vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
I requested a distribution of a voluntary savings plan managed by Wells Fargo Bank - Retirement Services. 

I am not a resident, tax resident, or citizen of the United States of America. 

I am a XXXX tax resident, and a national of XXXX. A copy of my passport was included in my distribution request. The XXXX had my XXXX permanent address, along with my XXXX tax ID. 

In XX/XX/XXXX when the distribution was made, Wells Fargo incorrectly withheld thirty percent of the interest. Wells Fargo called the distribution - a non-resident single sum benefit. 

My instructions ( on both distribution request forms and the XXXX submitted several months earlier ) were to withhold 0 percent in line with the international tax treaty table ( see column 1 ), and advice I had been given by the ( very helpful ) IRS International Team. 
https : //www.irs.govXXXX I do not have a US social security number. I have never paid tax in the US. 

The Wells Fargo distribution and processing teams I spoke to on the telephone advised that the 30 percent Federal Withholding of interest was their internal legal policy for two reasons : 1 ) I have a simulated social security number from my employer, the IMF The simulated social security number is IMF staff number ( XXXX+my staff ID number ) 2 ) It is a lump sum payment For reference, the address on the check attached was a previous and out-of-date address. I lived at that address until XX/XX/XXXX when an employee of the IMF.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Recently, I, XXXX XXXX XXXX was contacted by Transunion and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to engaging in a settlement for improper reporting that may have been done by Transunion. However, I, XXXX XXXX XXXX did not agree with the settlement and did not agree with what was being reported and/or was missing from my credit report. Therefore, the request is an effort to reconstruct the credit report of XXXX XXXX XXXX. Attached are receipts from two different XXXX XXXX XXXX  Credit Card accounts. One XXXX   XXXX XXXX  Credit Card was discharged in a Chapter XXXX Bankruptcy. It was however in " good '' standing. The most recent XXXX XXXX XXXX   Credit Card was a reestablished credit card after filing Chapter XXXX and was agreed to be paid off outside of the Chapter XXXX Bankruptcy filed in XX/XX/2012. The account was paid as agreed until I was notified by my attorney to not make another payment because there had been a claim filed with the bankruptcy court. The account for that particular card is on the electronic check in the Re : section with the amount being paid as {$510.00}. The bankruptcy trustee report indicates that {$150.00} was paid to XXXX XXXX that alleged collection on behalf of XXXX. This amount was in addition to the payment made by XXXX XXXX XXXX. 

The effort to reconstruct my credit report is to show that there was a positive history of paying creditor ( s ) despite having two bankruptcies that I was likely induced into because on each occasion my credit score was 650-680 or above going into bankruptcy and now it is likely 400 or less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against XXXX XXXX XXXX XXXX for XXXX XXXX  failure to provide requested information for the debt alleged. XXXX XXXX has been attempting to collect on a debt that consumer does not recognize. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d.  Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/18, XXXX XXXX responded with original statements for the debt alleged ( attached below ), but none of the requested documentation, including a chain of title showing ownership of the debt by XXXX. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC LN XXXX XXXX XXXX XXXX XXXX, XXXX XXXX CA XXXX XXXX and XXXX XXXX We started a short sale on XX/XX/18. PNC is the 2nd TD. PNC is refusing to return any of our requests for a callback, will not give us status updates on the short sale, and we are currently at a standstill because they are claiming that the negotiator is unavailable and have NO idea when he will be back. They apparently are grossly understaffed, as they have no one working his files while he is gone. Neither the front-end nor management can tell us anything that is going on with this file and they have had this file for OVER SEVEN MONTHS. We have met all their demands and have no idea why they are still delaying the process. 

Again, this is a 2nd TD, and we are at the end of another round of 60 days worth of approvals from the 2nd TD. We just want someone at PNC to answer us. This dysfunction is an ongoing problem with PNC as a whole, to the point that it is obvious it is by design. It is done on purpose to obstruct their own clients ability to obtain a resolution to Retention Options. We just want a response from PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
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: EQUIFAX, INC.
State: TX

Complaint narrative:
Requested from XXXX accounts Resolutions exhibit C date XX/XX/2018 they could not show any evidence on this alleged account but claimed they bought it, no contract no evidence its my account they then reported CRA 's with out proper validation as I requested.I have not received confirmation on how you have verified the alleged account attached in Exhibit C and therefore request that you consider this a final notice to your offices. Past this point, The CFPB will have authenticated sworn testimony from my end which I would gladly present in court if need be as evidence of my trying to rectify the subterfuge that you are reporting.I have not received confirmation nor certified testimony that your offices complied with the FCRA and all it's mandated rules when it comes to reporting accurately. Therefore you are to present to me with a certification in testimony that the alleged account presented in Exhibit C are in fact compliant and not subterfuge?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: NJ

Complaint narrative:
XX/XX/XXXX at XXXX closing we were short XXXX dollars had to call loan officer ( still have names ) for help Attn 's left my family in the parking lot with nowhere to stay.How could this have happened! Forgeries of my signature on mortgage docs. Nationstar/ Mr Cooper/ . XXXX is law firm for plaintiff. My XXXX yr young daughter suffering from XXXX XXXX is receiving calls from a " XXXX '' from XXXX attn 's asking for information on her deceased mother she has no ties to mortgage ( have saved messages ) pure predators I am XXXX suffered from XXXX XXXX XXXX XXXX for decades have all its XXXX  XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX in XXXX, XXXX XXXX since XXXX, when my daughter started to be harassed I had to write. Illegal behavior ...? taking care of my daughter she had to leave a mold infested apartment in XXXX XXXX NJ her XXXX XXXX   XXXX she does not need this assault from some outside XXXX and XXXX legal team. It's hurt my daughter she is scared now about strangers calling

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GREAT LAKES
State: IL

Complaint narrative:
On XX/XX/2008, a Parent Plus Loan was disbursed with me as the co-signer. The problem is that on that date I was a minor. I was only XXXX years old at the time and therefore I was legally unable to cosign the loan. My signature is of no value. It was the responsibility of Great Lakes to run my social security number and deny my co-signing before securing the loan. Not only is this unethical but it is illegal as well since minors can not legally cosign for loans. This was a mistake on behalf of Great Lakes and it needs to be corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Conn's, Inc.
State: AZ

Complaint narrative:
Back in I believe between XX/XX/XXXX or XX/XX/XXXX- XX/XX/XXXX I can not recall the actual date of the payoff but the payoff was made in two payments. When we called Conns and spoke with a Conns Team member she researched and found that the payments at one time where being applied to my husbands account. They told me and my husband that they were going to research and find the payments and get back to us and they never got back with us. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Perfection Collection
State: NC

Complaint narrative:
A company called Perfection Collection just reported two collection accounts on my credit report for {$2700.00} & {$2500.00}, respectively. Prior to these accounts appearing on my credit report, I did not receive a notice of my right to dispute. I understand that this is a violation of federal collection law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Wednesday, XX/XX/XXXX, I was informed of an incorrect item reported on my credit. XXXX XXXX XXXX XXXX, Acc # XXXX opened XX/XX/XXXX, reported XX/XX/XXXX. Amount {$28000.00}. XXXX XXXX CLOSED. In XXXX my wife passed ( XX/XX/XXXX ) I had a rental that tenants had damaged, I was told by insurance I did not have a claim, I was to sue civil. The tenants had nothing to attach. I couldnt do that. I stopped paying on the house, begging the ban to take the house back ( we had a deal, they loaned me the money for the house & if I didnt pay they would take the house back. One year after not paying on the house it was sold at auction for $ XXXX.For the TAX year XXXX I was sent a XXXX c/w this. ( Attached ). I called the sender, they said this ended it. I paid taxes on over {$35000.00} for that tax year. NOW that I can not amend that tax return this " XXXX '' company found out about a public record, and is reporting it on my credit after 6 years just to try to make a quick buck. It was settled in XXXX. I disputed it, but Experian said the proved it was a goood debt. It isn't. I talked to a banker about possibly buying a new home. He checked my credit and found this. Only one agency reports this. My credit report is EXCELLENT! everywhere else. Please help me,, Thanks

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Enterprise Systems, Inc.
State: CA

Complaint narrative:
They called me at work which I live in the state of California which states that they can't call you at work which they did knowing that I work at a XXXX and XXXX XXXX XXXX. 
This incident happened XX/XX/19 around XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Recently, I, XXXX XXXX XXXX was contacted by XXXX  and/or it's attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to engaging in a settlement for improper reporting that may have been done by XXXX. However, I, XXXX XXXX XXXX did not agree with the settlement and did not agree with what was being reported and/or was missing from my credit report. Therefore, the request is an effort to reconstruct the credit report of XXXX XXXX XXXX. Attached are receipts from two different Capital One Bank Credit Card accounts. One Capital One Bank Credit Card was discharged in a Chapter XXXX Bankruptcy. It was however in " good '' standing. The most recent Capital One Bank Credit Card was a reestablished credit card after filing Chapter XXXX and was agreed to be paid off outside of the Chapter XXXX Bankruptcy filed in XX/XX/2012. The account was paid as agreed until I was notified by my attorney to not make another payment because there had been a claim filed with the bankruptcy court. The account for that particular card is on the electronic check in the Re : section with the amount being paid as {$510.00}. The bankruptcy trustee report indicates that {$150.00} was paid to XXXX XXXX that alleged collection on behalf of Capital. This amount was in addition to the payment made by XXXX XXXX XXXX. 

The effort to reconstruct my credit report is to show that there was a positive history of paying creditor ( s ) despite having two bankruptcies that I was likely induced into because on each occasion my credit score was 650-680 or above going into bankruptcy and now it is likely 400 or less.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Recently, I, XXXX XXXX XXXX was contacted by XXXX  and/or it's  attorney ( s ) XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, VA XXXX in regards to engaging in a settlement for improper reporting that may have been done by XXXX. However, I, XXXX XXXX XXXX did not agree with the settlement and did not agree with what was being reported and/or was missing from my credit report. Therefore, the request is an effort to reconstruct the credit report of XXXX XXXX XXXX. Attached are receipts from two different XXXX XXXX XXXX  Credit Card accounts. One XXXX   XXXX XXXX Credit Card was discharged in a Chapter XXXX Bankruptcy. It was however in " good '' standing. The most recent XXXX  XXXX XXXX   Credit Card was a reestablished credit card after filing Chapter XXXX and was agreed to be paid off outside of the Chapter XXXX Bankruptcy filed in XX/XX/2012. The account was paid as agreed until I was notified by my attorney to not make another payment because there had been a claim filed with the bankruptcy court. The account for that particular card is on the electronic check in the Re : section with the amount being paid as {$510.00}. The bankruptcy trustee report indicates that {$150.00} was paid to XXXX XXXX that alleged collection on behalf of XXXX. This amount was in addition to the payment made by XXXX XXXX XXXX. 

The effort to reconstruct my credit report is to show that there was a positive history of paying creditor ( s ) despite having two bankruptcies that I was likely induced into because on each occasion my credit score was 650-680 or above going into bankruptcy and now it is likely 400 or less.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: Comerica
State: CA

Complaint narrative:
This complaint is about XXXX government benefits card, issued by Comerica bank. I had such a card in XX/XX/XXXX, and I stopped using it for my XXXX XXXX XXXX direct deposit, as I switched to XXXX XXXX. In XX/XX/XXXX I closed my XXXX XXXX account, and contacted XXXX to start again. My previous XXXX   account had a balance of XXXX cents, so rather that re-sign me up, they issued a new card. The representative told me they could ship it for free, or charge me {$13.00} for expedited shipping. Since I had already called Social Security and I knew my XX/XX/XXXX XXXX  payment was going to be by mail, and paper check, I told her No, I do not need or want expedited shipping. She sent it that way anyway, and my XXXX  balance is now -XXXX ( negative, which is the {$13.00} fee minus the XXXX  cents that wase in the account. ). I have called Social Security, The U.S. Treasury, XXXX   at least 8 times. XXXX submitted a claim, but eventually told me they saw no evidence that I did not ask for expedited shipping. I recorded the call, and have offered that recording to every agency I contacted, and I get NO response. I even went to a local branch of Comerica Bank, on XXXX XXXX in XXXX XXXX, and they advised me to close the card. BUT I AM NOT allowed to close the card, since it has a negative balance!!! I WANT MY {$13.00} back!!! I want someone to listen to this phone call, and hear me explicitly decline expedited shipping!!! I even explained to the representative that there was no point, since I was expecting a paper check in XX/XX/XXXX!!! Please help me!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: ALLY FINANCIAL INC.
State: PA

Complaint narrative:
I purchased this vehicle XX/XX/2018 under the impression that there was a 3 day return policy which was advertised on the website and conveyed to me prior purchased. I returned the vehicle XX/XX/2018 they then advised me that the warranty didnt apply to this vehicle which I was unaware of. I took the car back and they threatened me that my credit would be at risk. They refused to take the car back and basically forced me to take the car after I advised them I didnt want the vehicle. They forced the vehicle on me only to find out there was over {$1500.00} in repairs that was undisclosed. And this was discovered 2 days after purchase. I want them to take back the loan and to make me whole again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
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.
State: MO

Complaint narrative:
All 3 reporting agencies, plus XXXX, XXXX, and a number of others. I am XXXX and XXXX and have had criminal investigators from the US GOV helping me from 2 field offices and, the IRS, State and local law enforcement. In XX/XX/2013 my identity was stolen and my tax return was never delivered to me. They re-routed it to Texas and then north where it was cased. The CI 's worked on this for 4 years and finally had so many other cases they threw in the towel. Well, these crooks have destroyed my life. I have nothing left except earning my XXXX XXXX XXXX at XXXX. I cant get a car, house, credit card, not even a secured one. There are almost 700 inquiries on my reports and I dont recall instigating any of them. I have to live with my parents and have since this happened. They ruined my computer, tapped into my cell phone, stole my information off both of them so trying to go to XXXX  I am using my grandmas little bitty laptop and a pre-paid phone. My life was stolen from me and they are still doing it. I cant live like this anymore. Life has no meaning anymore and the credit burieas dont really care. Ive contacted them every year, put freezes on my accounts and they all 3 still let people  do inquiries on my reports. I want a clean slate. I am the victim and didnt ask for this.Thank You

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation