vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Before XX/XX/year>, I transferred XXXX points from my Citi XXXX credit card to my other Citi XXXX credit card. 

On XX/XX/year>, I then chatted with customer service to change the Citi XXXX card to a Costco Anywhere card. 

On XX/XX/year>, I chatted to change the second Citi XXXX card to a Citi Rewards+ card. 

Recently, the transferred XXXX points completely disappeared from my account. These points are valued by Citi as at least {$830.00} in cash, and more when redeemed on their travel portal. 

I contacted Citi customer service and they informed me that the XXXX points expired because I cancelled the original Citi XXXX card. This is clearly incorrect, as I transferred my points beforehand, and then product changed it ( so I still have an open account ). 

Furthermore, I never received any warning or notice that this was possible, because no consumer in their right mind would let hundreds of dollars of points expire. The Citi rewards portal did NOT show me any notice either. 

Additionally, even after the points disappeared, there was no trace of their existence on my portal, as if to intentionally deceive the consumer. Lastly, this practice of expiring points is unlike the standard practice of all other credit card issuers. XXXX XXXX pools all membership rewards across all cards, and XXXX does not expire transferred points. 

No consumer would anticipate this deceptive practice, and no bank should be able to remove {$830.00} worth of points without recourse or reimbursement. 

I request that Citi reinstate my missing points, because this practice is deceptive, poorly labeled, and unfair to consumers.

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 2024-10-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
Introduction : I am writing to address the recent closure of my credit card account by Ally Credit Card Company, which I believe was done in violation of my rights as a consumer. This closure occurred shortly after I filed a complaint regarding the companys failure to follow proper dispute resolution procedures. 
Background : On XX/XX/2024, I noticed a billing error on my credit card statement. I promptly contacted Ally Credit Card XXXXmpany to dispute the charge, as outlined under the Fair Credit Billing Act ( FCBA ). Despite my efforts, the company failed to acknowledge my dispute within the required 30 days and did not resolve the issue within the 90-day timeframe mandated by law. Frustrated by the lack of response, I filed a formal complaint on XX/XX/2024. 
Additionally, the issue I complained about was paid off, but the credit card company did not issue a refund. Instead, they reported to the three credit bureaus that the matter was still in dispute, further complicating my financial situation.

Legal Framework : Under the FCBA, consumers have the right to dispute billing errors and expect a timely investigation and resolution. Regulation Z further outlines the responsibilities of credit card issuers in handling such disputes. 
Argument : The closure of my account on XX/XX/2024 shortly after filing my complaint, appears to be a retaliatory action. This is a clear violation of my rights under the FCBA and Regulation Z. The timing of the account closure suggests that it was done in response to my complaint, rather than any legitimate business reason. 
Moreover, the failure to issue a refund after the disputed amount was paid off, and the incorrect reporting to the credit bureaus, demonstrate further negligence and misconduct by the credit card company. 
Impact : The closure of my account has had significant negative impacts on my financial stability and credit score. I have been a loyal customer of Ally Credit Card Company for two years, and this action has caused undue stress and hardship.

Conclusion : I respectfully request that Ally Credit Card Company reopen my account and address the billing error in accordance with the law. Additionally, I seek assurance that no further retaliatory actions will be taken against me for exercising my rights as a consumer. I also request that the company correct the information reported to the credit bureaus and issue the refund owed 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 explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NH

Complaint narrative:
XX/XX/year> i was notified from another credit card my credit changed and i have a deliquent account. researching my credit i found that i had a loan from a company called affirm. i called the number and after talking with them ( affirm ) they found my account, it had a different email and a different phone number, the person stated they would let the fraud department know and they would reach out. heard nothing so i again called, the person found the account and that he changed the email and phone number this time so they can identify me next time easier. he also filed a complaint on my behalf with their fraud dept. again heard nothing. i then filed a complaint with XXXX as well, XXXX i called affirm for a 3rd time, talked to a supervisor but not the fraud dept. asking for an uodate. the supervisor said she would mark it urgent to the fraud dept to at least notify me of whats going on. XXXX notified me as of XXXX that they called affirm and confirmed this is my account and complaint closed. this loan has not been taken out by me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX I am writing because I have tried working with XXXX on the fraud Inquires that are on my credit report. I have Not applied to any of the following companies, nor have I allowed anyone to apply to them. The Inquires listed are NOT a matter of fact and must be removed from my credit report under the Fair Credit Reporting Act. I have requested that they remove them, and they have not done so. I am asking that they follow the law or be fine and I will also file a lawsuit with the Illinois supreme court. 

XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> To have them comply with the Fair Credit Reporting Act and the Federal Trade Commission

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL. XXXX XXXX XXXX I am writing because I have tried working with XXXX on the fraud Inquires that are on my credit report. I have Not applied to any of the following companies, nor have I allowed anyone to apply to them. The Inquires listed are NOT a matter of fact and must be removed from my credit report under the Fair Credit Reporting Act. I have requested that they remove them, and they have not done so. I am asking that they follow the law or be fine and I will also file a lawsuit with the Illinois supreme court. 

XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> XXXX. XXXX XX/XX/year> To have them comply with the Fair Credit Reporting Act and the Federal Trade Commission

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
RE : Violation of U.S. Code Law ( TILA 15 U.S. Code 1666 ( b ) - Billing Error ) Upon reviewing my credit report, I noticed multiple billing errors that clearly violate 15 U.S. Code 1666 ( b ) : To Whom It May Concern, ( a ) Time to Make Payments : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless they have adopted reasonable procedures to ensure each periodic statement, including the information required by section 1637 ( b ), is mailed or delivered to the consumer not later than 21 days before the payment due date. ( 4 ) Failure to Reflect Payment : The creditor failed to properly reflect a payment or a credit issued to me. ( 5 ) Computation Error : There is a computation error or similar accounting error on the creditors statement. Since the creditor did not notify me 21 days before the payment due date, there should be no late payments on this account. I demand solid proof from the creditors bank account showing that I did not pay and was marked latethis is a billing error. The items below must be updated to " paid as agreed '' on my consumer report : XXXX XXXX XXXX XXXX This account is PAID on time and PAID as agreed! This is a violation of 15 U.S. CODE 1666B. It was never too late, so delete this 30-day late remark from the payment history. Late 30 days in XXXX XXXX 15 USC 1681b ( a ) ( 2 ) - Permissible Purposes ( a ) In general, subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in written instructions of the consumer to whom it relates. Again, remove this 30-day incorrect late remark and update it to " paid as agreed, '' or DELETE it entirely from my report. '' XXXXXXXX XXXX XXXX XXXXXXXX I am writing to dispute the late payment reported on my credit report. The late payment listed is inaccurate as I have consistently made payments on time. I request that this information be verified with proper documentation. If you can not verify the accuracy of this information, I request that you remove it from my credit report immediately. " Late 30 days in XX/XX/XXXX Late 30 days in XX/XX/XXXXXXXX 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 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Go Capital Holdings, LLC
State: NC

Complaint narrative:
I noticed inquiries on my credit report that I never authorized and I have no open accounts with these companies. I need them removed pleased.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

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 2024-10-03 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Receipt XXXX Date : XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX Washington, XXXX XXXX XXXX United States Subject : Request for Assistance in Restoring PayPal Account and Opening a Dispute Dear Sir/Madam, I am writing to seek your assistance in restoring my PayPal account, which has been permanently limited, and in opening a dispute for a fraudulent transaction that occurred on XX/XX/XXXX. 

I purchased a hot tub from a seller who turned out to be a scammer. Over the course of several weeks, the seller provided various excuses, preventing me from opening a dispute on PayPal ( Receipt number:XXXX ). Eventually, the seller sent an email admitting that I had been scammed and advised me to " deal with it. '' On attempting to resolve the issue with PayPal, I was informed that my account has been permanently limited. I have no understanding as to why this action was taken, especially since I was simply trying to open a dispute for a product that I never received. This situation has been incredibly frustrating, and I am now left without access to my PayPal account and without the means to get my money back. 

I kindly request your assistance in the following : Helping me restore access to my PayPal account. 
Facilitating the process to open a dispute for the fraudulent transaction in order to recover my funds. 

I appreciate your prompt attention to this matter and any support you can provide in helping me resolve this issue. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I did not authorize the creation of these accounts and have suspicions regarding their legitimacy. I kindly ask that you conduct a thorough review and expeditiously remove them from my credit report.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section XXXX ( a ), if these issues aren't investigated within XXXX days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I sent a letter regarding the errors and unfamiliar entries on my credit report, but sadly, I haven't heard back in over XXXX days. It seems like my concerns are being overlooked, and I feel taken advantage of. As per Section XXXX ( a ), if these issues aren't investigated within XXXX days, they should be removed from my credit report without delay. I might need to pursue legal action because of the stress this situation has put me under.

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 2024-10-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: FL

Complaint narrative:
So who may concern that I have filed a claim for almost a month and a half to get my funds back into my account the amount was stolen from out of my account was {$XXXX}. I file multiple claims to get my phone back, but they keep denying my claim due to the fact day said fine authorized by me and I told them that the phone was stolen from a park and the person who took my phone stole funds out of my account I file a police report to get to my give to my bank, but they still keep denying my claim due to the fact, they said I authorize the payment. I have proof that the phone was stolen i show evidence of the person who stole my phone and the person that stole funds out of my account also, I called them multiple times to see how the process is going, and I also told them that a private XXXX was on the case also but they still deny my case suits the fact that they said authorized transaction and the phone that was stolen from me was my final so have a new down payment on my home and Im trying to get my phone right now cause Im living in a XXXX  with me and my kids on my phone was stolen from me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To Whom It May Concern, I am writing to express my profound disappointment and grave concerns regarding the accuracy of my personal information on file with your esteemed institution. While perusing my credit report, I was dismayed to discover discrepancies that have raised significant questions about the completeness and accuracy of my records. Specifically, there are inconsistencies in my identification, Social Security number, and proof of address, which I have attached to this letter for your thorough review. I earnestly request that you investigate this matter and take prompt and necessary actions to rectify any errors and update my personal information in a timely and precise manner. Your cooperation and assistance in this regard are paramount to retaining my trust and confidence in your institution. 

Incorrect Previous Address - XXXX XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Previous Address - XXXX XXXX XXXX, XXXX XXXX, CA 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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I consistently ensured timely payments, so I'm puzzled by an error in my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The existence of this account has caused me significant distress, to the point where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
I noticed inquiries on my credit report that I never authorized and I have no open accounts with these companies. I need them removed pleased.

Company response to consumer: Closed with explanation