AdiOO7/consumer_complaints huggingface dataset:
Consumer complaint: Wells Fargo Bank closed my IRA CD in error and sent a check for the balance to another financial institution without my knowledge or written approval. This is the account that I had arranged to draw my required minimum distribution. When I discovered this error, I went to the local branch of Wells Fargo and asked the bank to place a stop payment on the check and reopen the IRA account they closed in error. They refused to place a stop payment, but stated they would request the return of the funds and treat it as a rollover, not a correction of the Bank error. 
When the check arrived at the other financial institution, they processed it to my IRA account with them as a direct transfer. At this point I decided it was in my best interest to leave the funds at the new institution. 
Even though the amount of the lost interest is minimal, Wells Fargo never offered to reimburse me for this loss. 
I have since requested a letter from Wells Fargo acknowledging their error for my records in the event of an IRS issue. To date, I have heard nothing from Wells Fargo. 

Company response: Company chooses not to provide a public response
Consumer complaint: Capital Management Services calls multiple times per day, but will not say who they are calling for at my number. When I return the call, they ask for my name and the last XXXX digits of my SSN, but I refuse to give them that information. I will gladly provide my phone number ( since they already have it ), but they can not cross reference a number to a person. They threaten to garnish my wages, but they do n't even know who I am. This can not be a legitimate debt collector. 

Company response: Company can't verify or dispute the facts in the complaint
Consumer complaint: Main borrower on the mortgage abandoned property XX/XX/XXXX, moved to California. 
Per Wells Fargo Home Mortgage in order to get loan modification solely based on myself I would have to obtain a Quit Claim Deed, which was obtained and recorded XX/XX/XXXX. 
The lender ( FHA /Wells Fargo ) are now insisting I provide them with more information pertaining to the other person on the loan ( abandoned party ). Which I have told them is impossible to do, we are no longer in contact with each other. Per Wells Fargo without this information they will be unable to assist me. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with national apartment complex holdings. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from XXXX XXXX, another collection agency. Subsequently and for a long period of time, XXXX XXXX ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency Alpha Recovery Corporation ( ARC ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to XXXX XXXX correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested. 

Company response: Company chooses not to provide a public response
Consumer complaint: When I vacated apartment to purchase a home, XXXX XXXX ( complex ) charged me for costs associated with maintaining a pet in addition to retaining the {$300.00} deposit. During this time the complex was acquired by XXXX XXXX, a large firm with XXXX. I paid the charges in full during the transition from XXXX XXXX to the acquirer, XXXX XXXX but the accounting systems between the XXXX did not account for all the payments made. I contacted XXXX at XXXX XXXX and the matter was resolved after getting harrassing calls and letters from Hunter Warfield, another collection agency. Subsequently and for a long period of time, Hunter Warfield ceased collection efforts on this previously paid debt. Now, recently they have apparently shifted collection efforts to yet another COLLECTION agency XXXX XXXX XXXX ( XXXX ), XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CO XXXX. ARC resumed collection activities on this paid obligation, calling my place of business and home and even my father 's home number in another state. I have written them and advised them to cease collection efforts, referring both to Hunter Warfield correspondence as well as that of XXXX XXXX the entity who has confirmed that the obligation is fully extinguished. Had XXXX XXXX proceeded with filing the claim on my renter 's insurance at the time, the charges would have been fully paid by the insurer. As a result, XXXX XXXX XXXX XXXX XXXX should in fact reimburse me {$720.00} in monies I paid as a result of them failing to proceed with filing a claim as requested. 

Company response: Company believes the complaint is the result of a misunderstanding
Consumer complaint: Regarding Experian Public Record on my Credit Report, I filed a chapter XXXX bankruptcy XX/XX/XXXX ( more than 10 years ago ) I filed a chapter XXXX bankruptcy, dismissed in XX/XX/XXXX ( more than 8 years ago ) **They are both still on my Experian 's credit reports. 
See documents attached below. Thanks much : ) 

Company response: Company chooses not to provide a public response
Consumer complaint: I financed a new car in XX/XX/XXXX with BMO Harris bank. I suffered job loss about a year later and was receiving numerous calls each day late at night from the collection company my account had been sold to. The collection company refused to take any partial payments I was able to make and frequently threatened me with law suits and seizing of property. Once I was able to begin making payments again, I made a payment of approximately {$3600.00} and set up automatic payments thereafter. Automatic payments were taken from my account as agreed upon for nearly two years until my account was bought back by BMO Harris Bank, at which time the automatic payments stopped with no communication or notification to me. It took a couple months for me to track down the correct contact information of the creditor and set up a new automatic payment agreement. For the next couple years thereafter, automatic payments resumed. I called from XXXX to XX/XX/XXXX to request written documentation of all payments made since BMO Harris bank does not provide any sort of documentation of payments made, digitally or otherwise, and also to inquire about settlement options. My then current account representative, XXXX, was out of the office and not available to take messages for approximately 2-3 months that I know of, so I never received any response- not even from other reps in the office. I was finally able to reach XXXX in XXXX, at which time she argued with me over my right to receive a response regarding my account. I requested the written documentation and also a new account representative. I also inquired about settling my account, but was given no options- only further argument. I never received the documentation of payment history I requested ( it was supposed to be mailed to me ). After speaking with XXXX in XXXX and having a new account representative assigned, XXXX more automatic payment was taken from my account on XX/XX/XXXX, after which my automatic payments stopped coming out of my account again. I contacted my new rep in XXXX to find out why the payments had stopped and again to request the payment documentation that had never been received. She responded that my automatic payments had been stopped because I had inquired about settling my account, although no options were given and no agreement had been made. She assured me that she had resubmitted the request for payment documentation to be mailed to me and set up my automatic payments again. My next automatic payment was made on XX/XX/XXXX, after which they have stopped again! It is now XXXX and I still have not received the twice requested payment documentation, and the bank still is not honoring our automatic payment agreement. 

Company response: Company chooses not to provide a public response
Consumer complaint: Violation HIPPA, PHI and California 's Medical Privacy StatuesIn reference to account # XXXXPlease be advised that under Federal Statutes the Fair Credit Reporting Act, ( 15 U.S.C. 1681 et seq ) and California 's Consumer Credit Statutes, you may be held liable for the following actions ( a ) Duty of furnishers of information to provide accurate information. 
( 1 ) Prohibition. 
( A ) Reporting information with actual knowledge of errors. 

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. 

In addition, the HIPAA and California 's Medical Privacy Statutes are in effect in this situation even though the health care services provided may have been prior to enactment. 

The Privacy Rules prohibits a covered entity from using or disclosing an individual 's protected health information ( " PHI '' ) unless specifically authorized by the individual or otherwise allowed under the Privacy Rules. 

In general, PHI encompasses substantially all " individually identifiable health information '' that is transmitted or maintained in any medium. " Individually identifiable health information '' includes health information that is created or received by a health care provider, health plan, employer, or health care clearinghouse, and that relates to an individual 's physical or mental health or condition, including information related to an individual 's care or the PAYMENT for such care. 

The furnishing of my account information is not in compliance with HIPAA, or California 's Privacy Act, and any subsequent reporting of this account on my credit reports to XXXX, XXXX and XXXX is a clear violation of Public Law 104-191 ( " HIPAA '' ) since there can be no permissible business purpose in divulging protected health information to anyone on an account once there is no longer any payment due. 

Company response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Consumer complaint: Just used XXXX to get my credit bureau report. Had a debt from XXXX showing up as unpaid and with a collection agency. I contacted the collection agency who provided me with the information to contact XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, CA XXXX, ( XXXX ) XXXX or ( XXXX ) XXXX, XXXXXXXXXXXX. I contacted XXXX and they said it was for an urgent care visit in XXXX for my son and since he is on my health insurance I was the guarantor of the debt. I have lived in XXXX for 11yrs and have not lived in XXXX since XXXX. I divorced my ex-wife in XXXX and our son XXXX lives with her in XXXX. XXXX said they mailed the bill to her, but when she called them they had a wrong address on file. We have both asked them to have this removed from my credit bureau when we pay the bill ( which is not a problem at all to do ) and they are refusing. The problem is NO ONE was ever notified of this debt, my ex-wife or myself and yet they are refusing to fix my credit bureau when I was not party to the debt or even took him to their urgent care facility. I feel as though I have been victimized and have a derogatory mark on my credit bureau with a date of removal of XXXX when I was never given the opportunity to pay the debt. Please help me as I am working to secure a loan to buy a house which is why I pulled the credit report to begin with. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I recently applied for a citi credit card.My application was denied since the bank ( citi ) stated that my address or phone number are located overseas.I am not sure where or how they got this information, I 've been residing in the US for the last 25 years and am a US citizen.The denial letter was sent to my home address I listed in the application which is obviously in the US and I am including it below as well as my phone number. 
I contacted citi to inquire how they determined that my address and/or phone number are located overseas but there were not able to provide me an answer. 
Would appreciate if you could look into this matter. 
Application ID : XXXX XXXX MD XXXX Tel : ( XXXX ) XXXX 

Company response: Company chooses not to provide a public response
Consumer complaint: GLA Collection agency has established XXXX consumer accounts, XXXX being reported to credit bureaus. This is in violation of the FDCPA and the FCRA statutes. 

Section 808 of the statute describes what would be considered unfair practices employed in the course of attempting to collect a purported debt. It begins by saying that the limitations described in the following section do not limit the object of the statute, that means that even though the debt collector might not haveviolated the literal language of a particular provision, if it can be shown that the particular collection practice was unfair or unconscionable, then it will be considered a violation of the Act. 

It further states that the debt collector can not collect any amount of money that is not permitted by law or by the agreement. Because there is no agreement between the collector and the alleged debtor, no collection can be sustained. 

The purported contract or agreement falls within a class of contracts or agreements required to be in writing. The purported contract or agreement alleged in the collection action is not in writing and signed by defendant or by some other person authorized by defendant and who was to answer for the debt, default, or miscarriage of another person. 

Since there is no consumer relationship between the collection agency and myself, the collection activity as well as the reporting of an actual account or accounts on behalf of the collection agency are unconscionable and illegal. 

Company response: Company believes it acted appropriately as authorized by contract or law
Consumer complaint: I have contacted this agency via mail, email, fax and the XXXX and they fail to correct their wrongs. I want to make sure i have gone through every channel in preperation for filing suit for providing false information and failing to protect my information. They list several inquiries that are not mine and i wish for them all to be removed. At this point i am not looking for nor have i been looking for any credit. All accounts on my report are reporting accurate and paid on time however the inquiries that have been made on my behalf by my ex wife is staggering. She has hacked my info on more than one occasion and re runs apps to destroy my credit rating because she was served with child support papers. TRANSUNION fails to take any action or help in any way. From what i can see all accounts look fine these bogus inquiries just need to be removed. 

Company response: Company chooses not to provide a public response
Consumer complaint: I had a account with suntrust bank. I made some deposits that were returned ( another source did n't have enough in the accounts to cover ) Suntrust placed the account on hold. This at the time was my main source as far as banking was concerned. So my employer deposited my pay check into the account. Suntrust refuses to release any part of the deposit. Even if the original items ( that put the account on hold ) were far less than the payroll deposit. I called everyday and was told something different every single day. Now here the kicker the account is on hold, so things that were in auto pay would try to go through. More than enough money to cover the charges but Suntrust sent back the items unpaid and charges {$36.00} each time. So not only was my funds unavailable to be and they would n't release them they also was charging me fees. 

Company response: Company chooses not to provide a public response
Consumer complaint: I am aware that I owe the debt, originally to XXXX. On the first call to me by the Debt Collector, Credit Management, LP., I entered into a monthly payment arrangement, making the first payment during this conversation. After that I began receiving phone calls beginning with the usual caveat about the conversation being recorded, etc. Finally I had had enough and I told the caller I was current with my payments and to stop harassing me. Now I am receiving one or two calls a day. My caller ID shows the phone number XXXX and the location " United States ''. If I answer, there is no one there or occasionally I hear voices in the background. My current balance is approximately {$50.00} which I will pay in full when I receive my Social Security payment. The collection agency is Credit Management , LP XXXX XXXX XXXX, XXXX, TX XXXX. I hope my credit is not damaged by this collection company since I am making payments. Thank you. 

Company response: Company disputes the facts presented in the complaint
Consumer complaint: My problem is with Citibank credit cards ; in particular, it is about paying a Citibank credit card with a XXXX XXXX checking account. To clarify, I have XXXX Citibank credit cards that I tried to pay : a Citi Forward card and a Citi Double Cash card. In XX/XX/XXXX, I changed the bank account that I use to pay for my Citibank credit card. The bank I had previously used was a Citibank account, but I switched to a new, XXXX checking account. I verified this new bank through Citibank 's online verification process, and I was able to pay other, non-Citibank cards with this XXXX checking account. However, when I paid my XX/XX/XXXX Citibank credit card bills, my payment was rejected, and I was charged a " return check fee '' by Citibank. This meant that my payment was late and a late payment was most likely reported to credit bureaus, even though this checking account had been used to pay off other non-Citibank credit cards. When I called Citibank, they told me that they had tried to access my XXXX checking account, but that XXXX had told Citibank that my checking account was frozen. However, when I called XXXX, they had no record of Citibank ever even trying to access my checking account, and they confirmed that my account had never been frozen before. As such, I called Citibank back and asked them to send me proof that they had tried to access my XXXX checking account and gotten a " frozen '' response back from XXXX. It took them weeks to get me the letter of proof, and when it arrived, it did n't have any information about a XXXX checking account or anything I could show to my XXXX Bank to get to the root of the problem. At this point, I do n't know where to turn, because it seems like Citibank had an error on their part that made them unable to contact my bank, and they 're blaming me for that error. 

Company response: Company chooses not to provide a public response
Consumer complaint: I deposited a check for {$7500.00} in my checking account at Wells Fargo Bank. The check bounced. Wells Fargo deducted {$15000.00} ( that is, the {$7500.00} check amount was never added to the balance ; when the check bounced, {$7500.00} was deducted from the account ) from the account and added about {$2300.00} from my Wells Fargo credit card to create a positive balance. The agent I spoke with on the phone had no idea how to handle the problem. I went to my local branch and spoke with the manager. At first he was n't interested in doing anything about the problem and called the XXXX {$7500.00} a " pledge. '' He was unable to explain what a pledge was. I was outraged. He finally adjusted the amount to show the proper checking account balance including repaying the credit card and assuring me I would not be charged an advance fee. 
This cost me 3 hours of my life and a great deal of aggravation. It is my feeling that if a bank can penalize a customer for a mistake, then a customer should be able to penalize the bank for a gross mistake ( which was apparently standard practice and not a mistake, a purposeful violation of a customer 's rights ). Should I take this to small claims and ask for punitive damages? What can you do? 

Company response: Company chooses not to provide a public response
Consumer complaint: I applied for a credit card in XXXX with Sears at their location in XXXX XXXX, Maryland, address XXXX XXXX, XXXX, XXXX, MD XXXX. I used the card to make a small purchase because it provided a discount. The purchase left me with a balance of {$33.00} on the credit line. Because I used the credit line before the card was issued and mailed, I was not able to pay the balance right away, but ten days later I returned to the store and went through a store attendant to pay the balance on my card. I paid with {$40.00} in cash. I have recently received a statement in the mail claiming that my balance was never paid, and there is now a late charge of {$27.00} and a minimum interest charge of {$2.00} in addition to the remaining balance. In order to rectify this, I request that the Sears credit card company negate my owed balance and work with you to investigate the location. That address again is Sears, XXXX, XXXX, MD XXXX. 

Company response: Company chooses not to provide a public response
Consumer complaint: I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence. 

Company response: Company chooses not to provide a public response
Consumer complaint: I reviewed a copy of my credit report and the companies below ran an unauthorized credit inquiry on me on date provided. 
XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXI never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact each company and investigate such occurrence. 

Company response: Company chooses not to provide a public response
Consumer complaint: Predatory Loan with Franklin Credit took a XXXX loan out XXXX 2006. Paid a total of XXXX on a XXXX 15 year loan. The Principal on this loan has not gone down. Still owe XXXX the original interest rate on this loan was 13.750 % the interest rate and the monthly charges fluctuate. 

Company response: Company believes it acted appropriately as authorized by contract or law