BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-14
Company: BWW Law Group, LLC
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
This is a complaint against BWW Law Group which is a debt collector and as such is liable under the CFPB for it 's actions. 
I have submitted a complete application for a loan modification to the debt collector, BWW Law Group, on numerous occasions to the present. I have received letters dated XXXX XXXX, 2015, and XXXX XXXX, 2015, denying my application for a loan modification. I timely appealed the denial. To date, BWW Law Group has not responded to my appeal of the denial, and as such, no foreclosure sale date can be scheduled pursuant to the CFPB. 
Pursuant to 12 C.F.R. 1024.41 ( g ) ( 1 ), if a foreclosure action has already been filed and it is more than 37 days before a foreclosure sale, and the borrower submits a complete loss mitigation application, a servicer can not " move for a foreclosure judgment [ including a dispositive motion like a motion for default judgment, on the pleadings or summary judgment ] or order of sale or conduct a foreclosure sale until there has been a final outcome of the decision process for the loan modification. " The CFPB requires that the appeal must be reviewed by different personnel than those responsible for evaluating the borrower 's application. And, within 30 days of the borrower making an appeal, the servicer must provide a notice to the borrower stating the servicer 's determination of whether the servicer will offer the borrower a loss mitigation option based on the appeal. Id. at XXXX ( XXXX ). 
BWW Law Group, profoundly ignoring the CFPB, is dual-tracking me in order to foreclose on my home, going so far as to schedule a sale date of XXXX XXXX, 2015. 

Debt Collector Address : BWW Law Group, LLCXXXX XXXX XXXX. 
XXXX XXXX, Maryland XXXX ( XXXX ) XXXX ext. XXXX ( XXXX ) ( XXXX ) XXXX ( XXXX ) XXXXXXXXXXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10
Company: SLM CORPORATION
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Keep getting calls about my loan

Complaint:
Hello, I received a Smart Option Student Loan from Sallie Mae in XXXX of 2014 in the amount of {$5000.00} to supplement my living expenses while finishing XXXX XXXX. I am still in school until XXXX of this year. I filed for chapter XXXX bankruptcy last fall and was discharged in XXXX 2014. Sallie Mae started contacting me last week stating that this loan ( unlike my others through the Federal government ) is now due in full because it is ( 1 ) private and ( 2 ) ca n't be discharged and that the ( 3 ) contract for this loan is now null and void. Sallie Mae is now looking to receive payment in full on this loan within 12 months, and doing so would require payments of over $ XXXX/month.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: SLM CORPORATION
State: TN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
I have XXXX Sallie Mae loans. I just finished school in XXXX and now they are constantly wanting money. They told me they do not have the same plans as Federal Student Loans. I do not have a job, yet. Usually, they wait 6 months after school. Sallie Mae did not even wait a month. Then, they made me pay late payments when I do not have a job. They told me they had no income driven plans. So, now I have to do forbearance with a rate of interest 10.25 % which is ridiculous. I have XXXX Sallie Mae loans when I looked at the total interest, I nearly passed out. On XXXX loans, they want to charge me XXXX dollars. The total I took out together was XXXX dollars ... XXXX is interest is highway robbery.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: BWW Law Group, LLC
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
when original note are challenge to provide original black ink sign at the time closing, the co-conspirator XXXX, XXXX XXXX bank XXXX debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX forge the note just like a criminal will forge a check the co-conspirator XXXX, XXXX XXXX bank of new York debt collector XXXX XXXX, XXXX XXXX XXXX, and XXXX fraud note just like a criminal would forge a check fabricate checks through the use of modern technology. 
fabricated allonge signer indecomme XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: Element Global Services
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have spoken with them on the phone, first they offered a settlement and I asked to put it in writing, they sent me one via email say I owe millions dollars which was not correct. I asked them to send a corrected one, and a validation of debt owe, alone with they have legal rights to collect, inside that letter I stated no phone calls, and everything in writing.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian and XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF ED/XXXX  XXXX Open Date XX/XX/XXXX, XXXX Balance- {$3900.00}, DEPT OF ED/XXXX XXXX Open Date XX/XX/2014 Balance : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX and TransUnion credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : DEPT OF ED/XXXX  XXXX Open Date XX/XX/XXXX, XXXX Balance- {$3900.00}, DEPT OF ED/XXXX XXXX Open Date XX/XX/2014 Balance : {$1900.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: CAVALRY INVESTMENTS, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Refused to give me name and phone number of company along with address before I verified social security information. Requested no phone calls and to have written documentation of debt. Became aggressive when stated my right to know who they were and where located and how I could contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX Credit Bureaus was XX/XX/2022 but no response was ever received from them to date.Thus, their action has violated the FCRA section 605b, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately : EXPERIAN : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX Balance {$0.00} XXXX XXXXXXXX XXXX {$0.00} XXXX XXXX Balance {$15000.00} XXXX XXXX XXXX XXXX XXXX Balance {$1800.00} XXXX XXXX Balance {$2100.00} XXXX XXXX Balance {$7000.00} XXXX : XXXX XXXX XXXX Balance {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX Balance {$15000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NM
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Received claim of debit in the amount of {$2600.00} from law firm in XXXX, OH for an auto accident in a town I have never visited, vehicle I have never own, and on police report there is a partial DL # that is not mine. Contacted law firm to advise they have wrong person, instructed to file claim through ftc.gov website.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: WELLS FARGO & COMPANY
State: NC
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
XXXX Company review In progres XXXX/XXXX/2016 XXXX CFPB review In progress XXXX/XXXX/2016 It has been almost 90 days and now they want another 60 days this shows what is happening with what has taken place in wellsfargo I am sending some of the letters they have sent me. This has also created multiple fee 's and added other charges and I still have to make pmnts if i dont then my credit reports gets terrible XXXX had stated for me to continue making pmnts yet my credit has already been affected negatively and I was not able to refi my home because of all this that has taken place. 
FINALLY, INVESTIGATION HAS BEEN DONE BY MULTIPLE PERSONS FROM TH E SAME XXXX EXECUTIVE OFFICE AND NOW THEY ADDED ANOTHER PERSONS HER NAME IS XXXX XXXX. VERY IMPORTANT IS THAT THE CARD ENDING ON XXXX WAS CLOSED XXXX 2016 AND THE USED THAT AS LOST OR STOLEN IN XXXX/XXXX/2016 ACCORDING TO THE BANK AND THAT WAS A LIE AND THEY CREATED THE ONE ENDING ON XXXX HOWEVER, IF YOU LOOK AT THE ACTIVITY ON THAT CARD TH E FIRST ONE TOOK PLACE 20 DAYS LATER ON XXXX/XXXX/2016. DOES NOT MAKE ANY SENSE.

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 2020-10-01
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been trying to resolve a dispute against my credit card company since XXXX XXXX, 2020. 

My boyfriend used my card to book travel, I am unable to modify change or cancel reservations without him cancelling air fares. '' This is in arbritration. Since XX/XX/2020 the airlines according to Department of Transportation is to refund all charges but has not. 

I asked the credit card company to put in dispute again as this law took affect in XXXX, 2020 not XXXX 2020 when first disupted. Every time I call they hang up on me. They also say there is no such thing a dispute department. 

I have also requested this company send me the full account number to this account. 

They absolutely refuse to give me the full account number. The account is now closed. 

XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: CNG FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I have two issues with Check N Go. First, I called initially to ask about the application process. I was told that they only do " soft pulls '' that do not effect your credit. I went ahead and applied for payday loans that have been successfully paid in full. I had an incident where my dog suffered trauma and needed emergency care. I applied for financing with the veterinarian for this and was denied due to a failing credit score. I was under the impression that previous efforts to raise my credit was working but came to find out that my score had suffered due to the multiple inquiries from the payday loans. I was not approved for financing for my dog and had to turn to Check N Go for funds for my dogs XXXX and care. I now am in a situation where they are requiring payments of {$660.00}. for 11 months for a total amount of {$7200.00} on a loan amount of {$2700.00}. with an APR 219 %. I feel that I was placed in this position due to the company falsely informing me of their application processes that effected my credit. I had no choice but to request funds and want to pay back the amount that I borrowed but feel that the excessive interest rate is above and beyond what is fair. It is taking a toll on my monthly finances and am finding it extremely stressful and feel that my mental and physical health is beginning to suffer just thinking about the repercussions of not paying back as they are requiring. I feel trapped and that I am falling behind already and I have many more months of this payment ahead of me. Please help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-19
Company: EQUIFAX, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. 

By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under : 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

15 U.S.C 1681 section 602 A. States, I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. 

XXXX Name : XXXX XXXX XXXX Addresses : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX Employer : XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX  Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XX/XX/XXXX Collections : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX # XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Addresses : XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXXXXXX XXXX XXXX AZ XXXX Collections XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Equifax Employer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, AZ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiries : XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
BofA refused to give me my ssa money they took out what I owe them on the XXXX  an they won't like get it from the bank there sending me check they said an to date no check can't get food or my medical supply an meds because of the it not right for them to do this to a older adult their way they're treating me and I'm fairly done my wife made a mistake on there and I have to pay for it he didn't Washington DC was in the military I'll still there now I don't know where she's at to be in jail because of the bank I don't like this at all you're a fair treatment and the people is unreal you'll see what the those security department 's going to say and everybody else

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-27
Company: CITIBANK, N.A.
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Citibank offers a promotional bonus for meeting certain requirements upon opening a Checking account. I have met these terms and they are now claiming that I did not meet one of the terms. I have deposited the required amount ( {$15000.00} ) to receive the bonus ( {$400.00} ) within 30 days of account opening. Citibank now claims that the deposit was supposed to occur within 20 days. This is clearly a fraudulent claim. Every bonus offer they have made in the past or present has provided one with 30 days to make deposits. It appears that they are trying to scam me of the bonus by arbitrarily changing the requirements after the bonus is due.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-08
Company: Santander Consumer USA Holdings Inc.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Santander consumer USA..they 're a bunch of crooks. I 've been paying on my loan for over a year and my payoff amount is greater than car purchase price with XXXX down. And it cost me a XXXX dollar fee to pay my bill. It 's just crazy, is n't their a consumer protection law ... this company is extremely greedy and are making the poor poorer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
On XX/XX/2017 I contacted PORTFOLIO RECOVERY, XXXX XXXX XXXX, XXXX, VA XXXX ( # XXXX ) after finding out that my name was listed under a collection action with a credit card balance of {$1500.00}. The original creditor was XXXX XXXX. First, no one from the recovery company contacted me personally, verbally or in writing to discuss this or even request payment. No court action was filed and in fact no proof has been provided to the credit networks to justify this collection action submitted to the credit networks naming me, XXXX XXXX XXXX. I was a co-signer on this account but was never told the account was in arrears or that a collection action was about to take place. If they can name me for being responsible, and so list my name under a collection action on my credit report, why could they not notify me in writing to have a chance to resolve this before they took it to collections?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Transunion was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act Section 605B which states that the credit bureaus are required to remove/block any account which was opened without my knowledge, consent or authority within 4 business days. The account listed below is still reporting on myCredit Reports and needs to be deleted immediately : DEPARTMENT OF EDUCATION/XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief