milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12/29/2017 about Mortgage (VA mortgage) with PRIMELENDING, A PLAINSCAPITAL COMPANY (OH).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: RE : Credit Discrimination Complaint. 
RE : Prime Lending co XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX OH XXXX Date : XXXX. 
How are you? This is a written consumer complaint of Credit Discrimination against Prime Lending Corp.office in XXXX OH.. 
Former XXXX. XXXX is an XXXX XXXX veteran of th XXXX XXXX XXXX. He applied for a small VA backed loan ( {$8800.00} for a property in th XXXX ohio area ). A fixer-upper. This property listed for {$11000.00} but Veteran has {$2200.00} downpayment. 
XXXXThe Veteran also has VERY stable income of over {$1200.00} from a Federal Agency ( XXXX XXXX XXXX ) AND *Over {$16000.00} in checking account. 
*Prime Lending Rep would not even allow this Veteran a Loan Application? Just turned down loan application request based on a PreQualification?? 
XXXX XXXX XXXX Veteran had over {$2200.00} to put down on closing costs downpayment etc ; but was not given application by PrimeLending rep because of a " debt that has a zero payments due balance '' .... attached to it by the XXXX XXXX XXXX XXXX. 
I repeat ... .A ZERO balance due on a student loan thats in Forbearance..

*PrimeLending rep at XXXX office ignored Veterans ability to make minuscule ( tiny ) payments of property located at XXXX XXXX XXXX # XXXX XXXX OH XXXX. 
*Even though th Veteran made several requests after requests, the PrimeLending rep still '' refused '' to submit a letter ( in-writting ) stating th reason for Loan Application Denial. 
XXXX ( {$57.00} monthly premium was VERY manageable ) and PrimeLending reps did not base their decision to " Not Allow Loan Application '' on th Veterans income of over {$1200.00} per month AND over {$16000.00} in checking account savings th Veteran has. 
*PrimeLending rep stated '' ... THATS ALL WE LOAN IS {$40000.00} and up ... '' Now where did that come from? Discriminatory? 
*The Veteran had NEVER in his life heard of a Lender placing a " Certain Amount '' on a Loan OR a minimum amount to borrow? Either {$40000.00} or nothing? This is what XXXX XXXX of PrimeLending emailed to Veteran on XXXX XXXX " .... {$40000.00} LOANS AND UP ONLY .... '' * {$40000.00} and up only? But yet PrimeLending rep works with a XXXX XXXX agent whom has over THIRTY HOMES listed for under {$30000.00} ... .yet he tells the Veteran {$40000.00} or nothing .... '' *PLEASE speak with PrimeLending office in XXXX Ohio and request that they " Discontinue '' with illegal practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 02/13/2016 about Debt collection (I do not know) with Hunter Warfield, Inc. (DC).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: I recently received a new phone number, which I think has been recycled from someone else. I continuously get automated 'debt collection ' messages from them, one, sometimes two a day. I have blocked the numbers, but, of course, they keep changing it. Whatever debt they are trying to collect, I 'm the wrong person and they need to stop, but as it seems to be a fully automated system, there 's no way I can get them to. The company comes up as " Hunter Warfield '' and the last number they used was ( XXXX ) XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 08-06-2016 about Mortgage (FHA mortgage) with SELECT PORTFOLIO SERVICING, INC. (MD).
Issue: Loan servicing, payments, escrow account

Complaint: Select Portfolio Services is currently servicing my loan with XXXX XXXX being the original mortgage lender. My mortgage loan was modified with the HAMP Program in XXXX of XXXX. I was on a plan to have gradual increases in mortgage payments over a period of 8 years to then have payments stay the same from years XXXX. I filed bankruptcy, Chapter XXXX in XXXX and now my bankruptcy has been discharged. Now that it has been discharged and the mortgage payments are currrent with no arrearages, Select Portfolio has sent me a letter stating that the " Mortgage has been referred for Legal Action ''! 

I am current with my payments and on many occasions the services has claimed that payments were not being made, or either the escrow was short even when I was in bankruptcy! I have paid on all occasions and have paid shortages when they have not been shortages. In addition, based on the modification schedule through the HAMP Program, Select Portfolio has increased the mortgage amount more than the scheduled amount that is due at the time of increase. I have had no luck in getting any remedy or help from Select Portfolio other than them continuing to misallocate my funds and threaten foreclosure when I am current and have been current and I have banks statements to show such. 

I need immediate help and it appears that Select Portfolio goal is to foreclose unlawfully when they are fraudulent in all of their actions to abide by the HAMP PROGRAM. 

Also this modification, states also that I am to give them a balloon payment of {$270000.00}. after year 27 when my new loan amount when the modification was done was XXXX. This doesnt even amortized correctly based on their numbers.l

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 11/16/2017 about Credit card or prepaid card (General-purpose credit card or charge card) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint: The credit card is with Capital One and I filed a complaint against them last month for charging me interest when I pay all last statement balances to avoid the interest charge. It turns out they do not have automatic settings in place to move cutoff dates to next business day when the cutoff falls on a weekend or holiday as stated in the Credit Card Act of XXXX. I made a payment on XX/XX/XXXX before end of day when my cutoff was on the XXXX of XXXX, XX/XX/XXXXand started this whole mess. 

I explained this whole situation to XXXX XXXX and he did refund all 3 interest charges that were applied. He sent the attached letter dated XX/XX/XXXX to me which you also have on file. 
He did not do me a courtesy but corrected an error which should be corrected by Capital One nation wide. My billing cycle ends on the XXXX but I selected the XXXX as my payment date to assure my payments are on time. 

So today, XX/XX/XXXX, I tried to reach out to him by asking to be transferred to him so I could explain that I was charged interest again {$23.00} even after paying the full amount of the last statement balance {$1100.00} and on time on XXXX at XXXX. Which seems to point to the fact that they have not turned off the automatic interest charges as I was inform they would to avoid being automatically charged interest fees every month. 

I gave XXXX 's extension number he provided in the letter, but I got the run around from the customer service representative who informed me she was unable to transfer my call, I could not get a call back from XXXX XXXX, and agents were not available?

Company response to consumer: Closed with explanation
Consumer complaint received 03-06-2016 about Credit reporting () with EQUIFAX, INC. (FL).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: XXXX XXXX XXXX was removed off my credit now its back on my credit and its damaging my credit score with Equifax. 

It was reinserted with no knowledge of information that it was going to be reinserted. I am a victim of identity theft and I advised them of that it was not reinstered on XXXX nor XXXX, but on Equifax. 

I would like for it to be removed

Company response to consumer: Closed with explanation
Consumer complaint received 01/20/2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (MA).
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint: I was notified by Department of Ed ( XXXX sent them information ) that I was receiving a forgiveness for student loan from XXXX and Navient because I have been getting a XXXX payment of {$560.00} p/mo for a number of years due to XXXX. 

While XXXX canceled my payment and refunded my money sent to them since XXXX 2017, Navient did not and continues to bill and acrue interest with no acknowledgement of any kind. I did list them on the sheet from Department of Ed because it is a FFELP student loan. 

I hope you can help me with this dilemma because this loan is climbing much higher instead of decreasing and I can not work.

Company response to consumer: Closed with explanation
Consumer complaint received 07/25/2017 about Vehicle loan or lease (Loan) with ALLY FINANCIAL INC. (FL).
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint: XX/XX/2017 I attempted to payoff my loan. Late charged on my account due to hardship. Contacted Ally they advised of completion of waiver for XXXX by Monday X/XX/2017. It is now XX/XX/XXXX XXXX my 3rd call and nothing is done on the account. I was advised my a " supervisor " XXXX that my waiver was still in process. But early that day a representative told me there were only notes on the account no waiver was ever submitted. I am so tired of companies lying and doing anything they want to get you off the phone. All I want to do is send my final payment and I feel like they are stalling my payoff

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 10/27/2015 about Debt collection (Medical) with Retrieval-Masters Creditors Bureau, Inc. (NY).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: As I am now looking for an apartment to purchase, I noticed, much to my surprise that there is Collection Item on my Credit Report. I am in the process of chasing it down and have discovered that it originates from a company called XXXX. I am extremely annoyed by this as I HAVE NEVER received bills from this company and now I find that a large amount is in collections and I am very concerned that this could effect my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 06/17/2017 about Debt collection (Credit card debt) with SYNCHRONY FINANCIAL (NY).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: I have been in extr  eme financial hardship -- after I pay rent I have only {$40.00} to life on.
I called Walmart/Synchrony Bank and explained the situation ( I have NEVER been late before in over 1 year since I got the card ). T  his was 2 months ago and since then I have been receiving threatening and harassing calls abou  t 12X a day at all hours.
I am being harassed, threatened and intimidated. No one should have to be treated like this -- in addition they are putting on ou  trageous late fees AFTER I called and explained and asked to work out a payment plan.     This is outrageous and is affecting my health.

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 11/17/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: My identity was stolen in XXXX of this year. The identity thief tried to set up an account with XXXX on XX/XX/XXXX. This resulted in a hard inquiry on my credit report with Trans Union.  After many attempts to dispute it, I was advised to obtain a " Letter of Deletion '' from XXXX and forward it to Trans Union so that the fraudulent inquiry could be removed from my credit report. 

Then came many phone calls to XXXX and getting the runaround. Finally I was advised to send all identifying information, social security number, drivers license, police report and various other documents to their address in XXXX, NM, which I did on XX/XX/XXXX. Their response was to dispute any errors with the credit reporting agency. 

On XX/XX/XXXX I spoke with their agent, XXXX, at their XXXX phone number, who advised me to send all the information to their legal department in XXXX, WA. I did so on XX/XX/XXXX. I receive the same ridiculous response! 

In my final letter to both addresses on XX/XX/XXXX, I again explained the situation including attention to a XXXX XXXX at the NM address. As of today 's date, XX/XX/XXXX, not even a response!

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 07/29/2016 about Bank account or service (Other bank product/service) with WELLS FARGO & COMPANY (NY).
Issue: Using a debit or ATM card

Complaint: I live in XXXX, NY and I use Wells Fargo bank. I have been with Wells Fargo since I was XXXX years old ( it was Wachovia Bank then but was absorbed by WF ), moved to XXXX at XXXX, and am now XXXX. There are approximately XXXX Wells Fargo branches in XXXX and none in the other XXXX boroughs of XXXX. When I need an ATM it is not convenient for me to go all the way into XXXX to use a Wells Fargo bank, and therefore end up using a non-WF ATM to withdraw my money. Wells Fargo charges {$2.00} every time I use a non-WF ATM in addition to the ATM fee which is usually around $ XXXX. So every time I get cash I am charged about {$5.00}. I do n't make a ton of money. I work in the XXXX and with ever-rising rents I just barely stay afloat. If I were to take the train into XXXX and back to XXXX just to use the ATM, that 's approximately {$5.00} on my XXXX! So I 'm paying this fee regardless and I 'm fed up! I use an ATM around once a week. $ XXXX/week for the ten years I 've been in XXXX comes out to about {$2600.00} just to use ATMs. {$1300.00} of which Wells Fargo takes as punishment for not using their bank specific ATMs. I want my money back!

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 08-10-2015 about Bank account or service (Other bank product/service) with CAPITAL ONE FINANCIAL CORPORATION (LA).
Issue: Making/receiving payments, sending money

Complaint: This correspondence is in reference to XXXX. I rec 'd a letter from Capital ONe dated XXXX XXXX, 2015. THey still did not address any issue ofmy concern. THe letter states that she found no notes that my daughter conducted a XXXX-way call with her bank. I do n't believe her because they suppose to record phone contacts upon speaking with the consumer because it tells you that the call may be recorded. THat 's not true what she sent to me. I listen to the call because payment was made fvrom my daughter 's account and I could not take care of the issue because it was my daughter 's account. My daugher as told by her bank was never contacted to get payment. THe initial XXXX/XXXX/15 payment was noticied by me and I kept calling Capital One to see why payment had n't posted. We again calledc on XXXX of XXXX and payment still did n't post, meanwhile we are srtill in contact with Capital One about paysment. Finally we were told to get bank on a XXXX-way call because we knew money was in bank. They said the account was closxed, which is n't the truth. tHe payment wasd finally processed after she got her bank on phone about XXXX weeks after the original payment was called in. They are not pulling their records if so they would see that a XXXX dollar payment was finalized about XXXX/XXXX/15. Also I spoke with a person on Wed. XXXX/XXXX/15. She confirmed payment but becvause of so many notes on account she would have someon correct the misleading information and someone would give me a call in a couple of days. I have yet to receive a telephone call from anyone concerning this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 11/29/2016 about Mortgage (Conventional fixed mortgage) with Seterus, Inc. (WI).
Issue: Loan servicing, payments, escrow account

Complaint: I previously had XXXX XXXX XXXX as my mortgage company but in 2015 after losing or misdirecting my 'pay in advance ' monthly payments - I asked permission to pay in advance and credited to payments and NOT principal. However, again they continued to misdirect or lose payments and actually put my house in foreclosure even that I was paid in advance by 2 or 3 months! Then to stop the ( BOGUS ) foreclosure I not only sent the excessive amount to stop the foreclosure- I had to send it TWICE because they credited the money to someone elses account! Now the new company Seterus continues to harass me with bogus charges for over {$1600.00} because they claim I dont have insurance on my house! I called my insurance company even sent them bills and they continue the harassment of either raising my monthly payments, not giving me credit for the monthly preprepayments and cashing XXXX checks they are n't entitled to to stop a foreclosure that is n't even valid because I paid months in advance my mortgage. I call XXXX, write and nothing is corrected and its cost me over {$5000.00}. just to Attempt TO STRAIGHTEN THINGS OUT - BUT ALL THEIR RESPONSE CLAIMS THEY DID NO WRONG AND THAT I SHOULD OF ASKED FOR PERMISSION ( WHICH I DID XXXX 2015 ) TO MAKE PREPAYMENTS TO MY MORTGAGE MONTHS IN ADVANCE )

Company response to consumer: Closed with explanation
Consumer complaint received 07-07-2017 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (TN).
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint: I paid this debt in full XXXX of 2017 and I have already submitted a complaint due to their customer service rep providing false information. This company has stated NUMEROUS times I owe them {$0.00}, which is FACT. However, I get at least 4 phone calls per week from XXXX XXXX trying to collect a debt! I will sue this company if they do n't remove my phone number from their call lists as I owe them nothing. When I call them directly I am told that I owe them nothing. But they continually call me from different numbers that include : XXXX ( XXXX XXXX XXXX, XXXX, XXXX. IT IS NEVER ENDING. this company is disgusting and if they do n't stop calling me to collect a debt that is not owed I will sue them.

Company response to consumer: Closed with explanation
Consumer complaint received 01/30/2017 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (FL).
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint: I have dealt with NavientXXXX for the last 6 years and have always had so many issues. Not only have I been harassed with phone calls on payments, my family has been harassed as well. I have also never been advised to seek XXXXhouse income based programs for any of my student loans ( private, education or federal ) and have always been told that I can only apply for their programs, most of which I can not afford the payments based on my income. I understand there is a current investigation on this loan provider and I ca n't seem to find information on how to get involved with this investigation to see if I have been overcharged or scammed. Any information on this would be very helpful and much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 07-10-2015 about Payday loan () with CAPITAL ONE FINANCIAL CORPORATION (MI).
Issue: Received a loan I didn't apply for

Complaint: I received threatening phone calls from XXXX XXXX XXXX who is representing a client called Gateway. They told me that I owed on a {$300.00} loan back in XXXX 2015. Gateway states they did n't get paid back and they are charging me with fraud and writing a bad check. I do n't even know who these people are. I tried to explain that to XXXX XXXX XXXX and asked for Gateway 's number. They refused to give it to me. They had my SS #, business and personal phone # s but not the correct home address. They were threatening to contact my employer and make a visit to my home. They want to charge me over {$2000.00}. for this " so-called '' loan for {$300.00}. I went through all my bank statements for the year of 2015 and never did I receive {$300.00} in my bank. I asked why I never received any type of correspondence from Gateway. XXXX XXXX ( the debt collector for XXXX ) said that was not her problem and she was turning it over to the courts in XXXX County for lawsuit. Gateway and XXXX owe me an explanation for putting me through this horrible experience. I 'm ready to fight them in court because there is no way I ever dealt with them nor did I receive {$300.00} in my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 06/23/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (PA).
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint: My correct name is XXXX XXXX XXXX XXXX, not XXXX or XXXX. I never lived in Massachusetts just in XXXX XXXX and XXXXXXXX XXXX. My current correct address is XXXX XXXX XXXX, XXXX, XXXX. XXXX My current employer is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX. XXXX ( XXXX ) XXXX. My current correct Phone number is ( XXXX ) XXXX. Please make proper adjustments to all credit bureaus. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-07-2017 about Checking or savings account (Checking account) with BB&T CORPORATION (OH).
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint: I was promised a {$100.00} bonus if I opened a BBandT account and if I met certain requirements such as a direct deposit, ETC. However, when I went to the branch where the account was opened by XXXX XXXX, I was not informed that I would not receive the bonus because it had to be opened online ( allegedly ). XXXX XXXX even accepted a promotional code from me ( XXXX ), and told me that it would work. XXXX XXXX either gave me incorrect information regarding the promotional code or he deliberately misrepresented his bank. A couple of weeks later, when I called BBandT I was informed that even though I met the requirements needed for the promotion since it was not opened online, I would not receive the promotional offer.
BB & T benefited from my money being deposited at the bank but did not keep their end of the bargain. What the banker at BB & T did was equivalent to a doctor advising someone to do a surgery that would negatively affect their health. And then when the patient complained to the hospital ( BBandT ), the hospital would say that the patient did not read the terms and conditions closely enough. If the bankers verbal commments were in contradiction with the many many terms and conditions written on paper then this is fraud. Since the banker could deny saying what he did, I want it to be taken into consideration how as a XXXX XXXX, it would have been easier for me to open the bank account online rather than at the branch and subsequently receive the promotional offer.

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