vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-02 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I 've recently encountered fraud on my Citi Costco Visa card, and Citi 's representatives have given me mixed and false information about my rights as a consumer. According to Citi 's agents and a manager of the credit card company 's Early Fraud Detection department, I must pay for the amounts that were fraudulently charged to my account while the company investigates the matter. This contradicts every other bank 's practice and even Citi 's own zero liability claims for this card. It 's a deceptive practice and clearly takes advantage of the card member. Citi 's manager over the phone even threatened that if I do n't make the payments related to the fraud charges, the company will take me to collections, even while they 're investigating said charges.

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 2016-04-15 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have a XXXX XXXX XXXX. I was supposed to get ebills from XXXX XXXX - I never did get an ebill checked my bank account. I forgot about the bill until it showed up delinquent on my credit report. I drove to XXXX XXXX on XXXX/XXXX/16 and paid in person. Otherwise, I have perfect credit. Now i get daily calls from XXXX or XXXX claiming to be American Express. I called XXXX XXXX and they confirmed these are not calls from them and my account is clear. The first thing they ask me is my date of birth. I refused and asked why they are calling me and who they are collecting a debt for. The man on the other end just kept repeating that he needed my date of birth. I asked them to inform me in writing of their concerns. He just kept asking for my date of birth. I became irate and told them to stop calling and I was going to report them as scammers. Finally, He said ok we will stop calling you. Of course, I do not believe that! XXXX XXXX has agreed to take this off my credit report and told methey would issue a letter to my home address within 30 days.

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 2016-01-05 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I made returns on my Bloomingdale 's store account back on XX/XX/XXXX in the amount of {$1300.00}. That left my account with a credit balance of - {$1300.00}. I subsequently requested a check be sent to me for the remaining credit balance and it was. On XX/XX/XXXX I cashed this check and a stop payment was subsequently placed on it on XX/XX/XXXX, reflecting on XXXX. I contacted Bloomingdale 's who informed me that they mistakenly put the stop payment on and that they also closed my account citing that it was an Employee account. I was a former employee, but my account was transitioned to a normal account soon after I quit Bloomingdale 's XX/XX/XXXX. I was also charged a returned item fee for the stop payment by my bank in the amount of {$12.00}.

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 2016-08-27 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
A month ago we were vacationing in CA and purchased items at Macy 's in XXXX XXXX ; the sales clerk talked us into getting a credit card and said we 'd get a discount. We never got a bill and started getting calls a week ago that our bill was overdue ; we got another call yesterday and another one today. Each time I explained that we never got a bill and I do n't conduct that type business over the phone because of all the scams that circulate. Each time I asked them to send me a bill and they said they would. Today I reiterated that to the person on the phone, and he said then that the records showed that they had called yesterday, that they would send me a bill, but if I wanted to stop the phone calls I would have to pay him now. I said I would not pay unless I received a bill. The man I spoke to yesterday said the bill was being sent and that I did n't have to pay until I got the bill and would incur no interest charges. The man who called today said the phone calls would continue unless I paid him immediately even though I had n't received the bill. This appears to be harassment to collect a bill for which I have not received a bill statement, and I have not received the credit card.

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 2015-10-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I was contacted by Macy 's Fraud department XX/XX/XXXX about unauthorized charges. I confirmed that the charges were indeed unauthorized, and the Macy 's person said that a new card would be issued and that the charges removed. A new card was issued, but I continued to get billed for the fraudulent charges. When the statement came XX/XX/XXXX, I again contacted Macy 's, explained that they were fraudulent and that the Fraud department should have taken care of it. The customer service rep. said he would forward the information to the Fraud department ( they were closed apparently ). In XX/XX/XXXX, I again got a statement as well as calls, and on XXXX XXXX, again called Macy 's and was eventually routed to the Fraud Dept. The woman again took all the information, confirmed that the charges should have been removed in XX/XX/XXXX, but that now Macy 's had reported me to the credit bureau. She started an official fraud claim. On XXXX XXXX, I received a Statement of Fraud to complete, and I completed and faxed back to Macy 's on XXXX XXXX. I have proof that fax was received by their machine on XXXX XXXX. One month later, after getting another statement, I contacted the Fraud department again. I believe it was XXXX XXXX. The Fraud rep. said that I would continue getting billed until the claim was completed but that that it should be soon. On XXXX XXXX, a message was left on my home phone from Macy 's. I called the number thinking it was the Fraud dept. calling to say they had completed my fraud claim. However, after going through XXXX regular customer service reps. and waiting on hold for 1 hour and XXXX minutes, I finally was put through to a Fraud rep. She was rude, insisted that the Statement of Fraud did not get put in until XXXX XXXX and therefore it was n't yet 30 days. I explained that I have confirmation that they received my fax on XXXX XXXX and that I have verification of it. Then she changed the excuse and said that they were going through a conversion and that it would take XXXX more weeks. So, 5 months, hours spent on the phone, and Macy 's still have n't corrected an issue they knew about in XX/XX/XXXX and neglected to resolve and also is hurting my good credit as a consequence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
A joint best buy account in 2009 was closed and charged off. It currently says open and in collections. This debt was settled.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have a credit card account with Best Buy and their processing issue caused my payment to show up as late even though I provided proof that I sent the automatic payment within the needed time frame just as I had for the previous year. They have added negative items to my credit report due to their error and I would like them removed. I feel that their business practices made it so that my payment would show as late and they could collect a late fee they were not entitled too.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I opened a sears card last month while in a Sears store shopping because by opening the card I could get a percentage off my purchase. I called Sears two weeks later to find out how I could pay off the card. They would not give me any information unless they could verify my ssn. I explained that I do n't use my ssn for verification. I asked them if they could verify something else. They said no. I went into a Sears store to pay my card off about a week later. I called two days later and requested to cancel my card. They would not continue the call with me unless I verified my ssn. I said I am not asking you for information on the account I just want to close it. I was transferred to fraud who took me through verification. I asked how do I close my card and she said we need your ssn first. I asked her if there was another way to close the account she said no. I refused to give her my ssn just to close the account. The call escalated and she hung up on me. I believe the ignorant lady 's name was XXXX. If I would have known that the ssn was a prerequisite for getting any business done on this card I never would have opened it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-08 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
I sent up a renat a car through XXXX for XXXX. There was no cancellation penalty. They did not take my credit card. 
The XXXX folks at the desk wanted a bait and switch. At first I signed up, then rented for the original rate from XXXX and returned the papers and the keys to XXXX. 
They said that they would cancel the transaction. 

When my bill came, XXXX charged me for renting on XXXX XXXX ( when I was in XXXX ) & gt ; Citi claimed that they look into my complaint, but XXXX lied and said I booked through XXXX, The XXXX form did not have my credit card, nor my phone numbers, nor email address. Even though I showed Citi the XXXX screen shots Citi refused to consider my claim -- saying that they could process computer images which is nonsense since they used the screen shots form XXXX. I just want my money back from XXXX for a car that I never rented, on a day that I was not in XXXX!! 

Thanks

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 2016-12-17 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Using a Macy 's credit card issued by XXXX XXXX, I purchased on XXXX XXXX, 2016 men 's socks for a total of {$21.00}. A statement for that amount was mailed to me, which I should have paid on XXXX XXXX, 2016. Since I was overseas until XXXX XXXX, 2016, I failed to make that payment, as well as the payment for {$43.00} which a subsequent statement required I make by XXXX XXXX, 2016. I paid {$21.00} on XXXX XXXX, 2016 after seeing the initial statement in that amount, and a further {$61.00} on XXXX XXXX, 2016, after seeing the second statement. I immediately asked Macy's/XXXX to close my credit card amount. Nonetheless, I received yesterday upon my return from another trip, yet another statement which required me to pay a fee of {$1.00} by XXXX XXXX, 2016. Upon calling Macy's/XXXX on XXXX XXXX, 2016, they said they would waive the balance on the closed account ( {$2.00}, for another fee of {$1.00} had been already added ), but when I requested that they send me a statement showing a XXXX balance on the account they said they would not do it unless I paid them to issue it. I believe that for my own and others ' protection I had to bring this predatory behavior to your attention.

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 2016-01-25 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Best Buy Credit Services offers several limited time 0 % interest offers. We have used several of these offers but it seems that, because we tend to carry a non 0 % interest offer as well, no matter how much we apply over our minimum monthly payment, none of the funds pay down the 0 % interest balance so that we eliminate that balance before the expiration date. We then end up paying interest on the accrued interest as it is added to our principal balance. There is nothing on the statement that discloses how to pay down those balances. 
This month we made a significant payment to the card to payoff an existing 0 % interest balance before the expiration but none of the funds were actually applied to that 0 % interest balance. We contacted Best Buy Credit Services to inquire and were told that " No, the information is not on the statement '' and that we would have to contact them to let them know how we wanted to apply any funds over the minimum payment. I feel like this is an unfair practice and, had we been informed of how to pay down that 0 % interest balance, or that there were options for payment plans, we would have saved ourselves money in the excessive interest that we are now paying on those accrued interest balances that applied to the 0 % interest promotions. Best Buy Credit Services needs to revise their disclosures in order to advise customers of their payment options for 0 % interest balances so that those balance are less likely to result in negatively amortizing balances and excessive interest charges.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Home Depot said it was my fault for not paying a bill in in XXXX 2015. I was reported 30 days late to my Credit Bureau for this issue. My account was paid in full for a long period of time and the account had no activity. Therefore, I did not receive paper statements. I had a credit on file for an overpayment that was used and it went four or six dollars pass the credit that caused for a payment to be made. The balance on the account was six dollars and XXXX with a credit limit of {$3500.00}. Home depot reported me as late because I did not make the {$6.00} payment. I received no Bill. Later on they dropped my credit limit to 3,200.00. I called in to dispute with Home Depot and XXXX credit reporting. Home Depot female representative was not helpful. I asked to speak to a supervisor and he said it was my fault and error and not theirs. The business practice of Home Depot with this consumer who has always paid the bill and never late with big or small ticket items is deplorable! I was not treated fairly and felt rejected as XXXX of their customers. I was amicable on the phone and the people infuriated me regarding this subject matter which left a bad taste in my mouth about their business.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called to cancel my Citi Forward credit card XX/XX/XXXX, having submitted a XXXX XXXX XXXX payment to pay the account balance. I spoke to a customer service rep who confirmed cancellation of the account. 

I was so certain that my account had been canceled that I then proceeded to cut up my credit card ( having closed the account ). I did not hear about any issues from Citibank whatsoever. I did not receive emails saying there were any issues. 

Two months later, I get a few robocalls and see my credit score has dropped dramatically, because there is this phantom account that I thought I had closed. It turns out it was open and the bank payment had n't gone through. I had not been told this and thought it had already been paid and closed. 

Citi is looking for the record of my calling. As of today ( XX/XX/2017 ), the day I discovered this account, I paid the delinquent amount but there is still a mark on my record. I have had 10-12 years of spotless credit history and this is the single payment that is past due. 

I spoke on the phone today and spent 2 hours on the phone with XXXX and XXXX ( presumably Citi will see record of our conversation ). They could not do anything to remove the delinquent record. 

This is fraudulent. Keeping someone 's account open when they thought it was closed is a huge cause for concern and brings to question the fraudulent practices recently at XXXX XXXX. Is Citi operating in the same vein? I will not hesitate to pursue this further.

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 2015-04-03 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Macys credit card system application takes them a whole day to fix a problem, they do not give the right information to customers to the point that you dont know what to believe anymore. It is frustrating to wait and wait to get answers that only leaves you with more questions and upset. Im really disappointed at the customer service im receiving every time i call i feel like im making an out of distance call. I cant deal with the wait and non solution situation anymore.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I addressed fraudulent activity on my account with Citibank, XXXX XXXX. Sent an affidavit to their location in XXXX Texas. Sixty ( 60 ) days later received a Return to Sender in the mail. 
There is no location or new mailing address noted. Please investigate as I do not feel an adequate and full investigation was performed of my concerns, ie., misbilling, unauthorized use.

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 2016-07-09 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
My Macy 's American Express Credit card has been overcharging me for a cash advance since 2009. I have never received a statement of my balance for the cash advance and none of the payments I sent to Macys were ever applied to my balance. Now I just find out I am being charged a revolving charge for a cash advance that can only be paid only if I pay the entire balance. My total balance is {$6500.00}, of which apx. {$1000.00} is for a cash advance. Macys told me I can not pay separately for my cash advance but I am being charged an extra {$20.00} each month. This is gauging, fraud, double-dipping and plain whole stealing. Macys does not give the consumer a chance to pay their cash advance. When are the deceptive practices going to stop? Please have Macys remove this charged for the cash advance from my account, I would like a ledger of the daily interest charges for the cash advance and balance since 2009. Going forward, I need a monthly account of the cash balance if Macys refuses to remove the charge. I would like greater transparency for the consumer to let them know exactly the policy of the cash advance. I will not let this go, credit card companies are making people debt slaves and the government is condoning this behavior.

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: Payoff process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I paid off my credit card on the XXXX of XXXX, I paid in full, and now I 'm getting a bill from the credit card company for finance chargers for the month of XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XXXX XXXX, 2016 I mistakenly made a payment of {$1300.00} to a closed Citi card ending in XXXX. I have called and requested a refund a number of times. Each time I call I am told something different. I have been told that my checking account was refunded on XXXX XXXX, 2016, XXXX XXXX, 2016, and XXXX XXXX, 2016. None of this is true. When I call ( at least 15 or 20 times ) I am told someone who can help me will call back in 24 to 72 hours, I have only received on call back on Sunday XXXX XXXX, 2016 from XXXX on team XXXX at ( XXXX ) XXXX. We talked about the lack of my refund, she said she would call my bank and get back to me in 24 to 48 hours. She has not gotten back to me in 8 days. I have called the ( XXXX ) XXXX number back twice and left messages, no returned calls.

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