milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 08-02-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: Have made numerous attempts to resolve the issue of unauthorized inquiries reporting on my credit report. I have previously made a complaint via certified mail and with the BBB. Transunion refuses to resolve this issue and continuously give me the same response after I repeatedly tell them that the creditors are referring me back to Transunion to get these unauthorized inquiries removed since the creditors do n't show me ever applying for credit as I do n't have any open accounts with them. As a consumer, this is very frustrating because Transunion is giving me the run around and I have already been able to resolve this issue with XXXX and 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 06/22/2015 about Bank account or service (Checking account) with BB&T CORPORATION (MD).
Issue: Deposits and withdrawals

Complaint: I was given instructed by my nephew to deposit his check into my account to pay his rent. I deposited the check into my account. The bank did not credit my account. Instead they put a hold on the check. I called to ask why and was never given an answer or notified by mail as to what the problem was. I contacted my nephew as to the problem, but he XXXX unable to get any paperwork done on the matter. Since he is in XXXX, I cant help at this point. The problem now is that the bank is taking my money to cover a check that is still on hold. Right now they have taken XXXX dollars of my money and my account is XXXX overdraw for the balance of the check amount. I cant use my ATM, or debit card to pay any bills, I am literally without any banking. I do not know why they are taking money from my account, when the check I deposited is still on hold. They never put that money into my account They are literally stealing my money to cover a check that they never cashed for me. I spoke to someone in the corporate office in XXXX and they do n't know why the branch manager is holding the check. This is unusual because a week or so before I deposited a check from the gentleman the rents a room in my home. It was his S.S. check. He signed it and I put it in my account. There was no problem with that check. I need for this matter to be looked into because my XXXX check is direct deposit. How is it that they can go into my account an manipulate it the way they want. What does my money have to do with a check on hold in the account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2017 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NJ).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XX/XX/XXXX XXXX XXXX NJ XXXX Complaint Department Dear Sir or Madam : I recently obtained a copy of my credit report from your agency and found the following item to be in error : My credit report has the below accounts as reflecting closed accounts. The accounts have been transferred to XXXX. These accounts are in error because they closed over 7 years ago or transferred to a new account listed on my credit report. All of these accounts have the same account number as the XXXX account. Please reinvestigate the following accounts and update my credit report to accurately reflect my credit history. Pursuant to the Fair Credit Reporting Act I will expect you to complete the verification within 30 ( thirty ) days. 

Account Numbers : Sallie Mae - Account # XXXX - Account closed XX/XX/XXXX Sallie Mae- Account # XXXX Account closed XX/XX/XXXX Sallie Mae Account # XXXX Account closed XX/XX/XXXX The multiple accounts are affecting my credit score Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 04-06-2017 about Debt collection (I do not know) with TRANSWORLD SYSTEMS INC (WA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: On numerous occasions I advised Transworld Systems based out of XXXX, WA that the individual that they were looking for was no longer an employee. After advising them of a wrong number they continued to call the very next day. I was never advised of the timeline for the number to be removed, only that it would be immediate.

Company response to consumer: Closed with explanation
Consumer complaint received 05/18/2015 about Mortgage (FHA mortgage) with Ditech Financial LLC (WA).
Issue: Loan servicing, payments, escrow account

Complaint: Green Tree Loan Servicing unable to accurately account for our mortgage payments being made on time. Incorrectly reporting XXXX late payments this year when they were made within the established grace period. I can order my cancelled checks proving that. However, the loan history from their website I downloaded and attached here. 

Extremely difficult company to work with, and very rude.

Company response to consumer: Closed with explanation
Consumer complaint received 11/30/2017 about Mortgage (Conventional home mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (CA).
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint: In Bank of Americas response of XXXX/XXXX/XXXX submitted to CFPB, they stated that my DTI was at 70.37 %. I asked Bank of America ( BOA ) the breakdown of the how this percentage was arrived at. The representative did not have that information and said they would get it from their underwriter. 

