davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (VA)

8 years ago, I cancelled my XXXX service as I no longer had a house phone to connect the service to. Now 8 years later they are saying that It was cancelled due to non payment for some months. I never received any communication on this until now * years later. I have had several loans since then and it never showed on my credit reports. I think they botched up their records and are trying to recoup stuff that is not owed. ALl I got in response was scripte answers. I called them on XXXX/XXXX/2016. I called XXXX XXXX and the collection agency Transworld Systems , Inc XXXX
Consumer complaint received 2015-10-16
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: REGIONS FINANCIAL CORPORATION (TX)

I opened a savings account with Regions bank and my banker did not disclose that I had to keep a minimum amount of {$300.00} in the account or I would be charged a monthly fee. Now I ca n't even close my account because there is also an early closing fee just to get rid of the account. It 's not disclosed anywhere in my opening packet and I had to search on the bank 's website for a fee schedule PDF where it 's mentioned -- it 's not shown anywhere on their site. 

Regions Bankhttps : //regions.com
Consumer complaint received 2017-02-27
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: HW Holding, Inc (TX)

I have repeatedly asked for validation of debt from this reporting agency and this company will not comply with my requests .To my knowledge the original creditor is an apartment complex and I am not sure at this time what this bill is for .This is affecting my credit score and if I can not get a validation of debt please remove from all XXXX credit bureaus. Also do they have the right to charge interest on this type of account. I am not sure what else I can do but get a lawyer involved if this is not resolved. 

Last Reported XXXX XXXX, XXXX Collection Agency HUNTER WARFIELD INC Original Creditor XXXX XXXX XXXX XXXX Status Open Opened Date XXXX XXXX, XXXX Closed Date -- Responsibility Individual Balance {$760.00} High Balance {$660.00} Remarks Account information disputed by consumer, meets FCRA requirements
Consumer complaint received 2016-09-19
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: HW Holding, Inc (TN)

I am not certain where to report this, as it was not an option in the drop-down. I chose the closest issue that was available. 

I have noticed a recent, unauthorized, credit inquiry from a notorious debt collection firm called Hunter Warfield on my XXXX report, and I am taking the proper actions to have this resolved. I was n't contacted for this inquiry, nor did I give any authorization for this inquiry. I hope that this is an issue that can be resolved.
Consumer complaint received 2017-01-12
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (TX)

This company has never reached out to me to collect any type of debt. I looked on my XXXX report and my credit score dropped drastically for this collection debt. I called and asked them to provide me with the invoice or any written documentation, which they would not provide me. They asked for my SSN multiple times and were trying to reach someone named XXXX, who is not me. I informed them this was not me ; however, they told me there is nothing they can do unless I provide my SSN.
Consumer complaint received 2015-05-06
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: TRANSWORLD SYSTEMS INC (MO)

I contacted TSI regarding information on my credit bureau report. I was given my main account number and was transferred to a different department. The woman I spoke with, her main number was XXXX. She was nice until I requested verification of the debt, at which time she told me she would request it but I would likely not receive it since they 'd sent information previously and I had not responded. I told her that they were sending to the wrong address previously, to which she continued to berate me about how I was not cooperating, etc. I told her that I wanted to speak with a supervisor. She XXXX refused to pass me to a supervisor. Then she put me on hold for some time, then came back and told me that she had the XXXX supervisor that was on a conference call and the other that was not at her desk. I told her that I would wait for the conference call supervisor, she had insisted on putting me into voicemail. She then put me on hold again. When she came back, she told me she would give me dates of service over the phone along with patient information and amounts owed. She apparently is not sending me this information, which I had requested. She wanted me to pay the smaller balances over the phone, to which I told her that was in dispute. She is also stating that bills for my husband, which he has a separate insurance and I have not signed as guarantor on his accounts onto mine. She also refused to let me send in payments, she told me if I sent in payments, they would be applied to all the accounts, rather than the XXXX I specified and if I chose to pay for a specific account it would have to be done over the phone. I want to file a complaint against this company and this collector.
Consumer complaint received 2016-06-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC (CA)

I keep receiving notices from Transworld Systems that I owe XXXX XXXX {$45.00}. I have called and sent payments, but they keep billing me. I think I 've paid bills I did n't actually owe just to get them to stop. Each one is about 2 months apart. I have n't even been to XXXX since XXXX 2016! My bank shows {$45.00} sent to XXXX XXXX on XXXX XXXX, 2016. Today I got another bill for another {$45.00} from Transworld. This has shown up on my credit report. Every bill has a different account number and frequently a different mail-to address. I want this stopped. XXXX XXXX is a good company, but their billing practices are not. I do n't get bills from them. I just get late notices. And they do n't answer their own information lines. Neither does Transworld.
Consumer complaint received 2017-02-02
Product: Credit card — 
Issue: Transaction issue — 
Company: CITIBANK, N.A. (AK)

I purchased an item in XXXX from a vendor in the XXXX. This vendor knew we lived in Alaska and charged shipping at the time of purchase. Turns out that in XXXX when finally ready to ship the product they dumped it off with a shipping company and never checked back up on it until I continued to follow up. Turns out they could not figure out how to ship it and a shipper that we mentioned shipped to Alaska was almost quadruple the price they charged us for shipping. I opened up a dispute with both paypal and my credit card company Citibank Costco Visa in XXXX. Once the vendor knew there was a dispute open he tried to salvage the transaction by telling us he was going to re-collect the item and box it according to USPS standards to send it XXXX. He asked if I could close the dispute in order to submit an invoice for the extra {$200.00} in shipping that it would cost us to go this route. I then closed the dispute with paypal and my Citibank Visa. I have not received the product. I as not invoiced for any additional {$200.00} because it appears the vendor can not ship the item. I am not able to re-open a dispute with paypal or my Citibank Visa. I do not think that is right because if a customer does not receive a product, they should be eligible for refund despite the original transaction happening in XXXX and despite closing the dispute in XXXX 2016. A vendor can and will lie in order to hang on to a person 's money. However, a good credit card company should protect their patron regardless when a product is not received. This product was not and will not be received.
Consumer complaint received 2016-11-23
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC (WA)

I had to go to XXXX XXXX XXXX Hospital in XXXX, Maryland on XXXX/XXXX/XXXX with XXXX. Before going there I checked and confirmed with my insurance that they were an in-network healthcare provider. I submitted my insurance card at the XXXX XXXX Hospital XXXX. The doctor who saw me was XXXX XXXX. In dues course of time I received bills from XXXX and paid them immediately. Yet this doctor ( XXXX XXXX ) and her outfit ( XXXX XXXX XXXX XXXX ) failed to bill my insurance for several months. Instead somehow billing my wife 's insurance ( different from mine ) and even received payment from them. They did not submit a claim to my insurance and then sent my account to collections. Once I found out about this situation I called them but they still did not submit a claim. Finally I was able to get my insurance to contact them directly and have them submit a claim in XX/XX/XXXX/XX/XX/XXXX. My insurance company ( XXXX XXXX XXXX XXXX ) processed the claim and told me my responsibility to pay is {$160.00}. Yet this company, Maryland XXXX XXXX XXXX XXXX is insisting I owe them anywhere from {$750.00} to {$390.00} ( it varies ) and have been hounding me with a collection agency ( Transworld systems ). I have faxed them the claim statement from my insurance but they have ignored it. I would like to report this company for fraudulent over-billing and request that your Office take appropriate action against this company/doctor and also help resolve my issue. 


XXXX
Consumer complaint received 2015-12-17
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: TRANSWORLD SYSTEMS INC (CA)

I was attending XXXX XXXX, XXXX ( formerly owned by XXXX ) from XXXX XXXX until they unexpectedly shut down in XXXX XXXX. I was 3 months away from graduation when XXXX shut down and I was not allowed to finish my program but was left with HUGE debt and a damaged credit score. I got NOTHING in return and I am now bombarded with phone calls regarding my debt EVERY SINGLE DAY! Referring to an article posted on Consumer Finance 's website on XXXX XXXX, XXXX I was " harmed by XXXX predatory lending scheme '' and lured into taking out private loans with very high interest rates. They advertised bogus job prospects and career services on television, online, and brochures. Students were forced to buy expensive overpriced books that were either never used in class or opened XXXX times all quarter. According to the bulletin XXXX ( owner of some of XXXX schools ) agreed to remove negative information from student borrowers ' credit reports ; however, I am to this day still seeing negative credit report history and my credit has dropped by almost XXXX points.These " XXXX '' were owned/ran by the school and when it had to close were then consequently sold to University XXXX XXXX ( XXXX ). I worked hard to get my credit score to where it was, I had XXXX late payments and now I have a credit score below XXXX and XXXX late payments thanks to XXXX. I receive countless letters in the mail ( almost one a day ) and more then XXXX phone call from XXXX regarding my loans a day, every single day. Many promises were made by the school, its ' employees, and its ' ownership and not XXXX was met. The financial opportunity to make money from students in need of a better life was seen by XXXX and they lied and failed to do what they should have done. If I take out a loan and I leave, I still have to pay that loan back. But if I take out a loan and the SCHOOL leaves, I should NOT have to pay anything to an institution that cost the jobs of many people, hurt people financially, lied, cheated and wasted the time of the students in the schools that were owned by XXXX.
Consumer complaint received 2017-04-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A. (NV)

I am on a small fixed income and have direct deposit. For the  last two  years my bank has charged me an overdraft fee of {$35.00} if there is not {$12.00} in my account to cover my monthly service fee. Every single month I go through this. Unfortunately all the money I get from  SSDI goes for my rent, my utility bills and food and sometimes I 've only got {$10.00} left in my account but still charged {$35.00} for being {$2.00} short for my service fee. I have repeatedly ask my bank to waive the fee but they refuse. Even though the money is guaranteed to be there on the 3rd of eac h month they still charge me {$35.00} if there is n't {$12.00} in my account to cover the service fee. Even if I have {$11.00} I 'm charged {$35.00}. I know I need to change banks but now it 's the principal of all this. I feel like I 'm being robbed by this bank. Can you help me?
Consumer complaint received 2016-01-12
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Key 2 Recovery, Inc. (CO)

Sometime in XXXX XXXX I started receiving letters from XXXX XXXX XXXX from Key2Recovery regarding a debt to a school that I do not owe. At first, she acted professional, but later on she became very rude and uncooperative. I had taken out a private student loan through XXXX XXXX about 6 or 7 years ago, and am still paying on it. I moved from XXXX at the end of XXXX XXXX, and let XXXX know that I did n't have a mailing address yet but that I would give it to her once I set up a XXXX XXXX XXXX She called me several weeks later asking if I had received the document proving that I owed money to the school, and when I asked her where she had sent it, she said it went to XXXX. I reminded her that I left a voicemail as soon as I moved to XXXX and got my XXXX XXXX XXXX with my new mailing address, but she became very rude and said that she sent it and was n't going to send it again. She also called me " uncooperative '', when I have been trying to do everything I can to figure out what is going on. She has been calling me ever since then, even at strange hours of the evening ( XXXX my time, XXXX her time ). This is all very odd, especially since I have not changed my phone number since I attended the school, so I do n't see why they never called me in the past 6-7 years if I somehow did owe them money. I have even tried calling the said school several times, but have not heard back. I work at a bank, and have heard of a few debt collection agency scams recently going on, so I know better than to just send off money to them without questioning it. So far, I have not had any proof of anything that I have signed saying I owe this school money. I am still paying XXXX XXXX for the student loan, and everything that has occurred thus far has led me to believe this is fraudulent. It also seems that XXXX has violated the Fair Debt Collection Practice Act. It would make sense to me that if I did indeed owe money to the school, they would probably contact me, and XXXX would have happily updated my address when she was on the phone with me last time ( rather than being rude and saying that she already sent the document proving I owed the debt, and that she was n't going to send it again ). Be that as it may, everything about this seems very fishy, not to mention the fact that a strange number ( XXXX ) keeps calling me, without leaving any voicemails. When I looked it up online, it is a credit management company ... and apparently in XXXX, XXXX authorities arrested XXXX people for what they said was a XXXX scam by a debt collection company that victimized more than XXXX people, and a prosecutor said a wider crackdown was underway. Scary.
Consumer complaint received 2016-11-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (CA)

I had a loan to cover XXXX damage from the small business department that was sold to m & t bank .since then it has been a problem.my loan is unsecured with no lien .m & t bank is trying to steal my property by not posting my payments timely, and charges that are illegal.i get two bills from for the same billing cycle.i do not like doing business with them or trust them.this is the second or third complaint to cfpb about this matter.my payment is XXXX dollars a month.
Consumer complaint received 2017-04-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: SYNCHRONY FINANCIAL (WA)

I applied for an amazon credit card through chase bank on  XXXX   XXXX  of  2017 . I was told I would be hearing back shortly. I then received a letter from synchrony bank saying they could approve me for a store card at amazon. I am only  XXXX  and did not realize the difference at first so I now have a store card to amazon through synchrony. However in order to get my card I had to call them and just go over my information with them. I did this on  XXXX   XXXX . I then checked m y credit score and  it was lowered because synchrony hit me with  XXXX  hard inquiries,  XXXX  on  XXXX   XXXX  and  XXXX  on  XXXX   XXXX . They should not have hit me  XXXX .
Consumer complaint received 2022-08-04
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO. (TX)

On Thursday, XX/XX/XXXX I received a phone call from Chase Bank. I looked up the number to make sure since I didn't know the number. Once I answered the call the women said she was calling from Chase Bank ( forgot her name unfortunately ). She informed me that she was calling because they received an alert that my account was flagged for fraud. She told me my card had been used at a XXXX XXXX in XXXX for {$140.00} ( this has never happened to me, but I believed her due to calling me from the bank ). She already had my information and then told me she was going to send me a verification code via text ( chase text number ). I gave her the code, she told me she was mailing my card to my XXXX XXXX address and it would be there in 7-10 business days. Once we hung up I checked my email and noticed that I had an email saying my card was successfully added to my XXXX XXXX. I thought that was really odd, so I looked at the code she sent me again. Sure enough it was a code to add my card to her phone. I checked my savings account and she took a total of {$1400.00}. One withdrawal of {$500.00} and a {$200.00} ; then nine {$80.00} 's. I called the number she called me from back ( which was Chase Bank ). Explained to them what happened and they said it clearly wasn't true. Turned off my card and said they were mailing me a new one. They said she did it through XXXX XXXX at the ATM machine. I told them she had all of my information and she called me from Chase Bank. I am having to dispute this with the bank still ( they just denied my claim ). They credited my account today XX/XX/22, but told me they are taking the money back.
Consumer complaint received 2018-11-30
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO. (CA)

I rented a car from XXXX in XXXX. Two charges were posted related to the rental ( one charge denominated in USD and the other denominated in Euros ). The charge was posted on XX/XX/2018. I disputed the charge on XX/XX/2018. However, I didnt have all the details i.e. credit card statement when I disputed the charge. Subsequently I contacted Chase Bank to change the disputed amount on XX/XX/XXXX, which they told me I had to wait until the original dispute was settled When I tried disputing the additional amount, Chase declined the additional disputed amount saying I had missed the deadline to file a dispute. However I was just following instructions given to me by the Dispute department. Please refer to the attached letter I have sent to Chase. The additional disputed amount is {$150.00}.
Consumer complaint received 2016-12-16
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (VA)

Was contacted by XXXX XXXX at Loan Depot to refinance our house with a lower interest rate for our VA home loan. We discussed the amount of consumer debt we had that was being handled by XXXX XXXX. XXXX XXXX said we could solve that. So we applied and everything went well and we discussed making sure that we had the right amounts as some of them have been paid off and/or in the process of being paid off through XXXX XXXX. No problem that will be done. After closing the closing company sent us the checks made out to all the creditors and not with XXXX XXXX as we had been told. No one even called from the loan dept even after I had mentioned about our discussion. Now I am in the 4th month trying to solve this issue with XXXX XXXX XXXX loan originator at Loan Depot. It appears to me she is putting me off with XXXX of money that need to pay some to XXXX law and the rest to us. How long should a consumer wait when you have been up front with people? I am current on this loan and all my debts. I would like this issue resolved. I told XXXX XXXX I was n't going through another month. I have even called her boss. I guess I need to call her bosses boss. Her bosses number is XXXX the subject on my email string is Documentation Request Case ID # XXXX. our loan number is or was Your loanDepot Loan Documents-XXXX