Johnade/consumer_complaints_cfpb huggingface dataset:
Complaint sub-issue: Loan balance remaining after the vehicle is repossessed and sold

Volkswagen Credit violated my federal protected rights twice under UCC Article 9 through noncompliance : First, Pursuant to UCC 9-611 section ( b ) Except as otherwise provided in subsection ( d ), a secured party that disposes of collateral under Section 9-610 SHALL send to the persons specified in subsection ( c ) a REASONABLE authenticated notification of disposition. '' VW Credit DID NOT send me, the debtor, REASONABLE authenticated notification prior to the repossession of my XXXX  XXXX XXXX from my residential address in the state oXXXX XXXX 

Secondly, Pursuant to UCC 9-616 section ( b ) " In a consumer-goods transaction in which the debtor is entitled to a surplus or a consumer obligor is liable for a deficiency under Section 9-615, the secured party shall : ( 1 ) send an explanation to the debtor or consumer obligor, as applicable, after the disposition ... '' VW Credit also DID NOT REASONABLY send the explanation to me, at any time between XXXX. I, the debtor, did not receive an authenticated notice. Proof of that is evident through VW Credits admission/response to my prior CFPB complaint ( Please see attachment ). The dated explanation/post-sale letter that VW Credit responded with included my name and a XXXX XXXX address . I have not resided at that SC address in more than four years. Despite that fact, VW Credit still proceeded with hiring a third-party to repossess the XXXX XXXX XXXX at my actual residence in XXXX, XXXX  That was not reasonable and a clear violation.
Complaint sub-issue: Banking errors

I opened a Citi XXXX Checking and Savings account on XX/XX/XXXX on the Citibank website because of a promotion offered by their website. The offer was to earn {$700.00} bonus if XXXX is deposited within XXXX days of opening the account and maintained for a minimum of XXXX  days. The bonus of {$700.00} would then be paid within XXXX days of that XXXX day from the initial deposit. The XXXX day would have been XX/XX/XXXX according to the first time i spoke with Citi customer support. {$50000.00} was deposited by XX/XX/XXXX and is still in the account today XX/XX/XXXX with no bonus paid. 
I contacted support again on XX/XX/XXXX via their app chat and they confirmed I qualified for the bonus and would receive it in the first week of XXXX. No bonus received, no contact from Citi. 
I called them on XX/XX/XXXX and spoke with a representative regarding my issue and she explained that she would open a ticket, but was unable to provide me with an ETA on the bonus and advised that I would be contacted within XXXX days. No ticket was opened. 
I contacted support again on XX/XX/XXXX via App chat and they confirmed I should have received the bonus by XX/XX/XXXX. He opened a ticket for me and provided follow up. 
Today XX/XX/XXXX, I received a notice from Citibank that I do not qualify for the bonus because the promo code linked to my account was for a promo period ending XX/XX/XXXX ... somehow XXXX months before I opened the account on Citi 's website.
Complaint sub-issue: Account status incorrect

I did not request these inquiries contact company and company did not see anything on file
Complaint sub-issue: Didn't receive enough information to verify debt

I contacted Macy's/DSNB on XX/XX/2020 regarding a delinquent account on my credit report. I wanted to settle the amount, since the credit was for {$300.00} and the amount owed is {$550.00} ( past due ). They informed me that the could not handle the account and then provided me with another number, XXXX. I then contacted them to see if I could settle the account since I do not have the {$550.00}. They informed me I was not eligible for a settlement ( something about the 7-years statute of limitations ) and could only take care of the account if I send them a MO, check via mail in the full amount. They indicated this was law and I told them how I was not informed about this until now.
Complaint sub-issue: Didn't receive terms that were advertised

I attempted to open an account online for the XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I spoke to a CSR and was told that I did not open the correct account even though I followed the Offer instructions but that the account could be corrected on XX/XX/XXXX. I called back on XX/XX/XXXX and was told by a CSR that I could not participate in the offer. I still want to participate.
Complaint sub-issue: Account opened as a result of fraud

i did not open this account and would like it removed asap
Complaint sub-issue: Billing dispute for services

I never received a bill in the mail from my best buy/Cbna Credit card in XX/XX/XXXX to pay my bill of XXXX.. I  have always paid my card on time from the first time I got it. I called them and they said I had signed up for online billing, when I never have done that and have always got a bill in the mail from them.. it dropped my score from XXXX to XXXX.
Complaint sub-issue: Their investigation did not fix an error on your report

I have previously questioned this account with credit institutions and each time the investigation returned as " verified ''. I decided to go directly to the creditors and file a dispute with them. The lender was unable to provide any form of documentation to verify this particular account with me. If they are unable to verify this account with me- the alleged account holder - there is no way to verify it!
Complaint sub-issue: Account information incorrect

XXXX XXXX XXXX for XXXX XXXX Apartments. I lived in XXXX XXXX XXXX. I was evicted. To this day I cant tell you why. The attorney representing XXXX XXXX claims XXXX XXXX sent me a letter dated XX/XX/XXXX advising that eviction had been failed because I failed to recertify. The court documents detail the reason for eviction was unlawful detainer with {$0.00} money owed. 
In XXXX of XXXX, I told XXXX XXXX ( XXXX XXXX staff member ) that my fianc was moving to XXXX and we would probably be looking for a house. She explained the month to month clause built into the lease. She asked me to give her a 30 day notice if I was going to move out and I agreed. My then fianc moved to XXXX, AL with his XXXX XXXX XXXX son XX/XX/XXXX. I came home one day in XXXX of XXXX and the letter dated XXXX XXXX, XXXX was on the door. I went to the office to find out what was going on. It turns out per XXXX " There was miscommunication and power struggle '' going on between XXXX XXXX management and I got caught in the middle. XXXX referred me to XXXX because the issue was " above her pay grade ''. XXXX told me to disregard the notice and gave me an updated lease to take to the school to enroll my step-son. I took the lease to XXXX XXXX XXXX and enrolled my son. Shortly after that, I received an actual eviction notice. I responded to the complaint. I did not understand because I was a model tenant. I was quiet. I did not owe any money. After receiving the eviction notice, I still paid my rent but the attorney representing XXXX XXXX sent it back to me. 
The attached eviction complaint says that I was evicted because the lease expired. The statement of claim say I owe {$0.00}. In XXXX of XXXX, XXXX XXXX XXXX sent my money order back claiming my lease has expired. XXXX XXXX XXXX, XXXX ruled on XX/XX/XXXX that if I moved by XX/XX/XXXX I would not have to pay anything. I rented a XXXX XX/XX/XXXX. I placed the key in the drop box XX/XX/XXXX. I did everything I was asked to do and they reported {$2100.00} to the credit bureau without notice ; or an explanation. I have disputed this false reporting through Equifax, XXXX, and XXXX. I provided the supporting documentation and they did not conduct an investigation. As a matter of fact, the Equifax rep deigned receiving the supporting documentation until I provided a tracking #. The corporate office of XXXX XXXX can't tell me why the {$2100.00} is being reported because XXXX XXXX has a whole new staff. The apartment was left clean. I paid XXXX the cleaning lady to clean and take pictures.
Complaint sub-issue: Reporting company used your report improperly

I do not consent to authorize nor benefit from the following account ( s ). Block and Remove!
Complaint sub-issue: Billing problem

On XX/XX/XXXX I was charged a late fee in the amount of {$23.00} that was paid with XX/XX/XXXX 's payment on XX/XX/XXXX totaling {$480.00}. Since the payment was paid, I have asked XXXX to properly apply the late fee payment ( going on 6 months now ) and every time I am given a different answer as to why it hasn't been applied or how long the process will take to have it applied correctly. I set up automated payments starting XX/XX/XXXX ( which the XXXX is my due date ) and on XX/XX/XXXX I called in and made a principal only payment for {$500.00}. The payment was applied as a regularly monthly payment for XX/XX/XXXX ( even though I had my automated payment set up to go through on XX/XX/XXXX ). I made it very clear this was a principal only payment and regularly checked my online account to see if it had applied as requested. Approximately 5 phone calls later did the {$500.00} principal only payment get applied correctly ( not until XX/XX/XXXX - 15 days later ) and the late fee is now back on my account as of XX/XX/XXXX when it was paid on XX/XX/XXXX!! 

I am done calling this company and spending at least 15 minutes on the phone to have payments applied correctly. When I call in and ask why the payments aren't applied correctly I am told the " system doesn't recognize late fees and it has to be processed manually '' but there is no guarantee it will get adjusted and can't be told a timeframe. I'm sorry, but as a LOAN SERVICING company XXXX   should be equipped with the technology to PROPERLY apply payments in a reasonable timeframe - again my late fee issue is from XX/XX/XXXX it's now XX/XX/XXXX!!
Complaint sub-issue: Old information reappears or never goes away

I PREVIOUSLY HAD 2 ACCOUNTS WITH XXXX XXXX XXXX  IN XXXX OKLAHOMA, ONE OF THEM WAS A JOINT ACCOUNT. THE ACCOUNT WAS SHOWING AS CLOSED AND CHARGED OFF. I DISPUTED THE CHARGES AND NOW THEY HAVE REAPPEARED AS IN COLLECTIONS. THIS IS AFFECTING MY CREDIT SCORE AND NEEDS TO BE DELETED, CORRECTED AT BEST.
Complaint sub-issue: Account status incorrect

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX XXXX-Date of Inquiry XX/XX/XXXX XXXX-Date of Inquiry XX/XX/XXXX
Complaint sub-issue: Problem with fees

I had a Citi AAdvantage Platinum Select credit card. I received a statement for the billing period XX/XX/20 - XX/XX/20 that had a balance of {$350.00}. Payment due date was XX/XX/20. I attempted to make the full payment on XX/XX/20. However the credit card company credited the payment on XX/XX/20 and charged me a late payment fees of {$25.00} and interest of {$4.00}. I called Citicard in XXXX and attempted to get the late charges and interest charges removed. The representative said that he was having 'system ' problems and he would take care of it. I requested that my account be closed and he closed my account. In my account statement of XX/XX/20 - XX/XX/20 the late payment charge and interest charge was still there and the balance owed was {$30.00}. I assumed that this would be removed as the representative had told me and the account would be closed. 

In the account statement covering period XX/XX/20 - XX/XX/20 another late payment charge of {$25.00} was added with interest of XXXX cents for a grand balance of {$56.00}. I called today and spoke to a representative and explained the problem that this account had been closed a couple of months back after i had paid the full amount and the Citi representative that time had agreed to remove the late charges and close the account. Instead of removing another late payment charge of {$25.00} had been added plus XXXX cents of interest. This representative attempted to help but was unable to because the 'system ' would not let him. He escalated this up to someone who escalated this further up but to no avail. The 'system ' would not let them remove the 2 late charges of {$25.00} each plus the accumulated interest. This whole process took half a day of my time. So my complaint is about this imaginary 'system ' that allows Citi to get away by imposing late charges on late charges. I attempted to close the account after paying the balance in full 2 months ago and here I am still owing Citicard.
Complaint sub-issue: Non-sufficient funds and associated fees

Hi my name is XXXX Im being a Citibank bank client for 7 years. My financial situation is like a roller coaster because I have XXXX so when Im in good heath I work full time but sometimes I get I XXXX XXXX   XXXX  and I ended up in the hospital so thru since XX/XX/XXXX to today XX/XX/XXXX Im being charge {$1000.00} overdraft fee and return payment fee. When I call they dont want to help at all and when I went to the Citibank facility I explain to them my situation and they not willing to help its hard to being nock the door and no being heard and on the top of all I got a friend of my who work on the XXXX facility as a teller when she was training her draw was short {$700.00} and the manager said it was ok so. Me as customer being maltreated felling like Im begging for money. When i trying to apply for checking plus they told I dont qualify cuz I dont have a social security.
Complaint sub-issue: Credit inquiries on your report that you don't recognize

These credit accounts are unauthorized and need to be removed from my credit report immediately.
Complaint sub-issue: Funds not received from closed account

Around XX/XX/2022, I tried to deposit a check ( a safety deposit returned by my apartment ) into CITI bank. Two days later, I found out that my account has been closed. I called the bank and learned that they defined this deposited check as a fraudulent activity. They want me to provide a number for my apartment so that they can call and confirm the identity of the check. However, every legitimate number I provided to them was denied. They claimed that those numbers do not match their " public record ''. Instead, this check is cashed and held by CITI bank so that no other parties can cash it. After persistent calling every day, my call was finally picked up by the CITI bank USA fraud prevention department ( instead of the outsourced XXXX department ). The representative was able to verify with the issuing bank of the check that the check is valid. However, It was already about one month after the incident. They confirmed my current address and promised me to send the remaining amount in my account and the check ( that they thought this was fake ) to me. 

Two weeks have passed, and I never received a single thing from them. Due to a huge financial burden, I had to take a trip to New York, where I can visit a physical CITI branch. The bank manager helped me to call the CITI bank fraud prevention department and promised me that they will send out the two checks to me. Two weeks have passed, I still got nothing from them. Desperately, I tried to call them last week. After hours of waiting on the line for a representative, they keep referring me to other departments of the fraud department. More than 4 representatives told me rudely that they don't deal with this matter. I am out of options.
Complaint sub-issue: Debt was paid

I was given a notice to vacate XX/XX/2015. I paid for XX/XX/XXXX then vacated XX/XX/XXXX. I have proof of payment on my bank statement of this transaction on XXXX/XXXX/2015. I am now being asked to pay {$3100.00} for early termination fees along with rent due when it should be {$1900.00} because I paid a full month 's rent of {$1200.00} for XX/XX/XXXX just before I left on XX/XX/XXXX.
Complaint sub-issue: Information belongs to someone else

On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. This was over 60 days ago and I have not received a response yet. I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ) of the Fair Credit Reporting Act plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from 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 this situation has caused men. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.
Complaint sub-issue: Information belongs to someone else

How many dispute letters and CFPB Complaints do I have to submit to the Credit reporting Agencies to have the disputed fraudulent account and information deleted from my Credit File. It has been a battle going through this and I am submitting yet another CFPB complaint to request to the Credit Bureaus to delete the following fraudulent information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge nor accounts. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. Under the Fair Credit Reporting Act section 605b, the Credit Reporting Agencies are required to remove the disputed accounts and information completely from my Credit File. Once again, please delete the following accounts and information completely from my Credit File as soon as possible : XXXX A XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX Balance Owed : {$150.00} XXXX FI XX/XX/2020
Complaint sub-issue: Frequent or repeated calls

I am dealing with the death of my grandfather who just died last week I told XXXX bank I will contact them after I finish handling these family emergencies
Complaint sub-issue: Didn't receive enough information to verify debt

Not my account need verification
Complaint sub-issue: Account status incorrect

My complaint is against Equifax : On XX/XX/XXXX an auto loan was issued to me from XXXX. Due to a miscommunication, the loan was not paid for a period of time and was repossessed, but redeemed within a 24 hour period. The loan was paid in full as of XX/XX/XXXX and the account at XXXX was closed. <P/>In XX/XX/XXXX when applying for another auto loan it was brought to my attention that Equifax were reporting the current status on the XXXX loan as " repossessed '' and was reporting various inaccurate " late payment '' marks from multiple dates from XX/XX/XXXX-XX/XX/XXXX after the account had been paid and closed. In speaking with XXXX, they reported that they had not been reporting any late payments since closing the account. Three separate disputes were filed with Equifax ( completed on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ) to correct these inaccuracies and each time the current payment status remained " repossessed '' and the late payment marks remained inaccurate. Each time a dispute was made and completed, the pattern of late payments changed as well, although was still reporting dates after the account had been closed ( See attached : Equifax Credit report filed XX/XX/XXXX ). <P/>As of today, XX/XX/XXXX, Equifax is reporting there were two on-time payments made in XX/XX/XXXX and XX/XX/XXXX and one missed payment in XX/XX/XXXX ( See attached : XX/XX/XXXX Screenshot XXXX ) Note : Inaccuracies are also reported in the same way from XXXX and XXXX credit reports, although when comparing them the payment history does not report the same patterns ... see XXXX and XXXX attachments
Complaint sub-issue: Debt is not yours

On XX/XX/2019 I disputed an account reported by XXXX XXXX ( Original Lender XXXX At XXXX XXXX   ) in the file maintained under my Social Security number. I was informed on XX/XX/2019 that the item was deleted from my credit report. Now I have discovered that the item has been reinserted on my credit report under the name Enhanced Recovery Company. In accordance with the requirements of the FCRA section 611 ( a ) ( 5 ) ( B ) ( ii ), they are required to notify me of the reinsertion in writing within 5 business days. ( B ) Requirements relating to reinsertion of previously deleted material ( ii ) Notice to consumer If any information that has been deleted from a consumers file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification.
Complaint sub-issue: Information belongs to someone else

i am a victim of fraud regarding an account called " XXXX XXXX XXXX  '' on my credit report. i sent a letter of fraud disclosing a form of the FTC REPORT # XXXX with a request to block fraudulent account as it states in the FCRA-605B and the company refuses to block or remove account from my credit report that is preventing me from receiving credit
Complaint sub-issue: Attempted to collect wrong amount

I went into the office XXXX XXXX spoke with kierra stating that I needed a notice to vacate. I am a current resident under section 8. In order for us to move we have to have a notice to vacate. XXXX gave me notice I have the copy. In XXXX I also had several inspections that failed to meet the requirements do to liberty commons maintenance not fixing them. So the inspector told me I have 10 business days to let them know will I be staying or leaving. I decide to move. On XXXX XXXX I started moving all my things from XXXX XXXX I sleep there an I return my keys on XX/XX/2022. I have copies an cameras seeing me load the truck and leaving an turning the keys in. I received a letter in XXXX stating I owe them for XXXX rent an XXXX. Section 8 pays all my rent. So I met with XXXX an she was upset so I ask could I have the manager number. An they was going give me a call next business day to look at there cameras. No one call so I email the manger no one got back. Sent out all the paper showing I didnt owe that money an im study trying to get charged