vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
I am a TD bank customer and deposited a payroll check on XX/XX/XXXX through the mobile app in hopes that my funds will be available next business day as they said. On XX/XX/XXXX, I checked my account and not only are the funds not available but they are on hold for six days. I called the customer service XXXX where they advised me to go to a branch and speak to a branch manager. I go to the branch located located at XXXX XXXX XXXX in NY, I explained my issue to one of the personal bankers and she also advise me to see the branch manager that comes aXXXX XXXX. I returned to branch at XXXX to speak to the branch manager and it looks like everyone was hesitant to even ask her/him to see me. I speak to XXXX who tells me she will take my information and pass it along to the manager and I will hear from them within 3 hrs. About two hrs passed and they told me they are unable to help and to try to another branch with no further explanations. Now I am frustrated because I did as I was told and the branch did not provide with any answers or services. TD bank praises themselves as to be the most convenient bank but yet no one is able to help. I called back the XXXX customer service and told me the same story I need to speak with XXXX. I go to another branch located in XXXX XXXX XXXX, and speak with XXXX who told me the branch XXXX was not available and due to the fact that it was XXXX in Friday night, I need it to return on Monday morning. Now my frustrations are on high level since first no one could give me a straight answer as to what's going and how can I be help, no one attempted to even help me with my issue, XXXX at the XXXX XXXX advised that it is best to cash your check rather than to use the features that HIs bank TD offers. It seems that branch managers doesn't work past certain hours, therefore if you an an issue you just have to deal with it on your because they are unable to do so. I am very frustrated at this incident. TD does not hold their vision as to being the most convenient bank and yet I have not found one employees that could help me. I am very disgusted at the matter. They are misleading customers as to their vision and customer service.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
I have a mortgage with suntrust bank. My home was damaged during hurricane XXXX. It took me 8 months to receive a settlement from my insurance company. The check in the amount of {$100000.00} ( approx ) was made payable to myself and suntrust bank. 
They have been holding these funds since XX/XX/XXXX. I have spoken to them almost everyday and every day they have an excuse as to why they will not release these funds to me. Everyday they have another new policy or a policy change that must be met before they can release funds. 
On their loss mitigation page it clearly indicates the steps to follow and the timeline to receive funds. But in reality this is not true. They claim they process documents within 2-3 days and release funds up to {$40000.00}. But when I speak to the representative they say that it not true despite it stating so clearly on the website. 
I believe Suntrust is deliberately withholding payment so they can hold this money and coll3ct interest for their own enrichment. 
We are senior citizens and I feel they have deliberately altered their process to make it so difficult so that no matter how we try we can never comply with their demands Myself and my XXXX XXXX XXXX husband even went to a branch and had the branch manager call and speak to a representative, send over the required documents, have thT representative tell the bank manager a check would be sent out the next day only to call the next day and have another rep. Tell us that was not true. That manager at the XXXX GA branch spoke with XXXX XXXX who said to call him back the next day. We did and he wasnt there. I have left messages for him but he has never returned my call. 
I believe that Suntrust bank is preying on us as elderly clients to purposefully defraud and confuse us. Not to mention hold onto our funds unjustly. 
After all we have been through with a natural disaster to have suntrust bank add to our difficulties in this matter is disgraceful

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 non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Student Loan Financial Assistance
State: WA

Complaint narrative:
XX/XX/2019, I got a phone call from the Student Loan Financial Assistance program. They call themselves SLFA. They reported that I was liable for a student loan forgiveness plan due to income. They seemed super legit. They have a website, and they gave me a phone number to call. They already had all of my information, including my social security and my address. I didn't give them either of them. I figured the only way they could know that was if they were a real company working on my loan. I was advised that if I paid XXXX for 5 months, the rest of the year I would make XXXX $ payments. After the year my loan would be put on hold as long as I kept the same income for the 105 months it would take to pay it all off. After the year of paying XXXX for 5 months and XXXX for 7 months I would not be reliable to pay any other monthly payments towards my loan. XXXX was taken out of my account XX/XX/2019, then again XX/XX/2019. No other money was taken out so it seemed legit. I recently got a call from my loan office saying I hadn't paid my monthly dues since XXXX. I went to the " account '' I had with XXXX and it states that I have paid XXXX and owe them a late fee of XXXX XXXX I tried to call them for answers and they hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: FL