When they called me back a few days later they provided me with the following line items used to calculate DTI : DEBT : {$6200.00} : {$3000.00} Bank of America mortgage based on 15-year loan term for {$400000.00} {$25.00} one XXXX credit card {$31.00} second XXXX credit card {$13.00} XXXX XXXX {$25.00} Bank of America credit card {$370.00} XXXX XXXX {$2600.00} XXXX XXXX  consisting of {$2100.00} mortgage + {$520.00} estimated taxes + {$47.00} Homeowners insurance Total : Current monthly debt as calculated by bank {$6200.00}. 

INCOME : {$8800.00} No line items were provided. 


In the DEBT calculation I asked for an explanation of {$3000.00} and why they had calculated debt based on a 15-year mortgage term instead of a 30y term what I had applied for. They stated it was their mistake and could not provide me with an answer. 

In the DEBT calculation of XXXX XXXX {$2100.00} I explained that the monthly payment is {$1200.00} not {$2100.00}. No satisfactory explanation was provided. 

In the INCOME calculation I informed them that my monthly income was {$13000.00} not what they stated. They said they will have someone else look at it more closely. 

BOA stated they could not now alter any numbers nor use the hitherto submitted figures since more than two months had elapsed since my application. They asked me to apply again. 

Since XXXX XXXX, XXXX I have been trying to apply to refinance with BOAs recommended representative but they have failed to return my calls nor answer my emails. 

EXPLANATION REQUIRED FROM BOA : I fail to understand the logic of risk assumption based on {$3400.00} a month on their loan against the more secure {$1800.00} a month. 

Please explain to me why BOA is accepting a higher current DTI based on my monthly payment of {$3400.00}. 

And also why choose to ignore the dependability of a $ XXXX monthly payment against the same loan.

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 07/21/2015 about Student loan (Non-federal student loan) with First Associates Loan Servicing LLC (TX).
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint: XXXX XXXX XXXX XXXX XXXX campus. XXXX XXXX XXXX XXXX. 
I just graduated with a XXXX degree and I owe around XXXX in loans I feel that I am being over charged and I have had problems even getting a job.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 04/28/2016 about Mortgage (FHA mortgage) with CARRINGTON MORTGAGE SERVICES, LLC (NC).
Issue: Loan servicing, payments, escrow account

Complaint: I got behind on mortage payments. 
and I sent all information that the mortage company requested and received a repayment plan that I could not afford because they used my fathers income and he does not help or live at this residence. I was told by them Carrington to do a Quit Claim Deed I did so I could submit paper work only for me and I sent them a copy they have on file because I called them to check if received.So now I have received XXXX calls and XXXX letters telling me I have to send in information for my dad even though I did the quit claim deed. 
I have given these people everything they have asked for.I have a XXXX counselor who has faxed everthing to them. I am not trying to loose my house.Now I was told to fax in a request for a loan assumption package I do n't understand it 's like they do n't care if you have done everything they asked and in time.

