BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-06
Company: SUNTRUST BANKS, INC.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/16 I checked my balance online, prior to making a purchase at XXXX XXXX XXXX. It said my balance was {$70.00}. I had a an item pending, but my available balance once the pending item was applied, was still plenty enough to cover my purchase. I purchased {$30.00} at XXXX XXXX XXXX, and went home. That night I looked at my balance, as I do daily. I had money available, although I do n't recall how much at that moment. It was a positive balance, and I saw my XXXX XXXX charge go through for {$25.00} ( less the tip amount, which was {$5.00} ). The next day, on XXXX/XXXX/16, I believe I did n't glance at my balance at all, or make a charge. On Friday, XXXX/XXXX/16, I took my sister to the airport and paid for {$2.00} worth of parking, and we got some ice cream for my kids. Since I had n't used my card since the day before, I was sure I had enough to cover the {$15.00} ice cream and the {$2.00} parking, which would have left my balance at {$22.00}. I did n't see this as a problem as I had a deposit that the depositing bank had emailed me about that stated it was due to post to my bank account on XX/XX/XXXX. I assumed that would occur, and either way my balance was positive. That night I paid {$15.00} toward a presidential campaign donation. Right before I went to bed, I wondered why my bank had not yet posted my deposit, but still I had a positive amount of money in my account. Saturday, I woke and looked at my account, hoping the deposit had finally posted. It had not, and I had now a negative balance, due to XXXX overdraft charges that were erroneously charged to my account beginning with the XXXX XXXX charge. So, this here is the problem. At no time prior to that morning, did my account say I was negative, nor did it say I did n't have enough to cover the very first charge I made, that they say made me overdraw. My balance online still reads {$70.00} prior to the XXXX XXXX charge, and they charged me {$38.00}. Next they charged me another, and another, all snowballing because of the first erroneous fee. It continues on today. I have spoken to the bank on three occasions. Once by phone, when the Rep just told me I was overdrawn, which obviously was not true. The next time I emailed, and was given a basic default response, that had n't much to do with what I 'd emailed about. The third time I contacted again by email, no pretty upset. I was given a response that they would look into the matter and either way call me immediately. That was two days ago. No call, no answer. I want my money back, and hope you can help. As of today, XXXX/XXXX/16 they have fined me {$220.00}. When my deposit came through finally on XX/XX/XXXX, I withdrew the money at the ATM. Then, they fined me for that!!!! I clearly had that money in there. This is just ridiculous.

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 2016-09-13
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This debt was paid by medicaid from XXXX hospital and XXXX, i dont have any balance due with them, and also they said that this debt is from XX/XX/1991 in that year i was in the university in XXXX and i never live during that years in usa. I dont have any medical bill from XXXX because i was cover as a XXXX back on XX/XX/1991 in XXXX. I call the collection agency and they dont want to give me information about the debt.They told me that was from XXXX hospital and XXXX i call the hospitals they told me i dont have any bill past due and they dont sent nothing to 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 2021-01-05
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Some time in XXXX of XXXX, I received an alert on my credit report that I had a collection from a company I have never heard of. 
I called the number listed. It is National Credit Adjusters. They said a debt was sold to them by a company called XXXX XXXX XXXX. I called them and they had no information for me. They said they could not provide me any documentation and that I had to call NCA again. So I called NCA again and they had nothing to provide me but an account number and a strange copy of payments due for some type of loan that is not mine. I begged them to provide me the amount, how did I get the money, something with my signature but all they have is some strange docusign paper with the amount of XXXX dollars on it. My name is not even attached. This is apparently from XXXX, and I have never taken a loan for XXXX ever! I even had my bank XXXX go through with me all any any deposits or money from this company or any company in this amount and nothing. I make allot of money and have a good job. There is no way I would ever take a loan for this amount of money. The company NCA are very rude and every time I dispute this, I get a result saying " We investigated and its staying on my credit Report. '' This is not right. This is not my signature on the attached document. I did not receive any money and I did not take a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter in XXXX from the lawyers office saying that I owed {$1300.00} I am immediately called them and asked if that was all that was owed they said yes I have made over {$700.00} in payments to this account yesterday I got a letter in the mail saying that with the same account number they now have a judgment against me for {$1400.00} when I called and asked how this could be they said they added {$800.00} in interest but I do n't understand how they can do this when the second amount is more than the first amount I need a lawyer that can help me they are financially harassing us I am afraid this is never going to stop with these people

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
American Capital Enterprises , Inc. said I owe a debt for my son, As I have no sons, I am confused. I do have XXXX daughters, but XXXX of them were at or over the age of XXXX at the time they are saying the debt occurred, so I would not be responsible for their debts. 

They also said they did not have my address, even though it was part of my last complaint. For the record, my mailing address is : XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

I request # 1 proof that this is my debt with my signature, # 2 proof that this debt was assigned to them and # 3 proof that this debt can legally be assigned and collected by a 3rd party ( again, I need a signed contract showing this ). If this proof can not be provided, they are in violation of the fair credit laws and reporting such a debt on my credit report is illegal. 

Also for the record, I am disputing this debt and all the legal responsibilities and rights that go with this need to be enforced by American Capital Enterprises , Inc.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: GMFS, LLC
State: TN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Please help! My home was sold in a foreclosure auction on XXXX XXXX,, 2016. We were notified on the day after XXXX XXXX by the person whom purchased our home from the investor. My husband and I were not notified that our home was in the foreclosure process. The Mortgage company stated on XXXX XXXX that we were 9 months behind on our mortgage payment. We mailed them via Money order and currently having them tracked down to find out where they were cashed or if they were just lost in the mail. However the mortgage company also stated that they sent certified letters notifying us. However, we do not have any of them either. 
XXXX My 1st question is does the mortgage company or the trustee have to post the auction in a PUBLIC newspaper? as well as the home owner to be notified ( served ) paperwork prior to the sale. We had no idea that our home was being sold. 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Square Inc
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
On XXXX, 2020, I purchased items from a Hair company called XXXX  via cash app. I sent {$250.00} to a hair supplier thinking they were an actual legit hair company. But they were falsely posing as another company and scamming customers. As soon as I sent the money, they blocked me on XXXX  ( where our conversation took place ). Their cash app tag is $ XXXX, I immediately reported them to cash but received no response both times. so I had no choice but to dispute the charge with my bank XXXX. After calling them XXXX  honored me a credit for my claim, but on XX/XX/XXXX, ruled the transaction as authorized. so they took back their initial {$250.00} credit. I have screenshots of the conversion with the hair supplier, with me providing my shipping info for a tracking number. Both Cashapp and XXXX  have not done their part in identifying the scammer, despite the evidence. Cashapp has all the info but still allows these women to scam customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-11
Company: EQUIFAX, 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: 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 these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXXXXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  XXXX XXXX Balance Owed : {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in Dental office on XXXX/XXXX/2014 for dental implant before I new itI was being fitted for denture. Went I called the office I was told. 
'that my denture will be ready for pick-up in XXXX week. I call the officeon XXXX/XXXX/2014 to cancel this order. take to XXXX. Now CareCreditwants me to paid {$2000.00} dollars and placed it on my credit report. 
I informed Synchrony Bank that my order been cancelled mamy times this as hurt my credit I 'm requesting it be removed from my report. I ever received the product.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-20
Company: Bread Financial Holdings, Inc.
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  60 days past due as of  XXXX   XXXX ,  XXXX   XXXX ,  XXXX   XXXX  90 days past due as of  XXXX   XXXX ,  XXXX   XXXX  I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: FIRST CITIZENS BANCSHARES, INC.
State: SC
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I obtained a 30 year variable conventional mortgage from First Citizens Bank and XXXX XXXX on XX/XX/XXXX. The First Citizens representative never asked me if I would qualify for a VA mortgage. Had she done that, I would have opted for that ( VA ) mortgage instead of the XXXX I wound up with. What I found out after obtaining the conventional mortgage was that included in the monthly payments would be a PMI of {$120.00} per month. If I had the VA mortgage there would not be any PMI at all. I feel that First Citizens should have told me about the VA mortgage instead of just telling me about the conventional XXXX. 
It was not until I spoke with an agent from XXXX XXXX in XX/XX/XXXX that I was made aware of the fact that I should have a VA mortgage instead of a conventional XXXX. Since that time I now have a 30 year VA mortgage with a fixed rate which does not have any PMI attached to it. My complaint is should I get reimbursed for the years of PMI which I was paying due to First Citizens failure to inform me about the VA mortgage. 
What makes matters worse, is that the original mortgage was sold to XXXX XXXX XXXX which eventually folded and XXXX picked it up. XXXX has sent me a letter stating that they are not responsible for the PMI problem because they, " Did n't originate my mortgage loan ''. 
I hope that my explanation of what transpired will be sufficient for you to help me out with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
Company: Flagstar Bank, N.A.
State: MI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Around XX/XX/XXXX I spoke to a woman in the drive thru about upgrading my checking acct : being told I was eligible and it should take a day or two to process ; I called the next week and spoke to a woman named XXXX, who said she sees the request and to call and check on it in a few days. I never intended to follow up further, being it's the banks responsibility to follow up with me. I then called customer service on XX/XX/21 after no changes or call ; being told the process is quick and shouldn't have took this long ; I then requested to be transfered to the branch, only to get failed results again.

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 2017-03-09
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have a loan with Santander consumer USA. My loan amount is XXXX, I make a monthly. payment of XXXX. According to my statements, XXXX is the payment, and XXXX is interest. But when the payment is applied all overage is applied to interest. I have called in several times to have the payment overage applied to the principal. They just will not do it. I keep getting told I have to wait for the request to be processed, 3-5 business days. The last time I called in, XX/XX/2017, another request was put in to their finance dept by XXXX ( a supervisor in there off shore customer service office ). Now she tells me I have to wait another 5-7 days. meanwhile there is over XXXX dollars applied to interest instead of principal. How do I go about getting this issue corrected. Thank you for your help with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-05
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: Was not notified of investigation status or results

Complaint:
It has been over 30 days since Ive reached out to the credit bureau and it still has not removed these negative items from my credit report or provided me with a validation of the alleged debt therefore under the FCRA act these items must be removed. Ive attached both of the letters Ive sent in here as a reference which I sent certified mail and I have a copy of the return receipt verifying these letters were sent. I want these items removed from my credit report immediately and I want to be sent and updated copy of my credit report. Ive also attached my identification documents below, my ID, my social security card and my recent utility bill to verify my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Payoff process

Complaint:
I have a Care Credit Card account with Synchrony Bank for medical/dental expenses. In XXXX of XXXX Synchrony Bank enrolled me in a hardship program offering me 0 % APR for 48 months at {$45.00} a month. As of XXXX XXXX Synchrony Bank has reneged on our agreement and started charging and adding interest to my account. I have called four different times and spoke to four different managers to rectify this to no avail. I have a letter from Synchrony Bank depicting our agreement and I advised four different managers of this as well. In return I was told this is my responsibility to pay with the interest. Three managers said, the interest will be removed after the bill is paid in full. How will someone know when the bill is paid in full when interest is constantly added. This is a hardship for me seeing as I am a XXXX in XXXX and I am enrolled in a XXXX program that 's based on my income to debt ratio. Adding this interest to my account will increase my debt which will wreck havoc with the XXXX program. Please help me with this as soon as possible. I should n't be responsible for the interest per our agreement as well as a written letter stating the account will have 0 % APR interest for four years.

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 2016-08-11
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
contacted the company to build my credit while filing a chapter XXXX bankruptcy in XXXX. I paid {$300.00} and received a credit card and worked hard at building my credit. Company closed my account without informing me of this process prior to accepting my payments and deposit. I have lost my deposit, credit with the company and 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 2017-01-23
Company: Santander Consumer USA Holdings Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Santander Consumer USA , Inc. sent me a letter dated XX/XX/XXXX advising me of an adjustment to the principal balance of my car loan of {$910.00}. Additionally, I was advised of an additional adjustment of {$1600.00} for the accrued interest due. Furthermore, I was advised the adjustments were to take between 3 -5 days. As of XX/XX/XXXX, Santander has never provided payment history or any explanation why the adjustments were never applied to my car loan. 
Prior to my car loan being paid in full, I notified Santander to apply the adjustments to my car loan. I discontinued making loan payments as a result of notifying Santander. Santander reported late payments of 30 days for XX/XX/XXXX ; XX/XX/XXXX and 60-day late payments for XX/XX/XXXX and for XX/XX/XXXX. No matter how many times I have contacted Santander they refuse to remove the negative payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29
Company: SYNCHRONY FINANCIAL
State: SC
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Old Navy Credit Card has been charging a monthly minimum payment lets say of {$50.00} per month. Over the past year of payments of making no less than the minimum amount owed the balance for cash advances has increased {$37.00}. A portion of my minimum payment each month comes from these cash advances ( lets say {$8.00} ) and when making the minimum monthly payment only ( {$3.00} ) is being applied to that balance, hence the increase in the balance. This includes instances in which I have paid more than the minimum monthly payment on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The book value of my vehicle is XXXX dollars and my loan with Santander usa is XXXX principle where as the pay off is XXXX. I now owe XXXX dollars for this months payment which is partially due to XXXX dollars in accrued interest and they also attach XXXX late fees to every late payment. In addition, my monthly payments are a ridiculous XXXX monthly and they will not reduce those monthly payments. This seems like it is a predatory loan designed to make it impossible for consumers to pay off. High interest rates which may not be legal rates, late fees and monthly payments which is too high for a vehicle worth half the price of the loan. Is this legal? Recently, Santander usa lost a lawsuit for overcharging their consumers and paid XXXX in financial relief. Can you help me with this company which practices bad business ethics?

Company response to consumer: Closed with explanation