vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
A letter was sent to Midland Credit Management in XXXX 2014, asking for validation of a debt, however they never validated the debt but what they did send me back was an offer for a settlement amount dated XXXX 2014. I continued to send them letters stating they have n't validated the debt with no response however they continue to report the account on my credit report. As recent as today, I have spoken with the following representatives XXXX XXXX, I was transferred to XXXX XXXX XXXX # XXXX in the Consumer Support Services Department not before he told me that there is a limited amount of time that I can dispute the account. I advised him that this is not correct. I requested to speak with someone in management where I was transferred to XXXX XXXX, Employee # XXXX, who stated he was in the escalation department. I advised him of my concerns which he was in no position to assist. I asked him to speak with someone in the United States as all previous people I spoke with were in XXXX. I was transferred to XXXX XXXX, employee # XXXX who after I explained to him the issues and violations he stated I could only request validation 30 days after receiving their initial letter. I advised him that this not the case and against the law as a consumer can request validation at any point. He stated that a supervisor that XXXX XXXX was not available. I disconnected the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-02 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC.
State: LA

Complaint narrative:
Midland Funding LLC by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX, XXXX, LA XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: AL

Complaint narrative:
I signed up for an American Express Delta card that would issue me XXXX mioles if I charged more that {$1000.00} in the first three months. I more than exceeded that and have wrote them three times to get my miles. I have the terms and conditions which do not specify if you have ever had the card before. I have never got a response bsck from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
After XXXX bounced payment in early XXXX XXXX, American Express did not notify me that it was doing an audit of my account. Then, without notice of a delinquent payment or a review pending, it reduced my limit on XXXX/XXXX/XXXX by {$1500.00}. I am not aware of any contractual provision that allows them to do that. I suspect a possible breach of contract, unconscionability and breach of duty of good faith and fair dealing for this unilateral action. 

I then called the following day ( today ) to restore my credit. They said over the phone ( XXXX # XXXX ) that if I paid {$2900.00}, that my limit would be automatically restored within 30 business days. I accepted their offer and made the payment to try to restore my credit. I then found out that they would not be able to do so by the time the reduction would be reported to the credit bureau. I asked her to escalate or accelerate that process and she said that there was no such process and that no such process exists. I then spoke with her supervisor who affirmed the same. This turned out to be false and misleading statement from a credit agency as I later found out that escalation is in fact possible. 

I then asked the credit bureau reporting division of American Express what I could do and they said that whatever was current as of XXXX XXXX, XXXX, that that would be what is reported to the agency. So, to try to reduce the damage to my account, I paid the entire balance and closed the account. I then called to confirm that this is what would be reported to the bureau ( rather than the reduction in limit ) and they informed me that the newly assessed limit would be reported, together with the closure. I told them that I was promised that the limit would be increased if I made the payment and they sent me back to the credit lending department. That department agreed to escalate the matter and adhere to their agreement to increase my credit limit if and only if I re-opened my account. But that was not a term that I had agreed to. In fact, there was no mention of keeping the account open when the offer to accept payment and re-increase my limit was made. They then offered to escalate ( previously denied ) if and only if I re-opened the account. That is to say, they would only honor their promise if I agreed to re-apply for the same exact credit card and submit to a credit check. This appears to me to be a breach of a duty of good faith a fair dealing, breach of an oral agreement, and misrepresentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: TRANSWORLD SYSTEMS INC
State: LA

Complaint narrative:
I HAVE TRIED TO CONTACT THE COMPANY FOR INFORMATION AND BALANCE, IT IS NOW WITH AN ATTORNEY COLLECTION AGENCY AND WE HAVE SENT XXXX CERTIFIED LETTERS REQUESTING THE SAME AND WE CONTINUE TO KEEP GETTING THREATENED WITH A JUDGEMENT AND WE HAVE SHOWED UP IN COURT SEVERAL TIMES AND THEY ONCE HAVE N'T SHOWN, WE CONTINUE TO CALL AND EMAIL WITH NO RESPONSE EXCEPT FOR A SEE YOU IN COURT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I have sent them request for more information regarding the debt they claim I owe them but they have ignored me letters. I have finally sent them a certified letter ( XXXX ) and waiting. I have disputed it with the credit bureaus but they did not remove this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NH

