BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-30
Company: KEYCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had several IRA accounts that were held by XXXX. In 2013, KeyBank bought these accounts from XXXX. In XXXX of 2013, KeyBank closed these accounts - without my knowledge or permission. They supposedly mailed a check to me and they reported this to the IRS as they are required to do. 

I knew nothing about any of this until I received a bill from the IRS a few months ago, stating that I had unreported income in 2013 and owe them several XXXX dollars. 

KeyBank states that sometime in 2013, prior to them closing my accounts, they mailed a form to me to sign if I wanted to keep my IRA accounts open and active with them. I never received this form. I never received the check KeyBank issued in 2013. I never received a XXXX for submitting with my 2013 taxes from KeyBank. Any XXXX of these items certainly would have raised a flag with me.. 

I have been in contact with KeyBank on a very regular, often daily, basis trying to resolve this issue. They finally researched and agreed that I never received the funds. They are willing to send me a replacement check ( for POST-tax funds, not PRE-tax funds as the accounts were established ) *IF*, and only if, I sign an indemnity form holding them harmless and promise no legal action. This is as far as they are willing to work with me. 

I have attempted to contact XXXX XXXX XXXX XXXX, their Chairman and CEO, for assistance, and she passed my request on to their Executive Support Department. The executive customer support department maintains the same position, that this is solely my problem and that they will issue me a replacement check ( post-tax funds ) if I sign an indemnity form holding Key Bank harmless in all of this. 

Frankly, this is an unacceptable resolution. 

KeyBank is unwilling to : Take any ownership of the mistake they made Take any corrective actions for what they did Provide any documentation to the IRS on my behalf indicating that I did not receive these funds in 2013. 
Correct their mistake and either reopen the accounts or roll these funds into another tax deferred account - funds that they have been in possession of this entire time. 

KeyBank states that they are unable to because it would have to be a new account and IRS contribution limits apply. Frankly, this statement is a bit nonsensical to me. They closed the original accounts without my permission ; they can certainly go back and re-open them, especially since they have been in possession of my funds this entire time. It is really amazing to think that I can be made to pay taxes and penalties on funds that I never received. 

KeyBank needs to, and has the ability to, correct this situation by maintaining my funds in pre-tax status and submit amended and corrected information to the IRS, but they are unwilling to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: TCF NATIONAL BANK
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had filed a fraud claim on a company that took money out of my account, and simply wanted to get my money back ( {$190.00} ). I figured it would be easy since I had n't signed a contract, nor did I authorize the payment. Within the week, I was issued a credit of {$190.00} to help me out until I get the refund, and a week later, the credit was withdrawn but yet to receive my refund. I was proceeded to be told that they had to notify the merchant about receiving the money, and that they had to give them 60 days to dispute the claim, and if it goes undisputed, I would receive my money. Within 30 days, the merchant called to notify me that they issued a charge back to my account, but my bank never received it. Now today, the 60th day has arrived, yet no money. I proceeded to call both my bank and then the merchant. The bank said that it is now going into an arbitration to get my money back, but this was new to me. They never disclosed this information about an arbitration before, and did not know I would wait another week. I was not given all the information, and was very frustrated because I am needing that money for food and gas. The merchant claims to have given back the money on XX/XX/XXXX and they e-mailed me that information, but my bank has no record of it. Then, another phone call to my bank resulted in my refund being received but was removed by branch management. Then, I was told the credit that was issued to me should never have been given to me, and I was also told that in the future, I " should n't be giving out my payment information '' which I thought was uncalled for, since she did n't know the whole story. I tried calling the branch that issued me the credit, but there was no number listed. I called the Customer Service again, and was given the number to then only be told that the money has yet to be received. I called the merchant, and they sent me information regarding the bank chargeback, and the merchant would not be able to discuss my account with the bank, nor would they have a record of when the bank contacted them because of some policy. Customer support for my bank was very disappointing, and frustrating. They gave me different scenarios for my problem, yet have no clear answer. It also seems they really made no attempt to contact the merchant, which makes me feel they are not working in my best interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28
Company: KEYCORP
State: NJ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I SPOKE TO MANY REPRESENTATIVES AT THIS " BANK '' AND THEY ARE VERY RUDE AND THREATENING TOWARDS ME AND MY FAMILY. I TRIED TO EXPLAIN TO THEM ABOUT MY FINANCIAL SITUATIONS NUMEROUS TIMES AND THAT I COULD N'T AFFORD THE MONTHLY PAYMENT THEY WERE ASKING. I ASKED IF I COULD THEN SEND WHAT I CAN AFFORD AND I WAS TOLD THAT I COULD NOT DO THAT AND IT WOULD NOT BE ACCEPTED. THEY THEN WOULD THREATEN TO TAKE MY PARENTS HOUSE IF I DID NOT PAY THEM THE AMOUNT OF MONEY THEY WERE ASKING FOR. AGAIN AND AGAIN I HAVE TOLD THEM THAT I CAN NOT AFFORD WHAT THEY ARE ASKING FOR AND ALSO INQUIRED ABOUT SETTING UP SOME SORT OF A PAYMENT PLAN THAT IS SUITABLE FOR MY FINANCIAL SITUATION. THEY CONTINOUSLY WILL THEN SPEAK RUDELY TO ME, SAY NO AND THAT THEY REFUSE TO CONSIDER ANY PAYMENTS THAT WERE NOT THE AMOUNT THAT THEY WERE DEMANDING, MAKE THREATS TO MY PARENTS ON THE TELEPHONE, AND WILL THREATEN TO RUIN MY CREDIT SCORE AS THEY ALREADY HAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28
Company: KEYCORP
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account online, but never received my XXXX XXXX account opening disclosures. Unless I 'm mistaken, they never mailed, emailed or stored them electronically on online banking. I called the call center ( maybe XXXX? ) to find out where I could get them. She told me I 'd receive them by mail in XXXX10 business days. Well, I opened my account on XXXX and I still do n't have the disclosures. How am I supposed to know how to avoid a fee if I do n't have the disclosures?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: RoundPoint Mortgage Servicing LLC
State: OH
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have not received our disbursement check from Roundpoint Mortgage Servicing Corporation. The loan officer at XXXX ( who did the financing ) confirmed the loan was paid off on XX/XX/2016, the {$2100.00} was disbursed to us on XX/XX/2016. He was quick to get back to me. I contacted Roundpoint online thru my account and their secure message center. They have not responded. I have logged another request to them today asking why they have not gotten back to me. I also spoke to them on XX/XX/2016 inquiring about the delay. The representative told me to wait another week. It is now 16 days later since the disbursement and we have not received " the check in the mail ''.

