '. Now I 've paid an extra {$75.00} that is not even owed, all because they miscredited MY {$340.00} payment IN FULL back in XXXX 2016.

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 2016-05-11 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Managing, opening, or closing account — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have a Citi prepaid XXXX card that was part of a promotional " rebate '' program from some auto parts I bought. It expired XXXX 2016 and I lost the remaining XXXX {$30.00} on the card. I called to see if they would reissue, and the agent said they could do it once, with a new card that works for 6 more months. She said they would not reissue again. I told her that according to the CFPB site, prepaid card funds are good for 5 years. She replied " that was for gift cards only. '' I responded that the CFPB site says " prepaid debit cards '' are included. She said that the card was issued in a state with different laws. I told her I knew she was only reading off the screen, but Citi is wrong. I think they are operating outside the law, and likely a class action lawsuit is in order depending on the scale of the problem.

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 2017-01-24 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
During XXXX I drove from XXXX to XXXX and used my Citi Bank card to buy gas on the road. My card was flagged for possible fraud and put on hold. I called and confirmed that there were no fraudulent charges. I was then asked to confirm my identity and faxed in a copy of my drivers license a copy of a bill under my name a copy of my marriage license and both my current social security card and the card under my maiden name. I was then told that that was not good enough information to confirm my identity and so I then sent a color copy of the front and back of my drivers license and signed the paper with my matching signature to the one on my license. In that fax I also included a copy of a current bill to again show proof of address. Once again I called in and was told that there was no supervisor working and no one can help me with my problem. When I told the woman on the phone during my last call that I would not hang up until I spoke with someone who could help she told me she had to disconnect the call and hung up on me. I have been dealing with this for over a month and can still not close my account. I need help and do n't know what to do.

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 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
I responded to a special promotional offer to open a Citibank Citigold Checking Account on or about XXXX XXXX, XXXX. The promotional offer code was XXXX and stated that, after I met certain specific requirements, I would receive a bonus of XXXX Thank You ( TY ) points. I met all the requirements by XXXX XXXX, XXXX. I contacted Citibank twice to confirm that I qualified and would receive the XXXX TY points, and Citibank twice confirmed that I would receive the XXXX TY points no later than 90 days after I met the requirements, that is, by XXXX XXXX, XXXX. Those confirmations occurred in online chats with Citibank representatives on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ) and on XXXX XXXX, XXXX ( chat with Citibank representative named " XXXX '' ). When I did not receive the promised XXXX TY points, on XXXX XXXX, XXXX, I contacted Citibank on XXXX XXXX, XXXX. Citibank conducted an '' investigation '' and notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus, even though Citibank representatives twice confirmed that I would receive the bonus. I asked Citibank to reconsider the decision on XXXX XXXX, XXXX, and Citibank again notified me by letter dated XXXX XXXX, XXXX that I did not qualify for the bonus. I feel misled and cheated out of XXXX TY points, which are worth {$500.00} or more.

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 2016-03-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In XXXX, 2015, Macy 's notified me and my wife that our combined Macy's-American Express card ( which is actually XXXX accounts on XXXX card ) had been used to purchase {$3000.00} worth of computers at a computer store XXXX ( using the XXXX account ), and {$3000.00} worth of perfume at a Macy 's XXXX ( using the Macy 's account ). We know nothing about these purchases ; our cards have been in our possession at all times, and we have n't been to the computer store XXXX or anywhere XXXX in a long time. 

We contacted XXXX about the computer purchases, and the problem was fixed very promptly. 

Not so with Macy 's. Macy 's has given us the run around for several months. Each call takes an hour or so ; each time, the person we speak to does not have the power to fix things, but they tell us that they will be talking to people who do. We asked several times for a fraud report to file with the company, not getting XXXX for a couple of months. When we finally got it, we filed it, and nothing happened. We are now mailed new, blank fraud reports to file from time-to-time. 
I also filed a report with customer service on Macy 's website. Almost two months later, someone contacted me, telling me that they could n't actually do anything, but that they would monitor my situation, and that I should again file the fraud report that I had already filed, which I did. I finally got someone who called me back and gave me a name, badge number and telephone extension. Unfortunately, his phone number is a general purpose credit number that puts you on hold for extended periods ( I am on hold for 44 minutes as I write this ). About 10 days ago, he left a message to say that we would be getting a letter telling us that our problem had been fixed. 
We did n't get such a letter. Instead, we got a letter from Macy 's telling us to make a minimum payment for an account that has a number that I do n't recognize. As we have n't spent any money in Macy 's or used our Macy 's credit account in months, there could n't be any minimum payment due from us, even if this WAS an account of ours, which it is n't. ( In fact, Macy 's owes us money because we made minimum payments on the amount that we did n't owe, just to avoid any kind of collection effort from these incompetents. ) This has proven a complete nightmare.

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 2016-06-22 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I signed up for a Citibank Gold Checking account in XXXX 2015 with a promotional code. The promotion was to receive XXXX ThankYou points after making two monthly bill payments. I met all the requirements and starting paying the monthly ( {$30.00} ) account fee. I have not received any points. I have contacted CitiBank about this twice and they keep giving the same response " Unfortunately, there was not ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. While Citi does offer ThankYou ( R ) Points promotions at times, those offers are only available to the individual to whom the offer was addressed. We understand this is not the resolution you had anticipated. '' This statement is incorrect as the promotional code was a public code and my husband had successfully been through the process a month earlier and received his points. I would not have signed up for the bank account if I had not had the incentive of receive the points to offset the high monthly account fee.

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 2016-09-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Pendrick Capital Partners Holding, LLC
State: OH

Complaint narrative:
I found this debt collector on my credit reports through a credit monitoring service I recently signed up for. They just reported an account in the amount of {$52.00} in XX/XX/2016 as well as an older account, neither of which I have received any information about or had any prior knowledge of. The new reporting is particularly a problem due to the fact that I disputed the older one through the bureau in XX/XX/2016 and then this new one pops up on my report as well, even though they presumably had means/info to contact me especially about any new debt to come up after a dispute for an old one, but failed to do so. The first I 'm hearing of this is when I see it on my credit report. I do not know what it is, nor has it been validated for me nor have I been given the chance to request validation. If they would have contacted me the right way, they would have been paid, thus keeping it off my credit report. The CR says open date of XX/XX/2016 and report date of XX/XX/2016, so when between that time have they bothered to contact me? Seems like they just started reporting quickly in hopes that I would discover it and be shocked into paying it versus going about it the right way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
had a late payment XXXX months ago with my mortgage company citimortgage,XXXX months after my wife filed a bankrupcy repayment plan for the payment and ever since then, they 've been reporting me XXXX days late to my credit agencies, after XXXX calls and a credit union dispute, nothing has changed, they are still reporting me XXXX days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Citi financial called my home when I was n't there. Upon returning home, my boyfriend told me that Citi financial called to collect on a debt from Home Depot that had not been paid in 2 months, the amount missed, and the amount needed to pay to bring the account current. This account was personal. He did not know about the account and I did not want him to know about the account. I feel like they violated my privacy by sharing my personal information with someone other than myself.

Company response to consumer: Closed with explanation