vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-04 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a XXXX Credit Card that I use once, maybe twice a year. I recently learned that although I had paid my account balance in full after my last purchase, I had several late charges on my account and my account was past due. 

The reason for my delinquent account was that, without any notification, XXXX had been charging me a monthly " minimum interest charge '' of {$2.00} ( their defacto interest charge on a XXXX balance ). Each month I was not aware of this {$2.00} balance, they were charging me an additional {$27.00} late fee on top of the {$2.00} balance. My account is now 3 months past due and I 'm afraid that this nonsense will negatively impact my credit score. 

To me, this is an extremely devious trick and practices like these should result in a company being fined or punished. The entire concept of an " interest rate '' is dependent on a principle balance. Without a principle, THERE 'S NO INTEREST! Completely unacceptable business practice. 

Thank you for taking the time to read my complaint. 

XXXX XXXX XXXX XXXXXXXXXXXX

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 2015-06-16 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have XXXX credit cards with home depot. I normally pay my bills in full each month. Last month, I missed paying the bill on XXXX of the cards. When I recieved my new statement and noted my error, I also noted the bill was now not due until XXXX and the late payment fee was XXXX. Since XXXX XXXX I have recieved no less than XXXX phone calls from CITI wanting money. I have verbally advised them they are harrasing me and requested they stop. They have not. This is not accpeptable behavior for a credit card company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-02 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I am a CitiCard holder for twelve years. In twelve years I have never had a delinquency with them. On XXXX XXXX, 2016 I gave XXXX experienced some health issues. After coming home and getting settled in XXXX, I missed my Citicard payment. I called and called Citi to beg them to remove this one late marking off of my credit report. I spoke to account supervisors and asked that I speak to upper management, who they informed me are not accessible by phone. Given my hardship, I ask they please remove this XXXX mark and return my twelve year account to good status. 
Thank you

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 2016-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: BC SERVICES, INC.
State: CO

Complaint narrative:
None of the options above fit my complaint ( had to pick one ). BC Services debt collectors, used my name on a message to get me to call them, and then when I called the representative asked about a debt for some one else, who I do not know! When the representative looked at some info. after I confirmed my phone number, she said there is some information about you. I said what info. and she said I need your DOB. I said I would not give her any more info., as her company called me. 

She said, then we will send this in the mail. I said what info. are you talking about. She said, I need your DOB in order to give that info. to you. Again, I said you called me. Conversation ended, and to say the least, the tactics and practice used by this debt collector is not acceptable. 

Do n't use my name and then make it sound like you have some dirt on me in order to get me to give you more information!!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XX/XX/2016 as I was checking out at the Home Depot Garden Center in XXXX, TX, the cashier said I could get a {$25.00} discount on my {$56.00} dollar purchase by applying for a credit card. I ask how long the application would take and she said less than five minutes. I said okay. 
The cashier fill in the application. I answer every question correctly. 
I have never received a bill. 
Based on a credit report of my account not long after, I believe Home Depot foolishly and/or negligently assigned my account to Citi Card Services. I have never received any mail from Citi. 
I believe whoever set up this application process ignorantly and/or negligently did so thinking everyone gets mail delivered to their street address. I am presently at my XXXX address where I do not receive home mail delivery. If any bills were foolishly sent to my home address, naturally I did not received them. 
In the last month I have received repeated phone calls from the same lady with a foreign accent about this bill. I have repeatedly told her that the bill must be sent to my post office address. Still no bill. 
I am enclosing my check for {$31.00} for the amount I owe Home Depot but was never billed. I am clever enough to go on line to get a mailing address. Interesting that XXXX major cororations like Citi and Home Depot can not get mailing addresses. 
Naturally, if I still have any credit card account opened, I want it closed.

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 2017-01-24 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home Depot somehow was able to run my credit and get a credit card for me even though they misspelled my name. That is incredibly scary. I called and cancelled the card, but how is it possible for credit to run if they do n't have the correct 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 2015-07-15 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I purchased an item from Home Depot interest-free fro six months. XXXX, XXXX, told me that there would not be any interest for six months. Butas I was making payments, they added interest, back dating the initialdate of purchase. Now without resolving this problem, they have inflatedthe amount by adding interests, which is not proper at all. Additionallythey cut down my credit line to the amount owed to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XXXX XXXX I logged on to the Citi website ( citicards.com ) and saw an offer for the XXXX XXXX card stating new cards would earn a reward of XXXX aadvantage miles for {$0.00} spend. This was way better than the typical offer for the card so I applied. On the application page the offer was again stated as XXXX aadvantage miles for {$0.00} spend after opening the card. I would not have signed up for the card if that was not offered. 

