# complaints

Date_received: 05/06/2016
Product: Bank account or service
Subproduct: Savings 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: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
This morning before work I tried to get gas from the gas station using my Wells Fargo check card. I kept getting an error message, so I decided to go inside and see the cashier. She tried my card same thing happened staying error. I thought maybe it 's ' their ATM machine so I was go to a bank and and get money from the ATM, this process was making me late for work at the hospital but I needed gas to get to work. The ATM said invalid card after trying again several times. At this point I figured I need to call Wells Fargo to find out whats going on and they told me they closed my account. I was shocked and asked why and why I was n't notified they said they sent a letter but did not have to call me. I was so confused and today is payday so I had a direct deposit hit my account from payroll last night. I do not keep cash on me so I have no way of putting gas in my car to get to work. They told me they closed my accounts because someone used my log in information and attempted to deposit a counterfeit check from a company called XXXX XXXX XXXX ( the representative gave me this information ). I said that was n't me and I have no idea how that could have happened because I have not given anyone my information and never have heard of this company. After being transferred from dept to dept and finally getting the Executive office the ending result was All my accounts have been closed including my son 's account who is away at college since our accounts are connected and the only thing I can do is wait for the branch to open to take out all my money. To say I was disappointed and hurt by Wells Fargo lack of communication with their customers after something fraudulent is occurring on their account is an understatement. I believe maybe my account was hacked since it was a mobile transfer into my saving by a possible cell phone virus. I 'd be curious to know if they can track the cell phone number. Wells Fargo did not seem to want to assist me in anyway to investigate this matter they just wanted my accounts closed. My plan was to apply for a home loan with Wells Fargo along with my husband at the end of this year since we 've bank with them so long. I just do not understand how someone could do this to a consumer and the bank does not try to help them or notify them as soon as it happens. This is very disconcerting as someone who trust the bank to monitor their finances. Seems like they did n't believe me and was very cold about the situation asking how would someone get my log in information if I did n't give it to them? The same way criminal break laws and take advantage of companies all the time when the consumer is the victim. This is not just, and is really unfortunate.


Date_received: 04/02/2016
Product: Credit card
Issue: Delinquent account
Company: and the author of the letter
State: XXXX XXXX
Timely_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_disputed: Bank of America
Complaint_ID: TX
Consumer_narrative:
In XXXX, Bank of America errouneously debited our checking account prior to the due date, and cause our accounts to overdraft, and they ended up charging us off for a MISSED PAYMENT. BOA messed up. BOA REFUNDED overdraft fees that incurred in our personal checking. BOA was supposed to refund payment. BOA only refunded payment AFTER the payment DUE DATE of XXXX/XXXX/XXXX. BOA then continued to take AUTOMATIC DEBIT withdrawls on the last day of the month until the account was paid in full. However, they also charged us off due to the missed XXXX XXXX payment, which BOA refunded AFTER the due date. We complained CRA 's. Bank of America " verifies '' info and CRA says they cant update without permission from credit grantor. We complained to the XXXX in XX/XX/XXXX

Company_public_response:
 at which point Bank of America responded on XXXX/XXXX/XXXX saying the info was correct. They had many facts misrepresented

ZIP_code:
 HAS NEVER RETURNED A SINGLE PHONE CALL although she states we can contact her to discuss any issues AND XXXX XXXX says "" BOA does not manage my credit report '' and that they cant fix it. XXXX XXXX also says we were "" pleased with the outcome ''! I have attached the phone records showing our conversations

Submitted_via:
 and I have attached the bank records showing that the refunded was provided to us AFTER the XXXX/XXXX/XXXX due date

Date_sent_to_company:
 which means they posted in XXXX XXXX. Bank of America has completely ignored the 50+ attempts since XX/XX/XXXX that we have made to get this resolved. XXXX XXXX says we can contact her yet she has never returned a single phone call ( she states to call her in the letter ). WE NEED HELP and WE EXPECT someone to review the REAL FACTS of this issue. Once reviewed

Company_response:
 we expect Bank of America to contact all CRA 's and to have them update our account to 100 % paid as agree and on-time. THE CHARGE-OFF should be removed. This is the final notice prior to legal action being filed. Thank you for your help. ALL FACTS ARE ATTACHED INCLUDING the "" Master Dispute '' which contains over XXXX of documented evidence proving BOA 's failures to rectify this situation."


Date_received: 03/22/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
State: Company believes it acted appropriately as authorized by contract or law
ZIP_code: Ditech Financial LLC
Submitted_via: OH
Date_sent_to_company: 440XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 03/22/2016
Consumer_narrative:
we have a rental home in which the tenants have not paid -- we are in the process of eviction. This is an extremely difficult time for us as our son passed away unexpectedly six weeks ago -- this honestly is the hardest thing we have had to deal with so when the tenants say to us they have XXXX -- we have to say " do n't even tell us about XXXX '' While we evict & have received no rent we have asked ditech to please give us a two month reprieve until we can get rid of bad tenants

Company_public_response:
 repair the home & ideally get rented again. We have paid the escrow this month but asked PLEASE for the payments to be added to the end of the mortgage -- with NO late fees. They have sent us information on loan modification

Company:
 which in our experience on rental homes NEVER works. We have jumped through hoops attempting a modification & have never received. We honestly thought this plan was ideal & workable."


Date_received: 05/05/2016
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: Ally Financial Inc.
State: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am in the process of buying a home and will be making several high debit charges for money orders and certified checks. I contacted Ally to increase my debit card balance. I was told by a representative that a request would have to be submitted and that the review takes 3 business days. Also, I was told that this increase would be temporary and that the debit card increase, if approved, would only last 3 days. This is problematic because the XXXX debit will be 7 days away from the XXXX debit. This policy will likely result in me not having access to my funds and will delay my closing which in turn will cost additional expenses for me.


Date_received: 04/04/2016
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: 752XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Several disputes have been file with Experian but they continue to show inaccurate information. They show Wage Earner plan with XXXX XXXX XXXX and XXXX XXXX. I sent documents showing the hose sold and they continue to report information that is not accurate. I have a Chapter XXXX voluntary dismissal. I won a XXXX case and withdrew the filing. they hire a third party document researcher who sans documents and eliminates the facts. This is wrong and they refuse to correct the issue,


Date_received: 05/08/2016
Product: Mortgage
Subproduct: Conventional fixed 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: Bank of America
State: CA
ZIP_code: 957XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
MY HOME MORTGAGE BANK SOLICITED ME FOR A REFINANCE ON MY HOME. THEY OFFERED A 3 % LOAN IN A REFINANCE PACKAGE. WE SUBMITTED ALL THE INFO THEY REQUESTED TO REFINANCE AT THE COST OF SPECIAL MAILINGS AND TIME, THEN WE WERE NOTIFIED THAT THE UNDERWRITER DENIED OUR LOAN. THIS WOULD SEEM A NORMAL REJECTION HOWEVER, OUR CREDIT IS EXCELLENT, AND OUR INCOME IS IN THE {$200000.00} RANGE WITH NO OUTSTANDING DEBTS AND OUR HOME WOULD BE REFINANCED AT 30 % OF VALUE. I THINK THE BANK ( BANK OF AMERICA ) REALIZED THEY WOULD BE REFINANCING A LOAN THEY HAVE AT 4.87 % TO A 3 % WOULD BE A LOSS TO THEM. WE WANTED TO EXCHANGE A 14 YEAR LOAN TO A LOAN WITH A 10 YEAR PAYBACK WITH THE NEW INTEREST RATE THEY OFFERED ... I DO N'T THINK WE WERE TREATED FAIRLY OR HONESTLY ... SINCERELY, XXXX XXXX XXXX