Complaint narrative:
XXXX, CitiMortgage refused to provide a payoff of the mortgage on my home. Their first mortgage was extinguished by a foreclosure sale on XXXX XXXX, XXXX executed by another creditor holding a lien. A Foreclosure Deed was recorded on that date. The title company and buyer completing the sale could not obtain a payoff from Citi. They placed an estimated amount believed to be owed to Citi with a New Hampshire XXXX Court. I was not a party to the sale or the resulting lawsuit that was filed to compel Citi to provide a payoff and release. The Court issued a decision on XXXX XXXX, XXXX ordering the bank to release their mortgage " paid in full '' effective on the sale date of XXXX XXXX, XXXX. Citi was admonished by the Court for not submitting their payoff when it was requested by a licensed title agent. 
Citi released the first mortgage on XXXX XXXX, XXXX. In the ten months between the legal sale of the property and Citi 's release of the mortgage the bank charged me for property insurance and municipal property taxes. I did not own on the property after XXXX XXXX, XXXX. Citi 's mortgage was extinguished by a statutorily prescribed process before these charges were applied. 
Citi charged me {$3500.00} for an annual property insurance policy covering XXXX XXXX, XXXX through XXXX XXXX, XXXX. Citi charged me {$4900.00} for municipal property taxes on XXXX XXXX, XXXX. This was a half year after the sale and after the bank was ordered to accept their payoff and release the property. 
Citi was paid {$100000.00}. This includes the cost associated with these taxes and insurance and the release was recorded with the specific language " paid in full. '' However, in XXXX of XXXX Citi reported to all credit reporting agencies a " charge off '' of {$4900.00}. The bank claims their " investor '' was underpaid? This is my fault? I have this on the credit reports for 10 years? 
I should not be penalized by Citi 's intransigence. This tax bill, insurance premium and investor shortage would not have occurred if CitiMortgage had promptly accepted payment. The sale paid off my mortgage and Citi 's incompetence cost me an {$13000.00}. 
"

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I recently pulled my free annual credit report and found XXXX accounts being reported that are owned by Midland Funding Debt Collection. I submitted a dispute through Experian for these XXXX accounts as they are being reported erroneously. These accounts were originated with other companies and purchased for pennies on the dollar by Midland Funding. 

I need assistance with deleting these XXXX items from my credit report for the following reasons : 1. Midland Funding has not provided adequate evidence of the existence of the debt nor validated the amount owed. 
2. The payment history reflected on all three accounts on the credit report is inaccurate, and does not reflect the entirety of payments made ( on time ) for the respective accounts. 

They ca n't have their cake and eat it too. How can Midland claim rights to this debt, yet it is unverified, and reported inaccurately? Their haphhazard reporting is causing harm to my credit score and financial well being and needs to be removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Armor Systems Corporation
State: IL

Complaint narrative:
Hi this debt is from XXXX, I submitted to the company a Driver license, my state ID, and my Social Security card and My full passport and my police report. proving I was out of the country for three years. I even drove to the doctor office and they do n't know me or I do n't know them? they also had no file of me. 

and its still not resolved. They want even more info. this account is from fraud.

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
Consumer complaint received 2016-12-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
I was in an accident and their insurance company was responsible for my medical bill. I contacted them advising them of this information. I also sent documents of the company and I communicating on a settlement amount. I advised the creditor that once the company had settled it could be paid and could it be removed. Though it is my bill this company was responsible for paying it. I sent a copy of the settlement check and asked could the debt be removed because I was never responsible for the debt the insurance company was and that I would be willing to make arrangements to pay it. Instead of them understanding that an accident took place is the reason a bill ever came about and that company was responsible for paying the bill. All this was sent in writing with the companies name and settlement information and info saying that they owed the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I have received a copy of my credit report and observed that an American Express account is opened under my name that I did not authorize or open. This company has my personal information and account that I did not open. They also gave collection agencies my personal information. American Express should never have my personal information or allow an account to be opened under my name without my authorization. They should also sent my information to collection agencies. I also found out there is a judgment on credit report. I was not told by American Express that they sued me and to appear in court. I was not notified. I have never done business with company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: MA

Complaint narrative:
I paid this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: LTD Financial Services, L.P.
State: MI

Complaint narrative:
Over the past XXXX XXXX XXXX XXXX months I 've received phone calls for someone referred to as XXXX XXXX XXXX for an owed debt. I have owned the current contract number for four ( 4 ) years prior to receiving these numerous calls. I 've repeatedly informed the company I do not know anyone by this name, and have owned this telephone number for years and to please stop contacting me and the company employee just hangs up the call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
AMERICAN EXPRESS has reported negative remarks on my Credit Report regarding a pending debt. I have not been presented with some practical solutions to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
Received a call from XXXX XXXX XXXX employed with Transworld Systems Inc . Stated this is a debt. collection agency left XXXX numbers. XXXX and XXXX. Be advised my ID was compromised many years ago by unknown actors. There is a great deal of misinformation and fraud base in the past. I have been unable to address these criminal actors for yrs. for no person group or agency will present me with the correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
I used my American Express Bluebird ( Card # ending in XXXX ) prepaid card for a one night stay at the XXXX XXXX in XXXX, Nevada that required a {$50.00} deposit on my card. During my stay I never used any amenities that would require a deduction from that XXXX deposit. In addition I had also spoke with the Front Desk Manager who had confirmed that the funds were released in XXXX increments. I have only received one of those XXXX increments and the other XXXX increments is still on hold currently since XX/XX/2016. I spoke with a " XXXX '' a call center supervisor on XX/XX/2016 in regards to this matter and He advised that they have the right to hold on to the funds as needed?? I have filed a complaint with the FDIC, the FTC who then sent me a link to the CFPB to file a complaint in regards to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
debt collection by phone and now by mail. I have repeatedly explained to the caller I am not the person and do not know the person w/ the name similar to mine. They keep calling daily and now letters are being received. States It is a student loan debt from XXXX University.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
In XX/XX/2016 after carefully reviewing my credit report XXXX accounts showed up on my credit from XXXX and XXXX.I immedietly disputed the XXXX accounts and placed a fraud alert on my credit reports. I have been back and forth with the creditor as well as the credit. Finally after months of disputing and making complaints the debt could not be validated and was deleted from my credit profile.over the past couple of weeks i have been getting letters in the mail from the collection agencies, for the same accounts. So it appears that the creditors deleted from my credit profile but then sold the account to multiple agencies. This debts are not mine and all i have been asking for for months is validation of account. also please look into the creditors selling these accounts to multiple agencies now i am receiving multiple letters which can be related to harrassment. I am requesting that the collection agencies validate debt owed and quit sending collection letters to my home. 

