BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-11
Company: SUN WEST MORTGAGE COMPANY, INC.
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We refinanced our home with XXXX, who sold our mortgage to SunWest Mortgage. We set up our mortgage on automatic payment, so there have been no late fees. 
An escrow account was set up as part of the refinance. We were supposed to have two months " buffer, '' and during the refinance, {$480.00} was placed in the escrow account, with {$300.00} escrow payment due each month to cover Homeowner 's Insurance, FHA Insurance, and County Taxes. We just completed our first year, and our property taxes went up by {$100.00} for the year. As of today, we had over {$700.00} in our account, which is more than the 2-month buffer. 
SWMC raised our mortgage from {$1300.00} to {$1400.00} and they claimed they want our " starting balance for the new year '' to be {$1100.00}, which is about 4-5 times the original 2-month buffer. 
SWMC claims it is for the upcoming year 's anticipated " shortage '' based on their " analysis. '' Our escrow only covers 3 items to analyze as previously stated : Property taxes, FHA Insurance, and Homeowner 's Insurance. The FHA Insurance is not going up. The Homeowner 's Insurance has no claims ( and has never had a claim in 10 years ), so its rates are n't going up. That leaves an anticipated increase in property taxes. 
From the time we refinanced until this year, there was a {$50.00} shortage in our taxes, which they just took out this month. 
Currently, we were told we have a $ XXXX balance, and our taxes are due in XXXX. SWMC wants to pay the taxes early ( in XXXX ), claiming that when they do so, we will be in the negative because they will also pay FHA at the end of the month. 
They raised our Escrow to {$310.00} ( from {$300.00} ) to cover the difference in taxes. Then they added another $ XXXX/mo on top of the adjusted escrow payment each month. The new escrow payment is high enough that it will cover ALL payments ( taxes, property insurance, and FHA insurance ), and by this time next year, the buffer will still be there. 
Basically, SWMC wants to add another {$500.00} slush fund at our expense, yet they have absolutely no mathematical or legal justification to take this extra {$500.00}. 
The Math : FHA Insurance {$150.00} X 12 months = {$1800.00}. 
Property/Hazard Insurance ( 12 months ) {$650.00}. 
Property Taxes ( 12 Months ) {$1300.00} TOTAL YEARLY REQUIRED ESCROW $ XXXX Monthly escrow amount needed to cover {$3800.00} charges : $ XXXX/month Current Principal and Interest payment : {$1000.00} + {$320.00} ( adjusted for tax increase ) TOTAL NEW PAYMENT : {$130000.00} SWMC NEW Payment : {$1400.00} If the $ XXXX/month payment shown above covers ALL escrow expenditures IN FULL, and borrowers still have the 2 month required buffer, how can they legally raise our payment an ADDITIONAL $ XXXX/mo. ( $ XXXX/yr ) above the newly adjusted, higher escrow amount?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: Receivables Performance Management, LLC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received multiple calls from phone number XXXX A revrese lookup said theyare Receivables performance management located in XXXX va. They are looking for someone named XXXX XXXX. I have told them i dont know who she is but they keep calling me asking fer her hanging up etc. Once person went so far as to say well records show you have the same address. She was most likely the person that was renting here before me. I dont know how they got my number they just need to stop calling me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: ACQ Holdings, LLC.
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Repeated calls, a lot outside of XXXX - XXXX. They use abusive language, and threatened to take legal action.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Regional Management Corporation
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
Received a random mailer with a check for {$2000.00} that could be deposited with only a signature endorsement. Loan carried 29 % APR. 

This is predatory lending at its finest. Exact quote from mailer, " So be good to yourself and take advantage of this offer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: National Credit Adjusters, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I am continuously receiving phone calls throughout the day from a company by the alleged name of National Credit Adjusters. They continue to leave some sort of robotic like message stating that they are attempting to collect on a debt. Sounded very suspicious in nature. The recording sounded foreign like, with broken XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: National Credit Adjusters, LLC
State: OH
Product: Payday loan
Issue: Can't contact lender

