BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-02-26
Company: Ascendium Education Group
State: VA
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
Im filing a complaint against Ascendium/XXXX  XXXX XXXX/ Department of Education . I started going to XXXX, now XXXX ( XXXX College ) in XX/XX/XXXX and finished in XX/XX/XXXX. I was promised that I would be making more money with a degree and if not, they would provide me with a position making more money. When I finished my total was around {$18000.00} and I started paying monthly. In XXXX, I consolidated my loans, which means it should only be one loan amount and not two as they are reporting it. Sometime in XXXX/XXXX, it was determined by the government that XXXX  Colleges  was found to be fraudulent ; therefore, the loans were fraudulent and should have been discharged. At the time the total they said I owed was {$11000.00} and on another loan {$14.00}, XXXX. If you will notice, Ascendium wasnt on my credit report until XXXX, ( the year XXXX  was breached ) and they reported these loans as if I had attended school in XXXX. In XX/XX/XXXX, Ascendium seized my federal taxes of {$5100.00}, claiming I owed them. I was contacted in XXXX by XXXX XXXX XXXX and told they were in the process of garnishing my paycheck and to stop it, I had to sign a contract to pay or my paycheck would be theirs ; I had to sign and agree to pay, and I have the contract to which I signed. They have been debiting every month since XXXX {$78.00} until the end of this year and afterwards I will have to start paying more. The way the contract is written is as if I just applied for a loan to attend school. 
I reviewed my credit report and on my XXXX  report, it shows over {$20000.00} in student loans owed, but on my XXXX, it doesnt show any student loans owed ; they all are discharged, as they should be. 


A copy of this complaint will be sent to : Ascendium XXXX XXXX XXXX, XXXX WI XXXX Link to show that the college was fraudulent : https : XXXX Didn't have the correct problem to choose, but the problem is the loan was discharge and this company has picked it up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04
Company: NATIONSTAR MORTGAGE LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Earlier this year, I received notification from my mortgage company stating that their records indicate I have not paid my property taxes. Which I do not escrow these funds, I actually pay them directly to my city and county. At this time, I contacted them and told them, yes I did pay my taxes and I actually sent them copies of the canceled checks and even the county website showing that my taxes were paid before they were due. A few months later, I received another notification and I sent them the information again, and even called them. At this time the person I spoke with we discussed the map id # 's and it appears they had a house XXXX-doors down from me listed as my property. I asked him how this happened. The representative told me that Nationstar used a 3rd party provider to verify if property taxes were paid. I advised the person at that time, that I would send the proof in again to show that My taxes were paid. The property that owes taxes was XXXX XXXX XXXX XXXX, which is owned by my ex spouse. I even advised them that this house has NOTHING to do with me, I have never had any association with that property. They assured me they would get this resolved. On XXXX XXXX I went online to pay my mortgage and they have now added $ XXXX+ per month for escrow on my account. By this time, I was very unhappy I called them again and spoke with XXXX XXXX and explained everything to him. He told me to allow him 3- days to review. After 5-days I called him back and he advised me that they had the wrong map # associated with my house and that taxes were due. I then ask for him to call the tax office so we could discuss. We then called XXXX County Tax office and spoke with XXXX, she verified that I paid my taxes, and that I did NOT owe any taxes. I then explained to her that my ex-spouse had owed taxes on XXXX XXXX XXXX XXXX and they were linking those taxes to my property. She then advised me that in XX/XX/XXXX NationStar had paid the past taxes on his property. At that time XXXX from Nationstar asked XXXX to send him this in writing, showing that my property was current on taxes and has been. After XXXX hung up, XXXX then asked if he could have 3-more days to review this and see what recommendations he could make since they paid out {$1200.00} on an account that was not mine. He then stated they could add this to my account. I advised him absolutely not, these are not my taxes and how could a mortgage company want me to pay taxes that are not mine and that they paid out in error because of lack of competence in their own organization. Now after this ordeal I do not trust this company to not add these expenses that are not mine to my account. I have no faith in their integrity or their business practices. I am to the point of contacting an attorney to ensure that my account is handled properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-24
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a mortgage loan with Wells Fargo. The loan officer and processor engaged in what I felt like was redline. The agents of Wells Fargo intentionally tried to misrepresent my income by excluding parts of it and not utilizing normal standard in an effort to Imitate and discourage me from applying for home long through Wells Fargo. It makes me wonder if they have engaged in these deceptive acts before.

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 2022-01-13
Company: Paypal Holdings, Inc
State: DE
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other service problem

Complaint:
Without previous notice, Paypal sends us this email and withhold our balance of {$28.00} USD and future subscriptions payments of {$7000.00} USD for XXXX and {$1900.00} USD for the current month 's trial suscriptions. 

We have reviewed all their Acceptable Use Policy and we dont breach any of the https : //www.paypal.com/us/webapps/mpp/ua/acceptableuse-full We are a legit business registered as a C-Corp in Delaware since XXXX that have had to change our business model from offering XXXX services to the Travel Industry to now offering XXXX XXXX on our own platform for small business. Al we sell is our own XXXX XXXX and services and all are legit. 

This situation is affection our business as customers that like to use Paypal to pay for our services now cant and they think that is because we dont want to let them use their favorite payment service...

We tried to contact them by phone, several calls with several reps ... none of them been able to help, so we decided to raise a claim.

Email from : PayPal You can no longer do business with PayPal ( Ref ID - XXXX ) After a review of your account activity, we've determined that you're in violation of PayPal 's Acceptable Use Policy. 221_reason14 As a result, your account has been permanently limited and you won't be able to conduct any further business using PayPal. This is permitted under the PayPal User Agreement sections Restricted Activities and Actions We May Take. You must remove all references to PayPal from your website ( s ) and/or auction ( s ), including removing PayPal as a payment option, the PayPal logo , and the PayPal shopping cart.

If you have funds in your PayPal balance, we'll hold it up for 180 days. These funds may be used to satisfy any obligations you may have under the User Agreement and Acceptable Use Policy, including potential liabilities to third parties and to PayPal for each violation of the Acceptable Use Policy, including monetary damages. After that period, we'll email you with information on how to access any remaining funds.

If there are chargebacks that result in your account balance falling below zero, you will need to settle the amount owed to PayPal to avoid further action. 

Customers who are permanently limited for violating the Acceptable Use Policy are not permitted to use PayPal services and are not permitted to open new or additional PayPal accounts.

You can find the complete the PayPal Acceptable Use Policy by clicking Legal at the bottom of any PayPal page. 

We regret any inconvenience this may cause. 

Log in to PayPal

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-08
Company: VIRGINIA HOUSING DEVELOPMENT AUTHORITY
State: VA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
This is the second time I've had to file a complaint regarding my experience with Virginia Housing during a forbearance plan. 
Background : I was laid off from my full-time job in XX/XX/2020. The layoff was prior to the COVID-19 pandemic, however, my ability to find a new job was impacted by the COVID-19 pandemic and a job I was offered was then delayed due to the COVID-19 pandemic. All of this was communicated to Virginia Housing. However, in violation of the CARES Act, my missed payments were reported to credit bureaus and my credit score subsequently plunged. I tried several times to resolve the issue with Virginia Housing before filing a complaint through CFPB. Only then was the issue resolved. Calls and emails went unreturned several times during the forbearance process. 
Current issue : I informed Virginia Housing that I am employed as of XX/XX/XXXX and would be able to resume mortgage payments by XX/XX/XXXX. I was directed to submit an attestation form, which I did. I then received a call indicating that the end of my forbearance was approved and the amount owed would be added to my existing loan. I was told I would received a letter via email by XX/XX/XXXX and later via regular mail verifying as much. When I did not receive the promised XX/XX/XXXX email, I followed up. I was then told that there were " concerns '' with my file and that my forbearance appeared to be not due to the COVID-19 pandemic and therefore the loan would need to be modified and more time was needed for that process. I once again, as I had before, explained that my forbearance was indeed due to the COVID-19 pandemic. However, Virginia Housing is still refusing to make good on the original approval and send the documentation effectively ending my forbearance. Instead, they are asking for my " patience. '' I am still behind on other financial obligations and desperately need resolution so that I can refinance my loan and consolidate the debt accrued to support my daughter and myself for the past 18 months. Please help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-09
Company: Experian Information Solutions 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 status incorrect

Complaint:
In XX/XX/XXXX I opened a dispute Report # XXXX with Experian Dispute results reported on XXXX XXXX.The dispute was opened with Experian due to inaccurate reporting of a delinquecy by XXXX XXXX  XXXX XXXX on XXXX XXXXThis information is inaccurate due to the cards Inclusion in My Bankruptcy filed in XXXX XXXX was directed by My Lawyer to stop payment to all credit card lenders including XXXX XXXX  XXXX XXXX in the bankruptcy petition.As a result I was not permitted to make payments to any of the lenders named in the bankruptcy.The Experian Report # XXXX shows no record of the delinquent payment from XXXX XXXX  XXXX XXXX.However XXXX XXXX  XXXX shows Discharged By Bankruptcy with No History of Payment.The card account was issued XX/XX/XXXX and was in use until XX/XX/XXXX with zero incidents of delinquent payments or non-payment by me for a period of more than 9yrs.As a result this inaccurate delinquency reporting by the Bankruptcy Discharged XXXX XXXX Card is effecting my credit score when it should not be considered due to Bankruptcy Discharge.I want the error removed from my report.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 non-monetary relief
Consumer complaint received 2023-04-01
Company: Self Financial Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Im accordance with the fair credit, reporting act XXXX  XXXX XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnace account without my written instructions.

15 USC 1666B : A Creditor may not treat a payment on a credit card account under an open in consumer credit, plant escalate for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-30
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
I purchased a home with Wells Fargo around XXXX and in XXXX I asked for a loan modification due to the increase in payment and was never contacted back and denied so I had to get out of my home. Prior to this I had never missed a payment or anything.

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 2023-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 am writing to seek your assistance in resolving a matter concerning inaccurate information on my credit report, which has not been appropriately addressed by TransUnion. On XX/XX/XXXX, I contacted TransUnion to report the following erroneous entries on my credit report. However, I have not received any response or resolution to date. 
Account 1 : Creditor : XXXX XXXX Date Opened : XXXX XXXX, XXXX Credit Limit : {$750.00} Account 2 : Creditor : XXXX XXXX XXXX  Date Opened : XXXX. XXXX, XXXX Balance : {$0.00} Account 3 : Creditor : XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$1900.00} Original Creditor : XXXX XXXX XXXX I want to emphasize that none of the above accounts belong to me, and it is imperative that they are removed from my credit report promptly. I have fulfilled my obligations as a responsible consumer by promptly notifying TransUnion of these discrepancies, but their lack of response is concerning. I believe TransUnion has an obligation to comply with federal law and investigate the validity of these accounts as per my request.

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 2021-06-02
Company: United Shore Financial Services, LLC
State: NC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
United Wholesale Mortgage, {$25.00} bad check fee charge. 

Date happend : XX/XX/2021 Double charged for a month causing my bank account to get overdraft fees as well as giving me bad check fee. 

Called company, emailed company 4 different occasions got responses avoiding the questions and directing towards calling and emailing within 4 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I applied for a credit card with USAA and I was declined despite having a XXXX XXXX Score over XXXX at the time of applying. 

Each and every time I 've contacted USAA they seem to be giving me XXXX different answers. 

1. The most recent response per the attached letter states that " we were unable to verify your identy '' being the reason for decline. 

2. They told me that there was a carpayment from XXXX, per XXXX that was being reported as {$4500.00} per month and that this was offsetting my debt to income ratio. I contacted XXXX and they were infact reporting false information and have corrected the information, I sent the attached letter from XXXX to USAA to reconsider and the refused. 

3. Various other semantic answers per recorded conversation, which can be provided upon request if need be.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: SYNCHRONY FINANCIAL
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Since the XX/XX/2017 they have called me 49 time. Most are 3 or more times a day. They stopped sending me paper statements and have tried to get online to pay but have been unable to figure it out. I have talked to the company several time and they have yet to send me a bill 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 monetary relief
Consumer complaint received 2016-08-04
Company: NATIONSTAR MORTGAGE LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
After a home refinance, my loan was repackaged and sold to a new servicing company, Nationstar. I setup my first loan payments on a timely basis as well as an additional amount that I designated to be applied to principal on a monthly ongoing basis. Nationstar started withdrawing only the loan payment and upon calling them back they were able to get the additional principal payment setup. However, the setup was apparently created incorrectly. Although payments approximately XXXX the actual amount due were being withdrawn from my checking account on a monthly basis, they were initially incorrectly applied and then some 5 months later my wife noted that we were getting notices for late payment of the mortgage. I called Nationstar and they assured me they would rectify the problem and it would not be reported and would not affect my credit, this was in XXXX of 2015. Again in XXXX I received a notice from a credit reporting agency that my credit score was being lowered due to unpaid mortgage payments. I again called Nationstar and was again told it would be fixed. I did not follow up assuming after twice being assured it would be done, after already being assured my credit would never be touched. This past week on XXXX XXXX I was applying for a refinance of a business loan and when queried about my mortgage by the banker I went online to check my rate with Nationstar. Since my inception they added an online history of payments section and free FICO reporting. I checked my FICO and was dismayed to find that my score which is normally around XXXX or higher was now XXXX. I again called and now got very upset at the continuous lack of attention to my account and the confabulations and empty promises made my customer service agents who really did not care about my credit. I queried about my prior calls and the logs were very thinly documented with no discussions of any of the issues that they created for me. Keep in mind I have paid almost twice what was due during the past 14 months yet my credit score took a hit due to incorrect reporting of 5 months of missed mortgage payments. I am now being told by Nationstar it could take up to 180 days for the agencies to fix my score. If my interest rate on a $ XXXX refinance of a business loan is negatively impacted by this, I will have been financially damaged by Nationstar. I called my lender to find out who regulates the Mortgage Servicing Industry and found that you are the agency that does this. Please help or advise me if I have a legal case against this incompetent and uncaring organization.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
On Tuesday XX/XX/XXXX at XXXX pm I went to ATM ID XXXX to withdraw XXXX dlls and the ATM registered the transaction but didnt get my money. I called at phone # that atm had registered to report problem with these ATM XXXX. The person in the phone submitted a claim # XXXX and I explained that I need my money urgent because I need to pay my bills and she said that this can take 90 days. I said that I cant wait 90 days. She said will be a put the claim as emergent and 48 hrs I will receive my money on my card. Today I call again because I not receive my money and said that I need to wait 10 business days? This is not my falt, Their ATM is not working correctly. What I need to do?

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 2018-08-22
Company: Experian Information Solutions Inc.
State: GA
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: Investigation took more than 30 days

Complaint:
On XX/XX/2018 I sent via certified mail a dispute in regards to me being a victim of Id Theft and fraudulent accounts being reported to my credit profile. The credit reporting agencies did not resolve nor recognize my dispute eventhough I presented the proper documentation.

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 2022-10-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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