vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Richard Sokoloff, Attorney At Law
State: NY

Complaint narrative:
on XXXX/XXXX/15 Richard Sokoloff Attorney At Law sent a letter at my home to pay him {$6700.00} for a hospital bill for some individual i never heard of, i called his office and explained it a mistaken ID and i do n't have any body by this name in my household, a month later i received another letter i called again and left explanation on his voicemail.now today XXXX/XXXX/15 someone dropped a court summons for me to appear in court, i called his office today and his office want to know my birth date and social security number which i do n't feel comfortable giving to a stranger, so his office person refused to talk to me. now i have to go to court to prove i am not the person they are looking for, this harassment is causing me anxiety from last 4 months

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Paul Michael Marketing Service
State: NC

Complaint narrative:
I sent a debt validation to this collection agency because I do not recognize this debt. They ignored my written request for validation and continue to report this as an outstanding collection on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Millennium Credit Consultants Inc.
State: IL

Complaint narrative:
Hi this company has XXXX accounts on my File, it was from Financial fraud and Identity theft, It was removed several years ago with the help of CFPB and all the credit reporting agencies. and now both accounts has been Resubmitted from the same company. I want this removed Back off my report I had all read proved and won this issue. Hard core proof. I also was living out of the country full time at the time of the Finical and Identity theft. I want it removed and please have them to stop putting it back on after it was taken off Account # 1 Millennium Credit {$1000.00} Fraud Account # 2 Millennium Credit {$1000.00} Fraud

Company response to consumer: Untimely response
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CICA Collection Agency, Inc.
State: MD

Complaint narrative:
A call about a debt notice was received by an elderly family member, who was harassed in order to get my mail address and phone number. I called the debt collection agency to understand what was the debt about, given that I have n't live in XXXX XXXX since XXXX and sporadically since XXXX. It was debt that I did not recognize. As a federal employee, I have multiple background checks and have all payments up-to date, and that debt have n't appear in my background check. I stated that I wanted evidence of that debt. They ( XXXX collection ) sent me a letter with no evidence which I replied with a certified letter that I do n't recognize the debt and to stopped the contact. Every call I got ( with threat and harassment of court ) is from a different person even the letter signature and the person that sign the certified letter are not the same. However, this agency harassed with calls my elderly family member even more and they sent a new letter, from legal area, which was very strange since it has contradicting language and no evidence. I contacted my XXXX and they put an alert in my credit as they did not find this normal conduct. As a resolution, I do not recognize this debt, stop harassment and any collection toward myself and my family. I understand this is a case of identity theft ( as XXXX XXXX suggested ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kenneth, Eisen & Associates, LTD.
State: CO

Complaint narrative:
I 've called & tried to request an invoice and XXXX XXXX ( XXXX XXXX XXXX ) refuses to send me a statement of proof of why I owe & what it is for. They said they ca n't because it has been to long then they need to REMOVED my credit report. This is from 2011 when I lived in XXXX. I do n't remember owing anything when I moved back to XXXX. I 've disputed this & it is closed & open ( collections ) now on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Recovery Systems, Inc.
State: IN

Complaint narrative:
Capital Recovery Systems at Address : XXXX, OH XXXX Phone : ( XXXX ) XXXX has repeatedly tried to collect debt against me that is not mine. They have purchased parking tickets for a vehicle I have never owned. I have a similar name and live in the same town as the vehicle ( XXXX ). XX/XX/XXXX we cleared this up with them and they released us from this claim. Now they are sending letters to my parents home in XXXX that I have not lived in for 20 years. This is for the same debt that again is not ours. It is stressful on my spouse to have debt collections after us for debt that is not ours. Now they are interfering with the rest of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: YKS Acceptance, Inc.
State: CO

Complaint narrative:
I bought a vehicle from Herbies auto in XXXX Colorado back in XXXX of XXXX and had to return it in XXXX of XXXX do to financial problems I later learned that they have been sued for hidden finance fees and I 'm having my wages garnished this was the XXXX vehicle that I had purchased from them and have recommended people to them I really do n't think that the should be able to garnish my wages if they have been sued in the time frame of which I purchased my vehicle from them please if you can help me that would be greatly appreciated

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Red River Collection Company, Inc.
State: CO

Complaint narrative:
I began receiving letters from Red River Collection Company , Inc. on XXXX XXXX, 2015 stating that I owe debt to them from " Stop XXXX Park ''. I wrote Red River Collection Company , Inc. a letter stating that I do not owe this debt. Red River Collection Company continues to send letters, has called my cell phone and now my place of employment. They state that I owe them {$110.00} plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: United Credit and Collections Inc.
State: TX

Complaint narrative:
I am trying to get united credit and collection to validate this account belongs to me. I have no contract with this creditor and have not recieved paper work validating this is my accounts. I have no knowledge of this inaccurate account reporting on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Metro Republic Commercial Service, Inc.
State: CA

Complaint narrative:
This is for a medical emergency and follow up at XXXX XXXX. Veterans Administration has paid with me owing only about {$1800.00} (? ). I like to receive payment history from VA and XXXX XXXX. Where does {$8300.00} come from? Did VA pay XXXX XXXX said amount?

Company response to consumer: Untimely response
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: TX

Complaint narrative:
I have lived at the same address in XXXX since XXXX XXXX. Without my knowledge, XXXX Bank sent a bank card to a post office box XXXX on or about XXXX XXXX. The bank card was attached to my bank accounts. At the time I had roughly {$4500.00} in my savings and checking combined. The total amount in those accounts remained the same for over XXXX-6 years. In less than 6 weeks or so, both my checking and my savings accounts were drained and XXXX Bank had allowed and additonal {$4000.00} to in reserve to be stolen as well. Additionally, the address on my accounts was changed therefore, I was not aware that there was unauthorized activity on my accounts until I received a phone call in late XXXX XXXX from XXXX Bank requesting that I make arrangements to pay on the over drafted accounts. I immediately phone XXXX Bank Customer Service to file a fraud report. I was told that I could not file a fraud complaint and that only the person that used the card could do so. After numerous phone calls and written requests that I be allowed to file a complaint, I finally was directed to a district manager who again refused to allow me to file a fraud complaint. XXXX Bank further refused to replace my savings and checking account. As a result of their error, my credit rating has been lowered from XXXX to XXXX. I am totally disappointed and desperately need help. Not only did XXXX Bank allow my savings to be drained, they are ruining my hard earned credit rating due to the fact that they did not protect my accounts nor did they notify me so that I my protect my self. I have received numerous harrassing phone calls on my cell phone and home phone usually between the hours of XXXX XXXX. I am a XXXX XXXX XXXX retired XXXX XXXX veteran, I am devastated by this company and its dismissal of attempting to right this wrong. NOTE : I filed a dispute with XXXX yet this matter remains unresolved. Also contacted the XXXX police department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: GMA Investments, LLC
State: CA

Complaint narrative:
I had did a payday loan over a year ago and a company called summit recievables a collection agency keeps calling me threatening me to take me to jail because i wrote a faule check they will proccess if i dont pay them. I never wrote a check and was over drawn and account was closed. 

Summit Recievables Address : XXXX XXXX XXXX , XXXX, NV XXXX Phone : ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Concord Resolution Inc (Closed)
State: FL

Complaint narrative:
I applied for and received a {$500.00} payday loan in XX/XX/XXXX. Although it was for {$500.00}, payment was received from XXXX different lenders for {$250.00} each. Payments were combined into XXXX loan by the lenders and paid in full in XX/XX/XXXX. I started receiving automated phone calls from XXXX stating that I needed to call regarding an important matter in XX/XX/XXXX. I called and spoke to a gentleman at Concord Resolution who claimed that the debt was not paid and that I now owed over {$800.00}, but that he would " cut me a deal and accept {$640.00}. '' I informed him those loans were paid years ago and to stop calling me. He said they would continue calling until I paid them and that if not, they would garnish my wages and sue me. I told him to go ahead and get his lawyers and I 'll get mine - his final words were " see you in court. " I did not hear from them for several months after this incident until last week. The same recorded calls are now being made to my cell phone XXXX times per day and to my WORK phone number, which is internal and unlisted, calling as many as XXXX times per day, even XXXX times in the same minute. I have no idea how they got this number. This is harassment and is absolutely unacceptable. I do not owe any money to these people and if I did, why would it not be reported on my credit? These calls need to stop and someone needs to address their aggressive, threatening collection tactics.

Company response to consumer: Untimely response
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: CA

Complaint narrative:
Hi, I 've been getting harassing calls almost daily for months ... 

The most recent ones are from a company they call " Concord Resolution '' in the voice mails and it 's a recorded robo voice when they leave a voice mail. 

They are very rude and threaten to pursue lawsuits for a supposed payday loan which I 've never made, straight up extortion. 

I 've asked them to NOT call me anymore that my number is registered on the do not call list via XXXX and telling them via phone to add me to their donotcall list because of all of these ridiculous calls. 

They call at all hours of the day. Today they called at XXXX and again about an hour ago. 

I receive calls like this daily. 

They have various phone numbers each time and I am tired of being threatened by people who I do not owe and should n't have my phone number in the first place. 

These are a couple numbers used often. 

XXXX. XXXX. XXXX. XXXX so on. 

Number 1 is the one that 's been calling multiple times within the last few days.

