vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-30 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Macy 's credit card continues to charge {$2.00} " interest charge '' even though I always pay my balance in full. This only started happening recently. 
I logged into my account today to find it past due, with a balance, despite the fact that I have not used the card in 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 2015-04-21 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: LA

Complaint narrative:
I entered into a settlement agreement with Sears by phone on my credit card account in the amount of {$1300.00} to be paid on or before XXXX/XXXX/2015 to settle my account. I received a written confirmation of our agreement by mail per my request ( attached ). I paid the agreed upon amount {$1300.00} in full by phone on XXXX/XXXX/2015 ( well before the due date ) and was told that I could call and request a zero balance letter after 15 days. 
I received a XXXX statement from Sears showing my XXXX/XXXX/2015 payment by phone, but still charging me the remaining balance on the account and interest charges as if the account was not settled. I called and requested a zero balance letter, but have never received XXXX. Next, I received an XXXX statement from Sears showing yet again that I have a balance, a late fee, and interest charges. I obtained a copy of my credit report from XXXX, and it shows that my Sears account is closed but not settled, and it also shows that Sears is continuing to report negative credit information about me to the bureaus. I have n't received a copy of my XXXX statement yet, but it again shows a balance due, more interest charges, and another late fee. 
Sears is in direct violation of the settlement agreement by, 1. ) Not settling the account and applying my settlement payment to the account as a regular monthly credit card payment, and 2. ) By charging me interest and late fees to my account during a settlement in direct violation of the written agreement.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-03 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
On XXXX XXXX, XXXX, my wallet was stolen containing credit cards and my Macys American Express card. I notified all my card carriers including Macys Customer Service of the stolen card on XXXX XXXX after my purse was stolen. XX/XX/XXXX, statement with fraudulent charges of {$410.00} and responded with a letter dated XXXX XXXX, XXXX disputing the charges. Since I sent the letter of dispute, the fraudulent charges have not been removed from my account and I have no explanation of when they will be reversed. Numerous times I have called Customer Service to ask for an explanation and been transferred by a customer service agent many times to various phone numbers seeking someone to explain the situation to me. The phone numbers I have been given are XXXX, XXXX, XXXX, XXXX, XXXX. Please assist me in removing these fraudulent charges from my account. 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 monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2010 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 non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I contacted Citibank on various occasions asking them to verify the debt they claim I owe and disputing the amount due. I also asked that they honor the repayment plan they made with me but they closed the account before I was able to send a payment. I wrote to them on all these occasions and received no response back, ever. In fact, several months passed and still no replies. I advised my credit bureau of these efforts and they refused to remove it from my credit report even though I provided them with records ( registers/certified mail ) and copies of the communications. Only then did Citibank respond to the letter.

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 2015-11-11 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
I was offered a {$100.00} statement credit on a plane ticket from XXXX XXXX if I applied for, obtained, and used their frequent flyer card from Citi Cards. I applied for the card and was approved, but was not provided with the opportunity to pay for the ticket with the card. I called Citi Cards for help, but was informed that I could not use the card to purchase the ticket until I received the card in the mail. This was not the offer that was displayed on the XXXX XXXX payment page -- it clearly showed a {$100.00} statement credit on the fare that I was purchasing. Waiting for the arrival of the card in the mail would result in me losing the selected fare. Citi customer service blamed it on the encryption ability of my browser, but I learned after the call that the browser I use -- XXXX -- matches the encryption security of the server to which it connects, meaning that the security issue is on Citi 's side, not mine. The Citi representative reported that she gets XXXX calls like this a day, suggesting that the problem again is on Citi 's side, not the consumers. 
In short, Citi and XXXX made an offer, which I accepted by applying for the credit card and taking a " hard pull '' on my credit report. Citi and XXXX then refused to honor their offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I purchased a home from CitiMortgage through XXXX XXXX XX/XX/XXXX. Unbenowst to me, the person that rysar had me working with to get a loan from citimortgage had been recently released from federal prison XX/XX/XXXX. I worked with him, one on one in XX/XX/XXXX. CitiMortgage is forcing me into foreclosure so that I can go away and not file a lawsuit against them. I have found out that the deed had not been in my name for over 8 years, there was a {$60000.00}, XX/XX/XXXX lien on the home that was just recently cleared up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I have a Macy 's XXXX XXXX Card - XXXX ( XXXX ) fraudulent charges were made on the XXXX XXXX portion on XXXX/XXXX/15 for XXXX products for {$52.00} each - a total of {$210.00}. I have never used the XXXX XXXX in the entire history I have used this card. I do n't use the Macy 's card that often and did n't notice the fraudulent charges until a made a small purchase at Macy 's at the beginning of XXXX. I immediately contacted the Fraud Department on XXXX XXXX and was told they would be sending a Statement of Fraud form that I needed to fill out. I never received the form so I contacted them on XXXX. I finally received the form and immediately mailed and faxed a copy on XXXX. I received a confirmation receipt that it was sent. I contacted them on XXXX and they said they would expedite the case. On XXXX, I called again and they said they did n't receive the information. I faxed the information again on that day and the following week on XXXX. I got confirmation receipts for both days. On XXXX, I activated a new card but when I tried to make a purchase in Macy 's on XXXX it was denied. I was told I would have no issues using the card when I activated it. I immediately called the Fraud Dept. that same day and they said it was denied becaue of pending unpaid charges. In the meantime, my card is accumulating late fees and interest on those fraudulent charges made way back in XXXX. I am afraid this is going to affect my credit. I have an excellent credit history and always pay my bills on time! I called today, XXXX and they notified me that my case is still under investigation. It 's 2 months already and they are unable to give me any good reason as to why it 's taking so long. I really need help in getting this resolved.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-01 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
This company, XXXX XXXX XXXX XXXX, is charging me an exorbitant amount of interest on my latest bill. They claim I sent my payment of {$25.00} late in XXXX on the XXXX. However I have the bank statement that shows I sent it on the XXXX, which was before the due date. In XXXX, they did not send me a bill in the mail for some reason. So, I did n't send in a payment since I thought I was caught up. Now, in XXXX, they send me this bill that shows all these late fees and that I now owe {$120.00} by XXXX/XXXX/15. This company attempted something similar in the past against me, and I believe they purposely did not send me a bill in XXXX, then they blame me for not sending a payment, in order to extort more fees out of me. I have to assume I do n't owe anything at a given time if no bill comes in the mail. Had they sent me a bill in XXXX, then this situation could have easily been avoided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My identity was stolen. False Macys purchase was resolved with Macys. The account has been closed. I get daily robocalls from a company claiming to be Citibank regarding the Macys account. Phone numbers are XXXX and 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 2016-12-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I opened a Macy 's XXXX credit card roughly XXXX years ago, for which I had a physical credit card issued. In the last XXXX months Macy 's created a separate " store credit '' account under my name separate from my XXXX account ( no physical card, no notification of creation ). This " store credit '' account only tracks purchases made online at Macys.com or through store purchases, both made using the XXXX card. All other purchases made using the XXXX outside of Macy 's are charged to the XXXX card. In XX/XX/2016 I fought a late fee on the " store credit '' account and signed up for autopay, and was reimbursed the late fee and paid the remaining balance in full. Subsequently I was charged interest on the {$0.00} balance, supposedly because it was a delinquent payment ( even though the late fee was waived and a customer service rep submitted the payment ), though I was not notified that the {$0.00} balance would carry a fee. I received notification in XX/XX/2016 that my account was yet again past due, this time with a {$31.00} late fee attached, along with an additional {$4.00} in interest on the previous {$0.00} balance. Apparently the autopay was not set up. I called to have the late fee removed and set up autopay. The late fee was removed but will likely hit my credit report as a delinquent payment. I have not missed a payment in XXXX years and was a few days late on XXXX payment in setting up autopay. 

Macy 's has XXXX XXXX ) set up a secondary credit account without my knowledge or notification for store purchases only, ( XXXX ) charged me interest and late fees on interest for carrying a {$0.00} balance, and ( XXXX ) charged a late fee of {$31.00} without sending a statement.

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

Complaint narrative:
I have disputed a credit card charge twice with Citi and included their corporate office in the rebuttal to the first decision for merchandise that was ordered and paid for but not received. The details are included in the attachement.

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 2016-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
To whom it may concern, I '' m filing this complaint against a CitiMortgage, in the hopes that you will assist us in resolving this matter. I have been in the process of selling my home for the last two months and on XXXX XXXX I spoke to XXXX, in customer service, and requested that ALL Electronic Fund Transfers of my mortgage payment be suspended. XXXX confirmed that there would be NO DEDUCTION for XXXX or XXXX. 

On or about XXXX XXXX, Citibank, did deduct the {$1600.00} per month mortgage payment. I spoke with XXXX on XXXX XXXX about this and was told that the funds would be replaced and that once again XXXX EFT payment will be suspended. 

This morning, I was notified by CitiMortgage, that my XXXX mortgage payment was taken again and that I have overdrafted my account. 

Not only is this causing serious financial issues with me, but it 's also causing a tremendous amount of XXXX. I 'm asking for your assistance here in dealing with this matter once and for all. Please contact me at your earliest convenience -

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 2016-07-07 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: GA

Complaint narrative:
I have asked for validation and verification on several occasions and these individuals have not been able to validate and verify pursuant to 15USC1692g, and 15USC1681. This DEBT COLLECTOR XXXX or any of their constituents have not been able to give me anything that substantiates information I have asked for. So this DEBT has sufficiently been disputed. 
This DEBT COLLECTOR XXXX has sent dunning letters saying I owe them money because they obtained information from another individual. These individuals have put entries into my personal credit reports and they have been successfully disputed but they still show up as my account. I did not give them my private non-public information so I do not appreciate this being sold to this CORPORATION according to the FDCPA accounts ca n't be sold. This is IDENTITY THEFT PURSUANT TO 16CFR603.2. They do not have the authority to go into my credit report and put in anything that is why they must stop this non-sense. I have asked these DEBT COLLECTORS to CEASE AND DESIST contacting me but they continue to do so. 
They have harmed my consumer purchasing power which is the natural person pursuant to the ( FDCPA ) Fair Debt Collection Practices Act 15USC1692c, d, e, f, g, and j respectively. I am not in COMMERCE where the Person is buying from one CORPORATION TO ANOTHER for BUSINESS with another CORPORATION. 
I have contacted this DEBT COLLECTOR on several occasions and they continue to contact me with their blatant attacks on my character, and i am feeling ashamed, embarrassed, abused and I do not sleep much because of my Credit Report being torn apart just because I want to secure things for my personal, family or household use.. I did not give my permission for this DEBT COLLECTOR XXXX., to contact me pursuant to 15USC1692c. I never asked this DEBT COLLECTOR XXXX to open up any account in my name with my Social Security Number or any of that. This Debt Collector needs to Cease and Desist Collecting on something that I do not owe them. 
This Debt Collector continues to try to get me to contract with them. I did not agree to have my information shared with this DEBT COLLECTOR XXXX this is aiding and abetting with another to commit fraud on the Consumer who is a natural person is a crime. 
THIS DEBT COLLECTION AGENCY XXXX DID SHARE THIS INFORMATION WITH ALL XXXX CREDIT REPORTING AGENCIES. 
Because I did not contract with this DEBT COLLECTOR PLEASE DELETE THIS ERRONEOUS, INACCURATE INFORMATION OUT OF MY CREDIT REPORT. A DEBT COLLECTOR CA N'T PUT INFORMATION IN A CREDIT REPORT UNLESS THE CONSUMER HAS CONTRACTED WITH THEM WHICH I DID NOT DO. 

This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
I currently verify the XXXX XXXX app to monitor changes in my score. Last week, I noticed there was a new account which I did not sign up for ( Sears/CBNA ). Since the amount charged was not major ( {$330.00} ), I waited to take action because I was working and also, my Uncle has been hospitalized since XXXX/XXXX/2017 ( today is XXXX/XXXX/2017 ) so I did n't have the time to investigate what to do in order to report this. Today, I finally had the time to report the situation so I logged in to XXXX XXXX to look up the lender that opened the fraudulent account but noticed that, once again, there was another fraudulent account ( Best Buy/CBNA ) but this time the amount is substantial and largely material ( {$2900.00} ). I will go to the authorities today to file a police complaint, but decided to report the identity theft online as soon as possible.

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 2016-08-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank closed my credit card account without warning or notification. They say its because I filed bankruptcy but I have told them several times I have NEVER filed bankruptcy in my life and it is a mistake. They said it would take XXXX5 business days to investigate. After 6 business days, I called and was advised to wait another XXXX5 business days. I use this account everyday and I travel frequently and this is causing a hardship. I want my account reinstated immediately due to Citibank 's error.

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 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
Upon opening a Citigold checking account with Citibank, I signed up for & confirmed enrollment in a XXXX XXXX XXXX promotion. The promotion would take up to 60 days to complete, and then another 90 days, maximum, to distribute the miles ( 150 days for both portions ). I signed up for the account on XXXX XXXX, 2016, so it has now been 174 days since I signed up for it. Now Citibank is saying it could be up to another 60 days to distribute the promotion, or may not even issue the promotion at all to me by retroactively deciding that I was not eligible, despite having previously confirmed my enrollment.

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 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My wife responded to a citibank offer for XXXX award points to her XXXX account if she opened a checking account and spent {$1000.00} dollars and made two consective bill pays withing 60 days and two months consecutively. We did this and have been rejected twice now for our rewards. See attached documentation.

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 2016-07-10 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
My XXXX credit card was closed on XXXX XXXX before I could pay the full balance due on XXXX XXXX. Its website states " The balance on your XXXX XXXX XXXX XXXX XXXX has been transferred to your new card account with Citibank. Citibank will communicate with you regarding your balance ( s ). You will not be required to pay your balance in full to XXXX XXXX as a result of the transfer of your card account to Citibank. XXXX However, Citi charged me an interest on XXXX XXXX, when I received the first bill. This is the FIRST time citi communicated with me regarding the remaining balance transferred from XXXX. I was never late on any payments, and this happened simply because of the transition, so Citi should grant a grace period and waive the interest change which they refused 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 monetary relief