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 2016-09-14
Company: Credit Karma, LLC
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint:
A New York address is on my personal information. I have never lived in New York and this is the 3rd time I have reported this error! What do I have to do to have this wrong address removed?

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10
Company: Nelnet, Inc.
State: FL
Product: Debt collection
Sub-product: Federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter saying I owe a student loan and must send the amount to them.The letter used the US Dept of Educ. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter 10 yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as 5 dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for 5 dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the 5 $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again 2 letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Security Credit Services, LLC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hi, I 've been contacted many times by this collection agency and they are claiming it 's my debt when it 's not. I 've repeatedly asked them to stop and put it in writing for them to stop. I 've disputed the validity of the debt and the only thing they have on me is a SSn. I do n't know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: CAVALRY INVESTMENTS, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Calvary Portfolio is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CAVALRY PORTFOLIO SERVICES IS AGRESSIVELY ATTEMPTING OT COLLECT DEBT ON THIS ACCOUNT EVEN AFTER I SENT THEM LETTER FROM XXXX XXXX AND EVEN AFTER I SERVED THEM WITH CEASE AND DESIST THEY IGNORED ALL REQUESTS TO VALIDATE THIS ACCOUNT AND IGNORED ALL DEMANDS TO STOP THEIR HARASSMENT ON THIS ILLEGALLY OBTAINED BY THEM ACCOUNT. XXXX XXXX STATE THEY NEVER HEARD OF CAVALRY AND DID NOT SELL THIS ACCOUNT TO THEM ... THIS MUST STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I requested for HARP two years back in XX/XX/2013 that time my home appraisal came for around $XXXX and i got HARP refinance. Almost 15 months back i requested for PMI removal but my bank Wells Fargo denied after doing and appraisal my my LTV was less than 80% which makes me eligible. Wells fargo bank wants me to pay them around $XXXX to get rid of $XXXX PMI. I contact XXXX who is backing my loan, they said Wells Fargo will do remove PMI as they are my servicer but Wells Fargo simply denied. Fannie Mae rep say according to my LTV i am eligible to remove PMI but Wells Fargo reps are very stubborn while they are only servicer. Please help me to remove my PMI.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: WELLS FARGO & COMPANY
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Wells Fargo stated that they sold the loan for my property effective XXXX/XXXX/2015. They claim the loan was transferred to XXXX Mortgage. I called XXXX Mortgage several times and they claim, the mortgage has not been transferred to them. XXXX Mortgage was the previous servicer of my loan. I did not receive any information regarding a loan transfer. Today, Wells Fargo confirmed that they have my correct address, in XXXX. The representative from Wells Fargo stated a letter regarding the transfer, to XXXX Mortgage was sent to a different address in XXXX. As of today neither company is accepting the XXXX 2015 payment for the loan. My primary concern is that no 30 day late payment is reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: FRANKLIN AMERICAN MORTGAGE CO.
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, I contacted my mortgage company informing them that I had started a new job and that I would be making the mortgage payment at the end of the month due to my pay being by-weekly. We agreed for me to submit a post-dated check for XXXX XXXX of this year to be sent to the processing center and that it would be noted that the check would not be processed until that date. On XXXX XXXX, upon receiving the check, the processing center processed the check and it came through my bank prior to XXXX XXXX. On XXXX XXXX, I contacted the mortgage company, and they were less than helpful with me in resolving this issue. I was also informed that the company only makes post-dated arrangements electronically and over the phone, which I refused to divulge ANY information regarding my bank accounts over the phone, and that it was agreed that I could mail a check. I went to my bank later that day, an investigation was opened and on XXXX XXXX, I received a letter from the bank that there was nothing they could do about the issue, it was between me and the mortage company. As a result, I was charged {$91.00} by my bank ( $ XXXXper day ) for each day that the account remained overdrawn. I am asking that the mortgage company either refund the {$91.00} directly, or that the amount be applied towards the balance of the Mortgage principal.

Company response to consumer: Closed
Consumer complaint received 2016-12-30
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Today XXXX XXXX, 2016 ; I received correspondence from XXXX XXXX and Wells Fargo detailing my payment history which is attached in the scan. The only payment that Wells Fargo failed to report is the XXXX made via telephone directly from my account XXXX XXXX XXXX, to Wells Fargo. Which is listed in my scan and taken by XXXX XXXX. ( XXXX assistant ). That payment covered the XXXX payment and is current and up to date, the only payment due is my XXXX payment. It is troubling that with the evidence of paid payments and history. Wells Fargo continues to deny that an error was made, the only way to move forward from the XXXX rating Wells Fargo currently holds, is to atone for the past mistakes, fraudulent banking practices and mis-applied funds, made to thousands of customers of Wells Fargo. Additionally, by Wells Fargo reporting my mortgage payments as late or unapplied, this practice had led to a drop in my credit score and refinancing. The fact that Wells Fargo refuses to report my loan to the credit bureaus, due to Wells Fargo not re-affirming the loan to my then attorney XXXX Law Office. This practice of not reporting my loan, by the way was not mentioned in the package sent to my home on XXXX XXXX, 2016. If you need confirmation as to the re-affirmation documents not provided to the courts, feel free to contact XXXX Law Offices and speak directly to XXXX XXXX at XXXX XXXX XXXX XXXX. He will gladly provide the information and explanation in depth, due to my obtaining the paperwork directly from his offices as requested by Wells Fargo. This matter is of the utmost importance and requesting a full investigation. As I have stated before, this is not the fault of anyone else except the shoddy and incomprehensible bank practices of Wells Fargo.

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 2016-06-10
Company: WELLS FARGO & COMPANY
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX called out of the blue and threatened to sue me for " attempt to defraud '', have me arrested, and have my driver 's license suspended if I did n't give them {$200.00} for a 9-year-old invalid debt immediately. As you can image, I was scared & complied. 

After researching the company ( they do n't even have a permanent address ), I realized I 'd been defrauded. 

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 non-monetary relief
Consumer complaint received 2016-02-03
Company: CAVALRY INVESTMENTS, LLC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
i received a letter today with a payment voucher from cavalry portfolio services threatening a possible law suit for an account they purchased that has exceeded the statue of limitations here in pennsylvania, not only have they done this, they have openly made harassing phone calls to my parents and employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS PLEASE SEE LETTERS FOR REFERENCE

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 2015-12-31
Company: EXPERT GLOBAL SOLUTIONS, INC.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Basically, I keep getting calls from numbers that appear to all trace back to NCO Financial Systems. The numbers show up on my phone with zip codes XXXX 

I 've missed each of the calls, unfortunately, but only once did they leave a message. When I followed up on that message, I was placed on hold with no mention of a company name on the answering machine, and then after being on hold for about 10 minutes the call dropped ( I had n't moved locations and my phone showed good reception ). Another time, I was offered a chance to leave a message. I did, no response. I 'm currently on hold again, and it 's now the XXXX minute of the call. 

After XXXX the number and tracing it to NCO Financial Systems, I found terrible reviews of the company on XXXX that matched my experience ( many are worse! ). I saw several people there who listed " real '' numbers for the company that actually connect you to a person, and after calling XXXX a woman picked up on the first ring. She looked me up in the system and said that the system has no record of me at all. I carefully spelled my full name and my phone number, and they are not in her system. She said she was in the medical department, and that 's the only place my debt would be - I 've recently been paying a lot of doctors bills because of an injury sustained, and it 's not out of the question that I may have missed a bill or mixed something up. 

I 'm concerned that I have a bill out there that will affect my credit, but I 'm also concerned that i am being contacted by a scam and am not comfortable giving them any information. 

Please help!

Company response to consumer: Closed with explanation