milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 06-05-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (AL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: My wife and I sold our home in XXXX and closed on XX/XX/XXXX. During this process we packed up and moved to XXXX in XXXX. We only to find that and everything was done electronically. A couple of days later we received monies owed to us from the difference of the sale of home and payoff. Sounds great right? My wife and I decided we wanted to buy a new home in XX/XX/XXXX, In doing so the lender ran our credit reports only to find that XXXX reported us 60 days past due for the months of XX/XX/XXXXandXX/XX/XXXX. How could this be we paid off our mortgage in XXXX. After making numerous calls to both title company and mortgage company we found that there was a shortage in the escrow to pay our property taxes of said home in XXXX. The title company received the payoff from the mortgage company and stated that it was good through a specific date which we closed well before that time. Both title company and mortgage company blames the other at being at fault but this does not affect them only us and our credit! We did however receive a letter from the title company explaining what happened and that it had nothing to do with a late payment. We requested XXXX to remove the negative past due on our credit reports but they refused. How can you be late on a house note that was paid in full and have paperwork to prove it? Also how can the new owners receive a clear title for their new home? We have since paid the {$340.00} to clear the escrow but in return would like to see our credit repaired. My wife has spoken with many different people at XXXX with one promise after another only to find out they were lying. We have proof we were never late on our mortgage, this was not our fault as we trusted both title company and mortgage company to handle the closing correctly. We have sold a home previously and never had an issue! XXXX has yet to return any of our calls. Unprofessional to say the least!!!

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 07/18/2015 about Credit card () with AMERICAN EXPRESS COMPANY (IL).
Issue: Billing disputes

Complaint: I Called American Express to confirm that an {$85.00} charge for a XXXX Precheck fee would be covered as a perk and credited back to my account. I was told by a representative that answered their XXXX number on the back of my credit card that the charge would be credited as this was a perk of my Platinum Optima card. I made this call because it was n't clear from their website which cards were included in this perk. After receiving my bill with the {$85.00} charge and no credit I called again to ask when I could expect the credit. I was told to wait a week or so while a supervisor investigates my claim. About a week later I received a voicemail from the supervisor stating that there was no record of my original call and therefore I would not receive my credit since I was incorrectly told it was covered on my card. I immediately call and talked to XXXX XXXX ID # XXXX. He also stated that due to no record they would do nothing to credit my account. I made this purchase on this card based on the fact the I confirmed with AMEX that it would be a credited charge. I did not dream or imagine that this call happened, and while I wo n't profess to understand how their call log system works, I talked to a live AMEX rep, was put on hold while she confirmed the perk with her supervisor, and was then told that the charge would be credited and to go ahead with the charge. I have been a perfect customer for years and am livid that AMEX would not stand behind what its representative say, and that they would expect a good customer to pay for a failure on their end. While I 'm sure their systems are generally accurate, their failure to record my first communication with them, and their denial of it happening, is essentially the same as calling me a liar and holding me accountable to pay for their mistake, which I refuse to do.

Company response to consumer: Closed with explanation
Consumer complaint received 03/23/2017 about Credit reporting () with Progressive Financial Services, Inc. (FL).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: progressive financial services account # XXXX XXXX XXXX, Az XXXX XXXX this account is not mine. I have asked for this company to submit to me a signed contract by certified mail and to this day I have not received any information from them besides on my updated credit report it states verified, no change.

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 07/20/2017 about Debt collection (Credit card debt) with PORTFOLIO RECOVERY ASSOCIATES INC (TX).
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint: This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 11/29/2016 about Mortgage (FHA mortgage) with FREEDOM MORTGAGE COMPANY (CA).
Issue: Loan modification,collection,foreclosure

Complaint: I have been working on a modification with my current lender Freedom Mortgage since XXXX/XXXX/16, the file was deemed complete on XXXX. Every week that I call Freedom Mortgage they provide a different dates it was deemed complete until I read them the previous weeks notes and then they confirm I was correct would be the first problem. The start of the problem is according to the Lender the file goes to underwriting to see if they have all documents and then the file gets assigned to a single point of contact after they decide to deem the file complete which according to the weekly calls was completed on XXXX/XXXX/16 as I mentioned earlier. I was informed that the file would have a decision on XXXX/XXXX/16 and assigned, I called today and the file is not assigned and there was no decision on the XXXX of XXXX nor today which is now the XXXX and we are 40 days from when the file was deemed complete. The representative that I spoke to today stated that the 30 days for underwriting does n't apply to Freedom Mortgage because they can go up to 45 days. According the the CFPB guidelines the lender is to send a notice to all clients stating that the file is completed and the 30 days starts then, no letter has been sent nor received and Freedom Mortgage is not in compliance. 

I will not let Freedom Mortgage victimize me and take away my rights as a consumer when guidelines have been placed for all services to comply to ensure proper procedures are being followed.

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 09/27/2017 about Vehicle loan or lease (Loan) with BANK OF AMERICA, NATIONAL ASSOCIATION (TX).
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint: I made a payment on my auto loan but it was incorrectly applied to a credit card that I no longer have with Bank of America. On XXXX/XXXX/XXXX, I called and spoke with someone who said that they would fix it and provided me a resolution # XXXX. I checked my account a week later and the payment was still applied to the wrong account. I called and spoke with another representative who told me not to worry about it. It has now been over 2 weeks and the issue has not been corrected. My payment due date for my loan was XXXX/XXXX/XXXX and it is now 2 day past due as a result. I am concerned that my credit is going to be affected in a negative fashion due to this error. This needs to be corrected now.

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 12/16/2016 about Mortgage (FHA mortgage) with Caliber Home Loans, Inc. (NY).
Issue: Loan modification,collection,foreclosure

Complaint: Caliber Home Loans engaged in the prohibited practice of " Dual tracking '' after becoming the servicer of the loan and knowingly violated loss mitigation procedures pursuant to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2016 about Debt collection (I do not know) with Ad Astra Recovery Services Inc (TX).
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint: I am a veteran and looking to purchase a home for my family. I checked my credit report as we are trying to make sure we have everything together for next years home purchase. I notice a collection from AD Astra that I did not recognize as something I would owe or to the best of my knowledge I do n't know what this was. I also did not recognize the amounts they are saying I owe. I did some research and decided to dispute the account with AD Astra in XXXX and also again in XXXX and never received any responses in the mail from them. It is very frustrating as I was expecting to hear back from them. I read online about the Consumer Financial Protection Bureau and felt like this was a good next step since I ca n't get AD Astra to respond. I even sent a dispute letter in a legal affidavit format to let them know I was serious about what this and wanted to get some kind of validation of what this was.

Company response to consumer: Closed with explanation
Consumer complaint received 11-01-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
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: Experian refuses to state in my credit report that the debt initially reported by XXXX XXXX XXXX is actually paid. The XXXX balance of the debt sold to another in no way actually indicates that the sold debt by XXXX XXXX XXXX was actually and subsequently paid by me. 
In addition, contrary to the existing laws, in XXXX of XXXX Experian allowed XXXX XXXX XXXX to update the information on the debt XXXX XXXX XXXX no longer has owned since the year of XXXX. Experian refuses to post the information that I paid the debt in question to the new creditor XXXX XXXX XXXX on XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 12/21/2016 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (OH).
Issue: Incorrect information on credit report
Sub-issue: Personal information

Complaint: I received a credit application in the mail and i know it was n't myself that applied for said credit, so i tried to obtain my credit report and it stated that my address is incorrect and i have lived at said address for 8 years. .. Please I was already a victim of identity thieft in XX/XX/XXXX my tax preparer stolen my info as well as my children and spouse due to this he was able to file my tax returns but the irs worked with myself very closely and corrected my return and i received it in XX/XX/XXXX.. Please something is n't right

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 08/17/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: I am victim of identity theft. An unknown person has been using my information to obtain credit. I notified Experian of this, as well as the furnisher of information, XXXX XXXX. I obtained an identity theft report from the XXXX XXXX Police Department as Experian instructed me to do. I sent a copy of this report to Experian as well as XXXX XXXX. The account was removed from my credit report in XXXX XXXX, then it was added back to my credit report in XXXX XXXX. I was never notified by the credit bureaus of the reinsertion as required under the FCRA. I have disputed this fraudulent account numerous times since then and Experian is claiming to verify the account. I am not liable for this account because I did n't apply for it and it is a result of identity theft. Experian is violating FCRA 605 B and I am considering court action.

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 06/20/2016 about Mortgage (Conventional fixed mortgage) with QUICKEN LOANS, INC. (VA).
Issue: Loan servicing, payments, escrow account

Complaint: Loan Number XXXX, for property address XXXX XXXX XXXX, XXXX, VA XXXX Almost one year ago, I purchased a new home. The mortgage company we choose to use was Quicken Loans. This company was XXXX of the preferred lenders from my agency, so I went with them. Just recently, I received papers and billing statements from Quicken stating my current mortgage of {$2900.00} would be increasing to {$3300.00}, a {$400.00} increase. I contacted Quicken to inquire more details. Initially all they could advise was there was a shortage in my escrow, and this was needed to cover it. I dealt with client relations, who then forwarded me to a senior research team member, XXXX XXXX ( XXXX ). XXXX XXXX did some research, as did I, and found out that nothing has changed regarding my taxes or homeowners insurance. There had been no tax increase at all. XXXX XXXX acknowledged that Quicken made an error and they were very sorry for the mistake. I advised {$400.00} a month was not an option, and they have put me and my family in a financial hardship. I inquired about refinancing my current loan ( conventional loan at 3.99 % ) to a lower interest and possibly getting rid of the PMI. XXXX XXXX advised if this could happen it would be at very little cost to no cost for me. I was then sent to someone to calculate if this could happen. They advised it would cost Quicken too much money, so that would n't be an option. XXXX XXXX then asked if I would be willing to do a loan modification. I told her only if it did n't effect my credit. She then determined it would effect my credit so that was not an option. XXXX XXXX was very sympathetic and apologized for their error. She then suggested they might be able to get the shortage of {$2800.00} spread out over an additional length of time, thus increasing my monthly mortgage to {$3100.00} instead of {$3300.00}. I advised the increase would still put me in a financial hardship and I would have never purchased this home if I knew the mortgage payment would be this high. My home was XXXX of the last homes ( XXXX total homes ) in my subdivision to be built, so the research and information was out there for Quicken Loans to give me the correct information. I understand if my taxes increased, then of course my mortgage would increase. However this increase is only due to the incompetence of Quicken Loans and their failure of due diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 01-12-2016 about Debt collection (Non-federal student loan) with Key 2 Recovery, Inc. (CO).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: Sometime in XXXX XXXX I started receiving letters from XXXX XXXX XXXX from Key2Recovery regarding a debt to a school that I do not owe. At first, she acted professional, but later on she became very rude and uncooperative. I had taken out a private student loan through XXXX XXXX about 6 or 7 years ago, and am still paying on it. I moved from XXXX at the end of XXXX XXXX, and let XXXX know that I did n't have a mailing address yet but that I would give it to her once I set up a XXXX XXXX XXXX She called me several weeks later asking if I had received the document proving that I owed money to the school, and when I asked her where she had sent it, she said it went to XXXX. I reminded her that I left a voicemail as soon as I moved to XXXX and got my XXXX XXXX XXXX with my new mailing address, but she became very rude and said that she sent it and was n't going to send it again. She also called me " uncooperative '', when I have been trying to do everything I can to figure out what is going on. She has been calling me ever since then, even at strange hours of the evening ( XXXX my time, XXXX her time ). This is all very odd, especially since I have not changed my phone number since I attended the school, so I do n't see why they never called me in the past 6-7 years if I somehow did owe them money. I have even tried calling the said school several times, but have not heard back. I work at a bank, and have heard of a few debt collection agency scams recently going on, so I know better than to just send off money to them without questioning it. So far, I have not had any proof of anything that I have signed saying I owe this school money. I am still paying XXXX XXXX for the student loan, and everything that has occurred thus far has led me to believe this is fraudulent. It also seems that XXXX has violated the Fair Debt Collection Practice Act. It would make sense to me that if I did indeed owe money to the school, they would probably contact me, and XXXX would have happily updated my address when she was on the phone with me last time ( rather than being rude and saying that she already sent the document proving I owed the debt, and that she was n't going to send it again ). Be that as it may, everything about this seems very fishy, not to mention the fact that a strange number ( XXXX ) keeps calling me, without leaving any voicemails. When I looked it up online, it is a credit management company ... and apparently in XXXX, XXXX authorities arrested XXXX people for what they said was a XXXX scam by a debt collection company that victimized more than XXXX people, and a prosecutor said a wider crackdown was underway. Scary.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 04/15/2015 about Mortgage (Other mortgage) with CITIBANK, N.A. (WI).
Issue: Loan modification,collection,foreclosure

Complaint: My husband and I took out a home mortgage loan and CitiMortgage is the current holder of this account. We have tried to work with them when we became behind on our account. We spent almost XXXX years trying for Harp or Hope assistance from them. It seemed they would not have received XXXX or more documents and then XXXX they would acknowledge they received the necessary paperwork, something new would have to be sent because it was now outdated. We finally gave up after XXXX years. Family members gave us {$25000.00} to place on our mortgage to help. We then asked CITI Mortgage to rewrite our mortgage at a lower rate, and they refused because we were not behind any longer. 

We then ended up filing bankruptcy chapter XXXX. We then tried keeping up with the payments however, we fell behind due to illness. We then put our home on the market and have received an offer. Due to the fact it took a year to sell, our sale has now turned into a short sale. On XXXX XXXX, 2015 we sent in the final paperwork we were told needed to be sent. We gave permission to the representative to talk with our Realtor on our behalf. The Realtor has sent in the necessary paperwork. When we called to find out when we would get the answer to the short sale, we were told once she got the paperwork, she would send it to the underwriter to approve and we would know. My husband has tried on several occassions to contact the rep from Citi and has been unsuccessful. Our Realtor has tried also. Today, XXXX XXXX, 2015, we finally were able to reach a rep and the told us we had missing items. My husband became frustrated and immediately called back to Citi and our representative happened to answer! She informed us she was on another call and could not talk to us. With a little prodding we were able to get her to agree to call back after her call. We then asked her where we were in this process. She told us we were missing items -- our Realtor had n't sent in her paperwork. We told her we just talked with her and she did both send and faxed the necessary paperwork. The rep said " let me look again. '' I used my cell phone and called my Realtor and explained what was happening. The Rep then came back on the line and said things were expiring/or expired and so she could n't do anything until she had updated documents. We told her we would update the HUD paperwork and send the addendum to the listing contract but when could we expect an answer on the short sale. She stated she had no idea because it had to go to the underwriter, the board, and the investors before it would be approved. When asked how long this would take she said she had no idea. She then accused me of yelling at her and I explained that I was not yelling. We then asked this to be expedited ( a HUD agent told us to do this ) and she said she would transfer us to her supervisor. She put us on hold and then after about XXXX minutes hung up on us.

Company response to consumer: Closed with non-monetary relief