vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: IL

Complaint narrative:
I am writing regarding a bill that I received from a debt collection agency for {$290.00}. The bill pertains to a security system service that I received from XXXX XXXX XXXX XXXX XXXX. However, I am bringing to your attention that I had notified the company of my intention to cancel the service in XX/XX/2023. 
In XX/XX/2023, I contacted XXXX and was informed by their representative to take down the security equipment. The representative also told me that our service was disconnected. After giving notice of our intention to cancel service in XXXX, the representative never emailed us a cancellation request. Despite this, we received a bill from XXXX a month later for the security system service. We contacted XXXX again in XX/XX/2023 and were told we were still connected and needed to pay. In XX/XX/2023, XXXX finally sent an email to complete a cancellation request after requesting to cancel service for months. We sent the cancellation request via emailed to XXXX  the same day, and the representative confirmed they received the request. 
As you can see, we took all necessary steps to cancel the service, and we are unsure why we we being charged for a service we no longer have. It's my understanding the phone calls with XXXX customer service were recorded for quality assurance. We would appreciate it if you could investigate this matter and let us know the outcome as soon as possible. 
Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: SN SERVICING CORPORATION
State: TX

Complaint narrative:
During COVID, we had very little to no income. We discussed this on repeated occasions to our prior mortgage company ( XXXX XXXX and/or XXXX ) and to the current, SN Servicing Company .

Our prior mortgage company had mentioned that we could have our payments go to the back of the loan, which we were in the process of that ; however, without any notice, our loan was sold to SN Servicing Company. 
No explanation about our account and/or the discussions that we had been discussing, SN Servicing claimed that they knew nothing about it. 
NOTE : We were paying our mortgage at the time when they sold us. One day I was paying the old company, then without any notice, they deactivated us and we were left on our own trying to find out what was going on. We did not want to be delinquent. 
Some time later ( a few months ), we finally received communications from SN Servicing saying that they had taken over the loan and that we owed them approximately $ XXXX. 
They had some rude guy on our account who demanded that we pay it immediately and claimed that since he had no knowledge of our previous communications with our previous lender ; it was irrelevant to him. He even hung up on us a few times alleging on the call that we were getting " abusive '' further delaying setting up payments ; getting us activated on their system ; etc. Although, we finally did get set up eventually. But SNSC dragged in responding to repeated requests. 
In XXXX this year, we finally spoke to XXXX XXXX. We started over and explained everything all over again for the millionth time and last we left it was she was going to discuss our issue internally along with she sent us information to apply for assistance. When my husband did the application, he did not do it correctly and we were denied. He reached back out to XXXX to tell her and asked what needed to be done to correct it and redo the application. To date, she has not responded to him despite NUMEROUS messages to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit 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: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
I had purchased some airplane tickets with my American Express " Bread cashback '' card. 

Orignal transaction amount was {$500.00} My flight was cancelled/delayed and the airline XXXX XXXXXXXX informed me I would receive a partial refund. I even have documentation of this refund but I never received anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Yes I took my phone to the shop and forgot my card and other info were in the back of my phone. I got my phone back on XX/XX/23 and logged into my Wells Fargo account and seen a slew of atm transactions that were not made by me that day they were posted on XX/XX/23. The anmounts were 6 charges for {$500.00}, 3 charges for {$200.00}, and 1 for {$180.00} Immediately after recognizing the issue I contacted the bank to let them know. I was told that I would receive a temporary credit and never received it. I was told I would be contacted 10 business days later and was never contacted just and automated email. Finally I decided to call them and was told that my case was denied because they determined that fraud didnt occur. I know that under federal law I have two business days to contact the bank and I will not be liable for more than XXXX dollars.

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 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem with your payment plan
Company: Nelnet, Inc.
State: TX

Complaint narrative:
On XX/XX/23, Nelnet switch over only one of my federal student loans to REPAYE/SAVE and left all the others in standard repayment. They would not answer any questions as to why this was the case. I have since submitted another application ( received XX/XX/23 ) to switch all loans to SAVE and they have yet to make any changes to my account. This is causing unnecessary interest accrual and I will have an unaffordable payment when they become due for payment later this year.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
On XXXX i had 3 hard inquires on my XXXX Credit Report. I have tried to contact all 3 companies to no avail. they could not give me any information. I did contact my XXXX but I would like to report abuse of my personal information. I have not applied for any car, home, or personal loans, or opened any new credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
Please help me if its charged off all these years stuff still on my credit that should be off my credit stolen identity people stealing your information I cant get things I need for me

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 2023-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
Hello, I paid my account in full on XXXX. Since then, I have been charged interest and late fees on this account even though the card is closed and I do not have an outstanding balance. 
I have reached out to Comenity several times for an explanation, but the only semblance of one that I was able to obtain from a manager was that possibly an interest charge was calculated prior to my final payment and just not added to my account. 
This bill is now up to {$350.00} and they are offering no resolution. 

XX/XX/2023 Interest Charge On Purchases {$7.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$6.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$5.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$4.00} XX/XX/2023 LATE FEE {$41.00} XX/XX/2023 Interest Charge On Purchases {$3.00} XX/XX/2023 LATE FEE {$37.00} XX/XX/2023 Interest Charge On Purchases {$2.00} XX/XX/2023 LATE FEE {$30.00} XX/XX/2023 PAYMENT - THANK YOU - {$4500.00}

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NY

Complaint narrative:
I called my phone provider XXXX XXXX XXXX in efforts to save money while I was traveling abroad. 
The representative recommended that I temporarily suspend my phone plan with them and renew it when I am back in the U.S which I agreed to. 
The representative had XXXX my account when switching over the new plan. My account was left bare and I was charged XXXX XXXX dollars a day for 3 consecutive days until the new plan was effective. 
I was charged over {$15000.00} over the 3 days! 
Ive spent hours upon weeks on the phone with XXXX XXXX XXXX customer service representatives who agreed with me that this was an error on their behalf, but they were unable to get me the assistance that I needed, given their lack of power in these unique cases. 
Ive made several attempts to connect to their headquarters and no response on their end. 
This has not only effected my credit but my mental health! I have tried my best to rectify this issue and I will not give up. This was a wrongful and complete absurd charge and XXXX XXXX XXXX is to blame for this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
When I reviewed my credit report, I discovered that these items were erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: SC

Complaint narrative:
On XX/XX/XXXX  an EdFinancial representative applied for a Term Base plan to reduce my monthly payments. I have been calling customer service for the last two days on hold for over two hours and then being disconnected trying to find out if Ive been approved for a lower payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
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 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 2023-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I am having an issue with my XXXX card through SYNCHRONY bank. I tried to email them to have cell phone numbers ending in XXXX & XXXX REMOVED from my profile. They stated that this is all linked through my XXXX CREDIT BUREAU which is ridiculous as I have had these same issues in the past before and they fixed it. They always have an old phone number linked to my account and I used to not be able to get a confirmation text to confirm my identity and had to call them to actually add my real cell phone as the website does not allow you to. I used to change phone numbers once a year and it has always been a headache. Why these numbers are back I do not know as I have had my current cell phone for about 5 years now. Either way in order to update your information on the website or even view it. The system prompts you to confirm your identity via a text message to your cell phone and/or a voicemail. Upon having to do this, I noticed they have phone numbers that are no longer valid. I tried to email customer service who said I had to talk to someone so I called customer service and of course they never have any idea of their system glitches and told me to call XXXX. I am tired of the incompetence by these credit holders and I can not understand why they do not have any IT departments to solve these issues faster.

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 2023-10-12 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
On XX/XX/XXXX, I received two fraudulent credit cards issued by Synchrony Bank for XXXX 's XXXX XXXX I filed a police report, froze my credit report with XXXX, and called the Synchrony Bank to inform them of the identity theft and fraud. On XX/XX/XXXX, I notified the Social Security Administration, XXXX, and Identity Theft.gov ( report # XXXX ). 
I have had multiple written and phone conversations with Synchrony Bank regarding the fraudulent charges, the fraudulent cards, the changes in my address, phone # & email they continue to allow. Recent correspondence on XX/XX/XXXX I spoke with XXXX, Fraud Department regarding a new fraudulent card issued to XXXX XXXX on my account and attempted charges on XXXX by said person. XXXX indicated that account was closed, a new account was created & card would be mailed, I am not responsible for charges. On XX/XX/XXXX, there are three pieces of mail from XXXX. which includes two more cards on my account issued to XXXX XXXX & one issued to me. I again called the fraud department and spoke to XXXX. She stated that the company would not speak with me until receiving printed documents verifying my identity. This had previously been sent to them but it was dated.

