vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: ATHAS CAPITAL GROUP, INC.
State: FL

Complaint narrative:
To whom it may concern, I have applied for a primary home loan with the aforementioned mortgage lender on XX/XX/2019. I supplied lender with all documents as requested by them in a timely manner and was issued a conditional loan approval with XXXX, which expired XX/XX/2019. 
All of my outstanding conditions were submitted to lender no later than XX/XX/2019. I was told by the loan originator that I will be closing no later than XX/XX/2019. 
The lender has not provided any updates to me in regards to the status of this loan since XX/XX/2019 other than a few emails from the Sr account manager stating that " he is working on it ''. My loan originator, title company, and myself have been trying to reach them multiple times daily with no luck. I have been a XXXX   for many years and have never been so appalled at how unprofessional this company has been. Because it was stated that I was able to close no later than the XXXX of XXXX I am now in default of the contract and will loose my earnest money deposit along with the other monies spent during my dealings with this company. 
The biggest issue I see is the fact I was never provided a loan estimate after my initial application. I have requested this because when they sent me my conditional approval it was for a higher amount down, which is not what I originally applied for. 
Thank you for your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
On my XXXX  credit report there seems to be an unrecognized account that has been active since XX/XX/XXXX a Navient student loan XXXX and that is still active of XX/XX/XXXX, please help me it reads that was joint account.. why is it showing on my report. I have been trying to find help for several months and running out of ways of trying to find out what my best options are

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: AC AutoPay LLC, Denver, CO Branch
State: TX

Complaint narrative:
I signed loan documents for XXXX XXXX XXXX XXXX through Autopay on XX/XX/XXXX. I was told a payoff check would be sent immediately and my 1st payment would be due. XX/XX/XXXX with XXXX. Its XX/XX/XXXX, my old loan has not been paid off, which now has 2 payments due on it. I have already received a bill for the new loan. Autopay did not do as promise and now has put past due payments on my credit. They do not respond to calls or emails. They will only text, and still did not answer my questions.I was told there was no tracking number, but when my husband called he was given a tracking number. I would not recommend using them at all!

Company response to consumer: Untimely response
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On my XXXX  credit report there seems to be an unrecognized account that has been active since XX/XX/XXXX a XXXX student loan XXXX and that is still active of XX/XX/XXXX, please help me it reads that was joint account.. why is it showing on my report. I have been trying to find help for several months and running out of ways of trying to find out what my best options are

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
In short, after more than 5 years of good standing, never a missed payment, American Express decided to increase my purchase interest rate by 6 % ( to 20.49 % ) on XX/XX/XXXX for no stated reason with no reasonable notice. ( Simply changing the interest rate number on the bottom of a statement is not reasonable notice for such an unexpected increase. ) Having never been delinquent with a payment, one expects that their interest rate is not going to rise to astronomical levels without due cause or at least a notice. I've done what I am supposed to do, I've always paid my bill on time, American Express has continuously given me credit increases over time. I never had a reason to expect that they would have due cause to raise the rate. Finally, as I approach my credit limit due to hardship, they crack the interest rate up. This behavior is nothing short of predatory. 

They even had the nerve to do this on the XX/XX/XXXX, our XXXX XXXX XXXX. If this is the new America, I am ashamed of my country. 

Info : Purchases XX/XX/XXXX-Current : 20.49 % ( v ) Purchases XX/XX/XXXX to XX/XX/XXXX : 14.49 % ( v ) This is how I am rewarded as a loyal customer in good standing after 5 years. Shame on AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CMRE Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/20 a male individual posed as someone with questions and needing assistance related to my work and called the work phone line that got transferred to my extension. Then proceeded to tell me that the person is working as a process server and while not working for the company that he represents has summons for me to appear in court from a company called XXXX XXXX. I requested to refrain from calling me at work and also demanded that I be given a written poof or documentation regarding this summons as I am not aware of such and had not been previously informed of any of this. He did not disclose what the issue is about and just gave me the phone number to call for information and insisted that he will come over to my place of work in 30 minutes despite my request and after telling him that I am aware of my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
XX/XX/XXXX I wrote to each of the 3 credit bureaus : Please investigate the following accounts and remove them if anything is missing or not correct on them. 
Creditor : XXXX XXXX, Account : XXXX Reason : Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

Then again on XX/XX/XXXX whe I disagreed with the results : Creditor : XXXX XXXX, Account : XXXX Reason : The status on this account is incorrect and This account was paid in full. Delete collection/chargeoff because it is inaccurate. Delete comments because they are unproven. 

