vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Balekian Hayes, PLLC
State: NE

Complaint narrative:
XXXX XXXX XXXX sent a debt of {$470.00} to Balekian Hayes , PLLC. in XXXX of XXXX. Balekian Hayes , PLLC used XXXX XXXX for debt collection. 
I paid this debt in full ( {$470.00} XXXX in XXXX of XXXX. I have a bank statement showing this payment cleared and was paid to XXXX XXXX. In XXXX of XXXX, XXXX XXXX XXXX XXXX XXXX Indiana XXXX XXXX XXXX attempted to collect this paid debt. I requested verification and that they cease all attempts to collect the debt, in writing in XXXX XXXX and I sent proof of payment XXXX bank statement copy ) in writing in XXXX of XXXX. In XXXX of XXXX, I received a call from XXXX XXXX XXXX XXXX XXXX attempting to collect this same paid debt. I asked that they provide proof I owe this debt. 

My concern is that I am being contacted for a debt that was paid in full and now the burden falls on me to repeatedly prove it when it should have been marked as paid when it was paid in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I have had numerous issues with my account since its inception ranging from incorrect account information ( I have been placed on several accounts by NFCU reps. ) to inaccurate information about fees and charges. Prior to the hurricane Irma I had charges on my account of {$79.00} which I did not make which placed a domino effect on my account. On yesterday XXXX/XXXX/XXXX I contacted customer service per two pending payrolls that I saw per my NFCU app one was for {$4000.00} which is from my work direct deposit and the other for {$270.00} which is my XXXX daughter child support. I requested that the funds be released to me early due tot eh storm Irma 's impact on my personally which I was advised that if the funds were released to me early it would place my account into the negative. At this time there were already numerous {$29.00} return check fees on my account which amassed during the storm and my inability for deposits to occur since there is no branch of Navy Federal in XXXX XXXX XXXX FL. {$1000.00} of my money was released on yesterday and I ask if there were any other pending incoming charges which would result in fees and I was told " no '' this was not the case but this morning while logging on to my account additional items were indeed presented which normally occur on automatic draft around the XXXX of the month and these resulted in additional fees from Navy Federal. This could have been prevented with the full release of my funds as  requested. Additionally, I was told that my child support funds could not be released on yesterday but they were placed into my account and dissolved ( which should not have occurred ) on top of the {$1000.00} I placed int he account on yesterday to resolve any negative balance due to fees and overdraft which i have approved on my account to occur up to $ 500.As a victim of Hurricane Irma, a single parent with a disable child this matter is placing undue financial hardship and emotional stress on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Bread Financial Holdings, Inc.
State: MI

Complaint narrative:
I have limited exact dates of transactions as the company XXXX XXXX XXXX closed in XXXX of XXXX. I purchased several packages from XXXX XXXX XXXX for XXXX XXXX XXXX between XXXX and XXXX. Over those 4 years I paid XXXX XXXX XXXX approximately {$6000.00}. In XXXX when my services ended without being complete I stopped paying XXXX XXXX XXXX as they closed. When I stopped paying I was sent letters from Comenity Bank asking me to pay my balance. I explained to them several times that I do not owe the debt as my treatments are incomplete and in fact I felt as XXXX XXXX XXXX  owed me money. I paid thousands of dollars and still have incomplete treatments. XXXX XXXX XXXX agrees to continue treatments until all hair is gone. They discuss that it can take years of treatments. I did as Comenity asked me to do regarding disputing the charges. I sent them letters expressing that I dispute all charges. I told them I could not get exact transaction dates as XXXX XXXX XXXX is closed. They did not accept my dispute and have continued to harass me. I am now being sued by them. Comenity is claiming I owe them {$2800.00} however with interest and fees they are now suing me for {$4200.00}. They have hurt my credit and I am so stressed. I do n't understand how a bank can harass and force people to pay for services they did not receive. I obviously did not get the services as the place closed. As I have told them I would pay if I received the money or the service but I did not. How can we as consumers trust the stores we purchase things from if this is allowed? If I want to apply at a store for credit for floors I will not ever want to do that. What if they close before I get my floors and I have to pay for them anyway? I think this is a scary precedent to set, that banks can collect money despite no serve or product being rendered. The definition of purchase is to by a product or service. I purchased nothing. I should owe nothing. I am also assuming that Comenity Bank received large payments from XXXX XXXX XXXX when they filed chap XXXX or XXXX. XXXX XXXX has my services and my money not me. Comenity is harassing the little person in this and I am beyond angry. I have also complained to Better Business Bureau and the Attorney General 's office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I was informed by the media that Equifax accounts had been hacked and that possibly my information had been stolen onXX/XX/XXXX 

I was redirected from the Equifax website to https : XXXX to check and see if my account was one of those affected. I entered my information and was told that indeed my account was affected by the 'breach ' in security, and I was told to come back on XX/XX/XXXX to enroll in an free annual program that would theoretically protect my account. I did this, and have since not received any confirmation or further information. 