Complaint:
This company is called National Credit Adjusters and they took over a loan that I paid in full through a consolidation program, however, they continue to harass my personal phone and are calling me on my work phone everyday and I have asked them to stop. I have sent them cease and desist letters from my lawyer and they continue to call. The phone number is XXXX OR XXXX - they will not quit calling and I do not owe them money. This is a FDCPA Violation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: SQUARETWO FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
I was sent an unsolicited credit card from XXXX XXXX XXXX XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. CACH LLC bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again in XX/XX/XXXX XXXX. I worked odd, temporary jobs during that time and finally found another full time job in XX/XX/XXXX XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But in XX/XX/XXXX, CACH froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to XXXX XXXX XXXX in XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Rush card sent text messages telling all customers to withdraw what ever cash they needed from there account on Sunday because they where upgrading the system and it would be down Monday from XXXX-XXXX now its. Wed and everyone cash is tied up no balance shown and even if it does you ca n't spend it

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-23
Company: CITIBANK, N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Re : Our personal Escrow Account On XXXX XXXX, 2016 a new payment statement was issued by CITI Mortgage changing our monthly payment from {$970.00} to {$1100.00} beginning XXXX XXXX, 2016. CITI Mortgage indicated by their estimation only that the property tax will increase for this year of 2016. We feel the increase of a monthly payment of {$170.00} is unfounded by CITI Mortgage to cover an escrow deficit for this year of 2016. 
XXXX County of Michigan had mistakenly added {$800.00} to our summer tax valuation due to an address error. We have all of our mail delivered to the XXXX. XXXX. The mail for our tax statement was sent to our physical address. The post office returned the statement back to XXXX XXXX XXXX Department, implying that we did not live at this address. If the owner does not reside at a taxable residence, the summer taxable value is higher in XXXX County. We confirmed to the XXXX of XXXX and XXXX County that we are indeed living in our residence and always have throughout the duration of ownership.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: CITIBANK, N.A.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I continuously tried to explain to the representative that this was NOT my debt!! I also explained to them that I am in the process of getting a home loan and it is creating a problem for me to get my loan.. Due to the fact that it was stopping me from qualifying for my home loan I just decided to pay them.. But still acknowledging it was NOT my debt! But I needed to get this house for my family I just paid them to get this off of my 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 2015-05-30
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Paid {$3500.00} on a Citi card to pay it off because they said they would keep the line of credit open if I paid it off. It was in my husband 's name, not mine. Although, I knew I was not responsible to a point, I knew it would hurt my credit and he was going to be out of work for awhile and we needed to keep the line of credit. So, we borrowed the full amount and I made the payment in full. They processed the payment to his bank where the money was not and they knew to process the payment to the primary bank account which was mine. They said since the actual payment did not post in the right amount of time they had to close the account. So not only did we not have the money for his treatment, this is wrong. They made a mistake and they know it. Now also, my account has been removed from the credit account because they know they messed up. Citi bank is corrupt. I have all faxes and print outs. I would print everything on everyday. So I have all documentation. 

Please assist.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CITIBANK, N.A.
State: MO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
First. let me start by saying I am trying my best to remain loyal to Citibank and continue to use their credit cards. However, they are making it almost impossible for me to do. While on vacation in XXXX XXXX, XXXX XXXX I somehow lost my entire wallet and cellphone. After realizing I did n't have my cell phone or wallet I called Citibank to inform them that I had lost my wallet and cell phone. Upon calling Citibank to inform them on XXXX/XXXX/2015 that I had lost my wallet and cell phone and to also inform them that when I logged on to account I noticed several charges that was pending and I never authorized the charges. I had last used my card for the XXXX XXXX stay and a XXXX purchase in the amount of {$39.00}. I was never able to advise Citibank of this as I was only met with their notorious terrible, rude, and unprofessional customer service. All the representative kept telling me was the card was temporary blocked and unless I have the code that was sent to my phone their was n't anything Citibank could do for me. Are you serious? I just brought to your attention that not only am I vacation I have lost my wallet and cell phone and I just informed you that I noticed charges on my account that I did n't authorize. All you can tell me is unless I have some code there is n't anything you can do for me. That 's customer service? Yet Citibank claims to pride themselves on great customer service. The mere fact I informed Citibank that I noticed charges I did n't authorized should have been more then enough concern for them to at least close down the account and issue me a new card. I could have called them when I got home and gotten a replacement phone to address any issue about some code they where talking about. As a result of Citibank not taking such measures and claiming to have a concern about the so called security of my account I logged into my account today XXXX/XXXX/2015 and notice over XXXX new pending charges. I guess the temporary blocked was just that " Temporary ''. Not only did Citibank allow the new charges to go through, they allowed many charges to go through even after my credit limit was exceeded. I showed over XXXX charges at the same XXXX. That should have been another reason for them to close the account down until they could talk to me even if I had never contacted them.Why would Citibank allow any new charges on XX/XX/XXXX and XXXX/XXXX/2015 to go through after I just informed that I lost my wallet and cell phone. So now I have over XXXX fraudulent charges on my account from XX/XX/XXXX to XX/XX/XXXX. Not once did Citibank do anything to prevent this from happening. Citibank is completely unbelievable. I just cant believe this even as I write this message.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-16
Company: Comerica
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
A few {$1.00} and {$2.00} " Service Charges '' appeared on my business checking account. They are not itemized or described on the statement. When I called and asked the bank manager about them initially XX/XX/XXXX, she said they were fees for international transactions. Today when I called to ask about these continuing charges ( among other things ), the current manager gave a similar explanation, saying the fee is for " international ACH transactions. '' This does not make sense because XXXX, the medium through which I was making the cited payments, is a domestic business, and any ACH transfer involved should be domestic, regardless of where the money ends up. I pressed the manager at my branch about this, but she insisted it was for international transactions, and by the end of the call she was insisting it was a " fee from XXXX, '' which makes even less sense because XXXX has not been involved with any of these transactions. I confirmed with XXXX support that these transactions are not international in nature and so should not be incurring " international '' service charges from my bank. I think Comerica is charging an unnecessary and unjustified fee without proper explanation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CITIBANK, N.A.
State: WI
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citi Bank had a {$400.00} checking promotion for keeping {$15000.00} in an account for 30 days. Around XXXX/XXXX/16 I opened an account with them and sent {$15000.00} for deposit. They sent an email that went to my junk mail requiring more information. Since I did not receive it, or any other contact from them, they moved to close the account with no activity. Around XXXX/XXXX/16, I called them to see the status of the account. I was told it was closed, but reassured by the Citi representative that if I opened a new account, I was still eligible for the bonus. I did so, and fulfilled the bonus requirements. I contacted Citi in late XXXX to see where the bonus was, and they said they could not give me the bonus because I had an account opened within 60 days of the latest XXXX ( the XXXX that was automatically closed ), directly contradicting what I had heard from their own customer service representative very specifically telling me I was still eligible for the bonus. We went back and forth and they absolutely refused to honor what their employee had told 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 monetary relief
Consumer complaint received 2016-08-05
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Other

Complaint:
I electronically sent a 2 payments totalling a full payment to Citi Double Cash ( XXXX XXXX, 2016 and XXXX XXXX, 2016 ) before a XXXX XXXX, 2016 due date and was assessed interest when my second payment was not processed until XXXX XXXX, 2016. On XXXX XXXX, 2016 I was assessed interest of {$10.00} because Citi claims I did not pay in full by XXXX XXXX, 2016. This was not a case of late payment, just a case of payment processing past the due date. On XXXX XXXX, 2016 and XXXX XXXX, 2016, I sent in a combined full payment to Citi Double Cash before the XXXX XXXX, 2016 due date and was again assessed interest of {$17.00} on XXXX XXXX, 2016. I challenged the XXXX XXXX, 2016 interest because my XXXX payment was processed well before the due date. I was told that Citi is allowed to charge interest for AT LEAST 2 months, whether or not full payments are made by the due dates, if a payment is processed late. I checked my other credit card terms and none of them has this abusive means to collect at least 2 months of interest. Here 's what Citi claims they have a right to do. 

" If you do not pay the New Balance in full by the due date, you will not get a grace period on purchases until you pay the New Balance in full for two billing periods in a row. ''

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 2023-07-14
Company: EQUIFAX, INC.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible minority individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, Trans Union and XXXX. Please inform me about how I can pursue to challenge and correct this matter, 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 2016-01-12
Company: CITIBANK, N.A.
State: AL
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Fees

Complaint:
I just tried to use the remaining balance on my XXXX CitiBank gift card but could not as it had expired. I then went to check my balance and saw that my money had been stolen in the form of an " Balance Expiration Fee ''.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a promotion for XXXX XXXX after completing specific requirements. 

" Within 60 days after account opening : you spent the required minimum amount ( {$1000.00} ) using the Citibank Debit Card Completed 1 qualifying bill payment to the new checking account during a calendar month and during the following calendar month " I have completed this and never got my points, I have requested twice for reviews and nothing has happened.

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