I was subsequently approved for the card, and upon receipt of the new card, it came with an offer letter stating that I would only receive the XXXX miles after I spent {$5000.00} on the card within the first three months of opening the account. 

I have contacted Citi numerous times. On XXXX XXXX I faxed them copies of screen captures of the Citi website clearly stating the offer, and have received nothing but misdirection and stalling with no confirmation that they are working to fix the issue. 

All I want is for Citi to honor the offer that was publicly displayed on their website.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I have a Macys American Express card. In XXXX XXXX, I noticed that there were XXXX charges listed on statement that were fraudulent charges ( XXXX purchases from XXXX store that were shipped to XXXX, but I live XXXX ). I called Macys immediately and was told to file a " Statement of Fraud '' and send to the Fraud Investigation Department. I filled this paperwork out and faxed to Macys on XXXX/XXXX/XXXX. I followed up and was told that paperwork was received and my credit card would be cancelled. I specifically told Macys in my phone call and on the letter that was faxed with the fraud report that I did not want another card and wanted this current credit card cancelled immediately. I thought all was taken care of, but continued to receive a statement from Macys showing the fraudulent charge as outstanding, however, there was no interest or minimum payment due, so I figured that eventually the balance would be taken off since was fraudulent. 
I called Macys on a number of occasions to ask why I kept receiving this statement with an outstanding balance, and they assured me that the card had been closed out and the balance would be taken off. In XXXX XXXX, the statement started to show a minimum payment due - as if I was supposed to start making payments on the fraudulent balance! I called the Macys ' fraud department on XXXX separate occasions after receiving this statement and was put on hold and eventually disconnected. I could not reach anybody at the credit company. On XXXX XXXX, XXXX, I drove to Macys at XXXX XXXX XXXX to speak with a manager. The manager took me in a room and place a phone call to the credit department and handed me the phone to speak with the person on the phone. 
The manager left and I never saw her again. In the meantime, I was place on hold and eventually spoke with a lady named XXXX # XXXX who indicated that she was in the XXXX location. I explained to XXXX my problem, and she put me on hold for XXXX minutes. Eventually she got back on the phone and told me that I would be receiving a letter stating that my account had been cleared. It is XXXX XXXX, XXXX, and I have not received this letter, however, I just received a statement from Macys American Express with a NEW credit card account and the balance from the card that had fraud has been transferred to the NEW Account! The NEW account is showing that I have a past due amount. I never gave Macy 's permission to open a new credit card in my name and I specifically told them in telephone conversations that I did not want a new account and I wanted the old account closed immediately. I have been on some forums and realize that there are many people who have had this problem with Macys credit, and I am concerned that my credit score will be affected.

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 2015-06-29 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I have a credit card through best buy with citi bank. I am setup on their website with auto pay as I am with all of my bills which I pay online. XXXX 2015 I changed banks and I updated all of my online accounts including citi bank 's. I received a phone call earlier this month stating that I was past due on my best buy account through citi bank. I explained to the customer service that this could not be possible as I am set up with auto pay. The agent explained the auto pay must not have been working properly and it might not have saved my updated banking information online when i added it. I was penalized and hit with late fee 's and it was also reported to all XXXX credit bureaus. I spoke with the bank and they apologized for the inconvenience and reversed the late fees. However I wanted them to correct the negative mark on my credit reports. In my XXXX of having this credit card I have never been late. I am very disappointed that I was not contacted and advised sooner about the auto pay not being processed. Instead the bank contacted me way after the fact and reported a late payment which was not my fault. Citi bank 's website is known to not work properly and I feel the consumer should not be punished for it. This mark will stay on my report for XXXX yrs because of a system issue.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Because of a balance transfer of 0 % APR to my Citibank credit card account, they are charging me interest on regular purchases that are paid off by the due date. My credit card agreement states that there is a grace period for purchases when they are paid by the due date. I pay my purchases in full for each statement. They are saying because of the balance transfer, that they can now charge interest on purchases on the day that they post. I think this is unfair and very misleading to the consumer.

