vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Colony Brands, Inc.
State: FL

Complaint narrative:
7TH AVE ACCOUNT NUMBERs : XXXX XX/XX/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 7TH AVE 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 : 7TH AVE 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 SS # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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: FINEX Group LLC
State: CA

Complaint narrative:
I bought a car, for parts, from XXXX XXXX. I paid {$200.00} for it and she gave me the title which had not been transferred into her name. She wrecked the car before registering it. She had a friend take the car to work on it. Said friend went to jail. The car was on XXXX XXXX in XXXX. When I went to get the car, I was told it was n't the car I had bought. When the gentleman let me look at the car, I could tell he had put a different Vin. # on top of the original one. He said he had no keys to open the door. He and his friend got aggressive towards me and told me to leave. I went to the city of XXXX with pictures of the car in his yard. They said XXXX was in the county jurisdiction and would not go with me to try to get the car. The Shefiffs department would not go either. I never had the car in my possession. The car was burnt up and towed to XXXX & XXXX XXXX in XXXX. They put a lien against the car and billed me for {$2000.00}. I explained that the car was never in my possession therefore I was not liable for bill. They then sent the bill to a collection agency, who in turn billed me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Summit Financial Corp.
State: NY

Complaint narrative:
I financed a car in 2011 a brand new XXXX and it was under warranty the car then had a factory issue and was returned to XXXX. The finance company Summit Financial was to be refunded for the remaining loan amount once the car was sold at the auction. Now 6 years later the finance company is reporting negatively to my credit file on Friday XX/XX/XXXX the balance was XXXX when I spoke with them and tried to come to an agreement or resolution the where very rude and seemed to care less even though they are not reporting correctly. As soon as we hung up the phone they turned around and changed the balance to XXXX and reported to transunion that I owed this crazy amount that is not true or legal. I called them back and asked them to correct it but they said they do not care and they are illegally reporting inaccurate information

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ARC Management Group, LLC
State: LA

Complaint narrative:
On XXXX ARC Management Group LLC reported to XXXX I had XXXX account in collections for {$1900.00} dollars, I have no knowledge of said account and I do not owe ARC Management Group LLC anything. This erroneous collection was placed on my credit report without any prior communication ( verbal or written ) and without validation of debt. I had no prior knowledge of this account and I was never informed of this collection account nor have I ever received any correspondence from ARC Management Group LLC or any other company regarding this account. I never received any information about this account nor was I given the opportunity to acknowledge or dispute the validity of this account. The practices employed by ARC Management Group LLC are a clear violation of the Fair Debt Collections Act. I am requesting that ARC Management Group LLC removes this collection account from each XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-02 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FINEX Group LLC
State: CA

Complaint narrative:
I owned a XXXX XXXX XXXX. On the XXXX of XXXX XXXX I was stopped for driving with a suspended license. The XXXX had my car towed to XXXX XXXX XXXX XXXX and placed a 30 day hold. The amount was going to be very high to take out so I signed the title to the towing company so that they could lien sale it. After that, I never heard from the company ever again. No notice or letters giving me notice that I owed this amount. Then on the XXXX of XXXX XXXX I get this letter from the collection agency FINEX GROUP LLC Collection Services located on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX. I informed them that I disputed this debt. XXXX XXXX XXXX neglected to give me proper notice that this was outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 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: Coulter Dove & Harris, PC
State: VA

Complaint narrative:
While in XXXX taking care of my mom and sister, The Luftus firm filled an unlawful retainer in XXXX XXXX XXXX General District court ( note, this was filled XX/XX/XXXX and we vacated the premises the weekend before XXXX ). I called and explained my situation to the court who rescheduled but I was not notified. As a result, I was not there and the XXXX group won by default. 

Later, they filled a garnishment of my wages. I had informed them earlier that I did not owe the money I was being taken to court for but received no response. Proof was provided to the XXXX group as well as the XXXX Districts courts garnishment hearing. As a result, I won and had the garnishment lifted. 

I have since applied several times to have the original judgement vacated and a new hearing but was denied each time with no explanation. 

I have proved I do not owe this money but the XXXX ignores the facts and hides behind the incorrect judgement to take money not belonging to them with the General District court in XXXX, VA not willing to correct this injustice and look at the facts. 

Thank you, XXXX, cc. CFPB, XXXX, The XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Quality Recovery Services, Inc.
State: IL

Complaint narrative:
This debt is from a residence of 4 years ago, we were never sent a letter of intent to collect a debt. I did not receive a notice of right to dispute, nor did I receive any phone calls to collect a debt from XXXX XXXX, as I did n't realize I was being charged. Upon review of my credit report, the balance was sent to collections. I called the collection company to offer a settlement of {$500.00} and she laughed at me over the phone, lied to me about her title at the company, and then was very offensive, talking to me like a child. She offered me a settlement amount that was over my means, telling me that her supervisor approved that amount. When I asked to speak to a different supervisor, she stated " I AM THE SUPERVISOR LADY '', and she was very rude and offensive. I then spoke to another " supervisor '' who stated she was the supervisor, and unfortunately they could n't help me lower the settlement amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Concord Resolution Inc (Closed)
State: MT

Complaint narrative:
Constant harassing phone calls from XXXX XXXX from concord resolutions stating I have XXXX hours to pay or will be served papers and arrested. 

Concord resolutionXXXX XXXX XXXX XXXX NY XXXX

Company response to consumer: Untimely response
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Velocity Portfolio Group
State: GA

Complaint narrative:
I had a debt XXXX from 2011 - which was Purchased by XXXX XXXX. XXXX XXXX XXXX did not own this debt but filed a Civil Suit in Magistrate Court of XXXX County. Once made aware of the outstanding debt I contacted XXXX XXXX and settled all debt. I mailed proof of this to Magistrate Court and the Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. Following that I received a summons to appear for a trial on this case XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Pan Am Collections, Inc.
State: IL

Complaint narrative:
The debt was not paid but there is no actual debt. XXXX and XXXX both removed it from my credit report a few weeks after it was added because they said it was not a valid debt. The vehicle was not financed it did not have any loan it was through a car lot that my uncle worked at a XXXX and the car was a piece of junk and given them back to them. They continue to call me daily and tell me that they do n't care if I do n't feel like I owe and they do n't care if it was removed from my credit report but it is still a debt I owe

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 non-monetary relief
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PlusFour, Inc
State: NV

Complaint narrative:
File chapter XXXX 0n XX/XX/2016. At the time this debt was created my dental insurance paid more than absolute dental claimed I owe. 
I claimed this debt on my chapter XXXX bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Concord Resolution Inc (Closed)
State: IL

Complaint narrative:
Concord Resolutions claims I owe on a payday loan from 2012. I never in my life took out a payday loan and they are calling my cell, which I blocked and signed up for the do not call registry. Also, now they are contacting place of business. They do not stop, and somehow know my last XXXX of my SS #, my address, the last XXXX of my old bank account #, and went as far as saying my sisters name. They have never sent me anything in the mail regarding a debt even when I asked them to. I also told them to email me, which they have my email address somehow as well, but have never emailed me a thing.

Company response to consumer: Untimely response
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Walwick, Inc
State: CA

Complaint narrative:
I received the attached letter and believe it violates the following -Governed by 15 U.S.C. 1692g ( a ) 15 U.S.C. 1692g ( a ) sets forth the required contents of a typical collection, or dunning, letter : ( a ) Notice of debt ; contents ( 1 ) The amount of the debt ; MCA indicates this is multiple accounts and list only one. 
( 2 ) The name of the creditor to whom the debt is owed ; NOT PROVIDED ( 3 ) A statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; NOT PROVIDED ( 5 ) A statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. NOT PROVIDEDAnd leads me to believe it also violates the following -15 U.S.C. 1692e : " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. " 15 U.S.C. 1692e ( 2 ) ( A ) : A debt collector may not falsely represent " the character, amount, or legal status of any debt '' 15 U.S.C. 1692e ( 10 ) : A debt collector may not use " any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. " 15 U.S.C. 1692f specifically provides that a debt collector may not use unfair or unconscionable means to collect or attempt to collect any debt, including, without limitation, collecting " any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law. ''

Company response to consumer: Untimely response
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Baxter Bailey & Associates
State: CA

Complaint narrative:
this person attempted to collect an unpaid bill from XXXX of our vendors. during conversations, we made arrangements with the vendor directly. they accepted our arrangement and now we are being threatened and harassed everyday by this person. he is also calling our other vendors and harassing them. we have explained to him we have settled this with our vendor and they still are harassing us and our other vendors which is now disrupting our business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Danco Financial Services, LLC
State: GA

Complaint narrative:
Creditor : Danco Financial ( XXXX ) Law Office : XXXX XXXX XXXX ( XXXX ) The creditor, along with, their attorney illegally obtained a judgment against me and displayed my private debt information to a XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, GA XXXX. The judgment was obtained in 2014 in XXXX County. I have not lived at the above address in almost 8 to 10 years. This XXXX XXXX I have no knowledge of and none related to this individual. Whomever their process server is was able to get this XXXX XXXX to accept the court summons on my behalf. in the year of 2014 my address was in XXXX, GA and XXXX XXXX, GA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Hillcrest Davidson & Associates
State: OH

