vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Mutual Management Services LLC
State: FL

Complaint narrative:
MUTUAL MANAGEMENT SR ACCOUNT NUMBERs : XXXX XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX , XXXX XXXX, FL XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MUTUAL MANAGEMENT SR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MUTUAL MANAGEMENT SR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: KS

Complaint narrative:
contacted Aargon Agency after noticing a derogatory remark on my credit report. They said I owed a debt with XXXX XXXX XXXX in which I told them I had paid that and do have the receipt they asked me to fax it to them and I did not once but 4 times during this process I also contacted XXXX XXXX and asked them about this and they agreed that the debt had been paid. Aargon contacted me again and said that their investigation showed that I still owed the amount. I also contacted XXXX to have this removed from my credit report and after their investigation they also said that the aargon agency said this debt is owed.. Please help me get this figured out as it is effecting my credit. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Asset Management Outsourcing, Inc.
State: IN

Complaint narrative:
I would like this collection to be removed from my XXXX credit report was reported as collection debt without my knowledge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I was wanting to get money from the equality in my house. On a Sunday I received a call from Amerisave informing me that they were wanting to work with me. XXXX was the Amerisave representative. I followed their process and submitted the required documents, some several times saying that the underwriters were requiring the documentation. My house was appraised by XXXX, charged to my credit card. I paid {$450.00} for an appraisal that can only be used by Amerisave Mortgage Corp. I would like {$450.00} charges refunded

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
The debt is from XX/XX/XXXX-XX/XX/XXXX past statute and I had never received a bill until now. I owe XXXX which is current I agreed to send them XXXX a month to pay it then they sent me another bill for XXXX when I called the medical office they said they did n't know what it was for. then they found the record and said they charged it off original bill was XXXX from XX/XX/XXXX and XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 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: Aargon Agency, Inc.
State: FL

Complaint narrative:
I have had my my personal information stolen a few years back and accounts are in my name that I did authorize or was aware of of.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 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: Harris & Harris, Ltd.
State: CA

Complaint narrative:
our son ( XXXX. ) old incurred the debt and the collections company is attempting to collect from us his parents who had nothing to do whatsoever with said debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Harris & Harris, Ltd.
State: CT

Complaint narrative:
Harris & Harris keeps calling me asking me to verify the last XXXX of my social with NO further explanation. My credit is XXXX+. I am not delinquent on anything. I checked. This is crazy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Impersonated an attorney or official
Company: Columbia Collection Service, Inc.
State: OR

Complaint narrative:
When I called Columbia Collection Services, I asked to be transferred to their legal department to discuss the lawsuit they had served on me. They transferred me to XXXX XXXX. Later, while speaking to him, I asked him to transfer me to the legal department and he said, " I 'm it. '' I checked the Oregon State Bar 's member directory - no one of that name is licensed in Oregon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Accounts, LLC
State: NY

Complaint narrative:
This alleged debt was created and contracted with my employer I have no responsibility or obligation to pay this alleged debt, because this a workman s comp case. The responsible party is my employer XXXX medical claims. This company has being harassing me and still have not contact the responsible party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Centralized Business Solutions Company
State: OH

Complaint narrative:
I am being contacted at my place of employment after I have asked not to be. I offered a payment arrangement that was suitable to me and was laughed at and told " absolutely not ''. I was told that I needed to get a co singer to get a loan or sell something or take money from my XXXX to pay them. The representative kept using my occupation against me " you 're a supervisor then you should know this is irresponsible ''. After stating that I needed to get off the phone because I was at work I was told " you have to call me back today before XXXX, I know you get a break and a lunch ''. I replied that I had to run errands on my lunch and their reply was " they 're not more important than this matter '' an I said actually I have to pay bills on my lunch so yes they are, the reply I received was " I do n't care about your other bills ''. I was also told that there was an attorney present in their office numerous times which I 'm not sure what this had to do with.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CONTRACT CALLERS INC
State: IL

Complaint narrative:
XXXX XXXX XXXX, has resold the same debt that I 've issued complaints to CFPB previously regarding. XXXX is not being represented by CCI Contract Callers, Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. XXXX funding, nor CCI has ever provided verification of originating debt. No signature cards have been provided and CCI, XXXX funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate XXXX Funding and CCI for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. XXXX funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. XXXX needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.

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 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Phoenix Recovery Group
State: TX

Complaint narrative:
Creditor : XXXX XXXX XXXX XXXX XXXX XXXX is charging me the wrong amount. I have showed my deposit was XXXX and showed them my pet deposit was XXXX I sent them money order recipes XXXX. I also informed them I was not liable for bed bugs. It dose not show on my lease I am responsible. The lease dose not show a leasing agency signature. The XXXX apartments have been threw so may new owners that have been in so much dept. I have never been late on rent. That is why they are trying to get more money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Capital Accounts, LLC
State: GA

Complaint narrative:
I sent out a Creditors Verification Letter accordingly to the Fair Debt Collection Practice Act. The company was not able to verify the debt belongs to me after I sent out the letter I never got a response within the thirty day time frame ( 30 ). I am providing you a copy of my Creditors Validation Letter and the USPS Mailing information with the dates. You will be able to see that it was delivered on the XXXX XXXX, 2016 and I never heard from them since.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: MSW Capital, LLC
State: AZ

Complaint narrative:
I have a judgement that has been paid and satisfied since XXXX, 2014 and is still showing as unsatisfied. I have tried to contact the company and left a XXXX messages with no response.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: RI

Complaint narrative:
For about 2 months, I have received several hangups per day. If I call back, I get XXXX XXXX XXXX regarding an 8 year old Kay Jewelers account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by XXXX XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Capital Accounts, LLC
State: SC

Complaint narrative:
Collection information sent to the creditor showing that the debt was paid in full, they refuse to notify XXXX of the XXXX agencies even though it was removed and shows paid in full through XXXX. Spoke to XXXX different people, all with the last name of XXXX ... XXXX, XXXX XXXX XXXX XXXX. They said I have to pay them even though I have no debt with XXXX XXXX and they have to be paid and refused to contact XXXX XXXX to verify that the debt does not exist.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: MNE Services, Inc
State: IN

Complaint narrative:
Today I received an email from them saying they were pressing charges against me for check fraud for a defaulted loan I have with them. They told me I should have someone ready to get me out of jail. They also told me that they were going to talk to my superiors at my job and let them know what I have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Impersonated an attorney or official
Company: BWW Law Group, LLC
State: MD

Complaint narrative:
XXXX same as XXXX XXXX XXXX fraud documentation robo signing reied on by co conspirator, indecome globalserices, XXXX, BWW XXXX Collector forecloure mill .for deception and faulty evidence.debts that often could not be verified or may not be owed. Debt collectors BWW and conspirators named XXXX, BWW, XXXX, BANK XXXX use the court system for purposes of intimidation ( ASSIGNMENT FRAUD, FRAUD AND MULTIPLE VERSION COPY OF NOTES, FRAUD allonge, create mortgage notes using modern technology, fraud lost note affidavits none these document were ever certify as true and original copy by a practicing attorney in the foreclosure mill even with almost XXXX foreclosure mill attorney attached to this case. 
XXXX XXXXXXXX XXXX, XXXX, XXXX, XXXX XXXX knew these documents were fraud but continue o file even fraud note manufactured using the miracle modem technology, undated allonge signed by XXXX XXXX, of XXXX XXXX, and XXXX XXXX fraud stamp that on the note even ( several years she may longer work with residential funding, XXXX, home comming, that no longer cease to exist ), Introducing faulty or unsubstantiated evidence, Intimidating consumers with deceptive court filings THEY used sworn statements OF fraud affidavit, declarations of debts, assignments fraud prepared by XXXX prepared and robo signed from contract robo signer that claimed to be officers of multiple banking institutions attesting to details about consumer debts to support its lawsuits with no personal knowledge of defunct entities.when challenged their defense are baseless without merits.see similar actions of foreclosure XXXX law XXXX Firm Reaches Settlement with CFPB over Debt Collection Lawsuit XXXX XXXX, 2015 Under a settlement with the CFPB, the Georgia-based debt collection law firm will pay a {$3.00} XXXX fine and nsure the existence of a variety of non-monetary compliance policies and procedures. 
On XXXX XXXX, 2015, Judge XXXX XXXX denied the XXXX Firm 's Motion to Dismiss in the case Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX, XXXXXXXX XXXX, 2015 XXXX XXXX XXXX XXXX XXXX, 2015 ). In doing so, the district court concluded that the practice-of-law exclusion does not bar the CFPB 's CFPA claims. IN A SIMILAR CASE the CFPB has ordered XXXX of the XXXX law firm 's clients, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, to overhaul their debt collection practices and to refund millions to harmed consumers. The Bureau will continue working to ensure all players in the collections market treat consumers fairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Credit Counsel, Inc.
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from Credit Counsel Inc I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against Credit Counsel Inc in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