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 2015-12-15 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have had a credit card with citicards about a year In XXXX 2015 a XXXX charge appeared on my statement. I had already been billed by XXXX under auto payment but this was for a different amount of {$100.00}. I disputed the charge and started the lengthy process to get it removed. The next two months the same type of bogus charge but for a different amount appeared. It took months to try to resolve it but citi finally acknowledged it was their error and the charges were dropped. I was so fed up with their handling of the matter that I quit using the card in XXXX and paid off the amount they said I owed. Unfortunately I had charged some slacks to my account that were not what I ordered and I had to dispute that charge. This charge for either {$63.00} or XXXX which varies from XXXX email to another. I am still disputing the charge and received a letter from XXXX in XXXX XXXX SD dated XXXX although I didnt get it until earlier this month. The letter stated that a correction would appear on my statement within XXXX billing period and they had corrected my account for any interest charges and fees. They added late fees to my account and they are still on the account, increasing my supposed amount due to about {$150.00}. I have had a succession of disputed charges from citi, XXXX are now resolved with removal from my account. This most recent one goes on and on. They have now gone so far as to list the charge in my credit report which has lowered my credit score from XXXX to between XXXX to XXXX. I would like to have this account cleared and my credit score back to where it should be. Thanks for your assistance.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have had a Macy 's credit card account for a few years now. Upon moving from XXXX, my wife and I decided to open a joint account when buying some furniture in order to get a sign-up discount. 

Sometime in XXXX, Macy 's " upgraded '' their website, and the fact that I had multiple accounts linked to my name caused many issues with accessing my account. This included seeing my bill, in particular. In XXXX XXXX or XXXX XXXX, I bought some clothes on the individual account totaling XXXX or XXXX dollars. I was unable to log in and pay this amount off immediately ( what I normally do ) and ended up forgetting about it. It seems that Macy 's had an old address on file ( and either no email or they did n't try that method ), so I received no contact from them. 

I ended up learning that I owed this money when, in XXXX, XXXX XXXX notified me that my credit score had plummeted. That day, I investigated, and paid off the balance that I owed Macy 's. I believed that they were going to remove this information from my credit report ( in addition to marking the account as current ) since this was a one-time fluke in a long series of on-time payments. 

The other week, my wife and I went to apply for a mortgage and were denied because this information seems to still be showing up on my credit report. I have called Macy 's, but they refuse to work with me, claiming that the issue was resolved on the day that I paid off the balance and closed the account. 

To be clear, I accept that I was irresponsible by forgetting about this debt and allowing it to become delinquent. However, I certainly think that Macy 's could have made a more serious effort to contact me once I was in the grace period. In fact, the mortgage agent, remarked that, through the years, Macy 's has become known to him for causing so many similar problems on other mortgage applications. 

Ideally, the CFPB would be able to help me get this information removed from my credit report. I have considered hiring an attorney but am worried that my case will be very difficult to prove. ( For example, how can I prove that I never received any physical mail or that I could n't successfully log in? ) Thank you for your consideration.

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 2016-05-22 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
1. Citi bank miscalculate interest charge. 
2. They did not call on any law regulation only to avoid audit. 
3. I did try several times to solve this problem in direct contact. They respond very clever, general answer without any exact proof or support. 
They apply deferral interest to the current balance and after that calculate minimum payment. 
With this method Citi bank on very clever way count interest on interest. 
Deferral interest has to be recorded and calculate separate not to be add to current balance until the end of deferral period and after that add to current balance.

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 2015-06-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a letter from Citi BANK on XXXX/XXXX/14 its stated that they would not refund my money on the circumstances that services were rendered but the initial complaint was not that they did not provide service but the service was provided did not do as they promised, please ask the bank to provide me with documentation of every attempt at resolving this issue with the merchant on my behalf. I am very upset and irate & I need this to be taken cared of ASAP.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
recently i file a complain best buy citi credit card about the unreasonal interest charge but they give me back the answer is ridiculous they say if two month in the row i pay it full amount i do n't need to pay interest the question is XX/XX/XXXX and XX/XX/XXXX i pay full amount in statement balance but i still need to pay interest on what they say billing cycle that is unacceptable answer they can say whatever they want and do whatever they want to ripe the customer off and how they count billing cycle this is only credit card cheating me and what mean by statment balanceso if like that they do n't need to sent people statment just keep saying that statment balance is nothing billing cycle is right

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 2016-08-27 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi AAdvantage sent me a letter stating they " need more information to process your application '' for a Citi/AAdvantage Platinum XXXX XXXX XXXX account. They said " we are reviewing your application '' and then ask that I call them to verify my SSN. I did not apply for a Citi/AAdvantage credit card and believe they are making fraudulent statements, fishing for my business. I called to report that I did not apply and they asked for my personal information - name, SSN, birthdate - which I refused to provide. I gave them the application ID and they said they needed more personal information to help 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 non-monetary relief