Complaint narrative:
I didn't know that when I took out the loan that there were high interest rates! Getting emails about legal action!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had signed up for a business credit card by Wells Fargo. At the time that I applied it was the XXXX, NJ branch back in XX/XX/XXXX. According to the customer service representative we were told that there was a promotion on the credit card regarding sign on bonus of {$500.00} cash back or XXXX reward points if we spend {$3000.00} or more on the account. The requirements were to make charges on the credit card within 90 days of account opening. We did fulfill this requirement apparently upon contacting customer service from Wells Fargo they told us that in actuality they never heard of the promotion. 
However we spoke with XXXX from customer service on XX/XX/XXXX at XXXX p.m. and she had promised us that she would extend the promotion charge period from XX/XX/XXXX to XX/XX/XXXX. Basically we had to make upto {$5000.00} in new charges so far at the time we had incurred about {$3000.00}. So we did make an additional {$2000.00} of business purchases on that credit card which brought our total charges made on the credit card to {$5000.00}. XXXX from Wells Fargo customer service told us that the sign on bonus would be reflected on our statement within 1-2 credit billing cycles which would bring it to XX/XX/XXXX. We again contacted customer service on XX/XX/XXXX via message center online through the Wells Fargo login to inquire about the sign on bonus and to confirm that we would receive the bonus by the XX/XX/XXXX statement. We spoke with XXXX XXXX on XX/XX/XXXX at XXXX p.m. who clearly said we would be paid out the {$500.00} or XXXX reward points by the XXXX statement. XXXX XXXX from Wells Fargo customer service gave us a case number to followup in the future in case we should call the customer service phone number ( XXXX ) and that case number is XXXX. Fast forward to XX/XX/XXXX we contacted customer service from Wells Fargo again and this time I spoke with XXXX on XX/XX/XXXX at XXXX p.m. who stated that the credit should be reflected when our XX/XX/XXXX statement is released. Fast forward to present the XXXX statement was released two days ago and we have yet to receive the bonus. I feel like we are being jerked around by Wells Fargo. Hence I am forced to address my grievance here. 

Please advise further. 

Kind thanks, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Business Owner

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 non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I applied for a payday loan for the amount of {$850.00} with the agreement to pay back {$1000.00} ( loan + interest ). Refinancing the task and postponing the payment two weeks resulted in a total amount of well over {$2100.00} due. This was XXXX this year and I am still paying it back due to an installment plan I set up over the phone, but the agent I spoke with could not give me a clear reason why I ended up paying almost 3 times the initial loan amount.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX   XXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. XXXX and TransUnion both have sent results based off the information you provided to them. Please see the information below : XXXX RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX UPDATED THE BALANCE TO {$1700.00}. 

TRANSUNION RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX  ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX XXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX**** Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. XXXX and XXXX both have sent results based off the information you provided to them. Please see the information below : XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX   UPDATED THE BALANCE TO {$1700.00}. 

XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, NY XXXX FAX # XXXX XXXX XXXX XXXXXXXX, XXXX, UT XXXX Mrs. XXXX XXXX, Complaint Contact Mr. XXXX XXXX XXXX, President/CEO Board Member XXXX RE : ACCT # XXXX Balance {$1700.00} Friday, XX/XX/2019 To Whom It May Concern ; I recently received a copy of my credit report and have sent requests for information to be verified as reporting 100 % accurate and complete. Experian and XXXX   both have sent results based off the information you provided to them. Please see the information below : EXPERIAN RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX  UPDATED THE BALANCE TO {$1700.00}. 

XXXX  RESULTS REPORT # XXXX Dated XX/XX/2019 XXXX XXXX  REFLECTS THE FOLLOWING : DATE UPDATED XX/XX/2019 ; ORIGINAL CREDITOR XXXX XXXX ; RATING and REPORTING A BALANCE OF {$1700.00} Upon receipt of these results, I contacted your offices today to resolve this matter only to be told that you had sold this account to XXXX XXXX. I AM DEMANDING A COPY OF THE BILL OF SALE AND ALL OTHER DOCUMENTS REGARDING THIS ACCOUNT BE SENT TO ME IMMEDIATELY VIA FAX AT XXXX AND TO MY HOME ADDRESS LISTED BELOW. I HAVE CCD THE CFPB, FTC and THE ATTORNEY GENERALS OFFICE IN YOUR STATE AS WELL AS MINE AS YOU HAVE VIOLATED MY RIGHTS! 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ 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 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
As of XX/XX/2019, I got an email notifying me that my accounts have a negative balance of one being XXXX and XXXX. I refuse to owe money to transactions which were not authorized or done by my doing and I will do whatever it takes to get my name cleared.