Company response to consumer: Untimely response
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Montgomery & Meyers P.A. Corporation
State: CA

Complaint narrative:
XXXX Banks from the office of Montgomery & Meyers contacted me this morning after yesterday she verbally abused my wife on her cell phone. I asked he again to please send me do documentation of what she was claiming and she told me that i had it and was lying. I asked her not to talk to me that way and to stop harnessing my wife, She told me that I needed to pay the debt. I again told her that I needed her to send me some sort of documentations which I had requested four times to be emailed to me. She refused. I told her that I have never been in court on this issue ( she said I was lying ) and that I have never been served with any paperwork. She then said " you know what I will just see you in court '' A threat and hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PLANET HOME LENDING, LLC
State: OR

Complaint narrative:
I attempted to refinance my home. Each time I spoke with them it was a new document they needed. I was told each time they needed nothing new. This went on for over 4 months. I even paid XXXX for an estimate to be completed on my home for the refinance out of pocket. I was then told the rate was no longer good, and I 'd have to wait.

Company response to consumer: Closed
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Olympic Credit Service Inc.
State: WA

Complaint narrative:
This is a company that seems to be meeting all of the above criteria but I marked sued me without properly notifying me of a lawsuit because that seems to be where the trouble with them began. 13 years ago ( approximately ) this company said I owed them money. I began making payments and then asked for verification of the debt. They did not respond so I quit paying and again asked for verification. They then obtained a judgment against me and I only found out later because it showed up on my credit report. They never notified me of a court date. I attempted for 10 years to fight this on my report and the requests from the credit agencies went unanswered. The judgment was obtained in XX/XX/XXXX and expired 10 years later, making it XXXX. It came off my credit report XX/XX/XXXX. During that time I never heard anything from them. I then received a notification that this company has requested a court hearing for XX/XX/XXXX so they can obtain information from XXXX! I looked this information up and the Washington Courts shows they have been to court in XX/XX/XXXX as well for this same thing, having again NEVER notified me! At this point I am figuring they are attempting to seize property or wages for an original debt that was in violation of the FDCTA, then a judgment which was done without legally notifying me, and now they are trying to gain information on an expired ( supposed ) judgment which expired over a year ago and was not re-instated within their legal 90 period! This has been one illegal action after another with the company never responding to my original verification request. They are now and have been apparently since XX/XX/XXXX being sneaky and at this point harassing me by requesting information on an expired judgment. Their court request is in XXXX County, which is 2.5 hours away. This means in order for me to fight this I am either going to have to respond in writing or take an entire day to make the trip out there to fight this in court. All of this for again, an expired illegally obtained judgment which they should not be able to request any information about me. I now have to miss work, spend time and money on the commute, and spend time fighting this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: NC

Complaint narrative:
Phone messages received about me being a person of interest in a past debt that I owed. I have no past debts and in looking up the phone number that called me, I see the company is well known in scamming people for so-called debt collection.

Company response to consumer: Untimely response
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Riverwalk Financial Corporation
State: TX

Complaint narrative:
Deville Asst Management this company did not send me a bill or a letter they failed to notify me. The only way i found out about this debt is thru my credit report. And the information they have on XXXX in inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
I have a bill from XXXX and XXXX specialists XXXX started at {$800.00} I paid payments on time every month. The balance now is {$140.00}. I received a letter from hillcrest credit agency on XX/XX/XXXX17 stating that my account was turned over to them for XXXX. I have until XX/XX/XXXX17 to pay all of the amount or they will turn this over to the credit bureau thus harming my credit. I called the XXXX specialists and spoke with a manager that told me that the billing manager was out her name is XXXX. This manager told me that XXXX had sent not only my account but other customers bills as well on accident and that my credit would not be harmed due to their error. I spoke with hillcrest credit agency they did not confirm this information and stated that it would be turned in as of XX/XX/XXXX17. 

XXXX specialists XXXX XXXX and XXXX hillcrest credit agency XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: National Financial LLC
State: DE

Complaint narrative:
I have been borrowing from Loan Til Payday and I can not seem to ever pay anything more than interest when they are taking {$280.00} out of my check every other week for the past 3 or 4 pays on a {$1000.00} dollar loan and I can not keep doing this. The interest is way to high and just with that along I ca n't put anything towards the principle. I spoke with someone about it and they told me I am getting ripped off and to contact you because XXXX dollars every other week just for interest is insane.I am a single mom of XXXX and needed the money to move into a better house after being almost homeless. Now I ca n't seem to get back on my feet with this high interest alone. I am getting set back further and further by the XXXX being taking out of my account just for interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Billco, Inc
State: TX

Complaint narrative:
A company named XXXX has accused me of owing {$210.00} for a product I return within 60 days, which a customer service representative told me I could if I was not 100 % satisfied. They said I ordered it on XX/XX/2016 and I returned it on XX/XX/2016. However, they threatened to report it to the credit bureaus. 























































XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief