vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA

Complaint narrative:
I financed a new XXXX XXXX is through Toyota financial services in XX/XX/2017. 
I got the car and two weeks later, the car lot recinded the contract on the car, changing the monthly due date and the price of the car and the payment agreement. Toyota financial did not abide by the the New contract. They tried to make me pay for the 2 different contract 's. Because of this, I now have late payment 's reporting on my credit reports and it has dropped my credit score by over 100 points. The car lot XXXX XXXX group, and Toyota financial have really hurt my credit reports. 
I have in good will tried to correct the problem. I can't get anything done about it. The car lot just treat 's you like a criminal for saying anything about it. 
Toyota financial  just act 's like it's all your fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: DailyPay, Inc
State: GA

Complaint narrative:
The company DailyPay services the company XXXX that pays those working with XXXX. They advertise that you get paid daily, but this is never the case. I work every day, but I'm only paid 2 or 3 times a week. I have called and emailed many times with complaints and questions ; receiving varying answers every time. I work the same hours approximately, but when I am paid the pay doesn't appear to reflect it. 
I even tried the autonow and autonext features to see if I would get my pay accordingly. The supervisors at my company and our HR says that the issues aren't due to anything on XXXX 's end. The agents at daily pay are rude and do not offer much information or clear explanations in regard to their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Supreme Lending
State: GA

Complaint narrative:
The following letter was provided to me by the buyer as they made an offer on my home only two weeks after this letter was written. The lender notified the buyer that they were in fact not approved and caused the buyer to unilaterally cancel the purchase. 

XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Reference : Interested Loan Program : Pre-Approved Loan Amount : 2nd Loan Amount : Sales Price : Property Address : Mortgage Pre-Approval Request 30 Year Fixed - Conventional {$320000.00} {$00.00} {$400000.00} XXXX XXXX XXXX, GA XXXX Pursuant to information you provided, including authorization to run a credit report, I have reviewed your Pre-Qualification request. Based on the information submitted, I am pleased to inform you that you are " Pre-Approved '' for a mortgage loan. 
Your information has not been submitted for formal processing and underwriting that normally occurs when an application is submitted. Based on my preliminary review of data provided, you would likely qualify for a loan under our normal operating standards. When you are ready to submit a formal loan application, I am available to assist you with this step at your convenience. 
If you desire that a copy of this letter be sent to another party, please sign and date the enclosed Applicant Credit Acknowledgement form and return to me. Upon receipt of the executed form, I will gladly share this information as you have designated. Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX Senior Mortgage Consultant XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX ( Fax ) ( XXXX ) XXXX ( Cell ) NMLS # XXXX XXXX cc : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
In XX/XX/2017, Region Bank ( via XXXX XXXX XXXX now XXXX XXXX XXXX ) did a credit inquiry against my wishes. I only gave them permission to run a credit inquiry through XXXX XXXX XXXX XXXX. I would like them to remove the credit inquiries from each credit bureau they used.

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 2019-04-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
identity theft inquiries 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,

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 2019-04-06 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AR

