# complaints

Product: when Friday
Subproduct: XXXX XXXX
Issue: 60 days after starting the SECOND loan
Subissue: 30 days after the original closing date came
State: ( my dad also rented an apartment )
Submitted_via: nothing but stress and messes and mistakes by the finance company
Date_sent_to_company: lender
Consumer_disputed: Carrington Mortgage Holdings, LLC.
Complaint_ID: FL
Date_received:
Then the second rental home that we were currently renting became "" unavailable '' on XXXX XXXX ( we already extended a week for the closing date ). I was forced into very high priced hotels with my XXXX children and XXXX dogs ( I am employed XXXX and have a big dog ) which cost a fortune after one week. My belongings ( which we had moved three times ) were stuck in the moving truck for 23 days ( {$860.00} XXXX. My XXXX XXXX XXXX dad and I ended up sleeping on a couch and mattress on the floor of the kind person who felt sorry for us. Finally

Consumer_narrative:
 I asked the finance company and realtor if the sellers were going to sign another extension or cancel the contract

Company_public_response:
 to which I received a text saying "" sellers cancelled ''. We were devastated. So much time and money lost. I had to immediately find an apartment to rent in XXXX XXXX

Company:
 and move in over the next couple of days. Then the realtor told me the sellers "" had never cancelled and that it was all a big confusing mess. I live in an apartment now

ZIP_code:
 which is costing us way more than an apartment would have cost before snow bird season. For FOUR months

Company_response:
 and Real Estate Company. I have lost over {$4700.00} not including the {$1000.00} escrow deposit that the sellers wo n't release."


Date_received: 05/06/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: TD Bank US Holding Company
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I enquired at an ATM about my account balance, at TD Bank. I now see that I have been charged {$3.00} for the enquiry. There was no warning at the ATM machine that I would be charged. When I called TD Bank to complain the person who answered agreed that this is XXXX of their more obnoxious, non-transparent fees but he could not do anything about it. Can you look into this ludicrous fee and the lack of transparency. Thank you. The account is a TD Business Convenience Plus account, although I understand now from the bank that it applies to other banking products at TD Bank.


Date_received: 04/08/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Credit agencies Experian, XXXX allowed the collection agency XXXX XXXX XXXX XXXX to falsely report a collections on my credit report to make it seem like they were the owners of the account. The account was paid in XXXX XXXX, 2016. With all the identity theft going around why was this creditor able to falsify the account. I reached out to them, XXXX and all the credit agencies and all I was told it happens dispute so we can investigate in 30 days. Lastly, this error caused by credit score to decrease and I was denied credit as well. The original creditor of the account was XXXX XXXX XXXX in XXXX, TX and they received payment on XXXX/XXXX/2016 from XXXX XXXX XXXX. Therefore the account was paid ever though I disagreed with how the account became mine it 's now paid and in the past. Why did n't XXXX XXXX XXXX XXXX investigate the account before reporting to my credit report and all this could have avoided.


Date_received: 06/08/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
Company: PayPal Holdings, Inc.
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I did log in to my PayPal account to transfet my money to my bank account but my money were locked and I do not have access to a few thousand dollars in my account anymore.


Date_received: 08/04/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: CA
ZIP_code: 900XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX, 2016. I got a letter from Wells Fargo Financial National Bank ( attach letter ) signed by XXXX XXXX. The letter let me know that because I did not accept the offer from Wells Fargo Financial National Bank I was responsible for the full deferred with 27.99 % + 27.99 = 55.98 %. Now I am paying 55.98 % this is incredible.


Date_received: 07/26/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Navy FCU
State: FL
ZIP_code: 322XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2016 I visited navy federal to see if I could apply for a loan. I spoke with rep at the branch XXXX and I advised her my score was XXXX but since I been on XXXX my credit score has decreased.Then she said then you may not get approved I asked her after 15 years of banking with your company there 's nothing you can do she said no. Then as I explained my situation she said he has referred a lot of members to some company call XXXX XXXX but could n't remember the exact name. I started searching for the website and multiple websites popped up.So I applied for a loan and on XXXX/XXXX/16 I received an email saying I was pr approved for XXXX but I only needed XXXX. The email I received says XXXX XXXX then there after I received a phone call from XXXX saying that I was approved they asked what was my hardship and then the stated to prove my identity and tat the account belongs to me they would have to do a test and deposit $ XXXX {$2000.00} and one I receive to send it right back then I would have the funds I applied for within an hour.The same day I received an alert that I have {$200.00} so I go to the ATM and withdraw the cash and then someone name XXXX called and said you will receive the funds at midnight. So I called the branch to see if there was anything showing suspicious on my account rep XXXX said no I then told her I received a call from a company saying I was approved for XXXX and there calling from XXXX XXXX CA I asked could she call them to make sure that was the company name. Rep attempted to to call but said she was not able to make outbound calls.So XXXX/XXXX/16 I received an email from NFCU saying deposit received then an hour later next email said deposit approved. So at that very moment I felt like it was legit.I ask the loan company how was I to send there money back he said go to XXXX and purchase XXXX cards and I purchased all they had totaling up to XXXX. I was asked to email the info on the back of the card.Then loan company asked where is the remainder I told him I have to go to another store to get the rest so I did. I then asked when will I receive my deposit he said he would call me back in 30 min.I set there for almost an hour at my bank. so then I called them and then XXXX stated XXXX needed an additional {$450.00} for insurance I told him I did n't have any funds so after that conversation I heard nothing from loan company. So called navy federal on XXXX/XXXX/16 telling them to close account because I felt something was n't right and explained the situation.Called NFCU on XXXX after they close previous account and learned that a fraudulent check XXXX check for XXXX was deposited and caused my account to be negative I told the rep XXXX I never deposit a check and I ask him can he email me copy of the check at this point I 'm LIVID! so the rep said mam looks like a scam. At the same time my XXXX check was pending so I asked another rep was account ok he replied yes. So when my XXXX check deposit NFCU applied my XXXX check to the negative balance of XXXX. I went to the branch upset angry and frustrated. I spoke with a rep name XXXX and she tried her best to get my XXXX check back to me but then out of no where XXXX XXXX the assistant mgr walks in the office looks at the screen and says mam there 's nothing we can do at the this point I became very irate because XXXX XXXX accused me of depositing I check I never see nor sign. I explained to the XXXX mgr mam I have to take my meds for high bp and my son that has XXXX and needs his XXXX. I stressed to asst mgr I have to pay my rent she said I had to wait 10 days.Then I became very irate and said mam this is so unfair how am I gon na pay my bills and feed my children .Asst mgr never apologized or showed any sympathy. Officer XXXX walked in the office and ask did I want to file a police report I said YES! mm for XXXX yr


Date_received: 05/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: OH
ZIP_code: 454XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Transunion said they investigated a judgement against me and that it showed a XXXX balance, but it is still showing an amount no discharged accounts can show an amount .The original basis for the judgement from XXXX XXXX shows a XXXX balance as it should but transunion is showing a dollar amount under civil judgement and is not showing it discharged in bankruptcy, so it is incorrect.


Date_received: 03/24/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Carrington Mortgage Holdings, LLC.
State: OH
ZIP_code: 431XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX qualified for Save the Dream Program XXXX. Payments were paid to XXXX XXXX XXXX until XXXX XXXX XXXX when account was sold to Carrington Mortgage then the payments were paid to Carrington Mortgage starting with XXXX XXXX XXXX each month ( they did not receive the XXXX payment until in XXXX or XXXX because They told me Carrington M. Had not returned the paperwork to accept the program. Ohio XXXX contact Carrington M. asked why. I was told that Carrington M said they had not gotten around to filing the paperwork when the paperwork was received by Ohio XXXX they sent them the past due amounts ) thru XXXX XXXX XXXX in XXXX XXXX XXXX i started paying my house payment to Carrington Mortgage. I received a statement stating my house payment increased from {$740.00} to {$840.00} I called and told them this was wrong. My payment was {$740.00} they said i was behind on my payment buy {$2300.00}. i said that not possible my payments were paid by Ohio XXXX. I was told the payments had not been paid. I called Ohio XXXX. The payments had been paid i then receive a statement stating i was {$1500.00} past due. and found out that my payments were placed in an account titled Unapplied Funds with a total of {$2300.00} in it. Because Carrington M increased my payment and held the payment paid, was charging late fees each month and had the money in the Unapplied Funds. I paid my payment on XXXX XXXX of {$790.00} deducted from my account on XXXX XXXX ( all House payments are showing on my bank bill pay as HOUSE for my convenience ) in XXXX i received a statement for the total amount due of {$2300.00} i called Ohio XXXX again they had to straighten Carrington M out again. I paid {$820.00} for XXXX and for XXXX, XXXX, and XXXX and forward i paid {$780.00} each month. As you can see in compareing my XXXX Bank Bill Pay with Carrington Mortgage own records that my account compares to the same payment date of with draw from my account. I paid full payments plus for 5 months meaning I paid in interest over {$2000.00} not the {$1200.00} that they reported to the IRS. I have called Carrington Mortgage since XXXX XXXX Four times about their mistake they tell me i did not pay this much in interest I sent them the same attached information as I have sent you. you will also see where they have charged double interest in XXXX and XXXX. I have my Taxes to file and they are holding me from filing my taxes because their wrong reporting to the IRS what they reported and said I paid is what Ohio XXXX Paid and what Ohio House paid is what I paid they have the XXXX figures switched. They will not listen to me or pay any attention to my statements or their own recordeds. Please help me. I dont know if someone is trying to swindle money or what i just know what I paid and that every since they have had my account they have tried to say im not paying what i have paid and trying to get me to pay more. I need to file my Taxes and my INTEREST PAID ON MY HOUSE NEEDS TO BE CORRECTED FOR ME TO FILE TAXES.


Date_received: 05/12/2016
Product: Credit card
Issue: Delinquent account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: TN
ZIP_code: 370XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
RE : XXXX/CitiBank Credit Plan credit card account I paid my balance in full by phone on XXXX/XXXX/16 BEFORE the due date of XXXX/XXXX/16 because their website was down, which I 've always used to make my payments ... and I ALWAYS pay in full! I also rec 'd a confirmation number from the phone customer service rep. However, when I rec 'd my next statement ( on XXXX ) there had been no payment and there was a late fee and interest. I was flabbergasted and confused ... and VERY upset! So, I immediately called and talked to XXXX, another phone agent, at Citibank ... who took my information AGAIN over the phone and promised to correct the error. When I checked my credit report later, I learned that they had listed my account as 30 days past due. SO, I website chatted with another Citi agent/manager XXXX XXXX XXXX, who instructed me to write a letter and they would correct the error ... again. They did reverse all fees and interest, BUT never corrected my payment history. This is inexcusable and of no fault of mine ... and REALLY damaged my credit, which was perfect. Please HELP!


Date_received: 06/20/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
State: Equifax
ZIP_code: CA
Submitted_via: 957XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 06/20/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
This is the second time I have filed this same dispute with Equifax. The first time I sent the documentation that the recorded State Lein was Released along with the notation from the State stating THERE WERE NO FEES AND THE LIEN WAS FILED IN ERROR. I then filed again ( with the same documentation ), and noted that it clearly stated the LIEN WAS FILED IN ERROR, yet they still refuse to removed it off my credit. I was on the phone with them for 42 minutes today, and they refuse to remove it. They just say the document says the Lien was released. Then I say well of course they had to release it, it was invalid. Then I ask them " do you see that it clearly states in BOLD the lien was filed in error? '' They say "" yes

Company_public_response:
 but it was released and that is all we will change ''. I even pointed out to them their own Policy clearly states if it was filed in error it will be removed. They just refuse to remove this off my credit."


Date_received: 05/02/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes complaint is the result of an isolated error
Company: Ditech Financial LLC
State: MD
ZIP_code: 208XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Lender has set a foreclosure sale date during short sale review process. Short sale was submitted for review. DiTech mis-assigned the file and changed systems which created delays. Alleged correspondence from DiTech requesting additional documents never received. Although this is in loss mitigation review, DiTech has now scheduled a sale date and refused to postpone to review for short sale.


Date_received: 05/23/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Diversified Consultants, Inc.
State: TN
ZIP_code: 381XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Diversified consultants provided me with documentation that does not state for the debt amount they are asking for which also did not provide me with the documentation of the debt within five days that I contact the company on XXXX/XXXX/2016. When I talk to the original creditor. The original creditor respond to me that it is about another debt. So diversified is using fraudulent papers in order to get me to pay some one else debt. So in order to get this issue resolved. I am asking diversified to immediate delete themselves off my credit report.


Date_received: 04/29/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company: Transworld Systems Inc.
State: CA
ZIP_code: 953XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was told that I needed to take out a private loan while attending XXXX college in XX/XX/XXXX-XXXX. The financial aid department was n't clear about the interest rate and the whole time I attended heald I was told false information, such as job placement. They did not care about the students, if I was late on a XXXX payment they would not give me access to login onto the computer until I payed, which would affect my academics if I did n't pay on time. They would even pull me out off class to let me know I need to make a payment, This was humiliating for me.


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I got a copy of my credit report and there are things that just are n't accurate on it. I am greatly concerned because I am a good paying person and do n't want people to think otherwise because of these mistakes that are on your report about me. Please fix the following items so anyone who looks at my credit report will see what a good payer I am. Incorrect Name XXXX XXXX Why is my name not showing correctly? You are provide incorrect information on my file. Please update ASAP with the ID provided. XXXX XXXX XXXX I can not agree with the information you are filing in the status, payment status, account number, high balance and the terms of this account. Corroborate this, correct it and/or delete immediately. XXXX XXXX/XXXX/2015 This inquiry must be an error as I do not recall applying to this company


Date_received: 04/01/2016
Product: Credit card
Issue: Other fee
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Fake fees " XXXX XXXX '' where on bill. I call AmEx XXXX to remove charge. They refused. I canceled credit card and next month that charged me the same kind of fee again even after card was closed."


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: TX
ZIP_code: 787XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been disputing XXXX accounts listed in collections on my credit report that do not belong to me. The DOB and SSN do not add up on XXXX of them since they belong to my father ( we share first name ) and the fourth account has my brother 's name on it which is nowhere close to my name and different DOB. It 's been almost five months and I managed to get the other XXXX bureaus to remove the information but after a lot of correspondence and frustration I managed to only get XXXX out of XXXX accounts cleared with Transunion. I have contacted the collections agency in writing who in turn verified that the information from their client does n't match the accounts in question but Transunion has repeatedly failed to remove it citing a dispute was never listed on more than one occasion contradictory to my call documentation. At this time it 's been disputed now for the third time and I 've even filed a complaint with the XXXX but this has damaged my credit history and hindered my ability to get my vehicle refinanced. I only discovered something was wrong because my wife worked in the collections industry and suspected something was wrong when she saw the FICO score drop by a large amount last year.


Date_received: 05/16/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 907XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my parents mismanaged and froged signatures along with opening up and sending me my mail causing it to go down. XXXX fired 3 days notice and stopped of XXXX poayments 3 days niotice XXXX 2016


Date_received: 05/23/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase Bank has not moved forward with foreclosure, which they supposedly were doing according to response on first complaint case # XXXX. This property at XXXX XXXX XXXX XXXX ca has been a financial drain with code enforcement fees and vandalism. It has been vacant for several years now. Please help, thank you.


Date_received: 05/09/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NY
ZIP_code: 103XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Macy 's Consumer Credit card continues to charge me {$2.00} a month for XXXX balance on my card. I have tried numerous times to have this solved. On XXXX XXXX with {$4.00} charged to my account I called ( XXXX balance ). They claim is interest of the unpaid balance which was paid in Full in XXXX 2016. They told me if I paid the {$4.00} there will be no further charges. Received my bill again today, and {$2.00} charge again on my statement. This is a rip off. They refuse to refund me. How can they get away with this??? WORST CARD EVER!!


Date_received: 04/04/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company: Weltman, Weinberg & Reis
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Today XXXX/XXXX/16 at my place of employment I was contacted by Weltman, Weinberg, and Reis. This is the 2nd time they have contacted me at my place of employment even after I submitted a complaint to the consumer financial protection bureau on Friday XXXX/XXXX/16. Today was a different man attempting to contact me. His name was XXXX XXXX. Phone number XXXX ext XXXX. He would not state what debt the call was about. This is the second time this company has attempted to make inappropriate contact with me.


Date_received: 05/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have XXXX bankruptcy 's on my report that are reporting inaccurate information. Both cases are showing a claim amount of XXXX and a liability amount of XXXX. I requested that Experain verify that information and report accurate records. Experian keeps reporting the same information without verifying that information with the credit agency. According to law they have 30 days to verify that information or removed it form my credit file. Secondly Experian keep sending out notices stating the investigation will take 60 days and thus far its been 6 months and Experian has verified nothing and still reporting inaccurate information


Date_received: 05/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: IL
ZIP_code: 616XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Experian fails to remove the XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2016 even though I received a XXXX Cancellation of Debt from XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: VA
Subissue: 236XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This situation is a great example of the extreme power XXXX BANKS have over small consumers. PATHETIC!


Subproduct: World Omni Financial Corp.
Issue: FL
Subissue: 330XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Notice : The amount Toyota is asking me to pay was included in small letters in a XXXX pages contract that I signed, but, unfortunately I did n't read.


Date_received: 05/23/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Company: Equifax
State: NE
ZIP_code: 681XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have sent Equifax XXXX notices to resolve an issue on my credit report regarding XXXX XXXX XXXX XXXX which has to accounts on my Equifax reports. These accounts are now been negatively impacting my reports for almost 8 years. And because they have reached their 7 year mark, they need to be removed immediately. As I am trying to get mortgage.


Date_received: 04/11/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Financial Credit Service, Inc.
State: MN
ZIP_code: 554XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I was contacted on XXXX/XXXX/XXXX in regards to a payday loan I supposedly taken out on XXXX/XXXX/XXXX. I requested the specifics of the payday loan as I agreed to taking out payday loans in the past but never defaulted on it. The person could not give me any specifics as to who the complainants/broker were however ; she did state the financial institution was XXXX XXXX. I am very skeptical that this is my debt as I 've have excellent history of paying my bills on time for the last 8 years no late payments on credit report at all. As a matter of fact I am certain this payday loan was paid in full. I am sure this is some sort scam or scare tactic and I am not sure what they will try to do to get money from me. I ca n't say the debt is mine or if I 'm a victim of identity theft. I am currently with the same bank and never received any sort of communication about debt being outstanding. I 've lived at the same address for 6 years prior to moving in XXXX XXXX. I have never received any sort communication about delinquency which raises concerns. Could someone provide information on the legitimacy of this debt collector? They only provided a number no company name is noted on answering machine XXXX. Lastly, I checked the debt was paid in full however it may not be mine at all considering they could not provide me any details on the debt.


Date_received: 05/19/2016
Product: Credit card
Issue: Advertising and marketing
Company: Amex
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I opened an American Express gold card last year when booking XXXX XXXX flights to XXXX. The card advertised XXXX free miles to Gold AMEX customers. The miles were to be credited within a certain time-frame. As the miles were never credited to my account, I called American Express and complained. I was told that I was not eligible because I previously had an AMEX gold card. After I complained that this was not disclosed, the agent promised to credit the miles to my account. Several months letter, I followed up with another phone call only to find out that AMEX had no intention of crediting my account. They claimed that this was disclosed when I opened the account but could not tell me or provide me with any back up information to substantiate their claim. I notified them that their practice was illegal and told them I would be filling an official claim. Sure enough, they are sticking to their story - they notified me that this was disclosed during the on-line application process. I was not aware of it and as far as I am concerned, this was not disclosed. They can not prove that this was disclosed and none of my disclosures that I received show this being disclosed. What prevents AMEX updating their disclosure a year later and claiming that I was subject to it? I think that this is a deceptive practice to lure people into products which they otherwise would have no interest in attaining. What are my rights here?


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: MD
Subissue: 217XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
After waiting nearly 4 months ( and paying fees ), I was told that I would not get the points because I was not targeted. This is ridiculous as I entered the promo code when creating account and confirmed with representatives that it was attached to my account.


Date_received: 03/29/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: BA made their decision. Further
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Bank of America
Submitted_via: MA
Date_sent_to_company: 019XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 03/29/2016
Consumer_narrative:
This issue is with Bank America charging me for condo fees that were never in default. I was working with BA with XXXX XXXX about this issue. The last conversation I had with XXXX XXXX is that I had proof that the fees were never paid to my Condo Association and I would mail them to him.. I then contacted my bank and received a bank statement showing no payments from BA were paid. I sent a letter to BA on XXXX XXXX, XXXX with the document. Before receiving the letter BA sent me a letter that I was " no longer eligable '' for a dedicated emploee to handle my complaint. { Enterprise Customer Care Resolution group } and rejected my claim. BA did not review my proof and has not produced their checks showing payments. The letter with proof was not received by BA to address my complaint before

Company:
 BA has never produced copies of checks proving payment. The details of my complaint are below : Bank America charged me for XXXX Home Owners Association Fees ( HOA ) that were never paid to my Condo Association and they were not deleted from my Loan Modification fees. I was not in default of my Condo Fees.. I submited the following documents to BA. A copy of BA Transaction Report page XXXX which shows in the payments column XXXX ltems dated XXXX/XXXX/XXXX for {$4100.00} and {$4700.00} for a total of {$8900.00} charged on my Loan Modification Agreement. The condo fees were not in default. I mailed a copy of the bank statement made to my Condo Association showing that no payments were charged. The result is that BA charged the fees incorrectly and the fees should be returned to me. I am unable to attach the documents to this complaint."


Subproduct: CashCall, Inc.
Issue: WA
Subissue: 983XX
Company_public_response: Consent provided
Company: Web
State: 05/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Then 2 to 3 weeks ago I 've been receiving robotic calls again from XXXX at home and work stating that I need to call back XXXX with claim # XXXX. I 've called an attorney today and they told me the claim # provided from XXXX, there is no such claim or case number against me. I have been reading posts on this number and all the post states it 's a SCAM and suggests that I report this number to CFPB and the attorney suggest that I call the attorney general 's office and file a complaint, so this is what I am doing. I 've blocked the number from my home but they find other ways to call.


Date_received: 04/19/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Making/receiving payments, sending money
Company: Citizens Financial Group, Inc.
State: CA
ZIP_code: 916XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Hi I sent {$3700.00} to my son by using the pay bill online service of the Citizens Bank. The money was cashed by somebody else. The Bank refuses to refund my money and claims that the check that was sent to my son was altered by somebody who scanned and cashed it in XXXX What recourse I have?


Product: that quote is the most heinous
Complaint_ID: Yes
Date_received:
I have recently asked for a reimbursement from Campus Student Funding LLC for monies paid -- they declined. This is money that I should not have paid for from the beginning. I quote XXXX stating that " paying for these loans from the beginning teaches students about financial obligations and responsibility ''. After what XXXX was found for


Product: defraud other individuals
Complaint_ID: Yes
Date_received:
I 'm complaining about XXXX -- Campus Student Funding LLC. They have worked with Corinthian in scamming students into high priced extra loans that were used as a mere gambling scheme to fill their pockets


Product: and have been found that XXXX was one of their biggest profit makers
Complaint_ID: Yes
Date_received:
XXXX - CSF LLC has several class action lawsuits vs them and their affiliates for defrauding investors of the company


Complaint_ID: Yes
Date_received:
I am looking for a settlement of the money I paid only in principle which is {$2700.00} not including interest ( 8 % ). With the truth out about this XXXX partner in crime


Date_received: I have included court documents
Subproduct: the constant is truth
Complaint_ID: Yes
Product:
 local Oregon news articles that have tied this scheme with XXXX from the beginning but now have just been found and their time is up. As I said in life


Subproduct: Campus Student Funding, LLC
Issue: CA
Subissue: 941XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: No
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I would like a response about a reimbursement and relief and CFPB a response about their current standing with this company."


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: CA
ZIP_code: 935XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a loan with Ditech Financial. The investor of the loan is XXXX and the originator of the loan is XXXX. I submitted documents for review for a loan modification and my loan went into review in underwriting on XXXX XXXX, XXXX. The file was assigned to XXXX XXXX of Ditech at XXXX ext. XXXX. A pending foreclosure was postponed to XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Ditech underwent a system upgrade and advised me to call back on XXXX/XXXX/XXXX for a ststus update. I called back on XXXX/XXXX/XXXX and was advised to send in updated documents including XXXX tax returns, rental agreement, paycheck stubs and bank statements. I faxed all the documents to XXXX on XXXX/XXXX/XXXX. I checked back on XXXX/XXXX/XXXX and was told that the file was in underwriting and a decision would be made within 2-3 weeks but to call back every week. I called on XXXX/XXXX/XXXX and was told that there is no new update and the file is still in underwriting. I called again on XXXX/XXXX/XXXX and was told that the file was still being reviewed for a possible loan workout. I called on XXXX/XXXX/XXXX and found out that the house was sold for {$330000.00} back to the beneficiary XXXX. Ditech is in violation of the California Homeowner Bill of Rights prohibiting dual tracking of foreclosures whereby a homeowner is in active review of a loan workout with a single point of contact and underwriting review pursuant to Cal. Civil Code 2924.18. Ditech did n't give me any explanation as to why the property was foreclosed. The rep said that they received notification to move forward with the foreclosure.


Date_received: 05/18/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: TD Bank US Holding Company
State: MA
ZIP_code: 018XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was scammed by someone that opened an account at TD Bank. They were able to open an account - identifying themselves officially on the account as " XXXX ''. They told TD Bank that it stood for XXXX XXXX XXXX XXXX. As part of their scam which was successful ( when I wired money to them thinking I was buying a car ) they told me that stood for XXXX XXXX XXXX Account. Why anyone receiving large sums of money should n't have to identify themselves -I have no idea. But TD Bank is making it easier for Scam Artists to operate in this way. I 'm sure the scam artists appreciate TD Bank accommodating them."


Complaint_ID: Yes
Date_received:
Over the next months, I had numerous phone calls with Capital One representatives, including several managers. The representatives told me that the charge will go away when their " internal investigation '' is finished. I was told this could take 2 months but in the meantime Capital One would erase any fees and interest. However


Product: again
Complaint_ID: Yes
Date_received:
A few months ago I was assured that the charge will definitely not show up anymore and neither would any fees and interest. However


Subproduct: Capital One
Issue: NY
Subissue: 106XX
Company_public_response: Consent provided
Company: Web
State: 04/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have spent hours on the phone. It is a very high charge and I feel helpless get this issue resolved."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: OK
Subissue: 744XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
However, Friday they sent me a new letter telling me they were not honoring their end of the agreement. I advised them I have their confirmation in writing that I would receive the points, but they do n't care. This is a breach of contract at least and possibly even fraud. The reasoning they gave for me not getting the points is because they want proof I was targeted for this offer, but I do n't have the letter I initially received anymore. I threw it away after their reps confirmed in writing that I qualified.


Date_received: 05/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: IL
ZIP_code: 622XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax is showing a debt from XXXX XXXX XXXX XXXX with a balance of {$270.00}, this debt is from 2009 and is past the statute of limitations. Seven Years


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: GA
Subissue: 302XX
Company_public_response: Consent provided
Company: Web
State: 07/07/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
This CORPORATION tried to make a deal with me and accept a lower payoff which is against the law. These DEBT COLLECTORS are Greedy, and they know I do not owe them anything.


Date_received: 03/22/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
Company: Fleet Financial, Inc.
State: VA
ZIP_code: 787XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
As I am getting my credit report I see a car loan request and I have never applied for a car loan thru this company. I am more than certain my ex-spose has been applying for loans with my ss # without my consent. I have been divorced from him since 2006.


Date_received: 05/17/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company: LTD Financial Services, L.P.
State: NY
ZIP_code: 147XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I would like to bring attention to the illegal activity that LTD Financial Services is doing. I had spoken with rep XX/XX/XXXX about a settlement. She was very extremely rude. I wanted to know why my parents had been called, especially since I have not spoken with them in over 8 years. I asked what skip tracing tool was used to locate this information. She refused to tell me so I could give follow up with my concern with the skip tracing company. Either way I requested that all number but my number XXXX be removed. Then I offered a settle on the account to close it out at that time of {$200.00} right then over the phone. This card was impossible to make payments on. I could never log on online and I could never reach anyone over the phone to make a payment. I also never got any statements from them. If I was able to make any payments on this I would have. It was n't possible. It is n't like I did n't try. I left {$200.00} was a good amount and a fair amount due to the trouble. When she refused the settlement I asked for a cease and desist on the account. I also wanted a fax number to fax in a cease and desist. On XX/XX/XXXX I faxed in a Cease and Desist to XXXX with my account number on it of XXXX. A week later a received a letter in the mail from LTD for a settlement amount. I had also continued to receive several from that point on. Today XXXX/XXXX/2016 I finally answered when LTD called from XXXX. I spoke with XXXX XXXX ext XXXX. I advised him that I was under a cease and desist. He claimed LTD never received anything. I once again advised I wanted a cease and desist on the account and he stated he put it in for me and also gave me the same fax number as before. I will be faxing another cease and desist over again tomorrow. I also asked if they still would decline the settlement offer that I offered and he asked how much. I said {$200.00} today to close it out. He basically just laughed at me. Not very professional, but I understand the type of industry, it 's rough. Either way concern is that this company is illegally contacting people when they have cease and desists on account. They need to be held responsible for their actions.


Date_received: 04/26/2016
Product: Credit card
Issue: Billing disputes
Company: Amex
State: NH
ZIP_code: 037XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2015 Amex XXXX XXXX XXXX XXXX made an inquiry of my credit file with XXXX without my concent


Date_received: 05/08/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
In XXXX of XXXX my now ex-wife, XXXX XXXX, and I took out a HELOC with State Farm Bank ( " SFB '' ) ( Loan No. XXXX ) that was secured through a home that I owned prior to marriage. This HELOC was secured through a Deed of Trust ( "" DOT '' ) that expressly provided that repayment of the DOT was the responsibility of the Trustor who as the DOT states are "" XXXX XXXX XXXX and XXXX XXXX ; as husband and wife ( 'Trustor ' ). '' This DOT was entered into in California and under California law in the event of divorce marital debt is to be split evenly between spouses. Most succinctly

Company_public_response:
 the DOT states that "" each Trustor signing below is responsible for all obligations in this Deed of Trust. '' After enduring XXXX I filed for divorce. In the divorce proceedings we discovered that XXXX XXXX had redirected more than {$330000.00} of marital funds

Company:
 including from the HELOC into XXXX of the XXXX separate accounts she maintained. I lost my job in XXXX of XXXX and was unable to pay the HELOC and was forced into Ch. XXXX bankruptcy in XXXX of XXXX which was dismissed in XXXX of XXXX. During the bkrptcy


Product: interest
Subproduct: and other amounts
Complaint_ID: Yes
Date_received:
She stated that Ca. law does not apply and that the loan documents do not show that my ex-wife was liable for this debt. I told her she was n't being truthful and demanded the documents be sent to me. I received the documents 2 days later -- the DOT with equivocation states that she is a Trustor and that "" EACH TRUSTOR AGREES '' to pay the "" indebtedness '' meaning "" all principal


Complaint_ID: Yes
Date_received:
Moreover because XXXX XXXX advised that my house would be sold in "" XXXX or XXXX '' I had to fire sale my house at a price that was {$70000.00} less than its value. The sale of my house is set for XXXX XXXX


Subproduct: State Farm Bank
Issue: CA
Subissue: 908XX
Company_public_response: Consent provided
Company: Web
State: 05/08/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I want to stay in my home but at minimum forcing me to pay XXXX debt is a violation of California law and the DOT and is morally wrong."


Date_received: 05/18/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: formerly operating under XXXX XXXX XXXX."
ZIP_code: Transworld Systems Inc.
Submitted_via: TX
Date_sent_to_company: 750XX
Company_response: Servicemember
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/18/2016
Consumer_narrative:
We received a mailed collection letter from Transworld Systems Inc in the amount of {$13.00} plus {$1.00} collection fees on behalf of XXXX XXXX XXXX. This is not our debt, for XXXX reasons : 1 ) we have not done business with XXXX and 2 ) the letter is addressed to " XXXX XXXX XXXX ''

Company_public_response:
 which is XXXX for "" select or enter. '' A quick search on XXXX shows that this is a common ploy for Transworld Systems


Date_received: 05/20/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Contract Callers, Inc.
State: IL
ZIP_code: 622XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX, has resold the same debt that I 've issued complaints to CFPB previously regarding. XXXX is not being represented by CCI Contract Callers, Inc XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. XXXX funding, nor CCI has ever provided verification of originating debt. No signature cards have been provided and CCI, XXXX funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate XXXX Funding and CCI for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. XXXX funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. XXXX needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.


Date_received: 05/20/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ERC
State: FL
ZIP_code: 338XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
This is a unknown debt. I have disputed and requested validation and nothing has been received. Please help


Date_received: 03/30/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: AES/PHEAA
State: MA
ZIP_code: 027XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The American Education Service has continued to send me electronic bills, call me and sending my account into collections after I have given them the court documents showing my student loans, both federal and non-federal, were discharged in bankruptcy in 2013.


Date_received: 05/11/2016
Product: Credit card
Issue: Balance transfer
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: CA
ZIP_code: 941XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a credit card with XXXX balances ; XXXX balance is a transfer rate at 0 % and the other is purchases I make on my account. I am making excess payments that I understand from the Federal Credit Card Reform Act that should decrease my balance on the interest part of the card, however I am told by US Bank that that is not correct and I must pay off the card before the interest part of the account starts paying.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: CA
Subissue: 940XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
And got a confirmation message that I have met all requirement and the bonus will show by XXXX/XXXX/2016 in XX/XX/2016. But in XX/XX/XXXX, Citi denied my bonus says I am not the targeted user.


Date_received: Trans Union XXXX/XXXX/XXXX Re : XXXX/City of XXXX XXXX XXXX XXXX XXXX
Issue: the date served and or mailed
Complaint_ID: Yes
Product:
 XXXX XXXX Co. XXXX XXXX Tickets : - XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX I originally disputed this collection with you on XX/XX/XXXX. Since it has been supposedly investigated by you 3 times. I believe your investigation process is inadequate and on each time the The City of XXXX

Subproduct:
 Co simply states that I owe the debt but they and you will not provide me with the date of service. Per letter of XX/XX/XXXX I have to be personally served. That does not include being mailed a copy. If I am not personally served with in 90 days of the supposed infraction the ticket has to be dismissed. I have asked Trans Union numerous times to provide proof of personal service


Date_received: 05/22/2016
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Company: Platinum Holdings Group, LLC
State: OR
ZIP_code: 974XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Worldwide Asset XXXX, LLC has garnished my entire paycheck for the next three months. Everything I make after taxes is to be sent to them by my boss. This leaves me with XXXX income, how am i supposed to live? I do n't even remember what this debt is from, and i do n't remember charging such a large amount, ever.


Date_received: 08/11/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: CO
ZIP_code: 801XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 08/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
US Bank, unauthorized, paid a {$470.00} bill via my checking acct bill pay to a different bank and acct #. They acknowledged mistake but their bank is too big without proper leadership to be able to correct their problem - which became mine. My perfect credit rating is now at risk, I ca n't pay the correct biller because US Bank 's bill pay is corrupted. They have no accountability nor proper customer service.


Date_received: 05/11/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company: the company did not or would not publish the balance or payment schedule. Now two months later
Date_sent_to_company: immune from federal regulation and claims ( you will be limited in what claims
Company_response: if any
Timely_response: you may be able to assert )
Complaint_ID: but this is excessive and was not disclosed at the onset."
Consumer_narrative:
We originally requested a payday loan from XXXX XXXX ( see original document sent my mail ) in XX/XX/XXXX The company misrepresented the finance charges associated with the term of the loan. We were originally told the cost of this loan was going to be {$1200.00} in interest above the original loan amount. Originally the payments came out on our paydate as expected. The amount was large ( {$280.00} twice a month ), but we knew that payday loans are an expensive form or finance, so at first we just paid and did n't really check further. After three months of payments, thinking we must surely be close to payoff, I can no longer find Castle Payday online, it is now Big Picture Loans ( XXXX XXXX XXXX XXXX, XXXX ) I found this out because the payments on my check register no longer stated " XXXX XXXX ''

Company_public_response:
 but now "" Big Picture Loans '' which did n't jive with the original agreement. Further upon trying to logon to the account

State:
 they finally posted the payment plan and what a shock. This company is charging us 927.7664 % interest. By the time the loan is paid

ZIP_code:
 it will have cost us XXXX!!!!!!!!!!! This was NOT what was represented and we do n't know what our legal rights are. We did NOT agree to this outrageous piracy. This is predatory lending. Please help! I have been told on the phone that Tribal Lending does not have to comply with Federal regulations. I 've already paid them {$3000.00} to date and the payment and payment due date keeps changing. It is no longer on our payday. This ca n't be legal. The "" contract '' that says we agreed is not what we were told or given at the onset

Submitted_via:
 the interest rate is DEFINITELY not what we agreed to and had we known that they consider themselves a Sovereign State

Consumer_disputed:
 we definitely would never have taken this out. We have used payday loans in the past and realize they are pricey forms of funds


Subproduct: Equifax
Issue: AL
Subissue: 352XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: but this is excessive and was not disclosed at the onset."
Date_received:
On XXXX XXXX, 2016, XXXX reported a bogus {$500.00} balance to Equifax. Consumer disputed this balance and remembered that Equifax had did an investigation back in XXXX XXXX, 2016, and found this account to be paid in full. I called Equifax and requested an immediate deletion, but both the phone rep and XXXX supervisors stated that XXXX has a right to place a bogus balance and that I would have to wait 30 days for verification, even though Equifax had already verified that the account was paid in full. This is totally illegal.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Transworld Systems Inc.
State: PA
ZIP_code: 190XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Our household received a letter at our family address from Transworld Systems, a debt collection agency, attempting to collect a debt owed to XXXX XXXX by " XXXX XXXX XXXX. '' NO ONE in the household is named "" XXXX XXXX XXXX. '' We DO NOT owe money to XXXX XXXX."


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company: JPMorgan Chase & Co.
State: MI
ZIP_code: 494XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I live on the 5th floor of a condominium building. Chase Mortgage is demanding I provide excessive flood insurance coverage on my personal unit policy in addition to the flood coverage my association provides. On the 5th floor it is inconceivable that flood waters could ever rise high enough to enter my unit. I feel this coverage is unfair and an unnecessary and unjustified additional expense to me.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Discover
State: OK
ZIP_code: 734XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
i opened a discover card in my name in XXXX it was paid every month till XXXX. I broke XXXX and I knew I had insurance thru discover that would make my payments, I called discover and they did make them. I went back to work XXXX for XXXX yrs but the strain XXXX and the work load I had I became very ill I could not do my job safely for me XXXX. I had a XXXX! I ended up in a terrible state of mind. Then my husband XXXX another car on XXXX he was out of work XXXX then his co. after XXXX fired him the day before XXXX. We ended up consuladating our credit cards with XXXX XXXX and made all those payments lived on our XXXX and I have been on XXXX since XXXX. I had insurance on the discover card that was to cover ; consumers to insure repayment of loan if the borrower dies, becomes ill XXXX. So I called them, they told me I cancelled my policy! Why in the world would I do that!! I 'm XXXX and I have no money. Now here we are nothing from discover all this time. we used to make XXXX figure income. My husband works for {$17.00} hr. I still am on XXXX. I know now that discover was sued and had sold XXXX XXXX people the same insurance they did me which was no good. THAT IS NOT MY FAULT, plus they sent my husband a card added his name and their wallet protection plan some time in XXXX never signed anything.So now I believe discover sold the debt to Hood and XXXX Attorney out of Arkansas. They file XXXX a wage garnishment for 25 % of my husbands check in XXXX XXXX. A writ sent to XXXX XXXX for garnishment and we had no knowledge of any thing till his check was short. Then we ask for a stay till we could go to court, we are at XXXX and go to the church on Tues for food. Our house had to go thru the XXXX loan with XXXX we went from XXXX left to to 30 yrs and our payment is still {$1100.00}. Our meds cost so much and to just live. ok so even after me filing the stay they continued to delay paper work I called at least 3 times. out of XXXX checks they took over {$1000.00} out, the Judge ruled {$150.00} a month not {$500.00} so then I was over drawn at the bank on our house payment and it made me late on paying other bills. so there is late fees and we could not get our meds which endangers my life. my electric was on cut off and I have XXXX at night, I 'm so nervous and upset my XXXX is worse and it has got my XXXX so stirred up my husband had to hide our XXXX cause i get so upset and obcessed I just want to check out I cant handle it.. Then XXXX and XXXX sent XXXX refund check back. It was refunded to me only XXXX XXXX. XXXX XXXX XXXX. a firm for discover also sent refund check XXXX XXXX XXXX XXXX all in my name not my husbands. How can they garnish my husbands wages but yet the card was in my name. The Attorn know they ca n't take my XXXX. So they continue to take from his check and he is not even getting a regular XXXX hr a week. We eat XXXX meal a day. How can they do this, I know both these Attorney firms have been in trouble for their collection practices. I know Discover should have been paid it 's not my fault and its not fair to garnish his wages and there are so many other things wrong with this whole thing from Discover on down. Please I 'm begging them to stop please just stop all of them It 's been XXXX I cut up every card we had including Discover. They charged me for XXXX They should owe us for all this mess.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Credit Protection Association, L.P.
State: FL
ZIP_code: 338XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Unknown company listed on my credit and unknown account and bill I have disputed and nothing received


Date_received: 03/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company: Citizens Financial Group, Inc.
State: NJ
ZIP_code: 080XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am trying to sell my townhouse in XXXX, NJ. The buyer is attempting to get a loan and the lender has postponed the closing date because of an issue they ca n't resolve 2 times and are attempting to postpone the closing scheduled for Friday, XXXX XXXX, 2016 ... AGAIN!! That is the 3rd time!!! I believe it is a computer issue, but I ca n't fathom how it takes weeks to correct it. I am filing this complaint against them.


Date_received: 05/23/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Company: Blitt and Gaines, P.C.
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
Blitt and Gaines filed XXXX lawsuits against me without my knowledge. They did not send me any information of a verification of the debts or any validation notices. I did not know about the lawsuit in first case until I received a settlement letter after I contacted them for a XXXX XXXX account at the direction of XXXX XXXX in attempting to get a loan modification. The second lawsuit was mentioned in a response to a CFPB complaint. These are illegal tactics and on the internet you can see endless complaints occurring from this company. If XXXX XXXX had not directed me then I do n't know what they would have done to me or still might be doing to me since they are deceptive in their tactics. I will be a XXXX in a few years and I understand this can be ongoing for many years to come. I also do not have information of the outcome of either of these lawsuits from either Blitt and Gaines or XXXX XXXX, since no one ever sent me any correspondence in the mail. Furthermore they never sent any information of the actual debt they are suing me on, to prove that they actually have the right to sue, what the fees and charges are, how the breakdown is, etc. I have been trying to get information from XXXX XXXX since approximately XXXX, 2015 and there has been no response to any of the information I have requested in detail except for general repetitive form letters.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Kohn Law Firm S.C.
Issue: WI
Subissue: 532XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Working XXXX part-time jobs as a single parent, I am unable to now provide enough income to support my family. I looked into the history of Kohn Law firm and their illegal practices. They have repeatedly violated the Fair Debt Collection Act. Please help meas I have to borrow money from XXXX just to feed my children.


Subproduct: Residential Credit Solutions
Issue: NC
Subissue: 282XX
Company_public_response: Consent provided
Company: Web
State: 05/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX sold my loan to Residential Credit Solutions ( RCS ) in XXXX. RCS approved my modification they added 10 years to the life of the loan at the same interest ( 5.75 % ) and increased the monthly payment. My monthly payment should have decreased when they added the additional 10 years to the term. When I caught the mistake and asked them about this they said I signed the loan documents agreeing to the terms. My loan is now transferred to XXXX.


Product: same cookies
Subproduct: same device ''. I repeatedly
Issue: vigorously stated that I had not authorized the transaction
Complaint_ID: Yes
Date_received:
On XXXX XXXX, 2016, I immediately re-contacted the BOA and vehemently disputed the BOA conclusion, which was " that the transaction was authorized since it had used the same IP address

Subissue:
 nor allowed anyone else to. The computer in question is physically located in my home ; and no one had any physical access to this computer other than myself on the dates on which the FRAUDULENT Bill Payer transactions occurred on XXXX XXXX and XXXX. Furthermore


Date_received: In addition to the {$30000.00} FRAUDULENT Bill Payer Check that BOA mailed out
Issue: nor responded to certified mail
Subissue: delivered on XXXX XXXX
Complaint_ID: Yes
Product:
 there were at least XXXX or XXXX other unusually large attempts according to BOA for fraudulent theft of funds totaling another $ XXXX- XXXX by XXXX XXXX and XXXX XXXX via Bill Payer on ay XXXX

Subproduct:
 2016. I am unsure of the total amounts since BOA has failed to contact me in a full and timely manner. They have failed to return my phone calls


Date_received: 06/14/2016
Product: Credit card
Issue: Customer service / Customer relations
Complaint_ID: Yes
Consumer_narrative:
I am writing this email as I have no other recourse. American Express does n't have a complaint department ( at least that 's what I was told on the telephone ) and their website does n't include an email address. Over the past two days I 've been so frustrated with American Express customer service representatives. It is clear that their customer service department is outsourced. That is not an indictment upon the nationality of the representative, rather an indication of representatives who do n't care about American Express customers. Upon being provided a pin number to obtain a cash advance, as I was in an emergency, I found that my card did not work. I tried more than XXXX ATMs and spoke to more than eight representatives with American Express. The answer I got from each representative was, " I 'm sorry but I ca n't help you. '' Since when did I 'm sorry I ca n't help you become a satisfactory answer for a customer service representative to provide a long-time customer who is in an emergency? On two occasions the representatives took steps to try and provide further assistance


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: TX
Subissue: 785XX
Company_public_response: Consent provided
Company: Web
State: 04/15/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : XX/XX/XXXX Type : Mortgage Terms : NA Monthly Payment : {$0.00} Responsibility : Joint with XXXX XXXX Credit Limit/Original Amount : {$230000.00} High Balance : NA Recent Balance : NA Recent Payment : NA Payment History : XX/XX/XXXX CLS Your Statement : Completed investigation of FCRA dispute - consumer disagrees.


Date_received: 04/20/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Healthcare Collections-I, LLC
State: AZ
ZIP_code: 853XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The following debts have been paid and nothing is owed to Heathcare Collections d/b/a XXXX Acct # XXXX - {$180.00} paid in full - see attached documents Acct # XXXX - {$180.00} paid in full - see attached Acct # XXXX - {$140.00} paid in full - see attached All of these accounts have been paid off through my bank account ACH


Date_received: 05/17/2016
Product: Credit card
Issue: Rewards
Company: Discover
State: OR
ZIP_code: 970XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I applied for a Discover it* card on XXXX XXXX when there was a {$50.00} XXXX XXXX XXXX offered for approved customers. When I applied I clicked directly on the link that was presented to me on the XXXX website. Bear this in mind, as it comes into play further on in my story. I waited and waited to receive this reward. Finally, I contacted Discover card customer service. I am told that I selected a 0 % card, and not the gift card option. As I explained in a string of email correspondence to several Discover card representatives, I would NEVER chose that option, as I pay my bill in full every month, so a 0 % card is not of benefit to me. I was told that was MY mistake, they can do nothing to correct the issue or make good on their offer. Basically, they do not care about honesty in promotions, or in living up to their offers. I feel this is a classic bait and switch scenario, as I was only presented with the XXXX offer, not multiple offers to chose from.


Date_received: 05/23/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company: Seterus, Inc.
State: AR
ZIP_code: 720XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I Have tried on multiple occasions for Seterus to get there records straight as I was transferred to Seterus on XXXX XXXX XXXX it has been XXXX months and the issue is still NOT Corrected my house payment is not what they have listed as I was granted a Loan modification 3 yrs ago with my previous mortgage company everytime I call they have done nothing with the 3 times I have faxed all the documentation from the court granted my approval and stating I owe no Discrepanies, as when I filed bankruptcy 5 yrs ago all of the back pay was repaid in our Bankruptcy plan as of today I should owe nothing except my monthly payment. now they are trying to stick PMI Which was cancelled from my previous loan they need to get there stuff together as I have provided all proof on my end and I will fight it till the end they are running my credit NOT Theirs


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: GA
Subissue: 303XX
Company_public_response: Consent provided
Company: Web
State: 04/09/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I contacted the office of the president for EXPERIAN and they should not allow to speak with anyone concerning my credit complaints. I furnished EXPERIAN with a fraud packet and supporting documentation on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I need help in resolving this issue asap.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: ERC
Issue: TN
Subissue: 370XX
Company_public_response: Consent provided
Company: Web
State: 05/19/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Enhanced Recovery Company has never sent me any notification of the debt for me to verify or dispute. I learned the collection through a credit monitoring service. I googled their contact information and called them on XXXX XXXX, XXXX. They claimed to have mailed a collection letter to an address that I have not lived at since XXXX. Enhanced Recovery Company also claims to have called me on several occasions but said Enhanced Recovery Company never left a message.


Subproduct: TD Bank US Holding Company
Issue: MA
Subissue: 020XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I am hurting financially, close to being evicted. I 'm paying almost {$600.00} a month, for XXXX loan of XXXX, since XX/XX/XXXX, and another for {$300.00} since XX/XX/XXXX. They never go down. The payday lenders will not stop withdrawals, the bank continues to allow withdrawal after I asked then to stop.


Subproduct: Discover
Issue: MO
Subissue: 631XX
Company_public_response: Consent provided
Company: Web
State: 05/18/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Unfortunately, I forgot to cancel a recurring payment at my online bank, so a payment of {$200.00} was made, then the next day I got an email from Discover about an increase to my credit line. I just logged into their website to see that I have a balance of $ XXXX ... they deducted {$40.00} from my payment for interest charges - on an account that I had requested be closed, after paying it down to a {$0.00} balance. The rep who told me the account was closed on XX/XX/XXXX made absolutely no mention that further charges would be applied to the account. I opened a chat with another Discover rep to request that, since my account was supposed to have previously been closed, my {$200.00} be refunded to me and the account closed. She did close the account, but is only refunding the {$150.00}. I feel that the entire {$200.00} should be refunded, as the account closure mistake was theirs, not mine. I have an email dated XX/XX/XXXX from a Discover rep confirming that she had closed my account.


Date_received: 05/06/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company: Big Picture Loans, LLC
State: MD
ZIP_code: 208XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for a loan from Big Picture Loans and I was approved for {$1000.00} and I was told that I would have a finance fee of {$250.00} which would mean I would pay back {$1200.00}. I just started paying the loan and when I saw the amount of payments and how much I would be charged I was appalled! I am being charged 582.0813 % in interest which would make my final pay off {$7300.00}. I started making payments XXXX XXXX, XXXX and this loan has me making payments until XXXX XXXX. I am willing to pay back the loan and the finance charge but I really do n't want to end making payments of {$7000.00} for a {$1000.00} loan.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Collection Information Bureau, Inc.
State: FL
ZIP_code: 334XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Doctors Business Bureau to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 05/24/2016
Product: Credit card
Issue: Credit determination
Company_public_response: my XXXX report was frozen and not able to be accessed. However
Company: my XXXX and XXXX reports were not
State: and now have a total of XXXX hard inquires from Capital One! This is ridiculous
Submitted_via: not XXXX. As a result
Timely_response: Capital One
Consumer_disputed: OR
Complaint_ID: 974XX
Consumer_narrative:
In the course of getting approved for a credit card from Capital One, I reviewed my credit reports and discovered they had conducted a " hard inquiry '' on several of my credit reports multiple times without my express authorization. Fortunately

ZIP_code:
 and unnecessarily damages my otherwise excellent credit. I authorized only XXXX inquiry when I applied initially

Date_sent_to_company:
 while applying for another card I was denied. On the adverse action letter it stated the reason for denials was "" too many recent inquiries '' ... unsurprising I suppose considering the damage Capital One recklessly incurred to my credit reports. This denial of my applications has had a tangible and negative effect on me ; I was counting on getting approved. I am hopeful the CFPB can assist me in getting this situation remedied ASAP."


Date_received: 02/11/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Straley & Otto, P.A.
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
My name is XXXX XXXX, and I have recent close on a property XXXX XXXX XXXX XXXX. A few month after moving into the property, I recieved a debt collecting letter from XXXX XXXX from Straley and Otto ( legal assistance ) that I owed past due amount XXXX $ XXXX XXXX $ for XXXX 2015 and XXXX $ attorney fee ). I contact XXXX XXXX and provided proofs that I have made all payment on time. Soon after acknowledging that I have made all payment, she continue to ask if I paid the continuing month ( XX/XX/XXXX because it is due, and it not related to the debt, and yes I have been paying on time. She then ask you have to paid attorney fee because she sent me the letter XXXX XXXX Which got me by surprise, I think I 'm being harass and bullying through these type of behavior, though their vision is to help and support the need of compliance citizen. I have emails exchange between me and XXXX and comp if needed


Date_received: 04/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: AZ
ZIP_code: 852XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had my mortgage payment to XXXX Mortgage set up on auto pay from my bank to insure that my payments were always on time. XXXX mortgage apparently made a {$180.00} increase to for escrow fees I was not aware of this spring and sent my XXXX and XXXX payments back. I did not XXXX this until I checked my bank statement in XXXX since I am a busy XXXX this time of year, which means the XXXX payment was reported as more than 30 days late. I immediately caught up the payments with the {$180.00} adjustment and transitioned for XXXX Mortgage to auto withdraw to avoid this from happening again. I paid my mortgage on time, it was just sent back by XXXX and they then reported the rejected payments as late to the credit reporting agencies. I never received a phone call or email about the rejected payments and they have that information, which would have allowed me to correct the error more timely. My credit has now been destroyed for 7 years for a {$180.00} escrow fee adjustment and my bank XXXX XXXX has now closed both of my business credit accounts, which will further destroy my credit. I tried to appeal to XXXX in a letter explaining the situation and my good history of payments and just got a canned cold response that they are obligated to report accurate information to the credit bureaus. The letter said to call the contact with questions and the person does not answer the phone or return voicemail messages.


Date_received: 05/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: then somehow it was turned back on last month
Complaint_ID: Yes
Consumer_narrative:
My name is XXXX XXXX. My loan was recently transferred by XXXX to ShellPoint. ShellPoint for some reason put the loan in the " Bankruptcy '' category. And because of that all my previous payments went "" somewhere '' and did not reflect on my current account activities. As the result

Company_public_response:
 my account today showed "" 3 payments past due. '' I also received a letter "" Intent to Accelerate. '' They locked me out of my account


Date_received: ShellPoint customer service is not helping me
Complaint_ID: Yes
Product:
 they do n't disclose information as of why or how or how to deal w/ the matter. They would tell me they ca n't and only BK department can


Product: i.e. we do n't have a clue what this is for."
Issue: Seterus, Inc.
Subissue: IN
Consumer_narrative: 471XX
Company: Consent provided
State: Web
ZIP_code: 05/23/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
Also note on the Seterus XXXX 2016 statement there are extra charges of {$130.00} with a suspense account " offset '' of {$41.00} ( which comes close to giving us the difference in payment amounts ) but certainly is n't explained


Subproduct: The Huntington National Bank
Issue: MI
Subissue: 481XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
In an effort to conceal his part in the fraudulent scheme that he and XXXX XXXX committed during this whole ordeal, XXXX XXXX withdrew as attorney for XXXX XXXX, but then filed a motion as an intervening Plaintiff, for no other reason than to monitor the progression of this case and try to influence the outcome to the benefit of XXXX XXXX and himself. As former defense counsel to XXXX XXXX, XXXX 's intervention as Plaintiff is clearly a conflict because what interests is he trying to protect? XXXX XXXX even went so far as to write an email to case evaluation tribunal advocating on behalf of XXXX XXXX and calling me a liar.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: Portfolio Recovery Associates, Inc.
State: FL
ZIP_code: 321XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Originally contacted on XXXX/XXXX/16 from a man claiming to be XXXX XXXX from PRA Recovery. He said I owe a debt to XXXX XXXX XXXX in the amout of {$2100.00}. He said if I do not pay this debt with in 10 days he will have no choice but to take legal action against me. He said that he will attach my bank accounts and my pay. He also stated that I would have to pay all legal fees. This company has to date sent me any kind of written notification except in an email. I asked for them to send me verification in writing that this is in fact my debt. I have not received anything. On XXXX/XXXX/16 I again received a phone call and an email from this company.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: TCF National Bank
Issue: IL
Subissue: 600XX
Company_public_response: Consent provided
Company: Web
State: 06/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I went to bank and found that he had XXXX other loan with my forge signs and without my knowledge, i want to know how bank did this?


Date_received: 05/13/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: KY
ZIP_code: 410XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I keep asking this question & it 's not getting answered. As basic as I can put it, what criteria specifically allowed my Reserve Line to stay open during XX/XX/XXXX-XX/XX/XXXX 's periodic reviews of creditworthiness compared to now? I 've the received the notice from US Bank about this decision to close my Reserve Line, but none of the reasons stated for this closure are true. Again, during XX/XX/XXXX-XX/XX/XXXX my credit score dropped to a XXXX, I had no other available credit, & I was consistently maxed out on my Reserve Line usage, & every payment I owed was over 90 days late or being charged off. In the past year my debt to income ratio has improved, my available credit has increased, & my credit score has increased over XXXX points, & all payments are on time. Suddenly my Reserve Line is deceptively closed when I 'm no longer using it, & with false reasons stated for the closure. US Bank can not clarify why this happened or explain the justification behind this decision in comparison to the decision to leave it open for the previous 5 years when I was an admittedly horrible candidate for credit. I 've read the disclosures but do not explain the inconsistency of this decision..


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Company: Ocwen
State: NC
ZIP_code: 280XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I contacted Ocwen today regarding the conflicting status on the account and was placed on hold for a long period of time. I was later told that because we were working with our relationship manager that I had to call another number. The number provided was the number to the Office of the Ombudsman. This office took our information and placed my wife on hold later coming back and stated that we had to Contact XXXX XXXX because there was nothing they could do even after telling us the day before that there was not active sale, but today stating that there was a sale on Friday XXXX XXXX, 2016. When XXXX XXXX was contacted via email, counsel said that because 1 year ago, we had said that we were not interested in a modification, that modification chances were off and the sale would be held on XXXX XXXX, 2016. An email was sent back stating that we were interested in a modification. The attorney came back and said no to the opportunity for a modification and said that any future communication concerning the matter must be directed to him ( cutting off any contact to our relationship manager, Owen 's Office of the Ombudsman and Customer Care ), just XXXX day after the Relationship manager said that there was no sale pending and that modification assistance was available.


Date_received: 05/09/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX, I opened a Citigold checking account with an offer stating I would receive XXXX XXXX miles ( worth approx. {$500.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria several times, and was told to expect the XXXX miles to be deposited into my account by the beginning of XXXX XXXX. During this time I was charged two monthly service fees of {$30.00} each. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the miles would be deposited at the beginning of XXXX, Citi has changed their mind. They have suddenly decided I do n't qualify unless I can find a mailer from 5 months ago showing the offer. I think it 's unreasonable for Citi to expect me to keep mail for such a period, especially after confirming my offer eligibility. I believe Citi intentionally misled me in a way that encouraged me to pay monthly fees for as long as possible. I searched the internet for others with similar issues and was not surprised to find that the issue appears to be widespread. I believe the evidence points to numerous instances of intentionally deceptive marketing practices by Citi. I am bringing this issue to your attention because my attempts to discuss the issue with Citi have gone nowhere.


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: Rushmore Loan Management Services LLC
State: TX
ZIP_code: 765XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX 2015 I signed a deed in lieu, the bank ( Rush Loan Management ) took possession of the property to satisfy loan XXXX. After many inquires to the mortgage bank they refused to provide a document stating the status of the mortgage loan and they keep reporting the account as " on past due '' affecting my credit and my possibilities to get credit."


Date_received: 04/27/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: MN
ZIP_code: 554XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing another complaint on the following unauthorized and fraudulent accounts that 's listed on my Equifax credit report : XXXX XXXX XXXX, XXXX XXXX XXXX, MN Child Support Enforcement and XXXX XXXX. The following credit inquiries are unauthorized and fraudulent as well : 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. I am a victim of identity theft.


Date_received: 04/26/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Getting a loan
Subissue: Can't qualify for a loan
Company_public_response: and they have not STOPPED sending me notices about how much I owe
ZIP_code: AES/PHEAA
Submitted_via: FL
Date_sent_to_company: 328XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/26/2016
Consumer_narrative:
FEDLOAN servicing is refusing to respond after 3 months of waiting ... and continues to report and refuses to do anything but " SERVICE ME "" when asked to simply provide validation they have responded with silence for 3 months but will not remove the item from report. I asked them to prove who they are

Company:
 and here I thought that the FDCPA and the FCRA say stop all collection until the dispute is finished??? HELP!!!!!!!!!!! I have been forced to place a fraud alert on my report and have contacted FTC ... I have recording of the treatment I suffered at their hands."


Date_received: 05/10/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: Capital One
State: OH
ZIP_code: 455XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am a victim of identity theft and I have advised the company the account was opened by the person that stole my identity. After several attempts of disputing this with the credit bureaus and contacting them directly they still say I am the one that opened the account which is completely false. I have requested copies of all documentation on the account and they have failed to provide this information. I am currently working with a lawyer to resolve this issue as well. I just need to clear my name from this company.


Date_received: 06/20/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ERC
State: TX
ZIP_code: 773XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/20/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
this company keeps calling my home number asking for me. then ask for my personal information which i will not give out. they claim i owe a debt and i do not owe anyone or company anything. then they hang up in the middle of me talking which is very rude but yet continue to call my home when i have asked them to stop.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: UT
ZIP_code: 840XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX has continued to harass me at my place of employment, even after several times of me asking them to stop calling my work They are trying to collect on a XXXX mortgage that was taken care of with Bank of America back in 2010 In conversations with them I have asked them to send me documentation on the debt, they have yet verified the debt, The calls and the lack of corporation is out of control they call my place of employment from several different numbers, I can provide you with a few if needed


Date_received: 05/07/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company: Big Picture Loans, LLC
State: FL
ZIP_code: 323XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for a loan with big picture loans.com, when I spoke with the representative who was a lady, she advised me that I was approved for a XXXX dollar loan and my pay off balance would be XXXX dollars. XXXX dollars would go to my finance charge. I have XXXX options to pay the loan back. The first is to pay the XXXX in full by the first payment date of XXXX/XXXX/2016. The second is to make monthly payments of XXXX a month. No where did she mention the amount of the finance charge would b 793.6667 %. After she finish my paperwork I was advise I can log into my to check my payment status. I was unable to check anything put the payoff balance which said XXXX dollars. Once my first payment was taken out of my account I wanted to check my payment amount for the month of XXXX. That 's when I was able to view my documents and see the ridiculous amount that they are charging me for a XXXX loan. I was very upset because I can not afford to pay back XXXX XXXX dollars on a XXXX loan that I borrowed I can see XXXX dollars that I was told. I 'm a single mother of XXXX with no help from anyone, that 's why I turned to the loan but not to be robbed.


Date_received: 04/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: the balance says N/A when the balance is XXXX
Company: and the account history shows the remarks "" Charge Off as of XXXX XXXX to XXXX XXXX
State: XXXX XXXX to XXXX XXXX XXXX XXXX Bankruptcy Dismissed on XXXX XXXX
ZIP_code: XXXX. '' None of this is correct. This debt was paid off
Submitted_via: there was no dismissed bankruptcy on XXXX XXXX
Date_sent_to_company: XXXX and this debt is not a charge off. I can not get a straight answer from Experian."
Company_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Timely_response: Experian
Consumer_disputed: CA
Complaint_ID: 900XX
Consumer_narrative:
I have disputed an entry several times in my report. Now the entry shows as " account in good standing '' but the details are still wrong. The account still shows many months of "" charge off '' in the payment history


Date_received: 05/19/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Skopos Financial, LLC
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am having problems with the Loan/finance company for my vehicle. The day after I had purchased the vehicle the finance company called me to welcome me to work with them. I mentioned to them that I am a construction tradesman and always out in the field. I gave them my wifes information and gave them permission to speak with her at all times regarding my payments. We ended up behind in payments because they keep telling her that I have to call them to give them permission to talk with her. They have her information on file but refuse to look for it. When I call I can not get anyone to speak XXXX. I can never understand them. than they hang up. Finally I took two hours out of my very busy work day losing money to call them again and get hung up on several times. I finally get ahold of someone, and their story is that they do n't have anything on file and my vehicle will be repossessed. We have made them an offer, and they refused it. I know I have not very good credit however I deserve better service than this. This company is very unprofessional, disrespectful, and plain out ignorant.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: NJ
Subissue: 082XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Now at this time we are into another month. Told best rate now is 3.6 - I verbally agree to 3.6 - paper work arrives XXXX/XXXX/16 same rate of 3.75. This process took so long that my rental property I am trying to sell in short sale, has started foreclosure proceedings. This is now on my credit report & getting another lender is almost impossible. The process from the start was bait and switch. The original quote of 3.5 should have been honored but was NOT & to my knowledge never was going to be honored, this was the hook, then the 2.5 % increase on final paperwork was the end CON.


Date_received: 05/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: MD
ZIP_code: 206XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax continues to report information on my credit file that is not mine. The company also continues to place an address associated with the inaccurate accounts back on my credit file after it has been deleted numerous times. ( See Attachments ) I have filed a number of disputes with the agency to no avail. I have called the US Bankruptcy Courts-XXXX who Equifax alleges furnished the information at ( XXXX ) XXXX. The Courts informed me that they did not furnish the information to Equifax. Equifax refuses to provide me with the name, phone number and/or address of the Company who allegedly verified the inaccurate information. The following address and accounts are not mine and are inaccurately reporting on my consumer credit profile ; 1 ) US BK Court-XXXX # XXXX 2 ) US BK Court-XXXX # XXXX 3 ) US BK Court-XXXX # XXXX 4 ) XXXX XXXX XXXX XXXX XXXX, MD XXXX I have provided all documentation required of me by law and Equifax continues to violate my rights. The FCRA prohibits information furnishers from providing information to a CRA that they know or have reasonable cause to believe is inaccurate. However, the furnisher is not subject to this general prohibition if it clearly and conspicuously specifies an address to which consumers may write to notify the furnisher that certain information is inaccurate. Sections 623 ( a ) ( 1 ) ( A ) and ( a ) ( 1 ) ( C ). Equifax has provided false and misleading information that the Courts have furnished and verified the inaccurate accounts when in fact the Court has not provided the Consumer Reporting Agency with any information. These inaccurate accounts have hindered me from gaining credit and I also have been denied credit do to the frivolous accounts.


Date_received: 06/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have tried for months to get Equifax to remove inaccurate and/or unauthorized hard inquiries off of my credit file. The XXXX inquiries are not mine and I want them removed immediately because they are negatively affecting my credit rating tremendously. I have an Identity theft case with FTC since last year. Please help me!


Date_received: 05/14/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: MI
ZIP_code: 484XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was only 8 days overdue for my payment. I was initialy called at XXXX on Friday, XXXX XXXX, 2016. Woman collector, I informed her I had some unexpected financial issues and I would pay as soon as I could. She ignored my information and she argued with me over harassment laws ; not the subject of the collection. Also on Friday, XXXX XXXX, the Citibank automated service started calling at XXXX ( immediately after human collector call ), XXXX, XXXX, XXXX, all were hang up calls except for XXXX when the automated service left a voicemail message for me to call Citibank immediately. Saturday, XXXX XXXX, 2016, the automated service called and hung up again. That is six ( XXXX ) calls within a XXXX hour period. I know they are all from Citibank as the same phone number and location come up on my caller id.


Date_received: According to the CDIA
Issue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subissue: Experian
Consumer_narrative: CA
Company_public_response: 921XX
State: Consent provided
ZIP_code: Web
Submitted_via: 04/09/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Product:
 they have the option of reporting an Account Type of XXXX-Collection Agency/Attorney or XXXX-Debt Buyer ( which undoubtedly shows as Factoring Company in consumer reports ) XXXX incorrectly choose to report as type XXXX instead of XXXX based on the information in the reporting guidelines. If reporting as a type XXXX changes the value in a credit score more so than reporting a XXXX

Subproduct:
 that would be an incentive for them to mark it that way because that could significantly cause poisoning of reports."


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: I.C. System, Inc.
State: NC
ZIP_code: 272XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A couple months ago the company listed in the attached letter sent me a collection letter. I recognized the alleged debtor but based on my records I had return all the equipment related to that account and no debt was due. Since I had not been notified of the debt before I sent a letter requesting a verification of the debt, and instead I received a collection letter asking me for payment but no validation of the debt. I have requested validation of the debt three times but I get no response. To this day they have not responded to my requests. In addition, the company is not legally authorized to collect debts in North Carolina.


Date_received: 06/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: JPMorgan Chase & Co.
State: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/09/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Hello, I have been with Chase bank for approximately 45 years. Chase bank has charged overdraft fees which the deposits in my account ( ... ... XXXX ) was held/pending. There was a recording that noted deposits may be held 1 business day due to the XXXX Holiday. Upon calling over the weekend, I was told my account will not be charged, this is a recording line. Documentation notes that Chase received {$300.00} ACH deposit on XXXX XXXX, but they noted it on XXXX XXXX, XXXX so I can be charged {$34.00}. It was also done again with {$1400.00} ACH deposit and charged another fee of {$34.00}. Somehow they are finding a way to obtain funds from consumers but credits should be before debits. The ACH department comes in late and leave early.


Date_received: 03/24/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: NCC Business Services, Inc.
State: TN
ZIP_code: 370XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently checked my credit report and discovered that this company has reported that I owe them a debt. To my knowledge this company has never sent me a letter informing me that I owe them anything. I was not afforded my rights under the FDCPA to validation


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Cottonwood Financial Ltd.
State: TX
ZIP_code: 762XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.


Date_received: 05/21/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Capio Partners, LLC
State: FL
ZIP_code: 327XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016 I paid a debt for {$110.00} and {$150.00} to XXXX XXXX XXXX XXXX with my credit card. Per our agreement, the debt was to be removed from my credit reports and they were supposed to send me a receipt of payment. To this date, they have not sent me any notice in the mail to state the account is paid. To make matters worse, now the same identical debt that has been paid is now being collected upon through Capio collection agency. So now I have XXXX debt collectors trying to collect on the SAME debt that was already paid in full! I am going to attach the letter from XXXX XXXX XXXX XXXX that they sent to the XXXX on XXXX XXXX, 2016 stating the debit is satisfied and should be removed. I dont understand why they are refusing to remove it and have sold it to Capio for further collection efforts when it has been paid in full. My next step will be to secure an attorney to seek damages for failure to adhere to the FCRA. I already advised Capio that the debt had been paid and offered to give them all the information to contact XXXX XXXX XXXX XXXX but was told they do not do that. I have provided a copy of my credit card statement showing payment but they will not accept that. I am attaching proof from XXXX that states it is paid as well as the better business reply that it is paid.


Date_received: 04/30/2016
Product: Credit card
Issue: Customer service / Customer relations
Complaint_ID: Yes
Consumer_narrative:
XX/XX/2016, I filed a complaint with FDIC. XX/XX/2016 FDIC sent me an email informing me of the following : " Based on our review of the issues you raise in your correspondence


Date_received: My complaint is very simple : I refinanced my house
Complaint_ID: Yes
Product:
 in the process the Mortgage company agreed to pay off my credit card accounts. I received XXXX checks from the mortgage company


Complaint_ID: Yes
Date_received:
Both of these financial institutions have the same mailing address with the exception of the XXXX. XXXX. I got the checks confused


Complaint_ID: Yes
Date_received:
These calls I made to Barclay started in XXXX through XXXX & Finally in XXXX. The last call I made Barclay in XXXX Barclay told me it would take 90 days for XXXX XXXX to return to return the check to the Mortgage Company. This is the same information they told me in XXXX


Product: I have spoken to several Barclay representatives
Subproduct: Manages
Complaint_ID: Yes
Date_received:
I no longer know what to do or who to reach out to. I have called Barclays so many time I lost count


Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Barclays PLC
Subissue: AZ
Consumer_narrative: 856XX
Company_public_response: Servicemember
Company: Consent provided
State: Web
ZIP_code: 04/30/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
The purpose for paying off my credit card accounts was to improve & repair my FICO & credit scores with the Credit Bureaus however

Product:
 the delay tactics & buracracy Barclay has implemented is impacting my credit score. If there is anything XXXX could do to expedite the return of the {$640.00} would be appreciated."


Date_received: 05/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Round Point Mortgage
State: CA
ZIP_code: 936XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We sold our home and the mortgage was paid off through XXXX XXXX XXXX on XXXX/XXXX/16. Several weeks later I was contacted via phone by Round Point Mortgage saying I owed them an additional {$400.00}, that the pay off had been short. I contacted the title company and they requested something in writing to show the shorted amount so it could be paid. Round point would only tell them to wire the money to the same place as the rest of the pay off but would not submit any proof of the shortage. Both myself and the title company have made multiple attempts to get speak with the mortgage company. Usually being on hold for near an hour at a time. They will not send me my escrow balance. Per the attached documents you can see the the loan was paid in full. My escrow account has a balance of {$1600.00} and a month after the loan was paid they are trying to take money from my escrow balance to pay principal and interest in the month of XXXX when there is no loan to pay on. I am seeking help in getting the full balance of my impound account.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
State: NY
ZIP_code: 105XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A fraud account was opened with XXXX XXXX XXXX XXXX with a balance of XXXX.The fraud account was opened in XXXX, FL in XX/XX/XXXX . A fraud dispute was opened with XXXX XXXX and proper paperwork was provided. The original investigator assigned to case was XXXX, contact number XXXX ext XXXX regarding fraud account XXXX fraud account was resolved in my favor and it was reported to XXXX and Equifax. XXXX has removed the fraud but after several disputes with Equifax , they will not remove it. The first dispute letter was mailed to Equifax on XX/XX/XXXX. Since then it was mailed 2 more times, on XX/XX/XXXX and XX/XX/XXXX. The last attempt was not unsuccessful.


Date_received: 05/31/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: BBVA Compass
State: OK
ZIP_code: 740XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/31/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Over the course of 4 months i have been consistantly misinformed and charged for for the misinformation. I was told i could get a cheaper insurance through the company and when doing so I discoverd it was not approved for my state and they could not send me any verification or even receipt showing that i had paid insurance. when i tried to get it resolved they informed me that i had a lapse in insurance and now my premium has gone up. in addition to this, when I called to pay they could not even give me an amount to pay, fluctuating between {$750.00} up to {$1200.00}, my orginal payment was {$280.00}. when I inquired about this it took XXXX transfers and speaking to the supervisor to finally get the right information. Now I have all these racked up fees and they have offered me no solution or anything for this misinformation.


Date_received: 03/28/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Company: AES/PHEAA
State: FL
ZIP_code: 346XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX, 2009 I was granted a discharge for a Chapter XXXX bankruptcy. I included XXXX non-federal student loans in my Chapter XXXX bankruptcy and was granted a discharge by a federal judge. XXXX and American Education Services has continued to pursue payment from me for over six years. I paid what I could because they always threatened to report to collection agencies. I have been trying to repair my credit and therefore wanted to keep collections off my record. Many times I had to forbear the payment or decrease the amount, but I juggled to keep them from reporting to collection. I recently came across my bankruptcy discharge and would like to file a complaint for the civil contempt of court made by XXXX and American Education Services.


Date_received: 03/29/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Company: AES/PHEAA
State: OH
ZIP_code: 442XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX I applied for a hardship economic deferment on every educational loan I possessed. This deferment was granted for the consolodated subsidized and unsubsidized loans adminstered by AES, but AES denied this deferment for XXXX private signature loans they were administering on my behalf. As I was in XXXX XXXX outside of phone contact and with limited internet connection, I organized electronic communication to follow up with my loan deferment process as I would not be able to have access to standard postal letters. XX/XX/XXXX, I was able to return to the United States and retrieve my postal mail where I discovered a letter never delivered electronically to my account which stated that my deferment request was denied for the XXXX private student loans administered by AES. When I contacted AES to inquire why this notice was not sent to me electronically as I was in XXXX, or inquire as to how I was able to fix this mistake, I was informed that AES had closed that account and sold the debt for those obligations and could not comment on how or why electronic communication was not sent to me, why I was not contacted, or why the deferments were denied. When I asked how XXXX loans administered by AES could be denied a deferment when XXXX other loans administered by AES were granted the same deferement for the same period, I was told they could not comment as they had closed those accounts. In XX/XX/XXXX, I once again applied for a deferment from AES which was denied, while the same deferment was granted for the same period with the same information for loans administered by XXXX. When I contacted AES to inquire how a federal loan could be denied a deferment when the same deferment was applied to other federal educaitonal loans, through the same program, with the same information, I was informed that they could not comment on why and I should just reapply. I believe that AES is purposefully and systematically seeking to deny deferment requests in the hope that individuals will not notice or be able to contact AES services so the loans could be placed into default and claimed under federal insurance programs. I am seeking assistance as I have returned from XXXX and would like to address the issue of the XXXX loans which were denied deferment, subsequently placed into default, and are now an issue on my credit, to which AES has consistently refused all comment or willingness to address. I left with a debt that I am not able to address and a company who is not interested in working with me to create an adequate method for repayment, which is now affecting my credit and backgrond investigations for future employment.


Date_received: 04/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: certified mail receipts
Company: etc.. please let me know and I will forward them immediately. Thank you"
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Experian
Submitted_via: UT
Date_sent_to_company: 841XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/09/2016
Consumer_narrative:
Filed first dispute online with Experian XXXX/XXXX/XXXX. The information was n't corrected so I mailed a 2nd dispute via USPS Certified Mail XXXX/XXXX/XXXX. I received a response but the information is still incorrect, in fact it 's worse than before I filed XXXX disputes. I have tried to call Experian numerous times but I 'm put on hold to wait for the next available representative and can never get through, even after 45 minutes hold time. The information I need corrected is as follows and should be fairly simple and straight forward to correct ( I had to file a dispute with XXXX to correct the same info and they corrected it immediately so I do n't understand why Experian has n't been able to do the same ). I filed Chapter XXXX Bankruptcy in XXXX XXXX and the bankruptcy was discharged in XXXX XXXX. My monthly mortgage payments were made to my XXXX XXXX XXXX XXXX account via the Bankruptcy court, so no negative payments should be showing during that period. My XXXX XXXX XXXX XXXX account should now show open with all payments current post-bankruptcy discharge and the Status should show " going to a positive status in XXXX XXXX '' NOT XXXX XXXX as it is currently showing. I am trying to rebuild my credit and it does n't help when I am denied new credit due to incorrect credit reporting by Experian. I am also looking for new employment and several companies I have inquired with state that they will be requiring background and credit checks so I am potentially being denied employment because of this negative and incorrect reporting by Experian. I have followed all of the steps required to request that Experian correct my report without a satisfactory resolution. Please assist! If you need any further information from me including copies of my original disputes


Date_received: 05/05/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company_public_response: but for XXXX different school years. The XXXX loans have their own cosigners
Complaint_ID: Yes
Consumer_narrative:
I have XXXX loans ( we 'll call them the " XXXX '' and "" XXXX '' loans ) with Sallie Mae currently- they 're under the same account

Company:
 XXXX who have been making monthly payments on their respective loans. We do not use Sallie Mae 's automatic Bill Pay option


Date_received: Over the past several months
Product: whenever a check was sent to Sallie Mae to pay for the XXXX loan
Subproduct: it was always allocated to the XXXX loan
Issue: instead. As a result
Consumer_narrative: and it would take days for the changes to take effect. Often in the meantime
Company_public_response: it meant that a late fee would be charged to the account
Complaint_ID: Yes
Subissue:
 my XXXX cosigner and I were notified that a payment was overdue. I 've called them many times over the past months to reallocate these payments


Date_received: In late XXXX
Complaint_ID: Yes
Product:
 I had come to find out this had happened again when Sallie Mae was asking for the upcoming XXXX payment. I called Sallie Mae to figure out what was going on and reassign payments ( again! ). I had then found out that the XXXX loan has an overflow account- money that was sent to pay for the XXXX loan that has exceeded the scheduled payments due. I then asked that enough money be taken out of the overflow account to pay for any outstanding payments ( XXXX and XXXX payments ) for the XXXX loan


Date_received: Two weeks later
Product: I was still receiving notices of overdue payments. Calling them back ( AGAIN! )
Subissue: and they said they would do it. For the next ten days
Complaint_ID: Yes
Subproduct:
 I 'd found out that the "" work order did n't go through '' - they could n't tell me why. I asked them to start over

Issue:
 once again taking enough money out of the XXXX overflow account to pay for any outstanding payments XXXX XXXX and XXXX payments ) for the XXXX loan


Product: and have been told that
Subproduct: alongside the payment due for XXXX
Complaint_ID: Yes
Date_received:
I have just finished looking at my loan summary on Sallie Mae 's website ( it is now the beginning of XXXX )


Date_received: I do n't understand what 's going on with this loan anymore. Over the past several months
Product: every time I 've called
Subproduct: each representative gave me different answers to the same questions. I 'm pretty sure at one point
Subissue: despite them reading the same notes left on my account ). I am still in school
Consumer_narrative: in a very work-intensive program
Company: or the credit scores of my cosigners! This has gotten beyond ridiculous."
State: Company believes it acted appropriately as authorized by contract or law
ZIP_code: Sallie Mae
Submitted_via: NY
Date_sent_to_company: 148XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/05/2016
Issue:
 a supervisor outright lied to me about the details of my account ( a representative 's description of my account did not match the supervisor 's

Company_public_response:
 and do not have the time nor energy to keep playing this game with Sallie Mae. Goodness knows how this affects my credit score


Date_received: 04/08/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: TX
ZIP_code: 775XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Did not close account! This account is past the 7 year mark and want it removed! Trans union and XXXX Opened Date XX/XX/2009 XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX


Date_received: 05/17/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: American Honda Finance Corporation
State: CA
ZIP_code: 928XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Upon maturity of the loan they wanted me to pay almost an extra {$1000.00} without being able to tell me what it was for. When I refused they charged off. I purchased a XXXX Honda Accord and financed it through Honda financial account XXXX. During the course of the loan I did a couple of extensions. This changed my maturity date from XXXX to XXXX XXXX. I was half a month behind on payments due to a divorce and custody battle but always paid it before the 30 days and let them know ahead of time. The loan since always paid before 30 days never went past due o my credit. I would each month make the payment and the late fee so each bill read like a double payment. To illustrate the last XXXX bills were as followed : XXXX {$920.00} ( double my payment with the late charge ), XXXX : {$920.00}, but my last bill in XXXX came for : {$1800.00}. I was expecting another {$920.00} which I would pay half off in XXXX and the other half in XXXX and the loan balance would come to zero. However, when I saw the {$1800.00} bill I immediately called. I spoke to several different employees of the company, mailed XXXX different letters and still to this date they have been unable to explain what the additional fees owed are. I even demanded they explain this debt as per my consumer rights under FDCPA. They told me if I did n't pay it, the account would be charged off, and that I plainly owed it. They declined to explain here the fees came from, they declined to provide me proof of them, and they stopped responding to all my letters. Furthermore, they never notified me in writing that my account would be charged off as required by law and they sent it to " charge off '' less than 60 days past the maturity date."


Date_received: 04/08/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NC
ZIP_code: 278XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Experian is reporting the same negative mortgage account TWICE on my credit report. I originally had a mortgage with XXXX XXXX XXXX that I got behind on with my payments. I could not catch the payments up and the house went into foreclosure status. XXXX XXXX XXXX turned this account over to XXXX XXXX XXXX and then XXXX started to report the negative pay history on my credit report. So basically, it appears that I have XXXX negative mortgage accounts, with twice as many late payments showing. I eventually lost the house to foreclosure, and this is also reflected on my credit report. It appears I have XXXX foreclosures on my credit report, even though it is the same house, and not XXXX different houses. It is very obvious this is the same account listed twice, if anyone would take the time to look at the original date opened, original loan amount, etc., but no one at Experian seems to want to listen to me. The worst part is that XXXX mortgage companies are listing XXXX days late payment history, so I end up being penalized for TWICE the amount of late payments. I 've been trying for over a year to get Experian to correct this issue, but each time I file a dispute, I get a letter back stating this has been verified.


Date_received: 05/04/2016
Product: Credit card
Issue: Other
Company: PayPal Holdings, Inc.
State: MN
ZIP_code: 554XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i paid a merchant the sum of XXXX dollars on XX/XX/2015.after receiving no services i called pay pal to help me resolve this problem.to my surprise i was told they could not help me, because of the time frame.they gave me a ticket number XXXX but told me in less than 48 hours i was out of luck.what could pay pal possibly have done to investigate my problem for services not rendered.i was totally misled on looking into it by pay pal.why do i have to pay for something i never received.i feel as though pay pal did nothing.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Synchrony Financial
Issue: FL
Subissue: 331XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 07/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Please reinvestigate this ( these ) matter ( s ) and ( delete ) the disputed item ( s ) as soon as possible.


Date_received: 05/17/2016
Product: Credit card
Issue: Closing/Cancelling account
ZIP_code: Capital One
Submitted_via: NJ
Date_sent_to_company: 080XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/17/2016
Consumer_narrative:
I opened my Capital one card after being sent a letter telling me that I was preapproved based on my credit score. The card is supposed to help build your credit and I was told that after making on time payments for XXXX consecutive months, my credit line would be raised $ XXXX {$300.00}. After the 5 months, I received a letter stating that because I had demonstrated such responsible use of the card, they were raising my limit {$500.00}. I continued to use the card and make all my payments on time. On XXXX/XXXX/16 I log onto make a payment and see that my account is being restricted. I call customer service and was transferred to " the executive office '' where a rather rude and XXXX tells me that my account has been closed and I was mailed a letter. I asked her why and she said this was due to pending or past legal action against me. I asked her for the date of the alleged legal action and she tells me she does not know

Company_public_response:
 but that I can call my XXXX office or the state. I requested to speak with a supervisor after she transferred me back to the main customer service line and was told that the department was closed and I could not leave information for a callback. For the next several days I contacted my XXXX and also the XXXX Court ( State and Federal ) in my state to inquire about the legal action Capital one is saying was the reason for my account being closed

Company:
 no one has any record of legal action against me. I even paid for a background check on myself and again nothing! I requested to not be charged a late fee due to the lack of information and being told I would need to address the issue with outside agencies. This morning I receive an email from them saying that I am now being assessed late fees and penalties from them as well."


Date_received: 05/21/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Stellar Recovery Inc.
State: FL
ZIP_code: 333XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Stellar Recovery still has me in collections, and this debt has been paid to the original debtor, for months. And I disputed the account and it has not been removed from my credit report. I have submitted a second dispute.


Date_received: 05/14/2016
Product: Debt collection
Subproduct: Medical
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Commonwealth Financial Systems, Inc.
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
All my derogatory marks were off my credit report one day i answered the phone it was a debt collector has to be over 2 1/2 years ago. It probably was an XXXX visit. well all of sudden it 's back on my credit report XXXX derogatory marks and they say the date was XXXX 2016. I do n't have any new debts in over 2 1/2 years. what should I do about this?


Date_received: 03/24/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: CA
ZIP_code: 954XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My XXXX and XXXX mortgage is with Wells Fargo I struggle each month to make my payments to them. I am using almost XXXX % of my income to accomplish this. I have been requesting mortgage assistance going on 3 three years from Wells Fargo. Wells Fargo is encouraging me to be late on my mortgage in order to give me assistance, however, the definition of imminent default I believe I meet ; My income is XXXX a month ; my total payment is {$3400.00} I have a little over {$2000.00} in the bank, the threshold is {$25000.00}. I do not trust Wells Fargo they have shown zero interest in my struggle to keep my home.


Date_received: 01/12/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company: Siwell Inc
State: MI
ZIP_code: 483XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 01/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I have been trying to get a payoff from Capital Mortgage Services of Texas for a closing that is supposed to happen in a little over an hour from now. I first faxed the request along with the borrowers authorization on XXXX/XXXX/16. I called twice last week to confirm if they received my payoff request, ( even though I got a faxed confirmation that they did ) and get an XXXX on the payoff, but I could n't get a human on the phone and had to leave voicemails. The borrower called them on Friday, XXXX/XXXX/16 and she was told that they were sending the payoff out to me that day. When I got to the office on Monday, I still had n't received it so I called again. They stated that it would be emailed to me yesterday ( Monday ). At XXXX yesterday when I still had n't received it, I called again and they stated that I would get it some time today, if not first thing in the morning. This morning I still did n't have anything so I called again. Capital Mortgage Servicing stated that it was still in the final stages of being processed and that she would " try to rush it through '' and if I did n't have it by XXXX to call or email back again. It 's now XXXX and I 've emailed them twice more with no response. The closing is in less than an hour and I 've informed Capital Mortgage Services if the closing was delayed because they are not providing the requested information I would report them to the CFPB."


Date_received: 05/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: IL
ZIP_code: 616XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Experian fails to remove the XXXX XXXX account. Experian reports incorrectly the current Date of Status. Experian reports incorrectly the date of first delinquency for removal. Experian reports incorrectly that this account is negative. Experian reports incorrectly that this account is scheduled to continue on my report until XXXX 2020 even though I received a XXXX Cancellation of Debt from XXXX XXXX. Experian continues to report inaccurate information on my credit file which lowers my credit score. This causes me the inability to obtain credit and lowers my standards of living and causes me to languish and suffer.


