vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: GEMINI CAPITAL GROUP, LLC
State: GA

Complaint narrative:
This is a debt that was purchased and then resold to XXXX companies that harassed me and later sued me and are now garnishing me for a debt in which I had a credit protection on my account in case I had stopped working. This debt is so old but being that it has been resold it it still alive. I tried to fight it stating I was not served the documents in questions ; however, the case was mute and my wages are garnished because of this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TekCollect Inc.
State: FL

Complaint narrative:
This. company Tek-Collect, Inc appears on my credit report for {$620.00}. This debt does not belong to me - I have been XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Javitch, Block & Rathbone LLC
State: OH

Complaint narrative:
i keep on getting notice in mail, that i am getting garnishment, for a debit that is not mine. i keep on sending letters back to them

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX been sending a bill, since XXXX, 2016 in which they have put my name, on another resident 's account. I have never resided or received care from this facility. I was operating strictly as resident 's, POA, with no financial responsibility. All statements were signed resident XXXX XXXX by POA for this account. I have requested XXXX XXXX to remove my name from this account. Resident passed on XXXX/XXXX/16 and I no longer have authority to operate as her POA. 

On XXXX/XXXX/16 I received a letter from Transworld System, dated XXXX/XXXX/16 stating that they were attempting to collect a debt for XXXX XXXX account XXXX. I immediately responded by phone and letter informing them that " I dispute having any debt of any kind with XXXX XXXX XXXX. Please send any verification of debt, including an itemized statement of all actual charges, dates and services billed, the charge and billed amount as well as signature of financial responsibility or consent for services received at XXXX XXXX. Failure to provide said information means that you need to immediately remove my name from this invalid debt. '' On XXXX/XXXX/16 Transworld responded, stating that they had contacted " the creditor, XXXX XXXX XXXX XXXX requesting for validation of and would forward any materials received as a result of request. '' On XXXX/XXXX/16 Transworld Systems sent another statement claiming I " still have time to exercise my rights '' and " they still show an unpaid account '' in the amount for {$1800.00}. 

I called Transworld on XXXX/XXXX/16, spoke with XXXX XXXX in collection dept. I Informed her that I continue to dispute having any debt of any kind with XXXX XXXX XXXX and Transworld failed to send any documentation verifying that I have a debt with the above creditor, as stated in their letter on XXXX/XXXX/16. XXXX acknowledged the debt was for resident and that she is deceased. She said that the account was closed as canceled on XXXX/XXXX/16, but was reopened on XXXX/XXXX/16 with no explanation. She agreed to look into the matter. 

I have followed the phone call with letters, dated XXXX/XXXX/16 to : Transworld Systems Inc.,XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, restating that I dispute said debt, have never received services from XXXX XXXX and have not signed any financial agreement for any services from them or for XXXX XXXX. Please remove my name from the account. 

Please look into this matter and have XXXX XXXX XXXX XXXX and Transworld Systems Inc. to immediately remove my name from this invalid debt and close out this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 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: AZ

Complaint narrative:
This debt was negotiated with the collection agency to be paid for a settlement sum and they agreed to remove it from my credit report. They continue to report this debt as being open collection even though it has been paid. They also are not abiding by our agreement to remove as open from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: AL

Complaint narrative:
To whom it may concern, I have stuff on my credit report i 'm disputing that does not belong to me, the collection Agency and creditor will not send me a copy of the signature, they say is mine, which is not mine. I all XXXX collection agencies could not find anything so they told me to dispute it with CFPB, this week i will mail you all the info, they said its listed as mark but i do not go by XXXX i go by XXXX. MCM ( Midland ) will not send me a copy of the signature, and threaten me they are going to turn it over to Attorney. Thank you, XXXX XXXX email XXXXXXXXXXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: TRANSWORLD SYSTEMS INC
State: CO

Complaint narrative:
In XXXX XXXX, a default judgement for {$16000.00} was granted to XXXX XXXX XXXX against me based on a supposed XX/XX/XXXX debt. In XXXX XXXX, I filed a complaint with the CFPB ( Case number : XXXX ). I contested that this judgment was not obtained legally because I was not served in this matter and was not given the chance to defend myself. I supplied evidence that I was not in XXXX when the process server claims to have personally served me. I have previously submitted an affidavit from my employer and supporting financial documents to CFPB showing that I was in XXXX XXXX, CO ( XXXX miles away ). 

After receiving this information, attorney for the plaintiff, XXXX and XXXX, did not ask the court to set aside the judgment. Instead they sent me and the court the process server 's field notes. The notes and service affidavit have an inaccurate physical description of me. Not only did the process server lie about serving me personally, she ( or someone with access to this information ), forged my signature on her notes. Whomever signed as me on her field notes made a poor attempt to copy my signature from the XX/XX/XXXX promissory note. I have included my Driver 's license & a lease to show what my signature looks like.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ

Complaint narrative:
I am a Title Insurance Agent in XXXX XXXX, NJ and an underwriter for XXXX XXXX Insurance Company. I have XXXX matters that closed over a year ago which I can not issue policies to the new owners due to the fact that HSBC has not recorded the discharges for the seller 's mortgages, leaving them remaining open of record. Both of these matters were the subject of a short sale. This office holds the documentation wherein HSBC agreed to the terms of the short sale. However, after the closing took place, the mortgages were never discharged. I am under strict obligation by my underwriter to issue a title policy in a timely fashion, however HSBC is negligent in XXXX matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
They are calling upwards of XXXX times a day, often with repeated phone calls occurring within minutes of each other. They are also switching phone numbers every few days, making it very difficult to get them to stop calling. 

In addition this company, despite having called in excess of XXXX times, has never left a single voice mail message. 

Finally, based on the calling pattern and lack of messages, it appears that the company is improperly using automatic dialers ( ie, robo dialing ), which we have never given consent to, putting them in violation of the the XXXX XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In XXXX, I signed up for a credit card from American Express. The card, the XXXX, was being marketed with a sign-up offer of XXXX XXXX and XXXX XXXX Miles ( XXXX ). I only received half of each of those figures : XXXX SkyMiles and XXXX MQMs. I have contacted Amex several times, both over the phone and via their website. Each time, they have refused to admit a mistake and lengthened the time they expect their investigation to take. I have documentation of the offer, both directly from American Express ' website and from the company 's paid content on credit-card advisory websites. However, all of their agents have refused to look at this. Putting an exact value on the miles I am missing is difficult. The XXXX, which can be used for a variety of XXXX purchases, including airfare, are worth a minimum on XXXX cent each against XXXX fees and can be worth between one and one and a half cents when used for XXXX flights. Even using the conservative one-cent valuation, American Express ' mistake cost me {$350.00}. The XXXX XXXX XXXX are very difficult to value, as they are used to earn various privileges XXXX upgrades to XXXX, priority boarding, etc. ) on XXXX flights. At this point, I can find no way of putting a monetary value on them, so I have excluded them from my estimate of how much money I lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Keep receiving a bill from Transworld Systems for XXXX XXXX XXXX XXXX XXXX. I have asked for records, not just a bill or collection notice. I have no record of using this company - and I have no idea who they are. Then to send me a bill for {$440.00} after 8 months is bad practice and bad faith. In addition - I have requested these detailed records 4 times!!! I have never received them - just another bill/collection notice

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
Midland Credit Management Inc, is the debt collection company. They 're sending me letters about XXXX. I do n't know them or have a debt with them. But they 're reporting it to the credit reporting agencies. I need for them to stop. And the law limits should go into effect about that matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: AMERICAN EXPRESS COMPANY
State: CO

Complaint narrative:
I received a letter in the mail from American Express attempting to get me to get their credit card. They acknowledge in the letter that I have outstanding debt with them. As part of the debt agreement, I was required to sign a statement that I would not ever apply for an American Express card again. I did not ask for this and consider this entrapment and harassment on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NV

Complaint narrative:
I have been repeatedly called my a company who has left voicemails stating that it was an alert message notification and that I needed to call XXXX to provide my statement. I did not return the phone calls. On the morning of XXXX XXXX, 2016, I received at phone call at XXXX from an unknown number. I answered the call. A lady spoke to me and asked me if I was XXXX XXXX and I said yes. She asked if my address was XXXX XXXX XXXX XXXX and I said no, and then asked what this was regarding. She said that legal paperwork had been delivered to that address for me and since I had not responded they were attempting to get a response from me. I asked what sort of legal paperwork and was told it was a complaint filed with the XXXX XXXX Sheriff 's Office. I said again that I had not received any paperwork. She transferred me to the " legal department '' where a man then picked up the phone. I again verified that the address was incorrect and asked what this was regarding. I was told that it was regarding an account of mine that was in collections and had been transferred to this law firm. He said it was regarding an accounts previously had with XXXX XXXX for the amount of {$1300.00}. He stated that he was going to email me paperwork that would require my electronic signature to agree to voluntary repayment in order to stop further legal action. He asked me to make a verbal agreement on a recorded line to make payments on this account. I told him I would not make any agreement without proper notification and delivery of paperwork. At that time, he told me that he was going to send out the email and would need an immediate response. He listed the name as XXXX XXXX and that his direct line is XXXX. I gave him my email address and was told he would email the document in XXXX mins. He asked me again to verbally agree to payments and I again stated no. At this time, he stated that he wished me the best of luck when we went to court and hung up on me. A few hours later I received an email with an electronic document attached. This document stated that immediate payment of the full amount was due today to prevent further legal action. After the phone call, I determined that I did previously have a joint account with XXXX XXXX with my exhusband that had been sent to collections, however this account has been paid in full. I also researched the numbers listed and have found them to be listed as fraudulent on many websites. The address listed appears to be a motel in XXXX XXXX CA. At this time, I am unsure what I can do to stop the harassing phone calls. I also concerned that these people have my personal credit information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Client Services, Inc.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Client Services for Client Service 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, Client Services. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
It has been over a month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Funding has called me several times a day on both my cell and home phone. They have also has placed several accounts on my credit report for debts that I allegedly owe to them, however I HAVE NEVER DONE BUSINESS WITH THIS COMPANY!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 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: NY

Complaint narrative:
Dear Sir or Madam : I am a XXXX and XXXX of my older Parents ( ages XXXX and XXXX ) who reside with me. I am writing this letter because I am a victim of a fraudulent scheme by Midland Funding LLC, concerning my old closed XXXX Bank XXXX credit card account for which the sum of {$330.00} was Charge Off on XXXX XXXX, XXXX, ( see enclosed copy of printout bearing the stamp from XXXX XXXX XXXX, Exhibit XXXX ). 

On XXXX XXXX, XXXX, Midland Funding LLC., filed a complaint against me in XXXX Civil Court claiming it had purchased my Credit Card account from XXXX XXXX XXXX ( Wrong Bank! ), and demanding {$960.00} ( Wrong Amount! ), with identical Affidavits of its employees XXXX XXXX and XXXX XXXX claiming that my account had been Charged Off on XXXX XXXX, XXXX ( Wrong Day, Month, and Year! ). ( See copies of Claimant and Affidavits as Exhibit XXXX ). However, I never received a response to my request for verification of the debt and documentation concerning the amount and ownership of the debt ( See copies of letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX, as Exhibit XXXX ). 

Last Year Midland Funding LLC was able to obtain a Default Judgment against me, ( because I did not receive the notice from court on time ) and served an Income Execution dated XXXX/XXXX/XXXX, to XXXX XXXX XXXX, where I work part time ( as Independent Contractor ) demanding the sum of {$1300.00} ( see copy as Exhibit XXXX ) which is {$970.00} more than what I owed XXXX XXXX XXXX, ( Not XXXX XXXX XXXX, as claimed by Midland Funding LLC ). 

Last Year, Midland Funding LLC paid XXXX Dollars to Office of the Attorney General as a settlement for filing false claims against NY Consumers, but it continues its Illegal Behavior, using the Courts as a tool.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Amount was originally XXXX - settlement of new balance is XXXX. Payments made do not reflect balance of XXXX ( XXXX XXXX, 2016 )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
American Express will not allow me to redeem cash back rewards, as advertised, without me providing them with an email address that they can dump trash email marketing into. They have widely advertised their cash back reward card but have not indicated that an email address for AMEX 's use and convenience is required to redeem your earned cash back credits. Yet I just tried to redeem my cash back credit through their online website and was not allowed to do so without providing them with an email address they like better than the one I gave them ( a non-working one appropriate for the junk email dumping AMEX wishes to use it for ). 
Why is a company as deceptive, unfair and abusive in its practices as AMEX allowed to violate people 's privacy and put them at risk by demanding an email address for their own marketing purposes? Why are people being forced to pay for more of AMEX 's advertising than they want to or should be required to?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Midland Funding ( represented by XXXX & XXXX ) sued me at an old address in the wrong XXXX and was ultimately successful in obtaining a default judgment against me in 2011. 

Fast forward to the present, I finally learned of the DJ this year when I received notice of wage execution. I requested copies of the original court record and found the service was effectuated at the wrong address and there was no account level documentation in the file. There were multiple balances listed so I ca n't be sure what they are alleging I owe. 

Midland and XXXX 's " Source of Address '' was the address on file. I had changed my address with Motor Vehicle, my bank, my children 's school and my cell phone carrier. They did not do their due diligence to locate me because it was in their best interest if I did not respond. 

In addition, there was an " Affidavit '' included in the case file which bears a strong resemblance to the the described fraudulent robo-signed documents that both Midland and XXXX were reprimanded for in their respective CFPB Consent Orders. There is no record of Midland ever having attempted to contact me prior to filing the complaint, I am not sure if a Dispute Affidavit exists or if my account was affected, since everything was sent to an incorrect address. 

Midland Funding has been ordered by the CFPB Consent Order to " Cease post-judgment enforcement activities and cease accepting settlement payments related to any Dispute Affidavit Lawsuits '' ; and to " Request that the Consumer reporting agencies amend, delete, or suppress information regarding any Dispute Affidavit Lawsuits, and associated judgments, as applicable ''. 

Midland is in violation of the CFPB Consent Order and FDCPA Federal law. Serving me at the wrong address in the wrong XXXX is sewer service and should not be tolerated. Is there a standard of due diligence that must be enforced? 

I have filed a Motion to Vacate the Default Judgement and to compel Discovery. At that time, if Midland chooses to continue to pursue the case using these fraudulent tactics I will counter-sue with the full weight of any consumer rights attorney I can find.

Company response to consumer: Closed with explanation