Complaint narrative:
I had a car accident on XX/XX/XXXX, in which this vehicle was completely totaled out. Nissan informed me  that I owed one payment that was due XX/XX/XXXX for a total of XXXX. I completed this payment on XX/XX/XXXX. Once I completed this payment, XXXX ( my insurance company ) and GAP submitted in the total for the rest of the vehicle. At that point in time when I accessed my account with Nissan, they showed that the balance was 100 % taken care of and that I owed no further payments. I was also informed by a representative that I was owed approximately {$2000.00} more dollars in payment for warranty that I have not received and an additional {$460.00} in tire warranty ( that I have not received. I also received a {$58.00} check for my excess payment that I completed on XX/XX/XXXX. Nissan did not inform me that I owed any additional payments, yet they reported inadequately on my credit report that I am 30 days past due ( in which I am not ). Had I owed an additional payment, this payment would've been due XX/XX/XXXX and I wouldn't have been past due until XX/XX/XXXX. I have not received any notices from Nissan in any way stipulating that I owed any further balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
hi, My problem started the moment I opened this account, XXXX or XXXX of XXXX. I never received mail in paper bill form. i would get online bill to know what i am to pay and never the bill descriptions. I would pay the bill as expected between the XXXX  and the XXXX of the month. That's because, am on a fixed income. I get my pension check between the XXXX  and XXXX of the month. It depends on what weekday the XXXX and XXXX fell on. The week of XX/XX/XXXX, I decided to open a online account with Walmart to see why my bill wasn't going down especially when i pay it and I didnt use the card a lot. To my surprise, I realize Walmart Symphony card was charging me $ XXXX late fees for each month since I opened account for 13 months. They said my payment had to be received by the XXXX  of the month. I called to have the date changed and was told that could not be done. I asked to change it to the XXXX or the XXXX of the month. They could not accommodate me. Today, XX/XX/XXXX I call Walmart credit department and spoke the representative XXXX, and again he said he could not change my due date. When I asked to speak to a supervisor, screaming, i spoke to Mgr. XXXX and she changed the due date to the XXXX of the month, plus removed 3 of the current late fees. I had asked her to remove all of them, and she could only do 3. As of XXXX, I will be charged another late fee of {$38.00}. My complaint is I want all the late fees removed because I can't afford to pay it. I have paid {$1000.00} on my bill since XX/XX/XXXX to XX/XX/XXXX. The late fees total {$430.00}. I want all these late fees removed from my account. I am late only because its a bill date they choose for me which do not accommodate me. I do not have the money to pay by the XXXX and when I asked to have the due date changed, I was told they couldn't. It wasn't until i insisted on a supervisor who was able to change the date. The rep XXXX said he couldn't. Which is a lie, and another way to rob me. That's what Walmart did. They robbed of {$430.00} in late fees and I want my money back. And if I don't get my late fees dropped and my credit report exonerating my pay history, you can close my card. When you check my payments, they are always between the XXXX of the month. i pay my bill on time on the due date i have the money to pay. Please drop all the late fees. that is what i want. 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 monetary relief
Consumer complaint received 2019-04-06 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: South Carolina State Housing Finance and Development Authority
State: SC

Complaint narrative:
I have submitted about 3-4 disputes to XXXX and XXXX in regards to my account ( South Carolina State Housing ) reporting incorrect information on my credit, which has hurt my ability to get financing etc. XXXX removed the remarks from my account and is currently 65 points higher than XXXX. We set up automatic payments with state housing, but there employee failed to actually set it up in there system. The only way we found out that the account was showing late was because I checked my credit report. What was insane is that state housing never reached out to me to see if anything was going on, but it was too late once I realized it had damaged my credit severely ( dropped over 100 points! ) Once we saw that they werent taking out payments, like we scheduled, we made the payment on the past due amount. Since then the reporting has still been inaccurate after we have made payments and continues to damage my credit! I have been fighting against this injustice from this company for a year or longer and just recently paid them off in full because of the major hassle it is dealing with them ( my  account still shows late and we owe a balance ) SC State Housing and XXXX continue to report inaccurate information on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hi, I found three suspect transactions posted on my boa credit card account on XX/XX/XXXX. They were XXXX {$770.00} onXX/XX/XXXXXXXX XXXX {$1000.00} on XX/XX/XXXX and {$1000.00} onXX/XX/XXXX. 
I reported them to the BOA fraud department right away by walking to the local BOA branch and asking a banker for help. During the phone call, I stated that I didn't recognize those transactions, and I have never been shopping on those stores. And then I was issued a new credit card with new numbers on it which will be mailed to me in a few days. The old credit card has been closed then. XX/XX/XXXX, those amounts listed above was credited back to my account, but bad thing happened to me again. XXXX {$84.00} on XX/XX/XXXX. It was ridiculous. My old credit card was closed, and I haven't gotten my new one yet. But somebody still kept using my information to do fraud, and it seems BOA did nothing. I called again, and got credit back again. XX/XX/XXXX, BOA informed me that my claim was denied because the credit card I had is a chip card, and those four transactions were all card presented. So those four transactions has been posted on my account again. It was a blow.BOA believed a chip card couldn't be copied. But the fact is the chip card can be copied. According to XXXX XXXX, Chip card cloned was happening in XXXX in XXXX. My case may be first chip card cloned case in USA, but never be the last one. What I did is to help BOA fighting the fraud. I am honest enough to tell the truth that my credit card was kept in my wallet all the time. Then I got into the trouble that I had to tell BOA how those crooks did the fraud. This is totally no my liability and totally out of my ability. all I know is my card is in my wallet, I never used my card shopping on those stores, and I was working on an XXXX restaurant during those transactions happened, my boss can be my witness. I kept contacting BOA on XX/XX/XXXX. They opened my claim again to do more investigation which is good. But I was told if I can't prove myself then the result will be same that means I have to pay these {$3000.00}. When I asked the guy on the phone from BOA that why I have to prove myself but not those stores. I got no answer. I felt BOA treating people differently, just because they are big companies, and I am only one person? BOA ads " worry free, zero liability '' are totally not true.

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 monetary relief
Consumer complaint received 2019-04-06 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: ND

Complaint narrative:
On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. Equifax was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I reached out to Citibank 's dispute department regarding unauthorized transactions that originated from a dormant XXXX account. XXXX conducted an investigation and confirmed unauthorized account access for XXXX transactions in another country. 

These unauthorized transactions ( about 10 separate transactions totaling over {$600.00} ) caused my Citi checking account to overdraft, thus causing an NSF fee per transaction. 

XXXX reversed the transactions, but due to the negative fraudulent Citi  balance, my credit was offset. 

I filed fraud with Citi, spoke to numerous supervisors and was assured that they would reverse all fees and fraudulent transactions, as they confirmed with XXXX the unauthorized activity. 

About a month went by and I hadn't heard any update, so I called around XX/XX/2018 to check the status. I was informed that my checking account had been closed due to negative balance. I escalated to a supervisor, who confirmed that the actions that were supposed to be taken on the account were not completed. 

This supervisor assured me that I would receive my refund via check within a few weeks, and assured me that she would fully notate the account. 

I honestly forgot about the refund until recently. I called customer service and apparently they have no notations of any of my calls, or any records of disputes being filed. 

They are saying that since my account is closed, there is nothing that they can do. 

I requested for my previous calls to be reviewed, as numerous supervisors confirmed that I would be reimbursed. 

I am highly disappointed by how this situation was handled. My account was erroneously closed because of a negative balance that was due to fraud. Also, supervisors offered assurance that the issue was rectified, but now apparently the hours I spent on the phone were in vain, as there is no trace of my contact. 

I am requesting my previous calls to be reviewed, and for my amount to be reimbursed, as this is a breach of verbal contract made by the supervisors on behalf of the institution. Please review.

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 2019-04-06 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: Credit Karma, LLC
State: ND

Complaint narrative:
On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. XXXX  was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-06 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: CITIBANK, N.A.
State: ND

Complaint narrative:
On XX/XX/XXXX I became aware of a fraudulent inquiry on my credit report from XXXX. The company have wrote me informing me that they would remove the inquiry and they even informed me that the credit card application was not in my name. XXXX  was also notify about this and I have file several disputes through them about this inquiry. They have a copy of the letter that XXXX sent me and even sent me a letter saying that the inquiry would be removed. It is now XXXX and I am frustrated with these companies. I did not apply for any credit card through XXXX and this company is aware of this and said would fix this problem and no one has fixed this problem

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 2019-04-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I have had my XXXX XXXX credit card through Bank of America for 11 1/2 years. In the months of XX/XX/XXXX and XX/XX/XXXX ; Bank of America 's online system failed to process our payment. I was not notified by Bank of America until after being charged a fee and only found out because I went onto my Bank of America account and saw that a fee had been assessed. Two days ago, after making a payment, we were informed, again by email, that our account had been closed. We diligently made payments for over 11 1/2 years, kept the balance paid down, and to receive this kind of treatment from Bank of America is incredibly frustrating. I would like to make sure that other consumers not use Bank of America because arbitrary fees are applied when they are at fault for not processing payments.

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 2019-04-06 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
Being laid off cause me to have decrease in my income which cause financial hardship which also cause me to file bankruptcy. I also tried to get mortgage help from Chase and was denied 7 times. 

XX/XX/2018 I surrender my home back to chase after being denied mortgage help once again.

the hearing took place the judge ordered the trustee to stop payments to chase effective immediately I moved out XX/XX/2018 received a check in the amount of {$100.00} from Chase applogizing for the delay in responding back so late on the mortage asst. well Chase forclosed on the home in XX/XX/2018 6 monyhs after the home was surrendered thru bankruptcy. How is this possible.

Company response to consumer: Closed with explanation