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company: Gryphon Corp
State: AZ
ZIP_code: 850XX
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 settled a debt in 2012 - the agency never reported it to the credit bureau and the debt was sold again - I have paperwork to prove I paid this debt. The new agency - is threatening me and asking when I 'll be home. I tried to call them today to send them the paperwork and they refused to talk to me. I have disputed the amount with the XXXX today. I want this to stop - I paid the dept.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: CA
ZIP_code: 910XX
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 imbound account ( Escrow ). The collector company collect Monthly payments to pay for property taxes and home insurance. I bought my house in XXXX 2014. The collector paid part of the property taxes and did n't pay the supplemental taxes which is the difference between the old assessment and the new assessment. The new assessment is related to the new purchase value. I sent the Tax and the Supplemental tax bills to the collector. I reminded them two times to pay the supplemental taxes and they kept telling me that they get tax information directly from tax collector. I contacted the tax collector. He confirmed the the supplemental tax is due and their is a late fee. Attached XXXX projected Escrow show the estimated value of the Property Taxes. XXXX was the collector before transfer it to Nationstar.


Date_received: 05/13/2016
Product: Bank account or service
Subproduct: Cashing a check without an 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: 800XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX of 2015, when I opened by bank statement I found that {$38000.00} had been removed without my knowledge or permission. Since that date, I have received from USBank just over {$6000.00} in the electronic checks that were fraudulently removed but still have a balance owed to me of {$26000.00} of which no one will tell me of a potential date to be made whole. Last time I filed a complaint with cfpb I did receive a reply from USBank stating they were sorry I was unsatisfied with progress but they will continue to plug on. It has been 10 months with really no progress, or communication other than the response to the inquiry from CFPB. I wrote to the same person who wrote to me again with no response. I have called and will continue to call their fraud line for any update but none seems forthcoming. If you could once again request that they update me I would be appreciative. I look forward to some kind of progress with this loss. OR if you or USBank could suggest a way to assist in this recovery.


Date_received: 05/14/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Encore Capital Group
State: CA
ZIP_code: 937XX
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 have called and talked to the company I am seeking asking for a detailed statement for the past 3 months of the account before it went into collection so that I can verify how a XXXX credit limit credit card became {$1100.00} the agency has refused to go back 3 months or take a settlement offer of XXXX and the least they would go is XXXX. I would like detailed statements of how fees or interest were accrued and verify last purchases before collection


Date_received: 04/28/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Southwest Credit Systems, L.P.
State: WY
ZIP_code: 822XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
This number constantly calls my place of employment, anywhere from XXXX7 times within an 8 hour day, 5 days per week, for the last month. I do not know what they are wanting because they will hang up or place me on hold for a representative. I 'm at work so I am unable to hold, nor am I allowed personal calls. I am reprimanded every time this happens.


Subproduct: Equifax
Issue: FL
Subissue: 331XX
Company_public_response: Consent provided
Company: Web
State: 05/19/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: No
Date_received:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX ( I 'm not in the market in Buying or attempted to buy a house in over 2 years ) XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: NY
Subissue: 115XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
I have been paying monthly service fees on this account partly because the points earned made paying the fees worth it. I think it is deceitful and misleading to promise points, confirm them in writing to me and then refuse to pay it. If I had not known I was not eligible as Citibank claims, I would have taken my checking account elsewhere and would have not been paying service fees.


Date_received: 04/07/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: FRIC HOLDING CORPORATION
State: CA
ZIP_code: 951XX
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:
XXXX XXXX bought a 10 year old judgement from First Resolution. Never informed of anything and had never heard of XXXX before they stole all the money out of my bank account on XXXX/XXXX/2016. Called them, they informed me that I was returning my own mail. That 's a lie.I understand that XXXX is a form of a boiler room for layers, I get that. They have more than doubled the debt, and I have no clue where to go from here.


Date_received: 05/11/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: national origin
ZIP_code: Company believes it acted appropriately as authorized by contract or law
Submitted_via: TCF National Bank
Date_sent_to_company: MN
Company_response: 554XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
TCF Bank had been my bank for both Business and Personal accounts with all my accounts in good standing. In XXXX 2012 TCF Bank just decided to close all my accounts Personal accounts with no explanations. I went to several branch locations asking for an explanation but all I was told was that the bank does not want do any business with me and I was given like a week to withdraw all the funds that were in my account and leave the bank. Different branch branch managers could not explain to me what was going on except that the bank has a right to choose whom it wants to work with and that its exercising its rights by doing so. I continued asking for an explanation because the actions taken by TCF did hurt me a lot, as checks were returned unpaid, operating a small business without an account created problems for me, also opening accounts, borrowing money etc. was a problem after that incident. The more I continued seeking for answers the less TCF Bank managers did not want to talk to me anymore. TCF Bank made me feel different unwanted, a criminal or someone not worthy to do business with even though I had a good track record with the bank. Then one of the managers told me that TCF Bank does that to some people from XXXX because they had a lot of problems with them and that I could be a victim of mistaken identity. I never stopped asking TCF Bank hoping that they will clear my name or at least tell me what is going on with my accounts but all they keep on telling me is that I will get a written response that never came. Then I was given a general statement by one manager that states that I could be a on the government sanction list or something bad. I have no criminal background or any records to support that. I have spent all my years in school working hard to improve my life. I come from a XXXX background and I am a law abiding citizen. It is scary to think that TCF Bank branded me a criminal or something bad that I am not. If they had questions it would have been better to ask me. It 's been years since this incident happened and today TCF Bank continue to label me what I am not and has never been. This level of discrimination should never be allowed, I could be of XXXX descent but I am a law abiding American citizen and deserve the right to be treated the same way as other Americans. Since TCF Bank branded me this way, its been painful and also to think that i could be on the government watch list is disturbing and frightening as I have committed no crime except what TCF Bank think. I do need an explanation from TCF Bank why they are discriminating against me, this is not right. I do have some names of some of the people who know about this case and my effort to get answers from TCF Bank. If TCF Bank is still investigating at least by now they should have something to support their decisions, it should be more than 10 years now considering when they decided to close my accounts to compile a report that I was promised. I am asking for your assistance to help me resolve this case and also get answers from TCF Bank why they are discriminating me from all the other Africans they continue to do business with. Why do I have to be treated in such a painful way for so long its torture, to be told by a Banker that the government may have ordered your accounts closed and are watching you because I could be a victim of mistaken identity on " the government sanction list ''. I do have names of some people who know this case Branch Manager at XXXX XXXX

Company_public_response:
 XXXX XXXX TCF Branch Managers/Supervisors at XXXX XXXX and Uptown. I find this treatment wrong and TCF Bank should not be allowed to discriminate based on color

State:
 or any forms of discriminating even if they had a bad experience from such groups. I also ask the department to investigate other accounts that were closed by TCF Bank as I 'm not the only victim."


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Company_public_response: Company believes complaint is the result of an isolated error
Company: Colony Brands, Inc.
State: MD
ZIP_code: 217XX
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 called by Monroe and Main credit department at XXXX! They left a voicemail on my cell phone for a {$40.00} payment that was past due by a few days!


Date_received: 03/23/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: American Financial Resources, Inc.
State: SC
ZIP_code: 296XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A home in a community I manage is in foreclosure during which portions of siding have fallen off the third floor side of the unit. Over a year has passed and nothing has been done. The sublayer is now warped and everyone passing this unit sees the dilapidated condition of the home. It is the only eyesore in this beautiful community. Each owner is responsible for their own exterior. We are no closer to getting it repaired than we were over a year ago.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: First Advantage Corporation
State: IN
ZIP_code: 463XX
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 a virtual call center sent invitation by email to complete background and credit check. I had to go to the First Advantage website and pay {$65.00} for a background check. The email from XXXX XXXX, list some of the reasons which may cause to fail. XXXX or more bankruptcies, XXXX or more civil judgement/leans in the past 5 years. I have the credit report from XXXX and it does not list XXXX or more. I have XXXX bankruptcy and XXXX judgement ( judgement which was satisfied in 2010 ). First Advantage score is incorrect it is not going by the email that was sent to me from XXXX XXXX. First Advantage sent XXXX XXXX a score of ineligible. This is a lost of the {$65.00} and a bad report to XXXX XXXX unable to work as an XXXX XXXX.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: I.C. System, Inc.
Issue: MD
Subissue: 212XX
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:
Note : I do not have the copies of the invoice & receipt with me. I would like to opportunity to upload them later even though they already have them. I did upload my bank statement that shows the money coming out of my account.


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
State: calling Ocwen multiple times
Timely_response: Ocwen
Consumer_disputed: CA
Complaint_ID: 913XX
Consumer_narrative:
My mortgage company, Ocwen ( insurance dept XXXX ) is requiring a new coverage - condominium unit owner- for my townhome. This coverage, based on Ocwen 's rep is for interior walls of my townhome. I had faxed and uploaded the policy document since last year which included " interior walls-excluding improvements '' coverage. However

Company_public_response:
 now I am being told I need to have "" interior walls- with improvements ''. When I inquire where the "" with improvements '' requirement is based on

Company:
 I am told it 's based on Ocwen policy. My current mortgage has been in place for about 10 years and Ocwen is about XXXX company the account has been sold/transfer to. I never signed anything directly with Ocwen nor chose this company. For months I had been stressing

ZIP_code:
 faxing and uploading documents without resolution. Everytime I call I get different response from Ocwen reps varying from the coverage expired

Submitted_via:
 it was never included on the policy. And when I confirmed with the insurance company the interior walls are included on the policy

Date_sent_to_company:
 Ocwen changed their position that it needs to include walls with improvements. I have never done improvements nor plan to do any on my home. Ocwen is threatening to purchase a very costly policy of {$1700.00} for the technicality of adding "" interior walls with improvements '' vs. "" interior walls excluding improvements ''."


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: BBVA Compass
State: CA
ZIP_code: 935XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
MY BANK ( BBVA COMPASS ) DECIDED TO FREEZE MY ACCOUNT. I WAS NEVER NOTIFIED FIRST OF ALL AND NOW MY SOCIAL SECURITY CHECK WILL BE DEPOSITED INTO THAT ACCOUNT AND I HAVE NO WAY TO GET IT OUT. I KNOW SOCIAL SECURITY XXXX CHECKS FUNDS ARE EXEMPT FROM BEING FROZEN SO I HAVE NO IDEA HOW TO GET MY MONEY FROM THEM.


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: 334XX
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:
I have submitted a Notice of Error to Wells Fargo. I am attaching this letter to this correspondence


Date_received: 05/16/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company: TD Bank US Holding Company
State: PA
ZIP_code: 194XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I purchased concert tickets via an online ticket service ( XXXX ). Almost 2 hours later my bank account was hit for {$700.00}. Upon discovering it I contacted the bank and asked how they could allow this without my knowledge. They stated that they would send it to their fraud department and it could take up to 10 days. This left me with {$0.00} money in the bank and nothing to live off of. The transaction came out as XXXX XXXX but upon calling XXXX and talking to numerous people we were told that they did n't have any transactions from our card. This was used as a Debit Transaction so someone got a hold of my expiration date, security code and number. The only online purchase that was made with this card was to buy the concert tickets. Now, we were told that even though the {$700.00} says pending on our account they in fact have our money but neither TD Bank, XXXX or XXXX XXXX is claiming any responsibility nor do I know if or when I will even get my money back.


Date_received: 05/09/2016
Product: Credit card
Issue: Application processing delay
Company: JPMorgan Chase & Co.
State: GA
ZIP_code: 317XX
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 online for XXXX card issued by Chase Bank USA, N. A. I received a letter saying they needed a government issued ID showing my physical address for proper identification. I sent a copy of my XXXX XXXX XXXX with my physical address on the front and also the back of the card showing it was a government issue card. It clearly stated government issue. I would have sent a copy of my drivers license but it had my P O box on it. I later received a letter saying my request for the card had been denied because the documentation I sent in was not sufficient. I told the rep I had a Chase card before and also had a credit rating of over XXXX. I told him just to forget it I did n't need his card and to cancel the request. He said he could n't cancel it and the application would still be open if I wished to try again later. I do n't want this on my credit record showing I was turned down for credit. I 've never been denied credit before.They can have the credit card I just do n't a blemish on my credit record. I want the application canceled and no record of me applying for the card.Thanks


Date_received: 05/20/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: The Cherrington Firm PLLC
State: CO
ZIP_code: 806XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Provided written documentation to debt collector and spoke with them on the phone regarding the accounting issues with the business they represent. The written documentation shows a clear history of payments being sent and received by the business from me. Debt collector is attempting to further pursue the collection effort without acknowledging the provided documentation and they are attempting to add {$250.00} to the amount being disputed.


Date_received: 05/19/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Receivables Management Partners, LLC
State: MD
ZIP_code: 207XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Berks credit and Collections continues to report on my credit files that I owe XXXX different amounts as XXXX different collection accounts. I have made numerous attempts to communicate with Berks to inform them that these accounts do not belong to me as Berks are unable to provide verification that I own the debt : ( ie. my signature )


Complaint_ID: Yes
Date_received:
The Associate contacted the Risk Department to have the Hold removed ; but was told it could not be done because the IRS put the Holds on the Accounts


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: MD
Subissue: 209XX
Company_public_response: Consent provided
Company: Web
State: 07/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Bank of America Failed to provide a VALID JUSTIFICATION for the Holds on the Accounts and resulting Investigation."


Subproduct: Equifax
Issue: TX
Subissue: 752XX
Company_public_response: Consent provided
Company: Web
State: 05/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
XXXX XXXX and XXXX XXXX should be deleted also. they were re-added to report. I also have ID theft statement from FTC on these debts.


Date_received: 05/05/2016
Product: Credit card
Issue: Credit card protection / Debt protection
State: than I understand. But
Date_sent_to_company: JPMorgan Chase & Co.
Company_response: CT
Timely_response: 068XX
Complaint_ID: Consent provided
Consumer_narrative:
I ordered wine on my Chase Visa on " futures '' that was supposed to be delivered in 2-3 years. It turns our the vendor was engaged in a pyramid scheme which was discovered and they declared bankruptcy. I went to Chase to have the fraudulent charges reimbursed. They agreed to reimburse the charges made within XXXX days

Company_public_response:
 but claim that Federal Banking Rules prevent them from reimbursing the charges past 536 days. I asked for clarification of what rules have been issued by the Fed that would prevent them from making good on this fraud

Company:
 and they refused to provide any detail. I asked to speak to a supervisor ( named XXXX XXXX ) in the dispute resolution department to gain understanding of what federal statute would prevent Chase from reimbursement and was denied opportunity to speak with him. I asked for email address so I might contact him and was told that I could not have that either. And there does not appear to be any way on the Chase site to reach this person. If there is a Federal law or rule which prevents them from making good on this fraud

ZIP_code:
 I a skeptical that such a law or rule exists and their lack of willingness to provide clarity seems to support this view. The amount under dispute here is approximately {$16000.00}. Any help you can provide is very much appreciated."


Date_received: 05/07/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Problems caused by my funds being low
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: NC
ZIP_code: 276XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I depositid a cheque at a Wells Fargo branch, I was told then that they needed to verify the check before dispersing funds. A few days later i saw funds in my account. I had some debts im trying to clear so i clear it. A day later i tried to use my card to do business i was told my card was declined. I called the bank customer care and they told me that my card was declined because something was wrong with the check. I as why was i informed of this and i didnt get an answer. A few days later i was told that i needed to pay back the money that was taken from the account, I ask why was the cheque verified if there was a problem they told me that was my responsibility. So they told me there was a scam going on like that so it seems as if i was scammed. I asked then if you guys knew this why didnt you verify the cheque properly, based on the fact that it was a large sum on the cheque, i didnt have no moneyin the account and my account was only a month old. I was told that the fund shouldnt have been dispersed base don those stated reasons. I was told by a banker that he would look into the situation and get back to me. It has been 2 weeks and i havent heard from him. Recently recieved a call from collections that i need to make payments because my account was in over draft. Now i have been asking questions and no one answered and no clarification, I also know if the bank had did there job i wouldnt have been in this situation and they dont want to take no responsibility. All i have gotten from them was a disrespectful customer care agent, poor service and collections streesing me and i aint working. So i was told by a legal aid lawyer to report the situation to the commisioners of banck and that site directed me here so im making a compaint hope to hear from you soon


Date_received: 05/13/2016
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: LA
ZIP_code: 700XX
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 am currently an XXXX. I make less than XXXX a year. At some point, probably 2-3 years ago, my rates went up and I could n't afford the repayment monthly. I was paying around {$410.00} every month for my student loans. One month prior, on XXXX XXXX, 2016, Navient sent me a letter stating I would have a 252 % increase in my current student loan payments beginning on XXXX XXXX, 2016. A 252 % increase is exorbitant and ridiculous on a XXXX salary. They refused to work with me and want to go after my parents. The agent was very rude and pushy and basically told me my parents ' financials need to be given before they will even begin negotiating repayment plans on my student loans. I am XXXX years old and my parents have not been financially responsible for me in 6-7 years. Their financials have never been made known to me, and as a married woman, they are not financially responsible for me. My father is a XXXX for goodness sake, living off a modest pension. I do n't understand how this is even legal. Not to mention, my parents never agreed to the terms of the repayment when I changed them, so I 'm not sure legally how they can be held liable. I have no idea how my husband and I are going to be able to afford this.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: NY
ZIP_code: 113XX
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 sent three ( 3 ) similar letters to all three credit bureaus, XXXX, Equifax and XXXX. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demand the following accounts be verified or removed immediately. On my letters it list the accounts. However, I the only thing I have received back was a letter stating verified which is unacceptable. Despite three written request, the unverified items still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you " verified '' that these items are being "" reported correctly ''? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - you are required to "" ... promptly DELETE all information which can not be verified. ''"


Date_received: 05/08/2016
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: 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:
have Wells Fargo as mortgage lender and applied and was approved for modification in 2014. I made XXXX payments since that are not listed on my credit report. This has caused me paying more interest or being denied for credit. I want these payments shown snd language stating dispute resolved modification removed off my credit report. This is causing me problems getting refinanced this wording.


Date_received: 06/29/2016
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: NJ
ZIP_code: 070XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I disputed a charge on my Banana Republic credit card ending in XXXX ( issued by Synchrony ) under the claims and defenses section of Regulation Z ( 12 CFR 1026 ( c ) ) on XXXX XXXX, 2016. On XXXX XXXX, I received a letter from Synchrony on XXXX XXXX, requesting information about my billing error dispute and refusing to process my dispute if I did not respond. The first issue is that the form was only related to billing error disputes and not disputes under the claims and defenses section of Regulation Z. The second issue is that the form asked for all of the same information that I had previously provided to Synchrony. I tried calling Synchrony today ( XXXX/XXXX/2016 ) to determine what additional information is required, and the representative was unable to assist me. I believe that this practice of categorically denying all disputes without a customer completing a second form violates regulation Z and likely constitutes a UDAAP.


Date_received: 05/19/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: Evans Law Associates, P.C.
State: WY
ZIP_code: 820XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Evans Law Associates, P.C., Contacted me regarding a relative 's alleged debt. I asked them to remove my number and do not call again. The collector was very rude and stated that he did not have to remove my number, and I hung up. I called back hoping to be in contact with another agent, however it was the same collector. The collector lied and stated that my relative had used my number as their own on an application, and went on to say he had pulled my credit and background report. As far as I know, it is illegal for a collector to pull any information on any person that is not listed as an account of their own.


Subproduct: JPMorgan Chase & Co.
Issue: NY
Subissue: 120XX
Company_public_response: Consent provided
Company: Web
State: 05/19/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I am a XXXX single mother to XXXX children with no source of income & my bank who I 've been with for years in which I trusted basically does not care that they took food out of my children 's mouths. It 's a shame how the poor customers like me are robbed with these astronomical fees while the wealthier customers get all their fees reversed with no problem. Ithe seems like discrimination & unfair business practices when you have a set policy for one area & another policy for another. It is 1 bank & every customer should be treated as a valued customer. I know this for a fact in my former experience working with the bank.


Date_received: 05/19/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Submitted_via: Umpqua Holdings Corporation
Date_sent_to_company: OR
Company_response: 974XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I went through a divorce at the time I was an Joint owner on a checking account. I was told the account had been closed by the bank employee. Throughout the discovery process soon realized the account was still open I had just been removed from the account. I looked into the matter further and notice my signature had been forged on an " authorization to delete form ''. I got an attorney to assist with this issues was advised to send a demand letter because of the wrong doing by the bank for not following compliance when verifying signatures. In that demand I requested a dollar amount

Company_public_response:
 I received a denial letter stating that my demand was denied due to several reasons. I then through both email and verbal communication spoke with the attorney handling the case

Company:
 which an offer of XXXX was initially presented. I did not accept offer. I then got an offer for XXXX I initially was thinking ok but the way they bank made me feel about the case I declined. I explained again the situation and that the denial was indeed not correct. The attorney in the denial letter made a statement that was completely incorrect and false under banking rules. I then proceeded to communicate both again verbally and electronic only to get ignored. I then sent and 2nd demand letter now using the denial letter and reasoning as to why I was denied the amount requested to show based off of the verbiage used by the attorney indeed I should be entitled to that dollar amount but instead of the original amount I lowered it. I gave the attorney 30 days to respond to my letter. I received nothing from the attorney. I then proceeded to call and email asking the attorney if he is no longer over seeing this matter to let me know who is or what I need to do to resolve this matter. I kept trying for weeks with no success in reaching anyone. I then sent an email Tuesday morning letting them know I would be reaching out to the president and other channels and at that point I received a call requesting a face to face meeting. I accepted the short notice and met with the Bank employee. I advised me that he had actually been receiving correspondents the whole time and was fully aware of the situation. He had a piece of paper when some info on it

State:
 the only thing I could see was the dollar amount of XXXX. He proceeded to tell me that during the time the account was negative. I reminded him that when I was removed the account did indeed have a positive balance. He then confirmed that yes the account was positive and that he was willing to write me a check for XXXX ( which was the balance at the time of removal ) within XXXX hours if I would accept it. I was also told if I did n't accept that amount I would then be trespassed from the bank. I was shocked that and offer like that would then be followed by a threat. I then start to think why would I be trespassed from an establishment when I was trying to resolve an issue pertaining to me and my signature. I also was now curious because my initial demand letter I was told "" I could not have sustained damages give the negative balance that existed '' I am not wanting my initial demand amount. I have tried multiple times to resolve this issue. I had paid an attorney to assist this matter and the time and efforts involved to be completely ignored and then insulted by the extremely low offer followed by a threat. I can provide documentation showing original signature card along with original demand letter followed by the response and then my 2nd demand letter. I was also told the "" authorization to delete signer '' was indeed not necessary. I would like to know also if it is not necessary why have it."


Date_received: 05/19/2016
Product: Credit card
Issue: Other
Company: Capital One
State: GA
ZIP_code: 315XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
MY ACCOUNT WAS BLOCK FOR USING THE WRONG ACCOUNT FOR MY CREDIT CARD FOR CAPITAL ONE NA I HAVE TRY TO WORK WITH THIS COMPANY SEVERAL TIMES DOING WHAT THEY HAVE ASK ME TO DO AND TO CALL THE OTHER BANK WITH THEM ON THE LINE AND EVERY SPECIALIST AND EVERY TIME I HAVE TRY TO MAKE PAYMENTS ON THE ACCOUNT CAPITAL ONE HAS REFUSE MY ACCOUNT. AND NOW HAS MY ACCOUNT OVER THE LIMITED.


Subproduct: Capital One
Issue: WA
Subissue: 984XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I contacted CapitalOne to remove these late payments from the credit rating agencies ' records, which they said they would do. However, upon checking a month later, I found out that CapitalOne had not disputed the late payments, but instead had confirmed them to the rating agencies and preemptively filed a dispute correction. When I asked for them to send me a copy of the


Date_received: 06/02/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
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: VA
ZIP_code: 220XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Dear Sir, This is in reference to my home equity loan with Bank Of America. I have issues with the bank conflicting statements. They provide me a certain figure eg {$180.00} to be deducted on the payment date. They have deducted {$220.00} without my consent, This is the third time they have done this. Although last two times, I have written a letter and personally gone to the bank to resolve this issue.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Medical
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: Consumer Adjustment Company Incorporated
State: AR
ZIP_code: 725XX
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:
CAC sent a fax to my employer for verification of my employment after only attempting to contact me 1 time. There are no judgments on file against me in the court system as of XXXX XXXX, 2016 and the fax was sent XXXX XXXX, 2016.


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: Barclays PLC
State: CT
ZIP_code: 063XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Barclay card is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it almost exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s ). The account in question ends in XXXX


Date_received: 05/01/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: National Credit Adjusters, LLC
State: AL
ZIP_code: 366XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
This company, National Credit Adjusters, keeps calling me and my family members. They are telling my family that I 've skipped out on a debt owed and they need help locating me. That 's embarrassing, plus when they tell them to stop calling, NCA, informs them that they have every right to call and will not stop until they locate me. I 've talked to NCA and informed them that I 've already paid the debt to the original debtor and I have proof. The person I spoke with said to send it to them and I did. He gave me the email address of XXXXXXXXXXXX. I have documentation of that as well. After sending him the information, I told him to stop calling me and my family and he said he would document it. But the calls have not stopped.


Subproduct: GVA Holdings, LLC
Issue: WA
Subissue: 984XX
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:
XXXX XXXX XXXX is apparently the collection agency for this debt and have informed me that I am to be served with paperwork at my residence or work place. I have yet to see anyone show up at either location to serve me with anythng.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Maury Cobb, Attorney at Law, LLC
Issue: LA
Subissue: 701XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
It is more than telling that the name of this company, Maury Cobb, appears immediately in the drop-down box as a menu item in the " Company Information '' section of this complaint form. The abuse by this company is obviously a well-developed habit."


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Medical
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Holloway Credit Solutions
State: FL
ZIP_code: 327XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Holloway Credit Solutions LLC sent a letter to my daughter for debt collection on an account that I own. They threatened that this debt would go on her credit history if she did not act.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: Encore Capital Group
State: VA
ZIP_code: 221XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Midland Credit Management of XXXX XXXX, CA, filed a collection action against me which was subsequently paid in full through my Chapter XXXX bankruptcy. They were notified electronically on XXXX XXXX, 2014, that the bankruptcy was discharged and that they had been paid in full. However, they failed to notify the XXXX XXXX XXXX, XXXX XXXX, VA, within 14 days of receiving notification of payment, that the debt had been paid in full ( Notice of Satisfaction ) as required by the Virginia Code of Civil Procedure, Section XXXX. As such, it remains as an unresolved ( open ) action on the Virginia XXXX XXXX XXXX XXXX and with the credit reporting agencies, and I am unable to obtain a VA-backed home mortgage at this time.


Date_received: 05/18/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Fay Servicing, LLC
State: CO
ZIP_code: 800XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Mortgage company Fay servicing LLc, has neglected to send us any mortgage statements in over the 2 years after our mortgage was sold to them, although several requests were made, we fell past due and since we never had information showing we were late we never realized the late payments or payments that said were missed and made. Fay servicing also takes a very long time to process payments and charges late fees. no contact from the mortgage company to try to rectify,


Subproduct: Speedy Cash Holdings
Issue: CA
Subissue: 935XX
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:
Contacted me at : XXXX on XXXX/XXXX/2016 XXXX on XXXX/XXXX/2016 In spite of the Fair Debt Collection Practices Act and the Rosenthal Act in California, where I live, receive calls during inappropriate hours. These calls can be coumented on my XXXX account. The calls were from XXXX.


Date_received: 05/16/2016
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: NY
ZIP_code: 113XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
the credit Bureau ( s ) are reporting a charge off account that is not mines. They are violating the Fair Debt Collection Act.


Subproduct: Liberty Credit Services, Inc.
Issue: MN
Subissue: 550XX
Company_public_response: Consent provided
Company: Web
State: 04/20/2015
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I think this credit company has violated my rights. Please feel free to contact me with any questions you might have.


