milesbutler/consumer_complaints huggingface dataset:
Consumer complaint received 05-08-2017 about Debt collection (Other debt) with Weltman, Weinberg & Reis Co., L.P.A. (PA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: On XXXX XXXX, 2017, I received a letter ( see attached ) from Weltman, Weinberg & Reis Co., LPA ( hereinafter WWR ) attempting to collect a debt from their client XXXX XXXX XXXX ( XXXX XXXX ). Their file number is listed as XXXX. The first issue with the letter is that it does not comply with the Fair Debt Collection Practices Act ( hereinafter FDCPA ). The FDCPA applies to all debt collectors, of which WWR are. The FDCPA also states the attempt to collect a debt must include the verbiage of " this is an attempt to collect a debt and any information obtained will be used for that purpose '', of which this letter has none of that. I will not go into all of the violations that are present with the letter though for future legal action may be taken by me. My main concern is if this firm were to have done even the slightest bit of investigation from the documents XXXX had to have submitted to WWR they would have seen I was not liable for this debt. This debt arises out of a contractor who hit a utility line on my property. At no time when this happened was I home or operating any heavy equipment, which was noted on XXXXXXXX XXXX  investigation. In the state of PA, under PA Act 287 section 5, it is solely the contractors responsibility to call to have lines located or the one operating the excavator to call, neither of which was me. Therefore, their threat to take legal action against me is not allowed by law and is against federal law to threaten. Also, after having graduated from XXXX XXXX, and XXXX XXXX XXXX, I find it to be a little upsetting, and possibly an ethics violation, to have this XXXX XXXX XXXX use the term Partner under her name at the top center of the letter. This is misleading as if she is qualified to practice law or holding a J.D. degree. Many lay people would associate this as Partners in a lawfirm and she is holding herself out to be a Partner of what?? If they use the excuse they were not trying to collect it from me and are only going after the contractor then this letter is also a violation of the FDCPA. I find it appalling and downright illegal that a firm with this many offices can not even abide by the FDCPA. The proof is in the copy of the letter. A 1L in law school could write a better debt collection letter. My reason for filing this complaint is because this may help someone else who does not have a legal education and is taken advantage of by this firm. It is free for me to defend against these violators of federal law, but for others it may cost them their home, or car, and this firm needs to be stopped. I left a voice mail for this XXXX XXXX XXXX and I received no reply. If this firm decides to take any further unlawful action against me I wanted it documented that they were well aware if they would have done a simple investigation into the matter they would have seen that I legally owe no debt to them or XXXX under the laws of the State of Pennsylvania.

Company response to consumer: Closed with explanation
Consumer complaint received 10/25/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with Experian Information Solutions Inc. (FL).
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint: XXXX Initial correspondence sent to Credit reporting agency XXXX , Experian , XXXX XXXX regarding the accurate reporting of items disputed. In letter a requirement was made for all items to be validate 100 % ( Status, amounts, etc ). After review was completed items in question came back verified, however due to inaccuracies in balances reported vs statements received from the Original creditor. 
XXXX/XXXX/XXXX a 2nd review letter has been submitted to have items in question removed as a full investigation was not completed validating all criteria to report the items in question. I feel the items in question were not full investigated as 100 % accurate as required by the FCRA guidelines for reporting information. 

My resolution requested is to remove/delete the items in question due to negligence in not fully verifying all required pieces of 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 non-monetary relief
Consumer complaint received 12/23/2016 about Prepaid card (Government benefit payment card) with NETSPEND CORPORATION (WA).
Issue: Unauthorized transactions/trans. issues

Complaint: I noticed a few unauthorized transactions. they refunded me sum of the transactions, but no info on three atm withdrawls, they told me that they could not provide any info. I belive it was identity/use of card without knowledge. theywill not give me proof of findings, also they did not replace the disputied funds like they said in the trems of card poiciy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 03-07-2017 about Debt collection (Payday loan) with Access Financial LLC (NM).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: XXXX, a representative of Pocket Fund, contacted XXXX women from XXXX, stating he was calling them as I had listed them as references. XXXX disclosed the company name as well as went as far as stating he was affiliated with a loan company and the reasoning for the call was because they had not been able to reach me in regards to my delinquent account. 

At the time of obtaining this online payday loan, the only required provided information was my employer information, as well as residential, & banking account information. The XXXX women whom were contacted, I have no affiliation with. They live in XXXX, as I am in XXXX. XXXX of the women that were called, contacted my via Social Media to go as far as asking me why I took out a loan that I am not paying and listing her and her sister as references when we do not know each other. 

I had to apologize to this young lady for inconvenience, but I can assure you, it is rather embarrassing to have your private financial obligation to be discussed with a complete stranger. Mind you, my account is 18 days delinquent! When I contact XXXX he stated he did nothing wrong. To my knowledge, I thought the creditor was not to disclose even the company name, but rather inform the reference, or whomever if not the customer or consumer, that they are simply calling in regards to a personal business matter and are not authorized to release any other information BUT THAT! Still, XXXX insisted he did nothing wrong and asked how I wanted to pay my account today. He proceeded to tell me that if I did not pay that would lead to wage garnishment and I needed to take care of my past due balance.

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 04/30/2015 about Credit reporting () with TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS).
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint: Checked my credit report and it is showing a delinquency on a credit card that I do not have. Says I have a past due balance with XXXX and I do not have a XXXX card.

Company response to consumer: Closed with explanation
Consumer complaint received 10/27/2016 about Debt collection (I do not know) with Financial Credit Service, Inc. (OH).
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint: company named ARA contacted my elderly mother and spouse. XXXX message said I had XXXX counts of check fraud. Another message stated I had XXXX counts of fraud. I contacted them XXXX/XXXX/16 to discuss. My mother and husband forwarded me messages they sent in regards to the matter. They stated consider the message my notice of suite XXXX The problem is I am unaware of what the debt is and why it was considered fraud. I have reported it to the Ohio XXXX XXXX office. They have XXXX different case numbers. The numbers are XXXX, XXXX, XXXX ( as of today ) They have threatened to serve me at my job and home. the numbers for these collections are XXXX ext XXXX and XXXX ext XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 09/14/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with EQUIFAX, INC. (WA).
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint: We learned that Equifax had a security breach and millions of people 's credit may have been compromised. I 've put a fraud alert on my account, but can not get an answer as to whether my information was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 09/26/2017 about Debt collection (Other debt) with Professional Debt Mediation, Inc. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: This company has tried to collect an unverified debt I have tried to solve this matter with the company several times and was actually advised by one of their former employees that they try to collect extra payments from past tenants after they lawfully finish their lease. They have sent over copies of another customers lease agreement and contact information. I am a XXXX veteran who has been unfairly taken advantage of and i need help this company deserves to be fined for trying to take advantage and overcharge consumer with fake charges.

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 06/14/2016 about Credit reporting () with Experian Information Solutions Inc. (CA).
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint: Recently applied for auto loan for new car. When my credit was ran the report stated that I was 60 days delinquent on my child support to XXXX County and that I have serious delinquencies. None of which was on my credit history when I received a auto loan last year credit score also was effected by there action. When contacted agency stated because of being late with my support payment which was late because of going thru the courts XX/XX/XXXX and XX/XX/2011.

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 07/28/2016 about Credit reporting () with EQUIFAX, INC. (NJ).
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint: I have an XXXX credit card. I set up auto pay before going to XXXX. Somehow XXXX didnt receive the payment the second month. And it was reported to credit bureaus. XXXX couldnt say why it wasnt processed. They let credit bureaus know all my payment status is current and they are not reporting any late payment. XXXX and equifax are still showing that month as late on payment. XXXX has taken it off from my credit report. I was told by the credit bureaus that info is correct about me being late but XXXX keeps teeling me that there is no late payment that they are reporting. I have done the dispute twice with these credit bureaus. 
Thank you for your help

Company response to consumer: Closed with explanation
Consumer complaint received 05/20/2015 about Mortgage (FHA mortgage) with WELLS FARGO & COMPANY (MO).
Issue: Loan modification,collection,foreclosure

