BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-11-05
Company: Avant Credit Corporation
State: LA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I made a payment to my Avant Credit Card, after reading their payment processing policy, I made a {$100.00} payment on XX/XX/XXXX @ XXXX XXXX Central Time. On XX/XX/XXXX I received an email saying that the payment had posted to my account. The payment had also cleared my checking account from which I made the payment. On XX/XX/XXXX my account was still not showing the payment as available credit on my credit card. I contacted XXXX XXXX XXXX XXXX and was told the payment would not reflect as available credit on my card until XX/XX/XXXX. I asked why seeing that the payment had cleared my checking account and I had received an email from the XXXX XXXX XXXX XXXX on XX/XX/XXXX saying that the payment had been posted to my account. XXXX XXXX XXXX  XXXX made no offer to post the payment even after I called their attention to their own credit card payment posting policy outlined on their website. This is basically steeling, as they are charging interest on purchases that they have already received payment for days ago. I have listed their payment processing policy below exactly as it appears on their official website, but apparently they are not responsible for being truthful with their customers. 

" " XXXX  Payments How can I make my payments for the XXXX? 

We have a few methods of payments available for our XXXX customers. You are welcome to register your checking or savings account to your file here at Avant and can set up either recurring payments through our AutoPay service or initiate one-time payments on the dates you prefer. Additionally, you are welcome to submit paper check or money order payments to the following address : Avant, XXXX XXXX XXXX XXXX XXXX, WI XXXX When submitting paper check payments, we request that you provide the following information on the check : Full name as it appears on your statement Last 4 of your credit card account number Note : Credit Cards are not an acceptable method of repayment for the XXXX. Payments must be received by XXXX XXXX Central time to be credited as of that day. 

Why does my payment status for the XXXX say " pending ''? 

A payment to the XXXX will be in a pending status for overnight processing. If a customer initiates a payment before XXXX CT on a given day, the customer will receive credit for making the payment that day. However, the payment itself may be in a pending status until the funds are received and have cleared from the customer 's financial institution. Once the payment clears, the customers current balance will be adjusted to reflect the payment amount theyve initiated. 

Can I choose/change my XXXX minimum payment due date? 
At this time, XXXX does not allow our customers to change their payment due date. We apologize for any inconvenience. " ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
Bank of America chose not to do business with me. They have yet to notify me of why stating they do not have to provide me with a reason. Next they stated my account was closed. The account was not closed so my deposits still went into that account. They will not release any of my funds and keep telling staff to not provide me my funds or any information regarding my account. They stated it would take 10 days to close. They have stated it closed on the XXXX but no check was issued out. Today on the XXXX a man named XXXX in the risk account closure XXXX stated theyll close my account when they close it. No set date ever has to be made nor information provided. I would like the funds off that account and for Bank of America to be held accountable for their lack of information and understanding towards a consumer.

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 2023-06-26
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX XXXX Balance : {$420.00} XXXX  XXXX XXXX Balance : {$2800.00} XXXX XXXX  XXXX Balance : {$420.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Ditech mortgage will not stop charging for optional insurance long after it has been cancelled. I have a cancellation letter dated XX/XX/2017 and the optional insurance continue to be billed. Even though the insurance was just {$33.00}, the non-payment generates late fees and causes the mortgage payment to appear on the mortgage statement as " suspended. '' In reality the optional insurance is paid to the XXXX. The cancellation letter goes to me but it is unclear how Ditech is informed. This much is true, when I called Ditech on XX/XX/2017 and talked to XXXX and then to XXXX to complain about the continuing charges, late fees, and late payments due to their " suspensions '' I was told that XXXX is responsible for the charges not Ditech.

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 2023-08-08
Company: Avant Holding Company, Inc.
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
In XX/XX/XXXX I was contacted by phone & email from several credit companies inquiring if I had applied for credit with them and I had not been applying for credit. I knew that somehow someone was using my information to try and get credit in my name. In XX/XX/XXXX I received an email from Avant stating that my statement was available to view. I immediately called Avant to let them know I did not open an account with them and that I had other companies reach out to me letting me know that credit was trying to be opened in my name. Avant sent me a 10 page report to fill out. The report stated I had to file a police report to acknowledge fraudulant activity in my name, so I did that on XXXX and submitted the information to them by fax on XXXX. I continued to receive emails that my statement was available to view so after a couple months I contacted them again and was asked to send the 10 page report again. This time I faxed it, emailed it, and also mailed the report and never received a response from them. I filed a complaint with the credit bureau companies in XXXX and they responded they couldn't help me get it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: EQUIFAX, INC.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I'll never live at the following addresses this is incorrect : XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please delete the following incorrect employer : XXXX 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 2019-09-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Transunion has failed to respond within the allotted time frame. 

This is regarding my student loan payments to XXXX. 

See my original complaint for details.

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 2023-11-06
Company: NAVY FEDERAL CREDIT UNION
State: NV
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I filed a credit card fraud claim in the amount of {$6400.00} and {$940.00} on XXXX and XXXX of the year XXXX. But recently I have gotten a letter in the mail saying that my claim was denied and that I owe that amount on my credit card starting XX/XX/. Navy Federal has not found any of the claims valid even though I had XXXX service and XXXX ability to use my credit card because I am XXXX XXXX so I get XXXX to wildfires two weeks at a time. The company has done nothing to resolve this except by putting me in serious debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-29
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I had a call that was from an individual portraying to be an us bank representative. The number that they were calling from was similar to us banks number. Just 2 numbers were reversed. They know everything about my account and told a XXXX transaction had been attempted on my bank account. I immediately opened my us bank app to look at my account. This person said they were remotely going to log in to my account to help me. Which us bank has done for me before. While I was looking at my account info I was receiving text messages that said it was from us bank. Meanwhile the man remotely hacked my phone and was making a transaction payment on XXXX  app. It happened very fast. And before I new it he hung up and my phone refreshed the page and XXXX dollars were withdrawn and sent thru the app XXXX. I immediately call us bank and reported the incident. I also went to the local branch, they contacted the fraud department too. The fraud department recommended I close all my accounts since they may have been compromised. So I closed all my accounts. I also filed a police report. It really concerns me that us bank promotes XXXX on there mobile app and supplies a direct link to there site.

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 2018-11-06
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I am currently applying for a mortgage loan with XXXX XXXX XXXX. Today they attempted to pull all three of my credit reports and scores ( XXXX, XXXX XXXX and Equifax ) thru XXXX XXXX. Only two scores came back ( XXXX   and XXXX XXXX ). Equifax had a message indicating my file is " blocked ''. I contacted the department within Equifax that handles consumer report " freezing '' via telephone today and was told there is no current freeze on my credit file and there is no history of there ever being a freeze. I contacted my mortgage lender with this information and they attempted to pull my credit but were unsuccessful. They gave me a telephone number to call ( XXXX ) which is the department within Equifax that oversees the " blocking '' of files. I called and again I was told there was no " block '' nor any history of a " block '' on my file. I contacted my mortgage lender again and after some research they were able to get information about the error they are experiencing : Error code XXXX signifies that Equifax has blocked the Lenders inquiry because the combination of demographics used ( i.e. Name, Address, SSN ) has been identified as fraudulent or not matching the credit file. To resolve this, the Lender must ask their consumer to contact Equifaxs Consumer Department at XXXX and validate the demographics the Lender is using to pull their credit report ( Name, Address, SSN ). Usually this is due to the info missing from the credit file or the information requires further verification from the consumer ( such as a new address or new last name due to marriage ). This occurs due to an automatic process in the Equifax system and is NOT put in place by the consumer. 

I have verified the mortgage lender is entering my correct name, address, social security number and date of birth when requesting my file. 

I again contacted Equifax at the number listed above and again told my file was not blocked. 

My mortgage lender will charge me a higher interest rate on my loan if they aren't able to access my Equifax report so this problem must be resolved IMMEDIATELY. This is an urgent matter. The closing on my new home will be delayed until they can get my Equifax file.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-13
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I am no longer an authorized user on the XXXX XXXX  account ending in XXXX but its still reporting to my credit score.

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 2023-11-06
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
I got an email yesterday my bank account went - {$20.00} for bank fee and I barely use Citi bank

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 2023-04-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
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 only names that should be on my file is XXXX XXXX or XXXX XXXX The only address is my home of 10 plus years XXXX XXXX XXXX XXXX MI and XXXX XXXX XXXX XXXX XXXX mi XXXX. My Identity was stolen still trying to put it all together I made a report with my local PD and and frozen all my credit reports and taking the next steps with my local PD

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 2020-09-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
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:
I was already in the rehabilitation with the Department of Education. However, they never remove it out of collections. It has a negative effect on all 3 credit bureaus. I was was informed in writing if I complete the program the negative remarks will be removed from my credit report. Also, I was never informed about the forgiveness program. My due process was never given to me. For example, no one never explained the Income Based Repayment Program. Based on my income my payment will XXXX amount and the negative items would of never been on my credit. In fact, I would of been in an excellent situation regarding my credit!

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 2023-11-06
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The web interface for wells fargo keeps saying I have late fees and keeps not updating my payments to autopay even after stopping the pay stops from my other bank. I missed a payment due to Wells ' Fargo web user interface not being the friendliest. I plan to keep filing complaints every day until someone at Wells Fargo helps me to fix my credit. I will keep submitting these constantly and consistently until someone hears me out. I never miss payments until this issued happened on this banks ' website. I am trying to be able to afford a home in this crazy economy so forgive my persistence to get this credit fixed. Thank you in advance.

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 2023-08-07
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Navy federal placed a permanent restriction on my checkings and savings and membership acct, stating the restrictions are due to suspicious activities after contacting them via phone as well as visiting a Navy Federal local branch. Furthermore, I then received correspondence from them via US mail stating that my acct is restricted due to mis-handling my acct in the past. For the record I have done neither accusation mentioned above. I would like the restrictions to be removed from my acct so that I can resume with my normal life. Navy federal is treating me unfairly and unjust. Please help me correct this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: NAVY FEDERAL CREDIT UNION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
This are the Inquires i found on my credit score after receiving my score, i did not consent this Inquires. 


NAVY FCU XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX NAVY FEDERAL CR UNION Credit Unions XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX NAVY FCU Credit Unions XX/XX/XXXX XXXX NAVY FCU XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-10
Company: WELLS FARGO & COMPANY
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Not sure but company has a wide web problem with deposits. Not getting any answers or when the problem will be fix. Causing account to be negative. can pay bills or by anything. Verify inconviencing

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