milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 12-09-2016 about Debt collection (Credit card) with Johnson Mark LLC (OR).
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint: I am being sued by Johnson Mark LLC who claims they are working on behalf of XXXX XXXX. I have already submitted one complaint, ( XXXX ) but I am now submitting a second one for fraud. 

I received a complaint to appear in court with Johnson Mark claiming to represent XXXX XXXX on a old debt they know nothing about, and have not provided affidavits for. The debt they are trying to sue for they have no claim to, they do not own the debt and are bill collectors. They are trying to force a win by default, trickery and scare tactics. If they do not amend the complaint on their own to show who the true plaintiff is in the case. I will write a motion to the court. 

In addition, I will be calling the bar association to report them for misrepresentation in the the complaint, and by trying to get me to settle a debt with them that I do not owe with a demand letter. This is Fraud. 

Furthermore I will be filing a separate complaint against XXXX XXXX, as they have also committed fraudulent credit card lending practices and scare tactics trying to get me to pay a debt that has been paid off many years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 07/15/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with NRA Group, LLC (PA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: NRA collections company contact me XX/XX/XXXX, I received XXXX letter stating I had a debt. I contacted them and said that I believe it was paid in full. They said put the account in dispute. I never heard from them again. After calling them today, XX/XX/XXXX, they said that I asked that they do not call me, I do not recall that. They turned it to collections, reporting that they have tried to collect it for 7 months. I have never received a request for payment, they did not list on my credit report that this is " in dispute '' as they told me. 

They list it as " Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department '' I disputed it, never heard anything else, not one letter or phone call. Now on my credit report showing, very unethical business practices, very rude, very unprofessional. XXXX in the XXXX office was rude and unprofessional. They told me to put it in dispute, I did, and never once contacted me again with verification of debt. 

I requested Name, Address and License Number and they hung up on me. Three times. 

They do not answer their phones, transfer you again and again, hang up while on hold. I was asked repeatedly to be put on hold and no one ever comes back to the line. I was on hold for two full hours today. 

I never received written notice of the dispute verification within the 5 day allowance. 

They listed on my credit report that they have tried for 7 months to collect, they have not tried even once to contact me, and they can not be reached for questions/concerns.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 07/30/2015 about Bank account or service (Checking account) with WELLS FARGO & COMPANY (CA).
Issue: Deposits and withdrawals

Complaint: Wells Fargo bank has the worse practice in the industry. 
I had a check to my customer in XX/XX/XXXX, it was cashed on XX/XX/XXXX. The same check was cashed again on XX/XX/XXXX. I called Wells Fargo immediately, it still let the check go through. I have to call them XXXX times. The only explanation I got was it was done by mobile deposit, it can not be caught. It is real scary thing in the banking industry, it means the same check can be cashed many times and the bank do nothing to stop those kind of activities and the worse the part is Wells Fargo wo n't stop that and gave all the non-sense excuses for those kind of practice. 
Wells Fargo has to have action for some clients who do not allow the mobile deposits. Could you imaging the 6 year old check can be cashed XXXX times?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 07-08-2017 about Debt collection (Other debt) with U.S. Collections West, Inc. (AZ).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company ( US Collection West ), which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$1900.00} with XXXX, XXXX, and XXXX credit reporting agencies. I requested verification of the debt and account however the business failed to provide adequate proof. Considering this business does not have a contract with me for goods or services they have provided nor have they provided adequate proof I am not obligated to pay for the alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 02/28/2018 about Debt collection (Other debt) with Total Card, Inc. (SD).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: XX/XX/2018 - Total Card, Inc sends me random letter about a debt that isn't valid and is like 4-5 years old. This was the first and only contact and isn't valid.

Company response to consumer: Closed with explanation
Consumer complaint received 05-04-2016 about Mortgage (Conventional adjustable mortgage (ARM)) with BMO HARRIS BANK NATIONAL ASSOCIATION (WI).
Issue: Loan servicing, payments, escrow account

Complaint: BMO Harris Bank in Wisconsin called me today. The collections dept representative claimed that the mortgage was overdue by 3 months. This issues has been previously resolved twice. The account was set on auto payment. It is a variable rate. The payment increased by {$1.00} and the auto payment failed to make the adjusted monthly amount. The system they use then automatically claims the account has not been paid. The technical errors were corrected. Then it happened again, the apparently do a system restore and all the past problems are brought back. I received a call today stating the account was overdue etc. It is not overdue. The account has been paid in full each month. This bank does not pay a living wage and they can not find technology specialists who would work for them. Then bank has widely been reported to have paid XXXX dollars in fines already for criminal behaviors with customer accounts. Outside professional peer review of their failure to perform customer services summarizes this complaint. This mortgage was a predatory lending exploitation and we are considering hiring a major law firm which can run TV ads and invite others who were exploited by predatory loans to come join a class action suit. Fines seem to have no effect on the business practices of this financial institution.

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 03/18/2017 about Debt collection (Medical) with Receivables Management Partners, LLC (NJ).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: All of the charges on the original debt should have been submitted to my insurance. The original creditor did not submit all the charges to my insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 08-10-2015 about Debt collection (Credit card) with ENCORE CAPITAL GROUP INC. (FL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: On XXXX XXXX I received a letter for Midland Credit Management inc . They were identifying themselves as the new owner of an account that is no longer in debt at the original creditor. They are charging me {$640.00} from credit XXXX bank account. Account number at MCM is XXXX. As soon as I received the letter I call them at XXXX. I 'm pretty sure that they can confirm this via their call recordings. The first representative was not avail to provide me any information as of why I owe this account to them. When I repeatedly ask him why he could n't provide me any information he said to call again later. After he got tired of me asking why he could't provide me any information and me asking to speak to a US representative that speaks english since I thought that was n't understanding what I was telling him he hang up on me. 

I called a second time and explain that a previous representative had hang up on me the new representative started to laugh at me. When I ask him what was so funny he laugh again and said that it was n't about me. I ask for manager and he send me again to the main number to get another representative. 

For their poor collection tactics I have open this complaint with the XXXX and also with The Consumer Financial Protection Bureau. 

With all of this being said, I require that Midland Credit Management Inc provides me with detailed information that validates this debt as correct. That includes sending me detailed statements about the amount owe, verification from the original creditor that shows that I still owe this debt, Signed contracts or agreements between me and the original creditor. If they can not provide me with all of this information, I require that they stop all collections attempt to myself and to do not report this debt to any of the XXXX credit bureaus ( XXXX, XXXX, XXXX ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 08-02-2015 about Credit reporting () with Experian Information Solutions Inc. (FL).
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint: XXXX letters to Experian have failed to get achieve any response other than " We received a suspicious request re your credit report ... ... and will not be initiating any disputes based on the correspondence. '' A further request from me to correct false data on the report has not been acknowledged for over XXXX months.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 05-10-2016 about Credit card () with CITIBANK, N.A. (FL).
Issue: Credit line increase/decrease

Complaint: This bank voluntarily undertook to lend me money but the lending was not accomplished with due care and increased the risk of harm to me through ( 1 ) an inability to access the proper amount of funds to properly grow my business of providing legal services particularly on or about XXXX XXXX, XXXX which is when I filed for Chapter XXXX bankruptcy ( which was dismissed ) and after the XXXX XXXX, XXXX XXXX Supreme Court order of suspension from the practice of law ( which I am challenging ) but at which time a proper amount of loan funds would have allowed me to redirect my law practice to potential customers in XXXX and XXXX ( as my law licenses in XXXX and XXXX is valid ) as well as ( 2 ) through the negative mark on my credit reports and presumably resulted in harm to others who would have benefited from my business of providing legal services ( or at least the lower cost of legal services gained by more competition in the marketplace ). The reliance upon the undertaking conferred a duty of reasonable care by the bank because it thereby created a foreseeable zone of risk. XXXX XXXX XXXX XXXX XXXX v. XXXX, XXXX So. XXXX XXXX, XXXX ( XXXX XXXX ) ( " Voluntarily undertaking to do an act that if not accomplished with due care might increase the risk of harm to others or might result in harm to others due to their reliance upon the undertaking confers a duty of reasonable care, because it thereby 'creates a foreseeable zone of risk. ' XXXX v. XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) ; '' ).

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 06-12-2017 about Debt collection (Other debt) with CONTRACT CALLERS INC (AZ).
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint: XXXX   XXXX  Regulated does not have license to practice / collect in Arizona where i reside.      XXXX   XXXX  claims I have an outstanding electric bill.     On  XXXX   XXXX  I received a letter from Contract Callers Inc or  CCI  concerning the  XXXX  account.     I sent a letter to dispute to  Contract  Callers requesting a validation or verification of the bill.     On  XXXX   XXXX  i saw  XXXX   XXXX  put a collection on my credit report.     I called  Contract  Callers on  XXXX   XXXX . Spoke w/  XXXX   .  They told me, that received the bill on  XXXX   XXXX  from  XXXX  and they sent me a letter on  XXXX   XXXX . They told me they had received my dispute ; and noted to me that  XXXX  Reported the collection on my report. I asked to speak to a supervisor and was told the Supervisor  XXXX  didnt want to speak to me.   supervisor  XXXX  ext  XXXX .     I called  XXXX   XXXX  and asked to be connected to the Collection department. I was transferred again to  Contract  Callers.       XXXX   XXXX    NOR Contrac t has followed the process of the Fair Credit Reporting Act.   I am by law allowed 30 days to dispute.     The notice i got from  Contract  Callers was received on  XXXX   XXXX . I responded to the company prior to the 30 day limit.      XXXX   and/or Contract  Callers have violated the law.

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 11-11-2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (TX).
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint: To Whom It May Concern : I have contacted Experian consumer dispute department and fraud department several times by phone, via email and through certified mail notifying them I am a victim of Identity Theft and that there are items on my report that were fraudulently opened and not belonging to me. I have sent the Experian Identity Theft Affidavits, Police Reports and Military records establishing my position in XXXX, XXXX at the time of these fraudulent accounts being opened as well. After submitting substantial information to prove these accounts are fraudulent, Experian continues to refuse to investigate and remove these account from my credit report. 

Each time, Experian has sent me a computed generated response that states : " IF THIS ACCOUNT WAS OPENED AS A RESULT OF IDENTITY THEFT, THE CREDIT GRANTOR MAY NOT KNOW HOW TO CONTACT YOU TO DISCUSS THIS MATTER, THE CREDIT GRANTOR REQUEST THAT YOU CONTACT THEM DIRECTLY. '' However, I have contacted the creditor grantor directly and the creditor grantor is stating that they never told Experian they request I contact them directly and this is a computer generated message by Experian. 

The below accounts were fraudulently opened. They are INACURATE on my  credit report and I have disputed these accounts with the credit grantor prior to contacting Experian and your office. I want these FRAUDULENT accounts removed from my credit report. 

XXXX XXXX Partial Account Number XXXX {$2100.00} OPENED XX/XX/XXXX XXXX XXXX Partial Account Number XXXX {$660.00} OPENED XX/XX/XXXX XXXX XXXX Partial Account Number XXXX OPENED XX/XX/XXXX ADDRESSES : Address Identification # : XXXX XXXX CONSUMER DISPUTE : This is not my address and I have never physically lived or worked at this address. 

Address Identification # : XXXX CONSUMER DISPUTE : This is not my address and I have never physically lived or worked at this address. 

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 non-monetary relief
Consumer complaint received 04-12-2016 about Student loan (Non-federal student loan) with Campus Student Funding, LLC (GA).
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint: I attended XXXX at the XXXX campus. I was there from XXXX XXXX through XXXX XXXX. As far as I knew, I had XXXX loans. A federal loan and a XXXX loan. My taxes said my lender was XXXX and all the emails I have saved for applying to my loan links to XXXX. Found out about the lawsuit/settlement against XXXX and the XXXX loans. Found out that my loan was not qualified for the forgiveness since it was not a XXXX loan. That is when I found out that Campus Student Funding owned my loan. I had never heard of them until last year. I have been trying to get a copy of my original loan contract but can not get in contact with Campus Student Funding and neither can XXXX, they now service my loan. I have also tried to contact the XXXX campus to get a copy of it and they do not have XXXX since it was done online. I believe that my loan did qualify to be forgiven or reduced.

Company response to consumer: Closed with explanation
Consumer complaint received 04-03-2017 about Mortgage (Conventional fixed mortgage) with OCWEN LOAN SERVICING LLC (WI).
Issue: Loan servicing, payments, escrow account

Complaint: Ocwen miscalculated my property taxes and as a result, my monthly escrow amount is {$1700.00} instead of {$700.00}. About a year ago, my property taxes got paid twice by Ocwen. My county refunded Ocwen the overpayment amount. Ocwen then calculated my taxes based off the double payment showing I was short, even though I was n't and Ocwen received a check for the overpayment. It is very frustrating because Ocwens XXXX call service center recognizes the error and every time I call to have my escrow recalculated to my correct tax bill, I am told it takes up to ten days and " I will put in a request ". Nothing happens. For a company so large to be so incompetent is beyond me. Unfortunately, Ocwen can see the error, but they wont respond. After reviewing the negative press surrounding Ocwen, I would think they would resolve customer complaints. Also, this is so simple and they ca n't fix it. Take my annual taxes divide by 12 months and you are done ... simple.

Company response to consumer: Closed
Consumer complaint received 09/28/2015 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (CA).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint: This complaint is against FCSI aka : Franklin Collection Service , Inc . I want to keep this company from reporting inaccurate information. I do NOT owe this bill of {$62.00} and I expect them NOT to report inaccuracies. 

FCSI has purchased my account from another collection agency after XXXX XXXX XXXX ( original creditor ) & XXXX has since removed their accounts for the amount of {$62.00}. I want to ensure that FCSI does not report this erroneous account to collections. They failed to show me all the proof I had requested to prove that this account that has been removed from XXXX XXXX XXXX and XXXX XXXX, is mine. They also ignore my request to furnish the information in the letters attached and remove this account. 

I wrote to them XXXX times with certified mail and the last time received no response. 

I am disappointed with XXXX XXXX XXXX and disgusted by FCSI companies ' practices.I would never recommend any of these companies to anyone as being honest and forthright. 

I must say, it must be against the law to double dip. All of these collection companies claim this so called " account '' as a loss when they do their taxes. By doing this, they forfeit the chance to get paid, while collection companies also try to collect money from unexpected customers, which is considered " double dipping ''. I would like to shine a spotlight on this and every company trying to do shady business.

Company response to consumer: Closed with explanation
Consumer complaint received 12-07-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Navient Solutions, LLC. (OH).
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint: I received XXXX tickets from Washington XXXX. The ticket was sent in the mail with an expired Court date I called XXXX and asked when could I have a court date that the court date had expired. Told I could not get a court date ( right to due process ). XXXX XXXX XXXX was to be paid in XXXX County ( another error ). Told to write XXXX letters gone unanswered.XXXX ) Sent letter to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XX/XX/XXXX2016, No response. Contacted XXXX/XXXX/2016. Called was told that the account at the request of XXXX was sent to Municipal Services Bureau. Come to find out from representative XXXX that XXXX and Municipal are XXXX in the same and that Municipal is the parent company. Team player XXXX stated the the dispute was put in on XX/XX/XXXX2016. No response. Even after request for me to resubmit another dispute. Misrepresented who they are and denied me the right to have this resolve by not letting me speak with a supervisor for resolution. The amount owed is completely different from the court house portal. Speeding ticket is XXXX and the XXXX suspension is XXXX now the ticket is XXXX XXXX at the Washington XXXX stated that the amount is high because I did not show up for court. Never had a court date. Called the credit bureau at least 20 times. XXXX/XXXX/2016 spoke with XXXX, XXXX, XXXX and he informed me that I need to submit another complaint dispute online that is the only way. XXXX 's team member said that they are a municiple court ( false ) an the have more time and she does n't know how long for a dispute. The letter XXXX and XXXX at the Washington XXXX was submitted 3 times.

Company response to consumer: Closed with explanation