BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2024-02-01
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am writing this letter in response to the collection on my credit report from CCS Collections  regarding an alleged debt of {$650.00} from the original creditor, XXXX XXXX. As per my rights under the Fair Credit Reporting Act ( FCRA ) Section 609, I am requesting validation of this debt.

I am disputing the validity of this debt as CCS Collections has not provided sufficient proof that the debt belongs to me. Pursuant to the FCRA, I am entitled to request verification and validation of the debt, including but not limited to the following information : 1. Verification that CCS Collections has the legal authority to collect this debt. 
XXXX. Documentation showing the original signed agreement between myself and XXXX XXXX for the insurance services rendered. 
3. Verification of the original account number and the date of the alleged debt.

4. Itemized statement detailing the breakdown of the alleged debt, including any interest or fees. 

I am also requesting that all communication related to this debt be ceased until the validation process is completed in accordance with the FCRA. 

Please be advised that failure to provide the requested validation within 30 days from the receipt of this letter will result in the debt being considered invalid, and CCS Collections will be required to remove any negative reporting associated with this debt from my credit report.

I am exercising my rights under the FCRA in good faith and expect CCS Collections to comply with the law. I appreciate your prompt attention to this matter and the timely provision of the requested validation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01
Company: CITIBANK, N.A.
State: FL
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
Since XXXX XXXX  I started using the CITY credit card, the initial interest was 22.99 %, at the present moment I realize that the interest is 29.99 %. I have been making my payments on time every single month without fail. 
I have called the company several times inquiring about an answer, even though I did not receive any notification from them 45 days before every time they raise the interest.

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 2024-02-01
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: IA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
On XX/XX/XXXX I noticed 2 unauthorized debits were taken from my checking account, on that very day, {$6000.00} to XXXX XXXX XXXX, who did not receive and funds and the second was {$4900.00} that was an online check payment made on my account from XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX to XXXX XXXX endorse and cashed at a XXXX Bank. 
I went to the BMO branch and reported the fraud and filed the proper forms. The {$6000.00} was refunded to me on XXXX XXXX. However the other funds have not been refunded and they will not talk to me about my case and the branch said it's because it's an identity theft investigation. I have asked the branch to give me updates and they said they can not and I would have to all corporate, corporate said they can not give me update and I need to call the branch, so around and around I have gone I have copies of the check front and back.

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 2024-01-31
Company: CITIBANK, N.A.
State: NC
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Went on XXXX XXXX on XX/XX/XXXX had a XXXX XXXX. 
XXXX balance had a XXXX XXXX. 
XX/XX/XXXX had a balance of {$350.00}. 
XX/XX/XXXX balance of {$11.00}. 
XX/XX/XXXX balance of {$11.00}. 
XX/XX/XXXX balance of {$40.00} ( {$11.00} plus {$29.00} late fee ). 

XXXX XXXX contacted me on XX/XX/XXXX regarding a pass due report on their report Contacted Citi Bank and they stated the balance is {$140.00}. ( {$11.00}, plus 2 late fees of {$29.00} each, and a S/O charge fee of {$80.00} ). Request on why they did not contact me by phone or email due to me being XXXX? stated they sent mail and that the XXXX fee is a payroll deduction fee insert after 90 days. Stated they would remove one late fee of {$29.00} if i paid off balance. I paid {$120.00} on XX/XX/XXXX, CITI bank credited my account of {$29.00} to now have a XXXX balance.

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 2024-01-31
Company: CITIBANK, N.A.
State: IN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
I have returned my item from Best Buy and was still charged. I have struggled to pay an item that was returned. Ive reached out and they did not assist me properly XXXX XXXX Online order 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 2024-01-31
Company: MCMC Auto LTD
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
McMc Auto/ MIKE CARLSON MOTOR COMPANY did not follow through on their word with completing removing this paid off debt from my credit reporting. This company is unjustifiably claiming debt that has already been settled. Again, They did not completely remove this from my credit reporting like they agreed. I demand this account be deleted from my credit report immediately. This company has failed with conducting proper business.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-15
Company: Atlanticus Services Corporation
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This account is disputed in its entirety. I demand proof of debt including a complete cardmember agreement which will include any arbitration provisions or provisions regarding class actions permissibility. Every account of mine has been disputed with cease and desist notices sent to every credit which was served upon every creditor on cease and desist notices filed in CFPB complaints on XX/XX/2023. If disputed account was purchased, debt buyer must produce copies if cardmember agreement and documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-30
Company: Javitch, Block & Rathbone LLC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Someone came to our house on XX/XX/2024 @ XXXX XXXX He was flashing his flashlight XXXX looking around. We didn't know who he was so we didn't answer the door. He came back XX/XX/2024 at XXXX XXXX. My dog was going crazy so I asked who he was. He said he had papers and I told him I'm not opening my door. I told him I'm going to call the police if he doesn't leave. He said he had papers for XXXX XXXX. I asked him to leave again and told him I will call the police. He pretended he was the police but left the property but took pictures of my home. The police was also called and I was told if he comes back we can do a trespass warrant but he had to be there to do it and was told we don't have to answer or door. The guy also said we didn't have to sign the papers which was a lie in attempt to get us to open our door. The lawsuit came from a place called Javitch Block LLC and the phone # is XXXX XXXX XXXX. They will not answer their phone and I felt threatened in my own home by the person they sent out.

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 2024-01-31
Company: SUNRISE CREDIT SERVICES, INC
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I am writing to inform you that I have never had an account, agreement or contract with your company, Sunrise Credit Service. It has come to my attention that inaccurate information related to an alleged and previously disputed and corrected debt has been reported to credit agencies, negatively impacting my credit report. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I am formally disputing this information. As per 15 U.S. Code 1692a ( 3 ), I am the consumer, and you, Sunrise Credit Service, are the debt collector under 15 U.S. Code 1692a ( 5 ). Citing 15 U.S. Code 1692c ( c ), I am invoking my right to cease communication, and I demand that you terminate all further efforts to pursue this alleged debt, as outlined in 15 U.S. Code 1692c ( c ) ( 1 ) and 1692c ( c ) ( 2 ).

Additionally, I am acting as the executor under 15 U.S. Code 1692c ( d ), emphasizing that debt collectors are prohibited from engaging in any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt, as per 15 U.S. Code 1692d.

Furthermore, your reported false credit information, as indicated in 15 U.S. Code 1692e ( 8 ), and the false representation or implication that accounts have been turned over to innocent purchasers for value, per 15 U.S. Code 1692e ( 12 ), are clear violations. I am also drawing attention to the violation of 15 U.S. Code 1692f regarding unfair practices, as well as your failure to cease collection efforts until verification of the debt, which is mandated by 15 U.S. Code 1692g ( b ).

Finally, I want to bring to your attention the civil liability outlined in 15 U.S. Code 1692k, which holds debt collectors liable for damages resulting from non-compliance with the provisions of the FDCPA. Considering the serious nature of these violations, I request an immediate investigation into this matter and the removal of all inaccurate information from my credit report. Failure to comply may result in legal action.

Sincerely, XXXX 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 2024-01-28
Company: LoanCare, LLC
State: AZ
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Per the CARES Act initiative the the Dept of Treasury in response to disparities occurring during XXXX, I reached out to the mortgage company in XX/XX/2020 after my job had been cut due to XXXX occurrence. I spoke personally, with a representative from the mortgage company, informed them of my situation, and during the phone call I was asked a series of questions that the representative informed me would be submitted for initiation of the forbearance immediately. I was informed by the representative that I did not have to make any payment until instructed to do so once the forbearance expired. 
I didnt receive the paperwork indicating that my forbearance have been approved effective XX/XX/2020. During that time I made multiple attempts to reach a representative by phone to discuss the XXXX payment that had not been made per my conversation with the representative the previous month. As many companies had decreased their staff during the pandemic, I was never able to reach a live representative, and a voice recording on their end, said to call back at another time. Due to this discrepancy in Loancares processing of this paperwork, they have counted every month as a non-payment on my credit report, which is in direct violation of the CARES Act. if they are unable to get this issue, resolved, I will take this case to those that oversee direct violations of the CARES Act.

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 2024-01-26
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: WA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I was paid on XX/XX/year> to an XXXXXXXX XXXX XXXX account, and late that evening initiated a transfer of money to BMO Harris Checking account to be able to pay my upcoming BMO Harris Mastercard bill due XX/XX/XXXXXXXX XXXX 
When I saw that the money wouldn't be transferred in time ( due to artificially imposed bank transfer slow downs ), I did the minimum payment with the understanding that it would cancel the automatic full payment. It did not cancel the full payment, and the full payment was taken. Since my checking account did not get funded in time due to the slow bank transfer, I was charged a {$25.00} returned payment fee. 

So even when I tried to pay the card twice before the due date, I was still charged a {$25.00} fee even though I was " in compliance ''. There is also no cost to the bank or the credit card for debiting my account when the transfer had not happened, so this is clearly just a " junk fee '' that the federal government is looking to ban. 

I called the bank, but they suggested that's just how the system works, and I have to pay their junk fee. 

How can we avoid these " junk fees '' that happen ( with no cost to the bank ) even when I am trying to be in compliance by transferring the money early, or making an on time, minimum payment? 

Also note, the next time, I actually disabled the automatic payment before my payment was due, but the full payment was charged anyway because I didnt disable the autopay " early enough ''.

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 2024-01-29
Company: CITIBANK, N.A.
State: MD
Product: Credit card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I got a merchandise that was supposed to be for zero interest payment for 5 years as told by the agent at the store and I have been making my payments expecting it to be less than XXXX XXXX. Then the homedepot credit card came and raised the interest to a point I am unable to afford. The credit card have been canceled a long time but they are still increasing fees each month

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 2024-01-23
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I ordered a Citibank American Airlines card a couple of years ago. They opened an account for me and sent a card, but it's not the AA card, it's a different one. So I applied for the CitiAA card again. They did the same thing to me TWICE more- kept sending me a different card than I had applied for. Now I have 4 Citibank cards. Because of my income and credit, I had high credit limits, i.e. up to $ XXXX. Then they sent me a couple of 0 % balance transfer offers, on a couple of those cards. I took advantage of these, and did not max out those accounts when I did so. I still had plenty of available credit. I did not use those cards at all, and paid much more than the minimum payments on all accounts, well before due dates, while the 0 % interest rate was in effect. My credit report shows I have always paid as agreed. Nevertheless, Citi arbitrarily reduced my credit limits on JUST THOSE CARDS to just a couple of XXXX dollars above the balance, thereby causing my credit score to drop. I know this, because the amount of unused credit on a card has an effect on your XXXX score, and I was in the process of refinancing a property I own when they did this. Citi 's actions caused my credit score to drop, which in turn caused me to have to pay a higher interest rate on the mortgage. I called Citi and spoke with a couple of people about it who said there was nothing they could do. The refinance paid off these cards, and then I received ANOTHER balance transfer opportunity ( 0 % interest for 12 months again ) on a different Citi card. I took advantage of this, and then almost immediately Citi reduced the available credit to just a couple of XXXX dollars over the balance, causing a hit to my credit score AGAIN. This time I have proof of the change. I don't have proof from the 1st time. Please see the attached documentation. Citi should STOP the practice of arbitrarily reducing credit limits on the public when someone takes advantage of the XXXX percent balance transfers. Also, they should send you the card you applied for, the FIRST time. This appears to be almost a mercenary practice, potentially harming people 's credit scores just so Citi can show that they carry a lot of accounts, and have more capability of profiting when the 0 % interest rate expires. Once that interest rate expires, the new interest rate is 29.99 %. THIS SEEMS LIKE USURY TO ME. They try to trap the consumer.

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 2024-01-15
Company: Specialized Loan Servicing Holdings LLC
State: NE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process
Sub-issue: Payment process

Complaint:
Specialized Loan Servicing ( SLS ) failed to properly notify the Nebraska Homeowners Assistance Fund ( NHAF ) of an increase in my mortgage payment, leading to partial payments and potential future delinquency. This complaint is made under the relevant consumer protection laws and mortgage servicing regulations. 

**1. Statement of the Problem : ** SLS notified me on XX/XX/XXXX, of a mortgage increase from {$1500.00} to {$1700.00}, effective XX/XX/XXXX. However, they failed to inform NHAF through the required secure channels, despite their responsibility to do so. This omission has resulted in NHAF making only partial payments, XXXX, XXXX and XXXX, XXXX, jeopardizing my financial stability and potentially leaving me in arrears after my program participation ends in XXXX, XXXX, when final payment will be made and I am exited from the program. 

SLSs failure to notify NHAF not only demonstrates willful negligence and inadequate loan servicing but also raises concerns about predatory practicesm I have been experiencing with SLS for many years now. Including an incident where a representative of SLS, came to my door and called me " a XXXX XXXX XXXX '' in response to my questioning his intent. 
As a XXXX, XXXX XXXX  and XXXX veteran homeowner, I have years of neglectful servicing by Specialized Loan Servicing to know beyond a reasonable doubt that this oversight is part of a broader pattern of discrimination aimed at leading to foreclosure.

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 2024-01-27
Company: Westlake Services, LLC
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
This account or Auto Loan was opened without my knowledge or consent. My information was exposed in XXXX data breach. I have sent my police report and also my identity theft report and also my identity theft affidavit that Westlake sent to me, Its been well over XXXX months and the account is still reporting my XXXX credit report. According to Section 623 ( a ) ( 2 ) of the FCRA, this is a direct violation of my rights.

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 2024-01-27
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I was assessed a penalty fee for a late payment in XXXX of XXXX. Citi has not removed the penalty rate as of XXXX XX/XX/XXXX without any further late payments. They are unable to remove the pricing issue.

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 2024-01-26
Company: U.S. BANCORP
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am writing to dispute a hard inquiry listed on my credit report that I believe is inaccurate and unauthorized. The details of the inquiry are as follows : Creditor Name : US BANK DS WEST Inquiry Date : XX/XX/23 I did not authorize this inquiry, and I have no record of any recent application or credit request with the mentioned creditor. As such, I request that you investigate this matter and remove the unauthorized hard inquiry from my credit report. 


I understand that, under the Fair Credit Reporting Act ( FCRA ), you are required to investigate disputes within 30 days. I request that you conduct a thorough and timely investigation into this matter, notify me of the results, and make the necessary corrections to 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 2024-01-27
Company: WELLS FARGO & COMPANY
State: CO
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( Section 6 0 4 A Section 2 ) it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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