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 2023-10-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I enrolled into XXXX XXXX XXXXXXXX back in XXXXXXXX XXXX I only attended for a total of XXXX  semesters. Over the years I have tried HUNDREDS of times to contact XXXX XXXX XXXXXXXX to find out how and why my loans amounted to over $ XXXX when I didnt even complete an entire year there. Worse, because of my age they told me the only option for me to enroll was by forcing my father to co-sign for me. I would leave voicemails, messages, complains and never once received a phone call, email or any sort of correspondence from them. 13 years later Im still getting harassed by Nelnet to pay even though the school shut down years ago. I filled out the paperwork to see if I could get the loan forgiven because apparently the school was a scam, but no matter what I did-I never received any follow up. Then when Nelnet over the student loan, they lied to me telling me getting all of the balances put together would make it more organized and I wouldnt continue to receive numerous letters in the mail with different balances because they would all be accumulated into one. I only agreed to it due to how they explained it would make it more paper-efficient and organized. I didnt understand or realize how much that would XXXXXXXX XXXX XXXX because when Ive asked for itemized statements, they tell me they dont have it and cant see it because theyre all combined and I need to reach out to the official school or the Department of Education . And since the school no longer exists, and even when they did they never called me back and they were out of state so I never got to talk to them again. And the Department of Education never answers or worse, if they ever did over the years they would tell me to talk to Nelnet because they dont have the loan or any information!!! Nelnet just loves to pawn you off to someone else, blatantly lie to you or just hang up on you!!!! For the last three years I have told them to leave my father alone and to remove him from my accounts and to STOP contacting him. To cease and desist because he has nothing to do with the loan. They consistently said he wasnt on it and they wouldnt email, call, send mail or anything to himyet they constantly do!!! When theyre on the phone with me they tell me I have one balance and nothing else. Then I bring up the mail he STILL gets even though theyre not supposed to talk to him and then they claim that balance is about someone else, not me. But then when my mom calls, they tell HER the balance is mine and they need to pay it!!!! Theyre liars. Theyre scamming and trying to get my parents to pay on a loan that doesnt exists but when I call they tell me its not true!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Unexpected or other fees — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
As the first use of my Venmo account, a friend transferred {$360.00} to me as his share of an upcoming cost. To do the Venmo standard transfer, I had to prove ownership of my bank account. They offered XXXX ways to do this : through a third party called XXXX ( about which I later learned horrifying things ) or manually by verifying a sequence of small-amount deposits. Both methods failed, repeatedly. Phone help was no help and insisted I pay 1.75 % for the instant transfer option.

In other words, they are holding my money hostage and they want 1.75 % ransom. 

I want my {$360.00} in full, with interest back to XX/XX/XXXX, when they put this obstacle in my way.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Verification request letters were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023 regarding the XXXX 's Account. 
XXXX 's never responded by mail. I used the Chat Box on the XXXX 's website to request for the account history. They finally emailed the information on XX/XX/2023. 

XXXX 's is reporting a charge off on my credit report and that I owe a balance {$1600.00}. However, you can see on the account information that XXXX 's sent shows I do not have a balance. Page 4 of the document, Balance due .... ________ I completely paid off this account as requested and this document shows that. 

This has prevented me from obtaining a loan and I will proceed with an attorney if needed.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Verification request letters were sent on XX/XX/2023, XX/XX/2023, and XX/XX/2023 regarding the XXXX 's Account. 
XXXX 's never responded by mail. I used the Chat Box on the XXXX 's website to request for the account history. They finally emailed the information on XX/XX/2023. 

XXXX 's is reporting a charge off on my credit report and that I owe a balance {$1600.00}. However, you can see on the account information that XXXX 's sent shows I do not have a balance. Page 4 of the document, Balance due .... ________ I completely paid off this account as requested and this document shows that. 

This has prevented me from obtaining a loan and I will proceed with an attorney if needed.

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 2023-10-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my updates, the incorrect information was still found in my reports which has been taken care of due to written appeals I sent. The last letter sent to XXXX credit bureaus was XX/XX/2023, but no response was ever received from them to date. Thus, their action has violated the Fair credit Reporting Act, 15U.S. Code 1681i, which sates that continued reports of the unverified information without any proofs provided, within the time allowed by law, is not authorized. Here is the list of accounts that are still reporting on my Credit Reports : XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief