vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Bureau Systems, Inc., Paducah, KY Branch
State: TN

Complaint narrative:
Credit Bureau Systems never verified the debt nor did they produce an agreement that authorized the company to collect on alleged debt. It is a violation to 15 usc 1692f ( 1 ) and considered unfair practices to claim that a consumer owes a debt without the proof of an authorized agreement. I am challenging CBS to provide the agreement under penalty of perjury. Credit Bureau Systems said that they would honor my cease and desist order for ALL communications, but the company stated that reporting to consumer reporting agencies wasn't considered communication. As a debt collection agency, Credit Bureau Systems should be aware that communication is defined in the FDCPA as the conveying of information regarding a debt directly or indirectly to any person through any medium. Isn't CBS conveying information regarding an alleged debt to a person or persons known as a consumer reporting agency through a medium known as my consumer report? This is a violation of the FDCPA under 15 usc 1692c ( c ). CBS also said that another company " referred '' the alleged debt. I challenge CBS to provide proof of this " referral '' under the penalty of perjury. I would like to bring to CBS 's attention and for the record. According to 15 usc 1692j ( a ), It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. Because of CBS 's failure to follow my cease and desist order and their multiple acts against the FDCPA, I will be pursuing remedy for all injuries against me pursuant to 15 usc 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: UT

Complaint narrative:
I have disputed this on more then one attempt and CFPB closed account without investigating my complaint against IQ Data international false claims. CFPB states that A debt collector may not collect any interest or fee not authorized by the agreement or by law. 

The interest rate or fees charged on your debt may be increased if your original loan or credit agreement permits it and no law prohibits the increase, or if state law expressly permits the interest or fee. I have argued this fact in my previous statement and nothing has been done about this false claims by this debt collector. I have not agreed nor signed anything agreeing to a third party interest or any kind. IQ Data international states in this letter stating under the CFPB Consumer Financial Protection Bureau XXXX XXXX XXXX Iowa XXXX, IA XXXX Re : Complaint of XXXX XXXX Case Number : XXXX and XXXX Internal Reference : XXXX We have received your dispute letters of XX/XX/XXXX and XXXX, XXXX, in which you dispute the interest charges on your account in our office. We collect amounts owed to rental properties, and our records reflect your account was placed with our agency on XX/XX/XXXX, to collect {$640.00} owed to our client, XXXX XXXX. Initial notification, with instructions to dispute or make payment, was mailed on XX/XX/XXXX to the addresses submitted by our client which was unfortunately returned as undeliverable. Our office again mailed notification to your updated address on XX/XX/XXXX. Our office disagrees with your assessment regarding charging interest. Your account is accruing interest of 7.00 % per annum as allowable by law. This interest rate was disclosed in your initial notification. 

Under what Law is this allowed under Fair Credit Act? Under the 807. False or misleading representations. A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or permitted by law.

IQ Data has been sued for this same Tactic more then XXXX times. I request this company provide proof they are entitled to this false claim stating I agreed to this debt or even signed any agreement stating I agreed to a third party interest fee. CFPB failed to investigate this false claim and I have been asked by my legal counsel to try again. If this complaint can't be resolved I will be moving towards legal matters suing both CFPB an IQ data international

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Unexpected or other fees — 
Company: FIRST NATIONAL BANK OF OMAHA
State: KS

Complaint narrative:
Dear XXXX, On XX/XX/2021, I had my bank, First National Bank of Omaha located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX to send a international wire transfer to my sister XXXX XXXX XXXX  XXXX in XXXX, XXXX in the sum of {$1000.00} ( XXXX XXXX dollars ), I paid my bank a wire fee in the amount of {$25.00}, which I have no problem with that {$25.00} fee. 

However, the funds were never delivered to my sister for some odd reason my bank say with the XXXX code, but when my bank, First National Bank of Omaha put the funds back into my account, it was only in the amount of {$880.00}, which is {$110.00} less than my original amount of {$10000.00}. When I complained to my bank representative and to the president of my bank, they refused to refund me my full {$1000.00} claiming that XXXX had someway taken the missing {$110.00}, which I think is Unfair, since the funds was Never delivered to my XXXX  bank in XXXX, XXXX, so no service was rendered to me to account for my missing {$110.00}.

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and XXXX have gotten into the hands of the wrong person.

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored by my disputes. Section 611 ( a ), It is plainly stated that a failure to investigate those items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts de deleted immediately or I will file for ligation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have gotten into the hands of the wrong person.

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2021, I sent a dispute to Equifax about XXXX XXXX XXXX ( Date Opened : XXXX XXXX, 2021, Balance : {$480.00} ) XXXX ( Date Opened : XX/XX/2021, Balance : {$180.00} ) XXXX ( Date Opened : XX/XX/2021, Balance : {$220.00} ). It's been over 45 days since i sent this dispute and they have not answer as they are required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Southern Oregon Credit Service, Inc.
State: OR

Complaint narrative:
1 ) Unknown utility bill XXXX 2012, XXXXXXXX XXXX XXXXXXXX XXXX XXXX Tenant occupied. 
2 ) City bills wrong address. City was provided all correct contact information for hook-up, and billing. They choose to bill service address, not billing address, 3 ) County tax records reflect actual billing address, owner on record ( me )! 
4 ) City never attempts to correctly bill ( see their record ) 5 ) Sends to collection agency - Southern Oregon Credit 6 ) Southern Oregon Credit NEVER makes an attempt to mail, call or notify of balance. NEVER. Note again - county tax records are accurate - address, phone, etc. 
7 ) Southern Oregon uses Oregon Tax Refund to settle a debt, I never knew about, nor was EVER notified of, at ANY TIME. 
8 ) Southern Oregon Credit tags on XXXX to a XXXX bill! 
The MONEY IS NOT THE ISSUE. A business, let alone a CITY should collect accurate information about their customers, and then PROPERLY notify them of an outstanding bill/debt. 
A collection agency should know FAIR CREDIT PRACTICES- proper notification of outstanding debt providing an opportunity to CONTEST or settle a debt. I WAS GIVEN NO, NOT A SINGLE OPPORTUNITY to address this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: WI

Complaint narrative:
Escrow Errors : Based on the escrow analysis dated on XX/XX/XXXX, my monthly payment will increase from {$2400.00} to {$3100.00} due to an increased in both escrow amount and anticipated shortage, with the total amount of anticipated payment increasing from approximately $ 8000/year to $ 16000/year on a property with a value of approximately {$300000.00}. Upon review of the breakdown, I noticed that the anticipated escrow amount is erroneous due to duplicated annual property tax. 

I have contacted customer service since XXXX multiple times via phone and email regarding the issue, and was advised by various customer service agents with various information without an outcome. I have been instructed to email then fax the related tax information to the company without confirmation of receiving as of XX/XX/XXXX. In fact, none of the agents were able to understand from their own system where my status of escrow analysis is, and whether the provided property tax records were received. I was informed that their escrow department does not have an email or phone number and all communication must go through regular mail or fax. I have received multiple letters from the company regarding the increase in monthly statement to {$3100.00} without any information on either acknowledgement or any correction effort of the erroneous escrow estimate, and my account as XX/XX/XXXX still displays {$3100.00} as payment due on XX/XX/XXXX. 

It is worth noting that writing to the company regarding any account error, although indicated as the only method to contact the company regarding this issue on the monthly payment, was never mentioned by any of the agents as a " must '' or even a solution, and I was repeatedly discouraged from frequent follow-up and advised just to wait. It is very unclear with this type of system setup how this company is able to comply with 12 C.F.R. 1024.35.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
In XX/XX/2021 I disputed Public Record information on my consumer report under FCRA requirements of 15 USC 1681 ( a ) ( 4 ) accuracy and fairness of credit reporting. Consumer reporting agencies have a GRAVE responsibility to report fairness, impartiality, and a respect for the consumers right to PRIVACY. However Experian refused to provide me with my rights as a consumer a method of verification. I then recorded a call with Experian on XX/XX/2021 and asked for their method of verification under the requirements of the FCRA, I was told that information was not available and I can dispute the error again. Which Experian did not reinvestigate, they just sent me the previous investigations results. Experian has broken several FCRA violations. Experian did not submit nor forward any of my documentary proof to any furnisher because XXXX  technology limitations do not permit authenticity of consumer documents and PRIVACY CONCERNS. I have taken on this investigation and I have proof that USBK COURT did not and does not sell information to data furnishers. However, XXXX XXXX does sell and purchases bundled data which is how errors get reported. XXXX XXXX admitted the error and removed the error. Experian NEVER INVESTIGATED my bankruptcy dispute which is a violation to my consumer rights. Please show your documentary evidence since you have it and its verified otherwise 15 USC 1681s-2 ( a ) ( 1 ) ( A ) Prohibits furnishings knowing there are errors.

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to XXXX, XXXX, and Transunion. I sent a total of XXXX  letters letting them know of my request for correction and deletion. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed. I am fully aware that NO court system provides any type of court filing of bankruptcy or record also. Where are you actually getting the record from and what authority do you have to give that information? I haven't even filed BANKRUPTCY but yet there's one on my credit file I have to fight to get off when law says I have the right to get anything off of my report.

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 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Hello there are accounts and inaccuracies on my credit report. I reviewed all 3 reports and when I noticed the issues I reached out to Equifax, XXXX, and XXXX. I sent a total of XXXX letters letting them know of my request for correction and deletion. Not only have they not done this they continue to send me a computerized response of validation. I am the sole " person '' that can validate anything on my credit file per 15 USC 1692 ( g ). I am also the one who must give my written consent giving the credit reporting agencies authorization to furnish my credit report in the first place per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer. The consumer law violations are overflowing at this moment and this is my last attempt before the courts are involved and my invoice for monetary payment is mailed. I am fully aware that NO court system provides any type of court filing of bankruptcy or record also. Where are you actually getting the record from and what authority do you have to give that information? I haven't even filed BANKRUPTCY but yet there's one on my credit file I have to fight to get off when law says I have the right to get anything off of my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Dear sir or madam I am writing you about a complaint I have with your bank. I have been a long time customer of Wells Fargo and have been scammed by an online check scam involving my art. Im getting the run around Now from your bank and all said and done I am now getting return check nsf fees, my rent has now bounced bills are being returned. I am not responsible for these nor am I responsible for the XXXX that Wells Fargo said was Available in my account to cover the check. This is unacceptable I have receipts a police report and paperwork Having to do with this. When u released the funds on the XX/XX/21 I was told that the date of the availability was the XXXX, The bank cant take care of this or protect me from such fraud while banking with your bank? The account That the check went to was anoth3er Wells Fargo customer. You should be able to trace that sit is another Wells Fargo customer. Why am I getting the brunt of this online scam that has now ruining my financial and mental well being I will attach the supporting document of the receipt copies timelines etc. 
This is unacceptable and I will not accept that the bank that is fdic insured can not make this right .I expect the bank to refund me the overdrasft fees and the XXXX from the obvious fraud that I am not responsible for. 

Thank you 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 monetary relief
Consumer complaint received 2022-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Hi this complaint is being filed to bring awareness of violations the three credit reporting agencies continue to do when dealing with my credit report. I have my full credit file I ordered recently and I see a erronmous amount of inaccuracies and fraudulent accounts. There is also previous addresses that are in no way associated with me at all. I started my journey to get this corrected by filing a police report and sending a affidavit to the 3 major credit reporting agencies XXXX, XXXX, and Equifax. I realized I was a victim of identity theft when I started crazy calls about accounts that needed payment and I had no clue existed. Not only have the credit reporting agencies lied to me stating that the accounts or information is verified when per 15 USC 1692 ( g ) Validation of Debts the law clearly states validation comes directly from me a " person ''. I know its a money game and they get paid to put accounts just anywhere even when federal law says they have to gain my written consent per 15 USC 1681 ( a ) ( 2 ) ( b ) Furnishing A Consumer Report Without The Consent Of The Consumer.

Company response to consumer: Closed with explanation