BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-08-26
Company: KEYCORP
State: WA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Unwillingness to Cooperate and Provide Transparency related to PMI charged for the Mortgage Account by Key Bank. 

We have our mortagage account with Key Bank and the escrow charges a PMI. I have been in regular touch with the Bank to understand the process of PMI and its cancellation but it not customer friendly and requires 30 mins of call every time to get in touch with an Escrow Office. Even on getting touch there is no effort to provide how much the customer needs to reach in terms of balance to cancel/remove PMI. 

We have reached 80 % of our mortgage balance and as per general understanding applied for removal and also asked the Key Bank Escrow Servicing Department what balance we should reach to remove the PMI, but all efforts to reach out through phone/email have never worked, The Bank staff 's typical reply has been they do not know the numbers like it a red tape. 

We need CFFB help to bring transparancy in the process, so Banks can share this with Customers on they pages and showcase next steps to take care of the PMI/Escrow fees. 

I appreciate CFFB for helping us provide a forum to raise this issue. I am pretty sure many bank mortgage customers will be a in similar situation with no clarity on when and what amount can help then remove the fees charged. 

Attached 1 ] Recent letter from Key Bank without any details on balance required just saying out it LTV not at required amount, previous letters have also been cryptic with no specifics 2 ] Emails send from my account asking Key Bank mortgage department on the specifics on PMI and when can we remove it and what LTV value needs to be reached

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
My card was closed by the company. I ended up paying off my card in order to delete from my credit report. Not only are the late payments still showing but the account overall was n't deleted. It 's making it difficult for me to obtain large purchases due to this. I need this to be removed as I was doing a pay to delete when I spoke to a rep.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14
Company: AFNI INC.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Afni, continues to write me about a debt that I have no knowledge of. They also have not sent me any validation of this debt as follows : 1. Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file. 
2. Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present. 
3. Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed. 

In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports you 've furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX and XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: KEYCORP
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I am a recent graduate from XXXX XXXX in XXXX XXXX, NY. 

I have been actively looking for work opportunities and received an email, from a professor, whose email I may believed to have been hacked, offering part time employment. 

The email requested my name address and a copy of my ID. As well as my bank information ( Key Bank and XXXX  XXXX XXXX ) which I only shared the address, no account numbers. 

The email was from XXXX XXXX, a XXXX XXXX XXXX contact. I was sent a mobile check in the amount of {$2200.00} to be deposited and used to purchase materials for people with XXXX. 

After I deposited the check, the funds were shown as available, and I was then asked via email to send money using XXXX for two seperate transactions. 

The following day I went online to check my accounts and I was locked out of my accounts and told to goto a local branch. 

After visiting the branch, I was told my account locked due to an investigation on a fraudulent check. 

I do have all the emails, letter of employment and conversations saved and able to be sent as needed. 

I am still waiting for my accounts to be accessible and would like to know if it is possible to recover the lost funds. 

I would also like to report the email used by the scammer. 

XXXX And XXXX email XXXX XXXX Feel free to contact me directly at XXXX or email me at XXXX Thank you for your time Best regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: Bread Financial Holdings, Inc.
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Personal line of credit
Issue: Struggling to pay your loan

Complaint:
I was offered credit to purchase a pet at XXXX XXXX XXXX in Michigan. They told me there would be 0 % interest for the first 6 months. They did not make clear that if the balance was n't paid in the 6 months that I would be charged interest based on the original balance. On a balance of $ 3000+ I made 30 % + of the full payment with no interest to try to get the balance as low as possible assuming I would be only charged interest on the remaining balance. 

Unknowingly after the 6 month period ended I was charged interest on the full balance ( {$3400.00} although I had got the balance down to {$2200.00} in the 6 months ) of the original loan NOT the balance left at a very high interest rate. I called to try to work something out and was told they could take a small part of the interest rate payment off but not all of it. I realized based on the rate and the finance charge which brought the balance up almost {$500.00} that I would not be able to make minimum payments but would basically only be paying the interest so I asked for the hardship programs they had. They told me in XX/XX/XXXX that I was enrolled in one lowering the interest rate which was 20 % + to 9.99 %. I immediately paid the minimum outstanding based on their representation that I was enrolled in the program. On XX/XX/XXXX I called after my statement did not reflect the new interest rate and asked what happened. A women told me that there was a system error and that I had not been enrolled yet and that a new statement would come out. I called again on XX/XX/XXXX after I did not receive a new statement and my online account did not reflect a change and was told I was not enrolled in the program again. I have also emailed them and received no response. I am at this time stuck paying the higher interest although they told me when I made the payment in XX/XX/XXXX that going forward my interest would be significantly lower. While I have had lines of credit with Commenity Capital Bank in the past, this particular arrangement is deceptive, unfair, and has been an undue burden and caused me substantial financial loss. The people who extended the line of credit at the Pet Store did not properly inform me what I was getting into and Commenity Capital Bank has failed to be responsive to my concerns.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-15
Company: Bleier & Cox APC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Bleier & Cox APC and associates have contacted my bank to supeona my bank records in order to illegally collect an unlawful and fraudulent debt that I never had. I received a letter from my Bank indicating that this firm has gotten a court order to get all of my bank accounts. This is against my privacy rights. This is against the FDCPA THIS LAW Firm has illegal and harassing tactics to steal and collect monies from people that do not owe any debts. This company needs to be shut down and investigated. As a Law Firm they should know better, but they hide and fraudulently steal from people. I never had any contract with them or what they are claiming. This is Fraud and want them to cease and desist. Bleier and Cox should be fined. Their tactics are a deliberate violation of applicable laws and statutes. I am an elderly person that this Firm is trying to take advantage of. It is elderly financial abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Denial of my consumer credit as the creditor, when I have full faith and credit and that's a prepaid exemped account, Thier acting as Beneficial Owners of my SOCIAL SECURITY XXXX XXXX ACCOUNT, with non disclosure, signed under a NDA ( $ IGNED A NON DISCLOSURE AGREEMENT ) a unilateral contract. I'm age of majority and competent to say so per Title 46 USC 57308 ( VESSEL LIEN up to 25 years of age ). I'm the Beneficial Owner/TTEE for that account and I do have trustees and beneficiaries appointed to the revocable living trust account via XXXX 's XXXX They have not responded to any of my email request, from the very same email my account is set up under. I'm Alive for the record as well. XXXX XXXX XXXX, with prejudice. This matter should be approved and handle with care because I know they see my private securities under ( 15 USC 77 ( r ), denial of credit is unacceptable! I'm demanding a certified copy of the assets and liabilities for my account within the consumer law four days. They keep sending me obligations of THE UNITED STATES ( Title 18 sections A ) and I'm a state XXXX XXXX, which they have a copy of my passport, proving the facts!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-19
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Struggling to repay your loan
Sub-issue: Problem lowering your monthly payments

Complaint:
I graduated in XXXX. I started college in XXXX in which I took out a XXXX XXXX loan then switched to navient. After 3 years of graduating out of no where they uped my monthly payment TWICE as much. I was paying {$170.00} and bam out of no where {$500.00}. I called to lower my payment and instead of working with me on a plan, they told me I could pay {$200.00} each month but in 2 years I then would be paying {$400.00} and in 5 {$700.00}. It 's ridiculous.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-30
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I was victim of fraud but TD Bank is treating me like I was the perpetrator instead of the victim. I fell for an elaborate scheme that promised work from home. I cashed a check that cleared. I have learned the hard way clearing does n't mean the money has been verified. Days later TD Bank said the check was fraud but the money was withdrawn and paid to the " employer '' for equipment to work at home. Now it is my responsibility says both banks involved. TD has shown their true ways of business by caring more about themselves then their customers. I 've been a customer since it was called XXXX XXXX. This is my first issue and they treat me like garbage. I have called and called dozens of times and not one person has called me back. They promised to work with me because my direct deposits go to the bank and they would help by setting me up with a payment plan so I can live and also pay them back for being a victim now the responsible holder of {$3400.00} check. Not only have they lied to me about helping me. After calling so many more times, hey have applied my full paycheck to the amount owed and now tell me they wo n't help me by giving me any money but to add insult to injury they wo n't allow me to open another account without paying off " my debt '' to them. They also decided to pour salt in the wounds and " blacklisted '' me and have prevented me from opening up any other account with ANY bank. I am by far disgusted by this treatment and will not stop until some action is taken against the bank or have been provided with some assistance. Disgusted!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-16
Company: Experian Information Solutions Inc.
State: NM
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Experian is ignoring my many requests to investigate, verify and remove accounts from my credit report that do not belong to 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 explanation
Consumer complaint received 2022-08-29
Company: HYUNDAI CAPITAL AMERICA
State: OH
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem while selling or giving up the vehicle

Complaint:
We leased a XXXX XXXX XXXX, new from XXXX XXXX. Turned in the lease on XX/XX/XXXX. And purchased a new XXXX XXXX XXXX from the same XXXX dealership. In XXXX we received a notice that the XXXX XXXX XXXX was in collections and a repo guy came to our house looking for that car. We got in touch with XXXX XXXX to see what the issue was and come to find out they didn't " ground '' the car. Kia stated that it was a mistake on their end and they would take care of it. Our credit was severely damaged from a issue that was not our fault. 

Then XX/XX/XXXX ( so 2 years after we turned the car in ) we received another letter stating we owe {$1000.00} for " Early Termination Liability ''. Obviously we didn't know what this was about, so after making MULTIPLE calls to the Kia Customer Finance, which was no help, we decided to go up to a XXXX XXXX. Well the XXXX XXXX was sold to XXXX XXXX. They took a look at all of our documentation and said this was a huge mistake on XXXX XXXX 's part but they couldn't help us. They said it was not " XXXX 's '' problem it was " XXXX 's '' problem. They XXXX XXXX XXXX XXXX told us that it looks like XXXX pushed back the grounding date of the car on XX/XX/XXXX. Apparently they can only backdate it so far, which makes it look like we turned in the car in XXXX, when we did all of this in XXXX. 

I then contact the XXXX of XXXX. He states that is not able to help us. And that XXXX is " stonewalled '' from helping us because of XXXXXXXX XXXX liability. 

Our account number is : XXXX We called XXXX and spoke to someone on XX/XX/XXXX for 24 minutes. XX/XX/XXXX for 28 minutes. Called XXXX on XX/XX/XXXX minutes and then again on XX/XX/XXXX for XXXX minutes. This was all XXXX XXXX relations who were not able to help us in regards to this bill. 

We have attached the Lease Agreement that states we owe {$1000.00}. We have attached the contract for the XXXX purchase of the new XXXX. I have attached all of the communication with the Sales Manager XXXX XXXX from XX/XX/XXXX. We have attached our entire payment history of the XXXX lease. The customer delivery checklist is attached.

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 2017-08-30
Company: I.Q. DATA INTERNATIONAL, INC.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have spoken to this debt collector multiple times, the first time being XXXX. I have made it clear that the debt was not mine, that I did not live at the property they have claimed I have move out fees from. I was told they would send me a fraud packet, a week later, nothing received and I call again. Im told they are now trying to get a copy of the lease to validate the debt. I then call on XXXX, after still nothing has been received, and Im told they are still working on it, but cant remove the account from my report, even though it has been greater than 30 days since I initially requested information to be mailed. Now I have filed a report with FTC for fraudulent activity/identity theft. As of last week, they have received my report and the letter with my request stating that I demand the account be removed, yet Im told again that they can not do this. It has been XXXX weeks since I began dealing with them, and since I requested this fraudulent account be removed. I have been denied rental property applications due to this account and am staying in a hotel. This is creating an unnecessary expense, due to their refusal to support my fraud report and follow the law in reporting the account.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: CITIBANK, N.A.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
this is a follow-up complaint regarding XXXX. 
In Citibank 's response to complaint XXXX on XX/XX/2021, it said " Thank you for providing the requested electronic payment information for the {$9500.00} payment received on XX/XX/2021. We have verified the necessary information and the payment will be reapplied to your account. Please allow 5 business days for this adjustment to appear and your balance to be updated. '' Now today is XX/XX/2021 and it has definitely been more than 5 business days and still I DID NOT SEE the payment. It has NEVER been reapplied to my account. Citibank still OWES me {$9500.00}

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 2022-08-26
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I recently disputed some accounts on my credit report that was not accurate, multiple accounts, they where supposed to be removed with proof from the original creditors, The credit bureaus have failed to acknowledge and execute on this issue for months now. This has been going on past 45 days. All proof is below, they informed me that if I was a credit repair organization or using a Credit Repair organization I would need to state that, no law says I need to state anything about my credit because it is part of my consumer privacy protection.

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 2017-04-11
Company: WESTERN UNION COMPANY, THE
State: KY
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A man in Indiana named XXXX hacked my Western Union account on XX/XX/2017, changed my login/password and all my profile information. Then they sent themselves money using a bogus XXXX acct. I received an email with every step but I did n't get this until the morning after so it was too late to stop it. I immediately called WU and they filed a " case # ''. I filed a police report and thought everything was taken care of. I received an email from WU on Sat XX/XX/2017 XXXX stating they were unable to retrieve the funds on the transaction and were therefore pursuing me for payment. I called to remind them of the fraud that took place and the man I spoke to insinuated that I had something to do with the hack to my acct. I was furious and told him I would call back with the police report # although that should have been their job. I tried calling back once I had the report # but the recording gave no options for being transferred to customer service and there were no options to leave a voicemail so I sent them an email instead along with all the information I have gathered. I have yet to receive a response from them. I hope to forward all correspondence to you for review as I would like to get this resolved without pursuing legal action if possible. Thank you for any assistance you may be able to provide. 
p.s. Some of the attachments are a result of my own investigation of the thief. He apparently lives in a town that is only XXXX miles from the location where the funds were picked up. He has a criminal background which is why I feel it is necessarily to include this for review in case Western Union would like to pursue legal action against this individual. I have done the majority of their work. They need to clear my name of any responsibility as I am clearly a victim of fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13
Company: Paragon Home Loans, Inc
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
We closed on a house XX/XX/2017 ; however seller ( home flipper ) did not pay any taxes on the property but at closing used part of his proceeds to pay off all taxes including penalties. On our statement of sale that I signed our bank, Paragon Loans has it filled out that the seller paid {$220.00} in taxes so we reimbursed seller for that in closing costs but they forgot to put in the amount of property taxes that were to be paid at the closing with buyers money. So after we 've signed off and everyone has received money. Two days later my attorney tells me that we owe the seller approx. {$1500.00} to the sellers to reimburse them their part of property taxes XX/XX/XXXX-XX/XX/2017. Paragon loans typed up all this information based off of what the sellers had submitted and should have been reviewed by attorneys and banks for all parties involved.These documents were not made available to my husband or I until we were at the closing and were not explained to us nor did we have a representative from Paragon Loans at the closing. Not sure if Paragon Loans is at fault for not realizing that seller was n't paying the property taxes until closing so it needed to be configured into my closing costs or if seller XXXX is at fault for not making that clear.

Company response to consumer: Closed with explanation