vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Village Capital & Investment LLC
State: CA

Complaint narrative:
In XXXX of XXXX I submitted to my Mortgage Servicer, XXXX, my letter from the VA granting 100 % XXXX rating, and an amended Property tax bill from the XXXX XXXX XXXX Treasurer, showing XXXX property taxes on my residence. From XX/XX/XXXX until XXXX of XXXX XXXX refused to correct my monthly Mortgage Statement, and misappropriated my Mortgage Payment to provide {$200.00} to the escrow account to pay nonexistant property taxes. In addition they then listed a late payment and posted non payment of Mortgage payment to the credit reporting agencies. XXXX tranferred mortgage servicing to XXXXllage Capital who has continued this same practice. Both Mortgage servicers continue these practices despite at least 50 calls to Customer Service and letters to their different complaint departments and legal offices. Village capital continues to send foreclosure notices and and other 'lossmit ' paperwork and refuses to conduct a back two year audit to fix the problem. 
I also identified violations of both under the XXXXXXXX XXXX statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I was told two days ago by Chase that there was no way the repo man from the previous dispute could get into my wifes car which was locked when he repossessed it. He did and thats what triggered the theft alert on the car. While the vehicle was at the repo yard, my wife received the same alert. When I got there to see if someone was tampering with the vehicle, the alarm was indeed going off. I silenced it with the key and not five minutes later the alarm went off again. He had forced his way into the vehicle and he was under the hood of the car this time and opening multiple doors. The manager from Chase stated that there is no way he could have opened the door but he was able to when I seen him with my own two eyes. Also, I was told today that on the bottom of the notice of sale that Chase sent me only means they can charge the full balance of the loan once its defaulted. The phrase at the bottom does not mean they have the option to reinstate or work with a consumer to get the loan reactivated. Which is false advertising. Also, there were no documents filed regarding the repo according to LA state laws in the Administrative process. Chase is breaking multiple consumer laws. This has been a nightmare. This can not be legal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian continues to violate section 623 ( a ) ( 1 ) ( A ) of the FCRA which states credit reporting agencies have a legal obligation under the FCRA to ensure the accuracy of the information they furnish.Equifax clearly failed to do so as required by Federal law. Experian STATED MY ACCOUNT WAS PROPERLY INVESTIGATION BUT HOW IS THAT POSSIBLE IF THE THE ACCOUNT STILL REMAINS ON MY CREDIT FILE. Experian stated they confirmed they verified the account from XXXX and Court records, I HAVE ENCLOSED AN LETTER FROM THE COURT AND XXXX SHOWING HOW EXPERIAN VIOLATED FEDERAL LAW. In fact XXXX could not verify the Bankruptcy that Experian claims to have verified from XXXX, THEREFORE EXPERIAN NEVER CONDUCTED AN INVESTIGATION ON THE FOLLOWING XXXX XXXXBANKRUPTCY/ FILE 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 2023-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report 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

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 2023-04-12 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: CA

Complaint narrative:
This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing accounts. I have asked for proof of these Late Payments and they have failed to do so after sending several request certified mail as I will attach below. I am also aware these companies are not allowed to report transactions on my consumer report under 15 usc 1681a ( 2 ) ( a ) ( i ) - Permisible Purpose, ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TX

Complaint narrative:
bill is paid need to be removed from credit

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SANTANDER HOLDINGS USA, INC.
State: CA

Complaint narrative:
AN ACCORDANCE OF FAIR CREDIT REPORTING ACT CRYSLER CAPITAL XXXX HAS VIOLATED MY RIGHTS UNDER 15 USC 1681 SECTION 602 STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 1681 SECTION 604A SECTION 2 IT ALSO STATES THAT CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY READING INSTRUCTIONS. UNDER 15 USC 1666B A CREDITOR MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN AND CONSUMER CREDIT PLAN AS LATE ON ANY PURPOSE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AmeriHome Mortgage Company, LLC
State: GA

Complaint narrative:
Our VA mortgage is was purchased by Amerihome since we closed with XXXX XXXX. We are now in the process of selling our house and will be allowing the buyers to assume the loan. 

Amerihome has refused to let us speak to anyone regarding the assumption process. We are now unable to check on the status of the assumption or relay to the buyers any information about the expected waiting time for the assumption process to be complete. I acknowledge that the process can be lengthy, however, we can't even get anyone from Amerihome to talk with us regarding the matter. We have made multiple calls to the customer service line asking to be put through to the " XXXX XXXX '' and every time we are told it is not possible and that there is no one to speak to for assistance. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: TRIAD FINANCIAL SERVICES, INC.
State: OK

Complaint narrative:
We closed on XX/XX/22. They sent me the documents to approve prior to closing but the amount of the loan did not match up with the cost of the home, land, and closing costs. At first, I was paying {$2500.00} more than the loan was supposed to be because they didn't give me credit for the earnest money I had put down on the land and home. After they corrected this, we were still {$500.00} over what we were supposed to be financing. I reached out to XXXX XXXX at Triad multiple times to have this corrected but I was ignored. Triad told me I would have to pay fees if I missed the closing so I was forced to close on the home with the mistakes present. 

The loan is also another {$4000.00} higher than what everything was supposed to cost. When I asked the bank about it, they told me the {$4000.00} was for points to bring down my interest rate. I asked them to add it in to the loan documents so the points showed as part of the loan but they never would. Finally XXXX XXXX informed me that they had to be creative on the loan and show on the loan paperwork that we paid {$4000.00} more than we actually did so the bank could get the money for the points. He said he didn't have a way to legitimately add the points in to the loan. This is upsetting for me because they won't provide me any documentation for the points so I can get a tax break. It feels like they basically stole the {$4000.00} from me. They are at the least collecting extra money for something that wasn't in the loan documents. 

Also, when it came time for us to release the final draw to the builder, we let the bank know that everything was not completed properly and that money was still owed to vendors because the request we signed stated that the home had to be 100 % completed properly and everyone involved had been paid. We told the bank we would be lying if we signed but they wanted us to sign anyway. I spoke with XXXX XXXX at Triad about the issue and he said he was worried the builder would not be able to keep all their money if we didn't sign, so we were forced to lie and sign the document anyway with the alternative being that we would eventually default on the loan if we didn't sign.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX  XXXX XXXX and XXXX XXXX  failed to comply and follow federal law of the 15 US Code 6802 with respect to my personal privacy and disclosure to my own information. 

These Banks and financial information never afforded my the opportunity to opt out of disclosing my person information to a third party consumer agency pursuant to : 15 code US 6802. 

a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These hard inquries were reported to All 3 major Credit agencies : XXXX, TransunionXXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX According to Federal Law these Financial institutions did not have my written consent to disclose my personal information pursuant to any would be transaction between myself and the creditor associated to these inquiries.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
XXXX of  XXXX and XXXXXXXX XXXX failed to comply and follow federal law of the 15 US Code 6802 with respect to my personal privacy and disclosure to my own information. 

These Banks and financial information never afforded my the opportunity to opt out of disclosing my person information to a third party consumer agency pursuant to : 15 code US 6802. 

a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These hard inquries were reported to All XXXX major Credit agencies : XXXX, XXXX of XXXX XXXX and XXXX XXXX Exquifax -XXXX XXXX According to Federal Law these Financial institutions did not have my written consent to disclose my personal information pursuant to any would be transaction between myself and the creditor associated to these inquiries.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX  of XXXX and XXXXXXXX XXXX  failed to comply and follow federal law of the 15 US Code 6802 with respect to my personal privacy and disclosure to my own information. 

These Banks and financial information never afforded my the opportunity to opt out of disclosing my person information to a third party consumer agency pursuant to : 15 code US 6802. 

a ) Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

These hard inquries were reported to All 3 major Credit agencies : XXXX  XXXX of XXXX XXXX and XXXX XXXX XXXX XXXX XXXX According to Federal Law these Financial institutions did not have my written consent to disclose my personal information pursuant to any would be transaction between myself and the creditor associated to these inquiries.

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 2023-04-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: MS

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX  XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 section 604 A section 2 : It states a consumer reporting agency can not furnish an account without my written instructions.

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 2023-04-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian is reporting an inaccurate account. The account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX is being reported incorrectly and I have also tried to fix this with Experian. Since it has been well over 35 days since my handwritten dispute letter, I am now reporting this inaccuracy to the CFPB and XXXX  with proof of error. Attached is the document showing that the collection account was opened in XX/XX/XXXX, but Experian is reporting XX/XX/XXXXXXXX  which is incorrect. No other agency is reporting this account. It is my understanding that consumer reporting agencies are to follow reasonable procedures to ensure maximum possible accuracy of information in consumer reports. 15 U.S.C. 1681e ( b ). I know that this violation can be taken to small claims court, and I will be able to show the inaccurate report and proof that it has caused me to suffer damages. Please see the attached inaccurate report and the documentation showing the different information you are reporting. Remove immediately.

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 2023-04-12 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as aid on time. It has been over 60 days so they should be corrected promptly. I demand the pese negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-04-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Account # XXXX 15 U.S. Code 1681e ( b ) - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Transunion fail to assure maximum possible accuracy on my credit report. This account is reporting as a paid charge off which is inaccurate. In the United States, federal regulations require creditors to charge off installment loans after 120 days of delinquency. It's impossible for this account to be reporting as a charge off in the month of XXXX, when I was on time previously months before. For this account to be charge off it should be reporting - XXXX, and XXXX and its not. There's no late payment or past due on this account. I attached the paid in full letter, payment history, and my Transunion credit report to this complaint.

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 2023-04-12 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: TX

Complaint narrative:
bill is paid need to be removed from credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12 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: TX

Complaint narrative:
bill is paid need to be removed from credit

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 2023-04-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: UPGRADE, INC.
State: KY

Complaint narrative:
I have a problem with this company ( Upgrade credit card-XXXX XXXX Bank XXXX reporting that I have an open-ended revolving line of credit ; and yet they will not allow me to use my availability. Per CFPB is this even illegal? It should be reporting to the bureaus accordingly. I am not over my limit, I have not missed a payment, and when I wrote a correspondence asking when theyd review my card not working they stated they will not and it will stay locked forever. As in, I can never access the supposed open-ended availability. But yet are reporting opposite to all 3 bureaus? 

So theyre reporting an open ended LOC on a revolving account yet - I cant access the funds. Sounds like illegal reporting to me. If Im not allowed to use the card there should have been a note that it would be closed with NO availability. Instead theyre illegally reporting and I do not have access to the funds. Today was the most recent date of reading out to them. XXXX. Thanks for your help.

Company response to consumer: Closed with explanation