davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-18
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I am writing to the CFPB as the effective, judicial, legal and prosecutorial agency to enforce the DODD-FRANK LEGISLATION AND FEDERAL RESERVE REGULATIONS, RULES AND GUIDELINES AND LEGAL INTERPRETATIONS OF ALL THE AFORE -MENTIONED. 
I ALLEGE HERE AND SUFFICIENTLY PROVE WITH A PREPONDERANCE OF EVIDENCE THAT BANK OF AMERICA VIOLATES REGULATION CC, INTENTIONALLY BY ORGANIZED, COMPUTERIZED SYSTEMS THAT BANK OF AMERICA DOES SO IN ORDER TO PROVIDE THEMSELVES A HIDDEN ILLEGAL PROFIT CENTER TO BENEFIT THEMSELVES WHILE SECRETLY DEFRAUDING THEIR CUSTOMERS. 
INCLUDED HERE are the final levels of appeal ; are OCC opinions devoid of legal merit and discretion.The OCC knows where their " bread is buttered '' .Is not the OCC completely and totally funded by member banks? Is not Bank of America the largest depositor bank in America and therefor likely one of the highest contributors to the OCC 's payroll and infrastructure? 
The final opinion of the OCC is that Bank of America can cash and hold checks by whatever Bank of America " feels '' and that the disclosure contract of accounts says Bank of America can '' feel " like not cashing a check, regardless of Regulation CC. 
I allege the criminal, computerized, activity of not cashing checks is dictated by Bank of Americas " feeling '' that they need " to play the float '' with these checks to make profit, however hidden and illegal it could be. 
The Disclosure Booklet is likely necessary to be approved by regulators and as such would be wrongful if it allows Bank of America to " feel '' or " not feel '' like cashing a check. 
Included here is the FEDERAL RESERVES LEGAL INTERPRETATION OF THIS " FEELING '' THAT BANK OF AMERICA WOULD HAVE TO ATTAIN THAT A CHECK COULD BE HELD to " play with the float. '' Bank of America does not meet this legal bar set by the Federal Reserve. BANK OF AMERICA 'S '' feeling that a check will be returned unpaid '' is the analogous equivalent that " pedestrians who cross busy streets may be hit by cars. " Bank of America does not meet the explicit standard of the Federal Reserve for their " feelings ''. 
Bank of America " feels '' like they need profit, legal or otherwise.This extraordinary statement while seeming like an exaggeration is proven in the attachments here. 
Bank of America like XXXX XXXX is guilty of organized criminal activity to defraud customers.
Consumer complaint received 2020-02-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc. (MA)

The credit limit on the XXXX/XXXX XXXX account on my credit report is not listed please provide this. If it cant be provided delete the account.
Consumer complaint received 2020-01-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (SC)

I am aVICTIMof off base/strange/invalid/obsolete as well as conceivably even false deception. This condemning of themis-announcing/mis-informationaffidavit is to declare my direction that you, asregulated, produce physically countersferfederal laws of my debates or acknowledge and encourage my solicitation that you either erase/or obstruct at any rate the accompanying unsubstantiated/yet-avowed/obsolete/distorted/consolidated/unrecognized/and additionally fake data from my credit record. I request to be persuaded ( as ordered ) that you can sufficiently confirm in imperative correctly how the falsehood come to occur if even by any stretch of the imagination, with my insight AND approval recorded as a hard copy of any individual/people/or substances that may be certainly mindful or even that I genuinely got any cash, products, or administrations because of the contested deception ofINACCURATE MISINFORMATION/UNVERIFIABLE and INVALID INFORMATION/POSSIBLY FRAUDULENT data or potentially even conceivable of Identity Theft thus myutilzationof this controlled Identity Victim 's Complaint and Affidavit
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Machol & Johannes, LLC (RI)

The credit card was opened for my Company, XXXX  XXXX XXXX and was not personally guaranteed by me. Once I closed the business in XX/XX/XXXX the card remained on my personal credit report. I hired a lawyer, XXXX and XXXX in XX/XX/XXXX to contact XXXX XXXX to require them to prove I was the personal guarantor. They were unable to do so, stating that the collector for XXXX XXXX admitted they couldn't prove I was personally liable. 

This was a company card, NOT a personal account.
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: ENCORE CAPITAL GROUP INC. (PA)

I have been trying to contact this company on multiple occasions and no one has returned my phone calls. I have been trying to resolve this debt by getting on a payment plan because there is no way that I can pay the full amount in one pay and Im also not sure the the full amount is correct. All I keep getting are threatening letters that I can not contact the company and they are taking me to court to sue and Im sick of being harassed by a company that I have never even spoken with so how can I trust that the debt is even valid with them. The company is Midland for XXXX XXXX and the amount is XXXX. Im sick of being harassed and not being able to get this under control all my other debt is being handled but this one.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A. (CA)

Citi card turned on what was supposed to be an optional fee for credit protection services without asking if we wanted it. We had no idea that there was extra money being charged every month for a service that my wife and I never wanted and never agreed to. The company refuses too take any responsibility, saying it's on us to inspect our bills and see if they have added any new services without permission. We've been struggling for the last few years to pay off our debt with this company and the extra money that was going to the credit protection services is a direct cause of us not being able to get this debt under control. They can't or won't provide any proof that we agreed to the optional service. We never did.
Consumer complaint received 2020-01-18
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A. (IL)

I have had a checking account with Citi Bank for almost a year now. But I rarely use the checking account. So imagine my surprise when one day I looked at the account just for fun and giggles and see that my account was overdrafted XXXX because I did not have a balance of more then 1,000.00 for the month. Now keep in mind that when I originally opened my account with Citi Bank I told them that I would likely not have that amount every month because I would primarily use that account for XXXX etc. I was told that was fine because this is a total free checking. So imagine my surprise when I found out that I was overdrafted. Not because of my bad budgeting but because of Citi Banks Misrepresentation. So when I called to request a reversal of the overdraft fee that was not due to my lack of budgeting etc. I was told No because this account is required for me to have a minimum balance. And when I explained that I was told that this was a total free checking. I was still told that he would not be able to waive the fee. So I told him to close the account because this company is very misleading!!! Now yesterday just so happened someone XXXX me money not realizing that I no longer banked with Citi. ( So I thought ) because again I told them to Close my account. So in a panic i checked and what do you know!! The account was still open and they took another XXXX fee out!!!!!!!!! I am livid!!!! Especially when this account was suppose to be closed months ago!! Totally not okay!!!!!!!!!!!
Consumer complaint received 2019-04-03
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: CAPITAL ONE FINANCIAL CORPORATION (NJ)

Case Number : XXXX Merchant : XXXX Date of Transaction : XXXX Disputed Amount : {$31.00} Please be advised that I continue to dispute the above referenced case number, neither myself or anyone else authorized by me has signed for nor received the merchandise/services included in my original dispute. Someone hacked my account at this merchant and impersonated me. If you " XXXX '' this merchant and the word lawsuits or complaints, this merchant has a terrible reputation and has several XXXX dollar lawsuits alleging fraud by the merchant. 
The documentation page provided by the merchant is insignificant in the following ways : The merchant " cut and pasted '' a boiler plate reused statement concerning the terms and conditions of service. This is not applicable to me since I never signed up for this service on XX/XX/19 nor authorized anyone, my account was hacked at this merchant. 
The merchant claimed that I did not cancel the subscription. This is not applicable because I never knew about the subscription. 
Based on the inadequate information provided by the merchant, please continue the above captioned billing dispute.
Consumer complaint received 2020-01-17
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$4500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT -- 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4500.00} -This is not my account.
Consumer complaint received 2020-01-17
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (NV)

I paid several mortgage payments to my loan servicing company to pay off the loan before the end of XX/XX/2019. My last payoff was {$1900.00} including the loan recording fee of {$98.00}. I paid an additional {$5.00} and a payment of {$1900.00}, just to make sure the interest was overpaid. I called up Rushmore Loan servicing a few days later and they applied the payment to the XXXX payment and put the rest of the money into a suspense account. They told me the next payment is due in XXXX XXXX. I told them the loan was paid in full according to the payoff amount I received. I spoke to many customer services reps and each morning I checked the account, there was a different balance. Rushmore applied all the payments in XXXX to XX/XX/XXXX-XX/XX/XXXX which affected the interest and the escrow. My escrow balance was over {$300.00} in the middle of XXXX and in XXXX it dropped to {$170.00}. Very confusing since I pay the taxes and insurance. I was supposed to have my title in my possession by the end of XXXX XXXX, because I had a buyer for my residence. I called up Rushmore each day, but very little response. The buyer got frustrated with me and went elsewhere.
Consumer complaint received 2020-02-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC (DE)

HI, I have several problems with this company that need to be resolved. I contacted this company XX/XX/XXXX by phone to discuss an annual disclosure account letter that i received dated XXXX stating that there was an escrow shortage due on our account for {$130.00}. it mentioned that our payment would increase to {$1600.00} if it wasn't paid and it would decrease to {$1600.00} if the shortage was paid. Then we received our annual tax statement around XX/XX/XXXX showing that we have an escrow tax refund {$57.00}. We would like to know what happened to this refund as we never received it. And how do we have a shortage on our account and then we received our annual tax statement showing we have a refund. 

Second problem I contacted the company by phone XX/XX/XXXX also to discuss the late charges balance that is sitting on our account. Every time I go to setup up or monthly payment it shows an amount of {$230.00}. I had the rep review our account and i advised the rep the only time that I was aware that our payment was late was back in XXXX when we try to have our payment deferred due to us experiencing a financial hardship due to XXXX having XXXX in XXXX which caused us to get behind in our bills. The company wasnt able to offer us any programs and said we didnt qualify for any. Luckily we were able to borrow the money from our parents and catch up our mortgage. I called the rep over the phone back in XXXX before i made our payment and was advised that they would waive the late charge in return for me making the mortgage payment which i did. The rep that i talked to in XXXX said we were also late in XXXX which i wasnt aware and I kindly asked the rep to waive the late charge which they did. We had a total of {$110.00} of late charges waived on our account. I sent an email to loancsare for someone to review our account. However the document that we received does not show {$230.00} in late charges. There is a balance of {$170.00} on our account that loan care can not explain where it came from. We would like this removed. I have attached all the documents that we received from loancare. We would like this resolve asap as everytime we directly try to reach out to loancare the issue doesnt get resolved. Which is the reason we are filing a complaint with the consumer protection bureau.
Consumer complaint received 2020-01-18
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: AMERICAN EXPRESS COMPANY (CA)

This Collection agency represented by the three lawyers have violated the consumers protection rights. XXXX XXXX, XXXX XXXX XXXX, XXXX They have GANISHED MY FULL WAGES from MY account. This is a violation. Please address this matter as a true representative of the United State of America. 

The assumption held by many is that, once a debtor is found, the creditor can seize or freeze any of the debtors assets in order to cover the cost of the debt. That is a false assumption. The Fair Debt Collection Practices Act ( FDCPA ) is a national regulation that makes certain assets exempt from the credit collections process and protects the consumers from harassment by creditors and debt collectors. 
Earned income The amount of earned income that is exempt from collection depends on a number of factors, including the minimum wage, the debtors take home pay, whether or not they receive SSI or PA and the amount of your disposable income. The simplest translation of this exemption is that there is never a time that all income can be garnished to pay off past due accounts. In fact, federal law will allow for wage garnishment only up to 25 % of the net income. Like all other garnishments, this requires there to be a judgment against the debtor before taking effect. 

My husband ( XXXX years old ) with increased health problems XXXX XXXX XXXX XXXX XXXX ) does ride-share so we can pay our mortgage payment timely. 
Myself, due to severe health condition ( XXXX XXXX XXXX ) has not able to work for the past few years. 
XX/XX/XXXX/ XX/XX/XXXX, when the real estate market crashed both my husband and I had lost our jobs.

We used our reserves to keep up with the increasing mortgage payments and
credit card payments.

But shortly after, we were bankrupt and could not make our payments on our mortgage or credit cards. 
In XX/XX/XXXX, our income had improved and we were able to get an affordable modification. 
Since then, we are able to make our mortgage payments but not able to pay any other debts.
Consumer complaint received 2020-01-18
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: WELLS FARGO & COMPANY (TX)

On XX/XX/2020 I was " accidentally '' informed by Visa XXXX Supervisor ( id # XXXX ) and WellsFargo bank rep, that Visa has a Merchant product ( Visa Account Updater ) when I questioned a charge on my account that should not have been processed because the Merchant did not have my new credit card number. 
The Merchants financial institution ( bank ) has the ability to gain access to card holders new card information without Visa notifying, verify, confirming or getting authorization from the card holder ( consumer ) that new card information can be provided to the Merchant. 
Not only does this violate the card holders privacy rights and leave them susceptible to fraudulent activity ( loss of funds ) in the consumers bank account, identity theft and possible assault due to Visa blatant neglect to involve & /or notify the consumer in this process. If the government ( IRS ) is required to notify persons of any withdrawals, whether forced or agreed, Visa and financial entities  should not be allowed to violate a consumers protection by creating a Merchant tool & using it without consumer knowledge provided. Credit card companies and financial institutions to be required to make this merchant tool & process information clearly identified upon inquiring/set up of reoccurring or credit card payments instead of purposefully being vague in a disclaimer and or privacy statement regarding the sharing of consumer information. 
By not clearly informing the consumer it takes away the right to choose payment options ( check, credit card phone ) that may better protect their identity and account fraud activity. Also Wells Fargo, Visa, nor the Merchant that request this information, have this tool and the process the financial institution perform on their site as consumer information/awareness and it is not on privacy policy statements regarding how this information is shared. This tool/product clearly contradicts a portion of Visa privacy information which in turn violated my privacy rights and the ability to protect and sharing my information without my consent.

I feel extremely violated and disregarding as a consumer.

Visa- For security reasons and to prevent unauthorized disclosure of personal information, cardholders should contact their payment card issuers to access their Card Transaction Data. This helps ensure that access to the information is only provided to the authorized individuals, subject to the issuers verification processes
Consumer complaint received 2019-04-04
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Cooling & Winter LLC (GA)

Cooling and Winter, LLC., Whom are representing XXXX XXXX in this case, have executed a judgement against me that was issued in XX/XX/XXXX and began a garnishment of my wages XX/XX/XXXX with an alleged balance owed of {$4300.00}. Through investigation, I learned that the statute of limitations on executing a judgement in GA. is 7 yrs. but can be re-newed forever as long as the request is submitted and granted from the court. After unsuccessful attempts at getting much info or documentation from Cooling and Winter, I contacted XXXX XXXX and was told by guy handling this case that the balance was now {$6800.00} with an explanation of the nearly {$2500.00} difference that accrued in less than 2wks. from the balance that was given on forms sent to my employer to begin garnishment was due to interest and other fees and that a lump sum of {$4000.00} was the best offer available to settle the debt. After this, I searched the court records on-line and found that after the judgement that was issued in XX/XX/XXXX, the next and only other records the court has are the XX/XX/XXXX documents that started the garnishment process. I called immediately and spoke with a representative from the court who confirmed that the documents shown on-line were the only documents recorded. No record of Scire Facias or anything indicating that the judgement was re-newed. She even updated them, adding my middle initial because of high volume of cases that share my same name. A judgement has been illegally executed after the SOL expired, my wages are currently being garnished because of it and through my experience and investigation, have realized this is not uncommon practice for Cooling and Winter and I believe XXXX may have to answer for their role in this as well.