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 2015-07-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Consumer Portfolio Services, Inc.
State: VA

Complaint narrative:
The name of the company is Consumer Portfolio Services ( CPS ) and I had a car loan with them that opened on XX/XX/XXXX. Unfortunately a few months after the purchasing the vehicle it started requiring thousands of dollars of repairs and I could not afford to fix it and pay the monthly payment of XXXX dollars. At the time my payments started becoming late and CPS started calling my friends, family and work telling them that I owed money on a loan and trying to shame me into paying. Also they started adding on fees on top of other fees and so forth. 

Finally because I could n't handle the stress of the car loan and the harassment from their collections department I told them to take it. The harassment continued after that so I started to threaten legal action. I believe the person I spoke with was named XXXX XXXX. She told me they would stop calling and remove the information from my credit report. 

To my surprise I went to get a new car loan, after waiting six years because of the trauma of dealing with CPS, they were still reporting the account negatively XXXX my credit. I then put in a dispute with XXXX and XXXX, citing the previous promise from one of their employees, but the dispute was rejected by them. 

I just want this awful company out of my life, I spent six years avoiding credit and financing because of their horrible practices and still they are affecting my life. 

Unfortunately I do not have the documentation for the loan it was lost during a move from XXXX to XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Consumer Portfolio Services, Inc.
State: MD

Complaint narrative:
Hello Viewers, I 'd like to start by saying, i brought a toyota pruis 2010 at XXXX, put down XXXX dollars, and they made my payments XXXX a month or XXXX biweekly which is fairly affordable. But once i realized the many issues of this company etheir not receiving my payments for months at a time or late each time without notifying me, I became skeptical and highly frustrated. I always called them or answered my phone for them to sort things out and stay in good standard. But now almost 2 years later only being late 3 times, i still owe XXXX, XXXX. How in the world is this possible when I am told often to recheck my balance on line to see accuracy ... or wait for the statement..all in which XXXX say I owe XXXX XXXX still. I feel ripped off and stuck in a worst runt than before getting this car. I feel I am stuck owing this company for many more years and nothing is being done about them ripping people off. I pray to get out of this Unreasonable and unfair loan right away. So DO NOT TRUST the representatives that call you for Consumer Profolio Services because they do not hold to their word. They make verbal agreements or promises but when you check your remaining balance on your loan, it shows way more than you actually owe each time. They also do not communicate well with XXXX another about your personally information or changes in your loan. They will take your funds before and after they are due without permission. Causes your account to overdraft or double pay. They will continuously charge you even if they have said they waived late fees, and claim they put your payment 's in the back of your loan even when you caught up with your car payments. They will call and harass you all through out the day even when you make a payment agreement and stick to them. They find ways of receiving your payment 's late or say they are unable to take your funds due to the bank not releasing it, which I found each time to be a lie. These faulty errors make your loan extremely hard to decrease or payoff let alone go away at all. It is not worth anyones hassel to deal with this unprofessional and very rude company. Take your services safely elsewhere. Itll save you the stress in your life and not having to owe a loan 50 % more than what you actually owe. I truly hope this was helpful to someone reading about Consumer Porfolio Services.

Company response to consumer: Closed with explanation