I established a permanent security freeze on my account with Equifax in XXXX, as I had seen suspect activity in my credit report. I have not lifted this freeze using the personalized pin number I was provided at that time. 

It seems to me completely irresponsible that Equifax has handled my information so poorly and allowed it to be stolen, particularly considering I have paid the mandatory {$5.00} for the security freeze on my account. 

I ask that the US government close and liquidate Equifax immediately. Equifax should no longer exist as a company. It has permanently jeopardized my identity and my future security, as it has done for half of all Americans, which is totally unacceptable under any circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I am filing this complaint against Experian. They have several credit inquires listed, negative accounts, and open accounts with balances that do n't belong to me. I have filed a police report in regards to this issue and I have filed complaints through each bureau. They have yet to remove these items from my report. I will file a lawsuit against them if these following items that are fraudulent are n't removed from my report immediately. 
Name of Account : Account Number : XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX  XXXX Unverified Account XXXX XXXX  XXXX Unverified Account XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX Account number unknown Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account XXXX XXXX XXXX XXXX XXXX XXXX Unverified Account

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 2017-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Funding XXXX XXXX XXXX XXXX # XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX. They are reporting a XXXX XXXX. debt that was originated in XXXX from my XXXX husband that I never knew anything about. I never signed for this loan and I knew nothing about it. They are harassing me to make a payment but XXXX sent me a letter stating they dismissed the debt and I filled a dispute through XXXX and provided them with a letter from XXXX stating that the loan was fraud and asking them to remove it from my credit but Midland has refused to move it. On XXXX/XXXX/XXXX XXXX sent me a notice of account closure of this fraudulent account partial account number XXXX but Midland XXXX still trying to collect on it. on XXXX XXXX XXXX I called midland funding, but they are still insisting I pay them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
OnXX/XX/XXXX, I tried a number of times to contact XXXX XXXX XXXX to initiate a security freeze both online and by phone. In all cases I was disconnected or the information online did not load. I currently have a membership with Experian for {$24.00} per month and have had it for several years. On one occasion a couple of years ago, I tried to cancel my membership with the same results ( the phone would disconnect ). At the same time, I had to change the credit card I had used to pay for their service so I decided just to not inform them however they automatically began to charge the membership to the new card. Rather than continuing to try to cancel membership, I just let it slide until now. On XX/XX/XXXX and onXX/XX/XXXX, I called multiple times to call the number they provided to cancel membership and except on one occasion, the call was just disconnected. The exception was that I received an automated response noting a high volume of calls and the put me on hold for 45 minutes. I finally hung up.

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 2017-09-14 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: PA

Complaint narrative:
I was automatically deferred for repayment by enrolling in a college that participates in the nation student loan clearing house. As a result of my deferment, the private lender, Discover Student Loans, removed a 0.5 % interest rate deduction I was receiving for on-time payments. I called the lender today ( XXXX/XXXX/XXXX ) ( after a secure message sent on their website on XXXX was not responded to XXXX to remove the deferment ( since I did n't want to be in deferment anyway XXXX and to return my account to repayment status, however, because of the way their system works, this repayment status wo n't take effect for another XXXX months in XXXX, therefore the XXXX % interest rate reduction wo n't be in effect until after that XXXX date. My interest is capitalized into the loan after deferment ends, so as a result of no action of my own ( since this was triggered by an automatic process XXXX, they removed a loan benefit from my account and will not restore it promptly, causing me financial loss as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-14 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: ECMC GROUP, INC.
State: MD

Complaint narrative:
I had been receiving calls for months from ECMC about bringing my student loan to current standings. Whenever I would call and attempt to work the issue out they would give me a link to a website to go to to electronically sign the papers with the last XXXX of my social. After multiple attempts at putting in my social it would lock me out. I would go through the process multiple times and explain to them the issue with no reason as to why I was n't able to log in and fix the problem. I continue to receive multiple calls a day from ECMC. Eventually I received paper work at my job for a wage garnishment. They have the wrong social security number and the wrong amount for my loan. When I called to tell them that they said y that I have to send them a copy of my social and it would take XXXX days for it to be updated in the system and in the mean time legal action would continue and I would keep receiving multiple calls daily. They could n't change it in the system or stop the harassment until I fixed their problem, their mistake. Absolutely unacceptable.

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 2017-09-14 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: Avant Credit Corporation
State: TX

Complaint narrative:
I had a loan with AVANT XXXX XXXX XXXX XXXX SUITE XXXX XXXX, IL XXXX ( XXXX ) XXXX In XXXX I had financial hardship and the loan went into default. Now I am trying to pay off debt and correct errors on my credit. Every month Avant is reporting a late payment instead of reporting the account as a collection/charge off. They are violating the law and causing me intentional harm. According to the law this should have charged after 120 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In response to the disgusting Equifax data breach, over the past two days ( XXXX XXXX and XXXX, 2017 ) I have been trying to institute fraud alerts and credit freezes on XXXX, Equifax, and XXXX. Although I have called and logged on multiple times at various hours, I have been unable to complete the requests - their systems just say " Unable to complete your request at this time. '' and the " customer service '' operators have referred me to various other phone numbers that just refer me back to the original numbers ( the classic run-around ). Any agency that collects such vital and confidential information on almost every US citizen should be required to develop and maintain robust security consumer response systems. Our data is now " out there '' forever - we ca n't change our Social Security numbers or birth dates so we face identity/credit theft forever, too. I hope that our governmental representatives will fully investigate this failure by Equifax ( including why it took almost 2 months to reveal the leak ) and require solutions that prevent such security breaches and provide consumers with ongoing protection not just for a year, but forever, no matter what the cost to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: MD

Complaint narrative:
On XXXX XXXX, XXXX and XXXX estimated between XXXX XXXX and XXXX XXXX ( approximately 3 times ) i spoke with Credit Collection SERvices and XXXX  regarding 2 reported debts on my credit reports that do not belong to me. I was told by CCS that they closed and removed the collection accounts from my report on XXXX XXXX, XXXX and was given back to XXXX to handle. After getting my reports again I noticed the accounts are still on my reports under CCS and XXXX is still pursuing the debts that do not belong to me. These debts were opened in my name without verifying if the information was mine or not. I asked for both CCS and XXXX to send in documentation to include my signature, and photo drivers license, social or anything else to validate those debts and I was not provided with such from either company. That is a violation of FCRA section 609. There are 2 accounts in my name that are not mine due to incarceration during those dates in question and both companies were provided with that infomratin and they still refuse to removed them from my reports or follow FCRA section 609 guidelines.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Hello, i am writing with respect to the recent Equifax hack. I am a victim of this hack but I do n't feel like I am receiving the help I need. Equifax has offered my only one year of credit monitoring but I need lifetime free real-time monitoring of my credit reports. 

This hacked data is never going to be removed from the internet so why should Equifax be able to get away with offering only one year of free credit monitoring. This awful situation is due to their negligence and they should at a minimum be required to offer me free lifetime real time monitoring of my credit reports. 

I hope there is something that can be done to compel Equifax to step up their game and get serious about helping the people they 've hurt with their negligence. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This letter is your formal notice to cease your unauthorized hard inquiries into my credit report and, a formal demand that you immediately contact the credit reporting agencies and credit bureaus, where your organization has made inquiries into my credit history, to have your illegal inquiries removed. Be advised that I will be checking my reports to ensure you have had the following unauthorized inquiries removed : To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer. 

If you are in possession of any document that you believe authorizes you or your organization to make inquires into my credit report, I respectfully request a copy of this document be sent to my address listed above so that I may verify its validity. Given the amount of identity theft, I 'm sure you 'll agree that verifying your information is in your best interest. 
1.XXXX XXXX- Inquiry from XX/XX/XXXX 2. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 3.XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 4.XXXX XXXX XXXX-Inquiry from XX/XX/XXXX 5. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 6. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 7. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 8. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 9. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 10.XXXX XXXX XXXX. XXXX- Inquiry from XX/XX/XXXX 11 XXXX- Inquiry from XX/XX/XXXX 12. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 13. XXXX XXXX XXXX -Inquiry from XX/XX/XXXX 14. XXXX XXXX- Inquiry from XX/XX/XXXX 15. XXXX XXXX- Inquiry from XX/XX/XXXX 16. XXXX XXXX- Inquiry from XX/XX/XXXX 17. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 18. XXXX XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 19. XXXX XXXX- Inquiry from XX/XX/XXXX 20. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 21. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 22. XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 23. XXXX XXXX- Inquiry from XX/XX/XXXX 24. XXXX XXXX- Inquiry from XX/XX/XXXX 25. XXXX XXXX- Inquiry from XX/XX/XXXX 26. XXXX- Inquiry from XX/XX/XXXX 27. XXXX XXXX- Inquiry from XX/XX/XXXX 28.XXXX XXXX XXXX XXXX- Inquiry from XX/XX/XXXX 29.XXXX XXXX- Inquiry from XX/XX/XXXX 30. XXXX XXXX- Inquiry from XX/XX/XXXX 31.XXXX- Inquiry from XX/XX/XXXX 32.XXXX- Inquiry from XX/XX/XXXX Finally, assuming you do not posses inquiry authorization, I request that, after removing your unauthorized inquires from my credit profiles, you also remove all of my personal information from your records and send me confirmation that you have complied with my requests. 

Sincerely, 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