Subproduct: no discount
Issue: just wanted a physician loan. Just frustrating that after 2 weeks of investigation
Subissue: this is all XXXX had expressed to her ; basically
Complaint_ID: Yes
Date_received:
XXXX XXXX My husband and I, both XXXX at the time, moved to Colorado and purchased our first home. Being first time home buyers we were not aware that we had options regarding our mortgage broker. Our realtor basically told us, this is who you have to use, submit your information to XXXX XXXX for pre-approval so I can show you houses. When our offer was accepted on our new home, we told the mortgage broker that we were interested in a physician home loan. We actually brought this up on 3 different occasions with him, once by phone between him and I, once with my realtor, and once with my father who we were possibly going to use as a co-signer. XXXX said on all 3 occasions that XXXX were not available in the state of Colorado, as they were illegal in some way under Colorado rules. He stated this so confidently that we took his word for it as we did not feel we would know this states market better than he did and went forward with the loan he did have to offer us. We have since learned that physician loans were offered by at least XXXX companies at that time. So as soon as we realized this, we re-contacted XXXX to discuss and see if he could assist us in getting into the XXXX as we originally requested. He again argued that they were not available to us at that time. We asked that he simply pay the PMI that we had lost over the past 6 months and/or closing costs to get us into the right loan. He refused any sort of compromise or discussion. I reached out to his supervisor who directed me to corporate. We had a discussion with corporate after 2 weeks of " investigation '' with XXXX XXXX. The lawyers first comment to me was

Product:
 "" I understand you are upset because you were n't offered some sort of physician discount. '' Nope


Subproduct: either he was uneducated on what is available in the market for physicians ( if so
Issue: he had a duty to tell us he was unaware of such a loan and we could have done research on our own
Consumer_narrative: Company believes complaint represents an opportunity for improvement to better serve consumers
Company_public_response: Citywide Home Loans, a Utah Corporation
Company: CO
State: 801XX
ZIP_code: Servicemember
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 03/03/2016
Timely_response: Closed with monetary relief
Consumer_disputed: Yes
Complaint_ID: No
Date_received:
I feel as a mortgage broker he had a fiduciary duty to provide us with the best loan in our economic interest. In our case

Product:
 this would have been the physician loan. We have also been advised that we also qualified for FHA loans which also were not offered to us and could have been another more beneficial option for us. Now

Subissue:
 rather than stating they are "" illegal '' or not available in our state ) ; OR he was aware of these loans but could n't write for it himself and thus make a commission/income placing his own economic interest ahead of ours."


Date_received: 05/08/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: Navient Solutions, Inc.
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have refinanced my Navient private student loan. The loan was paid/refinanced at the beginning of XXXX 2016. There was an overpayment in the amount of {$1600.00} which is to be refunded to XXXX, the company through which the loan was refinanced. Navient has been contacted numerous times by XXXX and myself requesting they return the overpaid funds. They still have not returned to funds to which they are NOT entitled to. This money must be refunded to XXXX in order for them to make corrections to the balance on the refinanced loan. There is a limited amount of time for this money to be returned and processed as a refund which in turn will decreased the amount refinanced along with the payment. Navient has no claim to the overpaid amount and should return it immediately to XXXX.


Date_received: 06/06/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: WI
ZIP_code: 530XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Due to financial constraints, and holding on to my property post the height of the economy ; I opted to try to sell my home to get out from under it. I purchased my home in 2006, the value of the home is barely what I purchased it for. I purchased it for {$270000.00}, appraisal is for {$280000.00} with all the upgrades in the last 10 years. I had a buyer with an offer of {$270000.00}. The offer was accepted by the first mortgage and denied by the second mortgage, therefore forcing me into forclosure and ultimately bankruptcy. The load was a fannie mae dictating how much money would go to the second mortgage. The system is broken. I thought things were better to support this type of situation. How can a bank deny the sale. How can a bank deny the sale based on " principle '' as they said to me. They would rather have nothing than the amount offered to them."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: GA
Subissue: 301XX
Company_public_response: Consent provided
Company: Web
State: 04/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I dispute these items on my credit report by the reporting agencies and request they be removed because i have reported an identity theft case.


Subproduct: JPMorgan Chase & Co.
Issue: NV
Subissue: 890XX
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Please notify the borrowers the amount of the settlement or legal actions to Chase and its mortgage subsidiaries will be continue. This notice will be submitted to Consumer Financial Protection Bureau and other governmental agencies.


Complaint_ID: Yes
Date_received:
XXXX XXXX This is double jeopardy - If a collection agency sells, transfers or longer manages the account it must be deleted and you are reporting this as " unknown '' as well


Date_received: XXXX XXXX XXXX XXXX This is double jeopardy - If a collection agency sells
Complaint_ID: Yes
Product:
 transfers or longer manages the account it must be deleted and you are reporting this as "" unknown '' as well


Product: addresses
Complaint_ID: Yes
Date_received:
XXXX XXXX # XXXX balance owed and account type is not accurate - verify or remove immediately UNKNOWN MEDICAL- these accounts are being sold from collection agency to collection agency each time it is deleted due to inability to verify and yet I have received no such documentation that validates any of these items on my credit file. It 's illegal for a collection agency to sell a debt that does not belong to me after it is removed. # 1 - identify these creditors


Date_received: 04/16/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 926XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/16/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Bloomingdale calls several times each day about a store account. I told them on numerous ocassions that I do not have an account with Bloomingdales and that that my mobile number is a new number and they must be looking for the previous owner of this number. They are relentless and continue to call me.


Date_received: 04/26/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Taking out the loan or lease
Company: OneMain Financial Holdings, LLC
State: GA
ZIP_code: 300XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently applied on-line with SpringLeaf Financial for a personal consolidation loan and was approved on-line and was told that I to call to speak with a loan officer to process the loan. I called and provided detailed information to the specialist which included the fact that we had XXXX vehicles which were owned and had a loan out on them as well which we desired to consolidate in this new loan. Whereby, the bank would receive the XXXX titles as collateral. I was then informed I only needed to send in my last XXXX pay stubs to complete processing the loan. With this proof on income the loan should have been seemlessly processed. However, on this morning I was told they would not process the loan since the collateral has money owed to XXXX which they were made well aware of on yesterday before requesting me to send in my last XXXX paystubs. This is Credit Discrimination in and of itself. I had a longstanding small loan with them from last year which has been paid back consistently and never late. I repeatedly received solicitations about renewing or applying for an increase, prior to me applying on line yesterday. The practices of this firm is blatant discrimination towards XXXX minorities specifically. They should be ran out of business and not be allowed to practice anywhere in the United States of America.


Date_received: 05/12/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: TX
ZIP_code: 787XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I paid off my auto loan in full n XX/XX/2016 with US Bank. I call in to their Auto loan department and when it asks me for my last XXXX digits of my social security number, it finds a mortgage account and takes me to their department. They have tried to transfer me to their auto loan division but I am asked for my social and get transferred back to their mortgage department. I am now two months into having paid my car loan in full and they have in all likelihood sent the title to my old address. There is no US Bank location within XXXX miles of my location ( per their website ) and I cam unable to contact them via phone. Meanwhile, somebody else has the title to my car and can now legally sell it without my knowledge. My address was current in their system since my new condo is financed through them. I would caution anybody from having more than one type of loan with US Bank.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: DriveTime
Issue: CA
Subissue: 922XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I do not have an account through DriveTimeXXXX, nor am I currently applying for an account. They claim this information was provided through a third-party company to them.


Date_received: 02/24/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Company: D. SCOTT CARRUTHERS
State: CA
ZIP_code: 958XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 02/29/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
I informed the agency to cease contact on XXXX XXXX, 2015. They have begun contacting every number they can cull from the Internet, which includes my work numbers. I am mailing another letter, along with this complaint number to ask them to cease contacting my employer again. They contact random numbers within my employer, please see attached email. I have informed them verbally to take the legal action that they need to take, they have continued to call. They yell, speak over me, and try to harass with a terse and harsh tone. They are acting like a dog which is all bark and no bite. I 've asked repeatedly for them to take their legal action and let the courts decide, but they just keep calling.


Date_received: 05/05/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: I can not get my credit score to what it was prior to the identity theft."
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Citibank
Submitted_via: CA
Date_sent_to_company: 900XX
Company_response: Older American
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/09/2016
Consumer_narrative:
I experienced identity theft and notified XXXX XXXX, Macy 's, XXXX, Citi and XXXX. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX, Macy 's and Citi claimed I owed an amount that was also part of the identity theft. I provided them with two police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And XXXX was paid in full and apparently that payment went to a different payment address and it took XXXX three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress

Company_public_response:
 XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: NC
ZIP_code: 284XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was out of work sick with XXXX, much better and been back to work I asked fofor a re a repayment and was told that I need a lawyer for 4 month I would n't have gotis far


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: TX
ZIP_code: 751XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Home was damaged by hail, insurance adjuster paid for new roof as well as damage to other structures and items on my property that was also damaged. Mortgage company will not send me the money back for damages to my personal property, its not collateral, mortgage is for the Home only, not any other property, Mortgage company has no right to hold money for something that is not collateral. its not up to them if I replace a gazebo or not.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: I would
ZIP_code: someone help."
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: Servis One, Inc.
Company_response: SC
Timely_response: 297XX
Complaint_ID: Consent provided
Consumer_narrative:
XXXX sold my mortgage to BSI Financial. They took a year to set up ACH payments. They try pulling the payments early causing NSF fees. Then they wo n't accept payments. I 'm going to end up losing my home, that I had built on land that was my late grandfathers and then my late dad 's. My research has shown me horrible things about what this company does and their Investors, XXXX XXXX XXXX. It seems they foreclose on people, a " friend '' company buys the home at auction and BSI ends up owning the property before it 's all said and done. XXXX. Too many people are losing their homes to this crooked company. As for my situation

Company_public_response:
 I 'm now a single mother trying to keep my home and land ( which is family land and means the world to me and my son ). If I was able to refinance

State:
 but that 's not an option for me. This company needs to be stopped! What can be done to stop this monster? I know there are enough people being ruined by this company that it 's known what they are doing. Please


Date_received: 05/03/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: NC
ZIP_code: 273XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have refinanced my home mortgage with Bank of America in XXXX XXXX. The total loan amount was {$220000.00}. Since we did not meet the minimum 20 % requirement, there was a PMI added to the mortage. I made extra payments in order to reduce my principal balance to meet the requirements to terminate the PMI sooner. As of XXXX of XXXX my principal balance was {$170000.00} which is less than 78 % of the original value. As of XXXX XXXX my principal balance is {$160000.00}. I have contacted Bank of America to inquire as to why the PMI was not automatically terminated. In response Bank of America has denied to terminate my PMI and is asking me get a appraisal done again regardless of what my current balance is as compared to the original value at the time of refinance.


Date_received: 05/17/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Encore Capital Group
State: NJ
ZIP_code: 083XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Midland Credit Management keeps sending me a bill, even after I requested a validation from them. They have n't validated the debt, just sent me a computer printout from their own records, not from the original creditor.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Barclays PLC
Issue: DC
Subissue: 200XX
Company_public_response: Consent provided
Company: Web
State: 05/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Fighting this unfair charge has become a great burden of time and mental stress. I would ask that Barclays clarify that my account is completely closed, that I have no balance, and that they will refund to me the disputed amounts from XXXX XXXX and XXXX XXXX.


Date_received: 05/23/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: OH
ZIP_code: 441XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Barclaycard refused to address my XXXX XXXX hotel dispute. They rebilled me for a XXXX XXXX charge in error. They failed to respond to my letter disputing the rebill based on events that occurred after the rebill. They also billed me an additional XXXX more than my balance for no reason at all.


Date_received: 04/26/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NH
ZIP_code: 037XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/XX/XX/XXXX & XX/XX/XXXX XXXX ( XXXX XXXX XXXX made an inquiry of my credit file with Transunion without my concent


Date_received: 04/04/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company_public_response: Company believes complaint relates to a discontinued policy or procedure
Company: IMC Capital, LLC
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Unsolicited XXXX credit card sent by IMCA Capital. They appear to be trolling for new accounts. This card I do not need and did not request.


Date_received: 05/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was working with a mortgage lender to apply for a home loan. When my credit was pulled it showed another social security number that does not belong to me. I have asked the credit bureaus to remove the SSN from my credit report but they keep asking for the same documentation. I am unable to provide a social security number I have provided them my Individual Taxpayer Identification Number along with my tax returns, utility bills and my translated birth certificate. I would greatly appreciate your assistance to help me resolve this issue. Thank you


Subproduct: TRINITY HOPE ASSOCIATES
Issue: NY
Subissue: 140XX
Company_public_response: Consent provided
Company: Web
State: 06/24/2015
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I contact the collection agency to determine what this debt was for and told it was for XXXX XXXX XXXX XXXX, a doctors office I had prior services from. I contacted XXXX XXXX XXXX ( XXXX XXXX ) and was told that they billed through XXXX XXXX Hospital and did n't have a record of this debt. I then contacted XXXX Billing Office ( XXXX ) who I have a monthly payment for over {$1500.00} of medical bills and I was told that although I did have open accounts with XXXX XXXX XXXX XXXX, none were for the {$28.00} being reported and that they had n't reported any of these debts as they were in good standing. I again contact the collection agency and asked for validation of debt. They never sent me anything. Definitely not a valid debt. Will also be contacting NY State Attorney General about this.


Date_received: 05/11/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: TX
ZIP_code: 759XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2014, i ordered the instaltion services at Lowe 's XXXX XXXX, located at XXXX XXXX, XXXX Tx XXXX. This is there phone number XXXX. I used the Lowe 's XXXX credit card. I trying to set up the automatic payment with them at The lowes center and i tried too call them many times.I let them know that i went out of the country and i trying to set up automatic payment. Because i cant go online and pay every time. The customer service agent from lowes was not helping me at all. I can ' t set up automatic payment with them on the phone and instore. I MISSED THE PAYMENT because of that. I am really frustrated because of that. they sent me to collection without trying to help me set up the payment. it is not my fault. i tried to call them, went online, instore. Nothing solve.


Date_received: 05/12/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: Trustmark Corporation
State: FL
ZIP_code: 324XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
I have a joint checking account with my husband at Trustmark Bank in XXXX. We have used this bank for many years and have never defaulted on the account in any way. After my debit card was denied on XXXX, I discovered that a large sum of money had been taken out of my account. After reporting this to the bank, it was discovered that a cash withdraw was made at a XXXX, XXXX branch. We have never used any XXXX bank, we never make large cash withdraws from checking. There were multiple red flags, yet the teller gave the individual our account number, our account available balance, and finally- all of our money was handed over to this toothless smiling thief. There is video of the person making the withdraw. I was told that the thief has a replica of my husband 's ID, with a different picture. I have trouble understanding this because my husband 's signature, height, birthdate, and race are all on his ID. This thief, whom was physically handed all of my money by my trusted bank, looks nothing like my husband. He is a different race, clearly the thief is older and taller. The signatures do not match. While I do feel that it is taking too long for my bank to refund my money and I want them to give me a better time line, I am satisfied that I will be reimbursed at some point. I can not believe that my bank let this happen, I have no trust in the security of the bank, their policies, or that this will not easily happen again. I want others to be aware of this situation. I want this to be investigated and for it to be explained how this is even possible. I question the intentions of the bank, and their employees. Clearly something huge is lacking in this organization that just simply hands over another 's hard earned money to a common thief so easily, with so many screaming red flags and no regard for their customers security or livlihood.


Product: ( 6 months before it was due )
Complaint_ID: Yes
Date_received:
Under the terms of the contracts, 1 ) I was to supply BB & T with my personal and financial returns every year within the first 90 days of the year and XXXX ) Maintain a corporate debt to income ratio of less than XXXX. XX/XX/XXXX, I was informed by the Asset Recovery Division of BB & T, that I was in default of my loan for the above XXXX provisions. This was even though I was never late on a payment! I explained that BB & T did receive my financials returns, not within the first 90 days of the year, as our CPA filed late that year ( we filed for an extension. ) But they did receive the financial returns XX/XX/XXXX. With regards to the debt to income ratio, we reduced this XX/XX/XXXX after a stellar year. The bank 's response was " If I can pre-pay off the note in XXXX XXXX


Date_received: In XX/XX/XXXX
Complaint_ID: Yes
Product:
 BB & T started adding additional fees to my note. They added the following fees : 1 ) {$1000.00} fee for XXXX appraisal fees -- why they would want to have the properties appraised considering my stance regarding refinance is unexplainable. There is a provision in the contract that states if an appraisal is necessary I would be responsible for that fee. Again


Product: in XX/XX/XXXX
Consumer_narrative: and since I disputed these fees
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: BB&T Financial
ZIP_code: VA
Submitted_via: 220XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/13/2016
Complaint_ID: Closed with explanation
Date_received:
2 ) {$3500.00} ( approximately ) in attorney fees. One letter I received from their attorney stated that BB & T 's position is that they will not refinance their note in XXXX XXXX. I asked why I have to pay for their attorney fees and their response is that I am

Subproduct:
 still in default of the provisions of the contract. My position is 1 ) I am no longer in default as of XX/XX/XXXX

Issue:
 2 ) the fees added were all assessed in XX/XX/XXXX. Since BB & T just added these fees to my current notes

Company_public_response:
 my loans now show as late. I have never been late for any payment. I maintain a XXXX that is 26 years old."


Product: XXXX XXXX
Subproduct: 2016. Due to the freeze to my account mentioned above
Subissue: XXXX ( XXXX XXXX XXXX XXXX XXXX ) have rejected my work permit application
Consumer_narrative: and hence
Company_public_response: I lost my job on XXXX XXXX
Complaint_ID: Yes
Date_received:
Every year I have to apply for my work permit. I had issued a Check ( # XXXX ) for the amount of {$380.00} to XXXX XXXX ( copy enclosed ) to re-new my work permit. The check had reached the bank of Friday

Issue:
 Check # XXXX bounced and now Bank of American does not have any trace of it. Due to not receiving a payment


Product: who requested me to provide multiple documents showing the check has bounced
Issue: when I gave the documents to the branch
Subissue: and they told me they documents were uploaded
Consumer_narrative: however XXXX XXXX told me she is going to close the case
Complaint_ID: Yes
Date_received:
I contacted Consumer Advocacy of BOA multiple times corresponding with XXXX XXXX XXXX and XXXX XXXX XXXX

Subproduct:
 and immigration rejection letter. Interesting I was using another branch to provide these documents and the same situation happened


Date_received: I explained this is unfair
Product: because I had provide the documents
Subproduct: and it is the negligence of an employee who caused this situation
Issue: and interestingly
Consumer_narrative: to the system that that I have no access to
Complaint_ID: Yes
Subissue:
 she mentioned as a costumer it is my responsibility to make sure the documents are uploaded correctly


Complaint_ID: Yes
Date_received:
All complaints have surround the " Activity Designation '' that EQ uses to define the current status of an account


Complaint_ID: Yes
Date_received:
Equifax - if you can not go back to the original creditor and put the account back to which it started and then stood until closure


Product: actual damages sustained by the consumer as a result of the failure or {$1000.00}
Issue: the costs of the action together with reasonable attorney 's fees as determined by the court."
Consumer_narrative: Equifax
Company_public_response: NJ
Company: 077XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/24/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: Yes
Complaint_ID: 1939614
Date_received:
In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of -- ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose

Subproduct:
 whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Auto
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Value Auto Mart Inc.
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
XXXX XXXX calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: OH
ZIP_code: 430XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The prior owner of my property, XXXX XXXX XXXX, XXXX, Ohio XXXX has the cancelled note for the property and I subsequently purchased the property in XXXX 2016. Ocwen identified that they had NO RECORD of an account still existing on the property. Regardless of this XXXX is foreclosing on the property and all references refer back to Ocwen and account number XXXX.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Specialized Loan Servicing LLC
Issue: PA
Subissue: 190XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 03/31/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Now after the second 'break-in ' by the lender, I no longerfeel safe in the property and more significantly have lost faith and face with my neighbors who do n't understand what is going on.


Date_received: 05/12/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: JPMorgan Chase & Co.
State: CO
ZIP_code: 802XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase Consumer Banking ( Chase ) XXXX XXXX XXXX XXXX XXXX, CO XXXX where we have had a business checking account for the past 20 years and regularly make monthly deposits has refused to honor and pay for a deposit made XXXX XXXX, 2015. We have a list of checks from clients deposited on that date along with a deposit Transaction Summary issued by Chase showing the Account Number and that a checking deposit was made in the amount of {$2300.00}. This problem was discovered some time later when a bank statement was received in XXXX 2015. We contacted Chase, informed them of the problem and presented the above information to them. They, we assume, did some analysis and later informed us that they do not know what happen to the checks in the deposit on that day and that they would need to move the issue to more senior management. In XXXX of this year we received a letter from the Chase Executive Office, XXXX TX apologizing for the problem, informing us that we had withdrawn the checks after they were deposited and, therefore, there was no deposit made that day. This is completely fiction and false, we were never informed by the local Chase that this happen because it never did. As mentioned above we have made client check deposits each month for the past XXXX years and have never withdrawn a deposit at the time of deposit or anytime thereafter. We continue to call the local Chase and try to get some resolution. They continue to inform us that senior management will be calling us to hopefully resolve the issue. To date the only contact we have had is the above mentioned letter and obviously no deposit money. The issue is now a year old and we need the money to try and continue our business. Thank you for your assistance


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Rushmore Loan Management Services LLC
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My loan was transferred to Rushmore Loan Management company in XXXX, 2015. Prior to the transfer, my initial loan company had granted me a debt forgiveness of a significant amount. Rushmore, is currently modifying my loan based on my initial loan amount and totally ignoring the amount forgiving as well as payments I have made to reduce the principal balance on my loan. The modification offered is another 30 year mortgage with the principal balance equal to my original purchase price. This ignores 9 years of payments and the loan forgiveness by XXXX. This is clearly a breach of contract and is fraudulent.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Shellpoint Partners, LLC
State: CA
ZIP_code: 902XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Shellpoint Mortgage Servicing services my loan and also collects money from me monthly for an escrow account, from which they pay my property taxes and homeowners insurance. The problems in the past stemmed from this escrow account, which they like to pad with exorbitant amounts of extra money to prevent the escrow account from going into the red when they pay the taxes twice a year. XX/XX/XXXX, they again decided to pad the escrow account and raised my escrow payment by {$1300.00} per month. This was the beginning of the nightmare that has now resulted in five months of Shellpoint lying to me, ignoring my calls, never returning calls, passing the buck, leading me up the garden path to nowhere, sending them mountains of paperwork and generally wasting my time. Even worse, they have ruined my credit, which was excellent when I applied to them for a modification XX/XX/XXXX. They have incorrectly reported me as having been late on payments, when all along, it was Shellpoint who had not applied the funds I paid them in XX/XX/XXXX and XX/XX/XXXX for the XX/XX/XXXX payment.


Date_received: 06/16/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: OH
ZIP_code: 441XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
By law Transunion only has 30 days not 60. In response to the file number with CFPB XXXX. Transunion stated they will respond in 60 days and that is not the timeframe that is stated by law 30 days is the law. 15 more days if another dispute is given.


Date_received: 07/06/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXX, I made arrangements with the following companies : XXXX XXXX # XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX # XXXX to settle my outstanding debt with XXXX in exchange for my payment the company agreed to remove the account and all references from their records and the XXXX credit bureaus ( XXXX, Transunion and XXXX ). As agreed I sent the checks and a letter to support that the payments were a part of our agreements. After 60 days I noticed that my TransUnion credit report was not updated to reflect the agreements and the items are still being reported as delinquent accounts. On XXXX XXXX, XXXX, I filed a dispute with TransUnion Credit bureau and I sent a copy of the agreement letters, proof of delivery, bank check payment verification for all of the accounts listed. As XXXX XXXX, XXXX TransUnion has not removed any of the accounts from my credit report, they have not sent any documentation to support that they have ever fully investigated my complaint, they have not responded to any of the proof that I sent that the accounts were paid in full and per the written contracts between me, XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX the debts are being illegally reported and are not mine once they accepted the terms of our agreement by cashing the checks. XXXX XXXX withdrew the money as an ACH from my personal bank account although I sent them a check via US Postal mail and they received a physical check. My credit bureau disputes are being ignored and my consumer rights have been violated.


Date_received: 04/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Several accounts on my credit report have been paid off and its not being reflected on my credit report. my scores are not reflecting my positive credit status.


Date_received: Now on my credit report it states that
Product: not only do I owe them over {$2300.00} which is not what they had stated earlier
Issue: that the amount would go up
Complaint_ID: Yes
Subproduct:
 but that I also use other social security numbers to identify myself which makes me look like I steal identities. So now they want the fall guy and since I sat there trying to prove that it was not me and since at the time I was not sure if the bill was not mine I told them that I would pay some of the amount which was originally said to be {$1700.00} just until I know if it 's my bill or not. I was never told that there would be interest rates

Subissue:
 and that they would ruin my credit report. In the credit report it can clearly be seen that once they got social security number by me saying it


Complaint_ID: Yes
Date_received:
They stated that because my address matches and my name matches that they can prove it was me. Anyone can get anything like that including my birthday BY MAIL!!! By going through my trash or finding mail of mine that does n't mean it was me now does it? They said it all matched so I stated that yes

Product:
 it matched and did the social security match? NO! Because when I first called to resolve this issue I was told over and over again that the social they had was not mine and that the person who was responsible for the bill gave a different social security number so now I told them that they record everything and should have record when they tell me it 's not my social security because obviously a stranger ca n't get that easily. There was also a call where I ask the girl if the guy I previously spoke with added my social security number and deleted the one they originally had and she swore he did not do that


Product: and that I need to pay in order for them to do anything
Subproduct: but they could easily ruin my credit report."
Issue: Company believes it acted appropriately as authorized by contract or law
Subissue: Rash Curtis and Associates
Consumer_narrative: CA
Company_public_response: 940XX
State: Consent provided
ZIP_code: Web
Submitted_via: 08/11/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
I called them several times telling them that they need to take my social security number off their files and take those negative statements off my credit report after they illegally used my social security number without my consent on a bill that 's not mine and they said they ca n't do that


Date_received: 05/15/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ALEXANDER-ROSE ASSOC, INC.
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My landlord would just walk into our apartment whenever he felt like it. He would not give us any notice at all that he was coming by ir the HOA. Anytime that he came into the apt or the HOA, I know they new someone was home because we had the t.v on all the time we were talking. One time the landlord walked in on us XXXX. We asked him multiple times to please give us notice just out of courtesy, plus by law he was supposed to if he was not doing anything of those exact things in the lease. Whenever he barged in, he was not taking pictures of the conditions of the apt nor showing any of the qualified people stated in the lease, for just walking in without any giving notice. We had to change the original locks on the door because he was barging in so much that sometimes I would be home with my son, and he would just walk in, scaring me and my son half to death thinking somebody was breaking in. One day he took the lock off the door that we put on to try to stop him from just walking in at any given time, since we asked him multiple times and he would not stop, that he left a hole in the front door, that anybody could stick their hand in the hole and opened up the door. I am a single parent, going to work everyday. I am not getting any assistance from the government. I work hard for me and my kids. Lastly, just because I did n't live in the nicest part of town and was not rich, does not mean that you can take advantage of people and treat them like trash. Scaring my XXXX boys and me that they are thinking someone is breaking into the house, having my boyfriend ready to protect or die for his family and you can clearly hear people inside that you could of had the common courtesy, respectfulness and decency to just knock on the door or call to see if we were at home. He was very ugly, nasty and stated that if you did not like it you could move out. I wad not the only tenant he did like this.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: NV
Subissue: 891XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 04/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX Account Number XXXX Auto Installment Loan {$3600.00} Past Due Date Opened XXXX/XXXX/XXXX Account Status Closed


Date_received: 05/09/2016
Product: Credit card
Issue: Delinquent account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: VA
ZIP_code: 244XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
When our daughter went away to college in XX/XX/XXXX, I co-signed for a XXXX with a low limit for expenses. This was done through our private banking at XXXX. Since that time ( XXXX years ago ), I never received a statement or any notification of any kind as she was the primary user. Nor was my name ever removed as it was shifted to a Bank of America card. A few weeks ago when my credit report was checked by my current bank -- XXXX XXXX XXXX XXXX of XXXX, notice of a delinquent account appeared first reported XX/XX/XXXX as a serious delinquency in the amount of over {$20000.00} from a credit card that was closed in XX/XX/XXXX by our daughter and her husband. I have yet to receive any notification from Bank of America or any statement or account information of any kind. My credit rating has always been " outstanding '' or "" excellent '' and to date I have not received any satisfactory explanation from Bank of America after filing a complaint to their victims department. I find this an unethical and undoubtedly illegal business practice that has adversely affected my credit rating on all three major credit reports. All other items appearing on the reports are satisfactory and have been for over 30 years."


Date_received: 05/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: VA
ZIP_code: 243XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have an old judgment showing on my report that should not be on there. There are XXXX bureaus that report your credit score. I have reviewed XXXX of them and XXXX has an old judgment showing unsettled and the other shows it paid. They are not accurate and it is keeping my score low. I do n't think they update their information on a regular basis because they definitely are not showing the same information.


Date_received: 06/21/2016
Product: Debt collection
Subproduct: Payday loan
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Company: CNG Financial Corporation
State: WI
ZIP_code: 531XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
 XXXX XXXX '' left a voicemail on my cell phone XXXX/XXXX/2016 claiming to be a process server stating that I have charges and a claim that was filed against me| and said that I was being served. In the voice mail she gives a " case number '' to reference. She also called my work| and a friend of mine stating the same thing that I was in the process of being served. After not returning her phone calls or messages immediately because I was at work| I got three calls in a row from what appeared to be my XXXX job. I answered the third phone call and it was this " XXXX '' person| not in fact someone from my XXXX job. She was talking really loud and fast. I could n't understand much of what she was saying. I caught something about getting a " cease and desist '' otherwise I was going to be served with a lawsuit. Upon calling the XXXX number| the automated message makes it sound like it 's an attourney 's office| and you have to give a " case number ''.


