vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thrivepoint Financial Holdings, Inc.
State: FL

Complaint narrative:
Im contacting CFPD to notify you that I feel I have been defrauded from the Renovate America Heros Pace Program. I recently had a roof installed and the contractor did a nice job. However, I have not received any communications from the Renovate America Pace Loan program. No calls, no mail, no email, no statements, nothing. When I called to inquire about this, I was told that Renovate America Heros Pace loans have filed for bankruptcy and have sold off my original loan. When I called the new company that has now has my loan, the new company has completely changed the terms of the loan I had originally signed with Renovate America. I was then told by my local county that Renovate America filed a tax assessment against my home but now since they are out of business, the new loan service, has changed the terms without my permission. Lastly no notice of completion was filed with my local county tax office. RenovateAmerica also failed to record loan docs at the county level so my county officials have no idea why I have this huge tax assessment on my tax bill. The county tax office gave me a phone number to call but the phone number was for Renovate America and was a non working number.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-13 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have these items that are not mine and i want them to be remove from my credit.

XXXX 1. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

2. Identity Theft SYNCB/PPMC Date of inquiry : XXXX  This is not mine.

4. Identity Theft XXXX XXXX Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX XXXX  Date of inquiry : XXXX This is not mine.

XXXX  1. Identity Theft XXXX XXXX XXXX Date of inquiry : XXXX This is not mine.

2. Identity Theft XXXX Date of inquiry : XXXX This is not mine.

3. Identity Theft XXXX  Date of inquiry : XXXX  This is not mine.

4. Identity Theft XXXX  Date of inquiry : XXXX This is not mine.

5. Identity Theft XXXX XXXX XXXX  Date of inquiry : XXXX This is not mine.

6. Identity Theft XXXX  Date of inquiry : XXXX This is not mine.

XXXX 1. Identity Theft XXXX Date of inquiry : XXXX  This is not mine.

2. Identity Theft XXXX  Date of inquiry : XXXX  This is not mine.

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 2021-07-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Better Mortgage, Inc.
State: AZ

Complaint narrative:
I met with the title company on XX/XX/XXXX to sign my closing documentation. On the night before there were errors I caught and contacted the XXXX mortgage person assigned to my account. 

There were mistakes but I agreed to sign as it appeared I was going to receive a refund from my previous lendor and insurance agent. 

On XX/XX/XXXX, I started getting phone calls from the XXXX  agent assigned to my closing that I needed to resign and back date documents that were incorrect. They changed multiple times throughout the day until I could no longer see what documents he was referring to or understand what the changes were. 

Up until this point ( about a month ) all documents were attached or downloaded to their website. Because I could not see the documents and he wanted them backdated, he then proceeded to email an unencrypted file to my home ( personal email ) exposing all of my personal information in the email.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX  XXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: ID Analytics, Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX XXXX XXXX I reviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correct spelling in my name ( XXXX XXXX is not my name, please delete ) I have to start a reinvestigation on my file I see addresses and phone numbers that are not mine. I do not live at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXXXXXX, OH XXXX The following phone numbers are not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need it done or somehow corrected. 
I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section 4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file. 
XXXX XXXX # XXXX account is reporting 30,60 DAYS LATE sinceXXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Winklevoss Exchange LLC

Complaint narrative:
I signed up with Gemini in XX/XX/2021. Since then my account is in an unverified state. 

I have contacted their support team through all possible listed channels : the website, XXXX, and XXXX. No response was given to me in order to resolve my situation. Because of this delay, I can't move my {$400.00} USD out of XXXX. " XXXX XXXX is Proudly Owned by Gemini '' stated on the https : //niftygateway.com. It looks like they purposely hold my and people 's funds hostage. You can deposit to XXXX and the only way to withdraw is to move the funds to the Verified Gemini account. 

When you create the account they don't verify you and hold your money. It looks that they do it on purpose to keep the money flow and acquire more users. This is all getting to the point where it looks more like a scum practice, please resolve this issue as soon as you can.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX SS XXXX DOB XXXX Ireviewed my credit report and I see that my name is misspelled XXXX XXXX XXXX is the correctspelling in my name ( XXXX XXXX is not my name, please delete ) I have to start areinvestigation on my file I see addresses and phone numbers that are not mine. I do notlive at the following addresses please delete : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX CT, XXXX, OH XXXX The following phone numbersare not mine please delete : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX. 
I do not know how this works, but I need itdone or somehow corrected. I had some issues with my income being affected by theCOVID-19PANDEMIC SHUTDOWN. I was under the 1 CARESAct, Pub. L. 116-136, section4021, codified at FCRAsection 623 ( a ) ( 1 ) ( F ) ( i ) ( I ), 15 U.S.C.1681s- 2 ( a ) ( 1 ) ( F ) ( i ) ( I ). I amrequesting some accommodations so I care to protect the integrity of my credit file.SYNCB/CARE CREDIT # XXXX account is reporting 30,60 DAYS LATEsinceXXXX,XXXX,XXXX,XXXX requested assistance due to the pandemic. I am buying a Home this month and these errors are definitely holding back my process.

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 2021-07-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
I have these items that are not mine and i want them to be remove from my credit. 



XXXX 1. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft CAP ONE NA Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX 1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-07-13 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I have these items that are not mine and i want them to be remove from my credit. 



XXXX 1. Identity Theft CAPITAL ONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft TBOM/VERV FA Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX 1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

5. Identity Theft SANTANDER CONSUMER USA Date of inquiry : XX/XX/XXXX This is not mine. 

6. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 


XXXX 1. Identity Theft CAPITALONE Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I had attempted to open an XXXX credit reporting app. There was an account opened in my name at Synchrony Bank for XXXX. I have never applied for a XXXX account. I dont know or understand what XXXX is or what it is used for. I made several attempts to speak with a human at Synchrony and the system would not allow me to because I did not know an account number. However, according to XXXX there is a {$1500.00} credit card or line of credit. I NEVER applied or requested anything from XXXX. I want whatever it is that is in my name and under ss # expunged.

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 2021-07-14 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
This is for a payday loan, but I was bankruptcy, so I'm not sure how I had gotten a payday loan, this company calls me at least 12 times a day and I tell them I was under bankruptcy, they will not call for a few weeks and then they call back. The issue I have is that they've taken the number they are calling from my profile on XXXX XXXX, which is not public and are calling me on my work cell phone which is on LinkedIn only since I am a recruiter, so it is not public. I'm not sure that the debt is valid since when I ask for the information about the debt, they say they are unable to give me any information, just an amount to pay and can not give details until a payment arrangement has been decided and committed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 33 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Thrivepoint Financial Holdings, Inc.
State: FL

Complaint narrative:
Im contacting CFPD to notify you that I feel I have been defrauded from the Renovate America Heros Pace Program. I recently had a roof installed and the contractor did a nice job. However, I have not received any communications from the Renovate America Pace Loan program. No calls, no mail, no email, no statements, nothing. When I called to inquire about this, I was told that Renovate America Heros Pace loans have filed for bankruptcy and have sold off my original loan. When I called the new company that has now has my loan, the new company has completely changed the terms of the loan I had originally signed with Renovate America. I was then told by my local county that Renovate America filed a tax assessment against my home but now since they are out of business, the new loan service, has changed the terms without my permission. Lastly no notice of completion was filed with my local county tax office. RenovateAmerica also failed to record loan docs at the county level so my county officials have no idea why I have this huge tax assessment on my tax bill. The county tax office gave me a phone number to call but the phone number was for Renovate America and was a non working number.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
On my Transunion consumer report I have 3 inquiries that I have no knowledge of the first being 1. Consumer portfolio dated XX/XX/XXXX 2.XXXX XXXX XXXX dated XX/XX/XXXX XXXX. XXXX date XX/XX/XXXX On my equifax I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX XXXX. XXXX XXXX dated XX/XX/XXXX 3. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted XXXX and equifax also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
On my XXXX consumer report I have 3 inquiries that I have no knowledge of the first being 1. XXXX XXXX dated XX/XX/XXXX 2.XXXX XXXX XXXX dated XX/XX/XXXX 3. XXXX date XX/XX/XXXX On my XXXX I have three also that I have no knowledge of which are 1. XXXX XXXX dated XX/XX/XXXX 2. XXXX XXXX dated XX/XX/XXXX 3. XXXX XX/XX/XXXX I am contacted you to ensure these unknown inquiries be removed as I have contacted XXXX and XXXX also with written identity theft affidavits Also there was an account opened with XXXX XXXX XXXX XXXX that I have no knowledge off also in which I've asked to not have furnished to my consumer report

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 2021-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX account does not belong to me Ive been a victim of identity theft

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 2021-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon pulling my credit on XXXX XXXX I have come to a conclusion that my identity was tempered with for I am not familiar with previously reported errors on my credit profile. I have reached out to Equifax, XXXX and XXXX. Equifax acted accordingly by deleting everything off my credit report except for the Inquiries. XXXX did the exact same thing. However, my biggest problem is with XXXX who continues to ignore my request to delete Erroneous items that I am attaching on here for you to review and investigate further. I am demanding that EQUIFAX, XXXX, AND XXXX remove all INQUIRIES and listed attached so called collections and derogatory accounts off my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Corp Solutions Inc.
State: DE

Complaint narrative:
I received a notice about a debt and they stated they were assigned the debt that I have no knowledge about. The letter was dated XX/XX/XXXX and that ai have 30 days to dispute this debt. I have tried contacting this company for the last 10 days without any way to reach them. I think that it is unfair to assume that this is my debt and to share my information with third parties as the letter stated

Company response to consumer: Closed with explanation