I have attached the letters that I am receiving from different collection agencies for the same account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
Midland Funding is reporting my account as open after I paid it off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Summary : There is a default judgment on my XXXX credit report for a defaulted credit debt that is not my debt. How do I remove it? 

This complaint concerns XXXX businesses : XXXX XXXX XXXX XXXX XXXX ( credit grantor, wholly owned by XXXX XXXX , XXXX ) Midland Funding LLC ( collection agency assignee ) The Law Office of XXXX XXXX XXXX, XXXX. ( legal reps of Midland Funding LLC in debt collection civil litigation ) In XX/XX/XXXX, I was served notice of pending legal suit for a person named " XXXX XXXX XXXX XXXX XXXX XXXX. '' I am not this person. I have never used either name to apply for credit. My name is similar. I was served at my residence. 

Attorney XXXX XXXX mailed to my residence 2 letters seeking settlement of a defaulted credit debt in XXXX XXXX ( prior to suit ) and XXXX XXXX ( after filing suit ). He represented Midland Funding LLC, a debt collector assignee of credit grantor XXXX XXXX. XXXX. XXXX XXXX ( XXXX XXXX ). In XXXX XXXX, Midland Funding mailed a letter to my residence informing me for the first time the existence of this debt. 

I answered the complaint with an affidavit denying all allegations in the complaint, including that I was not the defendant. They served the wrong person. Apparently, a default judgment was entered in XXXX XXXX. Shortly thereafter, the judgment appeared on my credit report. 

I want to get it removed. 

How do I do that? 

Do I have to file a motion to vacate with the court, even though the name on the judgment is " XXXX XXXX, '' not mine? Can the judgment be vacated because the real debtor was never served? 

Do I contact the attorney XXXX, who I sent my certified mail my sworn affidavit denying it was my debt? 

Do I contact Midland Funding, the debt collector? 

Or do I have to go to the original grantor of the credit and dispute everything? 

Should n't Midland Funding, and its Attorney XXXX, be held responsible for ruining my credit possibilities ( I 've been turned down numerous times because of this error )? The judgment is for {$4100.00}. 

Thank you for whatever help you can provide in resolving this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TRANSWORLD SYSTEMS INC
State: NJ

Complaint narrative:
I was checking my credit report and found that I have a brand new account in collections from Transworld Systems. There was NO information on this account, it is mostly blank fields and says that I owe {$140.00} to Transworld systems, date opened XX/XX/XXXX. I called the debt collector and spoke to a representative. The lady on the phone told me she had trouble finding the record but after lots of pushing, she told me it was from a company called National grid ( which I do not recognize ) dated originally from XX/XX/XXXX. I told her that I did not recognize the debt and it was also from a different state than I lived in, and lastly that it passed 7 years and I was beyond the statute of limitations regardless and requested a verification of the debt. The representative told me that transworld does not send verifications and that 'the best they can do ' is to ask the original company to send me a verification soon. Its been XXXX weeks and I have not received it. They refuse to validate the debt and they also illegally re-aged my debt and it destroyed my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
I had an account with XXXX ( XXXX ). Lost my Job for months and could n't pay the {$920.00} in debt I acquired. When I got employed again and called XXXX to pay off balance, I was informed after 5 months that my account was going to be sold and to not pay until the account was sold to " Midland Credit ''. I called midland credit and kept being given different sketchy, non verified numbers to call. About 3 weeks ago I got a call from an unknown number claiming to be MCM, which I do not trust being that MCM is notorious for committing fraudulent acts. I promptly hung up the call and I had received a letter in the mail claiming I owe midland credit over {$1100.00}. When I call the numbers on the website I ca n't get any information about my account, I just keep being given non verified numbers to call. Being that there was some recent fraud wig one of my credit lines I have to be very careful and discerning when it comes to giving out my personal information, especially for a company that I did n't do business with, and when it 's a company known for their committing fraud and.

Company response to consumer: Closed with non-monetary relief