vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
I hsve just been informed that I have wage garnishments now. I was not informed or properly served about the lawsuit even though they claim they served me. Anytime I have tried to talk to them about this all they will say is that they noted it in my account. I will have to be the one to fix it with a lawyer. This does not sound lefal. They are called wakefield and associates

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
This dispute is in reference to a previous case # XXXX I filed with you and received a response from the SLS. Please review the document they sent you dated XXXX. In the response sent you on XXXX/XXXX/2015 SLs states that my XXXX payment in the amount of XXXX is still due and this is correct. They also state later in the correspondence that the effective date was moved to XXXX/XXXX/2015. I paid my payment of XXXX to SLS and they are showing receipt but have not applied to my loan. I have also completed the paper for a assistance, mainly a forbearance for my mortgage. I believe these actions of delay are intentional. I also believe I am being discriminated against and their purpose is to make me lose my home by delaying processing on my mortage. I am asking for assistance in the matter. Please forward the the company please. My loan number is XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
I have had continuing problems with this ( " Servicer '' ), this time I was told to submit the same documents over again with everything being within the last 90 days. Ok, now this was to be done ( " No Later Than " ) XXXX/XXXX/XXXX, when I went online and realized they had n't received my fax from my neighbors house on XXXX/XXXX/XXXX, I rushed to email again, to make sure they had everything needed, and have email receipts I 've saved copies of now too. Well all their paperwork states that as long as they have the " request '' - " No Later Than '' XXXX/XXXX/XXXX, they will not move toward a foreclosure sale, but yet did anyway. When questioned about it, the person assigned to my case said their attorney must have accidentally done that and apologized, but yet only put a week extension on sale instead of postponing till they have my XXXX piece of paper, that all this time failed to make me understand what they were looking for- had to be ( mailed ) to me from I.R.S. , then faxed or emailed to them. I would like them to honor what XXXX XXXX XXXX said my trial payments would be when modification went through, cause that is exactly the help we needed, they dropped the ball, cashed in again, and changed to an affiliate servicer ( out of state ) ( which makes it really hard ) .I also called XXXX XXXX XXXX XXXX the little known truth about " We The People '' have the right to pay " Ourselves '' back at 0 % interest, and they said " Yes Sir '' " We will honor that Sir '', and count the XXXX dollars we have already paid down on the debt, especially being an attorney pointed out that XX/XX/XXXX, the insurance was cashed in, and the actual " Debt '' was paid off, and they are trying to collect twice on " The Debt '', all they said was " What do you want us to do Sir ''. Well we do still owe XXXX dollars on loan, XXXX XXXX XXXX mysteriously within a week or so sent me paperwork with {$61000.00} and the " Modification would be based on paying " That '' off. Now whats really going on? Excuse me????? I want the help they said it would be XX/XX/XXXX Now Please, Thank You. No more excuses with supposed XXXX XXXX, sent XXXX different ways and times, including " XXXX '', They have had what is needed and they are " Non-Compliant ''. Also, they continually ask for the same XXXX form? Why?????

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 2017-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MS

Complaint narrative:
In bankruptcy our home mortgage was assigned to SLS. I have made XXXX payments and am only due for XX/XX/2017. They have us with 90 days behind. They sent us the forbearance letter. I asked for help due to my brother 's XXXX. I have total care for him 24 hours per day. For a short time I ca n't work out of the home. They filed a motion 4 days later to take our home. The average wait time to speak with someone is 45 minutes on hold. Everytime we speak there is another excuse. We are not 90 days behind and will attach the proof.

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 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
On XXXX separate occasions, my mortgage payment was submitted to Specialized Loan Servicing ( " SLS '' ), utilizing their only designated third-party vendor for whom they claim no responsibility nor liability therefor, where your payment information is stored from the prior submission, and somehow two weeks or more later you receive notification from SLS that the " account '' was not found. I have had the same checking account number with the same bank for over fifteen years and until dealing with SLS, I have never had a payment returned for any reason. This time, the payment was attempted to be made from XXXX XXXX to XXXX XXXX when their online payment option was actually working. The error message merely stated that it was " unavailable ''. Even when you call SLS to make a payment over the phone, they automatically refer you to their party vendor. How can XXXX XXXX XXXX be allowed to service-transfer their loans to a servicer who has such an inadequate payment option available - you ca n't even schedule a payment for a future date - only the date you actually find the online payment option available and working. 
XXXX 's payment was made on XXXX XXXX and a confirmation was received. Then on Saturday, XXXX XXXX, I receive a letter from SLS dated XXXX/XXXX/XXXX but not postmarked until XXXX/XXXX/XXXX and no received until XXXX/XXXX/XXXX. This totally antiquated and insufficient handling of payments has damaged my credit over and over again and now I am told I have to submit a cashiers ' check for the payment when it was their error that they did n't collect the funds on the XXXX of XXXX. How can this servicer be allowed to handle mortgage payments in such a manner?

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 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XXXX XXXX, 2015 an employee of the Banco Popular de PR 's Consumer Credits Services Division called to my employer phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of a personal loan. 

The name of the employee is XXXX XXXX and he identified himself to the receptionit as an employee of Banco Popular. 

The same date, I wrote the enclosed letter to the bank ( Banco Popular de PR - Consumer Credit Services Division, XXXX XXXX XXXX, XXXX XXXX PR ) notifying that that any debt collection call should be made to my cellular phone ( that already they have ) because my employer prohibit the origination and receiving of personal phone calls during duty hours and, they were calling me for a personal matter. 

A few days later, a supervisor of such division contacted me by phone to confirm that he had receipt my letter and provide appropriate apologies for XXXX XXXX 's actions. He also committed, in the name of the bank, to take my request in consideration on the future. 

However, today XXXX XXXX, 2015, XXXX XXXX XXXX XXXX, without first trying to contact me in my cell phone, called again to my employer 's phone number requesting to talk with me related to the payment of a " just a few days late '' monthly payment of the same personal loan. He directly identified himself as an employer of Banco Popular and use a phone number ( XXXX ) that many people in XXXX XXXX recognized as the Banco Popular 's Collections Office phone number. So, the receptionist again recognized this phone call as a debt collection call and for a second occasion, no matter my XXXX XXXX, 2015 request, the collecting bank disclosure to a third party, not related to the business relation between the bank and I, that I own money and are late in my payments. This actions definitively affect my image and reputation in front of my employer and other co-workers.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Fairway Independent Mortgage Corporation
State: NY

Complaint narrative:
I XXXX from XXXX on XXXX XXXX, 2015 after 26 years of employment. 
Prior to our retirement, my wife and I decided to buy a home in the state of Georgia. 

In preparation, we saved more than XXXX % for down payment on a {$310000.00} house. We both have excellent credit ( FICO scores ranging from XXXX-XXXX ), my wife receives {$2000.00} monthly Social Security payment ; I receive bi-weekly compensation of XXXX. In addition, we have a combined XXXX in 401K, and I will get an annual pension of at least {$31000.00} starting on XXXX 2015. 

Now that we are in the process of getting a mortgage, lenders are advising me that they can not use my current compensation as income due to XXXX regulations which require income for three years. When I advised them that I will have a pension in XXXX, following the termination of my compensation, in XXXX, they said that I have to show an actual pension check. 

Here is the situation, during my years of service with XXXX, I accrued more than 500 hours of XXXX, and over 1200 hours of XXXX of which I will be compensated for XXXX. Unlike management employees, XXXX does not pay a lump sum to its union employees for accrued leave at separation. Instead, I will remain on the payroll until XXXX XXXX, 2015 when both XXXX and XXXX are exhausted, at which time my pension will start. 

To satisfy the XXXX : XXXX : Other Sources of Income ( XXXX/XXXX/2015 ) Verification of Retirement and Pension Income : Document regular and continued receipt of the income, as verified by letters from the organizations providing the income, I provided the lenders with a copy of the letter from XXXX ( XXXX XXXX XXXX XXXX ) advising that my hypothetical retirement date is XXXX XXXX, 2015, at which time I will begin to receive my pension distribution of no less that {$31000.00} per year, depending on the option I chose. 

The mortgage product that we are seeking is a 15 year fixed, with XXXX % down payment. Instead, XXXX lenders, using the XXXX regulations, advise that they can only provide a 30 year fixed mortgage to us since my current income, which will end XXXX XXXX, 2015, and my pension income which will start in XXXX 2015, can not be used. A XXXX lender is willing to use my pension income to give us a 15 year fixed, the product that we want. 

This leaves us with doubts about the whole mortgage financing system. We now wonder which lender is right. Or is the Fannie Mae regulation being misinterpreted. We can not understand how a person who has excellent credit, more than a XXXX % down payment, who worked for 26 years with the same employer, and who will receive a pension be denied the mortgage product of choice. Please, someone help us understand this.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
XXXX XXXX is attempting to collect a debt that is over 7 years old by contending the close date was XXXX when in fact is was in XXXX. A typical tactic from a collection company to change the dates on a debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: KY

Complaint narrative:
I have a store credit card with Walmart. Several months ago, I had a balance, but because I was about XXXX days late, they took about half of the amount as a late fee, instead of charging it to my account. This month I went over my balance XXXX {$2400.00} XXXX by {$53.00} and change, and got a payment due of about {$170.00}. If I had not gone over, my payment would have been {$68.00}. I do n't think they should be allowed to charge the consumer like this. I sent an email for an explanation of why they charge like this, but so far no answer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I made a payment to XXXX of my store cards while speaking with a representative. She confirmed the payment and said that it successfully posted only to learn a month later, she 'd transposed a number. The payment never posted and I never got any notification. Her error resulted in them closing my account. The company acknowledged the mistake, promised to research and fix the problem but never did. Months after, I made a autodraft payment arrangement to clear the debt. Only XXXX payment posted and now the debt has been sold to a collection agency with additional fees on the debt.

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 2015-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My JCPenney account has been frozen, I am being charged a monthly & a late fee. I pay more than the minimum monthly amount to help cover the " late fee '' and am charged an additional late fee every month. The minimum amount due monthly is {$25.00}, I pay {$40.00} dollars and am on a very limited, tight budget so can only pay an additional $ XXXX monthly for a life insurance policy. Every month I pay a little extra as I can afford it in an attempt to reduce the overall balance. In addition, JCpenney charges me a {$35.00} late fee which is added monthly. As of XXXX 2015, the total amount charged to me by JCPenney is over {$500.00}. Their claims department calls me early in the morning regularly and multiple times daily. The new minimum amount is {$86.00} which I am not able to pay. I would like to know if it is legal for them to add late fees to late fees when I have been making payments, even an amount less than they would like.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-27 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
After receiving my credit card statement I had noticed a charge on there for a XXXX in Illinois. Since I have not left New York in years and no one has used my card except for me I was very confused by the charge. I had called Synchrony Bank ( Toys R Us Credit Card ) they had said they would investigate. I later received a letter in the mail stating that I must have traveled to Illinois and used my card there as there was a signature used with it and that it was not fraud?!? I also separately received a letter letting me know that my card number was probably leaked at XXXX and to be on the look out for fraudulent charges!!! In fact XXXX had called my son around the same time telling him that his entire XXXX card was cloned including the microchips on it! And the last place he had used it was the XXXX XXXX XXXX and XXXX, same as me! I called back into synchronicity bank where they proceeded to call me a liar that I must have traveled hundreds of miles or that someone I know must have. This is complete XXXX. I then had to have my son help me call back and with his help they reopened the case. But yet again I got another letter calling me a liar that I somehow drove XXXX of miles to Illinois to visit a XXXX. This company is a complete piece of XXXX! They claim to have fraud protection when they are a bunch of bullies calling me, a XXXX year old woman who needs to use XXXX a liar. I plan on writing to the XXXX, XXXX and XXXX news about this horrible credit card company if this is not resolved!

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 2015-06-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
Barclaycards wanted to verify my identity after I made a large purchase attempt with my Barclay Arrival Plus credit card. They demanded some very sensitive documentations, e.g. copies of SSN card, driver 's license to be sent. I sent those documentations to the address they provided and have n't heard from them for 35 days. I called in multiple times to try to solve this problem. But their customer relation team just rudely denied any alternatives and kept suspending my account. I tried to jump out of this frustrating mess by paying off all the balance on the account. And yes, they allowed me to pay them while keeping me from charging them. They are even going to charge the annual fee for the card that I ca n't use because they did n't allow a suspended account to be closed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-05 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
I opened a savings account with Barclays US on XXXX/XXXX/2016 and made an initial deposit of {$1000.00}. I authorized the money from the account to be transferred from my XXXX XXXX Account. After opening the account, I established and verified an external transfer with XXXX XXXX Checking. Since this date I have been accruing interest in the savings account but have not transferred additional money. On XXXX/XXXX/2016, I requested to transfer a portion of the funds to my XXXX account. I was informed that my account was on " hold '' due to failure to verify the source of the deposit and no withdrawals could be made. I called customer service and spoke with a supervisor. She informed me that because I did not establish an external transfer relationship with the account where the funds were initially received, I could not have access to the funds at all. I also was informed that there was no other recourse since this bank operates completely online. She also refused to allow me to close this savings account and have the funds returned to the source without interest. I believe that I met the Terms & Conditions of the account service by establishing an external account relationship with the bank where the funds were initially transferred, which has the same routing number. I provided proof of identify when I authorized the initial transfer of funds from XXXX and Barclays inherently acknowledges that the funds came from an appropriate source by accepting the funds and providing interest on the account for the past five months. Barclays has not contacted me by phone or mail to inform me of any concern with my account and will not release the funds unless I verify the initial account through test deposits, which will take several days to accomplished. I am extremely concerned that Barclays has withdrawn money that I authorized, has had custody of my funds for five months, but now refuses to release these funds to me. According to the Terms & Conditions, this Dream Savings account does not require a minimum initial deposit and only requires a minimum amount for {$0.00} to be accured in interest each month. There is no reason why I should not have immediate access to my funds as an account holder and if there was a concern, the initial deposit should have been returned and the account closed after 5 business days.

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 2016-09-16 00:00:00
Product: Credit card — 
Issue: Cash advance — 
Company: SYNCHRONY FINANCIAL
State: WY

Complaint narrative:
On XXXX/XXXX/2016 PayPal Extras Master Card declined XXXX cash advance transactions, but then charged me for them anyway. They refuse to reverse the charges unless I produce a receipt- which I do not have because I have never had a credit card company charge me for a transaction THEY declined.

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 2017-01-23 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XXXX/XXXX/16 I purchased a {$100.00} Walmart Gift Card at Walmart, XXXX, NJ on my Walmart Credit Card. I mailed the Gift Card and receipt to a family member in Pennsylvania. 
They tried to use the giftcard on XXXX/XXXX/16 and was told they was " XXXX '' on the card. 
It was investigated and found the giftcard was used on XXXX/XXXX/16 at another Walmart, XXXX, NJ. I contacted Walmart XXXX to ask for help. I asked the family member to return the giftcard and receipt. Corporate had me go back to the Walmart XXXX NJ to speak to the store manager. After a 2 hour store investigation they said there was nothing that could be done to get my {$100.00} back. It appears the giftcard was hacked. I contacted Walmart XXXX several time and was redirected to different departments, with no resolution.

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