Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Unable to receive car title or other problem after the loan is paid off

I'm filing a complaint regarding an auto loan payoff with US Bank, specifically surrounding the lack of communication, the inconsistent information provided by US Bank reps, and the timeframe it has taken to close out my account and obtain a lien release. 

On XX/XX/2021, I called US Bank to inquire about my auto loan payoff as I needed to sell my vehicle. The rep I spoke to informed me it would take up to XXXX business days to process the lien release after payoff. I proceeded to pay off the loan on XX/XX/2021. 

After not receiving the lien release nor hearing anything from US Bank, I called on XX/XX/2021 ( XXXX business days after payoff ) for a status update. I was now informed that my loan account was still open and the lien release wouldn't be processed until account closure, which the rep informed me would occur on XX/XX/2021, the date of my statement closure. From then, I was told it would be another XXXX business days for the lien release to process, information that was inconsistent from what the 1st rep I spoke to. 

Today, on XX/XX/2021, upon checking my account online, I no longer had access to my monthly statements. I again called US Bank to inquire about the missing statements and for the payoff status. The rep I spoke to, XXXX, explained the account just closed on XX/XX/2021, and that it would now take XXXX business days for the lien release to be processed, not including mailing time. She indicated the timeframe for payoffs is XXXX business days from the time of payment ( XXXX business days to process payment XXXX business days to close the account + XXXX business days to process lien release XXXX mail time ). 

I am beyond frustrated with US Bank, and being unable to sell my car despite paying off my loan over XXXX weeks ago. See below for my questions : 1. Why did I receive XXXX different responses from the XXXX different reps I spoke to? 
2. Why does it take XXXX calendar weeks to process an auto loan payoff when other lenders do so in less than half the time? 
3. Why are all my loan statements no longer available on my online account? 
4. Why have I not received any communication, written or verbal, from US Bank confirming my payoff or providing a timeframe on the lien release?
Complaint sub-issue: Reporting company used your report improperly

Investigation Request Letter To Whom It XXXX Concern, I received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that had discrepancies. Under the Fair Credit Reporting Act, I have the right to challenge anything I am not sure is accurate. Some of the companies reporting on me I have never heard of in my life. 

In accordance with the Fair Credit Reporting Act the companies listed below have violated my rights.

15 U.S.C 1681 Section 602 A : States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. Section 1681i ( a ) States that if proof can not be provided, the accounts must be deleted. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have reached out to all companies and all credit reporting bureaus.
Complaint sub-issue: Their investigation did not fix an error on your report

XXXX XXXX XXXX is not reporting to equifax and is preventing me from getting a better loan right now I have paid for over a year now and nothing is being reported to equifax. My XXXX account number is XXXX.
Complaint sub-issue: Debt was paid

My husband and I sent our final payment in to Best Buy via phone on XX/XX/2017. This was after we made contact with a Customer Care Rep at a Best Buy store to inquire about the balance. We also called Best Buy Customer Service to inquire about the payoff amount. Both times, we asked if there would be a late fee and we were informed both times that there would n't be one. We were also informed via the phone that if there was one, that it would be refunded and that we would n't have to worry about it. 

My husband began getting daily calls about a month later, but did n't know why. When he asked me about the account, I confirmed with him that it had been paid off and that those calls were most likely sales calls from telemarketers. Again, being reassured by both Customer Service/Care Agents, there was n't any reason for us to be concerned about additional charges. 

Today, we both called again, only to find out that not one late charge was filed, but two additional late charges were filed, one for XX/XX/XXXX and one for XX/XX/XXXX. I was flabbergasted! We had a XXXX   balance and now three additional late charges have been filed. We asked if those late charges could be waived to reflect a XXXX balance since we have not made any additional purchases. Additionally, had the Representative told me that there would be a fee, I would have included it in my final payment. That would not have been an issue whatsoever. We were told that the " best '' they could do was waive the last fee. This did not satisfy me because of what we were assured AND the balance was paid off. 

We are requesting that all three late charges be waived. The Customer Service Manager waived the most recent fee, which left a balance of {$55.00}. So, specifically, we are requesting that the remaining {$55.00} be waived to reflect a XXXX/paid in full balance on our account. 

I am concerned that consumers who have touch points with any party associated the Best Buy brand or corporation may get conflicting information. Although we were offered apologies on behalf of the previous Customer Care Representatives, we were still only offered a waiver of the most recent late fee.
Complaint sub-issue: Card company isn't resolving a dispute about a purchase or transfer

On XX/XX/XXXX, I was arrested XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All my clothes, hygiene, dog, wallet ( with my Card com card, my XXXX XXXX  card, my XXXX Card, my XXXX  DL, and cash ), laptop, etc. were all in the room XXXX XXXX XXXX. I was incarcerated at the XXXX XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. None of my clothing, hygiene, debit cards or money was at XXXX XXXX when I was released on XX/XX/XXXX. When I finally got into my CARD.COM account, there were several transactions from XX/XX/XXXX through XX/XX/XXXX XXXX, XXXX. Since I was incarcerated, with NO access to my cards, my phone, etc. at the time of the charges, there's no way I could have made any of those transactions. I filed a Dispute on XXXX separate occasions with CARD. COM, per their request, with all the required paperwork ( police report, Arrest Report, etc. ). CARD. COM denied my claim.
Complaint sub-issue: Their investigation did not fix an error on your report

I was rear-ended while stopped at a red light on XX/XX/XXXX. The other driver was completely at fault as determined by the police, my auto insurance company and the other driver 's auto insurance company. I received medical treatment for the injuries I sustained in that accident from XX/XX/XXXX to XX/XX/XXXX. Although this matter and all resulting bills is involved in litigation, I was still sent to collections. Once the collections agencies were notified these accounts were involved in litigation two of the agencies halted all collection attempts. However, two other agencies, XXXX and XXXX, still tried to collect the debt. After several calls to each, they did stop calling me but did report me to XXXX and Equifax. I disputed with each bureau. XXXX immediately removed it from my credit report but Equifax denied the dispute on the basis the collection agencies claim they are valid bills. I disputed a second time with the same result. Equifax admits they did not try to validate the accounts are in litigation. I have opened a third dispute and am awaiting the result.
Complaint sub-issue: Debt was already discharged in bankruptcy and is no longer owed

My elderly father received a call in reference to someone looking for me in reference to the collection of a debt. I called the number ( XXXX ) XXXX. This number was for a company called BHA Services in XXXX. I spoke to " XXXX XXXX '' who was attempting to collect a debt from XXXX from something I am not aware of. I told him that if it was a XXXX XXXX XXXX debt, I had a bankruptcy in XXXX. I then told him that my credit is perfect and I owed no one anything and not to call me again. XXXX XXXX has since called my cell phone multiple times. He is now calling and harassing my work number repeatedly. I checked with my XXXX XXXX and they advise that all credit agencies report that my credit is excellent and that there are no delinquent nor unpaid accounts. I do not know what kind of scam this company or individual is attempting I take my accounts seriously and am tired of being harassed by this person. If I can not resolve this issue via your complaint services, my only option to end this relentless persecution will be to contact an attorney and pursue legal action. I am a XXXX XXXX  XXXX and have consulted my agencies white collar crimes who told me to begin documenting the dates and times of each call in order to provide documentation to my attorney to show a pattern of abusive behavior.
Complaint sub-issue: Funds not handled or disbursed as instructed

Re : Bank of the West, XXXX XXXX This is the worst banking experience ever for me, and the bank itself actually looks fraudulent. 

We opened a bank account with them in XXXX, we funded $ XXXX to one checking account on XX/XX/XXXX. Before we received the ATM card, someone already started accessing our account starting XX/XX/XXXX. A few hundreds here and there, XXXX, XXXX, XXXX and alike within a few days, some {$8500.00} USD were stolen from our account. We noticed the problem only by accident when my wife logged into the account and immediately reported the problem to the Banks Fraud department. Following their standard procedure, we filed a police report ( XXXX XXXX Police Department report XXXX ), affidavit and we thought this would just work out on its own oh how wrong were we. 

Two months later this is still not resolved. 

We only saw {$2800.00} returned to our account earlier this month and were wondering why, and were thinking maybe they are still processing the refund. 

We called them again today, got hold for 45 minutes, and only were told some incident researcher called us early XXXX and settled with us on that amount. Oh, we didnt know we had settled the case with them because no one actually called us. 

Call center people just transferred around and no one seems to really know whats going on. They tried to bridge in the researcher who was nowhere to be found. They promised some manager would call us within one hour - but never happened. 

I dont know what kind of bank does not enforce a smaller default daily spending limit on the ATM card. I don't know what kind of bank would say we requested the increase of daily limit to $ XXXX cash spending even though we have more than enough credit card to use and would never, never need to access cash at this level. 

I dont know what kind of bank would treat a serious fraud like this one, likely rooted from inside of the bank, so lightly and not actively keeping its customer engaged for updates. 

I dont know what kind of bank would not allow for SMS alert for spending over a certain threshold. 

I dont know what kind of bank would think its OK for someone to accept a > $ XXXX loss through a phone call, let alone its not our fault. 

I can only think : A very incompetent bank tries to lure customers, a very incompetent management team who simply cant get their act together, a very incompetent board who picked incompetent management to let crazy things happen to their customers. 

They do not deserve to do business in California, nor elsewhere in the United States. 

I am filling this complaint but also taking legal actions towards the bank.
Complaint sub-issue: Was not notified of investigation status or results

I have never received any investigation results from the credit bureaus regarding the accounts I listed even though I have sent them letters multiple times : XXXX XXXX Account # XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX Account # : XXXX | XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX XXXX ( Original XXXX XXXX 01 XXXX ) Account # : XXXX | XXXX XXXX Account # : XXXX -- XXXX XX/XX/21
Complaint sub-issue: Information belongs to someone else

these collection accounts ( XXXX XXXX -ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, were removed off of one of my other credit reports because they came from identity theft with the original creditor. These collection agencies then turned and sold the debt to another collection agency, or listed the debt under another collection agency name then reported the accounts to the other two credit agencies which I know has to be illegal by law. Most of the accounts are the same just under different names
Complaint sub-issue: Investigation took more than 30 days

XXXX, Equifax and XXXX  failed to address my concerns in a timely manner. They are claiming that I am working with a credit repair company when I am a victim of identity theft. I need for all of these companies to comply with credit reporting act and comply. I am resubmitting my identity theft report along with my ID so that the changes can take place within 5 business days of this complaint. You are preventing me from employment because of the fraudulent information that's on my reports that you can not verify with any of my physical signatures.
Complaint sub-issue: Investigation took more than 30 days

On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax, XXXX and XXXX  data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Their investigation did not fix an error on your report

I have submitted my identification and social security card for your review along with my FTC report, due to identity theft
Complaint sub-issue: Other problem getting your report or credit score

I need a copy of my personal credit report XXXX XXXX federal way wa due to fraud identity protection. There is no number to call, can not get it on line and they want me to send a copy of my license and social security card in the mail. Not going to happen. How do I get a copy? I am sure I am not the only person that has had this problem. They do not provide a location that you can physically go to and show identification which makes it even worse.
Complaint sub-issue: Didn't receive terms that were advertised

There is a Citibank offer last XXXX ( the offer is still on going ). If a new customer opens checking account for the 1st time, and deposits {$15000.00} for more than XXXX, then I can get {$400.00} bonus. Therefore, I opened my 1st bank account and deposited {$15000.00}, and I checked with CITI banks customer service that Im eligible for the offer after I applied the promotion. I was supposed to get {$400.00} by XXXX XXXX, but I didnt get it until the mid of XXXX, so I called customer service again. The representative double confirmed Im eligible for the offer, but the back office is super busy because its end of the year. She also told me I can receive the offer in the 1st week of XXXX, but I didnt get any offer or feedback from CITI XXXX 
After that, I called again, and the another representative submitted the investigation ticket because shes not sure why my case is being delayed. At that time, she also confirmed that Im eligible for the offer. She told me I could get any feedback and offer within 5 business day, but I didnt get any feedback. 
After that, I called the customer service more than 10 times, and EVERYTIME WAS SAME ANSWER : I am eligible for the offer and my case is under investigation with the urgent case note, and I could get any feedback and offer within 5 or 10 business days. I also talked to several supervisors, and they also confirmed it. 
However, I never got any feedback from CITI, and when I called last Friday, another representative told me Im not eligible because some kind of promotion code was not attached. I followed every step as the guide said, and CITI representative confirmed Im eligible for the bonus offer right after I applied, and more than 10times from different representatives everytime I called. I also talked to supervisor, and she kept saying shes sorry for all the wrong information and inconvenience but theres nothing they can do. 
They couldnt told me what kind of code was missing because they didnt know, either. 
This does not make sense at all, and I can not believe how CITI bank scammed customers.
Complaint sub-issue: Information belongs to someone else

This is my final request to remove account which never belong to me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
Please remove account as soon as you can.
Complaint sub-issue: Information belongs to someone else

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Complaint sub-issue: Debt was paid

First Progress account is reporting derogatory on my credit the account is paid please remove from my credit profile.
Complaint sub-issue: Information belongs to someone else

Despite my previous written requests for you to provide me with the name of the person in your company who verified that these accounts are accurate and belong on my file, what documentation did they use to verify that these accounts are accurate and belong on my file you ignored my rights and instead told me that you are labeling my dispute as Frivolous. Your actions clearly demonstrate your willful violation of the FCRA and I believe the Courts will agree when I present them with copies of my letters and your responses to them.
Complaint sub-issue: Funds not handled or disbursed as instructed

Citibank had an IRA with my maiden name. I faxed all paperwork on XX/XX/19.To date I still have not rec 'd my funds. If I didn't call they never reached out. I called in on XX/XX/19 and was told they needed my id again. Then I called on XX/XX/19 for status and was told they had a block on my account they would take 5-10 more days. Really. She was rude and hung up on me. Then on XX/XX/19 called again and was given 3 options. Still nothing. if I didn't call I guess I would never get my funds. The worst customer experience. I just need to change my name and get my money out of citibank.
Complaint sub-issue: Didn't receive notice of right to dispute

On XXXX XXXX, 2017, I received an alert that a new collection was added to my XXXX credit report by Enhanced Recovery Collections in the amount of XXXX dollars on XXXX XXXX, 2017. I do not have any contract with this agency, nor did I receive any notification prior to this date about debt being added to my social security number.I know by law I am to be notified up to XXXX days and this agency did not abide by the law.Please remove this collection from the report.
Complaint sub-issue: Their investigation did not fix an error on your report

CREDIT BUREAUS ARE IN THEIR VIOLATION OF LAW FOR NOT CONDUCTING AN INVESTIGATION REGARDING ON THE FRAUDULENT AND MISLEADING ACCOUINTS REPORTED FROM MY CREDIT REPORT.
Complaint sub-issue: Problem with personal statement of dispute

This is pertaining to XXXX XXXX XXXX XXXX XXXX - Account # XXXX Under the XXXX XXXX XXXX XXXX and Hardship Guidelines found in Article 2 of their Consumer Bill of Rights, I believe that I am a candidate and qualify for them to make a business decision and close this account in question. 

Account # XXXX went into collections during the height of the COVID-19 pandemic months after I ( and many others ) was no longer gainfully employed due to massive layoffs. I was unable to maintain my credit card payments, despite attempting to resolve this with the original creditor. I disputed this collection once before, under natural disaster, after reading XXXX Consumer Bill of Rights, but to no avail. 

I am still unemployed and actively looking for work, however it is extremely difficult to find positions in my field due to the derogatory mark that is left on my credit report, in addition to the credit score influx due to how the CR compilation companies model their credit scores.

This account is now over 2 years old, and still has damaging effects on my ability to seek new housing, apply for credit, and more. I have exhausted all of my options at this point. Several other collection agencies have worked with me in this regard and have successfully allowed me to start anew. However, XXXX has continued to add interest, further damaging my credit score. 

In addition to the aforementioned, I ( as well as my mother and sister ) consistently receive harassing phone calls in an attempt to collect this debt - No other agency has behaved in this manner, nor treated me- the consumer- in this way. I would like the person reading this to take a look at XXXX Consumer Bill of RIghts Article 1.

I have conveyed that I not only can not afford to pay the balance, because I have no source of income, but I am unable to move on from this +2 year old situation due to it lingering behind me everywhere I go professionally. Hopefully I've communicated in a way by now that conveys how this has Inflicted a tremendous deal of emotional distress. I am asking/requesting for there to be no further collection activity, furnishing of account information to the credit bureaus, or sale of this account. In addition, I would like to ask the three CRA to be notified to delete this reference to the collection account in question.

God Bless, XXXX. XXXX