Complaint: After my first inital complaint ( XXXX ) I was contacted on my cell phone by someone at WellsFargo. I missed the call and called the number directly back. After speaking to the lady who answered the phone I was transferred to another lady, only to be disconnected during that transfer. Luckly I had the phone number and extension and called it right back, only to get a voicemail. I left a message and it took 2-3 days for a recall call. After being told my home specialist was changed from XXXX, who never returned my calls and was rude I was told I have an XXXX. I called XXXX direct number and left a message on XXXX/XXXX/15 @ XXXX to return my call. After not being called back I called and left another messsage on XXXX @ XXXX pm.. I still was not called back. I left another message on XX/XX/XXXX @ XXXX, finally I called again at XXXX using a different method other than his direct line. Needless to say he answered. When he asked what I needed, I explained I just wanted to know what was going on with my account. He said I needed XXXX full payments or I could do a short sale or foreclosure. I had explained how I had left him several messages and had left XXXX several as well. I tried leaving a payment on XXXX voicemail a month or so ago since she never called back. XXXX explained they can not take payments from voicemail. I was never called and told that, so how would I have known. No one calls back nor do they care if a family is about to lose thier home. I had sent XXXX the paperwork she requested when she was over my loan and even a letter explaining how my husband at the time had lost his job. I have to wonder if by me doing these complaints, is Wellsfargo is going to make this worse for me? 
This bank does n't seem to care and after reading all the complaints online I see why they get them. I do n't even know what to do or where to turn.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 06/30/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC).
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint: I am supposed to have a security freeze on my credit file in which when my credit is ran I am supposed to be contacted by the credit bureau. I now have multiple inquiries on my report that I was not notified about. I have contacted transunion, XXXX, and XXXX as well as the creditors who ran my credit asking that these inquiries be removed from my credit report. They have not been removed at this time.

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 05-06-2017 about Debt collection (Other debt) with COLLECTION SERVICES OF ATHENS, INC. (GA).
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint: Collection Service of  Athens  is reporting Unvalidated Debt to  XXXX  Credit Bureau. I have filed previous disputes with  XXXX  as they are the only credit bureau reporting this collection.   I have never received any written validation of debt or any correspondence from  Collection Service of Athens.    I have disputed this debt directly with  XXXX  but they alleged that they validated and updated the listing. The listing has been removed from all credit bureaus except  XXXX .   On  XXXX   XXXX ,   XXXX   I filed a   XXXX   XXXX   XXXX   Complaint that they have not responded to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 10-03-2016 about Debt collection (Other (i.e. phone, health club, etc.)) with Franklin Collection Service, Inc. (AL).
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint: I have a paid collection on my credit report from Franklin Collection Services , Inc listing an old XXXX XXXX XXXX account. I have spoken with several XXXX XXXX XXXX representatives that all express confusion over this collection and assure me it is a misunderstanding, there is no reason for Franklin to report this account at all, the account shows good standing in their system and they will contact Franklin and make sure the collection is removed from my credit report. I am attaching a payment confirmation XXXX XXXX XXXX sent me as well as transcript with an XXXX XXXX XXXX representative.

Company response to consumer: Closed with explanation
Consumer complaint received 09/20/2017 about Mortgage (FHA mortgage) with Seterus, Inc. (NJ).
Issue: Struggling to pay mortgage

Complaint: My initial loan in XX/XX/XXXX was with XXXX, then XXXX XXXX XXXX now Seterus. XXXX put me into a XXXX loan with escalating payment resulting in a refinancing after less than 6months in XX/XX/XXXX. This cost me additional closing cost immediately deminishing all equity in the home. As an equity loan was taken to pay the additional closing cost. This began the spiraling downhill financial strain I now face today. At the time of the initial mortgage, I could sustained the additional cost at that time as I was employed full time. InXX/XX/XXXX I lost my full time employment and eventually was unable to keep up with the mortgage. I reached out to XXXX XXXX XXXX, the initial modification and it was granted. I resumed payments when I secured a fulltime position inXX/XX/XXXX, but unfortunately was laid off in XX/XX/XXXX. The second ( {$1100.00} ) and third modification ( {$1100.00} ) were basically the same amount and did not provide the relief in financial burden that could be sustained. I have since secured employment and reached out to Seterus since XX/XX/XXXX to present and have been consistently denied for a modification although the value of the home has been in an upside down position for the past 8 years. The taxing authority in the township has acknowledge the decrease in value, other home sale in the area have been tippering in the range of {$80000.00} to {$140000.00} and yet the mortgage company refused a request for principal reduction and/or modification claiming among other reasons, " interest rate not fixed rate '' when they were the one who took away the fix rate and offered an adjustable, which I was unaware of.
I have XXXX XXXX in XXXX and XXXX in XXXX XXXX and have been a XXXX mother working all my life to maintain a home for my children and I. Unfortunate circumstances beyond my control have brought me to this point, however I still a wiling to pay the mortgage, just need one that is affordable and does not cause such financial burden.

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 01-10-2017 about Bank account or service (Other bank product/service) with M&T BANK CORPORATION (WA).
Issue: Account opening, closing, or management

Complaint: My mother died XX/XX/XXXX and I am a XXXX % beneficiary of her IRA. I wish to transfer this account from Wilmington Trust to XXXX XXXX. I initiated this transfer XX/XX/XXXX and six weeks later the assets have still not been released by Wilmington Trust.

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 02/21/2018 about Credit card or prepaid card (General-purpose credit card or charge card) with FIFTH THIRD FINANCIAL CORPORATION (IL).
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint: To whom it may concern, OnXX/XX/XXXX We received a Fifth Third Credit card statement Trio Credit Card, dated XX/XX/XXXX to XX/XX/ in my husbands name, with a XXXX balance.This credit card in my husbands name was opened up on XXXX. My husband never applied for this credit card at Fifth Third Bank in XXXX XXXX Illinois, so we called the credit card Fraud department at Fifth Third, and explained the situation and closed the credit card down due to fraud. We then asked if any other cards were opened up in his name, or my name and they told us that a XXXX XXXX rewards card was opened up in my name on XXXX and told them this was fraud as well and to close it down.My husband and I NEVER received an official credit card in the mail, nor did we ever receive any statements except for the one dated XX/XX/XXXXto XX/XX/XXXXin my husbands name which alerted us to these credit cards being opened up fraudulently. 
Both of these cards were opened coincidentally the same day as our loan was opened by XXXX XXXX manager at Fifth Third in XXXX XXXX, which makes me believe someone at XXXX XXXX in XXXX XXXX opened up these cards fraudulently. 
The manager at the time, XXXX XXXX was fired from Fifth Third Bank in XXXX XXXX which makes this even more interesting.Not only did my husband and I find out we had these 2 cards opened in our name, but I had 2 other cards opened in my name from Fifth Third Bank, and my husband had 1 other card opened up at Fifth Third in a woman 's name using my husbands social security number. It is our belief that all these fraudulent credit cards were opened up so that the person who opened them up at Fifth Third Bank ( in XXXX XXXX )? " got bonus points '', or extra money for doing this. Why would all of these credit cards be opened up if my husband and I never received an official card to charge with? We would advise ANYONE NOT TO OPEN CREDIT CARDS UP AT FIFTH THIRD BANK due to what happened to us! We reported this to our local police department, The XXXX FBI, and the FTC in XXXX. No one should have to experience this, but unfortunately this has happened to us since using Fifth Third Bank in XXXX XXXX, Illinois.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 01/16/2018 about Debt collection (Credit card debt) with CAPITAL ONE FINANCIAL CORPORATION (CA).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX I reviewed my credit report and found items related to identity theft I HAVE SENT POLICE REPORT, FCT REPORT PROOF OF MY IDENTITY & NOTARIZED AFFIDAVIT to Capital One for this in accurate account XXXX and specific amount {$500.00} I am citizen of the unites states of age, would like to make a complaint because for this specific account they apparently do not care about consumers rights for identity theft. I have made several attempts contacting the agency disputing fraudulent accounts. They refused to Delete & consider the ( FCRA ) FAIR CREDIT TRANSACTION ACT CONSUMER FINANCIAL PROTECTION BUREAU OF CALIFORNIA CREDIT LAWS Sections 605B,  XXXX ( f ), 623 ( a ) ( 6 ).

Company response to consumer: Closed with explanation
Consumer complaint received 09/27/2017 about Credit reporting, credit repair services, or other personal consumer reports (Credit reporting) with CITIBANK, N.A. (DE).
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint: XXXX XXXX correspondence which addressed the concerns of the complaint was not enclosed as stated by XXXX XXXXXXXX in theirXX/XX/XXXX response. They stated a payment history of the account from XX/XX/XXXX to the present for my record was enclosed, this is not true did not enclose the payment histor. Another complaint will be initiate for that information requiring XXXX XXXX to disclose payment history.

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