vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Ogden Holdings, LLC
State: TN

Complaint narrative:
XXXX XXXX is the office that I received the loan from, This account is not in bad debt but in good standing. I am complaining because if I am just a day late on the payment, they call me NON STOP and leave threatening messages. They also come to my house repeatedly and this payment that is owed is not even 30 days behind. I am tired of them harassing me, I didn't even know you could threaten people with suit and with seizing property unless you were pretty behind like 90 days? I mean not even barely a day late and the phone calls are non stop. They are so rude to me in the office and when they come to my house, they have done this since day one and all through Covid restrictions when people weren't supposed to be using debt collection practices. They send very nasty letters and text messages, they also send threatening voicemails.

They are breaking alot of rules at this place of business. I think they need to reevaluate their office rules and practices. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
We have very good rate on our mortgage its 2 percent for the life of the loan. My mortgage was with XXXX XXXX and I did a one those ygrene program to change my windows and doors and XXXX they supposed to add the loan with the property tax and add it to the monthly payment and our payment going to go up XXXX dollars more and we ok with that but XXXX did not do that and made my Escrow account behind and short and they told me to pay XXXX to fix the escrow account I told them you pay or fix it its your mistake I didnt not do anything wrong they refused the they agreed after all to fix while I was waiting for XXXX to fix it I got a letter in the mail telling me my mortgage was sold again for the fourth time to company called Fay servicing and since Fay servicing had my loan they refused to help or fix the problem but they want to take my house from my family and I had to get attorney to save my home so far no luck and cost {$1500.00} a month for the attorney since 2019 Also the pandemic has put us behind another year and now I owe XXXX to Fay servicing and my attorney wants to file another lawsuit against Fay but we are so tired of all this I cant just walk away from our home with XXXX kids and my wife stay at home mom Im the only income right now my income is XXXX a year I know Im able to offered my home but Fay servicing they say I cant offered it its better to sale my home or they will take it from us. 
Fay servicing is Unfair practicing against us and discrimination against us every time I call they tell things like sell your house man and make couple dollars before we take your home from you and other time they tell take money from XXXX to save your home because we not going to help or work with you. And last phone call they told me if you sue us we going to take your home from you after that I spoke to a manger I told her whats happening and she say I cant talk to you anymore because you have attorney we are not allowed to talk to you and I told her you guys call me all the time and she was pissed off at her team.

Fay servicing very bad company They do unfair practice and they discriminate against people. I have four other mortgage companies before but like fay I have never seen anything like this. 
Thank you. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
I received a letter from my mortgage servicer select portfolio servicing , Inc. indicating my loan was transferred to XXXX XXXX XXXX  effective XX/XX/XXXX. I called XXXX bank on XX/XX/XXXX and they don't have any record of my mortgage and assured me they didn't purchase it. They confirmed the address and phone number on the letter from select portfolio servicing , inc. is not their number or address. I just want to pay my mortgage and I am unable to do so. This is either fraud or incompetence and I am not happy with them. 

the adders for the payments is to XXXX XXXX XXXX. I don't know if this is a scam where they are trying to steal money or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Village Capital & Investment LLC
State: AL

Complaint narrative:
Village Capital & Investment LLC, you have been sent the following notice in relation to your attempts from collecting alleged debts and present debts Not OWED to you ; Debt Validation notice, cease and desist and billing error notice. You are attempting to collect alleged debts from ( a federally protected CONSUMER and not a customer that extended my credit to you, and you have been taking advantage of me ) without any authorization or authority to do so. You are exhibiting UNFAIR DEBT COLLECTION PRACTICES in your attempts to collect these alleged debts violating federal law 15 U.S.C 1692 and are not maintaining business practices consistent with the Truth And Lending Act 15 U.S.C 1601 nor the fair billing act 15 U.S.C 1666. You are required by LAW to adhere to these regulations and maintain business practices consistent with these laws, also including your requirements to have business practices consistent with Generally Accepted Accounting Principles pursuant to 12 U.S.C 12 1831n. Your actions lead to a violation of the law and your oaths to maintain these practices in your business dealings. As the natural person, I am demanding all of the information be sent as required pursuant to the aforementioned laws and those clearly and conspicuously shown in the attached notices. As a consumer, I have a right to dispute ANY act that violates me as a natural person. As congress has stated YOU are a debt collector pursuant to 15 U.S.C 1692a ( 6 ) and your adherence to this FEDERAL LAW is NOT optional. In my attached notices I have demanded several original documents, if your claims hold any merit you will have no problem providing proof. This demand is NOT optional you are REQUIRED pursuant to the freedom of information Act Act 5 U.S.C 552 to provide ALL the information that was demanded the exact way it was demanded. Any submission not in compliance with these demands will create exhibits that prove that I do not owe you any alleged debts. As the ORIGINAL CREDITOR and CONSUMER involved in the alleged debt, I am demanding you comply with the demands in this attached notice. The affidavit must be answered point by point. I will not hesitate to pursue further litigation to enforce the protection of my consumer rights if need be. Without this demanded documentary evidence that I owe any alleged debt, your practices are inconsistent with 15 USC 1692 and you will be held FULLY accountable for your WILLFUL NONCOMPLIANCE with federal law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Direct Recovery Services, LLC
State: DC

Complaint narrative:
I am the brother of someone they thought they were calling. This is the transcript : Federal law designates this matter as a confidential notice for the XXXX XXXX XXXX if this is not the XXXX XXXX XXXX please hang up now if this is XXXX XXXX XXXX please continue listening to this message do not listen to this message where others can hear as it contains confidential information I will now be a three second pause hello this is XXXX XXXX unfortunately I received a notice in your file today is Thursday, XX/XX/XXXX in your ______ ___ reached my office due to __ looks like is him your failure to respond well I do need to know if it was done intentionally hopefully that was an oversight but I do suggest you communicate we are open today until XXXX XXXX  in the phone number I can be reached at XXXX again it would be who've you to call before we were asked to see his volunteer communications so please call me back at XXXX also I do apologize for any aggravation but again I did just receive this notice to pay online go to XXXX and click on the pay now link your account number is XXXX Sent from my XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Boone & Associates Group LLC
State: TX

Complaint narrative:
This company has called me on several different occasions but today ( XX/XX/29 at XXXX CST ) they called a family member trying to find me. I decided to give this company a call to see why they were trying to reach me. I reached them at XXXX CST, this person did not identify as a debt collector, did not advise me that the call was being recorded, and did not verify who I was. They let me know that they are collecting on a loan that I took out a couple of years ago and will garnish my wages. I stopped them and let them know that they were not licensed to collect in TX or that TX does not garnish wages for regular debt. We argued over this until he hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: NY

Complaint narrative:
I have been paying down this debt ( 2 accounts were combined- a total of over XXXX, when I called to make a payment they told me I had a new collections amount over XXXX dollars. But I received NO COLLECTION LETTER FOR THat amount from anyone. I called my insurance company who then informed me that the other two accounts in collections with CMRE were paid in full by my insurance company- XXXX XXXX XXXX XXXX XXXX XXXX. I have both XXXX  from those charges and they show NO BALANCE OWED BY ME. So I have been paying a debt that has already been paid in full. I sent those documents to CMRE and have called twice and no one will return my call and I have received no repayment of the hundreds I have already paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: PA

Complaint narrative:
I received a collection letter from this company I asked them to verify the debt. I was sent a bill from XXXX XXXX. I dont have auto insurance with XXXX XXXX I have XXXX  I dont owe this debt. Instead this company put this collection on my XXXX  report. I want this off.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: AL

Complaint narrative:
XX/XX/2021 Equifax XXXX  XXXX  has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ERC
State: GA

Complaint narrative:
Per tracking, Its been 2-3 months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX, Attorney General and FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I am writing to report an illegal, abusive and discriminatory action by the entity TD BANK, of whom I was past client and owner of financial products. This entity has taken advantage of its dominant position to arbitrarily close my financial products alleging an alleged fraud that did not exist. This fraud is based on a transaction made by myself from my XXXX account to my savings account at TD BANK. The bank claims that my last name in the transaction matched my last name on the account. The bank not only froze the account, but also closed it in an abusive way, leaving me without access to my money deposited there in the amount of {$400.00}. Money which has not yet been returned to me. The bank is asking me to request to XXXX to start a reverse request, however XXXX has declined such request because there is no transaction b for that value that can be reversed. The {$400.00} that belongs to me and is held by the TD bank, is the result of different deposits and withdrawals of money, and not of a specific XXXX transaction that may be reverted. 

I have asked TD Bank to return my money either by : XXXX. Sending me a check to the registered account address : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX. 
2. Send a payment to that same XXXX account they have reverted payments to in the past - XXXX 3. Make a payment to the current account of XXXX XXXX, the company that owns the XXXX account - XXXX XXXX XXXX  Account name : XXXX XXXX Account XXXX XXXX XXXX Aba Routing XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Monterey Financial Services LLC
State: NY

Complaint narrative:
Monterey financial calls me 2-5 times a month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
Online Information Services - Creditors have reported several times my medical debt for the same amount and the same day of service. 
This has led to a derogatory number of 25 entries. I contacted them, but they do not know why these are reported so many times and they could not help. 

Creditor A : amount {$270.00} Reported 3 times Date : XX/XX/XXXX Creditor B : Amount : {$260.00} Reported : 10 times Date : XX/XX/XXXX Creditor C : Amount : {$180.00} Reported : 2 times Date : XX/XX/XXXX Creditor D : Amount : {$470.00} Reported : 2 times Date : XX/XX/XXXX Creditor : E Amount : {$180.00} Reported : 2 times Date : XX/XX/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
XXXX {$3100.00} XX/XX/XXXX did nothing XXXX XXXX XXXX XXXX {$3100.00} XX/XX/XXXX XXXXXXXX XXXX  removed from credit Credence Resource Managment {$3100.00} XX/XX/XXXX reinserted into credit blew me off even though they acknowlage fraud XXXX in XXXX of XXXX a XXXX account was opend up in my name in XXXX Florida XXXX I also had several credit cards and my XXXX XXXX accout stolen as well. I can only guess this was a result of the XXXX data breach. In XXXX of XXXX I was moved to XXXX XXXX Texas. I learned of all this frauad pieces at a time as it came through, and all was delt with except XXXX XXXX. They have been nothing short of imposibile to work with. they do not have a fraud department I can contact and once its in collections they will do nothing to help. I have sent the credit bureas all the information including police reports, lease agreements pay stubs showing I was at work in Texas the day it was opened. XXXX XXXX XXXX XXXX help the debt it was removed XX/XX/XXXX report number XXXX now XXXX XXXX has sold the debt again to Credance resource managment on XX/XX/XXXX I was alerted to this and again I am having to dispute this. report number XXXX This is coming as I am trying to buy a house an could impact my ability to do so. I have proved left and right it was identity theft. this is becoming a case of harrasment to me please help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-29 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: FL

Complaint narrative:
I have disputed the validity and the accuracy of this account several times since I have found these accounts reporting on my credit report. I have provided a new dispute reason for each time the account has been disputed. According to Florida law I am supposed to receive a notice of sale 10 days prior to the vehicle being sold as well as information regarding the time and place the vehicle would be sold I have asked XXXX XXXX and XXXX XXXX XXXX for that information and as of today I am still not in receipt of that information from either of these companies. I spoke with XXXX XXXX at XXXX and she advised that they received a letter from me on XX/XX/XXXX which I advised to her my last request to them was mailed on XX/XX/XXXX she advised that she believed due to Covid they have been backed up in processing requests in their office. She advised that my request for validation including the contracts, account statement, deficiency balance, and notice of sale was mailed out XX/XX/XXXX which I have yet to receive as of today XXXX XXXX. Please review recorded line conversations from XX/XX/XXXX. 

The last letter I sent to the credit bureau 's dated XX/XX/XXXX requested the bureau 's to investigate the reason why the date of last payment reports incomplete and inaccurately because XXXX  does not reflect a date of last payment, XXXX  reports the date of last payment of XX/XX/XXXX, and Equifax reports a date of last payment of XX/XX/XXXX. As of today XX/XX/XXXX I have not received the results of that investigation it has been well over 45 days since I have been waiting on a response from all three bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Specialized Loan Servicing Holdings LLC
State: CT

Complaint narrative:
My mortgage loan was transferred from XXXX  XXXX XXXX to Specialized Loan Servicing Company as of XXXX. I have been dealing with this company for just about 2 months and I am at my wits end with them. They sent our welcome packet late, has to call them to get new loan number to make payment. Their auto dialer called when it shouldnt have because they can not call us to demand payment because we had been in bankruptcy and it was discharged they did this twice before I called them to tell them to stop, and advised that we pay at the end of each month but within 30 days and I advised that per our modification and bankruptcy discharge, they can not charge us a late charge then my XXXX XXXX score drops 13 points because they reported us to the bureaus when they werent supposed to called them to get fixed, I got attitude and the agents were rude. They refused to transfer me to a manager, finally was able to s/w someone in consumer escalations she said would get it fixed and she did one of the first representatives told me I would need to prove they reported to the bureaus. I checked my XXXX  score today and it dropped 65 points because they reported it again called again and spoke with XXXX in consumer escalations who was very rude and basically advised it couldnt be fixed for upwards of 45 days I need it fixed before then .. he also rudely advised me of their business policy of no external emails for security and to speak with a manager it takes 1-3 business days that is ridiculous I need my issue fixed and escalated immediately I am to the point I am going to call a lawyer and sue.

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 2021-07-29 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: TX

Complaint narrative:
Four years ago I filed the attached sheriffs report and supplement. I have sent multiple copies of arrest and warrants from around the country including XXXX and XXXX XXXX County where I reside on the person listed on my sheriffs report, XXXX XXXX XXXX. Attached is the latest Grand Jury Indictments that list forgery.

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 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XX/XX/2021 XXXX XXXX transition has not complied with the ( FCRA ) 30day investigation rules and has not Verified anything

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