vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
It has taken far longer than initially estimated to close on my home equity loan application and I have not been given an estimated close date from Navy Federal Credit Union. I am at a loss on how to complete this application and have already spent over {$500.00} on a home appraisal required to complete the loan. 

I have reached out to my loan processor and both of her immediate managers with no response on estimated closure dates. The only response I receive is that the loan is in final review with underwriting. 

I first applied for this loan on XX/XX/2022. Advertised processing time was 30-45 days but due to increased demand, loan processing was estimated to be 75-90 days. I am now over 150 days into this process. Due to statutory requirements, our credit has had to be rerun and income reverified due to these delays. Please help me resolve this issue, bring the needed attention to my application and compete this loan request. Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: DISCOVER BANK
State: MD

Complaint narrative:
A checking account was opened with Discover in my name despite having a security freeze in place with all three credit bureaus. Discover stated the account will be closed. I have since placed a freeze with XXXX to prevent future fraudulent bank accounts. When I initially had my identity stolen a few years ago, I was not made aware of this additional site to freeze, and did not realize that banks don't use the credit bureaus for checking accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
As per the CARES Act, I called Aidvantage on XX/XX/XXXX and made two requests : 1 ) That all payments made to my Federal Student Loans between the dates of XX/XX/XXXX to XX/XX/XXXX be refunded to me and 2 ) To request that my future automatically scheduled payments be paused until the end of the moratorium.

During said phone call, I was advised that a refund in the amount of {$2100.00} would be directly deposited into my bank account in 2 to 3 weeks. During this same call I was also advised that all of my future automatically scheduled payments would be paused and would not resume until XX/XX/XXXX. 
On XX/XX/XXXX, about a week after the phone call above, a payment was automatically drafted from my bank account in the amount of {$94.00}. I called Aidvantage to request that these {$94.00} be refunded back to me in addition to the previously discussed {$2100.00}, and again requested that my future automatically scheduled payments be paused. During this phone call I was advised that both refund amounts of {$2100.00} and {$94.00} would be refunded to me via direct deposit by XX/XX/XXXX. The {$94.00} was refunded to me on XX/XX/XXXX. 
Since the phone call made on XX/XX/XXXX, I have made four ( 4 ) additional phone calls, and I check my account profile online for status updates regarding the refund amount of {$2100.00} multiple times a day. 
During my most recent phone call with Aidvantage on XX/XX/XXXX, I was told that the refund in the amount of {$2100.00} should be refunded to me via direct deposit within 5-10 business days. However at the time of this writing I still have not received the refund of {$2100.00} nor has my account online been updated with any status updates. At this point I feel that Aidvantage is purposely withholding my refund. Without the assistance of the Consumer Financial Protection Bureau I do not believe I will ever receive this refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: AL

Complaint narrative:
I pulled my credit report and I noticed that I had several name spellings and addresses that were unknown or inaccurate it may belong to a relative but not me I also haven't used my XXXX last name since 2019 so all accounts of those are fraud, I will provide legal documentation of my name change. I also noticed that medical bills on there that I didn't give permission to release my health information I am a truck driver than can be detrimental to my employment. I am listing all the information below in this paragraph MULITPLE NAME SPELLINGS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  THE PHONE NUMBERS ARE HIGHLIGHTED ON THE REPORT THAT NEED TO BE REMOVED AND ALL OTHER INFORMATION UNKNOWN TO ME NEEDS TO BE REMOVED AS WELL I HAVE PROVIDED THE NAME CHANGE LEGAL DOCUMENT TO UPDATE MY PERSONAL INFORMATION

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: FIRSTBANK PUERTO RICO
State: PR

Complaint narrative:
More than XXXX months ago, I requested the adjustment to my debts that I have with 1st Bank, in Puerto Rico. They said that the documents that I sent, which was XXXX documents, were under a supervisor and after they check the documents, they will adjust the interest rate. The adjustment that I am talking about is the Service Member Civil Relief Act ( SMCRA ). Im still waiting for that adjustment, and I also have all the information of the people that Ive been talking to know if my accounts are adjusted. 
I have XXXX accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
To whom it may concern, I have reached out to Experian and I have mentioned that there are inaccuracies listed on my consumer report with 3 accounts. The accounts are XXXX XXXX and an XXXX XXXX collection account. This account along isn't reporting on any other credit agencies and only on Experian. I also noticed inaccuracies on the dates of open, dates closed, due date, address, and many more inaccuracies were found on my consumer report. The accounts were removed and placed back on to my consumer report without my knowledge. I've contacted the legal department at Experian and explained the inaccuracies on my consumer report. I also ask in the investigation of receiving results of verified, I want to know what method of verification was used, who did, when, where, and how? Which method was determined the factor of verification, share that with me, give me a name, person, what method was used?. By consumer law I have the right to ask and know what was the method of verification and be given an answer. I am looking for the inaccurate accounts be removed immediately and permanently. Along the line there are several inaccuracies, violations of my rights and more. Defamation of character, distress has caused mental issues upon myself and if this continues to become a problem, I won't hesitate to pursue legal matters in the near future.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1.Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
2. Validate Account XXXX Account XXXX : XXXX Please remove it from my credit report. 
3.Validate Account XXXX XXXX Account XXXX : XXXX Please remove it from my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I am currently having difficulties with the creditor citizens world. I am a XXXX women on a fixed income and can not keep up with the payments or afford the high-interest charge. I consulted about a Bankruptcy but because i am Judgment proof, the pro bono attorneys won't take me on as a client. This collector continues to send me statements after A cease and desist letter was sent out to them over a month ago. At the moment these letters are causing me lots of stress and impacting my quality of life.

Fair Debt Collection Practices Act, 15 U.S.C. section 805, you are hereby notified to cease and desist all further communication with me in regards to the above-referenced debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
Im accordance with the fair credit Reporting Act XXXX account # XXXX, has violated my rights. 

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

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written consent.

15 USC 1666B : A creditor may not treat a payment on a credit card account on an open end consumer credit plan as late for and purpose.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
In accordance with the fair credit report act XXXX  account # XXXX has violated my rights. 
15 u.s.c. 1681 section 602 A, states i have the right to privacy 15 u.s.c. 1681 section 604 A section 2, it also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have tried calling multiple times. I get put on hold, then told that account is closed which is something I know because citi closed my account without an prior warning. The rep then hangs up the phone on me. This has happened to me with 5-6 different reps

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Scratch Services, Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX my husband, took out a loan through Scratch Services, XXXX of XXXX XXXX CA, a XXXX loan. The amount he/we borrowed was around {$8500.00}. We considered this a very small loan and intended to pay for it over six months. 
Email communication with this company has from the start verged on harassment from the beginning, along with nagging for us to give them our checking account number so we could allow them to take the money out of our checking account automatically every month. I, his wife, handle the bills in our house, so I arranged payment. 
The first payment was due XX/XX/2022. Through autopay out of our checking account we arranged to send the company a paper check on XX/XX/XXXX, nearly two weeks before the due date. 
The very DAY it was due, XX/XX/XXXX, he began to get multiple emails from the company saying it had not gotten our check and telling us to enroll in services which would give them access to our checking account, which we didn't want to do. At the same time the company 's email said it took 15 DAYS to process paper checks. 
Multiple emails and phone calls between us and the company followed. I began to feel like this company was not a legitimate company. We talked to multiple people to straighten this out. My husband had to make me an authorized user on the account, which he did. so I could communicate with this company, as I handle the bills in our house. Finally, having the company swearing they never got the checks I sent, I authorized, over the phone, a one-time payment from our checking account for nearly {$1500.00} on XX/XX/XXXX because I didn't want our credit rating to be affected. 

Of course, two days later they found our checks- which my bank account had issued a stop payment on - and cashed them!!!!!! I called about it and Scratch XXXX now says I am not an aurhorized user, that my husband will have to authorize me every time I talk to them. I have owned four houses and have a perfect credit rating, as does my husband, and this is the worse lending company either of us have ever dealt with. I intend to file complaints with every single government agency or website to tell people they would be better off borrowing from any institution than Scratch Services XXXX. It's been an awful experience for a loan that is tiny. After I write this I will pay off the entire loan because I can't stand dealing with such incompetence for ten more minutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 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: Keystone Credit Services LLC
State: SC

Complaint narrative:
Keystone Credit Services has put a {$9900.00} XXXX XXXX on my report that is 1000 % not mine! They have continually NOT sent me any info and will refuse to admit that its not mine! This has been going on for months now and needs to end! They are 1000 % in the wrong and needs to be taking off my XXXX credit report!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C1681 section 602 A States i have the right to privacy.

15 U.S.C 1681 Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX  ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  ) Account # XXXX ( XXXX XXXX XXXX  XXXX ), Account # XXXX ( XXXX XXXX XXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: MD

Complaint narrative:
On XX/XX/2022, I informed XXXX XXXX of Rocket Mortgage that I did not want to go through with the VA Cash-out Refinance mortgage loan because I needed to look at all my options. 
I did not like the idea of paying a {$500.00} fee and he was rushing me to sign the loan estimate and other documents. 
I kept receiving many phonecalls from XXXX and another Rocket Mortgage associate. On XX/XX/2022, XXXX left a voicemail message that my mortgage refinance application is being withdrawn. 
At the time I was going through a family emergency. My thoughts were not on anything else but my family. 
Yet, I continued to receive calls and/or emails from XXXX, XXXX XXXX XXXX XXXX XXXX XXXX and other Rocket Mortgage associates. I informed them of the family emergency and that I will not be opening a new application. 
I also informed the Rocket Mortgage representatives to remove me from their call list and database. Yet, they keep contacting me ( to include this XX/XX/XXXX morning ). This is harassment. 
On, XX/XX/2022, I noticed an unauthorized credit card transaction for {$50.00} from Rocket Mortgage. I find this behavior highly criminal and disgusting. I did not follow through with XXXX on this mortgage application/loan estimate/loan disclosures nor did I open a new application with Rocket Mortgage. I'm a 21-plus years Honorably XXXX and XXXX XXXX military veteran. I'm highly shocked and offended by Rocket Mortgage 's aggressive and unethical actions towards me. You all have triggered my military-incurred ailments! You all showed no respect or concern for me and my family emergency. I'm unemployable due to my military-incurred ailments. I live on a fixed income. To steal money from anyone is wrong. To steal money from an unemployed and permanently XXXX military veteran because I decided not to be rushed to sign documents and not go through the application is wrong. Rocket Mortgage has a problem with their moral compass and it needs to be fixed! I want my money returned immediately and I want you all to cease with your harassing phone calls/emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX a purchase of a leather loveseat and bench was charged on my Macy 's credit card with an additional fee for furniture protection of {$240.00}. 
This was a Great Giveback certification program. If there were no claims within 7 years, I was eligible to receive a store credit certificate valued at the original LIMITED Product Protection Plan price ( {$240.00} ). 
We received a confirmation of our application on XX/XX/XXXX. 
We never received the Macy 's giveback certificate. 
We called the phone number we were given many times and either I left a message, or they never answered the phone call.

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 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX  ), Account # XXXX ( XXXX ), Account # XXXX ( XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX ) Account # XXXX ( XXXX XXXX XXXX XXXX ), Account # XXXX ( XXXX XXXX  XXXX ), Account # XXXX ( XXXX, XXXX ) have violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
In accordance with the fair credit reporting act, Macys Account # violated my rights. 

15 USC 1681 Section 602 states I have rights to privacy.

15 USC 1681 section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any purpose.

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