Date_received: 03/31/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: IMC Capital, LLC
State: CA
ZIP_code: 921XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received an unsolicited offer of credit with a pre-made credit card with my personal name and company name on it, requiring only a phone call to activate. My concern is that this card offer could be intercepted and activated by anyone, who could fraudulently and easily obtain {$150000.00} credit in my name. I assume this same offer has probably made to many others. Issuing company : IMCA Capital


Date_received: 04/25/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: MN
ZIP_code: 553XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Transunion to send me copies of my original sign documents of the FCRA ACT SECTION 609 I have asked them 5 times to please send me the info and they have fail to do so at this point they are in violation of the fcra section 609 ( a ) ( 1 ) ( a ) also 611 ( 5 ) ( a ) which clearly states me as the consumer has the right to ask the reporting agencies to provide this info if they are unable to they must delete the item this is a federal law.


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Seterus, Inc.
State: IL
ZIP_code: 625XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
After being denied on a recent credit request, I discovered that our mortgage company, Seterus, had placed negative information on our XXXX credit report even though it clearly states in the remarks section that the mortgage was included in a 2010 bankrupcy. Seterus reported {$21000.00} past due of payment amounts of monthly {$1100.00}. My understanding is that when the mortgage has been discharged, it is illegal to place this information on our credit reports and this is adversely affecting my credit rating and ability to obtain credit. XXXX and XXXX display the correct information of {$0.00} balance and {$0.00} payments due so evidently Seterus chose to report the incorrect information to XXXX. We are still in the house while we work on turning the deed over to Seterus but is immaterial to Seterus taking the action they did on our credit report. We already took the damage to our credit with the bankrupcy, they should not be dinging our credit for a debt no longer valid because it was dismissed. Any help to have the negative information removed off our XXXX report would be greatly appreciated. Thank you.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Complaint_ID: Yes
Consumer_narrative:
I have previously submitted information to the CFPB and Equifax regarding XXXX accounts that have been showing as " Under Investigation '' for greater than 150 days. It 's good that Equifax responded to my last complaint by opening a new investigation. Problem is

Company_public_response:
 they placed the WRONG XXXX XXXX XXXX account under investigation! Why would I request an investigation on an account I closed in good standing myself? Due to this error in placing accounts under investigation


Date_received: Finally
Product: end all items under investigation. According to the image I 've attached
Issue: then show me on another screen that all investigations are either closed or expired."
Consumer_narrative: Equifax
Company_public_response: IN
Company: 469XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/18/2016
Company_response: Closed with non-monetary relief
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1930667
Subproduct:
 there are NO ACTIVE INVESTIGATIONS. It 's a misrepresentation to tell me on my report that items are under investigation


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Company: RFNA, LP
State: MS
ZIP_code: 388XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I cash a loan check that I received in the mail. I lost my job & did not make a payment on the loan. My daughter deposited her federal income tax & state tax check into my account. The finance company from which the check was from won a garnishment on my account & withdrawl the money from my account which was my daughter 's money. What r her rights?


Date_received: 05/24/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: VA
ZIP_code: 234XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In response to my prior CFPB complaints against Equifax XXXX & XXXX I disputed XXXX judgments on my credit report. These judgments were part of the XXXX vs Equifax Information Services LLC Case No. XXXX XXXX settlement. In this settlement Judge XXXX has ordered Equifax to remove and delete all judgments from Virginia XXXX Court that are present on settlement members credit file. Equifax has refused to remove these from my file not once, but XXXX times.Today I spoke with the lawyers and counsel regarding this at XXXX XXXX, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX. Email contact XXXXXXXXXXXX and they have advised me that Equifax has until XXXX XXXX to delete these files of the main settlement members. My claim id is XXXX which Equifax does have in possession as they have activated my free monitoring for 4 years, which was also court ordered for settlement members. My dispute is they are not conducting proper investigations because if they did they would have seen this settlement and the requirements necessary to comply with the court order against them. I am reattaching the summary of benefits that I am due because of the settlement in which referenced the inaccurate reporting of judgments, in my case my judgments were paid off in XXXX and XXXX. Equifax failed to update their status as paid and for 4 years I have suffered at the unpaid judgments listed when they had been paid. Equifax corrected this on XXXX XXXX, XXXX to paid and satisfied, thus admitting they reported incorrectly against me for years. However they have ignored the court order to delete these which apparently they may be waiting to delete all members at once, however the layers said me providing court documents and my claim id is enough for them to delete them all completely as they will have to have completed in XXXX anyways. I am attaching their investigation where they realized their mistake and changed my status to satisfied 4 years later. I see no issue why they ca n't delete these permanently as required under settlement details. They activated my membership for credit monitoring so they are very aware I am part of this settlement. I want these XXXX judgments erased immediately they have damaged my credit worthiness incorrectly for many years. I attached my summary, court order, dispute results changing the status and the refusal to delete when they are going to have to do it anyways but they did not investigate into this settlement accurately I provided the lawyers contact above.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: IL
Subissue: 609XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 07/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
thank you the XXXX 's XXXX and XXXX I talked to XXXX at the call center Agent # XXXX on XXXX XXXX, XXXX At XXXX central time zone


Date_received: 05/24/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: VA
ZIP_code: 233XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I will keep writing complaints until the correct action is taken either by sending me something through the Consumer Financial Protection Bureau that contains my personal information or block it on my credit report. XXXX XXXX XXXX has told me that a name is on the account in question that is not mine and I do not know this person. I question Equifax 's proof of verification when they have not sent me the proof. I will back off when XXXX XXXX XXXX contacts me saying their investigation proves the account was open fradulently, until then the information should be blocked. I also question Equifax 's proof of verification when another credit reporting agency could not get verification so the account was blocked. I will keep writing until this is corrected.


Date_received: 05/12/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Company: Nelnet
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Charged by XXXX for XXXX semester ( XXXX 2004 ). I was n't allowed to attend that semester by the XXXX at the time due to lack of finances on their record. Or at least, that what I was informed. I did not attend classes because teachers also did not have me n their rosters. When I attempted to attend classes when the semester began, I was directed to financial aid where I was then told I did not have the finances. Only to be charged in later years for the loan for that semester when I was no longer attending school. I have accumulated delinquencies & am now paying debt on a loan I never received.


Date_received: 04/26/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: JPMorgan Chase & Co.
State: WA
ZIP_code: 990XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I Have a USDA Rual Guaranteed housing loan. The loan was with a smaller bank to start then chase bought the loan. A couple years later, I got into a Divorce and tried to sell the home. Got an offer where we thought we were going to end up getting XXXX back. With unexpected fees could not come up with the -XXXX to close the house. So it fell through on day of closing. Since we thought the house was sold my ex and I moved out of the house into rental homes. The mortgage was more than I could afford by myself especially with a house was renting too. After a couple of months of not being able to sell the house outright decided to try for a short sale. A good offer came in. I asked chase if I could get a loan for the bit over XXXX the offer was going to be short of breaking even so that house would sell outright. They said no. So we started the process. It would often take days to get responses on paper work and after a couple months of fighting to get the short sale though that possible buyer left. With the Next possible buyer my realtor and I spent over a month sending all the paper work in. It made it to the USDA for approval then Chase sent me a new agent. Chase said they could not get the info or check on the status with the USDA. Chase made my realtor and I Start all over on paper work again. After dealing with Chase getting to get the offer presented to the USDA for a while we lost that possible buyer. During this entire time the fees with Chase are just racking up like crazy. Got a third decent offer been trying to get this one to go through for several months. Chase every couple months sends me a letter saying I have a new agent. I would call into chase every couple days and sometimes Chase would tell me my agent would be one person they would tell my realtor another. I now think I am on the XXXX agent with Chase. Every time it seems like were making progress and getting close to getting the offer sent to the USDA Chase switches my agent. At first I thought it was bad timing but it happened so many times I now believe it is intentional. The really bad thing with a USDA loan is as a matter of practice they go after you for the difference that your house loses in foreclosure. My house is going to be foreclosed on in XX/XX/XXXX. With all the fees I am now owe over XXXX on the loan. I had so many problems when dealing with Chase I tried contacting the USDA for help. I started with the local person who sent me to the National office in XXXX XXXX. I left a message there with someone. A week later I get a call from a different person from that office. They said they guarantee the loans to the lender and if the house is foreclosed on they will go after me for the difference. I told them that my lender was behaving badly and they told me it was not their problem. The USDA refused to be any help. The guy i spoke to was rude. So i am back to trying to short sale a house with a bank who knows there going to get their money from the USDA so they do n't care. The people who offer the loan the USDA really do n't care. All they care about when a mortgage goes bad getting their money from the borrowers. My big fear now is the house will sell action for much less than its worth and I will get stuck paying a huge amount of money that I cant afford and it will bankrupt me. I need help.


Date_received: 07/06/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 961XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I submitted a demand letter to Experian on XXXX/XXXX/2016 along with proof from XXXX XXXX stating that there should be no late payments reporting. I receive a response from Experian dated XXXX/XXXX/2016 report number XXXX stating that they have previously processed the dispute. This is ridiculous! My scores are being affected negatively and I am getting no accurate response from the bureau. There should be NO LATE PAYMENTS reporting on my XXXX XXXX XXXX account. Correct this error immediately!!


Date_received: 05/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: NV
ZIP_code: 891XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX IS REPORTING XXXX XXXX XXXX PLEASE NOTE IM A MEDICAID PAITENT IN NYS UNDER NYS LAW THE PROVIDER CANT BILL ME ONCE THEY HAVE TAKEN MEDICAID IF I DONT GET THIS REMOVED ASAP I WILL BE SUING


Date_received: 04/18/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: D. SCOTT CARRUTHERS
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
I 've been getting harassing phone calls at home and and work from an attorney office for a loan i had with XXXX XXXX. I told them to stop calling me on numerous occasions over the phone and I even sent them an email telling them to contact me by mail only. They are putting my job in jeopardy every time they call.


Date_received: 05/13/2016
Product: Credit card
Issue: Transaction issue
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 950XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I made a payment of {$400.00} from my Citibank Credit Card on XXXX XXXX XXXX at a Citibank ATM located at XXXX XXXX XXXX XXXX , XXXX XXXX CA XXXX. The ATM jammed and did not give me a receipt for the payment. I called the branch an hour later and they Branch Manager said they have the {$400.00} that was jammed in the ATM and will make sure it gets credited to my account. It is now a week later and after many calls to Citibank Customer Service and the XXXX Branch Office my {$400.00} has not been credit to my account.


Date_received: 05/22/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I AM THE VICTIM OF IDENITY THEFT AND I HAVE DISPUTED FRAUDULENT ACCOUNTS ON MY EQUIFAX REPORT. THIS BUREAU CONTINUES TO REPORT FRAUDULENT AND INACCURATE INFORMATION ON MY CREDIT REPORT WHICH IS A VIOLATION OF MY RIGHTS UNDER THE FCRA.


Date_received: 07/06/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: PA
ZIP_code: 186XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am on a credit card with Wells Farcgo as an authorized user that I did not sign up for. This is effecting my credit in a negative manor. I have spent over 4 hours on the phone with Wells Fargo trying to fix this. Most of my time spend during this wasted time was verifying who I was and getting transferred and hung up on. They even sent me into a bank branch because they were sure that would resolve my issue. I drove all the way to bank only to be told that they do not deal with credit cards. On XX/XX/XXXX I called XXXX and spoke with XXXX employee # XXXX ref # for call - XXXX - He was supposed to send me proof that I should be on this account and teh proof was never received. Finally, after wasting over 6 hours of my time, I have decoded to file a report.


Date_received: 04/12/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: MI
ZIP_code: 483XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I initially disputed items on my credit report, which came back as verified. I believe that the investigation is questionable.


Date_received: 05/16/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Dynamic Recovery Solutions, LLC
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I recently received a phone call from this company attempting to collect a debt that is past the statue of limitations. Today I received a letter in the mail concerning that same debt.


Subproduct: Portfolio Recovery Associates, Inc.
Issue: IA
Subissue: 526XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Refusing to provide information is abuse and similarly did not resolve the issue of third party harassment. In relation to the same, the representative-agent refused to provide basic information about the company in order to conceal identities in relation to the nature of her debt collection activities.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I left because their was rodents and other insects in both places, that I made numerous complaints about. I do not owe any debts to any of these companies.


Subproduct: Navient Solutions, Inc.
Issue: OR
Subissue: 972XX
Company_public_response: Consent provided
Company: Web
State: 04/10/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am now a XXXX year old woman and under incredible stress with all of this resulting in XXXX car accidents last year sky rocketing my insurance rates and still with attempts to reduce my living expenses, I have been depleting what little retirement I had from my Mutual funds and IRA to be able to meet living expenses. At this rate, there will be nothing left way before I get to retirement age. My immediate concern is that Navient and XXXX XXXX will eventually garnish my wages despite everything I am trying to do. I have just basic living expenses and no car payment or credit card bills and still ca n't meet their school loan payments. Apparently, obtaining a legal judgement is only as good as how much money you have to fight big corporations holding vast wealth. I do not know where else to turn and desperate for help.


Date_received: 03/27/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
I am just an individual person fighting financial institutions, the " too big to fail '' organizations. They have paid lobbyist and billions of dollars


Date_received: Per the FHFA
Complaint_ID: Yes
Product:
 The foreclosure process may not commence if the borrower and servicer are engaged in a goodfaith effort to resolve the delinquency. The servicer must conduct a formal review of each case to ensure a borrower has been considered for foreclosure alternatives before the loan is referred for foreclosure. Even after foreclosure processing begins


Date_received: The only reason that I did not qualify for the MyCity Mod
Issue: XXXX XXXX XXXX XXXX Department
Subissue: XXXX XXXX XXXX XXXX Department
Consumer_narrative: XXXX XXXX 's CEO
Complaint_ID: Yes
Product:
 initially was because PNC used a BPO appraisal of {$360000.00} to determine the value of my home. This inflated value along with PNC 's and XXXX XXXX 's delay in correcting the value resulted in improper fees and improper Streamline Modification payments. Incidentally

Subproduct:
 the XXXX XXXX could have started on the 91st day of me becoming delinquent since it requires no documentation. A BPO is based on an opinion. The Assessor 's office along with an XXXX are based on facts I disputed the value for my home for months with PNC. They refused to change it. I then filed numerous complaints with : XXXX XXXX

Company_public_response:
 XXXX XXXX 's Board of Directors. Each office either ignored me or gave me the run around. After numerous months of contesting this value


Subproduct: in their eyes. With this validation
Complaint_ID: Yes
Date_received:
At the time I submitted the dispute I was told to compile a list of XXXX properties that were sold in my area. I was informed that this list could include short sales and foreclosures. I was told months later told that I could not include short sales and foreclosures. Even without including the above mentioned

Product:
 the value of my home per XXXX XXXX was {$210000.00}. XXXX XXXX used the average price of the XXXX to determine the value of my home. By doing so they validated that the value of my home was not {$360000.00} but instead was {$210000.00}


Complaint_ID: Yes
Date_received:
The quality control tool used by XXXX XXXX found that approx. only XXXX % of its home values are not inflated. Yet


Product: or other estimate of a property value
Complaint_ID: Yes
Date_received:
 XXXX XXXX 's Home Value Calibrator Home Value Calibrator ( R ) ( Calibrator ) is a quality control tool that measures the risk that an appraisal


Subproduct: "" We do n't put anything in writing we only tell you over the phone. ''"
Subissue: PNC Bank N.A.
Consumer_narrative: IL
Company_public_response: 606XX
State: Consent provided
ZIP_code: Web
Submitted_via: 03/27/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Date_received:
XXXX XXXX = XXXX XXXX = XXXX * XXXX = 204 % ( APPROXIMATE VALUE - This value was determine by taking the MLS value of {$210000.00} and subtracting the estimated cost of repairs needed to my home of approx. {$100000.00} ) I spoke with XXXX at XXXX XXXX on XXXX/XXXX/XXXX. She stated XXXX of the Escalation Department noted on the computer that

Product:
 "" They the agreed with PNC and are not changing the amount I owe. '' I also asked her to put how they came up with this agreement in writing and she said


Date_received: 04/18/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: D. SCOTT CARRUTHERS
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
This attorney keeps calling me at home and at work to try to get a hold of my boyfriend. The debt is not mine and even after telling them on numerous occasions to stop contacting me they still call every day. They are putting my job in jeopardy every time they talk to the my boss. They know everything about me and they should n't.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes complaint is the result of an isolated error
Company: Ditech Financial LLC
State: VA
ZIP_code: 220XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
We have a mortgage being serviced by ditech. After the escrow review, there was a shortage found and we were asked to pay it up front or have our payments go up. The document stated if the shortage was paid by XXXX/XXXX/2016 our payments would be {$2700.00}. If not they would go up to {$2700.00}. We paid the shortage of {$1000.00} which was applied to the account on XXXX/XXXX/16. But the statement sent to us is demanding {$2700.00}, the amount for not paying the shortage up front. I 've called the customer services department and they claim it was applied to the wrong place and they say I still have to pay the extra amount and said it would come off my next statement. But their own billing statement shows the {$1000.00} applied to the escrow. They still increased the payments as if we did not pay the shortage in full. In essence, they are trying to steal {$48.00} from us each month. In this process, they have also suddenly changed my account number, which will be given in a later step.


Date_received: 05/15/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: CL Holdings, LLC
State: CA
ZIP_code: 917XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I received a bill from XXXX wireless I kept disputing but it comes back verified and updated.i kept disputing debt and never received verification that debt was mine.it has been sent to several collection agencies and keeps being updated. Recently debt has been updated to XXXX 2015 as a current debt.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Dovenmuehle Mortgage Inc.
State: UT
ZIP_code: 840XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have never received a monthly mortgage statement from Dovenmuehle Mortgage. I have been with Dovenmuehle since 2012. I called them and demanded monthly statements and was told they do not send out monthly statements. This must be illegal. What can I do? Who can help me deal with this deceptive company? I need to report misconduct and poor business practise. I know this company has misused my money over the last four years. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX


Date_received: 04/08/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Taking out the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Mariner Finance, LLC
State: FL
ZIP_code: 347XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX my identity was stolen when my vehicle was broken into and my wallet was stolen with my social security card, drivers license and bank cards. My identity was used to get a loan from a company call Mariner Finance /XXXX XXXX . I contact this company through writing, by phone calls and visit the location, I provide them with all information and documentations, they even compare my drivers license, signature, and social security card which did not match the ones that was use to get the loan. I went into the branch on XXXX/XXXX/XXXX to follow up with the investigation and they run my credit without my knowledge and still have n't done anything to resolve this situation. I did NOT apply for nor receive a loan from this company


Date_received: 06/08/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
State: and Capital One is writing it off
ZIP_code: how is it legal for Capital One to still say we owe it?"
Date_sent_to_company: Capital One
Company_response: ND
Timely_response: 584XX
Consumer_disputed: Servicemember
Complaint_ID: Consent provided
Consumer_narrative:
We purchased a vehicle in XXXX 2012 through Capital One bank. My husband was XXXX XXXX military at the time and had just left for XXXX. He was not getting correct pay while on XXXX and we got 3 months behind on our auto loan. Capital one said it was ok because he was covered under the SCRA and to pay when we could. We checked his credit to see that Capital one had charged off the auto loan after 3 months. We paid what we could on the loan when we could. My husband retired from the military and we did n't know how to deal with the auto loan showing as a charge off so we called Capital one to find out what to do. They told us if we could sell the vehicle, the remaining balance would be zeroed out and sent to the IRS as debt relief " income '' that would need to be filed with our tax return. We took the vehicle to our local dealership and took a huge loss on the vehicle. Thinking we would just have the balance as "" debt relief '' we accepted the deal. Our credit reports are still showing a balance owed of over $ XXXX and none of the credit bureaus are showing as settled. I spoke to more than one Capital One representative who told me the balance would show as zero since we have to claim the remaining balance as income. Now they are telling me that is not how their settlement amount works. We took a huge loss on our vehicle when we just could have gone to our bank to refinance the loan instead. Capital One was dishonest with us before the vehicle was sold and I feel like they told us what we wanted to hear in order to have the account settled so they could write off the remaining balance. We are now going to lose the house we are in because we are temporarily renting until we can get a loan from our bank. Our bank requires a XXXX balance on any charged off accounts before they will do the loan

Company_public_response:
 which is why we trusted Capital one when they told us if we sold the vehicle the balance would show as XXXX because we have to claim the remaining as debt relief income. If we have to claim $ XXXX as debt relief income

Company:
 how can Capital One still list $ XXXX as balance owed? If the IRS is penalizing us for that balance


Date_received: 04/27/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Company: Equifax
State: TN
ZIP_code: 380XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I contacted Equifax about XXXX judgments that are still showing on my credit reports after multiple disputes and not receiving ANY documents to verify them. i gave the a call and spoke with the call center representative named XXXX. She insisted that Equifax contacted the XXXX XXXX XXXX XXXX to verify the judgments, but was providing false information because I forwarded her a sealed and stamped letter from the courthouse stating that they do NOT in fact verify nor validate information with the credit bureaus and they also DO NOT report information to them. Equifax has parroted my public information from an unknown internet source,, lied to me about where it comes from, and refuses to remove it per the FCRA because it is unverifiable. I 'll attach a copy of the court documents. Please resolve this issue as soon as possible.


Date_received: 05/20/2016
Product: Debt collection
Subproduct: Auto
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: MRS BPO, L.L.C.
State: MO
ZIP_code: 630XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
After the car was returned to XXXX back in 2012 we received a letter stating that we owned nothing on the account at all. We have no idea why we are receiving collection attempts on a fraudulent amount and we would like for this to stop immediately.


Subproduct: Apothaker & Associates, PC
Issue: NJ
Subissue: 080XX
Company_public_response: Consent provided
Company: Web
State: 05/17/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I contacted the agency to alert them of my complaint and they stated that a cease and desist was ordered on the account so they could not discuss any information.


Subproduct: HSBC North America Holdings Inc.
Issue: CA
Subissue: 930XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Thank you for your assistance with this matter and I look forward to hearing back from you and HSBC ( XXXX ) with regard to this complaint ( and consumer violations ).


Date_received: 05/19/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CO
ZIP_code: 800XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Your choices are not fully accurate to my situation. Because of a breach I have a credit monitoring service with another company, that reports on things from all XXXX credit bureaus. The reported that a company pulled my credit report, except it was n't with their company it was with Trans Union. They transferred me to Trans Union and there was no way to actually speak with someone so their phone system hung up on me. I tried additional numbers and got hung up on multiple times. I finally reached someone, who was not in the US and he would not tell me where he was. Because of a hearing handicap i have it was impossible to understand him with his accent. He said he would transfer me to the US. Instead I got hung up on. When I tried calling back I got put into the endless cycle of not being able to reach anyone.


Date_received: 07/05/2016
Product: Credit card
Issue: Credit card protection / Debt protection
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 961XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was fraudulently enrolled in a debt protection program XX/XX/2008. It took 4 months to get a response on proof of enrollment. The letter states I was enrolled by telephone which is not factual. No such conversation took place.


Date_received: 04/25/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: TX
ZIP_code: 781XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have disputed this account multiple times with all the bureaus and XXXX its self. I have not received any kind of response concerning this account. The account is reporting as a collection with a balance that is not correct. This account was paid by another cellular company when I switched out contracts.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Williams, Rush & Associates, LLC
State: NY
ZIP_code: 105XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
This item has been reporting on my credit unlawfully. I am attaching proof that I sent them a letter requesting that they prove that I owe them this debt the same proof that they are required to have under the law. I have received no response at all. No documents bearing my signature, and no proof that they can legally hold me accountable for this debt. This company is also committing identity theft as they have opened an account using my name without my consent. I have sent a letter to their XXXX and I am also contacting the FTC. My next move will be a lawsuit.


Date_received: 05/16/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Citi is issuing a XXXX brand VISA credit card to replace an XXXX XXXX XXXX credit card. I was not asked if I wanted the Citi VISA card or given an opportunity to opt out, either by XXXX or Citi. Citi ran a credit report without my permission and as a result, my XXXX score plummeted.


Date_received: Additionally
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: TransUnion Intermediate Holdings, Inc.
Subissue: MS
Consumer_narrative: 395XX
Company_public_response: Older American
Company: Consent provided
State: Web
ZIP_code: 05/18/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 there credit score numbers are always significantly lower than the other XXXX reporting agencies which has a negative affect on a persons credit score."


Date_received: 03/31/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NY
ZIP_code: 112XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX, an individual fraudulently accessed my Macy 's credit card account ( Department Stores National Bank ), ordered a new card to their address, and subsequently charged approximately {$1100.00} in goods, which, since my account was set up to auto-pay the bills, was drawn from my checking account as a payment. This occurred a second time before I detected the issue, for a total of approximately {$2300.00} in fraudulent charges. After several weeks of waiting, Macy 's ( DSNB ) refunded these charges. On XXXX XXXX, XXXX, Macy 's ( DSNB ) again stole {$1100.00} from my bank account, and is not providing any explanation for why they have stolen these funds from my bank account. They have restricted my account so that I can not turn off the auto-pay feature, nor see any activity.


Date_received: 04/14/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: but they do n't apply to my loan 3. When attempting to reach thier "" Equity Acceleration Team ''
State: to discuss the mechanics of a bi weekly payment
Submitted_via: they do not resolve technical problems
Timely_response: Nationstar Mortgage
Consumer_disputed: CA
Complaint_ID: 947XX
Consumer_narrative:
XXXX issues : 1. Took additional month payment and booked against " Principle '' not "" Payment '' so stated online and in automated phone system I was delinquent

Company_public_response:
 when in fact I was ahead of schedule. There is no option to allocation additional payment to your chosen category 2. I decided to pay bi weekly instead of monthly. They hold that bi weekly payment not applying to your account/principle/payment until a full months amount is recieved. Therefore they garner interest on that cash for thier business while charging me interest on the partial payment I have given them

ZIP_code:
 I was kept on hold 45 minutes between XXXX different customer service reps. I was then told when the rep tried to reach the Equity Team they get disconnected. Therefor I should call back. Basically they are either not staffing thier service lines during working hours

Date_sent_to_company:
 or they do not answer on purpose. There are numerous reviews from others stating this happened to them. This is a tactic to delay the bi weekly payment option therefore mitigating the chance that I reduce my principle faster which would reduce NationStar 's interst/earning on my loan."


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: OK
ZIP_code: 730XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We received a check Friday XX/XX/XXXX from the sale of our house. Prior to depositing the check we called and asked how long the hold would be and what % it would be the rep stated they would n't be able to tell us. We tried to deposit the check but it would n't deposit through mobile deposit ( the only option when depositing in OK currently ). We called back and after some discussion the rep advised to add the amount as lower in the app than the total amount to allow some of the funds to deposit right away. Because of this only XXXX showed up of the XXXX with about XXXX available. On Mon XX/XX/XXXX we called and a rep was able to manually add the other XXXX and stated it should show up in the account overnight. We again asked how long and what % the hold would be the rep advised they did n't think there would be a hold since the amount was being changed manually. On the morning of Tues XX/XX/XXXX we saw the XXXX was in fact added to our balance but only another XXXX was made available leaving about XXXX % of the original total on hold. We called first thing in the morning and spoke to a rep about the hold. They advised the hold was placed due to our account history and the size of the check. We asked if there was a way to verify the amount was good with the other bank to remove the hold faster as it is essential more of the money be released, but the rep advised the hold would remain until XX/XX/XXXX & XX/XX/XXXX for the amounts no matter what. We requested to speak with a supervisor but were advised one was n't available and would call us within 24hrs. We called back again that morning due to the urgency of the matter and spoke to another rep that stated there was no one who could remove the hold and we were basically wasting our time. We stated several times that we understood them holding some of the money but had never had XXXX % of a deposit held before and felt the hold amount was excessive. We again requested to speak with a manager and were told one would call back within 24hrs. We advised we could n't wait that long as this was an emergency for us and indicated we could wait until a manager became available. The rep placed us on hold but when they returned they again stated no manager was available but they would try to have one call back as quickly as possible. While waiting for a manager to call we reviewed USAA 's deposit regs and the Fed Reserve guidelines. While they show that a hold can be placed on deposits over XXXX it appeared that the first XXXX should still be available within 2 business days which would be today XX/XX/XXXX. The only exception I could see that would possibly apply was the section regarding accounts overdrawn for 6 or more days in the last 6 months, but the only time in the last 6 months that I know of our account being overdrawn was when there were fraudulent charges on the account which USAA confirmed as fraud and reimbursed us for. I called again as we had n't heard from a manager yet but the call with the first rep I spoke with disconnected from their end after a hold. When I called back I advised that I felt the amount being held was in violation of fed reserve guidelines and I wanted to give them a chance to resolve the issue prior to making a complaint but was told there was no one who could alter the hold. This time they stated that the way the money was deposited ( it was deposited as instructed by a usaa rep ) was what resulted in a hold that no one could remove. We believe USAA placed more of our funds on hold than they should have and failed to adequately address our concerns. At this time we still have n't heard back from the manager who was supposed to call back.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company: Check into Cash, Inc.
State: KS
ZIP_code: 671XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A man who said his name was XXXX XXXX called my cell and left a message stating they had delivered a 21 day notice to my residence and it was now day XXXX hours to call him to settle the matter before a process server was sent out to serve me. Case number he gave was XXXX. In the voice mail he never identified the company he works for, nor the company the case that was referred to his office was for. He then called my employer less than 5 minutes later and threatened me on the phone. Refused to tell me who the debt was for until I in turn demanded a fourth time to know what the debt was for. He finally said the debt was from Check Into Cash payday loan. Said the amount due was for over {$700.00} but I do not recall ever taking a loan out for that amount, and the last loan I took out was over 3 years ago. It is my understanding the statute of limitations for a lawsuit in Kansas is 3 years. He wanted to know since I work for a law office when I was going to pay the debt. When I told him not to call me at work and told him I was aware of the FDCPA he hung up on me. The number he called from was an unknown number but he left a number that ca n't be traced to a specific company on XXXX.


Date_received: 05/10/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Rushmore Loan Management Services LLC
State: CT
ZIP_code: 067XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage lender has not paid my property taxes and I now have a warrant against the property. They have not received a payment from them since XXXX 2015. Next payment was due XXXX 2015. I sent my lender a deliquient letter and they said it would be paid within two weeks. Two months go by and that 's when I received a warrant from the XXXX. I 'd like to know how to proceed and it it possible to change lenders. I have absolutely no trust in them and they are clearly mishandling my mortage payment that I send to them on time every month. This lien goes on my credit and I 'm at risk of losing my home.


Date_received: 04/19/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: how the interest only worked
State: refi
ZIP_code: mod etc. We were told
Submitted_via: on XXXX separate occasions
Complaint_ID: my credit is ruined
Consumer_narrative:
When we first entered into our, 30 yr Conv Jumbo pay opt ARM, w Countrywide, we signed our loan closing paperwork based on the TIL which indicated that we could afford the payment adjustments through the life of the loan. We did not know that the amts on the TIL were the minimum pay " option '' & that if we only paid that amt we would quickly go into neg am. We were not approved on the full pay option but on the minim pay option. This alone indicates seriously poor deceptive lending practices besides a few of the other items listed below. *When my first pay coupon arrived however my pay was {$1400.00}. I contacted CW who advised that that {$1400.00} was the full pay amnt w interest & that if I only paid the {$750.00} I would be upside down & my pay would then continue to increase throughout the life of the loan. I told them that at our closing I clearly did not understand the type of loan

Company:
 how it affected the pay amnts & that I could not afford the full loan pay today let alone after adj increases. *Obviously we had good credit before we purchased our homes & our personal accts were all in very good standing. We made the adj pay for over two years. We even advised the bank more than six mo. in advance that we were going to have a problem meeting the pay & repeatedly asked for a loan restructure

Date_sent_to_company:
 that since we were current there was nothing they could do for us! *Sometime thereafter when BOA took over

Company_response:
 I received notice that since we had not yet paid our taxes they pd it for us & then demanded the full tax amount & escrows be put in place! They paid the taxes due upon receipt of the tax notice and paid it on the first due date. They did not allow us to pay the taxes that we were responsible for & we had at least six months before the final due date. *Sometime there after we received notice of a large sum charged ( over {$4000.00} ) to my acct & I tried for many

Timely_response:
 many months contacting them to understand what the charges were for and no one was able to explain it or why it increased my pay by even more. Then when I tried to make a pay that was not the full new amnt they would not accept it! So here we are & to date we still do not know what the amount was for. *At some point we also received a Lost Note Affidavit. *In 2014

Consumer_disputed:
 I received a letter that stated they placed insurance on my acct since I did not have a current policy in place. I sent them my current policy twice by fax and once by mail. They said they never received it so they charged my acct for a new policy & added more escrows since they said I did not keep a policy in place! Our pay increased again w the escrows & reserves. They eventually said they received our current policy & removed the charge but they kept the escrows in place. *We won the first foreclosure hearing due to multiple reasons. They have now started the process over & we have retained our atty again. They are delaying providing docs as req by my atty & filing extensions. They will not work with us


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: FL
Subissue: 327XX
Consumer_narrative: Older American, Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: my credit is ruined
Date_received:
The Debit account that was charged, is not my primary account that I used for daily transactions. It was account that was first opened after my father died. I never received a paper statement detailing the account status. I never logged on to the account because I never used the Debit Card for any transaction.


Date_received: 04/09/2016
Product: Debt collection
Subproduct: Payday loan
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Company_public_response: Company disputes the facts presented in the complaint
Company: D. SCOTT CARRUTHERS
State: CA
ZIP_code: 923XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
Scott Carruthers Law firm claimed to be a debt collector for XXXX. Scott Carruthers Law firm is a total SCAM! He is n't a so called law firm. We a agreed on a monthly payment of {$120.00} a month XX/XX/XXXX for a debt due to XXXX. I did n't know at the time that he was a scammer. I paid {$600.00} up front via my checking account. I paid {$120.00} each month till XXXX XXXX XXXX. XXXX XXXX XXXX Scott Carruthers Law firm took two payments of {$120.00} when I did n't agree to that. My bank account shows XXXX but nothing about a law firm. I then called Scott Carruthers Law firm and got no answer, left a message and he never called me back. Then on XXXX XXXX XXXX at XXXX I get a call from XXXX from Scott Carruthers Law firm saying I 'm in big trouble for closing my bank account out and saying I still owe {$600.00} but now I 'm going to owe {$6500.00}. I told him I finally found out they have been scamming me for all these years. XXXX of course denied that. I told him send me a letter with proof of everything he was saying. XXXX then called my daughter 8 times and harassed her. XXXX said he looked up XXXX pages and said he knows everything about us. My daughter told him if he calls again we are calling the police and reporting him. He hung up and ten minutes later tried to call her again. She did n't answer, he has n't called since. Now I 'm reporting them everywhere I can, so I can warn others.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: WA
ZIP_code: 980XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a low credit score and did not understand why. I pulled my credit report and found that I my XXXX account had been sent to the credit reporting agencies. It was a bill for {$37.00} that I never received a bill for. I contacted XXXX at that time to find out why I had never received a bill. They replied that my account has a returned mail restriction on it and they could not send me any mail, this is why I have not received any mail from them. I do not know why that would have happened because I have never put any kind of restriction on my account, and I would never tell any creditor that they could not send me mail. As soon as I discovered that I had a outstanding bill out there I paid the bill and requested that they inform the credit agencies that it has been paid and to ask the credit agencies to remove it from my credit reports. They referred my to their legal department. I would like to dispute this action on the part of XXXX because I never received a bill and nobody from XXXX made an effort to contact me about the past due balance. I did not ask or request any kind of restriction to keep them from sending me a bill. I am sending the replies I received from XXXX acknowledging these facts


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Company: Encore Capital Group
State: AZ
ZIP_code: 852XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Midland Funding , LLC has placed a lien on my home. I was informed of this by a mortgage lender with whom I was trying to close on a home refinance HARP loan. I was not aware there was a lien on my home. I understand that this action is illegal. Can you help me by contacting Midland Funding , LLC for me?


Date_received: 04/29/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Perfection Collection
State: MD
ZIP_code: 207XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
The debt was originally created by an alarm system company called XXXX. I signed up with them while I in XXXX, NC because I am a XXXX. I had to leave the area and I no longer needed their services. They made the process incredibly hard, but I did everything they asked including sending in a letter stating I wanted to end my contract. I found out a few months afterwards that they were continuing to charge my account, and the only way I could get them to stop was to cut off and change my debit card. Spoke with them again and that did nothing, they continued to charge my account until it reached XXXX dollars that I did not authorize. They sold the collection to perfection collection who refuses to remove the debt from my credit report despite numerous fillings through experian stating the debt was illegally charged to my account.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Company_public_response: Company believes complaint is the result of an isolated error
Company: Quick Click Loans, LLC
State: CA
ZIP_code: 935XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016, XXXX XXXX of Brookwood Loans phoned me at XXXX XXXX regarding payment on a loan. My XXXX is XXXX and I can provide phone records. This is in violation of the Fair Debt Collection Practices Act, and because I am a resident of California, it is a violation of the Rosenthal Act.


Date_received: 05/24/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: so why do I have to pay it when I do n't even think it 's valid?"
State: PNC Bank N.A.
ZIP_code: OH
Submitted_via: 432XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/24/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I received a fraudulent check, one of those scam checks, for my car over 7 years ago. Once that check did n't clear and was returned, I thought the money was taken out of my account. I submitted a police report of the fraud and have not received a letter explaining the debt owed since it first occurred. Now, I am trying to open a business account at same bank and they are saying I owe the money from that transaction, without providing me with any letters that were n't sent to me or evidence of the transaction. I keep getting transferred to different departments with no one being able to give me an explanation beyond, " you owe that debt ''. I believed this debt was taken care of 7 years ago but now it 's come back to haunt me. What can I do in this situation? Is n't there a statue of limitations? I know for a fact the bank did not keep this relatively small debt on their books all these years


Date_received: 05/13/2016
Product: Credit card
Issue: Closing/Cancelling account
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase closed my Checking account that I opened in the beginning of this year, following that closure, they stated they are now closing my credit card as well. I had high cash deposits / withdrawals due to a few trips to XXXX XXXX but I have proof of the income and it 's reporting to the IRS under my social security from XXXX XXXX. I have written a letter to the Executive Office at Chase and I am currently pending a response.


Date_received: On XXXX XXXX
Product: 2016 I submitted a complaint to CFPB # XXXX "" Case number XXXX with response ''
Subproduct: yesterday XX/XX/2016 I received an email with the "" BBVA '' response
Issue: See Attachment # XXXX "" Case number XXXX with response ''. On XX/XX/2016 I spoke to XXXX XXXX
Company_public_response: after-all the name Consumer Financial Protection Bureau
Complaint_ID: Yes
Subissue:
 and discussed my disapproval of the "" BBVA '' -response. I was advised to re-submit my complaint and add my "" desired resolution ''

Consumer_narrative:
 although it was filled out in the previous complaint I reenter a new complaint with the hope of a better result


Date_received: Although I filled up all necessary fields
Complaint_ID: Yes
Product:
 it did not go through. Trying again the following day did not have a good result after calling the help line the bank did not offer any help


Date_received: Only documentation that I received from "" BBVA '' since XXXX XXXX 2016 until today XXXX XXXX
Subproduct: disrespecting the client
Issue: the bank investor is not important to the Bank to take into account
Complaint_ID: Yes
Product:
 2016 are Attachments # XXXX "" BBVA XXXX XXXX XXXX letter-password reset '' and # XXXX "" BBVA deposit XX/XX/XXXX withdrawal XX/XX/2016.XXXX-balance '' I also downloaded from "" BBVA '' website Attachment # XXXX "" BBVA Download on XX/XX/2016 '' it shows a XXXX balance. Besides the absence of communication from the bank that results in lack of consumers knowledge of his account it shows contempt towards the customer

Subissue:
 otherwise XXXX XXXX would not wait 14 days to inform me that the bank "" reopened the account '' see Attachment # XXXX "" XX/XX/2016 XXXX XXXX '' instead of letting me worry "" where is my XXXX


Date_received: On XXXX looking at my checking account See Attachments XXXX
Product: XXXX
Consumer_narrative: I do not trust an institution that treats me as dirt
Company: ... continue"
ZIP_code: BBVA Compass
Submitted_via: NY
Date_sent_to_company: 112XX
Company_response: Older American
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/01/2016
Subproduct:
 XXXX XXXX XXXX - my online checking transactions the bank paid on XXXX the XXXX to "" BBVA '' ( page XXXX Attachment # XXXX ) I called the bank and I was asked to prove that the bank cashed my check

Issue:
 See Attachment # XXXX "" Recorded Telephone Conversation on XX/XX/2016 XXXX "". In same conversation I was asked to prove that "" BBVA '' cashed the check

Subissue:
 they actually denied it how can I trust a bank with {$200000.00} that have lousy employees that can not give straight answers for weeks about my account about my check about my account giving contradictory answers about the state of account about cashing the check about having to be resident where there is a BBVA bank. Then after calling him on XX/XX/XXXX a month after my initial contact with BBVA bank ( XX/XX/2016 ) XXXX XXXX nonchalantly tells me that the bank reopened my account. Well

Company_public_response:
 lies to me and behaves very unprofessionally. To top off their incompetents when I protested that I do not want an account with a bank that has too many excuses for creating a annoyance


Date_received: 04/20/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Complaint_ID: Yes
Consumer_narrative:
Once XXXX confirmed that the final account charges of {$110.00} were paid, a debt verification letter was mailed ( XXXX/XXXX/16 ) to RPM LLC ( XXXX XXXX XXXX, XXXX, WA XXXX ). Its XX/XX/XXXX and proper notice has not been received. RPM, is again calling me ( XXXX/XXXX/16 ) with threats to escalate debt. When I asked the phone representative to please notify if a written response was sent, he states a certified letter was mailed XXXX/XXXX/16. Once i asked who signed it, representative became defensive and said " he did n't need to proof himself to me ''. Another call came in XXXX/XXXX/16 at XXXX


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Receivables Performance Management LLC
Issue: NY
Subissue: 104XX
Company_public_response: Consent provided
Company: Web
State: 04/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Company has been unprofessional and rude every time they 've called. My FICO credit score is over XXXX and i would hate for this to affect my credit history."


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NY
ZIP_code: 104XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX several occasions I have contacted Experian Information Solutions, INC in regards to some allege debt that has been reporting on my credit report as derogatory or negative items. I request on many occasion that this credit bureau validate the allege debts but I have never receive any evidence of verified debt from original source. The credit bureau is supposed to request verifiable proof not partially but in whole according to federal law. The law requires the bureau to only report the negative item if they have XXXX percent verifiable proof in regards to the negative item that they are reporting. The credit bureau is supposed to get the original contract along with other documents from the original creditors and within 30 days provide the information to me. Experian is reporting a XXXX account on my credit report that belongs to someone with a similar name. I sent the proof that the account was in someone else name to Experian yet Experian fail to investigation this. I have valid proof that the account belong to someone else. Also Experian is reporting XXXX which is showing incorrect data, XXXX XXXX, and a Bankruptcy as negative items or derogatory items on my credit report. Recently I sent a notarized letter via USPS tracking to Experian to have these negative information investigated. I also sent proof that the XXXX account is not mines, but Experian response by stating that they are not investigating this. The other XXXX credit bureaus have acknowledged that this alleges XXXX account does not belong to me and they have deleted it from my credit report. Experian fail to provide me with require information that these allege debt are XXXX percent accurate, Experian still reports these negative information on my credit report. I was also told I could not dispute the bankruptcy that is listed on my credit report as a negative item.. So if they are sending me these letters how is it that Experian is stating that allege debt has been verified. Also I have received letters from XXXX stating that they ca n't validate the allege debt but this negative item is still being reported on my credit files. Experian needs to provide legitimate validation and fulfil their legal obligation by investigating the disputes. Experian is supposed to exercise their responsibility with fairness, impartiality and respect for all consumers. Experian never state how these allege debt was verified, whether by mail, by email, by fax, or by telephone. Experian is violating the Fair Credit Reporting Act, The Fair Debt Reporting Act, and other federal consumer protection laws. Verifiable proof not partially but in whole is required by federal law, and negative items are only supposed to be reported when you have XXXX percent verifiable proof. Now Experian continue to report negative items on my credit report and fail to provide me with XXXX percent accurate, legitimate validation of allege negatives that they are reporting on my credit.


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 920XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX ( XXXX XXXX XXXX ) started reporting a collection that is outside the 7 year statute of limitations when they acquired it in XX/XX/2015. I have disputed this on a couple of occasions now and have been ignored on my attempts. I have asked the bureaus to contact XXXX through and investigation and demand they provide all the documentation they should have to collect this according to the FDCPA. They have not done so and are illegally reporting this.


Date_received: 05/21/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: NE
ZIP_code: 681XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
An authorized user account was opened with XXXX XXXX under my name without my permission. I requested that XXXX remove me from the account, which they did, but are still reporting the card as belonging to me on Equifax. I disputed this account with Equifax , twice, but XXXX times they have refused to remove it. I have attached the dispute results information from Equifax as documentation.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: WV
Subissue: 263XX
Company_public_response: Consent provided
Company: Web
State: 07/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
If we had been quoted the price of {$150.00} a month we would never have made the purchase because we could n't afford it and we knew that we could n't afford that high of an amount going into the purchase. But we were not quoted that amount, we were quoted {$70.00}. My credit score was right around XXXX going into this purchase and it has since plundered. What are our options?


Date_received: 04/16/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: LoanDepot
State: FL
ZIP_code: 327XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Mortgage abruptly changed to a new Servicer ( from Imortgage to XXXX Mortgage ). My payments are automatically sent every XXXX via my bank. With the late notice, I did not have time to change the payment to the new servicing company. I called the previous company ( Imortgage ) -- to explain and request the payment be transferred to the new Servicer XXXX XXXX XXXX. Problem is Imortgage is no longer taking live calls pertaining to my account. I just get an automated message telling me they are no longer servicing my loan. Then the call disconnects. What can I do? I recently received a statement from the new Servicer XXXX XXXX XXXX telling me that my loan payment is late. When I called them to explain, and complain that they did not give customers enough notice, they did not seem to care. They told me to call Immortgage to 'figure it out '. Well, clearly Imortgage doesn '' t want to be bothered either. The XXXX rep I spoke to claimed to have made notes on my account ... but really not sure about that. Should I call my bank and stop payment? Or do I just wait and hope it gets worked out? I am SO frustrated, and really could use the advice. Thank you!


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Transworld Systems Inc.
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX filed a {$410.00} debt on my report that is not mine. It has been years since I 've had XXXX and when i left they took the full amount out of my account for my remaining balance. this is a mistake and should n't be on my report.


Subproduct: Equifax
Issue: IN
Subissue: 469XX
Company_public_response: Consent provided
Company: Web
State: 05/14/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Moreover, XXXX addresses shown on my report do not belong to me nor ever have, and Equifax refuses to remove them ( XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX ).


Date_received: 04/07/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Element Global Services
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Sounds like I 'm being sued. Calls everyday with same harassing robo message. They neglect to identify who 's calling, therefore I will not answer, especially while I 'm at work. Message is obviously meant to intimidate.


Date_received: 05/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
BEFORE THERE BECAME A BALANCE I ATTEMPTED TO WORK WITH XXXX TO GET THE BALANCE PAID. THEY WERE UNWILLING TO WORK WITH ME. I HAVE EVEN REPORTED THE CUSTOMER SERVICE AND THE HANGING UP ON ME. LONG WAITS ON NUMEROUS SITES AS WELL AS HERE.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Specialized Loan Servicing LLC
Issue: CA
Subissue: 925XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
Please note we submitted a dispute letter along with back up documentation to SLS on XXXX/XXXX/XXXX.


Date_received: 05/13/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: CA
ZIP_code: 928XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
US BANK REFUSED to remove credit card account information from 'Authorized User 's ' credit report which can negatively affected on credit decisions and negatively affecting credit card utilization. Authorized User is NOT ACCOUNT OWNER and not liable for any of subject credit card debt according to US BANK. Account owner requested proof of any documents/electronic signed documents of authorized user 's with social security number but US BANK representative, XXXX ( who refused to provide last name and employee/representative number ) refused to provide.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Revenue Recovery Corporation
State: TN
ZIP_code: 380XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
These are small XXXX XXXX bills that are owed and I never received any billing statements or knew anything about owing these bills ( they are bills from 2 to 4 years ago ). I received a letter from a collections agency requesting that these be paid in full. I called the collections agency and was informed that I am committing an unlawful crime if I do not pay these ASAP. This is not right for them to try scaring me or making suggestions of this kind. I do not appreciate this kind of business tactics.


Date_received: 04/27/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: SunTrust Banks, Inc.
State: FL
ZIP_code: 330XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I initiated a transfer between Suntrust Bank and XXXX XXXX for {$1200.00} and the transfer was never completed. I have visited the local Suntrust Branch and called numerous times to locate the missing transfer initiated on XXXX XXXX, 2016. I have not received the money and Suntrust is very apologetic, but can not locate the missing transfer.


Date_received: I also asked for the name of the debt collector and was told it was XXXX XXXX
Product: but when I searched the number ( XXXX ) XXXX online
Issue: XXXX XXXX XXXX
Complaint_ID: Yes
Subproduct:
 I found the following information : FBCS Consumer Contact Solutions Headquarters XXXX XXXX XXXX XXXX

Subissue:
 PA XXXX XXXX This may have been an understandable communication error or they may be calling on behalf of the debt collector XXXX XXXX


Date_received: As of now
Complaint_ID: Yes
Product:
 my complaint is regarding the phone calls. '' -- On XXXX/XXXX/16 the following response from the Debt Collector was posted : "" FBCS

Subproduct:
 Inc. place account on hold as dispute and ordered documentation to be sent to the consumer as a dispute. '' -- On XXXX/XXXX/16 I responded to their response : "" My complaint is regarding the five phone calls made by the debt collector without leaving voicemails or providing identification


Product: XXXX/XXXX/16
Complaint_ID: Yes
Date_received:
-- On an unknown date on the case the following was posted : "" Response disputed FBCS Consumer Contact Solutions said : Explanation of closure Ordered validation documentation and place account on hold with no more calls. '' As of this date


Complaint_ID: Yes
Date_received:
I called FBCS Consumer Contact Solutions today to confirm ourr mailing address and they were correct. They assured me that FBCS was facilitating payment for XXXX XXXX and that their customer had pulled the collection from them in response to a dispute


Date_received: 05/14/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had a Citi Gold checking account. I cancelled the account. I have credit cards with Citi. Citi will not allow me to link all my credit cards on one page. I called and they stated my bank account is still linked to my credit card accounts despite me calling and Citi saying that my account had just been unlinked. I have spent over an hour and a half just trying to get Citi to link all my credit cards. In the past a representative has stated that he would fix this for me while I was not over the phone but the problem never got fixed. I need Citi to not treat their clients so horribly. I feel the only way I will be taken seriously is by making this complaint or going to small claims court. The calls were on XXXX XXXX, 2016 and XXXX XXXX, 2016.


Subproduct: Wheels Financial Group, LLC
Issue: CA
Subissue: 932XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am asking for your help in getting XXXX800 Loan Mart to remove this account from my credit report like i was promised. I just recently spoke with XXXX who is still at the XXXX XXXX at XXXX XXXX and he recalls the promise vividly as it was made to him during his conversation with XXXX at XXXX800 loanmart. They are stopping me from being to obtain financing and if this continues then I will be forced to sue.


Date_received: 04/04/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: D. SCOTT CARRUTHERS
State: SC
ZIP_code: 297XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
I attempted to return the caller back he claims to work for attorney Scott Carruthers. Name is XXXX XXXX. Once I got a hold of him, he than started asking information about me, which i replied i do n't give out my information. I asked who it was and he hung up than i called back and he explained that he does n't talk to strangers. He keeps contacting family members repeatedly. Also calls me from unknown numbers.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: IL
Subissue: 606XX
Company_public_response: Consent provided
Company: Web
State: 05/21/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The problem started when I overdrew my account in the first place. That was my fault. When I saw that the payment did n't go through, I submitted it again once I determined our account could cover it. I did n't know, however, that BoA policy is to re-run bounced payments. Thus, they ran the original payment through, which was covered, but my second payment now bounced. Knowing now that the bounced check was going to be run through again, I called BoA to stop that. I talked to XXXX who assured me the check would not be run through again. He practically glossed over my problem and started to ask me if I wanted to refinance my mortgage. I told him I wanted more assurance that my check would not be run again before he sold me anything. He assured me in a very unassuring way, so I asked for a case reference number. He said BoA. did n't have reference numbers but that my account would be noted that I had this conversation. I come to find out today that the check said would not be run again has, in fact, been run again, so now my account is overdrawn. BoA mortgage customer service is closed on weekends, so I ca n't to anybody until Monday. It 's Saturday morning now. I take responsibility for the original {$30.00} bounced check but this second one is BoA 's fault because XXXX was wrong about the payment not running through again. I might be on the hook for more fees because I have pending debit that might be overdrawn depending on how quickly BoA credits back my account on the second mortgage payment that XXXX said would be stopped. It was aggravating how he seemed to be more focused on selling me a product instead of providing customer service.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: ERC
Issue: CA
Subissue: 927XX
Company_public_response: Consent provided
Company: Web
State: 05/24/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Enhanced Recovery Corporation has continues to damage financial reputation, negligently support the enablement of identity fraud, and violating the Fair Debt Reporting Act. Why does this deceptive misleading practice continue and why does the Consumer Financial Protection Bureau does not place more research on the abusive debt collection companies.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: GC Services Limited Partnership
State: CA
ZIP_code: 925XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am the mother ( third party ) that pays the debt my daughter owes on her unpaid XXXX. I authorized a payment in the amount of {$200.00} to GC Services LLC on XXXX XXXX 2016 toward my daughter 's debt of {$460.00}. I filed a XXXX complaint against GC Services for their lack of professionalism, customer service, and delays in processing the payment. I spoke withXXXX XXXX, Chief Compliance Officer & Legal Counsel for GC Services on XXXX XXXX 2016 regarding the non-processing of the {$200.00} payment to XXXX. I spoke with XXXX on XXXX XXXX 2016 and was informed the GC Services never processed the payment to XXXX. XXXX XXXX and GC Services staff ( XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX ) all claim the payment was processed in a timely manner. GC Services is upset with my handling of the situation and refuses to process my daughter 's payment. This is a violation of my daughter 's right to have her driver license reinstated. My XXXX complaint was resolved because I believed the payment was processed at the time. After speaking with XXXX, I requested the XXXX reopen my case ( XXXX ). I have attached the following documents : email reopen case XXXX, GC Services response letter ( 1 ), GC Services response letter ( 2 ), initial XXXX complaint.


Date_received: 02/11/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company: Real Time Resolutions
State: CA
ZIP_code: 920XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Realtime Resolutions is reporting a loan that charged off back in XX/XX/XXXX as 120 days late as of XX/XX/XXXX. That is wrong. If it charged off in XX/XX/XXXX how can they continue to report me and my wife late in XX/XX/XXXX? XXXX has already deleted the item but, the other XXXX bureaus are showing invalid data that is destroying our credit scores. Please hold Realtime accountable to the FCRA and make them remove the lates after the account charged off XX/XX/XXXX. We have disputed the account via the credit bureau dispute process, 4 times and they still refuse to fix it.


Date_received: 05/11/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: CO
ZIP_code: 802XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My Wells Fargo checking account, on XXXX separate occasions was incorrectly managed. Each time my balance in the account was about {$50.00} less than it should have been. It appears that purchased was put in pending status, and the amount deducted from my balance. Then about XXXX days later those purchased were deducted again and placed in posted status. Each time I called Wells Fargo and spoke with customer service regarding this error. Each time I was told that that could not have happened ; that the items in question would have to had been credited back to my account and only deducted once. Some of these transactions resulted in overdraft fees having been charged. In short, I am out of about {$250.00} due to Wells Fargo 'bad ' accounting. I am closing the checking account ASAP. Is there a way I can be refunded the {$250.00} dollars. I have no documents to attach since the day the transactions that are deducted twice or placed in pending with a certain date ( and that is the date I use to deduct from my balance in my checkbook ), then those transactions are again placed in 'posted ' XXXX or so days later with another date. So the transactions do n't appear XXXX on the statement, the date are just changed. Exampled : Pending XXXX/XXXX/16 and deducted from balance, then days later Posted with a date of XXXX/XXXX/16. But, the transactions were deducted twice!


Date_received: 06/01/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: CNG Financial Corporation
State: KS
ZIP_code: 660XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The loan has been paid back for several years and I am being contacted illegally at work which is jeopardizing my employment. XXXX XXXX XXXX XXXX


Date_received: 05/08/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Using a debit or ATM card
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Order flowers from a company name XXXX to be delivered to my wife. The picture in their website vs what was delivered was a misrepresentation. Contacted XXXX for a refund per their guarantee and they would not honor it. I then contacted Chase customer service and they said there was nothing that can be done since it was a debit and there was no purchase protection at all on debit purchases.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Escallate, LLC
State: SC
ZIP_code: 297XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Escallate LLC to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 05/11/2016
Product: Credit card
Issue: Customer service / Customer relations
Company: TD Bank US Holding Company
State: VA
ZIP_code: 231XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently have tried to stop or change my auto-payment arrangement with Nordstrom rewards credit card. During the week of XX/XX/XXXX through XXXX I signed onto the Nordstrom website on four occasions and was unable to either drop auto-pay or change the payment amount from the full card amount to a lesser amount. I called three times during that week. On the first call on XXXX XXXX, I was told by the Nordstrom 's rep that the problem was my Safari browser. So I downloaded XXXX and XXXX and was unable to change the auto-pay arrangement. I called back a second time on XXXX XXXX and was told that Nordstrom had a website issue. This time they provided me with a fax number to cancel/change the autopay of XXXX. I faxed the request on XXXX XXXX. On XXXX XXXX or XXXX I checked online and nothing had changed - the autopay was still in place and I was still unable to change the payment amount from the full statement amount to a lesser amount. So I called Nordstrom again and this time they : a ) verified that there was a website issue and b ) took a verbal change to the autopay to a {$1000.00} payment for XXXX XXXX, 2016. THEN, on XXXX XXXX I received a form in the mail sign to stop autopay, and the form lectured me that the easiest way to do this was online. I signed the form and wrote an irate note on the form explaining that the website DID NOT WORK. NOW, yesterday, XX/XX/XXXX I received ANOTHER, DIFFERENT FORM IN THE MAIL, BASICALLY lecturing me again to make changes online and saying that nothing would change until I either made the changes online or mailed in this second different form. NOW I HAVE NO IDEA WHAT IS GOING ON!!!!!!!!! Have they changed the amount I am supposed to pay from the full statement amount to {$1000.00} for XXXX XXXX? Has the autopay been cancelled all together? Am I still going to pay the entire statement amount? WHAT IS GOING ON???????? After three phone calls with different instructions, multiple letters telling me to do different things, and a nonworking website I have no idea. Finally, if no payment is taken out I do not want to be penalized for a late payment because I have repeatedly tried to fix this and pay more than the minimum. Nordstrom card services are treating me horribly.


Date_received: 05/11/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: UT
ZIP_code: 847XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Property sits on unstable ground and has become un-livable due to shifting of foundation. Owner abandoned property as of XX/XX/2013. Owner filed for bankruptcy and Quit claimed the property to US Bank. Currently the property has accumulated unpaid HOA assessments of {$4900.00}. Property is now a blight in the HOA community with no action by mortgage holder.


Date_received: 05/04/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Security National Mortgage
State: TX
ZIP_code: 760XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Applied for Home loan in the early part of XXXX, got pre-approved. Was told to find a house and submit a contract, we were good to go. Found a home and securing contract on XXXX XXXX, so by this time they had all our paperwork for at least six weeks. Had 21 day contingency on Financing, asked the lender on day XXXX if we have loan for sure, We were told yes we were fine, not to back out-it was closing, otherwise we would back out. So then went through and had inspection {$450.00} then {$1000.00} earnest, then appraisal {$520.00}, {$100.00} option money. Then the week of closing she tells us we needed an extension because an FHA form ( which is usually signed by XXXX parties at title ) was not signed by XXXX parties and the end of the month held us up. We had to postponed closing for 1 more week. Then 2 days before the second closing date she still needed a document from the IRS. She told us to repeatedly call the IRS until we found someone who would fax this document which usually has to be ordered, with a XXXX21 day turn around per the IRS. Three days before closing we were denied and out {$2000.00} and hopefully no breach of contract from seller, as of now.