Company response to consumer: Closed with explanation
Consumer complaint received 10-08-2016 about Student loan (Non-federal student loan) with Navient Solutions, LLC. (NV).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: I 've been trying to pay down my student loans and the interest is keeps going up. I had these loans since 2007 and I did not realize when I signed the contract my private loan is adjustable. I was young and irresponsible and now I 'm paying the price on paying these back. I have XXXX student loans and my biggest concern is my private loan. The lender is through Navient and I tried talking to them and reasoning with them with a better monthly payment but they want me to pay about {$400.00} a month and I can not afford that. I 'm constantly getting harassed with numerous calls and emails and they added new fees and my interest on my loans are constantly going up. I work but I 'm not making as much and I have rent, a vehicle, I 'm paying unemployment back the money I used abusively to pay back my student loans, and I have to pay them back or I will be in prison and get charge a felony. I have a lot of debt and I did file bankruptcy this year but some of my debt could not be discharge. I 'm not sure who I can talk to about this and I ca n't afford to pay that much and I did not even get a degree. I had to stop going because I could not afford to keep going anymore and I only last 8 months and now I owe around XXXX. I wish I had an understanding on how everything worked before I signed the contract and got myself into these loans. When I signed, I still had to pay out of pocket to get get supplies and I did not have a car at the time and had to figure out how to get to school and etc. I 'm very XXXX and XXXX out and I now have an condition called XXXX and it 's effecting me and my job. I need assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Payday loan) with BlueChip Financial (IA).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: Company refuses to send information to me related to debt they say is attached to my SS #. I requested the address once again today so that I could look them up they refuse to give me any information. I have no address for them, no mail to document the debt or way to dispute it, and they threaten to take me to court, saying I have received enough notice! What notice? I 'm still waiting for the mail they claimed to send me 7 days ago. A legitimate business should have no problem giving the address to a consumer so that they can communicate information to be true or inaccurate. These people refuse to give out the location of the office for the consumer to challenge the debt. They refuse to send information to the consumer for review of accuracy. They say you owe us now we will come get you, and then wo n't give out the address, and wo n't send documentation of the so called debt in the mail to me for my review. Is this legal? Please Help.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: My information and twin brothers information is being included together because our social security numbers are a digit off

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 09-08-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (NC).
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint: Equifax has confirmed that my personal information has likely been leaked, along with millions of others via their website http : XXXX They have mishandled my information causing a potential identity theft situation. This needs to be resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 02/16/2017 about Mortgage (Conventional fixed mortgage) with BANK OF AMERICA, NATIONAL ASSOCIATION (TN).
Issue: Loan servicing, payments, escrow account

Complaint: My Home was foreclosed on XXXX 2016 by Bank Of America. I was making my mortgage payment monthly and was not behind on my payments. I have contacted my mortgage company and requested they modify my home mortgage and rescind the foreclosure. 
Bank Of America is the Investor for my mortgage and XXXX XXXX Loans is the servicer

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 06-12-2016 about Debt collection (I do not know) with National Credit Systems,Inc. (GA).
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint: National Credit System is attempting to collect a debt from me for XXXX dollars and I never established a contract with this company.Furthermore this company has reported negative items on to my credit report and is violating the FCRA standard.

Company response to consumer: Closed with explanation
Consumer complaint received 10/20/2015 about Credit card () with BARCLAYS BANK DELAWARE (PA).
Issue: Customer service / Customer relations

Complaint: I filed an complaint with Barclays bank of Delaware on XXXX, I advised Barclays that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Barclays are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Barclays company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Barclays are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Barclays fail to respond in writing, signed by hand, in a timely manner, I will assume that Barclays are in error and this matter will be challenged. As Baclays further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Barclays claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPB, as well as the Better Business Bureau. 
As of today XXXX, Barclays have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRAConsent to publish the description of what happened? Consent providedIssue Customer service / Customer relations

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-01-2015 about Credit card () with U.S. BANCORP (CA).
Issue: Other fee

Complaint: I applied for XXXX XXXX visa card issued by US Bank 2 months ago. The reason that I like this card is it provides " bonus award night exclusively for card members ''. 
After opening of my account, I paid {$75.00} annual fee. And in the card member benefit document it says '' enjoy all these benefits after paying {$75.00} annual fee ''. But just after a few days, US Bank emailed that they cancelled that " bonus award night '' benefit! 
US Bank charges the same amount money for less card member benefit, that is how they make profits! 
They mislead customers to waste XXXX hard pull and apply for this credit card, and suddenly cancel card member benefit to make this credit card useless and I would have not applied for it if I knew it at the beginning!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 09-06-2016 about Student loan (Federal student loan servicing) with Navient Solutions, LLC. (NY).
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint: On or about XXXX XXXX, after reviewing my XXXX XXXX credit report I noticed many erroneous information about an alleged debt that i owed XXXX XXXX XXXX XXXX XXXX ), so I disputed the allege debt with the XXXX XXXX credit reporting agency. About 30 days later XXXX XXXX mailed me a confirmation letter deleting the alleged student loan that I owed XXXX. I was delighted for a brief moment ; On or about XXXX, XXXX I requested for my annual free credit report from all XXXX major credit reporting agencies ( XXXX XXXX, XXXX, and XXXX ). When I received all of my reports, all XXXX listed the alleged debt owed to XXXX as permanently deleted from my credit report ; but now they listed a third party interloper as the Original creditor ( Sallie Mae/XXXX ). So on XXXX XXXX, XXXX I disputed the false information by sending XXXX XXXX credit reporting agency a notice of proof of claim of the alleged debt owed to Sallie Mae/ XXXX. Within thirty days XXXX XXXX purported that the alleged debt was verified and/or validated by a Sallie Mae representative. On XXXX XXXX, XXXX I contacted Sallie Mae student loan department and spoke with a representative about my displeasure of having there company list fraudulent information on my credit report with validating the allege debt. The representative requested some personal information about me, so she could search for any information on me in there system. After a few minutes the representative stated to me that there is no information about me in there system, thus to contact XXXX ; so I conceded. I instantly contacted XXXX and spoke with a representative, I gave the rep. my private information the matter and within a few moments the rep. stated that they had no information about on this alleged loan. Therefore, I personally called XXXX XXXX to speak with a rep. they stated that they would look into this matter further and file a direct dispute on my behalf in 10 days, so far I have not heard anything from this private-for-profit corporation which is not part or affiliated with the United States government. Nor is this 3rd party ( fictitious ) interloper has any wet-ink signatory binding a bilateral agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 03/26/2016 about Student loan (Non-federal student loan) with PNC Bank N.A. (PA).
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint: As I attended the University of XXXX in XXXX PA between the dates of XXXX to XXXX, I had to take out a combination of loans, both private and federal. The school was XXXX of the best schools I got into and I did n't have the best grades in high school so when I got accepted and started attending the only thing I cared about was staying there and graduating, which I did and I am very proud that I have. However, the tuition there exceeded the amount of money the Federal Government would grant me in loans, thus I had to take out pricate loans through PNC bank to support the remaining costs. In the end I had about XXXX of private loan debt and XXXX of federal loan debt. The XXXX I have to pay a very high amount, almost {$500.00} per month and I can not change that number, can not refinance, can not renegotiate, and am powerless also on the interest rates since they are variable. I do not make a ton of money each year and in combination with my federal loan monthly fees, the total is over {$700.00} per month in just loans. I work in the XXXX, so I dont make a lot of money. The only options outlined to me was that if I wanted to get a new monthly payment, a lower one, Id have to take out a personal loan through a bank. They would not approve me for a loan of XXXX unless I had collateral, like a house or an expensive vehicle. Ive contacted private institutions, like sofi loans and the quotes of their interest rates are unbelievable, XXXX and up. Id be paying over XXXX if I took out a private loan per month. I am stuck. I find ways to work XXXX jobs to stay afloat and the downside is that if I make too much money then my federal loan payments go up since Im on the IBR and would leave me paying close to XXXX per month in just loans. I find it unfair that students are being put into situations like this because they attempt to get a good education. I went to school for 7 years and at times I wonder if I just stayed out of school maybe Id be a XXXX making close to what I make now an hour, its depressing. Its not fair that the private loan companies take advantage of uninformed students and lock them into loans that are VIR ( variable interest rates ) and despite me paying them back since the end of 2012, never missing a payment mind you, they dont offer me any other possible change to the repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 08/31/2017 about Debt collection (Other debt) with Hunter Warfield, Inc. (OH).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: I am requesting Hunter Warfield to send debt validation for a collection account they presented to me. I would like full accounting and details for this debt they are collecting on. I am disputing the validity of this debt.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation