vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: TX

Complaint narrative:
I am a XXXX XXXX XXXX  at a XXXX XXXX XXXX who is XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX  ) of life insurance policies in our book of business ( including my own ). This morning, XX/XX/2020, I processed two policy loan disbursements against the cash value of two of my own life insurance policies. I used the mobile deposit feature of Discover Bank 's mobile app to deposit the two checks into my Discover Checking account ( a process I have completed at XXXX XXXX  XXXX without fanfare many times in the past ). 

A few hours later I received an email from Discover stating I needed to contact them immediately regarding " unusual activity on [ my ] account '' and that they had frozen my accounts. 

After being hung up on, I called back. The second person asked for my full social security number, which I refused to provide ( the first person did not need this information - nor did anyone else I subsequently spoke to ). I was abruptly and rudely transferred to the 'front office ' by the second rep. Eventually, I was put in contact with a specialist, XXXX. Not sure what department she was in or what she 'specializes ' in because she didn't seem to think it was prudent to identify herself. For whatever reason ... 

After some two factor authentication and a bit of back and forth, XXXX advises my accounts ( both checking and savings ) have been frozen for 10 days to make sure the checks clear. This makes absolutely no sense at all.

I can understand putting a hold on the funds I deposited or only making part of those funds available ( the mobile deposit feature even notifies you that only a part of the deposited funds will be immediately available ). Sensible enough.

However, I can not understand why Discover Bank would think it was even remotely acceptable to freeze both my checking and savings accounts for 10 business days - two full weeks from today. 

I gave XXXX the check numbers and account information for XXXX XXXX XXXX, where funds are distributed for XXXX XXXX XXXX XXXX XXXX life policies. She said she would call XXXX XXXX XXXX and verify the checks to unfreeze my account. She said she would call me back no later that XXXX Central Time. I never received a call back. 

I have no access to my money. How am I supposed to pay bills? How am I supposed to buy groceries? How am I supposed to put gas in my car?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Allied Collection Services, Inc. (Nevada)
State: FL

Complaint narrative:
ATTENTION DISPUTE DEPARTMENT TODAYS DATE:XX/XX/XXXXALLIED COLLECTION SERVIC Reported : XX/XX/XXXX Your company have  violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. ( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). ( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. The reference items are listed below please take this matter very serious ALLIED COLLECTION SERVIC Reported :XX/XX/XXXX I have report your company to   consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX XXXX Telephone Consumer Protection Act Litigation, Case No. 11-MD-2295-JAH-BGS, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL 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 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Penn Credit Corporation
State: FL

Complaint narrative:
The debt collector called my Father and told him that they were looking for me to collect a debt. I called the debt collector after my Father told me they called him and I paid my debt promptly. I told the collector that I would be filing a complaint with the Consumer Financial Protection Bureau as I was completely embarrassed and hurt that they called my Father.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: FL

Complaint narrative:
i got a letter in the mail from discover, and XXXX offering me a balance transfer as far back as XX/XX/XXXX from discover and thay made this offer up till XX/XX/XXXX and XXXX  sent me balance transfer offers from XX/XX/XXXX to XX/XX/XXXX and now thay wont offer any balance trans fers at all i just got my balance pay, d off with discover on XX/XX/XXXX and i wanted to see if i could use a balance transfer and now all the banks are not doing balance transfers i was going to ask if you can make the banks make the balance transfer offer longer becuse by the time i got my balance pay, d off then the offer was gone and thay tell me when i called discover that thay dont know when i will get another balance transfer offer can you ask them to make the offers last atlest 6 to 12 months any thing better then 2 months witch thay gave me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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: FL

Complaint narrative:
XXXX XXXX XXXX DOB:XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE :XX/XX/XXXX This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX  XXXX Reported : XX/XX/XXXX -  XXXXXXXX XXXX XXXXXXXX Reported : XX/XX/XXXX XXXX XXXX XXXX DOB:XX/XX/XXXX SSN:XX/XX/XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL 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 2020-05-14 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX ATTENTION DISPUTE DEPARTMENT TODAYS DATE : XX/XX/2020 This serves to notify you on the inaccurate information on my credit report as per your file. I have sent this letter via registered mail for purposes of formal escalation in the appropriate courts of law should the need arise. 
Recently, I've been denied in my application for ( mortgage, car loan, credit card, health insurance, employment ) in Florida DDUpon closer look, this was due to inaccurate information on credit report ; mine. My Florida id and social security card was stolen. I have been disputing this charge and have proved that it was a fraudulent account I have also included a copy of the police report. I've been unnecessarily embarrassed by this oversight on your part or maybe your credit reporter 's part. The erroneous information below is not only degrading or defamatory. It has also damaged my good credit standing, prevented me from having something that I badly needed, and most of all it has caused too much stress which has affected my health. In short, the quality of my life has been negatively affected by this inaccurate information on the credit report which is detailed as follows ; XXXX XXXX XXXX XXXXXXXX Reported :XX/XX/2020 - XXXX XXXX  XXXX Reported : XX/XX/2020 XXXX XXXX XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: MN

Complaint narrative:
DUE TO COVID-19 VIRUS OUTBREAK, I WAS LAID OFF FROM MY JOB. I APPLIED FOR UNEMPLOYMENT BENEFITS AND SELECTED US BANK RELIA CARD  VISA FOR UNEMPLOYMENT BENEFITS TO DEPOSIT THERE. SO I SELECTED DEBIT CARD THINKING THAT A NEW ONE WILL COME, AND RELIACARD VISA FROM 8 YEARS AGO WAS STILL ON FILE. SO I TRIED TO CALLED U.S BANK RELIACARD FOR ALMOST 1 MONTH AND HALF NO STAFF ANSWERS WAITED ON THE PHONE FOR 3 HOURS BEEN CALLING EVERYDAY NO MATTER WHAT TIME IT IS THEY DON'T ANSWER. I CALLED MN UNEMPLOYMENT OFFICE THEY TOLD ME I HAVE TO CALL AND REPORT THE CARD LOST OR STOLEN HOWEVER, I DON'T EVEN HAVE THE NUMBER OF THE DEBIT CARD TO DEACTIVATE IT. I DO'T UNDERSTAND WHY I CAN NOT GET A REPRESENTATIVE ON THE PHONE. WEEKS HAVE GONE BY AND I AM UNABLE TO RECEIVE MY UNEMPLOYMENT BENEFITS. THE US BANK RELIACARD TOLL FREE NUMBER XXXX. I'M JUST TRYING TO INFORM THEM THIS CARD NEEDS TO BE DEACTIVATED AND FOR THEM TO SEND A NEW ONE SO I CAN RECEIVE MY BENEFITS. US BANK RELIACARD MNUNEMP.

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 2020-05-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.

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 2020-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Advance Bureau of Collections
State: FL

Complaint narrative:
Company still did not verify if debt belongs to me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE  LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.

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 2020-05-14 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$150000.00}.

I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- REAL ESTATE LOAN 1. XXXX XXXX with ACCT # XXXX opened on XX/XX/2012 with a balance of {$150000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is not doing a full investigation to verify debt on my credit report information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: NY

Complaint narrative:
Hi, I was a XXXX internet user, my account number was XXXX. 
I decided to discontinue the service from XX/XX/2020. I paid off all remaining balance and dropped off my equipment physically to a XXXX location. I was told by the representative that I was good to go. And I was not given any receipt, I trusted the person and left the store without any written documents that they received my equipment. 
Despite returning the equipment I received a new statement on XX/XX/2020 from XXXX saying I owe them {$59.00} for unreturned equipment. I called their customer service ( Do not recall the date ) and they confirmed I owe them nothing and the statement was sent out as a mistake. I was told everything has been taken care of. 

However, surprisingly I received a letter dated XX/XX/2020 from a collection agency named MRS Associates that I owe XXXX {$59.00}. 

I called the XXXX  to file a dispute and to resolve the issue, but the representative could not help me. In these circumstances, I made a payment of {$59.00} to XXXX   over Phone using my credit card. 

How can I resolve this matter without hurting my credit score? And steps can a consumer take to avoid such harassment? 
I would like to file a formal complaint of negligence against XXXX. 


Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I am a Veteran. I have a VA loan, serviced by Shellpoint. The CARES ACT allows for Veterans to ask for Forbearance. The details are outlined here : https : //www.benefits.va.gov/HOMELOANS/documents/circulars/26_20_12.pdf I requested 180 days of forbearance. The CARES ACT States : 3. Forbearance. The borrower may request an initial forbearance period of up to 180-days, regardless of the borrowers delinquency status. If the borrower makes the attestation discussed above, the servicer must grant the forbearance request, with no additional documentation. This forbearance must be extended, at the borrowers request, for an additional period of up to 180 days. When a borrower contacts the servicer, VA expects the servicer to inform the borrower of the borrowers forbearance rights. The borrower, not the servicer, is entitled to determine the period of the forbearance, subject to the statutory limit of up to 360 days.

Shellpoint told me I could only do 90 days forbearance, and then request an additional 90 days. This goes against what the CARES ACT states. The CARES ACT states I can  request 180 days, and then after that an additional 180 days. I contacted the VA and they said some servicers were not abiding by the rules of the CARES ACT and that my only remedy in their experience is to contact the CFPB which I am doing. 

I would like 180 days forbearance. I requested this from my appointed representative from Shellpoint : XXXX XXXX Loss Mitigation Specialist, Shellpoint Mortgage Servicing Hours of Operation : 8am 5pm ( XXXX ) XXXX ( Direct ) ( XXXX ) XXXX ( toll free ) XXXX shellpointmtg.com

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Freedom Mortgage Company
State: MA

Complaint narrative:
Was late on my XX/XX/2020 mortgage payment due to the result of financial hardship due to the Coronavirus. Was able to pay the total amount on XX/XX/2020 which was 34 days after the payment was due. I have made 27 consecutive online payments and happened to miss this one due to the pandemic. I reached out on XX/XX/2020 when I was notified the penalty went against my credit report asking Freedom Mortgage for a Goodwill Adjustment. Multiple supervisors proceeded to tell me that it was against the law to offer this yet I am reading information that says otherwise. With the CARES Act I have filed for loan forbearance and was hoping to have the remark waived due to the dire circumstances. It is not fair that the Government has decided to shut us all down from work, fumbled the unemployment payments, yet allow our bank lenders who received huge bailouts to still hound us and mark our credit scores. Our scores should actually be frozen until this all resolves in all honesty.

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 2020-05-14 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I AM VICTIM OF AN IDENTITY THEFT, AND I HAVE SEND MY REQUIRED ITEMS FOR MONTHS, I JUST CANT IMAGINE WHY I CANT PROVE THE FACT THAT I AM VICTIM, IF I NEED TO PROVIDE BLOOD TYPE I WILL. AS A CONSUMER I NEED TO HAVE SOME TYPE OF  PROTECTION AND RIGHTS, THE MACYS ACCOUNT IS NOT MINE, THE CHARGES ARE NOT MINE, THE ACCOUNT WAS MAINTAINED WITHOUT MY CONSENT, I HAVE NEVER MADE PAYMENTS ON THAT THAT ACCOUNT, THE FACT THAT I AM VICTIM THAT 100 %, WHY CANT THIS FRAUDULENT ACCOUNT BE REMOVED FROM MY CREDIT PROFILE.

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