vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-20 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FIDELITY CAPITAL HOLDINGS, INC
State: ID

Complaint narrative:
I contacted the credit collection company, Fidelity Creditors in XXXX CA and talked to " XXXX ", after I faxed and mailed them the Federal laws that state I am " Exempt " from levy's and garnishments and court orders under Title 38-Veterans Benefits Part IV Chapter 52 Special Provisions relating to benefits  section 5301 A,B,C,D, and they laugh at me and tell me the will get the money and that I am making it up, that I am not exempt and there is no such law(s) and they will ruin my credit until I pay. I told them to stop all collection procedures because they are ruining my credit for a non-collectible debt. They said, So what ". It will be on your credit until you pay and they do not honor made up laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had an XXXX MasterCard issued by Citibank since XXXX, XXXX. The card credits my XXXX XXXX mileage account with XXXX mile per dollar charged on the XXXX. Other than the charge for the credit card fee of {$95.00}, there was no other activity in the account for the year ended XXXX/XXXX/XXXX. That precipitated the removal of all the accumulated mileage on the XXXX XXXX account ( approximately XXXX miles ). 
The fact that I did renew the card last XXXX with a payment when it was due in XXXX should have been considered a valid charge to the account. On questioning the bank 's credit card department they told me it was not. I do not agree. It was activity in the account, period.

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 2017-01-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have a citibank checking account and recently traveled outside of the country, to XXXX. I used a Citibank ATM in XXXX to take out cash from my Citibank checking account. When I returned home, I discovered that Citibank charged me a foreign transaction fee of 3 % of the amount of my deposit even though I took out cash from an ATM from my own bank. When I called Citibank they told me that Citibank XXXX is actually a different bank that is " not affiliated '' with Citibank in America and refused to do anything about my foreign transaction fee. I find it ridiculous that they would claim not to be affiliated with a bank of the same exact name ( clearly the same bank ) and kindly request to get reimbursed my foreign transaction 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 2016-04-16 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Bloomingdale calls several times each day about a store account. I told them on numerous ocassions that I do not have an account with Bloomingdales and that that my mobile number is a new number and they must be looking for the previous owner of this number. They are relentless and continue to call 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 2016-04-22 00:00:00
Product: Credit card — 
Issue: Cash advance fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I bought XXXX XXXX 's gift cards from XXXX through XXXX using my Citi Double Cash card. When I was looking at my credit card statement on XXXX XXXX, I noticed a advanced transaction fee for {$13.00} and a minimum interest charge of {$0.00} which I traced it back to the transaction mentioned above. I spoke to Citi customer service twice and they mentioned that the charge was incurred because it was a quasi financial institution and they blamed the seller for the charge. On the other hand, on XXXX XXXX, XXXX I bought XXXX XXXX 's gift cards from the same seller through XXXX with the same credit card and yet no charge was incurred. This is the second time this has happened to me, the previous time was on XXXX XXXX. Similar situation, bought gift cards through 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 2016-12-07 00:00:00
Product: Credit card — 
Issue: Arbitration — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank sent me 2 letters of new terms for 2 accounts ( accts XXXX and XXXX ) which have been closed for over 5 years. I did not receive letters for my 2 active accounts ( accts XXXX and XXXX ). Part of the new terms were that my accounts would be subject to arbitration. I found it unusual not receive letters for all of my accounts. I could reject arbitration by sending a letter stating my rejection. I sent a blanket letter for all Citibank accounts. I received 1 letter acknowledging my rejection for a " closed '' account ( XXXX ). I also received a letter stating that Citibank was rejecting my opt out of arbitration because they said it was n't received by the due date. That account XXXX was opened in XXXX XXXX. I never received a letter stating new terms for that account. My understanding of the law is that a card issuer can not change the terms within a year of that account 's opening. I suspect that there never was a letter sent explaining new terms because they could n't change the terms yet. Also for the 2 accounts that I did receive the new terms, it states on the cover letter that I had until XXXX XXXX, XXXX. Obviously Citibank received my blanket letter as they confirmed the rejection on one account. I have already called them and they are overwhelmed in their " back office '' with customer calls. Probably because they screwed over thousands of other card holders. My account, Citi Thank You Premier, XXXX was opened on XXXX XXXX, XXXX. I want no arbitration on this account. I think Citibank needs to be fined for breaking the law.

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 2016-01-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Macy 's XXXX credit card was illegally scanned at a XXXX gas station, cloned and fraudulently used in NJ. The issuing bank failed to alert me and block my card for an unauthorized activity. I found out about fraudulent activity via accessing account online. I placed a call to Macy 's Fraud Department on XXXX/XXXX/XXXX to report fraudulent activity. Thereafter, I promptly filed a Statement of Fraud, which Macy 's received on XXXX/XXXX/XXXX. I followed up with a call to Macy 's on XXXX/XXXX/XXXX for the claim 's status update. A representative declined to provide any information, and refused to remove unauthorized charges from my account. As of XXXX/XXXX/XXXX, {$630.00} plus accrued interest show on my statement without any acknowledgment by Macy 's, nor claim 's status update.

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: Late fee — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Macy 's American Express card has been fraudulently charging me Late Fees and Interest Charges for months though they are directly debiting the full balance due every month from my checking account. How can they charge me these late fees/interest charges when they are withdrawing directly from my checking account? This unscrupulous practice has been going on, may be for years and I just happened to notice it today. Please take action against Macy 's so they are fiscally prudent when it comes to handling customer accounts!

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 2016-06-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I opened up a Citigold account in late XXXX XXXX when they were offering a promotion for XXXX XXXX points. The terms of the promotion were that in order to receive those points, I would have to open the Citigold account and make XXXX consecutive bill payments within 60 days, which I did. I confirmed with their customer service representative by online chat, I also sent security message to citibank to confirm it, that I was indeed eligible for the promotion, that the promotion had been applied to my account, and that I had met the requirements for the promotion. I should received the XXXX points on XXXX XXXX, XXXX. I did not received the XXXX points on XXXX XXXX, XXXX. Then I sent several emails to Citi bank. The feedback I got is CitiBank need reevaluate if I met all the promotion conditions, and the time to respond to me is unknown. The Citigold account has a monthly fee of {$30.00} that has been charged to my account. I have kept the account open only because I felt that the XXXX points would be worth the monthly fee. However, now Citibank has reneged on their part of our business relationship and instead has charged me monthly fees for which I am getting nothing.

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 2016-03-17 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
The Home Depot/CBNA account # XXXX is showing a negative 30 day mark on my credit report for XXXX. I have called them to dispute this multiple times as I was not aware that a payment had not processed. As previously stated to them, this was set up on auto pay with my XXXX account, NOT home depo, and for whatever reason did not get to them. When I was notified, I immediately paid the account and it is even paid in full/off. Home Depo had very good customer service and understood what happened, they refunded all the fees and late fees associated with the error. I appreciate that, however I do not feel this should have been reported on my credit report. I have talked to multiple representatives after, and they all advised that once reported they cant remove. They again proceed to say we updated everything on there end and credit me any fees, however I am disputing the 30 day late reporting on my credit report. I kindly ask you please remove or advise what next step I need to take as I strongly feel this was incorrectly reported. 

*note you have removed ALL fees, therefore based on this you acknowledged this was an error, please move 30 day late as well.

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 2016-03-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
fraudulent charges were made to my macys credit card. Someone obtained by my information and made charges to my account. Macys sent correspondence to the wrong address. I never lived at the fake address that Macys sent letters to. I filed a claim on XXXX XXXX, 2015. They claimed to have proccessed it on XX/XX/XXXX. Since then they have been investigatin without any indication of whether the charges were fraudulent or not. Now recently, under threat of litigation, there was some progress. The company stated that they were going to clear the charges and report it to the credit bureaus. I asked for a letter detailing the investigation was indeed over but a few days later, I get another call stating that the charges are clear but they are still investigating. They denied the request for letter given.

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 2016-08-22 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
When Costco terminated their relationship with XXXX XXXX, I advised Costco that I did not want another XXXX card with Citibank. Costco personnel advised me not to activate the card when I received it. I did not activate the credit card that Citibank sent to me. I subsequently received a bill from Citibank for the {$55.00} annual membership fee that was billed to the account that I never activated. I have called Citibank twice. They have informed me that the account is closed, however, I needed to have Costco back out the {$55.00} membership fee. When I went into Costco, they said they could not back out the fee without the credit card, which I shredded when I received it. I am still receiving voice mail messages from Citibank about my " account '' which they have twice informed me was closed, even though I never opened the account. I am disturbed that a vendor was able to charge an item to an account that I never activated, and am now getting the run around from both Costco and Citibank. Citibank just wants me to pay the {$55.00}. I do not want to pay on an account I never opened.

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 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I am complaining about my experience at the Citibank branch on XXXX XXXX in XXXX. I visited the branch with my mom to check our checking and saving accounts, but we were told that my mom 's checking and saving accounts were closed due to inactivity. To even more of a shock, we found that her account was deducted monthly service fees for years while she was abroad until the point that Citibank decided to close her account and report unclaimed property to the State of California. 

I acknowledge that it is her fault not updating her address, but there is a contact number and email on file. If Citibank did exert a minimal level of due diligence, they could have easily reached her without having to resort to this action. 

As we met with XXXX XXXX XXXX, the Branch Manager, not only did he act like he was not able to help but also show contempts towards us! He said : " when your mom went back to XXXX, she should update her address. We have so many international clients, and we can mail her statements internationally. '' First of all, we are not from XXXX - he judged us based on our races/appearance. Second, we already acknowledged that we did not update the address, so what is the point of repeatedly mentioning this without really addressing the problem. He then went on to say " we only have your mailing address on file, so that is the only way we can contact her, '' but he later found out that a phone number and email address were clearly listed in the profile. He was not actively trying to resolve our problem, and instead just beat around the bush to ridicule us. He did not show empathy to what has happened to us, and made jokes about there are people like us too by saying " there customers who thought they have their vacation money, but only to find out their money is gone. ( laugh from the manager ) '' I think XXXX XXXX XXXX was not behaving in the manner that I would expect from a customer service perspective. He was demeaning and showed contempts to customers. 

I hope you can seriously address this issue, because I am now very upset about Citibank 's lack of due diligence in verifying accounts of inactivity, deducting service charges without notifications, closing accounts without verification, and also the unprofessional demeanors of XXXX XXXX XXXX. Thank you for 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 explanation
Consumer complaint received 2016-04-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
XXXX XXXX XXXX used unscrupulous and deceptive practices to try to collect a debt. 
1. Unending calls even after I advised them to stop calling. One call came while I was in hospital being treated for a XXXX illness and the collector would not get off the phone. 
2. Debt collector fail to provide details and proof of debt even after being ordered to do so by the court. 
3. The collector intentionally shared misinformation about a continued court date, which I relied on and they showed up to court and secured summary judgement. 
4. Debt collector failed to negotiate in good faith. We made an offer, under duress, in the hospital just to make them go away. And they responded affirmatively with a letter that quoted an offer which was three times the amount that I actually offered. 
5. Debt collector continued to pursue action even though they were advised that the debt was not mine and further that I had retained counsel for the purpose of bankruptcy in XX/XX/XXXX and they refused to contact her. 
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 2015-10-31 00:00:00
Product: Prepaid card — Other special purpose card
Issue: Advertising, marketing or disclosures — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
In XX/XX/XXXX I took an exchange offer line XXXX and they sent me a Citi Bank prepaid card with {$160.00}, I save my card waiting buy something special when I was ready to make my purchase I noticed that the card had expired in XX/XX/XXXX, so call XXXX in XX/XX/XXXX, I told them my situation, the operator told me we will re-send a new card in 15-20 days. 
30 days past again called XXXX to ask the status of my new card so they told me, they can not send a card for that type of card could not send again and them they connect me to the Department of Citi Bank Cards where they say the funds expired with the card. 
I call back and talk to XXXX XXXX ( XXXX ) and commented the situation and says that certainly could not get a new card because they do not manage more funds that XXXX promote, and that the funds expired with the card, so I ask them " t who has my money '' and they said " has expired ''. After talking with XXXX I communicated with XXXX employee number ( XXXX ) who just told me that he was the highest authority and that funds had expired. 
I never used my card or money and they saw the system, I do not understand you can not give me another card, where 's my money.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Money transfers — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.

Complaint narrative:
I am a XXXX citizen. 
I do have a fund of XXXX with the CITI-Bank. 
Because of the new XXXX rules the bank asked me for the transaction of this amount to pay XXXX .I have payed this amount. 
The Bank asked me after this payment to pay another XXXX for the transaction. 
This procedure seems very strange to me. I have the suspicion of a fraudulent procedure

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 2016-06-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consumer Collection Management. Inc
State: MO

Complaint narrative:
XX/XX/XXXX I had XXXX XXXX perform a XXXX. weeks later I received a bill from the insurance company. XXXX made an error -- had ordered XXXX. after many calls to XXXX and much time spent then the bill was removed. 
I now have received a collections bill in the amount of XXXX the bill is for a XXXX fee for the XXXX. the bill from XXXX was XXXX dollars. the collection agency charged XXXX to collect on this " debt ''. the fair debt collections practices act prohibits a fee being added to collect a debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Macy 's is charging me a { {$2.00} } " Minimum Interest Charge '' fee on a XXXX balance credit card account. My Balance was XXXX on my XX/XX/2017 Statement. I pad the balance in full on XX/XX/2017 way before the end of the billing cycle. On XX/XX/2017 I was charged a {$2.00} fee. This has happened to me several times in the last few years. I want Macys to respond to this and let us know what is being done to fix it. How many other customers just pay the fee? When I called macy 's, they told me it was not an issue and I will always be charged this fee unless I pay the balance in full every month. We should not have to make a phone call and wait on hold everytime this happens. They need to fix this.

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