Complaint narrative:
I was sick because of a XXXX of which now i have XXXX XXXX from the hospital directly, XXXX, and a XXXX because of my XXXX they advised me if i had any issues that they could be resolved of which when i was very very sick that they had taken advantage of me and my mental staite and condition of which i advised the installer of the home security system of and the company assured me of any issue that they could be worked out however they was not they Hillcrest Davidson and Associates sent me a letter threatening to take me to court which was illegal they didnt they just ruined my credit and charged me for 5 years of an alarms system because i missed some payments due to sickness in the amount of XXXX i call the company of which the security system came from they apologized to me for this happening to me but they said that they could do nothing for me, this company has left their home alarm service in my home of which they refuse to pickup and i am being charged for it and 5 years of service this is extortion for such a system and a 5 year contract at first i was OK but now after experiencing their customer service and that the collection agency is arrogant against me i just want this all to end and my credit returned and restored before them. under the Federal trade comission this is a XXXX fine that they should be fined for sending me such paperwork but i want the federal trade comission to contact the credit bureaus for what they said under my multiple disputes to have this removed and then contact the debt collector and fine them so that they cant lie about what was sent and communicated to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Bureau, Inc.
State: SC

Complaint narrative:
Merchants credit bureau XXXX Georgia is re-aging an account.changing the dofd to several years later..this account has been in collections over 7 years..after contacting them directly they denied..each cra has different dates for removal..experian has it listed to be removed XX/XX/XXXX and XXXX shows they reported dofd XX/XX/XXXX..collection agency stated it will remain on there till XX/XX/XXXX.. This from a fire utility company who in XX/XX/XXXX quit billing consumers themselves and starting in XXXX fire fees began being collected with county tax.also after contacting the CA by balance changed by XXXX on my credit reports probably because they had to send some proof of the account and the one they provided conveniently has no year showing but a balance XXXX less than they had been reporting.I explained that my account was sent to collections in XX/XX/XXXX and they claimed it was a different account but impossible ..I 've only lived in one place in the district the entire period..attached will be my XXXX showing the account being older than reported and XXXX being as if a newer account also a paid tax bill from XX/XX/XXXX showing fire was included in taxes beginning that year. I can furnish more if needed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Concord Resolution Inc (Closed)
State: CA

Complaint narrative:
I keep getting the same calls saying I owe XXXX different debt, when I ask for information on them they wo n't give me any infor unless I give verify my social security number. I tell them I wo n't but just give me the name of the debt I owe & they say unless I give them my SS # they ca n't release that information. I then asked for the name, address & Company info & they refused to give it to me. The company name that comes up is Concord Resolutions. They tried this a while back but I told them I was going to report them & they quit now here they go again.

Company response to consumer: Untimely response
Consumer complaint received 2016-07-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Sherloq Group, Inc
State: PA

Complaint narrative:
XXXX, XXXX canceled my appt. I exclaimed the termination and they had said not to worry, since I spoke with billing each time " no worries '' w/apologizes, now continues bills from collection agency. I do not owe, they were going to make it the one day retro active..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Samuel Whitaker & Associates LLC
State: TX

Complaint narrative:
On XXXX XXXX received a call from a XXXX XXXX stating I had 72hrs to Connact her at Samuel Whittaker and associates at XXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX. Her telephone number XXXX. She stated if I did not call within these 72hrs than I would have a civil suit filed against me and XXXX in XXXX and XXXX county and I have been warned and have a great day!

Company response to consumer: Untimely response
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: The CFM Group
State: AZ

Complaint narrative:
Got a call from Consumer First Management Group and spoke with XXXX XXXX at XXXX. He threatened to sue me and garnish wages and get a judgment against me for a debt that was from XXXX, that I repeatedly told him was not mine. He has been calling multiple times and contacted my wifes place of employment and gave her all the information on the account even though they stated that I was the only one on the account and that the bank had written off the debt in XXXX. I asked multiple times how I could resolve this legally and why they were harassing me if the company had written it off and requested that they send me whatever documentation that they had and information on how to dispute the account and the debt. He told me that the only way to get out of this was to pay it all. The disturbing part is that they had all of my personal information and when I asked what it would take to resolve he told me that we had good jobs and made good money so he wanted all of the XXXX and that it would be XXXX after they took me to court with court costs. I looked up this company on XXXX and it looks like they are a scam. Can you help me validate this company or put them out of business if they are scamming.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Lou Spivack, P.C.
State: NV

Complaint narrative:
he threatened that a court date had already been set for my case for XX/XX/XXXX on first contact which was on XX/XX/XXXX. Stated i needed to know exact date as I had a new insurance provider at a certain time during this. Asked him to not contact me during work hours and he replied with oh good your working hinting at wage garnishment. He stated i dont understand the laws for fair debit collection.

Company response to consumer: Untimely response