It has been months of back and forth with the bureaus and XXXX XXXX and changes to mistakes on the reporting. ( 1 ) it was not a repo and XXXX did not provide a debt validation to me ( see attached ) so how did they respond to the bureaus. ( 2 ) One bureau corrected it only to later change the reporting. ( 3 ) a charge off can't be paid and have a {$0.00} balance. I don't know what XXXX is trying to pull but I made the payment on this account according to the contract and now they are trying to do some bait and switch tactics while acting like I didn't write to them. This is ridiculous! It's hurting my score and making me look bad. Please remove this inaccurate reporting! 

And shame on the credit bureaus for not doing a through job!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: SLM CORPORATION
State: TN

Complaint narrative:
On XX/XX/2019 I was assigned a new account manager since my loans has been in the collections department for some months now due to me missing only 3 months of payment. ( I believe they were XXXX, XXXX and XXXX ) When I spoke with that case manager, I informed her that I wanted to set up my payment for half of the {$300.00} and the other half can be paid in two weeks. ( I have been splitting up my payments in half so they can take money out every two weeks due to me not having {$300.00} all at once. All previous case managers have been okay with doing this for me ) The agent XXXX was giving me push back during the call about the amount that I wanted to pay and instead of setting up my payment she said she was going to put me on hold or transfer me to the loan modification department. Not really knowing what was happening I did wait on the phone for 30 minutes and then I hung up. Fast forward 20 days later I found out that a payment was never set up and that agent put me behind another month for the month of XXXX. I've reached out and talked to multiple agents XX/XX/XXXX or XX/XX/XXXX explaining the situation. The representative that works in the escalations collections department XXXX, was very dry on the phone with me. She sounded like she did not want to help me. Her response was " well what do you want to do? '' My resolution that I thought would be fair is for them to clear the month of XXXX due to an error that was done by their agent. 

XXXX admitted that their agent made a mistake and passed the buck but she also kept stating that I should've called back to make a payment. Even after I told her I never had to be transferred to another department to set up a payment since my information has been in collections. I told her all my account managers have set up my payments but this agent did not want to assist. I then asked to speak with XXXX XXXX manager, she stated he was not available but she would reach out to him to see if they can offer an exception and wipe out the month of XXXX for me. The account manager XXXX that was assigned to me, that works in the collections department never called me back, not once when she figured out that a payment had not been set up. I let the agents know that collections will call you if they are still excepting a payment from you, but this agent XXXX never called back. 

To get me out of collections I have to pay {$1100.00} by the end of this month so I can be back on track for XXXX. I already had them set up 3 payments for XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX to take out {$300.00} but that would still leave me short {$270.00} to pay so I am not behind a month. I am not rich by any means and I just want Sallie Mae to be held accountable for the mistake that their agent made

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
I disputed an account that is reporting on my credit in error. This account is negatively affecting my credit and I can not get it removed from my credit reports due to the credit bureaus not conducting a thorough investigation. On XX/XX/19 I mailed a dispute letter for this account that is reporting as a chargeoff/collection and in the comments it states it was sold to a third party collector. I do not know who this third party collector is they are stating now owns the account nor is it even reporting on my credit. In the first dispute letter I asked all three of the credit bureaus to investigate this account and verify it. They keep coming back saying it is verified and updated. I did not ask them to update anything. I asked them to verify it and if they can not properly verify it then to delete from my report. Then I sent another letter on XX/XX/19 on to ask them to re-investigate and send me the information they used to verify the account from the creditor which I received the same result. They did not tell me how they were able to verify the account when the creditor no longer owns the account and they clearly did not conduct a through investigation. I sent a third letter to them on XX/XX/19 telling them they are violating the law by falsely validating this account and not removing it from my credit report. They sent a response back saying they updated more information on this account which is completely inaccurate. I never opened this account and they were not able to send me an original contract with my signature. This one account is causing me to be denied for my business funding and I am beside myself that they can even do this to me and ruin my credit this way. Equifax, XXXX and XXXX are not doing their job and this is very upsetting as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NC

Complaint narrative:
The following company continues to call me from a variety of numbers, usually numbers associated with area codes my family or I live in. The numbers that they use can not be called back as they are usually disconnected immediately or someone answers who claims to never have made the call in the first place. I've offered to pay them back using an online/XXXX, mail, or in person process but they insist I give out my debit card or banking information over the phone. I don't feel comfortable doing that, especially when they call me from a different number multiple times on a daily basis. Any help you can provide would be appreciated. 

PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I booked a roundtrip flight on Chase Travel - from XXXX XXXX to XXXX. The outgoing flight was XX/XX/XXXX - returning on XX/XX/XXXX. I took the first part of my flight on XX/XX/XXXX - when I arrived to the airport on XX/XX/XXXX - I was told by the airline that Chase had never issued me a ticket for the flight and I could not board or rebook because I had no ticket. I called Chase and was told it was an agent error and the agent had not issued a ticket to the airline for my return portion - even though I had PAID for it back in XXXX. I subsequently missed my flight and had to be put on a flight the next morning - XX/XX/XXXX. I had to spend a very expensive night in XXXX ( because it was XXXX XXXX XXXX ) and there was little accomodations. I have gone back and forth with Chase and they have told me I am not entitled to a refund for my flight ( even though I was charged for a roundtrip flight and never received the portion back ). I never received service for my flight on XX/XX/XXXX and was not given a refund - so this charge is fraudulent. 

Charge : XX/XX/2019 - {$340.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Victim of identity theft

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
It's not my accounts, I never applied for it. I didn't sign any contracts with this company.

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 2020-01-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: GreenSky, LLC
State: MI

Complaint narrative:
We received a bill for {$14000.00} from " GreenSky '' on XX/XX/2019, with an interest rate over 25 %. However, we have never agreed to any loan from Greensky, we have never signed any financing paperwork or approved anything related to a " GreenSky '' account or loan whatsoever. We've never seen any loan information ( other than a bill, after the fact ). The account was fraudulently opened and fraudulently charged against, apparently by a contractor who did terrible work and never finished the job. I believe this as " XXXX XXXX '' ( the contractor ) is the only charge against the account. They apparently took our information and took out a loan without our knowledge or consent. 

We immediately called the company, " Greensky '', that day, and submitted a Dispute in writing per the directions on the bill. They told us they need to investigate and that they would get back to us. Someone then told us via telephone that we are responsible for the loan. We asked for proof, documentation, signatures, anything at all they have that would establish this loan is legitimate ( which we know it is NOT ) and they simply refused. They acknowledged that they did not have any type of loan agreement in their possession. They have not responded to any of our written inquiries or disputes ; we emailed their dispute department on XX/XX/2019 and XX/XX/2019, and sent a certified letter on XX/XX/2019 ( which they did receive ). They have refused our requests for additional information, or documentation supporting their belief that we are somehow responsible for this loan. 

When we call the " representative '' they assigned us, the call goes immediately to voicemail. When we call the XXXX number, we get re-routed to that same voicemail. They are refusing to speak with us or answer our correspondence, and continue to send us bills for this amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Hello good day I am a bluebird account holder I woke up this morning saw that I was not able to login into my account I got a email saying. As a result of such activity, and pursuant to Section 22 ( d ) of the Bluebird Member Agreement, your Account and your Account privileges have been permanently suspended. 

I need help I have funds in my account an I need to pay Bills an my rent

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Victim of identity theft

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 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Arete Financial Group
State: WV

Complaint narrative:
I wasn't sure on what to choose on the options given on the following questions. This is my problem. I have been paying a loan debt forgiveness company for almost a year. This company stated that if I paid the amount allotted for 10 years, my debt would be erased. It was a debt forgiveness program. I have had no problems with them until recently. I received an email on XXXX XXXX that my card was declined ( due to a new card, the did not have the new expiration date ) and I have tried to email them back, I've tried calling and I've left voicemails with no replies back. I recently logged on my account with them and it says that the FTC is filing a lawsuit against this company. I am unsure on what to do at this point with my account. I do not want my information in the wrong hands. This company has all my banking information and may social security number. I have been paying this company and the XXXX XXXX XXXX both XXXX dollars each month. I am unsure now if the Arete Financial Freedom Company was helping my loan status or not.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax ; XXXX and XXXX are reporting incorrectly a collection/charge-off in the amount of {$620.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account has been paid in full and has a {$0.00} balance due. Reporting this account as a collection/charge-off is seriously harming my credit score. This line item needs to be removed from my credit report. I have contacted the ( 3 )  bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
Confusing or Missing disclosures /did not receive notice of right to dispute. Coupled with the fact that the loans are over 10 years old for one and the other two are 9 years old.

Company response to consumer: Closed with explanation