BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-23
Company: Kirkland Asset Management LLC
State: NV
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I filed a complaint on this debt previously, but now it has apparently been re-sold to another debt collector. My prior case numbers are XXXX and XXXX - XXXX was against the original lender XXXX, the other against XXXX. I disputed both XXXX and XXXX responses, but never heard anything back, until another company, Kirkland Asset Management provided me a letter yesterday ( after I received a misleading telephone call from a Nevada telephone number ) stating that they " were in receipt of a delinquent claim on your behalf '' from XXXX. As stated in my previous complaints, this debt is not valid and is unlawful and uncollectible under Nevada law, as XXXX has or had no license to lend in Nevada and therefore is/was conducting business in Nevada without a Nevada license. 

Secondly, this new debt collector, Kirkland Asset Management, is using deceptive and unlawful tactics. Someone named XXXX XXXX ( sp? ) contacted me XXXX on my cell phone and XXXX at my work phone, despite the fact that I have previously provided cease and desist letters to both XXXX and XXXX stating that all contacts must be made to my cellphone ( NOT my office phone ) or in writing to my email address. XXXX XXXX did not state the name of his company. He only stated he was contacting me regarding a scheduled delivery for " this evening '' and that I should be available with an id. First he said delivery would be that evening then he said by Friday. He also stated " that no questions were available '' and to contact the sender directly at XXXX XXXX XXXX, ref. # XXXX, and that if necessary, they would make a scheduled delivery to me at work. When I contacted the XXXX XXXX XXXX number, I found out that it was Kirkland Asset Management, and when I asked about the nature of the delivery, the representative would not tell me the nature of the delivery, but then stated that they were trying to collect on a " debt '' I owed to XXXX. I was also told they would take legal action if necessary. The representative then said she would email me something so I could work out arrangements on the debt. ( attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: Big Picture Loans, LLC
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I recieved a preapproved application in the mail about a loan for XXXX from Big Picture Loans company.i applied and was approved for the loan without much effort ... In the final documents and truth in lending info, there is a section telling you how much you will pay in a payoff balance which was a reasonable XXXX dollars and is what i was led to believe would be the final amount i would pay along with original loan amount of XXXX dollars by the time the loan was paid in full ... But as of today after reviewing my documents, i found out that you have to scroll all the way down the " truth in lending '' section, which should be called the " truth in hiding '' section since i had no idea this info was down here or i would have rejected this loan immediately, and i find that these people actually expect me to pay almost XXXX for an XXXX dollar loan at 887.877 % interest..thats not even legal ... That is simply not going to happen and these crooks should be stopped for their predatory lending practices ... Unfortunately, i now have to go to my bank and describe the problem to them and avoid this obscene situation alltogether ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Nelnet, Inc.
State: CO
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I refinanced my student loans. I did not want to refinance my subsidized student loans so I took out less than my total and told I would be able to decide which loans my XXXX check would pay off. However, when Nelnet got the check they decided which loans to pay off without any input from me ( Nelnet decided to put the money towards low interest subsidized loans and leave the remaining g balance in loans that had the highest interest rate ). I have now contacted Nelnet twice to attempt to get the money allocated towards the correct loans and Nelnet and their representatives have been unable to help or provide adequate assistance. All inquiries to speak with management is brushed aside. This is unacceptable and I need help resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: ERC
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My complaint is in regards to a recent claim dated XXXX XXXX, 2017 regarding account # XXXX which Enhanced Recovery claims to have verified, and that I owe them in the amount of {$2200.00}. I have requested validation of this debt from them which I do not owe because I have never signed any contract with this company. What they have sent me was a bill. This company along with another collection agency, XXXX XXXX, continue to report this on my credit file which I have recently disputed with XXXX credit bureaus. Any assistance that your organization can provide would be highly appreciated. 

Regards, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-03
Company: ERC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company, ERC, began harassing me in XX/XX/2016. They call me consistently regarding a debt that I do not owe and have no idea about and they continuously try to get personal information from me such as my address, social security number etc. from me stating that they are going to collect their debt no matter what. They call me all the time from different numbers ( which I block ) and different representatives.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-05-25
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I did not see the terms of the loan until I had completed the process and was in the process of signing. I will be charged 900 % in interest for an {$800.00} loan. If I make all of the payments, I will end up paying over {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: ERC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
ERC continues to send notices of a XXXX debt we do n't owe ( to someone with a different account # and same last name -- but who does not live here ) even after we sent them proof from XXXX that our last bill was paid years ago.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-01-28
Company: Williams & Fudge, Inc
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I have no knowledge of william and fudge debt and I would like it removed as it 's reporting to the XXXX credit bureaus and negatively affecting me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XX/XX/XXXX, the banks were closed. Prior to that on XX/XX/XXXX I had a pre-authorized payment to XXXX scheduled. I checked my account on XX/XX/XXXX and the payment had not been taken out. I checked on the next day the bank was open which was Tuesday XX/XX/XXXX to see if the pre-authorized debit had been taken out, and it had. Unsure why the pre-authorized debit had taken an extra business day to post to the account, I called the bank. My account was positive at this time on XX/XX/XXXX. I was looking at the account on my tablet as I spoke to a rep ( there should be a recording on XX/XX/XXXX of this conversation ) who also assured me that the large pre-authorized debit which should have been taken from my account on the scheduled date of XX/XX/XXXX had actually been PAID and POSTED that day, XX/XX/XXXX. We could see there were other PENDING OUTSTANDING debit items on hold ( which do n't incur overdraft fees, you just make sure the money is in the account prior to them being posted ), but my account was NOT NEGATIVE. The next day on XX/XX/XXXX, the items had been re-arranged to show that they were NOT ON HOLD ANY LONGER for XX/XX/XXXX but they actually were showing PAID on XX/XX/XXXX ( even though they were purchases made well AFTER the pre-authorized debit that had showed paid on XX/XX/XXXX ). This resulted in a fee of {$35.00} and a subsequent sustained overdraft fee of {$30.00}. I called the bank and told them that I disagreed with how the transactions were processed and that I wanted a rebate of the fees. I was told that since they had rebated a fee previously for the same issue, ( being told an item was paid but it actually resulted in an overdraft and it should not have ) I would not be able to have the fees reversed. A few years ago, I remember this bank having an issue with the way transactions were posted which resulted in them collecting fees on consumers ' accounts that they should not have which resulted in a class action lawsuit to reimburse their customers. I think something similar is happening again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-18
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The mortgage company began to raise the monthly payment after I was approved for exmption that should lower the monthly payment and taxes on home, but they told me that they paid more than XXXX for the city and the taxes was only XXXX, I called the city and I was informed that there was a refound sent to the mortgage company and they also sent me a refound. The mortage kept saying that there is a shortrage in the account and I told them there should n't because they got refound from the city. They insisted and kept adding more things to the monthly payment. They also tell me that I have two payments due in my account but I have a proof for paying every month. I need help to stop this company from adding this additional payments and charge me for something that is not there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-06
Company: ERC
State: WI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX has repeated contracted debt collectors to collect payment for an electric bill from me. I have never lived in Texas and obviously do not owe money to a power company there. I have denied the debt multiple times and have asked XXXX XXXX to cease contacting me about this. In 2014 they apparently had credit agencies add that TX address added to my credit history. I had to report the error to have it removed. We just received another letter from a collection agency trying to collect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-06
Company: Big Picture Loans, LLC
State: VA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
XXXX now called bigpicture. I applied for a loan. they toldme I could pay off early and pay balance an interest to that day. I borrowed XXXX already paid XXXX ask today XX/XX/2016 for pay off as of today and iwas told XXXX plus XXXX this is not what they said originally. that 's over XXXX they are not upfront and honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Big Picture Loans, LLC
State: TX
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I have never applied for a loan, done business with, or even heard of Big Picture Loans. 

I received a {$200.00} credit to my bank account from Big Picture Loans on XXXX/XXXX/2016. 
{$200.00} was later debited from my bank account from Big Picture Loans with a note : " Name Mismatch '' on XXXX/XXXX/2016. 
Big Picture Loans then tried to debit an unknown amount from my account on XXXX/XXXX/2016 which resulted in a declined item and a non-sufficient funds fee from my bank of {$34.00}. 

I believe fraud is involved on how Big Picture Loans was even able to acquire my bank account number, and am unsure if someone took out a loan with my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: WEICHERT FINANCIAL SERVICES
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
In an effort to make our closing date, Weichert Financial Services has been submitting disclosures to me electronically. While this process is convenient, they have routinely asked me sign within a XXXX hour period despite obvious errors in the disclosures including errors in my own personal ( phone #, home age, work address ), understated monthly payment amounts ( which failed to calculate my property tax correctly despite having done so correctly in previous calculations ), closing cost errors ( including understatement of property tax, failure to extract payments made out of pocket ), etc. I have been routinely asked to " just sign it '' as " it will get corrected and worked during closing ''. However, I feel that this is misaligned with the intended purpose of a disclosure. Luckily, I am an XXXX and XXXX, and while I am not a mortgage expert, I am certainly sensitive to misinformation. With this behavior by Weichert Financial Services, a less vigilant buyer may end up in a mortgage they can not afford. I can certainly appreciate the effort to expedite our process, but I fail to see the benefit in a disclosure process that encourages acknowledgement of inaccurate payment figures, personal information, or mortgage costs. Thank you

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 2016-04-01
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
I currently have a direct consolidation loan which is service by FedLoan. Over the past three years that they have serviced my loan, it has been extraordinary difficult to recertify my income based payment and to get them to process the paperwork in a timely way, without repeated errors. The employees are unable to answer questions about why payment amounts do n't match those listed on the student loan calculator and why applications were routed into programs other than what was listed on the application. This year after originally filing for an IBR, I learned that the new REPAYE program would be an option for me. Despite filing the paperwork w/ them XX/XX/XXXX, my loan is still not fully enrolled in the program. Instead, the company opted to put the loan in forbearance for several months. It 's unsettling that my loan interest continues to capitalize b/c of their inability to process the paperwork. Further, it 's unclear to me why servicers are n't required to meet particular deadlines for completing paperwork. I submitted my materials in a timely fashion, yet I continue to wait and accrue even more interest.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-19
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My servicer, FedLoan/PHEAA, is alleging that dozens of my Public Service Loan Forgiveness payments do not qualify toward my 120 qualifying payments. I have worked for XXXX and I have submitted forms each year according to the instructions on the form. The form clearly stated at one point that if an employee is still at her current job she should write " today 's date '' on the form. It now has a box that users can check that says " still employed. '' I filled out my forms each year according to the instructions, either putting " today 's date '' or checking the box, and now my servicer is not counting each certification as if I employed at that employer. Rather, they are using the " current '' date as my " end '' date. 

After filing annual employer certifications for five years, it is astounding to me that my servicer, FedLoan, has been miscounting my certifications all along. Nobody notified me about any of five forms I submitted. I only found all of this out when I had a separate problem with FedLoan. They are now saying that I must go back to my previous employers to have them re-certify my employment. 

After calling FedLoan, they instructed me to only submit forms when I leave employers, rather than submit forms each year. Now I do n't know which advice to follow -- to submit annual employer certifications or just wait until I think my 120 payments is up. What is the point of trying to stay current with my PSLF certifications if I am just going to have to go back and do this all over again?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I signed up for the REPAYE student loan repayment plan and direct debit of payment from my checking account. I paid {$150.00} according to the bill on XX/XX/XXXX and Fedloan Servicing deducted {$150.00} on XX/XX/XXXX. Yet they claim that I owe them {$150.00} on XX/XX/XXXX and have marked my accounts as delinquent. My loans are not delinquent ; I have paid according to the REPAYE plan and set up direct debit. I am not making twice as many payments as are required under the REPAYE plan. I plan on applying for public service loan forgiveness and need my loans not to be in delinquent status. I have contacted Fedloan Servicing, but they have not responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Torres Credit Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My account was sent by Gas Company to the collection agency. This bill is paid but the collection agency has not removed my name from collection. Please advice.

Company response to consumer: Closed
Consumer complaint received 2016-10-30
Company: AES/PHEAA
State: DC
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am currently paying back federal student loans held by AES ( aessuccess.org ). I have been enrolled in their auto repayment program for years, where my monthly payment is automatically extracted from my checking account. I received a call from them earlier today, XX/XX/2016. The voicemail left by the caller was just silence, but after researching the number I was able to determine the caller was AES. 

After logging into my AES account, I saw a note that one of my loans is delinquent. Even though I 've been enrolled in their automatic repayment program, due to some reason they decided not to process my payment, and mark my account as delinquent. Nothing has changed with my checking account. There are n't any issues regarding a lack of funds available in the account. My other student loans that are held by XXXX XXXX are also enrolled in automatic payments, and those payments were processed successfully.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-28
Company: CITIBANK, N.A.
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I received a letter from Sears Credit Services. The letter informed me that I was sent information earlier ( I received nothing earlier ) and that if I did nothing by XXXX XXXX my Sears credit card would be changed to a Sears Mastercard. If I preferred not to accept the " upgrade '' I was instructed to call a telephone number or go to a website. I tried calling but it would not accept my card number either by entering by voice or telephone key pad. It then asked for my social security number! The website had no place to turn down the offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: FL
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
i posted an ad on XXXX selling a XXXX. the person responded from XXXX and i was told that i would be making a payment through XXXX using money gram to pay for shipping of an item. when i called XXXX with the information they informed me that the email was not real and that i should contact XXXX and file a fraud complaint. when i contacted XXXX they informed me that the money was already acquired so i am filing this compliant to receive a full refund seeing that the person has scammed in more ways than XXXX, lying about shipping and creating fraudulent XXXX emails and accounts to gain access to me. i feel very used and want to do anything and everything to get back my money. i have filed a case with local law enforcement and will be contacting my attorney as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am in the process of changing my name because I was recently married. When I changed my name with the social security XXXX earlier today, they recommended that I get a credit report so that I had a complete list of all of my creditors so they can be notified of my new name. When I saw my credit report, I saw an overdue account that had caused significant negative credit effects, and found out that my Bloomingdales credit card had been fraudulently used on XXXX XXXX, 2016. Apparently this was an online purchase of Lancome makeup ( which I do n't wear ), and which I did not make or authorize anyone else to make. When I called to complain about this, I was also told that my account had been closed in XXXX 2016 and a new XXXX opened shortly thereafter. I neither closed nor opened any Bloomingdales accounts during that time frame, and the opening/closing and XXXX XXXX charge are all fraudulent, unauthorized actions.

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