vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: CENDERA FUNDING, INC.
State: TX

Complaint narrative:
We have had several issues with Cendera Funding throughout our mortgage process. The fees associated with the loan are in dispute because according to a VA loan certain fees are unallowable if the lender charges 1 % origination fee but the loan officer tried to add them in saying that the seller has to pay them. We have not received any copies of our signed paperwork 25 days after signing them ( fee sheet, GFE, TIL, etc ... ). I even went to their corporate office and spoke to XXXX XXXX, my wife talked to XXXX XXXX at this same time ( Senior VP ), and this only escalated the rudeness and hostility from the loan officer. When asking questions and highlighting things that are questionable fees ( I only received a fee sheet after going to the corporate office ) I do not expect the company to make the situation more hostile. The executive my wife talked to said the fees were only estimates and I would find out the true costs in the HUD-1. This is deceptive because at the time you see the HUD-1 you have no time left to rebut them without delaying the buying a process. In addition they have failed to update the VA with information during the appraisal process which is now pushing the loans past the closing date ( we can not get the lender to give us any information about it and the VA has n't gotten a response from the lender in over a week since their last request ). The loan officer failed to lock in the rate for the loan and it increased over that 2 week period. Since we complained about the fees we have only been brushed off by the company and talking to them only makes the situation worse. I assume they are trying to tank the loan process so they can still receive the application fees while not having to fulfill the loan after the complaints. If we lose the house because of delays we will lose about {$3000.00} in fees. Every day past XXXX XXXX is costing us to store household goods and temporary living expenses until we can find a permanent residence.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
1. On XXXX/XXXX/2015 I did use a credit card to pay XXXX XXXX XXXX for {$2100.00}. The credit card was insured by Capital One Co. 
2. On XXXX/XXXX/2015, I found XXXX XXXX XXXX are cheating me for {$2100.00}. Please see consumer complaint case no XXXX XXXX of State of Hawaii. 
3. On XXXX, I called Capital One to dispute the charge of {$2100.00}. The Capital One dispute department not take their responsibilities to stop the charge of {$2100.00}. After few months, The Capital One still asked me to pay {$2100.00} and plus interests etc on my credit card which insured by Capital One Co. I think as a credit card provider, Capital One have the rights to protect their customer when a disputer case happened. 
4. On XXXX/XXXX/2015, Capital one send a letter to me that said They are not able to get {$2100.00} back to me. 
5. At this point, I am asking Government organization or consumer protection to investigate such case : Is Capital One really protected their customer? 
6. If Capital One is not able to protect their customers, why we need such credit card? 
7. I hope The Capital One is not related with XXXX to charged me {$2100.00}? 
8. I dispute the charges and related interests! 
I also did send this complaint to state of Hawaii and Utah.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
My Home equity line of credit matured a little over 2 years ago. I have asked numerous times for the bank to term out the balance so i could pay them back over a period of time understanding that i would pay principal and interest. I continued to make payments for approximately 2 years. My payments are almost always on time or before the due date. 
About 3 months ago they started sending back my payments and sent me a letter saying my only option was to pay off the balance in full at this time. I asked for the balance and payoff and it seemed reasonable since i had continued to make payments in amounts greater than the interest monthly that showed on my statements. Now they send me a balance owed of over {$10000.00} in additional interest and the principal balance that appears to be that which it was more than 2 years ago??? I can not reach a manager to get any explanation of how this could be nor can i get anyone to agree to term out my payments of principal and interest once i get an agreement on the correct balance owed??? Please help me get to someone who can answer these questions and clearly discuss my option to repay this within my ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Re : case # XXXX Capital One agreed to a settlement amount on XXXX XXXX in the amount of {$850.00} This amount was paid in full to the recovery department on XX/XX/2015I spoke to XXXX XXXX on XXXX XXXX, 2015, and explained to her that Cap One is still showing a balance of {$120.00} on my credit reports for this account.The settlement as stated in the agreement was to report a zero balance after paying the {$850.00} I have asked that this be reported correctly today, as their inaccurate reporting is affecting my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I made 2 payments 1 ) XX/XX/2016 {$570.00} 2 ) XX/XX/2016 {$570.00} Capital one made balance adjustment on XX/XX/XXXX of a total {$1100.00} I asked to open a case on XX/XX/2016 XXXX ( supervisor ) acknowledging the payments did come from me, refused to open a case talking about misapplied payments to another account holder. I told XXXX I was contacting consumer finance

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On Tuesday, XX/XX/XXXX I deposited a check from my attorney ( An attorney trust account check ) into my personal checking account at the ATM at Capital One on XXXX. XXXX XXXX, XXXX, NJ for {$96000.00} drawn on XXXX XXXX. The check ( photo copy ) was returned by Capital One via XXXX on XXXX XXXX and not received by me until Monday, XX/XX/XXXX claiming that the check required proof for the second individual payee ( although that branch had the second individual 's signature on file ). On XXXX XXXX we BOTH went to the branch to provide the proof they already had ( and knew us personally for years ) to re-deposit the check. AFTER which they handed me a notice that Capital One Bank will hold over half of the funds for 7 ( seven ) days until XX/XX/XXXX. 
The check was NOT returned by XXXX for any reason rather internally by Capital One. The clear intent is to hold my funds unnecessarily against a customer that also has a {$10000.00} credit line for overdraft protection so that they can use the " float '' to their advantage and against me! Again, it took them from XXXX XXXX to XXXX XXXX to notice me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
XX/XX/2016 I was in dire need of a vehicle. I was 7 months pregnant and could not get approved for any loan. In an act of desperation, I applied to Roadloans, a subsidiary of Santander Consumer and to my surprise I was approved. After a long process of narrowing down a dealer, I was told to go to XXXX by Roadloans, because as I was told " they worked closely together and were familiar with each others practices. I went in chose my vehicle and signed the paperwork. During this process I was given what I was told would be the terms of my loan prior to me agreeing to finish the process. I knew the interest rate would be unreasonably high and that I had no down payment however with the information they provided me, I was able to calculate the vehicles cost, taxes, titles and fees along with the interest rate so that I would have a monthly payment I could be comfortable with and eventually, I could refinance my auto loan for a better rate, I expressed my concerns multiple times to both companies and was reassured that they would follow the terms of my paperwork and that my calculations would be correct. 

Once I filled out the paperwork and " purchased my vehicle '', I was informed that I had a 5 day return policy on the Vehicle. Following the closing of this sale, I was never given any paperwork or contacted during this period by Santander/ Roadloans regarding my loan or verifying the terms of my agreement. Imagine my horror when weeks later, after it was past the point of return, I received paper word from Santander stating that my loan was much higher than what was presented to me. I called to inquire about this and was told that the company later add features to my financing contract such as the Gap insurance. I asked why I was no informed that this was an additional charge prior to me agreeing to the terms, and why was I not allowed to pay for said feature upfront. I received no explanation. Also the cost of my vehicle seem to sky rocket up an additional XXXX not including taxes or fees. 

Because of this unethical practice, I am now stuck upside down with a car loan that no one will refinance. My car payment is ridiculously high and and about XXXX % of my monthly payment goes to the interest. This is ridiculously unfair. Because I was never given the actual terms by Roadloans/Santander during the days following my purchase, I was unable to return my vehicle and walk away from this fraudulent deal. If I could do this process all over again, I would have never trusted this company and would have never signed the next 6 years of my life paying almost double for a car that is not worth half.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Benuck & Rainey, Inc.
State: MA

Complaint narrative:
I spoke with a representative at XXXX because person by the name of XXXX called my XXXX year old mother and asked if I live there. My mother, who has XXXX, said yes and he gave her his information to call him. He called XX/XX/XXXX to tell my mother I had an outstanding debt of {$110.00}. When I got home one night at the beginning of the month she stated that she gave someone her credit card to pay this debt. I did not put two and two together till this morning. When I contacted them at XXXX and requested XXXX , a young lady answered the phone and when I explained the situation and she could not help me I asked for a supervisor. It was at this time I realized what was happening. This supervisor by the name of XXXX, XXXX??? I 'm sorry I ca n't remember ... maybe XXXX or XXXX ... she told me that she spoke with me, on XXXX XXXX, and I told her that she should call my mother, I apparently gave this debt collector my XXXX year old mother 's name and she would pay the bill. It was then I realzed my mother gave them her credit card number to pay them XXXX on XXXX XXXX. I never, ever spoke to this women and I believe they lied to her, scammed her and here we are today. I can pull my phone records to prove I never spoke to this supervisor. I can also tell you the young lady I spoke was XXXX and the other rep was XXXX and I know XXXX knows the supervsors name. The reason the debt was never paid on XX/XX/2016 is because my mom must have transposed a number because the pmt did not got through. They sent me an email saying they had a problem with the card however I deleted it because I had no idea what they were referring to until this morning when I put it all together..NOW THAT 'S KARMA..just saying ...

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
I am making payments on my.car and found out though my credit report they are not on their along with my other creditors.So i just need to know what to do about this matter.They are not reporting my payments to the credit bureau. 
:

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: FL

Complaint narrative:
In XXXX, I obtained a copy of my credit report from the XXXX Credit Bureaus, I reviewed my account for accuracy and noticed an account from Santander that I did not recognize. I sent a certified letter on XXXX XXXX, 2016 for which they signed for on XXXX XXXX, 2016. In the letter I requested proof bearing my signature. I have been traveling for the last month so I am not sure if Santander has responded to my request, however based on the FCRA once a consumer requests records it is the responsibility of of the Creditor to send notice to the credit bureaus that consumer is disputing the debt within 30 days. I have obtained copies of my credit reports and Santander has not updated my credit reports and have violated the FCRA and violated my rights. I do not owe this debt nor do I know what it is. Since they have not updated my report, legally they must remove this alleged debt from all XXXX credit reports. I do have evidence of this and have attached my reports. I will also be filing a small claims suite based on their response to my complaint. 

Please see attached for reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
I had a loan with XXXX XXXX on a car. Santander bought the loan I have had nothing but trouble since then, if I was late they charged huge fees and XXXX months ago my truck was repoed and taken XXXX miles away it cost me {$1000.00} to get there take off work and pay santander XXXX dollars, the loan they said was XXXX days past due but I know there was only XXXX XXXX XXXX I got it back they said they wanted {$900.00} more.I have the truck now and they are sendingme letters saying the loan is passed maturity and I owe them fees in the amount of {$3300.00} and it shows it to all be due now.I know there is no way I owe this and feel I have paid enough the loan started XXXX yrs ago. I dont have much money and it is unfair practices on there part I keep asking for them to show me how on a $ XXXX loan I could owe this and they never send printoutsPlease help me they prey on people that are poor and withouta car I cant work. I have gotten soooo mad and it is not good for my health

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: MD

Complaint narrative:
Santander had picked up my vehicle as a repossession due to non-payment. Within XXXX hours, I had picked my vehicle back up, paid all applicable fees to have It released to me and have not had any problems since. To date, the company still shows the account as charged off and rarely updates the balance due. I pay my regular note each month and they are still reporting as a charge off. According to the definition, a charge off is considered uncollectable debt. My biggest concern is that it should show an updated status versus charge off. Also, the lender may have written this debt off but collected the credits at year-end that came with the write off. Is n't this double jeopardy, especially if I have the vehicle and am still making payments?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Grant & Weber
State: AZ

Complaint narrative:
I called Grant & Weber and I told them I wanted to settle my debt which shows {$970.00} on my credit report, the agent started to tell me I was very irresponsible for not paying, told me I once called saying I was not going to pay anything and that my balance now was {$1500.00} that he was going to sue me and and at this point he was not going to give me a deal. He raised his voice and made me feel threatened and frustrated. I called to pay this debt and got insulted and treated really bad.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
In XXXX of 2016 my wallet was stolen. I filed a police report with my local law enforcement : XXXX Police Department. Soon thereafter my identity was used to acquired various accounts, namely a car loan at XXXX in XXXX CA. They opened an auto loan with Chrysler Capital. Once this was brought to my attention I immediately contacted the detective I was working with at the XXXX Police Department. The detective contacted the General Manager, XXXX at XXXX XXXX and after a thorough investigation it was deemed by the General Manger, XXXX at XXXX as well as the detective with the XXXX Police Department that this loan was in fact fraud. I am providing ALL documentation to evidence such. I have requested multiple times that XXXX Bureaus removed the Charge Off showing under my name with Chrysler Capital and XXXX Bureaus as well as Chrysler Capital are REFUSING to remove this fraudulent information which is preventing me from qualifying for a home loan and other type of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: Flagstar Bank, National Association
State: NY

Complaint narrative:
I am filing this complaint because I was in a accident while I was atleast XXXX XXXX or XXXX years old. Which a lawsuit was won against New York XXXX XXXX XXXX to be held in a ( CD ) Certificate of deposit account. Which this account was to be guarded by the New York Community bank upon the age I reach XXXX for {$8300.00} dollars that should have matured several times and also accumulated interest and I demand all the matured funds and at the highest amount of interest should be placed back in this account upon me recieving my funds. Well I turned XXXX and it was time to go and retrieve the money that is rightfully mines so I went about getting all of my legal documents to retrieve the money from the bank. I live with my Uncle who assists me with this matter and I give him all legal permission to communicate with all parties involved. Which who I took the trip with to Queens County Savings Bank to retrieve the money which was awarded to me. Now upon the arrival of me reaching the bank and speaking with a Financial Service Associate XXXX XXXX and XXXX XXXX the bank manager of the bank which informed us that the money was put in a Abandoned Property Account in 2011. Now according to the stipulations of the court official order which was handed down by the Judge who handled my case. I have been following and going by the right actions to get this matter handled as quickly as possible because for the simple fact I should not be punished from retrieving this money that is rightfully mines for this banks XXXX mistake while breaking the law and i am truly fed up with this matter. They are also very unprofessional at New York Community bank for not returning phone calls and was put on hold for no-one to return to the phone. I was also informed to call XXXX XXXX from the Abandoned Property Division of New York Community Bank which also never answered my phone calls and never returned my phone calls either. Just take note that I will also be filing a complaint to the Better Business Bureau and I also demand that this matter be resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
I have an auto loan with Santander that is behind, they are trying to repossess it which is understandable but the company they are using is harassing me and threatening me even though I told them I am at work and to not call me on my work phone anymore. They call me everyday multiply times a day. Today there have been at least XXXX calls from XXXX different numbers even though I asked them to stop calling me as I have no agreement with them. I am not sure what to do to make them stop calling me. I have no agreement with these people and even if I did I do not deserve the treatment I am receiving from them. I am thinking of calling the police.

Company response to consumer: Closed with explanation