BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-15
Company: KEYCORP
State: OH
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Application, originator, mortgage broker

Complaint:
I bought a house in XXXX XXXX, 2014. We extensively remodeled it and now are trying to refinance to repay the original lender, as I indicated to him I would repay the loan after we were done. 
I recently discovered, that there was an additional mortgage on the house, filed at the courthouse on XXXX XXXX, 2014, just a couple of workdays before the closing, by KeyBank of XXXX. NOTE THE PRIOR OWNERS RECEIVED THAT {$50000.00} lLOAN PROCEEDS PLUS OUR FULL PRICE WE PAID FOR THE HOUSE. 
I do not understand how KeyBank could have got their loan through underwriting without noting the home was for sale. It was listed in the XXXX for sale ( pending ) when the mortgage was dated ( XXXX XXXX, 2014 ). KeyBank will not talk to me about any of this due to " privacy concerns '' even though this is stopping my ability to finance the house. 
How is this possible? You list your house for sale, the bank knows it or should know it, they loan {$50000.00} against it, put a mortgage on it, and wo n't work with the new property owners to work through it? 
Why is everybody at KeyBank so concerned about their customers privacy but unwilling to discuss the lien on my house that should be removed? 
Today, they even refused to give me the contact information for their mortgage or title departments so I could just give that info to my new mortgagor. ( which I am afraid they are going to deny the loan because the processor told me " it sounds shady ''. ) I am wondering what Key Bank may have done wrong that they might not want to admit to me becasue it is causing me to lose money and sleep. 
Did they violate their own underwriting requirements? 
Did they cross any other lines they should not have? 
Should they have acted more quickly when they became aware of the situation? 
And finally, why no obligation to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-23
Company: ARS National Services, Inc.
State: DC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
This is an original account from  XXXX  ending in  XXXX .   The debtor,  XXXX   XXXX , is in a   XXXX   XXXX   XXXX   receiving   XXXX   and thus is not able to make payments or pay the debt at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Nelnet, Inc.
State: NV
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Nelnet customer service did not provide me the information I needed to avoid extra charges on my account. I called multiple times. Spent hours on the phone to avoid capitalization on my interest and paying minimum fees on my account. They never told me about when my grace period ended and that one of my loans had administrative grace period. All they tod me was my account was current and to make the payments on time. This has costs me XXXX dollars if not more in charges and interests and they would not refund my money. Every time I call for an issue it takes 2 weeks to a month and at the end another issue rises.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: Credit Karma, LLC
State: LA
Product: Credit reporting, credit repair services, 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 received an email from Credit Karma notifying me that a hard inquiry was made on my credit reporting agency named XXXX XXXXMy account has had a freeze in place since last year or longer.When I went to all three reporting agencies to examine my reports I saw no hard inquirys. Im not sure if Credit Karma is a fraud or not but they sent me the email asking if it was me. No! It wasnt me! I did not click on any links in the email but went to the three seperate credit sights desperately. I also tried to call the bank that did the hard inquiry and no matter what I said I could get no help. They prompted only for my account or social security numbers so I hung up

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL
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 XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

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 2022-09-09
Company: KEYCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
First call was on XX/XX/XXXX to Key Bank via chat, I called to report that a charge was made to my checking account that I did not make - account was cancelled 2 years ago for {$72.00} to XXXX. Key bank employee said that she would take care of, Also, the rewards credit that I have charges are not going through, Again, employee said that she would take care of it. 

Checking charges and found that I was charged for the {$72.00} - employee did not take care of and rewards credit card charges are not going through, Bills are paid from this and bills are not being pain because this account has a block Called again on XX/XX/XXXX and asked why the employee did not fix the above problem. She said there was a convenient " block '' so there did not fix and nothing was done - payment was made incorrectly to XXXX and rewards charge card not fixed, Again, my called got block so nothing was done. 

Why is this happening? Key Bank is paying invalid bills and blocking bills that I authorize. Please note the majority of the time when I deal with Key Bank they are very helpful and pleasant. Last 2 chats ( XX/XX/XXXX and XX/XX/XXXX ) the employees are the opposite, they are lazy and deceitful.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: ProCollect, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My mother was on the phone with me the first time I called, XXXX hung up on me even when I gave authorization for her to listen. She called back and asked to speak with a supervisor who hung up on her, she called back again and XXXX was speaking in XXXX, my mother advised her we speak English and why she was calling XXXX hung up on her again.My mother called back and asked to speak to XXXX XXXX listed as the Vice President on their website XXXX said I 'm mother could n't listen to the conversation as she was giving me direction for the questions we had, he hung up on me. I called back and asked XXXX to send me the documents he had regarding this claim, he heard my mother talking to me and hung up again. 
I need a copy of the charges and how and when they were sent to me. Thank you

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 2020-04-01
Company: Freedom Mortgage Company
State: OK
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Earlier this year, my property was incorrectly listed as being in two counties simultaneously. After waiting over a month for " research '', Freedom Mortgage concluded that this was indeed their fault. Also, during one of my MANY contacts with both your tax department and customer service dept, I was told that XXXX county ( the incorrect county on my escrow ) was erroneously sent a 6 month tax payment amount totaling near {$1500.00} on XX/XX/XXXX. 
In addition to this problem, my payments have fluctuated from {$1300.00} all last year, ballooning to {$1800.00} on XX/XX/XXXX, which I was FORCED to pay, even though Freedom made the error. Fast forward to my last payment, which was {$1400.00}. I called your customer service yesterday, and was told that it increased from {$1300.00} to {$1400.00} because my taxes and insurance increased by nearly {$100.00} eachthe math here DOES NOT add up. 
In addition, I was told by someone in the tax dept that XXXX county was refusing to return the {$1500.00}, and Freedom did not feel that using lawyers to recover that money was going to be in their best interest, so they are eating the {$1500.00} sent to the wrong county from my escrow. 
SO, where do we go from here? 
1. What is my ACTUAL NEW PAYMENT?! I need to know EXACTLY why I have increased from {$1300.00} to {$1400.00}. I understand small yearly changes, but given your companys lack of accountability and errors within this 2+ month ordeal, I need answers! 
2. Where is my overpayment that is sitting in my escrow? I was told by EACH employee in the tax depot that it will be returned to me immediately after this latest escrow analysis. What is the status? Where is this extra money that I was FORCED to pay due to your mistake? 


Calls were made to either the tax dept or general customer service line on the following dates and times XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/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 2016-12-18
Company: Financial Assistance Inc
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
This morning I received an alert from XXXX that there was a negative entry to my credit. When I checked, there is a collection of {$380.00} from Financial Assistance in XXXX WA. We have NEVER received anything from XXXX telling us what this debt is for. In XXXX 2016 We moved out of an apartment called XXXX XXXX in XXXX, WA. The moveout fee they charged us was {$560.00}, and after negotiation they agreed that we owed only {$190.00}, which we paid to XXXX in XXXX. But never have I been contacted from Financial Assistance regarding owing {$380.00} and I have no idea what this is for. The company 's address is XXXX XXXX XXXX XXXX XXXX, WA XXXX and their number is XXXX. Please help me with this. I have no idea what this money is for and I ca n't have this negative entry going against my credit. The only way I even knew this exists is from the XXXX alert that there was a negative entry on my credit report and this is incorrect. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: TD BANK US HOLDING COMPANY
State: TX
Product: Credit card
Issue: Late fee

Complaint:
I am disputing a {$19.00} late charge from fred Myers jewelers platinum preferred Master Card # XXXX XXXX XXXX XXXX. 
My payments are due the XXXX day of every month. In order not to be late with my payments I have arranged with XXXX bank to withdraw my monthly payments from my account in a timely manner so that the credit card company will receive payment on or before the due date. Apparently in XXXX the payment came late. 
I have disputed this with XXXX bank as well and after looking into this case, XXXX bank has assured me that they send the payment to the creditor in plenty of time for them to receive the payment and will not take responsibility for the late charge. 
I have called and spoken to customer service several times and they refuse to refund the {$19.00} saying its the banks fault, the bank says its the creditors fault. 
I am very frustrated since I always pay my bills on time and do everything possible to avoid late charges or missed payments and feel that I have been wrongly penalized.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-04
Company: RoundPoint Mortgage Servicing LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I financed a home with Roundpoint Mortgage in 2015 and subsequently refinanced with XXXX XXXX XXXX for a better offer. XXXX XXXX XXXX requested a payoff in XXXX and after going through the normal refinance process, XXXX XXXX XXXX paid the amount stated on the payoff statement generated by Roundpoint Mortgage. In the middle ( or so ) of XXXX 2015 I got a letter from Roundpoint Mortgage stating that my payoff was short and that I still owed roughly {$4000.00} and when I inquired ( over several months of trying to hash this out ) I received conflicting stories. I went back to the title company to inquire as to what happened and they were uncertain given that they transmitted precisely what the payoff requested. In short, it was only later that we all found out that Roundpoint Mortgage paid my taxes and insurance ( which they should have ), but admitted that they erred in not including the escrow account in the payoff statement and subsequently they blamed the title company. Both the title company and Roundpoint have washed their hands of the matter pointing the finger at me to pay on a house that I do n't even own anymore ( it was sold with a clean title ). Bottom line is these clowns are ruining my credit instead of owning up to the omission on their part. I even went so far as to suggest we ( myself, the title company and Roundpoint ) split what they feel is owed so we can wash our hands of the matter and Roundpoint said no - pay up, its not our fault the escrow account was n't included in the payoff and even we n't so far as to send me a caveat they have on all payoff statements that fundamentally states that they reserve the right to skim off the payoff received to cover any shortages ... fine, but should n't they have at least notified all parties involved instead of shorting the payoff and them coming back as if we all were in the know?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-14
Company: TRUIST FINANCIAL CORPORATION
State: SC
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:
I am a victim of Identity theft and had already filed the Police report and FTC report on the items listed on the same report at my previous address. Regional Acceptance Corporation account resulted from identity theft and was already deleted to XXXX and XXXX but not XXXX. I have also filed a complaint regarding this account in CFPB on XX/XX/21, but I don't receive any response from XXXX and Regional Acceptance.

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 2022-09-09
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I sent a payoff check to Nissan they received it on XX/XX/XXXX then sometime after lost the check so I had to end up re-issuing them another check which was then cashed and the loan was paid off. I followed everything in the letter that Nissan responded to you guys from an earlier complaint. And then that letter they said to stop payment on the first check and have another check re-issued which I did and they said once that was received and processed that they would fix any mess ups on my credit report which hasnt happened yet because it saying I was 30 days late on XX/XX/22 and 60 days late on XX/XX/22. I have attached the previous response from Nissan to you guys from my earlier complaint, which outlines they would fix my credit report and reimburse me any fees and stuff I encountered from having to re-issue the check. Which they have done none of that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This company continues to call me repeatedly, has never contacted me through mail or sent me a verification or statement of account, has provided me with conflicting amounts of what I owe compared to what the courts say, and upon calling me will verify it me by providing me with my date of birth and last four of my social and ask me if those are mine. That information is pertinent information, if that were to get into The wrong hands my identity both financial and vital could be compromised I called to speak with a manager and she tried to mislead me saying that no one could affect my credit or identity with that information which is incorrect, a person can access both financial and vital account or take on my identity

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-14
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: Account information incorrect

Complaint:
My initial contact with XXXX and Transunion was on XX/XX/2022 when I sent a letter to both companies via certified mail that was delivered on XXXX and XX/XX/2022. After reviewing my credit report I noticed that an account from XXXX XXXX XXXX was reporting inaccurate information for alittle over a year and requested that the account be removed from my credit report. XXXX and Transunion sent me results of the investigation and stated the information was accurate however it is not and I can prove it in court that the information is not accurate. I have reached out to XXXX XXXX on three separate occasions requesting that they remove the account from my credit reports. To date XXXX XXXX XXXX is still reporting in accurate information to my credit reports. No it is not my responsibility to tell a company what or how to report to the credit bureaus. The FCRA states that a company is not to report inaccurate, outdated, or invalidated accounts on a consumer 's credit file. It also states that its the credit bureaus responsibility to ensure that all information contained within a consumers ' credit file is accurate and free from errors. All three companies have failed to do this XXXX, XXXX XXXX and Transunion.

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 2017-02-08
Company: RoundPoint Mortgage Servicing LLC
State: MN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I closed the mortgage for my XXXX Minnesota house on XXXX XXXX, XXXX with XXXX. On XXXX XXXX, XXXX I was notified that my mortgage servicing company will be changed to RoundPoint Mortgage Serving Corporation ( RPMS ). 
An initial Escrow amount of {$2500.00} was deducted from my loan proceeds. 
Starting with XXXX XXXX, XXXX due I have paid {$580.00} ( PMI {$87.00}, Home Insurance {$73.00}, and Real Estate Tax {$410.00} ) each month for the Escrow account. 
As of XXXX XXXX, XXXX after my XXXX payment my Escrow account has a balance of {$5300.00}. 
Since XXXX XXXX there has been monthly payment of {$87.00} made late every month for the PMI premium. 
XXXX/XXXX/XXXX - XXXX/XXXX/XXXX Home Insurance premium was paid and deducted from my loan proceed on XXXX/XXXX/XXXX. Next Payment of about {$880.00} is due XXXX XXXX. RMPS has it scheduled for XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX {$160.00} was paid by RPMS for the 2nd half XXXX Real Estate taxes. My County latest estimate of XXXX RE taxes is {$3700.00} due {$1800.00} on XXXX XXXX, XXXX and {$1800.00} due on XXXX XXXX, XXXX. RPMS has scheduled payments of {$2500.00} on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. 
As it is indicated from the start my escrow deduction has been very excessive and the balance as of XXXX/XXXX/XXXX is almost enough for the total XXXX actual payments of {$5600.00} ( PMI {$1000.00}, Home Ins {$880.00}, and RE Tax {$3700.00} ). 
According to your site the Escrow withholding can not be more than 2 month of the actual payment, in my case {$120.00} in XXXX ( {$440.00} form PMI and XXXX for RE Tax / 5 month ) and {$470.00} in XXXX. 
I have made every monthly due on the 1st day of the month ( Due date ). 
I am requesting your help / or directing me to the proper authorities to correct this unjust situation and have the RPMS pay me back the illegal additional escrow balance plus interest and penalty and to adjust the XXXX escrow withholdings immediately. I recently requested a Escrow analysis on RMPS site but have not received any responses from them. When I called their ( XXXX ) office few month ago several times I could not even get an agent that could comprehend my issue and they were confusing the Principal and Interest Payments with the Escrow account. 
Best Regards, 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