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 2019-06-28 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: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Receivables Performance Management , LLC ( RPM ) illegally re-aged a collection account. The information on credit report shows an open date of XX/XX/2019 and that is incorrect.

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 2019-06-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am having a very hard time with Equifax ... no other bureau. Just EQUIFAX. 
Every time I call in and speak to a rep, I get a different story. They are KNOWINGLY reporting incorrect data every month on my report and have been doing so for almost a year. There are accounts reporting XXXX  balances but 120 days past due payment status. Or accounts with XXXX  balances but account status as " collections ''. Clearly these can not be right. The first time I disputed this over a year ago, they verified the BLATANTLY incorrect info with the creditor supposedly ... and just added a statement to my report. I've tried to dispute multiple times since then with no response ( via certified mail and online ). The latest dispute, I made via phone, and instead of deleting or updating the info, they want to open yet another 30 day investigation. Which I think is absurd ... since they've been blasting my credit to smithereens for over a year due to the incorrect reporting. Now they want me to wait yet another 30 days to possibly have the creditor half way look at the details and verify the BLATANTLY incorrect information as accurate. I don't think it's right to continuously report information that you KNOW can't be right ... and then rely on the creditor alone for verification. I've sent them account statements, correspondence from the creditors, etc as documentation ... with no resolution. Meanwhile, my credit is being checked by potential employers and creditors over the past year and getting this WRONG snapshot of my current payment habits. PLEASE DO SOMETHING. After completely sinking my credit for over a year with this inaccurate reporting, the statute of limitations is approaching later this year on these accounts. I requested they be purged from my report 2 months early and got a firm NO. Honestly, it's the least they can do for ignoring the inaccurate reporting of the accounts for over a year. There's been ZERO activity from me on the accounts in the entire 7 years it's been reporting yet it's causing me so much grief. Just delete it. It's clearly wrong and NEGLIGENT to keep reporting it WRONG every single month. 
Also, I can't view my report, submit a dispute or check dispute status online. And when I called in about verifying my identity, the reps tell me they shut down their online support department so now I have to call anytime I want to get a status update or request a new report. Not only do I have to call, I have to speak to someone because their automated system kicks me out every time. Is it even legal to allow such barriers to obtaining MY information to persist? I don't think accessing my information and insuring the accuracy of my report should be this inconvenient, time consuming, and unfair.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TCF NATIONAL BANK
State: MI

Complaint narrative:
A TCF employee in XXXX XXXX, MI threatened to refuse to process a charge dispute when I requested to close my account. When I asked for her boss, I was directed to the branch manager. The branch manager continued the threat ; if I closed my account, I would lose my ability to dispute charges and subsequently the money that belonged to me. 

Despite two complaints about this to the CFPB, no one from TCF has contacted me about being threatened by two of their employees. I attempted to resolve this through their customer service phone number. I have yet to receive any direct, returned communication from TCF. 

Twice TCF has responded to CFPB complaints with a {$17.00} refund claim. I have not been refunded anything, nor is that the dollar amount of the dispute. 

TCF refuses to contact me regarding this issue and continues to issue nonsensical responses to my CFPB complaints.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-28 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: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS LATE PAYMENTS REPORTED ON THE ATTACHED ACCOUNTS. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS TO THOSE ACCOUNT. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS. PLEASE CONSIDER MAKING A GOODWILL ADJUSTMENT TO MY ACCOUNTS THAT'S LISTED.

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 non-monetary relief
Consumer complaint received 2019-06-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
FTC violation for XXXX XXXX XXXX XXXX Need item removed.

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 non-monetary relief
Consumer complaint received 2019-06-28 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: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Transworld Systems, Inc. I reporting an invalid debt and illegally re-aging this debt on my credit report.

Company response to consumer: Closed with explanation