vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, National Association
State: AZ

Complaint narrative:
NYCB had an appraisal done on my home by an incompetent appraiser on XX/XX/XXXX, who claimed there are XXXX kitchens in my house. On this basis, they refuse to refund the loan, at a lower rate. On XX/XX/XXXX, I complained to the State of Arizona Board of Appraisal ( ABOA ), who agreed on XXXX/XXXX/2015 that there is only XXXX kitchen. NYCB insists that their flawed and incompetent appraisal report, which states there are XXXX kitchens, and therefore more than XXXX accessory unit, is correct. The State of Arizona, the highest authority in Arizona, disagrees, and claims there is XXXX functional kitchen. With XXXX kitchen, there can not possibly be more than XXXX accessory dwelling. The fair and equitable thing to do at this time is to order a new appraisal, to see who is correct. I know with 100 % certainty that the State of Arizona is correct, as was NYCB 's own appraiser 4 years ago, when they funded the home in question. NYCB also knows that I am correct. This home has not changed at all in 4 years, except that it is a little older. 
They tried to do the same thing XX/XX/XXXX, with another home, and they eventually admitted the appraisal was faulty, ordered a new appraisal, and funded the loan. NYCB just wants to keep me paying a higher interest rate, so that they make more money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Santander has reported excessive late payments on my credit report. I was never 90 days late. Santander stated that they repossessed my car at 85 days late so 90 day reporting is inaccurate, furthermore it was repeatedly reported as 90 days late XXXX times from the time of repossession dating past the point of settling the account balance in XX/XX/2016. This account is affecting the integrity of my credit report and defaming my repayment even after I settled my account to try and rectify my repossession. I disputed the inaccuracy of this credit reporting numerous times and santander is yet to thoroughly investigate it or correct it to this date I have XXXX 90 day late payments on an account that I never even had XXXX causing my credit denials and unfair interest rates due to the eccessiveness of the derogatory history that 's reporting. 
I have proof of these allegations on demand for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: VA

Complaint narrative:
In XXXX XXXX Santander Consumer Usa purchased a car loan from XXXX for me on a XXXX XXXX. I made every payment on this vehicle to them until my car was refinanced by XXXX XXXX XXXX XXXX on XXXX XXXX, XXXX and receiving the tiltle to this vehicle on XXXX XXXX XXXX In XXXX XXXX this company Santander Usa starting reporting derogatory payment history to the bureau and i know longer had the car it took me to XXXX to get this corrected but it has impacted my credit report a great deal by reporting it as A charge off account paid for a less amount. My loan with them was for XXXX and at the time it was purchased from XXXX the pay off for the vehicle was XXXX and it was paid and title was received. what is hindering me is this account is labled as a charge off and it was never a charge off. I have attached all the documents for this loan including the title that was given on XXXX/XXXX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
Debt is orig from apartment complex XXXX XXXX in XXXX, XXXX ( under XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX ). I never received a bill from townhome upon vacating, even though I left forwarding address. I did not know about bill until 3 years later until my mother started to get calls from PDM, so was unable to dispute charges to original debtor. 
Charged : {$120.00} for cleaning {$150.00} for trash out food/refrig baby bed {$11.00} for autochrg {$130.00} for " Bal of 15 Day Notice '' Per lease, premises were left in original condition than move-in. Upon move-in, office staff informed me that they had not had a chance to clean yet, and gave me a can of oven cleaner. Bathrooms had not been cleaned, floors had not been mopped. Upon move out, I cleaned all rooms, vacuumed, mopped all areas. There may have been some dirt from moved furniture, but absolutely not {$270.00} worth of cleaning. I did leave a crib in one bedroom, but had told mgmt that I would in case another tenant wanted it, as it was still in good condition and many people in the community were low-income. She said, " That 's so generous of you '' ; did not mention that I would be charged for someone to remove it from the room and give away/ throw away, if that 's what they did with it. 
PDM did not remit hourly wage and hours spent cleaning to justify such a large bill. 
" 15 day notice '' charge is not in lease ; I was on a month-to-month lease when I moved out, so did not owe add'l funds, as can be seen on " $ XXXX month-to-month '' charge on bill. 

When I told PDM that I wanted to dispute the charges, they immediately said that I should have done a walk-through with mgmt. Mgmt did not request a walk-through, I was never told about this requirement. Not sure if this nullifies my rights, but I do at least think that I should be given itemized bill of how they spent {$270.00} to clean the apartment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: DC

Complaint narrative:
I leased a vehicle through XXXX and Santander Consumer USA is the lessee As an XXXX driver I the agreement is to make weekly payments with the proceeds from XXXX trips that will be paid directly by XXXX technologies. 
The method of payment agreed upon by Santander Consumer USA is to have the payments for the car deducted from my uber account every week. 
I missed a few payments and the car was repossed leaving no way to work or pay the money owed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
good morning my name is XXXX XXXX my loan number with chase bank is XXXX for the property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXXsince XX/XX/XXXX i been working with chase bank to do a short sale on my invested property locate at XXXX XXXX XXXX XXXX XXXX, PA XXXX. As i explain on my hardship Letter and i proved with my Financial statements and tax return i cant not longer continuum doing the payments for this property due to income reduced and lack of funds i will attached copy of the hardship letter at this time i am 4 months late on my payments in the past 3 years i invest about {$62.00} to remodel this house do to a Tenant vandalize the property .. i have all the receipts XXXX XXXX , windows, electric box roof kitchen and more we do n't have any more money to contribute to this property the house has been on the market for sale for over 1 year at a price of {$52.00} Note my balance due on this loan is {$51000.00} for that reason i cant put this house on the market for less money Since XXXX we have received. XXXX strong offer as cash for short sale on the amount of {$34.00} the bank appraisal came to a value of {$27.00} much less that the offer my total income declare on my tax XX/XX/XXXX was {$32000.00} a yearmy income is about {$2600.00} a month and my house expenses a month are about {$6200.00} with out counting the business expenses since i am self employee and my income is based on Commissions. on XX/XX/XXXX the bank negotiator name XXXX XXXX send an email to my realtor XXXX XXXX with a short words saying that the short sale was dined not explanations i call a supervise and he told me the reason of denied is i have to much income?? they are using a wrong calculation of my profit and loss and they refused to explain how they come on with the calculation XXXX told my realtor Quote : please tell your client not to call me i do n't want to talk to then i will communicate via email for any questions i am attaching the letter of my income explanation for you to review .and i would like some action to be taking to XXXX XXXX for not been working with ethic for customers and never return a phone call to us we are 100 % sure the reason of the bank denial is because XXXX XXXX XXXX XXXX not doing a good work on this loan the lack of communication with the clients the Nasty attitude to my realtor and my self is coming to the conclusion that she is not working to help Customer interest but only the bank interest. our gold is to short sale this property since we cant do any more paymentsmy email is XXXXXXXXXXXX my phone is XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
Santander is violating the Fair Credit Reporting Act in many ways and they are causing serious harm and damage to my credit as a result of their inaccurate reporting. 

The information they are reporting on XXXX and XXXX is inconsistent and should not be tolerated. 

1. They are reporting XXXX different addresses on the credit report. The address on XXXX is for the first payment, before the deal is funded. The address on XXXX ( once Googled ) does not link to any Santander dealership. I see places with XXXX XXXX, but not XXXX XXXX as is reported on XXXX. 

2. They are reporting different late payments on the credit report. XXXX is reporting Repossession as of XXXX XXXX ; 90 days past due as of XXXX XXXX ; 60 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX to XXXX XXXX and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX. While XXXX is reporting 60 days past due as of XXXX XXXX and XXXX XXXX ; and 30 days past due as of XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX. How can there be such a huge difference in the way the late payments are being reported? This is totally inaccurate. 

According to the Federal Trade Commission, it is illegal and against the Fair Credit Reporting Act to report inaccurate information to the credit bureaus once it is brought to the attention that it is inaccurate. 

Furthermore, you failed to mark this account that it was disputed as a result of my dispute sent to you and the credit bureaus. Which leads me to believe, a real investigation was not complete.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
I bought a XXXX Dodge Ram XXXX at a used car dealership in XXXX VA in XXXX. The Initial loan was for XXXX dollars and financed through XXXX XXXX auto. I was young at the time and accepted the high Interest rate due to High pressure sales tactics used by the dealership. I thought I would be ok but I was outside of my means financially. Even though I made all my payments some were late about 2 years into my loan the finance company was Bought out by Santander. After 6 years of making payments they claimed that I owed them XXXX dollars. I explained that that was more than the initial loan they responded that since my payments were late it was all going to interest instead of the principal. I told them I was in the military and that the truck barely runs and pleaded to make some kind of deal they dropped my interest rate down to XXXX percent and I have been making more than the minimum payment well ahead of schedule from then on. Currently my balance is now just over XXXX dollars. I have paid almost XXXX dollars for a XXXX used truck and to say the least its been a huge burden in my life. I sought out legal help and was told there is nothing they can do I tried to contact the company and make several deals and was turned away. Granted this was a great learning experience for me financially but I still think I am being treated unfairly. When I asked them to send me the original loan details and payment history they sent me someone else 's information my argument with the company is that how do I know that mistakes have n't been made on my account if they cant even send me the correct information the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Green Square Company LLC.
State: AL

Complaint narrative:
we keep getting calls saying we owe a loan that we didnt even take out and that this company was going to take us to court and seek other damages and they call at all times of the day and nite and i told them just try and see what happens they have tried this in months past and we have caller ID so we dont answer the call and they quit for awhile and now it has started back and it comes from a XXXX #

Company response to consumer: Closed
Consumer complaint received 2016-09-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
Santander USA calls me every day and on at 3 occasions they did not leave a message. On XX/XX/2016 I received a phone call on my cell phone while I was at work, I advised the agent that I can only take calls that are considered to be an emergency. He states this is an emergency but a past due bill is not. He states to call them back, but the fact that an agent on XX/XX/2016 at apprx XXXX from phone XXXX lied and I advised him I could lose my job if I have to stop doing my work to answer calls. A past due bill is not an emergency but I had an important phone call back XX/XX/XXXX when my aunt passed away which was an actual emergency. I could lose my job over this. I have spoken with a few people that advised me that Santander USA has did this to them also. I also asked for help to move one payment to the end of the loan but I was told I would have to wait until I made 6 payments to do that. I am on the process of changing banks because I am having fraud issues with my former bank, I was notified they will not honor any more payments. I am willing to make 1 payment on XX/XX/2016 but I need 1 or 2 payments put on the backend of the loan until I get this matter straightened out. Santander should not use scare tactics to get people to talk to them, I also want late fees and any credit reporting removed from my credit report. What they are doing is illegal because the agent yesterday claimed this was an emergency which was not. I have the recorded call as proof as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Lazega & Johanson LLC
State: GA

Complaint narrative:
I made a payment on debt with account number. Payment was applied to another account. I was then told that If I did not make another payment garnishment process would continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: CREDIT ACCEPTANCE CORPORATION
State: LA

Complaint narrative:
I had an account with Credit Acceptance the vehicle was repossessed in XXXX. The balance was paid via settlement back in XXXX XXXX. The company agreed to the payment and accepted it. Since I paid them. They have been reporting inaccurate information on my credit report. They refuse to return my calls. They are now reporting a made up collection balance that I do not owe and maliciously messing my credit up. I have no recourse but to beg for your assistance.

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 2016-03-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Debt Mediation, Inc.
State: TX

Complaint narrative:
I contacted this collection agency after viewing a collections account I was unaware of on my credit report. I explained the situation and stated that I was not interested in negotiating but rather would pay in full, pending receipt of notice that the account would be deleted from my credit report. The agency told me that the apartment complex who sold them the debt would have to remove it from my report. After speaking to the apartment complex and credit bureaus and finding this information to be incorrect, I called the collection agency back and explained the situation. I asked the agent to mail me the afformentioned letter, but he was pushing to have the account paid TODAY, which I understand as sales person is a common sales tactic, and likely the only way he will personally yield a commission from my payment. I explained to him that I was the one contacting them and I was interested in paying once I received the letter, regardless of whether it was hand delivered today or I got it next week ... He IMMEDIATELY raised his voice, started talking over me, became very unprofessional in his tone and demeanor and began threatening to take legal action against for for " attempting to barter ... '' Which from what I understand is not only not illegal, but I 'm also not bartering as I legitimately NEVER received a bill for this unknown debt ( charges for an old apartment following a move out ) and only know of it from accessing my credit report. Again, I CALLED, with FULL WILLINGNESS to PAY IN FULL, and was countered with abusive language and lack of professionalism.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: NC

Complaint narrative:
My complaint is against Ford Credit of XXXX XXXX XXXX in XXXX, XXXX. In XXXX 2012 I purchased a car from the XXXX XXXX in XXXX, XXXX. Only a month later I lost a job I had at XXXX for 22 years. I tried working through the XXXX Car dealership where I bought the Audi TT. I took the car to numerous other dealerships in the XXXX area. Nothing worked and my job was terminated by XX/XX/2012. I contacted Ford Credit and turned the Audi in to the dealership where I purchased it. Ford eventually sold the car at an auction and sent me a letter expecting me to pay the amount of difference between the amount I bought the car for and what it sold for at an auction, $ XXXX-XXXX. Since this time Ford and their surrogate debt collector agency, XXXX XXXX of XXXX have hounded me by letter, phone calls and law enforcement visits for four years. I feel that Ford Credit and XXXX XXXX XXXX have treated me unfairly. They have involved my elderly parents in their harassment. My mother is very sick with XXXX. I do not think that I should pay for a car I kept for only weeks, especially when Ford and the dealership were unwilling to help me return/sell the car. I retired after losing my job and have been honest with my creditors. I am filing a complaint as Ford Credit and XXXX XXXX continue to pursue me, harassing me some four years after the car left my possession. Please forward my complaint to Ford Credit and make it available for other consumers to read.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Creditor's Collection Service, Inc.
State: NC

Complaint narrative:
I have received numerous calls from ( XXXX ) XXXX and ( XXXX ) XXXX, both of which belong to Creditors Collection Service. However, I only know that because I searched the numbers online. The calls to my phone either do no leave a message, or the message is a recording of a man leaving only the phone number ( XXXX ) XXXX. He does not say anything else in the message. I have records of nine calls since XXXX/XXXX/2016, but there were more before those.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Columbia Recovery Group LLC
State: WA

Complaint narrative:
I was contacted by Colombia Recovery Group of XXXX, WA on Tuesday, XXXX XXXX at XXXX about a debt that I do owe but am unable to pay. I explained to the man who called that I had just lost my employment security funds for going to school, which meant my spouse and I are now out {$1500.00} a month. His response to this was to threaten wage garnishment, stating that it was " his next legal option ''. I searched the Washington State page for people with judgements against them, and neither my wife or myself have any judgements against us from anyone at all. It is my feeling that Colombia Recovery Group threatened me with legal action to illicit a payment by fear of being sued when they have no such suit against us. This account when to collections in XXXX and I 've only received XXXX letter/bill and XXXX phone calls, and their next step is making threats, which is grossly inappropriate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Mid-Michigan Collection Bureau
State: MI

Complaint narrative:
They placed a collection on my credit report of XXXX office copay. 
My ex wife paid the copay when she got the bill. 
My ex wife took my daughter to hospital. 
I had no idea about the copay. BUT they placed a delinquency on my credit report without verifying the debt. They placed a XXXX collection. My wife paid it directly to the hospital after she got the bill. 
But they are harassing me the collection company and refused to remove the collection from credit report 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 2017-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Professional Debt Mediation, Inc.
State: SC

Complaint narrative:
There is a collection that I have disputed several times and I do not owe them a penny. I love right now in XXXX XXXX apartments. I need help

Company response to consumer: Closed with explanation