vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on Trans Union and XXXX respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from Trans Union and XXXX the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
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 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Stearns Ventures, LLC
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
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 explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: HI

Complaint narrative:
On XX/XX/XXXX, LoanCare sent me a letter with instructions on where to send future principal reduction payments ( their term is " principal curtailment '' ). On XX/XX/XXXX, I mailed a principal reduction payment to the address contained in LoanCare 's letter from XX/XX/XXXX. On the check itself, it's noted as a principal reduction, on the post-it note, it's noted as a principal reduction and in the letter to Loancare, it's noted as a principal reduction in red letters and underlined. 

On XX/XX/XXXX, LoanCare cashed the check and didn't apply it to anything, just noted it as a payment. I called and left a message with the phone number and extension from LoanCare 's letter to me ( XXXX ) XXXX-XXXX ext XXXX. On XX/XX/XXXX, LoanCare applied the principal reduction payment as 2 future payments and a partial principal reduction ( {$52.00} out of {$2400.00} ).

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 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX  XXXX  and Equifax  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 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: NC

Complaint narrative:
XXXX XXXX  hard inquiry of XXXX 2018 I still need requested file for fraud review. XXXX XXXX   denies inquiry. 
Reinvestigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and Equifax  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX  the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Sometime between XXXX  XXXX, 2019 and XXXX  XXXX, 2019, both of my XXXX XXXX credit card accounts were removed from my Equifax credit report. This was done without my permission and has dropped my score by over 60 points. I am still an authorized user on both accounts so both should be listed on my account. This has seriously impacted my life as I was in the process of applying for a home loan. I will be seeking financial restitution in the amount of {$2000.00} per account for this illegal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score on XXXX XXXX and XXXX  respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and XXXX the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
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 2019-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I XXXX XXXX XXXX have been dealing with a credit bureau ( s ) issue for over one-year. The problem resides in my inability to obtain a credit FICO score  on XXXX XXXX and Equifax respectfully. In addition, there are no registered accounts on any of these bureaus except there is account information posted on my XXXX  credit report. There is a possibility that at one time a fraud alert was posted on both bureaus, but that should not block my creditors from posting my account information and payment histories o each bureau. Accordingly, I am requesting a full reinvestigation from each credit reporting agency and each account trade line to guarantee that soon I will be able to have a FICO score with each bureau. Therefore, my complaint is two-fold : 1 ) I request a full review from each creditor to check the status of my account, and to submit to each respective bureau the criteria such as date account opened, account balance, and most importantly account payment history. 
2 ) I request a review from XXXX XXXX and Equifax the reason why there is a block on my bureau information, and a release for each creditor to post the aforementioned criteria monthly. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I have a complaint because I was charged a late fee For the month of XXXX. My bill is due the XXXX of every month. I paid XXXX dollars on the XXXX of XXXX .. And later paid XXXX dollars early.. I was told the extra payment didn't count because a new bill wasn't generated yet. Then later after I paid my bill in FULL on the XXXX of XXXX I still had a fee later taxed on.. Although when I paid online I clicked the PAID in FULL button and it was at XXXX balance. I asked to speak to someone in charged to voice my concerns or a manager.. I was told I would be connected to XXXX and was disconnected.

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 2019-12-29 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:
On my Experian Credit Report dated XX/XX/XXXX, an account from XXXX/XXXX XXXX, acct. XXXX has a fraudulent " Date Opened, '' of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX, an account from XXXX XXXX XXXX, acct. XXXX, has a " Placed for Collection, '' date of XX/XX/XXXX. 

On my XXXX  Credit Report dated XX/XX/XXXX is the last report that stated the " Date Opened '' of XX/XX/XXXX. The XXXX  Credit Report dated XX/XX/XXXX has a " Date Opened, '' of XX/XX/XXXX. XXXX  makes it so difficult to get a credit report through the XXXX, that I haven't received a XXXX, or a XXXX credit report yet. 

The original, " Date Opened, '' is XX/XX/XXXX, and the original creditor is XXXX XXXX XXXX/XXXX  XXXX  XXXX  XXXXon account number XXXX for an amount of {$920.00}. 

XXXX/XXXX  has, and is continuing to report an incorrect " Date Opened '' for this account. The dispute from XX/XX/XXXX did not correct the issue of XXXX/XXXX  XXXX  reporting an incorrect " Date Opened, '' and Experian, XXXX, and XXXX  stated that they didn't have to receive and/or process another dispute regarding this fraudulent reporting. 

I am requesting this account be removed from my credit reports from Experian, XXXX, and 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