Date_received: 05/18/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: United PanAm Financial Corp.
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
United Auto Credit Corp. is making harassing calls to my job and other persons NOT on my list of persons to contact signed at contract lease.


Date_received: 05/24/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Expert Global Solutions, Inc.
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My recent credit report showed a collection account from XXXX. I reached out to XXXX and filed a complaint and provided evidence that the account was settled in full. XXXX responded and indicated that the cancelled checks payable to XXXX were endorsed by NCO Financial and XXXX was never paid ; hence, the collection. Please see attachments of cancelled checks and correspondence from XXXX.


Date_received: 06/12/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: CA
ZIP_code: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
U.S bank denied to refinance my current loan because they were " Unable to verify residence '' despite providing a XXXX and an approved XXXX. I currently have an FHA loan that originated with my brother who is a Permanent Residence. I ca n't refinance with my brother now due to his poor credit."


Date_received: 05/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I disputed this debt with XXXX and Equifax several times and the bureaus keep this debt on my credit report. I spoke with XXXX XXXX and they verified they have no debt within their system. I am requesting that you investigate XXXX and Equifax that they remove this debt from my credit report and they have not removed it.


Date_received: 05/12/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Consumer_narrative: I signed up at Citibank for their " CitiGold '' account. When I did so
Company_public_response: they promised me XXXX XXXX XXXX miles as a signup bonus. I met all the terms of their deal
Company: including making automatic payments from the account for 2 months
State: and making over {$1000.00} in debit card payments. Six months later
ZIP_code: after repeatedly telling me that they would post the airline miles to my account
Submitted_via: they changed their mind and told me they had no intention of honoring the deal they had signed
Timely_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_disputed: Citibank
Complaint_ID: TX
Date_sent_to_company:
 and that nothing could be done to obtain any resolution. Citibank charges an extraordinary $ XXXX/month fee for this account

Company_response:
 and the account is only worth it based on the deal that they offered. Failing to meet the terms of the deal is simply theft on the part of Citibank."


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Financial Credit Service, Inc.
State: WA
ZIP_code: 983XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a call today stating that I had paperwork filed against me about a case and I needed to return the call right away. I returned the call and was told it was for a {$400.00} loan that I got in 2011. I told the lady that I do not remember receiving a loan 5 years ago and she immediately became defensive saying that just because I do n't remember it does n't mean that I do n't have to pay for it. I then asked her why I had n't received anything in the past 5 years asking for me to repay this and she said that they had called, emailed and mailed me about this loan and I said that I have n't received anything and she told me that I most certainly had. I then asked her if I returned the 1 phone call to them today, why would n't I have acknowledged this supposed loan and responded to calls and whatnot before now and she just kept on going about how I had to pay this, they were suing me and there would be {$3100.00} in lawyer fees, {$2500.00} in their fees plus the {$700.00} and some odd dollars that I originally owed. I asked her to send me a validation of debt letter and she said it was way too late for that and her company does not send those types of letters. She then became rude and talking over me, so I called her a XXXX next Tuesday and hung up. I then called back to try and talk to someone else but got the same lady again. We tried to talk again and again she became rude, so she got some pretty colorful words from me and hung up. I called back again and asked the woman who answered the phone what the name of her company was and the address, she stuttered around for a minute and finally told me that the company name was ARA. I said ok, what is your address? She would n't answer me and finally told me that she would have to transfer me to the correct department. She transferred me, straight back to the same original lady, I asked for their address, she gave me XXXX XXXX XXXX XXXX, VA XXXX. I said thank you, I know you know who this is and I 'm asking you to send me a letter of validation about this supposed debt that I owe and she refused to send it again, saying it was way too late for that and she had already explained that to me. I was going to send them a letter asking for the validation of debt letter, but I have a sneaking suspicion that this is a fake address that she has given me to contact them.


Date_received: 05/21/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Equifax was advised on XXXX, this information that this account was in XXXX, and then again advised regarding the matter that this account is unsecured and is not backed by a student loan or government entity of any kind. University XXXX Louisiana XXXX shows a debt for XXXX, this is a unsecured debt and i have provided several times the document showing that the account should state closed and discharged BK as of XXXX The account is no longer a debt.


Date_received: 05/19/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company: First Data Corporation
State: ID
ZIP_code: 837XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I wanted to pay my XXXX XXXX online and I entered my bank info, and received a message that Telecheck could not process my payment I called the number for Telecheck and there is no option or agent to talk to so I can find out why my bank account info will not go through.


Date_received: 04/12/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: CA
ZIP_code: 926XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My lender Wells Fargo has set a slae date for XXXX/XXXX/2016 while asking me to provide additional information for their review of my modification.. I 'm told this is dual tracking.. They have put me under increadible stress forcing me to take legal action. I have repeatedly asked that the sale be postponed until we can provide the necessary documents requested, for review of a modification ... The loan on my home is a neg am loan and i have for over a year been trying to get this toxic loan modified ... Please help


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Great Lakes
State: OH
ZIP_code: 443XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was on a 30 minute phone call with my wife during my lunch hour and during that phone call I received 7 calls from Great Lakes ( calling from XXXX ). While typing this just received call number XXXX.


Date_received: 03/30/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: we identified that a request for a promissory note was submitted to our client
Company: United Student Aid Funds
Submitted_via: United Student Aid (USA) Funds
Date_sent_to_company: IL
Company_response: 620XX
Timely_response: Servicemember
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I received a letter from XXXX attempting to collect a debt. I replied with a letter on XXXX XXXX with USPS tracking # XXXX XXXX XXXX XXXX XXXX. Their response on XXXX XXXX, 2016 was that they provided me with the documents that validates the account. How can a Statement of Purchased Account print out sheet be a validation of account. So I filed a complaint with the bbb regarding this matter. I also stated in that complaint that I wanted XXXX to provide me authentic document, contract, loan, or XXXX note that states I have agreed to any terms or conditions or that I have done any business with. Their second response was " Concerns were raised that XXXX did not provide a promissory note to a request for validation. Please accept our apologies for the inconvenience experienced in respect to our collection activity. Upon thorough review

State:
 XXXX Will forward the request validation to the address on file. '' This company should n't have a problem providing that information upon request it is the LAW. It also raises suspicions about their involvement and their hesitation to do so. I will not pay XXXX just because he says so."


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NJ
ZIP_code: 088XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX bill was paid in full as of XXXX XXXX, 2015, therefore it was not a collection account ending the month of XXXX as Experian is reporting. I have proof of the payment attached. Experian has not supplied me with full payment history and how they verified payments on the account as FCRA 611.


Date_received: 05/21/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: NE
ZIP_code: 681XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX XXXX has repeatedly reported erroneous information to Equifax about the date of credit card closure and credit limit. However, upon disputing the information with Equifax on different occasions, I have gotten multiple different answers. Different information about the dates of account closure and amount of the credit limit have been reported to the XXXX major credit bureau 's, and it is unlikely the correct information exists at this point. Therefore, I ask that Equifax remove the closed XXXX credit card account from my credit file immediately.


Date_received: 05/24/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: after it was charged off by the original creditor
ZIP_code: Encore Capital Group
Submitted_via: CA
Date_sent_to_company: 953XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/24/2016
Consumer_narrative:
I learned that a default judgment, awarded to Midland Funding, and the recent garnishment of my wages, was based on a time barred debt beyond the statute of limitations through a frivolous lawsuit conducted by their attorneys at XXXX XXXX XXXX. Midland Funding and their attorneys were fully aware the debt was beyond the statute of limitations when they manipulated my credit report, by use of " parking '' or re-aging the debt

Company:
 to circumvent the statute of limitations on a time barred debt. It was n't until I read the Consent Order dated XXXX 2015 by the CFPB that this was a violation of the FCRA and FDCPA for gross misrepresentation."


Date_received: 05/16/2016
Product: Mortgage
Subproduct: Reverse mortgage
Issue: Credit decision / Underwriting
Company: Reverse Mortgage Solutions
State: VA
ZIP_code: 201XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my sister 's house was foreclosed over {$3800.00} taxes she did n't pay in XX/XX/XXXX the mortgage company she was doing business with reverse Mortgage solution put a clause in saying she was responsible for pay taxes she paid XX/XX/XXXX up to XX/XX/XXXX and then reverse mortgage paid XX/XX/XXXX and XX/XX/XXXX XXXX or reverse mortgage solution office paid they gave one month notice the house was been auction a buyer came in put down {$20000.00} deposit we spoke to the buyer he agreed not to buy the house he just wanted his {$20000.00} deposit back reverse mortgage Solutions refused he was forced to settle or he will lose his {$20000.00} and my sisters court XXXX XXXX the judge will tell her to move out after 30 years she lived here she is retired XXXX years old she got her settlement papers so it 's hard to do any contact with the mortgage company XXXX XXXX way and they refused to give her any information is very difficult to work with we had we had a lawyer working on it too and he could n't get any information from the mortgage company order XXXX XXXX himself a rip-off


Date_received: 05/11/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CO
ZIP_code: 800XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 I opened a XXXX checking account with an offer stating I would receive XXXX Thank You points ( worth approx. {$400.00} ) after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX Thank You points to be deposited into my account by XXXX XXXX. Now, after confirming this promotion was applied to my account, confirming that I had met the requirements, and confirming that the points would be deposited by XXXX XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify and that I an offer bonus code was never attached to my account. Now I will not be getting {$400.00} worth of Thank You points. I 'm not alone. Hundreds of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.


Subproduct: Equifax
Issue: LA
Subissue: 705XX
Company_public_response: Consent provided
Company: Web
State: 05/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Alert ( s ) File Blocked For Promotional Purposes Fraud Alert File Blocked For Promotional Purposes File Blocked for Promotional Purposes Expiration Date : XXXX/XXXX/XXXX Date Reported : XXXX/XXXX/XXXX Address : Phone : Phone : Phone : Comments :


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently pulled my credit report from Experian, XXXX and XXXX and noticed this account was listed on each of my reports as a collection/chargeoff. I immediately disputed this information with Experian, XXXX and XXXX and the results of the investigation came back as " verified ''. I did not have an account with XXXX XXXX during this time period. XXXX XXXX is incorrectly reporting this debt and has ignored a demand letter under FCRA regulations. They continue reporting this account as negative on my credit report and therefore makes it impossible for me to establish new lines of credit and also tarnishes my name. I will also be filing complaints with the Attorney General of my state and pursue full legal action under FCRA regulations and defamation of character unless this debt is immediately removed from my report."


Date_received: 03/23/2016
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Alorica Inc.
State: FL
ZIP_code: 328XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/25/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: No
Consumer_narrative:
I received a debt collection notice from XXXX XXXX from XXXX florida XXXX hospital. I sent a letter to validate the debt and did not hear back for XXXX I received another notice from global receivable solutions claiming to represent XXXX. Stating I now owed XXXX for the same debt. I sent a debt verification letter ( which I never heard back from ) and I immediately went online and made a payment. ( I have an XXXX credit score and do not want it damaged ) I went in a month later to their web site to make a payment and the balance report was XXXX. on XX/XX/2016 I had a credit alert place on my experian report from global receivable solutions for XXXX dollars. I have received no information as to what is owed nor have they responded to my request for debt validation.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company: Encore Capital Group
State: FL
ZIP_code: 342XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX HAS A AMOUNT ON MY CREDIT REPORT THAT DATES BACK TO 2008 -- BY LAW SHOULD OF BEEN REMOVED AFTER 7YRS. WHY IS IT STILL ON MY C/R?? -- XXXX SOLD MY ACCT. TO MID-LAND CREDIT -- -MID-LAND CREDIT DELETED MY ACCT. WHY IS THIS ON MY CREDIT REPORT?


Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX A XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE which are causing me financial distress because of their derogatory information. Appropriately, I can show a judge at XXXX XXXX that these accounts are inaccurate and that you violated the Fair Credit Reporting Act by ignoring my requests to investigate the items correctly. My previous letters stated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, how it was done with who with contacts actions I will file a civil suit in XXXX XXXX Against Transunion for damages. I take my credit very seriously and your lack of proficiency and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. It appears obvious to me that you are abusing your power under the FCRA to escape a complete investigation. I standby the right to sue your credit bureau for violations of the FCRA and I believe I can prove to full extent, that you did not use reasonable measures to insure the accuracy of my credit reports and now you are stalling the process further. I am irritated at your indictment and I have consulted with the court my rights in regards to my credit file. I look forward to your expediting my original request immediately. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. This is NOT a request for " legalization '' via XXXX or evidence of my mailing address XXXX

Product:
 but a demand for AUTHENTICATION made pursuant to my Precise name Date of Birth Social Security Number and correct address. accordance with section of the Fair Debt Collection Practices Act. Or I request this be Deleted with immediate effect. I am also requesting the names

Subproduct:
 addresses and telephone numbers of individuals contacted or going to be contacted during this time with my signature. Absent such proof

Issue:
 you must correct any erroneous reports of these as mine. Please evidence your endorsement under XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX in this alleged matter. What is your authorization of law for your gathering of information? What is your authorization of law for your collection of this supposed debt? Please evidence proof of the alleged debt


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Encore Capital Group
State: FL
ZIP_code: 342XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for a credit repair credit card after reading an ad on XXXX in an attempt to improve my credit score. XXXX XXXX Bank sent a card 2 years ago and after reading the contract I did not agree with the terms cut the card in half and sent it back. XXXX said I owe them XXXX in fees and sent their bill to the XXXX credit reporting companies in an attempt to collect a debt not owed and additionally sent it to collections with Midland Collections which in fact it is the same company owned by XXXX XXXX Bank. Now XXXX intities are reporting to the XXXX credit bureaus. I did not use the card and returned it therefore feel this should be corrected.


Product: Company believes the complaint is the result of a misunderstanding
Subproduct: Stonegate Mortgage Corporation
Issue: GA
Subissue: 300XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have just received my XXXX 2016 statement. This correction has not been made. The principal has not been reduced and the interest charged can not be correct if they calculate my interest expense from an incorrect principal.. This recent statement shows that I owe two payments..


Date_received: 05/11/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Other transaction issues
Company: PayPal Holdings, Inc.
State: CA
ZIP_code: 900XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ebay incorrectly thought there was " unauthorized use of "" my '' account '' They wanted me to change all private information. They said they were going to remove all listing ( attached ) .some items were already sold and paid for. I called and told them there was not a problem. do not delist items. The next day I relisted items. They delisted those new items as well. The end result was that Ebay asked payPa for Money Matching the items sold. Paypal Gave them the money. They said they had to and neither company wants to refund money.l"


Date_received: 05/22/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX is reporting a collection account on XXXX XXXX, 2016 on my equifax credit report this account does not belong to me it is fraudulent someone has been using identity for the past 10 months and I have been a victim of identity theft


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Select Portfolio Servicing, Inc
State: CA
ZIP_code: 914XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went to XXXX seeking help to modify the interest on my home loan. When we ( wife and I ) signed the documents, with Select Portfolio Servicing who were with with XXXX, we were not aware of the final balloon payment on the interest bearing principal balance added to my mortgage. I was never given a copy of this agreement. I became aware of this recently when I asked the homeownership counselor what my final payoff will be, the told me about this new balance on my mortgage. I feel that fraud and misleading information has taken place. This organization was not upfront nor honest with me.


Date_received: 05/09/2016
Product: Prepaid card
Subproduct: Gift or merchant card
Issue: Unauthorized transactions/trans. issues
State: PayPal Holdings, Inc.
ZIP_code: OH
Submitted_via: 430XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/11/2016
Complaint_ID: Closed with non-monetary relief
Consumer_narrative:
I fully used an eBay gift card of about {$500.00} to make a number of purchases on eBay at the start of XXXX. As the balance was completely used I discarded the original gift card with the gift card number and I did n't keep a record of the gift card number. The seller of XXXX items did n't ship the item and then processed a refund back to PayPal for {$17.00}. PayPal then immediately debited the refund from my PayPal account and credited it to " eBay Gift Card Services ''. After three hours on the phone with several different PayPal and eBay agents neither of the businesses are able to help me understand how I can get the original gift card number back again to use the refund. In the guise of setting up XXXX way calls between me

Company_public_response:
 eBay and PayPal I was transferred from PayPal to eBay and vise versa 3 times with the initiating agents then dropping off the line so that I needed to verify my identity and start over again and again explaining the issue to both PayPal and to eBay."


Date_received: 03/25/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company_public_response: and while I can make payments
Company: it is not an active collection. Upon disputing the credit line on my credit files
State: XXXX states otherwise and continues to post a much larger balance."
ZIP_code: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Submitted_via: Javitch, Block & Rathbone LLC
Date_sent_to_company: OH
Company_response: 430XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
XXXX hired a third party debt collector for my defaulted debt. The debt collector is XXXX. XXXX is out of my state where I borrowed, so they have farmed it to a network debt collector called Javitch Block. I have worked with Javitch Block for 5 years to repay the debt I defaulted on under the pretenses that there was no interest, and the current debt balance is in the area of {$8000.00}. After not receiving paperwork from the creditor nor Javitch Block for some time, I inquired in XXXX 2015, which ended up in having to go to the XXXX for assistance after many refusals to assist me in getting this information. To date, and after many emails, many letters, certified mail requests, I have not had the debt verified by Javitch Block. This includes their right to collect from me, whom they are an agent for, balance, interest, and other pertinent information I am due under fair debt collection rights. Additionally, not only has the company not verified the balance of this account, but by misrepresenting the balance and interest rate over the phone, they have misplaced nearly {$6000.00} of the debt as the creditor states that money went to interest. I am not in a position where I have paid {$12000.00} and only received half of the credit due to dishonesty. Furthermore, the debt collector, who states they are an agent for XXXX refuses to honor the settlement agreement address in XX/XX/XXXX by XXXX themselves. I have not received a written confirmation that after misleading me for 5 years, that Javitch Block intends to accept a lesser payment on behalf of their client without suing me for failing to meet our initial payment plan. I also have been told by Javitch Block in recording calls that the collection account is in a " holding '' position


Date_received: 05/13/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: CA
ZIP_code: 945XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had my mother deposit a check in to my US bank account and pay a bill for me because I was out of town and it was time sensitive, well she got the XXXX checks switched by accident and I noticed it and called the bank two days later and explained to the girl and she understood and even said it happens I explained I was going to go and deposit the amount and she said not to worry. This was on XXXX XXXX 2016 on XXXX XXXX 2016 I went to check the balance on my account on the phone and it did n't recognize my pin number, so again I talked to customer service and the girl said that there could be a glitch and call the main branch but never did she say that there was an issue with my account. Now on XXXX XXXX I went to pay my electric bill and my card was declined well after contacting US Bank I was informed that my account was on hold for fraud because of the incident that happened. After talking with the fraud department I was told that it was put on hold to be cancelled I asked why was I never alerted because the bank sends me messages for everything else I was told that they do not notify people only by letter and Ill get that in ten days, well still no letter. Also I have a direct deposit that was suppose to post on XX/XX/XXXX that is sitting in limbo and was told they will deduct the negative amount on Tuesday XX/XX/XXXX and send me a cahiers check with the remaining balance that will take 7 to 10 business days if it takes the full amount that will fall on Monday XX/XX/XXXX which is a holiday and I will be without money till XX/XX/XXXX because that 's when I get paid again


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Medical
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Portfolio Recovery Associates, Inc.
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I requested Portfolio Recovery Associations LLC to stop calling my home several years go but the company never stopped. The alleged debt is a medical bill over 6-8 years old past the statue of limitations. The company is data mining old debt and harassing families for a profit. The allege debt by XXXX XXXX XXXX XXXX sold the debt to Portfolio for penny 's on the dime and the debt is beyond the state of Florida statue of limitations.


Date_received: 04/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: open garage
ZIP_code: my son
Submitted_via: and I am sick and have been missing time from work with the XXXX. On XXXX XXXX
Timely_response: Bayview Loan Servicing, LLC
Consumer_disputed: MD
Complaint_ID: 206XX
Consumer_narrative:
My loan has been sold numerous times from XXXX XXXX XXXX XX/XX/XXXX to XXXX, to XXXX, to XXXX, to Bayview Loan Servicing. I am not sure who owns my property now as I can not get anyone ( XXXX XXXX, my servicer from Bayview ) to return my calls or send me a loan modification package. After working with XXXX in XX/XX/XXXX for nearly a year to get an approved loan modification, I was approved only for XXXX to tell me that a new servicer would need to modify my mortgage. Then a month later, it was resold again to yet another servicer Bayview. Bayview has been sending property inspectors or field servicers to my home harassing me and my tenants as well as my neighbors. These inspectors beep there horns in the middle of the street, pace my home at all hours of the day and night, pull into my driveway, get out of their cars with my minor son standing outside and my XXXX barking- ready to bite. Specifically, they were here on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and most recently Sunday XXXX XXXX at XXXX. The woman drives a XXXX Jetta and is XXXX and brings her family members onto my property. On XXXX XXXX this woman pulled into my driveway with my XXXX son standing there and the dogs barking. Both her and her son walk around my house, walk on my porch, taking pictures, even looking in the windows. My son called me and I told this woman and her young son NOT to enter my property, that I am not moving and that she is trespassing. She says " I am from the mortgage company '' and she refuses to show ID and she continues to enter my front porch

Company:
 and looks into my windows taking pictures while we are home!!! I told her to take her pictures from the street which shows the home clearly visible and occupied. Her XXXX son said there are no trespassing signs and he can enter my property anytime. I told the son and XXXX mother I do not need any signs and not to enter my property again. On XXXX XXXX I sent a facsimile to the servicer

State:
 Bayview telling them that this is harassment and the inspector is trespassing and may get bite by my dogs. I told them to cease allowing their inspector or contractor from illegal collection actions. My tenants are upset

Date_sent_to_company:
 my son pulled into the driveway to find this same woman in the Jetta on my porch peaking in my windows. The dogs were barking and this woman did n't care. My son told her I was n't home and she should leave because he is only XXXX. The inspector had a young woman and baby with her in her car. Then my tenant pulled into the driveway and asked if he could help them. The young woman in the car yelled obscenities out of the car window and they drove off really fast! I am seeking your help and requesting damages as this type of practice is unacceptable. I am again sending the mortgage company notification to STOP allowing inspectors to enter my property. Any help you can provide would be greatly appreciated."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Allied Interstate LLC
Issue: CO
Subissue: 802XX
Company_public_response: Consent provided
Company: Web
State: 05/16/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The current firm has called me and now sent me a letter which I have attached. I am tired of playing this game with these folks.


Date_received: 05/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: FL
ZIP_code: 338XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax is listing a XXXX debt which I do not owe XXXX, I have sent a dispute to Equifax and they stated they verified so I took it upon myself to contact XXXX which XXXX confirmed I do not owe them ANYTHING. This is wrong information listed. Please help as Equifax is doing nothing about this issue. It is a XXXX account XXXX I want this removed, There is also a public record listed from a XXXX XXXX which is also inaccurate and nothing happened when I disputed I also want removed


Date_received: 05/14/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 951XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase keeps denying the use of my debit card and gives wierd reasons on how this is to secure my account. It 's been more than XXXX times in the past 2 wekss I had my money locked in my account.


Date_received: As of XXXX XXXX 2016
Issue: TD Bank US Holding Company
Subissue: DC
Consumer_narrative: 200XX
Company: Consent provided
State: Web
ZIP_code: 06/11/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 TD representatives have still not completed my file due to their lack of professionalism and continually ignore emails from me."


Date_received: 04/14/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: EOS Holdings, Inc.
State: TX
ZIP_code: 752XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They will not give me any information about who they are. They ask to speak to me but will not identify themselves. I am hesitant to give them my personal information without verification of their identity. They call me numerous times every single day.


Date_received: 05/24/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company: Equifax
State: NY
ZIP_code: 110XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I do not have social security number, and I tried to get my credit report ( both annual free credit report or paid credit report ), however, I only got my credit report from XXXX. However, XXXX and Equifax refused to provide me my credit report, for the reason that I am not US citizen and I do not have social security number as an XXXX ( not entitled to a social security number unless have an employment authorized by XXXX ).


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: NV
ZIP_code: 894XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
My loan was sold to Ocwen Loan Mortgage Servicing. When I fell behind in my payments, I told that I did n't qualify for XXXX and yet I am now more upside-down than I was before they refinanced my loan. Now I owe about $ XXXX more than it 's value and there is a balloon payment so I will never get out of the loan. I tried to give it back to them and rented another home for two years- they let it sit, knowing it was empty and the pipes froze and when I did return, there were XXXX or XXXX leaks in the pipes and walls/ceiling to fix. Now they call and tell me that the call is NOT an attempt to collect a debt as it was included in my BK in 2011, but I do n't know how to get out of the loan and move on. The house is falling apart with holes in the ceiling and walls from the pipes bursting. When I ask them about the disclaimer, they say that they can not hold me accountable for the loan due to my BK- so can I walk away? Last time I tried, they left it in my name so I was on the deed, liable for all XXXX charges of sewer and trash, and XXXX taxes. Help, what can I do to get out of this situation? Also, now I have had XXXX separate instances where a call coming from their number is a person trying to get me to send several hundred dollars for 'fees ' XXXX in Florida- they threaten me and they berate me and yet when I originate a call to them, they say that there is no record of this person or the contact telling me to update my taxes, and impounds and to send money to their lawyers. I feel threatened and antagonized by them. So can I walk away and if so, how do I get the liability for this property out of my name? Am I just renting??


Subproduct: PHH Mortgage
Issue: OH
Subissue: 430XX
Company_public_response: Consent provided
Company: Web
State: 04/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
As mentioned above, the Law Office kept telling me to wait till I received a letter from them. I informed them I was trying to pay and still received same response. I received an email at XXXX on XXXX/XXXX/XXXX stating what I owed ( this amount with wording used was ambiguous at best ). They have included in the amount owed almost {$3000.00} in foreclosure fees. The letter was dated XXXX/XXXX/XXXX and gave me XXXX that same day to remit total payment addressed in that letter along with any additional monies that may be owed as I was directed to call attorney office for solid amount owed. This is unacceptable. It appears that they have employed delay tactics in order to charge me the foreclosure and attorney fees. I want to bring my mortgage current but feel it is not right having to pay the foreclosure and or attorney fees since I have been trying for 6 plus weeks to pay this current and have received the run around and conflicting information from PHH and the attorney firm they hired. Please help.


Date_received: 03/25/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Company: AES/PHEAA
State: FL
ZIP_code: 334XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/25/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have been trying to work with AES since XX/XX/XXXX ( as soon as I found out this loan was in repayment ) to reduce my monthly loan payment in order for me to get caught up. At the time, I was in between jobs and moving back in with my mother to try and get ahead. I had explained this to AES several times and submitted all documentation for a deferment 4 different times between XX/XX/XXXX and XX/XX/XXXX. Every time I would submit required documentation they would say that their processing department was behind and that I should call back in a week to check the status. Then, when I would call back, the person on the phone would tell me too much time has passed and that I would need to submit a new deferment request. During this time, my late fees and balance were continuing to grow. Now, XX/XX/XXXX, I am still calling to try and make small payments to get caught up and they refuse to work with me. Every person I speak to on the phone is extremely rude and will not help me in resolving this matter at all. It has completely ruined my credit at this point, and I do not know what else to do.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: PA
Subissue: 186XX
Company_public_response: Consent provided
Company: Web
State: 04/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Predatory Loan with Countrywide/Now Bank Of America Loan Number # XXXX To Whom It May Concern, Hello my name is XXXX XXXX I 'm a XXXX XXXX XXXX man, married for 17 years with XXXX children and a grandchild. Here is my story, I 'm seeking help from anyone that can help me live my life again since countrywide stole it from me in XXXX. I came to XXXX to live a life of hard work and honesty! XXXX Blessed me to find a wife to share my life with 22 years ago and I work hard daily to make her dream come a reality. In XXXX my wife wanted to move to XXXX so Our XXXX children could get away from the crime and gang activities that was in the XXXX. Having XXXX girl and XXXX boys we did n't want to lose them to the streets. We found a builder and what we believe to be a good lender. I was advised I must get a construction loan that would convert to a regular loan once the home was built. I brought my land for {$39000.00} cash, so countrywide said I could use that for down payment. So my down payment was {$39000.00}. After the construction was finish it was time to convert the loan. Countrywide rep call me and stated to me that due to high interest rate our payments would be a little more than {$3000.00} a month which was a shocker to us especially being that we made no payment during the construction process! I was told we would n't have high payment because we put so much down. Then the rep then went on to explain, if I take an interest only loan and wait for a few months that I can refinance the house because of the market it would go up and I can get a lower payment with both interest and principal. This was the first time I ever brought a house I did n't know what was right from wrong. So I closed on the house. A few months later I call countrywide to refinance like I was told. They sent out an appraiser, he said he love the house but whoever I got to appraise the house the first time for the loan to get their company to do it again. He went on to say that our house was not worth {$400000.00} and there was no house in the neighborhood that was. He appraised the house for {$320000.00}. Which was a shocker due to the fact the housing market crash did n't happen as of yet and we was already upside down with our mortgage. We ask countrywide for an explanations and they said they would get back to me, but that never happen and then all our nightmares began. When President XXXX started the help for home owner, I applied and was told that I made too much money. Then the stock market fell and all XXXX broke loose. My job cut my hours, I try to apply for help again and was told I did n't make enough. What! Wait you still do n't want to help us! I was able to get a modification then after a while the rate went up and started to increase our payments slightly but in XXXX XXXX, XXXX my youngest son went to the hospital and was told he had a XXXX but a day later he started to turn for the worst and my wife took him back to the hospital just to find out he had XXXX XXXX and had to be flow to a children hospital and stay in the hospital over a week. He was out of school until XXXX XXXX and still is recovering from the side effects. And due to my son getting sick we lost half of our income because my wife had to stay home with him. I applied for assistant with BOA again and first we was denied but I received a letter from BOA stating that some people with loan from countrywide would get a principal reduction we were so excited about this. Then BOA rapidly gave us help and lower our payment {$300.00}. That was n't much but it took the money we owed due to my wife not working and my son being sick to be put on the back of the l


Date_received: 04/26/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: WI
ZIP_code: 531XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been making automatic direct payments to America 's Servicing Company for over eight years and recently discovered they 're not reporting my payments to the credit bureaus.


Date_received: 05/08/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Encore Capital Group
State: AZ
ZIP_code: 850XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was informed from my employer that a garnishment has been placed on my income. I then called Midland funding about the garnishment. They stated that they had sent me numerous letters to which I never received and that they had also served me with legal documents back in 2014. I stated to them that I never received any legal documents regarding their debt. They stated to me that the paperwork was not given to me directly that it was just given to whomever answered the door. I have n't a clue who could have been handed this personal, private information filled legal document as I was not staying at the address they had mentioned at that present time. So I was never able to dispute this debt that they are claiming that I owed to them. When asking who the original debtor was they stated that it was from a credit card company that I have not been a member of for the past XXXX years which means even by 2014 the original creditors debt should have dropped off or charged off. I am now facing Financial hardships due to their lack of business ethics.


Date_received: 05/17/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: Citizens Financial Group, Inc.
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 'm having a problem with Citizens Bank and my account again.They have debited my account for {$64.00} for a XXXX overdraft. I had enough money in the account to cover the items and I also credited the account {$1.00}. When I called the XXXX # the bank representative told me to read my account brochure and hung up on me. Please help me -- this bank will take all the money I have out of my account and I have bills to pay.


Date_received: 04/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company_public_response: it was suppose to close 7 days later. This was XX/XX/2016
State: did bank fees cause this? More fraudulent charges? They ca n't tell me why
ZIP_code: they are '' looking into it ''. To add insult to injury
Company_response: do not bank with this company!!!!!! There are so many banks out there
Timely_response: I am sure I can find one that is willing to protect their customers."
Complaint_ID: Citizens Financial Group, Inc.
Consumer_narrative:
I found fraudulent charges on my checking account twice, citizens bank did not catch these transactions. After filing the paperwork to have them investigate these charges and opening a new bank account with citizens bank they placed the compromised account in " credit only '' status and the account had a XXXX balance

Company:
 today is XX/XX/2016 and citizens bank informed me I owe them {$140.00} that has since been withdrawn/overdrawn. How did this happen? If it was at XXXX dollars

Submitted_via:
 I received a new debit card with the chip in the mail which I called to activate because it would n't work at an ATM. Customer service assured me that they activated the card. So I go grocery shopping and go to pay and the "" transaction is not approved ''. I could n't use the new debit card as a credit or debit card. After 1.5 hours on the phone with XXXX different customer service representatives they believed I would not have any more problems. However this debit card was issued for the compromised bank account I thought I closed over two months ago. Needless to say the PIN number did not match and now they have to send me a pin reminder. Apparently today after another 45 minutes speaking with customer service that is what the problem is. I do n't believe any of them. And citizens bank is still claiming I owe them {$140.00} in order to close the other bank account. Is n't a bank suppose to protect your money and help their customers? I feel like between the XXXX branch that originally "" closed '' my compromised account and card services that issued me a new debit card for an inactive

Date_sent_to_company:
 compromised and closed account what are they doing??? I do n't make a lot of money and yet they keep taking more and XXXX me!!! I have lost all faith in this institution and ca n't wait until the last couple of bills I paid clear so I can CLOSE my account and get out of there. I wonder how much money they take from people that are n't paying attention. These people are crooks and this is a crime! Citizens bank is awful


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: FL
Subissue: 330XX
Company_public_response: Consent provided
Company: Web
State: 04/12/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Citizens Financial Group, Inc.
Date_received:
There area huge number of unauthorized inquiries from XXXX/XXXX/16 that need to be deleted from my report.


Date_received: 05/11/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Caliber Home Loans, Inc
State: NJ
ZIP_code: 088XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The response to my last complaint on cfpb was sent. by XXXX, to my home. Included were copies of my past interactions with them, as well as XXXX other peoples information! Caliber account numbers, names and addresses. It makes me wonder why has MY information in their hands. I can not believe that XXXX is so lax with the handling of peoples lives.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Specialized Loan Servicing LLC
State: CA
ZIP_code: 954XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX of XXXX complaints regarding same company. ( SLS recently purchased XXXX of our mortgages. ) Several of our mortgages have been purchased by SLS, XXXX XXXX, CO. We are paying down our loans by paying extra towards principal. The company is not applying extra payment towards principal even though I have specifically requested this. ( The company says the payment center tends to " overlook '' these requests. ) They are instead applying the extra money to future interest and principal. They have told me I must send any extra payment to principal to a different address ( make a separate payment ) and that this separate payment will not be noted on my monthly statement. The only solution to this dilemma they offered was to allow them access to our bank accounts and take out the money themselves. We refuse to give that control to this company!"


Date_received: 04/27/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: CA
ZIP_code: 923XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) XXXX is reporting a collection for XXXX XXXX XXXX. There has been no attempt to validate this debt, therefore it should not be reported.


Date_received: 04/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a dispute with chef systems for an nsf check dated XXXX XXXX XXXX. My ssn is XXXX do XXXX XXXX XXXX. It 's in the amount of XXXX from alliance bank. I have never had an account through then and I want proof of this check and who it was made out too. That 's part of the verification of debt. I want a copy of this check and something with my signature agreeing to pay any fees associated with this company


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Company: Portfolio Recovery Associates, Inc.
State: MI
ZIP_code: 480XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Portfolio Recovery called me on XXXX. I requested they do not contact me. I submitted something in writing requesting this. I received another call on XXXX and today XXXX, again reiterating that I have requested them to cease and desist contact with me.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Portfolio Recovery Associates, Inc.
State: TX
ZIP_code: 787XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I settled with the lawyers on a past credit card debt and received a notice that debt has been settled. I am now being sued again for the same account that I settled on by the same lawyers.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: NJ
Subissue: 070XX
Company_public_response: Consent provided
Company: Web
State: 05/22/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I 'm writing this letter asking the banking committee to investigate this matter and put an end to this ridiculous practice.


Date_received: 05/24/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: WA
ZIP_code: 988XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
i have a on my account a credit card account that was part of my bankruptcy and it should have gone a way but its is still reporting and it is reported as closed the card is XXXX the last time it has reported XXXX XXXX so it goes buy this when it should have been gone XXXX XXXX XXXX


Date_received: 05/24/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Portfolio Recovery Associates, Inc.
State: OH
ZIP_code: 436XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Portfolio recovery services reported an account to the collection bureaus ( XXXX, XXXX and XXXX ) which has cause negative/adverse action in regards to my credit file. The company never validated the debt in accordance to the fair debt collection practices act as I requested. The company reported this debt without notifying me or validating it. I called the company and the company claim they mailed a letter out in which I never received from them. FDCPA 1692g requires and states that Bill collectors are to validate debts before continuing collection efforts according to section G of the FDCPA. This company has yet to do so and have yet reported this account to the credit bureaus.


Subproduct: Ocwen
Issue: NC
Subissue: 280XX
Company_public_response: Consent provided
Company: Web
State: 05/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
If XXXX XXXX is not in possession of the note, it is impossible for them to be the holder of the note. Furthermore, as shown on the attached payment reconciliation XXXX XXXX received a disbursement from XXXX XXXX XXXX , XXXX paying off any amounts owed to XXXX XXXX. Once Homeward applied the payment to the account, they later reported to the credit bureaus that the account balance was XXXX. Ocwen later came back and changed the information reported on my credit report after I questioned why they were attempting to collect on an account that had a XXXX balance.It is apparent based on Ocwen 's records containing the Trailing Documents to its customer XXXX that the loan was sold and XXXX XXXX is not the current holder of the note. Ocwen is trying to receive double payment on the balance that was owed. Ocwen sold the property on XXXX XXXX, XXXX even after it failed to provide a response to a notice to correct an error that was sent to Ocwen. This file is wrought with fraud and Ocwen has no right to attempt to collect a loan that was satisfied by XXXX. The XXXX alleged allonges each have defects the first allonge is made by Option One Mortgage, but signed by XXXX XXXX XXXX. The second one has incorrect loan number. Option One Mortgage was not known as XXXX XXXX on XXXX/XXXX/XXXX.


Date_received: 03/30/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company_public_response: ACTION IS REQUIRED BY THE EMPLOYER. '' The address they listed on the report was XXXX XXXX XXXX
Company: XXXX
Date_sent_to_company: for your reference."
Company_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Timely_response: TransUnion Intermediate Holdings, Inc.
Consumer_disputed: CA
Complaint_ID: 902XX
Consumer_narrative:
An Employment Credit Report was conducted by TransUnion on XXXX/XXXX/15. The report concluded " ADDRESS ALERT : POSSIBLE ADDRESS MISMATCH IDENTIFIED - BY LAW

State:
 CA XXXX. My address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. The XXXX Service and XXXX XXXX XXXX XXXX XXXX ( of which XXXX is a part ) allows for "" XXXX '' addresses. Despite multiple attempts to contact TransUnion

ZIP_code:
 I have been unable to get my credit report or talk to an actual human being. I have no idea whether my potential employer will see the Address Alert as something to be concerned about

Submitted_via:
 despite the fact that it is merely TransUnion 's omission of the "" XXXX '' part of my correct and legal address. And I have no way of correcting such a trivial error since I can not get in touch with TransUnion. I 'm attaching the complete background report


Date_received: 05/06/2016
Product: Credit card
Issue: Customer service / Customer relations
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: MA
ZIP_code: 021XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I disputed an interest charge on XXXX XXXX, 2016 and as of the writing of this complaint I have yet to receive a response, I thought TILA required a response within 30 days. The interest charged was about {$150.00}. I filed a dispute, which was resolved but Bank of America still charged me interest, a violation of TILA


Date_received: 05/13/2016
Product: Credit card
Issue: Other
Company: Capital One
State: CA
ZIP_code: 926XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
capital one bank keeps trying to collected money from me and i paid them and i cant even get another credit card because of them they keep threatining me


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Encore Capital Group
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I was sued in 2014 for a debt that I owed XXXX XXXX. Midland Funding bought the debt and filed a suit against me and garnished my wages until the balance was paid in full. After paying this debt in full, I received more correspondence from Midland Funding as well as XXXX and XXXX XXXX. stating that I was being sued again for the same debt. I have spoken to both compnaies and Midland Funding refuses to speak to me about my account and told me they sold the account to XXXX XXXX XXXX after this account was satisfied. I contacted XXXX & XXXX and they stated that they never received the money that was garnished from my paycheck and that this account could not be closed until it was satisfied. I am looking to sue both companies for constant harassment. This is affecting my daily job responsibikities as I have to take off of rom work to resolve this. I will attach a copy of my check stub showing the garnishment paid in full.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: CO
Subissue: 800XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 04/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
After the debacle of trying to get a modification done and all of the roadblocks put up by Bank of America, I strongly believe that they are flagging accounts with high interest rates that are timely paid in an attempt to keep those customers from refinancing at a lower rate with a different bank. Over the past three years I have paid nearly 8 % on my mortgage when rates are half of that. If not for Bank of America 's negligence/incompetence I would have been able to refinance this loan to a more affordable payment. I strongly believe there is systematic fraud/negligence/intentional misconduct at the bank. I do n't believe those payments should ever have been reported as missed as I timely paid all amounts. I would simply like to have my credit report corrected so I can get away from this corrupt bank


Date_received: 04/12/2016
Product: Credit card
Issue: Other fee
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: MN
ZIP_code: 553XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I opened a Macys credit card last fall, made some purchases and never received a bill. I called and they made a XXXX time credit to my account for the late fee and finance charge and I paid the balance in full. I again purchased an item over the holidays with the card and did not receive a bill. To prevent fees my wife called the week before the billing period and paid using the automated phone service. Macys stated the call never happened and again charged me for late fee and finance charges. We looked through bank statements and could not find the payment so this was indeed puzzling. I reviewed my phone records and did find proof of the call so I called Macys back and they did admit a call did occur. The call was 8 minutes in length but an error occurred. I asked for the specific error and they would not share details of the error with me and insisted I pay the now near XXXX dollars in late fees. Mind you all fees at this point are charges from finance charges and late fees. I work in XXXX for XXXX XXXX and have supported dozens of Voice Recognition systems and very familiar with what information is available so why they refuse to share is a problem with me. Every button you select, the time between buttons, the errors encountered. It is a legal record that must be maintained for seven years. I have been billed to date well over XXXX dollars in fees on nothing but fees. No late charges were actually in affect for products purchased. They called me more than a dozen times to get me to pay the XXXX in fees I felt I did not owe. I tried on several occasions to get this resolved and most often they would put me on hold and the disconnect after 10 minutes or so. When I tried to understand why I was not getting statements it was discovered they had the wrong billing city listed. After several calls daily from Macys collections I tried to get this resolved but finally buckled and was forced to pay almost XXXX dollars in fees on a finance charge. I paid the charges and closed the account. This occurred last month and since my address has been corrected I received a billing statement this week. The process has started all over with a {$2.00} fee being charged. If I do not pay this {$2.00} I will get yet another {$37.00} late fee. I 'm not sure what type of scheme they are running but to date the card has cost me over {$100.00} in so called Fees. They add {$2.00} monthly and if you do n't pay it turns to {$37.00} a month over and over and over. How can this be a legal practice? What is the mysterious {$2.00} fee that rolls into a {$37.00} late charge? Is this practice legal? How can I get my {$96.00} that I paid to protect my credit? A service fee that turns to a late charge compounding into a late charge due to a bad address? I closed my account but am still getting Fees. How can I get off of the cycle here? HELP


Date_received: 05/05/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: I can not get my credit score to what it was prior to the identity theft."
ZIP_code: Toyota Motor Credit Corporation
Submitted_via: CA
Date_sent_to_company: 900XX
Company_response: Older American
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/09/2016
Consumer_narrative:
I experienced identity theft and notified XXXX XXXX, XXXX, XXXX, XXXX and Toyota. They have reported to the credit reporting services that upon investigation, they had decided that I was in serious delinquency even though they knew about the identity theft. After notifying them of the theft, the thief was able to open a credit card at XXXX XXXX under my name and rack up additional debt. I immediately informed them that I did not open this card and had they looked at my account, they would 've been able to identify the continued identity theft. Instead, they took more than {$6000.00} out of my checking account to pay the balance on this fraudulent credit card. And now XXXX XXXX is claiming, I owe them {$3800.00} which is destroying my credit. They also never repaid a penny of the theft which was laundered through my bank account. They only saw the problem when I went into the branch to make an inquiry about my account. XXXX XXXX claimed it was my problem. XXXX XXXX XXXX and XXXX claimed I owed an amount that was also part of the identity theft. I provided them with XXXX police reports about the identity theft and a notarized FTC proclamation about the theft. This too continues to destroy my credit. I 've employed many credit repair service to no avail. In fact, they take the debts off my credit report and then put them back on. And Toyota was paid in full and apparently that payment went to a different payment address and it took Toyota three months to get the payment credited to my account. They have put this on my credit report as late payments. XXXX Bank Line of Credit put late payments as " seriously delinquent '' even though I was in a modification of the loan which XXXX XXXX said I did not have to pay until the modification was complete. During the modification progress

Company_public_response:
 XXXX XXXX continued to ask for more and more paperwork which I did provide but nothing happened with the modification until I got a refinance loan and paid them off. No matter what I do


Date_received: 05/24/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL
ZIP_code: 629XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016, I was informed by a loan officer from XXXX XXXX XXXX XXXX XXXX Bank that my mortgage application would be denied because she had talked with Blatt, Hasenmiller, Leibsker and Moore, LLC about a debt judgement between myself and XXXX debt collection companies that the firm is representing. This is a direct violation of the Fair Debt Collections Act. Because of the communication between the firm and the bank, I lost a morgage that could have reduced my interest rate and equity that would have paid off all current credit debt, freeing our finances up to pay off the judgement amounts in the future.


Subproduct: JPMorgan Chase & Co.
Issue: AZ
Subissue: 853XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
Finally after the fact they sent me a brochure which in very tiny print said something about minimum payment is either XXXX percent or XXXX percent of the balance. The bank manager tried to speak with the credit card department to no avail. I remember them speaking about how is the XXXX percent vs XXXX percent of minimum payment decided to no avail. I also called the executive offices and was told they would try to help and their goal would be to adjust the balance transfer fee and would get back to me but never did. I would just like others to be aware. I have excellent credit and thank God I had the means to go elsewhere, however did cost me the transfer fee and a lot of grief.


Subproduct: Southwest Credit Systems, L.P.
Issue: RI
Subissue: 028XX
Company_public_response: Consent provided
Company: Web
State: 05/24/2016
ZIP_code: Closed
Submitted_via: No
Date_sent_to_company: Yes
Complaint_ID: No
Date_received:
I wrote a letter for validation and collection company sent me copies of billing statements. The address on the billing statement was not the address I lived at during the time of debt. I sent copy of my lease for the time period and company wrote back stating the collections would be closed and removed. they have not closed or removed the collections fro credit bureaus


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company_public_response: '' and told me in a letter with the title
ZIP_code: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Submitted_via: Bank of the West
Date_sent_to_company: CA
Company_response: 950XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
Hello. I paid off a car loan that I had with Bank of the West. They sent me a " Certificate of Title

Company:
 to take it to a titling agency to release the Bank of the West lien. I called a couple of titling agencies who said they do not do that. I then called my LegalShield lawyer service who said I must take it to the DMV to update the title

State:
 but that Bank of the West is shirking their responsibility in making the customer take this step. ( I did not have to take this step when I paid off my first car loan. )"


Date_received: 02/25/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company: D. SCOTT CARRUTHERS
State: CA
ZIP_code: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/22/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
This company has contacted people whom I have never given them the number for including coworkers and old high school friends. They have called my work phone more than 5 times in a day and contacted my Human Resources ( who sent me an email ). I work for XXXX so they are continuing to harass me after through large departments who they again were never given the pone number to. I have never received a call or letter at my home so they have not attempted to call or contact me directly. They are causing XXXX on me and at this time I am not in a place to deal with more than what is already surrounding me. They are XXXX the people they are contacting ( XXXX is over XXXX years old ) and making them think there is something detrimental to my well being.


Date_received: 05/24/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Fidelity National Information Services, Inc. (FNIS)
State: VA
ZIP_code: 232XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recently applied for a XXXX XXXX product, a checking account. I was informed that I did not meet the expectations, hence declined. I assumed that as a result of this inquiry my credit card company has usage imposed restrictions on my credit card ( longer holds, etc. ). Nonetheless, I was told I had a right to know what my credit report had that I was not aware. The agency they reference in the letter was Checksystems. My experience in the past was very negative. I requested a report about three months ago and never received such request. I wondered what is being reported since I was rejected. This is not the first time I have encounter rejections referencing information on consumer report. I have filed previous situations with this agency about them.


Date_received: 05/17/2016
Product: Credit card
Issue: Advertising and marketing
Company: JPMorgan Chase & Co.
State: ID
ZIP_code: 837XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was solicited by Chase to apply for for their new Slate card that offers very good terms o balance sheet. I read the reviews and it appeared to be a very solid card. I even scanned the terms and conditions. I applied for the card only to realize that they will not transfer balances on other Chase accounts or cards. This should be made very clear up front. I immediately closed the account and have tarnished my credit score because of it.


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: PennyMac Loan Services, LLC
State: VT
ZIP_code: 054XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My original mortgage loan was sold to PennyMac mortgage servicing company several years ago. Ever since several times a year I receive harassing phone calls and letters from the company demanding that I send insurance verification or some other documentation that is not even my responsibility to obtain. Even worse, when I go out of my way to have the documents sent, they continue to barrage me with calls and harass me about it. When I finally got someone on the line and explained that it had already been sent, they spend 15 minutes looking and found the requested document. So even when I provide what they are asking for at great inconvenience to me, they do n't process it and continue to harass me over it. They should get the documents directly from the HOA and not harass me seveal times a year when the insurance policy is updated.


Date_received: 06/20/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: GM Financial
State: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This case was dismissed in court against me for this company on XXXX/XXXX/2016 case number XXXX because it was passed the stature of limitations. I did forward this information to all XXXX credit bureau. I did not dispute that it was not mine but that it was dismissed in court. They responded with this message. XXXX We have researched the credit account. Account # XXXX The results are : We verified that this item belongs to you. Additional information has been provided from the original source regarding this item. If you have additional questions about this item please contact : XXXX, XXXX XXXX XXXX, XXXX TX XXXX XXXX : ( XXXX ) XXXX. I am disputing the fact that my report should have been updated and it should show as no balance due on all XXXX credit reports for me for this Charge Off. The balance ( and past due/or past due ) on this account is incorrect it should say {$0.00} since it was Charged Off.


Date_received: 05/25/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: The CBE Group, Inc.
State: TX
ZIP_code: 786XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Already paid debt. In fact over billed and paid to company. Requesting refund of money of over amount paid.


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: a letter from XXXX XXXX Nationstar Corp
Company: XXXX XXXX XXXX XXXX XXXX
State: XXXX dated XXXX XXXX
ZIP_code: 2016 stating that they were returning my check
Submitted_via: made out to XXXX because
Timely_response: XXXX describing a returned check indicating
Consumer_narrative:
I have submitted complaints number XXXX, XXXX, XXXX, XXXX, XXXX, XXXX among many other complaints against Nationstar Mortgage , LLC and XXXX XXXX XXXX/ XXXX XXXX XXXX Et Al `` dba '' XXXX XXXX XXXX , XXXX . They have XXXX billing collection issues and XXXX problems with service according to the XXXX which grades them with a " XXXX '' rating. I have not received any responses from this company with regards to their adhering to the Frank-Dodd requirement and the discovery/disclosure of their identities as Parties in Real Interest. I have proven them not be Parties of Real Interest in a law suit in the Circuit Court of XXXX County XXXX under case number XXXX and I have motioned to remove the case to United States District Court under Title 42 code 1442-1446 under case number XXXX. I recently received via XXXX next day

Date_sent_to_company:
 they were unable to process the payment because of "" wrong payee. '' I called Nationstar XXXX and spoke with XXXX who initially indicated that I have to update my information for the 10th time. I reiterated that the letter was addressed to me in my lawful name and I received the letter at my domicile in XXXX

Company_response:
 XXXX therefor my identification ca n't be an issue. I also have numerous documents on file in XXXX different courts notarized and confirming my identification. XXXX asked me to email XXXXXXXXXXXX. So I did : please find attached a letter form Nationstar Mortgage addressed to XXXX @ XXXX

Consumer_disputed:
 "" wrong payee. '' My information is updated and the "" payee '' name and address should be updated to reflect this. Please contact me via email if you have any question or responses. Via email XXXX XXXX responded : "" The image you have sent is blurry and not all the way legible. In addition

Complaint_ID:
 this letter is not from the Customer Relations Department. If you can advise of the department you intend to get this correspondence to


Date_received: 05/25/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: Charles Schwab Bank
State: CA
ZIP_code: 941XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Charles Schwab Bank unilaterally determined to close my account. When it did so, it also removed my ability to access my account and account statements through its website. I recently received a check from Schwab for an amount it represents constitutes the balance in my closed account. It misrepresented in the letter that accompanied the check that I asked it to close my account ( it made the determination unilaterally and contrary to my desire ). It provided to me no statement or accounting of the closed account or any other explanation of how it arrived at the amount of the enclosed check. When I called to complain that I have no means of verifying the amount of the check was the actual amount remaining in my closed account, it still refused to provide me with any online access to my account records or statements and has not given me anything as a means of accounting for the amount it sent to me. It just expects me to take its word for the amount.


Date_received: 05/24/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Convergent Resources, Inc.
State: CA
ZIP_code: 958XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a credit alert through my Credit monitoring service that CONVERGENT OUTSOURCING had reported an unpaid debt to XXXX credit bureau. I cantacted Convergent three times trying to verify the dept in writing and after two month i 'm still waiting. I was told over the phone that I owed XXXX money ( could no tell me how much ). I joined XXXX and they were not able to connect our unlocked iphones. We tried with them for two weeks and finally they gave us an option to buy phones from them of cancel the service. We cancelled the service and since we were not able to use their service, they told us that we do not owe them anything. We never received any bills of phone calls from them.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: PA
Subissue: 180XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 03/29/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I called XXXX XXXX, at XXXX XXXX XXXX. and told her the story and she said that she would let BOA know. I also advised her that I had contacted XXXX county recorder of deeds and they advised me that the reason it was never filed was that they require a FONT of 10 or higher and the BOA paperwork was 9. Looking at the paperwork from XXXX XXXX XXXX. I would guess the font is a 7 or 8. I asked her for a copy of the letter that she would be sending BOA. HOPEFULLY I will receive it Clearly BOA and it representatives do not know what they are doing and I do n't wish to be harassed any more because of their incompetence. They can contact me when the paperwork arrives at XXXX ( both the XXXX incorrect copies, and the new copy in the correct font so that XXXX county will accept it. FYI, my mortgage payment was paid to day and paid ahead.


Date_received: 05/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: HI
ZIP_code: 967XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 've disputed a tax lien that was placed on all of my credit reports. Submitted the police report number and letter of expungement from the state of XXXX. It 's also on case.net as being expunged. It was originally placed due to identity theft. XXXX removed it immediately. Transunion and XXXX refuse to remove the item. They are instead, reporting it as paid. I 've made the dispute with each five times now. Besides, how can I have a tax lien on a property I do n't own in a state I do n't live in? I am from XXXX.


Date_received: 04/25/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Hello. Even though these accounts were hacked by my brother, I paid them to have my credit history cleared. Attached are the receipts. Please help me to clear my credit history. I ca n't even open a bank account and I have never done anything wrong. Thank you.


Subproduct: with me as a witness
Consumer_narrative: I 'd get my finds back very quickly
Company_public_response: perhaps never see them gone at all. In this way
State: not theirs at all."
Submitted_via: PayPal Holdings, Inc.
Date_sent_to_company: MA
Company_response: 018XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Date_received:
This just happened for the second time on XXXX XXXX ( 2016 ). I attempted to use my online PayPal balance to make a purchase for {$100.00}. PayPal is for all functional purposes an online bank in these transactions, and should be subject to related banking regulations. In this case, the merchant ( XXXX ) had a problem on their side, and we did n't connect live within 48 hours. As a result, XXXX informed me that they " cancelled '' the transaction. Having no goods/services for my {$100.00}

Product:
 I expected my PayPal balance to reflect the cancellation quickly. It did n't. I finally got a XXXX rep with enough skills to get me the XXXX phone number and information. The information was that I needed to get PayPal support on the phone and conference in XXXX. XXXX confirmed on the phone

Issue:
 that PayPal should release my funds back. The PayPal rep said that she could and would start the process when I hung up. Two days later

Subissue:
 no funds released. I called tonight and the whole circular fire-drill was about to start at square one. To me this is : 1 ] Theft of float without compensation 2 ] False marketing of a financial instrument -- if a cash/electronic checking transaction is cancelled before completion

Company:
 my PayPal balance is not like cash at all -- they can hold it for as long as they want even though it is "" for the benefit of '' money


Date_received: 05/11/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: Helm Associates
State: PA
ZIP_code: 190XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I purchased the vehicle through B & B Automotive. Within the first 24 hours i had nothing but issues. So bad the car was taken back and put in the shop for 24 hours. From that point on i have nothing but problems with my car. It was in and out of the shop 8 times within 30 days. Within my rights as a consumer they had told me that i could return the car for another car because that car was considered a " Lemon '' but i could n't put it through the Lemon Law Act because it was a 2005. At this point they picked up my car and reported that i turned it in voluntarily. Which was not the case."


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: AmeriHome Mortgage Company, LLC
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
AmeriHome Mortgage failed to pay my homeowners insurance policy from my impound account funds. Upon contacting them, they stated XXXX had no record of me ever having an insurance policy. I contacted XXXX, and found in their notes that AmeriHome has never transferred the payee on the policy from the last Loan Servicer. XXXX has advised AmeriHome on 3 separate phone calls what they needed to do in order to get the policy information, yet AmeriHome failed to follow through and allowed the policy to lapse. AmeriHome also failed to notify me, I found out when XXXX raised my Auto Insurance due to the cancellation of the HomeOwners Policy.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: TX
Subissue: 775XX
Company_public_response: Consent provided
Company: Web
State: 04/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
**please see back of report under creditor contacts to see where the address is not listed** Thank you for being here for consumers to have a voice!!


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Tower Loan
State: MS
ZIP_code: 392XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Tower loan has called my job after I have told them that I will be punished if calls continued. I have asked district manager to have workers not called and he stated he will make sure the calls would stop. Soon after the calls continued and workers stated they will call as long as my account is not paid.


Date_received: 04/02/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: SC
ZIP_code: 295XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/02/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
When checking my credit report, today XXXX/XXXX/16, It stated that since my last update onXX/XX/2016, A previously deleted account on my Transunion Credit Report on XXXX/XXXX/16 ; was added back to my credit report. The Debt Collector is XXXX, and the Original Creditor was XXXX XXXX XXXX. The balance on this report on XXXX/XXXX/16, shows balance owed as {$0.00}. When it was originally reported as deleted on XXXX/XXXX/16 amount deleted was {$470.00} and accounts were closed. Reported on XXXX/XXXX/16 credit report for XXXX for same accounts, these were deleted per the original creditors request.


Date_received: 05/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 761XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a judgment on my credit report that was not file properly after I paid off the judgment. The proper actions were not taken after I paid off the judgment. Even though my land lord gave a written statement that the judgment was paid. Please look into XXXX procedure of removing satisfied judgments. You can see the Plaintiff asked for XXXX Please pay close attention to the document you can clearly see that I only owe {$420.00} that was awarded by the judge to XXXX XXXX Used Cars. Then below you can see my counter payments I made to the bill that was awarded.