Date_received: 05/20/2016
Product: Credit card
Issue: Rewards
Company: but insisted it was the "" same '' card
State: something no reasonable consumer could determine. Despite repeated phone calls
ZIP_code: escalation of my issue
Submitted_via: and promises of a resolution and a response
Date_sent_to_company: I never heard back from anyone. On a call today with a supervisor
Timely_response: despite having assigned a case number )
Complaint_ID: since the invitation was targeted and addressed to me
Consumer_narrative:
I was sent a personalized invitation for an AMEX Gold Delta Skymiles card with a XXXX mile bonus. I applied and was approved and, in good faith, met the spending requirements for the bonus miles. When I discovered I had n't received the bonus miles, I contacted AMEX and was told that since I had the " same '' product 7 years before

Company_public_response:
 I was n't eligible. I told them that it was impossible for me as an invited consumer to determine that a card I had that long ago ( and for which they could provide no documentation that I had received a bonus ) made me ineligible. They admitted that the previous card had a different interest rate and different terms

Company_response:
 she acknowledged that they knew I was "" ineligible '' when they approved my application and felt they had no obligation to inform me ( or to get back to me about my inquiry

Consumer_disputed:
 thus inducing me unfairly to spend towards the threshold without any intent of issuing me the bonus miles promised to me personally in the promotion. In fact


Issue: a late fee
Complaint_ID: Yes
Date_received:
XXXX recently " aligned '' its billing across company divisions which resulted in the due date for my phone bill coming 5 days earlier in the month. If a large company like that can successfully communicate such a change to their customers

Product:
 why would a regional retail store refuse to acknowledge that they wish to have payment 2 days earlier each month? Of course

Subproduct:
 if they continue to charge any customer who fails to authorize payment ( bank draft ) more than 2 days before the stated due date


Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Synchrony Financial
Subissue: NC
Consumer_narrative: 280XX
Company: Consent provided
State: Web
ZIP_code: 05/07/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
My accounting training is clear that transactions are recorded on the date they are completed. Revenue is recognized on the date of the transaction

Product:
 not the actual date the bank releases funds. In the same way Invoices are handled based on the date they were issued not some later date on which the invoice happens to arrive at the customer 's A/P department."


Date_received: 05/03/2016
Product: Debt collection
Subproduct: I do not know
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: ECMC Group, Inc.
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
These folks filed a garnishment on my wages. But, when I called to make arrangements before the first garnishment payment came out I was told they would stop the garnishment. They did not. When making the arrangements and signing documents I asked if I could print and fax the papers, so I had time to read them. I was told they could not have time to stop the garnishment if I did n't sign right now. I was told where to sign while an agent was on the phone with me on hold. I told them I needed to go but they insisted I sign all the papers or they could stop the garnishment. I signed the papers so I would not miss the opportunity to get the garnishment stopped. The following Friday my paycheck was short XXXX. I called them and asked what happened? They denied telling me the garnishment would stop. I was then told the garnishment would stop after XXXX on time payments. So I said you are taking 5 months of XXXX garnishment and my XXXX payments? they said yes. They said we will send a modification to reduce you garnishment to 5 %. They did not. I would not be near as upset about any of this until I got the documents detailing my arrangements request for additional documentation. They are charging me {$13000.00} on a {$10000.00} dollar loan. After 5 month of garnishment i will have only paid the their collection fees. And on top of that I have to send in more documentation before the arrangement is valid. They were calling XXXX5 times a day, weekends, and holidays. Making me crazy. They began calling my ex-husband and my daughter. I just do n't understand how they can garnish me and take payments at the same time and I am paying 30 % in collection fees on a Federal student loan.


Date_received: 05/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: M&T Bank Corporation
State: NY
ZIP_code: 117XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We fell behind on our mortgage because I had XXXX. I started the loan modificaiton process about a year ago. I submitted everything that was asked and was denied at first, then offered a repayment plan way beyond our budget, reapplied and was finally approved for about {$100.00} less than my original mortgage payment. I entered into the 90 day trial and made my first two payments on time. Right after I made the second trial payment with about 31 days left in my trial payment period I was called by my bank which is M & T Bank and advised that there was an issue with my title. They advised there were liens that needed to be cleared within the next 30 days in order for my trial period to be made permanent. We were unaware of these judgement 's but immediately reach out to clear. My single point of contact said that I was entitled to dispute them but given the short amount of time before my trial expired he did n't suggest it, he suggested I satisfy them. I was able to satisfy XXXX out of the XXXX immediately. However the attorneys for the debt collectors took almost 2 months to file the paper work with the courts and remove the judgements. The third judgement when I called I was played a recording by the debt collector stating that the judgement had expired and that if I spoke to them I would be assuming the debt and it would start over as if it was day 1. They also sent me a letter stating the same. I sent all of this information to M & T. I was advised by s supervisor names XXXX that due to the great documentation that I sent that she would stall the modification,, her exact words and that I should continue as I had been and keep making my payments which I did. I made my XXXX payment on time again and three days later they withdrew my trial modification and are attempting to put my house into foreclosure. I purchased my home in XX/XX/XXXX. I have only 5 years left on my mortgage and only approximately a XXXX balance on home that has been appraised at XXXX. I am no longer ill, both my husband and myself are working and we are trying to do EVERYTHING we can, everything we ask to keep our home that we have paid for for 25 years. I have been lied to by M & T, I have been railroaded and they are not willing to help me retain my home in anyway. I asked for them to add the balance to the end of the loan, refinance, a permanent modification, anything that will help and they absolutely refuse after I have done everything within my power to become back in good standing. Next week I will be going to the XXXX county court to try to get the XXXX EXPIRED judgement removed. That judgement is so old there is no attorney on file and I cant speak to the debt collector or else the debt becomes active again and its from XX/XX/XXXX. I do not even know that it is mine because I can not obtain proof of debt from the debt collector. I feel M & T is not helping me because of the large amount of equity in my home and that they are trying to sabotage me every way possible to take my home. Please help me and guide me in the direction I can take to try and get M & T to work with me and help me save my home.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Maury Cobb, Attorney at Law, LLC
Issue: CA
Subissue: 902XX
Company_public_response: Consent provided
Company: Web
State: 05/13/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX, you were very kind over the phone when we spoke and I am asking you once again to keep through on your word and speak to your managers to quickly send me the letter that I urgently need to show that this account will be removed from my credit report with all XXXX bureaus, and to also submit that letter and request to the XXXX credit agencies so this can be removed ASAP.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: National Credit Adjusters, LLC
State: MO
ZIP_code: 631XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
they first contacted my tele # for my mother who has passed away and then asked for me. rep nor the manager XXXX could properly explain why they are calling me. yes I am upset because one they are calling for my mother is deceased and then because she wanted to talk quietly she threatens to hang up. they are harassing me on debt that was discharged. they is to be from XXXX XXXX I do not even recognize this company.


Date_received: 06/29/2016
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: HCFS Health Care Financial Services, Inc.
State: FL
ZIP_code: 334XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on XXXX XXXX and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.


Date_received: 05/02/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: JPMorgan Chase & Co.
State: TN
ZIP_code: 381XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hello, My name is XXXX XXXX. I am well educated in finance and homeownership .I did go through the 2008 crisis. I do understand the XXXX main reasons the escrow accounts will go up. My issues are if your homeowner insurance is not even in ur loan ... .the city and county taxes have still same. Then why every year does my escrow account go up none of the reasons are ococcurring. I call chase they stated because my insurance and taxes come out at sametime but if i have the money and nothing has changed. It still should not go up every year my modification loan goes up some many years later i have a schedule but the escrow account seem to be a hide out to be robbed. Can someone pleaschange?


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: NC
Subissue: 282XX
Company_public_response: Consent provided
Company: Web
State: 04/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
when I told her that she proceed to said that she need to call me back because she did not have an answer for me at that point.the days went by and never heard from her, so I decided to call her back to see what was going on. she answer and told me that she can not do nothing because the loan officer XXXX


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Loan Care
Issue: FL
Subissue: 342XX
Company_public_response: Consent provided
Company: Web
State: 07/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
IN ADDITION THEY VIOLATED THE 45 DAY RULE BY NOT INFORMING US OF ESCROW FRAUD ON LOAN ORIGINATION AND ANOTHER 45 DAY VIOLATION BY NOT INFORMING US OF FORCED INSURANCE WE WERE BILLED FOR


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
State: Citizens Financial Group, Inc.
ZIP_code: PA
Submitted_via: 152XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/04/2016
Complaint_ID: Closed with monetary relief
Consumer_narrative:
I received an offer from Citizens Bank for {$500.00} to open a checking account. I opened the checking account, met the offer requirements, and then waited for my bonus. Citizens has never paid me the {$500.00} bonus, citing " internal reviews '' every time I go to the branch to ask about the bonus or follow-up on payment. Meanwhile

Company_public_response:
 I 've been charged {$20.00} per month in service charges while waiting for this bonus for approximately 8-9 months."


Date_received: 04/27/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
ZIP_code: Nationstar Mortgage
Submitted_via: VA
Date_sent_to_company: 220XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/27/2016
Consumer_narrative:
In XXXX 2015 I requested a modification with my own Mortgage company call XXXX and the process from the beginning was with a loan specialist name XXXX XXXX. From the beginning she had been advising and directing and sending via email as well as mail the documentations to process. At that time I was further behind due to a scam that I was a victim of and she was well aware of this as well. Due to thinking I was being represented through this bogus company by the name of XXXX XXXX XXXX it made my account fall further behind. I finally proceeded to go ahead with Nationstar after realizing I was never represented and they were not dealing with Nationstar or making payments to them. Now I process my modification through her XXXX XXXX and I was told by her what to submit. Finally my modification trail amount was XXXX a month. I was so surprise as to why still so high not at all what I expected it to be. I would called them to make sure the payment was received or questioned why I was getting calls as a reminder. I wanted to make sure that my account was in good standing. Since XXXX XXXX is my loan specialist I did in fact express my disappointment about the amount of the modification. I was on my upcoming third month payment. In the process of the conversation I might add she is terrible at returning calls and chomping on ice and drinking whatever over the phone. Extremely unprofessional which if in fact if they do record conversations you can hear me telling her must be a good drink and you a chomping on ice. Either way I express my concern amount how the amount of my new mortgage really was n't what I would have expected and if it was XXXX or below it would have been very affordable. She indicated that I could do another modification in fact her words were reapply for modification which I was completely unaware of this process. So I asked more questions about it and specifically asked her what were my chances of having it lowered then the XXXX and I did n't want to jeopardize that amount to be a greater amount. She said no that it would be process and I just had to submit my proof of annuity that I received since they already had the other necessary documents. I inquired about the upcoming payment and she said " since I was applying for modification I did n't have to submit the last payment. I made it a point to tell this loan specialist that I did n't want it to jeopardize my request for modification by them saying I did n't pay. Once again she reassured me that it was n't require because I was on modification status again. Finally after waiting several weeks and checking in and a decision has not yet been made XXXX XXXX XXXX calls me in XXXX the latter part of XXXX to so call give me the wonderful news and that was now my mortgage was XXXX from XXXX. I was livid because exactly what I thought could happen did and now this so call loan specialist repeated herself the new amount which is higher and had nothing else to say or answers as to why it was higher. What was the point of me doing this going according to her

Company_public_response:
 I ended up paying more is this part of their tactic. She told me to write a letter via mail to the customer relations dept.

Company:
 which I did and they would make a decision. Well this department decision was base that I did n't pay the last payment when I was on the first trial modification loan status. I included the reason as to why just incase this was what it would base on and never would I have done that. Once again I listened to bad advice and ended up with a bad result."


Date_received: 05/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: he said that he spent a long time in school and deserved the outrageous charge
ZIP_code: Equifax
Submitted_via: MD
Date_sent_to_company: 208XX
Company_response: Older American
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/17/2016
Consumer_narrative:
Over five years ago a physician spent 5 minutes diagnosing an XXXX in the XXXX, for which he charged {$5000.00}. The " analysis '' also proved to be incorrect -- a XXXX existed that he did not "" find. '' When I disputed the amount and the result

Company:
 and denied the misdiagnosis despite the fact that subsequent XXXX resulted in XXXX and a prolonged recovery. The insurance company subsequently paid him several hundred dollars and he sent me a bill for the co-payment. The remainder of the {$5000.00} charge was likely written off as "" bad debt '' on his tax return."


Date_received: 05/10/2016
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: FL
ZIP_code: 342XX
Submitted_via: Older American
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 FILED A SERIOUS COMPLAINT AGAINST XXXX FOR SELLING DEFECTIVE COMFORTER TWICE TO ME AND REFUSING TO EXCEPT IT ON RETURN. I WANT TO KNOW IF ANYTHING IS BEING DONE? AS THEY PUT A LIE ON MY CREDIT REPORT OF {$140.00}. I OWE THEM THIS IS A RIGHT OUT BLAT EN LIE, I DO NOT OWE THEM FOR SELLING ME A DEFECTIVE COMFORTER


Date_received: Point in case : " PORTFOLIO RECOVERY ASSOCIATES AKA XXXXGood news
Subproduct: XXXX. XXXX page with XXXX complaints in a government action from the State of New York. ''"
Subissue: Portfolio Recovery Associates, Inc.
Consumer_narrative: TX
Company_public_response: 774XX
Company: Servicemember
State: Consent provided
ZIP_code: Web
Submitted_via: 05/19/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Product:
 they got slapped hard for XXXX XXXX recently : Also the NY AG slapped them again it seems : ... in new york CFPB fines them for lying : - ... lect-bad-debts/Posted in : I have to wonder why an allegedly legitimate business would need so many phone numbers to call out on? Make sure you read how they just lost an XXXX XXXX dollar lawsuit. Make sure you read how the NY AG spanked them bad on XXXX XXXX


Date_received: 06/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
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: CA
ZIP_code: 941XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
What happened to my XXXX XXXX, 2016 's alert email? In XXXX XXXX, 2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, back in XXXX XXXX, 2016.


Complaint_ID: Yes
Date_received:
As I had reported to you in extensive detail, GTS had been decimating my credit with bogus allegations of missed payments, and harassing me with an incessant barrage of phone calls ( including Sunday evenings ) harassing and threatening me to submit to signing an asinine, " so-called loan modification '' proposal they had offered in a complete bait and switch to the original modification I had XXXX initially underway with XXXX XXXX XXXX


Complaint_ID: Yes
Date_received:
After a couple of years of this incredibly enervating hardship causing damaging physical and emotional stress

Product:
 coupled with my finances being eviscerated by GTS 's mysterious mishandling or theft of my submitted mortgage payments


Date_received: However
Issue: and am writing to inquire XXXX of that decision 's status
Subissue: and to inquire how I as a genuinely impacted citizen and homeowner ( and
Company_public_response: got away with. My credit
Complaint_ID: Yes
Product:
 I recently read that CFPB had dutifully enacted penalties to GTS/DITECCHXXXX pursuant to their collectively abusive "" lending practices ''

Subproduct:
 and whereupon compensation payments were supposed to be awarded to impacted homeowners such as me. I have only just learned of this today. I have NOT received either notice of or any payments of restitution whatsoever

Consumer_narrative:
 XXXX XXXX veteran ) can receive compensation for the XXXX that these lending companies pulled and for too long


Date_received: 05/12/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Problem with fraud alerts
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: 05/12/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
MY IDENTITY WAS STOLEN SO A FRAUD ALERT WAS PLACED ON MY CREDIT. I AM NO LONGER ABLE TO OBTAIN A CREDIT BECAUSE THE TELEPHONE NUMBER ON THE ALERT FILE IS WRONG SO THE CREDITORS ARE UNABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED TO CORRECT THE WRONG INFORMATION BUT WAS UNSUCCESSFUL.


Subproduct: JPMorgan Chase & Co.
Issue: CA
Subissue: 908XX
Company_public_response: Consent provided
Company: Web
State: 05/19/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I been on phone calls ( all recorded ) with both banks regarding the issue. On XXXX/XXXX/16 I had both banks on a conference call from the Dispute department no solution. On XXXX/XXXX/16 I went into Chase and spoke to manager XXXX he said he will escalate the issue and would have a respond in XXXX hrs. XXXX/XXXX/16 Spoke to manager XXXX stated "" they found the problem and that the money was return to XXXX XXXX on XXXX/XXXX/2016. XXXX/XXXX/16 I call XXXX XXXX Dispute department spoke to XXXX and she said according to the investigator no solution yet and that my case did not qualify for the provisional credit and that it will take 90 days. I ask why have I not received any update or why can I speak to the investigator cause according to Chase the problem was found and money was back to XXXX XXXX on XXXX/XXXX/16."


Date_received: 04/01/2016
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: Afni, Inc.
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was contacted by a collection agency today called XXXX in regards to a fruadulant debt from XXXX XXXX. They claimed I owe XXXX over XXXX dollars for a service I never ordered. They claimed that I have this service in my home and are not paying for it. I had received a box in the mail back in XX/XX/XXXX from XXXX. I called them to ask what this was about. They told me to ship it back free of charge, but to go the XXXX store. We did the next day. We continued to receive bills in the mail. I would call them and explain to them that I never ordered XXXX and their is a mistake. Each time I called when bills were coming in, the customer service said that it was a mistake and it would be taken care of. Now the collection agency has called me twice in the last few days. When I said I do not have XXXX that I have XXXX/ XXXX they did not believe me. I have had XXXX for over 23 years. XXXX today directed me to Identity Theft. And they directed me to you folks.


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: 087XX
Company_public_response: Consent provided
Company: Web
State: 03/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Now at this time my house is scheduled for a Sheriff 's sale on XXXX XXXX, XXXX. My wife and I have been on one big emotional roller coaster. We have been distraught, suffered, and continue suffering from XXXX and XXXX anguish caused by the deceitful practices from our lender, Wells Fargo. From the beginning they have played cat and mouse games far from any and all 'good faith ' practices required by them. It is my hope to receive the help we were and are entitled to yet have been denied due to the deceitful and manipulative practices by this lending giant. We believe we have a case against Wells Fargo that entails deception, fraud, emotional distress and mental anguish. Thank you.


Date_received: 05/06/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Unauthorized transactions/trans. issues
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: AL
ZIP_code: 357XX
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 purchased several Mastercard prepaid debit cards in order to pay my utility bills. When XXXX was declined, I contacted the issuer and learned that XXXX of my cards had been registered in somebody else 's name and used to make small charges at a local government office in a different state. At the time of purchase the packaging had been intact and I had not previously opened or attempted to use the cards. Based information posted on the internet by other consumers as well as the large volume of CFPB complaints with the same issue ( XXXX in XX/XX/XXXX and XXXX XX/XX/2016 ), there seems to be a widespread issue with the security of these cards.


Date_received: 05/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Selene Finance
State: WA
ZIP_code: 986XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX serviced transferred a loan during a loan mod review 2 weeks before foreclosure deadline. We had been under going a review atleast 2 months 6 weeks before and file was complete. When we called Selene Finance whom the loan was transferred to, they said loan mod was denied and no time for any other options. I requested a last ditch effort to atleast help client get a short sale approved in order to avoid foreclosure, and they have never tried to postpone a sale before. This is their first Foreclosure date and we are asking Selene Finance to give us one shot at this. The seller is single, with XXXX kids, XXXX with XXXX, and they have nowhere to go. I 'm pleading your help to get Selene Finance to grant a short sale review and relocation assistance if possible she can qualify.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company: National Credit Adjusters, LLC
State: OH
ZIP_code: 450XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Have received numerous calls from. National Credit Adjusters but no voicemail as to what they were calling for ... I called the number back and the representative i spoke with was one of the most rudest people I have ever spoke with ... .when he answered I could n't understand bis name..I stated I 'm sorry what was your name..he stated to me very loudly and rudely MY NAME IS XXXX!! WHAT IS YOUR NAME AND WHAT DO YOU WANT!!! I stated that i have received numerous calls from this number and was inquiring as to why they were calling..he repeated my number back and stated that owed XXXX XXXX..i told him i needed some verification of this debt..be said that they have sent me out numerous letters..told him I 've never gotten anything..he said..yeah sure..that 's what they all say..he said listen up miss..we have had it with deadbeats like you..my company is going to have you arrested for cashing a bad check with XXXX ... I told him I do n't intend on paying anything without some validation..he said we have sent you out eveything you need to know..next step is the local authorities will be notified of this. ..and arrest you..I told him..well I 'll be sitting here waiting..thank you. Have a nice day..and i hung up..he immediately called back and gave me a case # and said good luck deadbeat ...


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company: TD Bank US Holding Company
State: PA
ZIP_code: 190XX
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 a home equity credit line secured many years ago with now defunct XXXX XXXX. TD Bank took over the loan and began annually requiring a myriad of financial information that was never requested by XXXX. The loan is in good standing and my FICO score is excellent. I consider this age related harassment ( I am over XXXX years old ) and want TD bank to cease this annual harassment ritual


Date_received: 05/04/2016
Product: Mortgage
Subproduct: FHA 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: TN
ZIP_code: 374XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
On my mortgage statement on XX/XX/XXXX, i noticed an escrow shortage of XXXX. So on XX/XX/XXXX, my husband sent a check to the escrow department through his bank ( XXXX XXXX XXXX XXXX XXXX ) in the amount of XXXX. The escrow had to be paid by XX/XX/XXXX. Before i paid my escrow my mortgage payment would have been XXXX for XX/XX/XXXX. However, after i paid the shortage, my payment should have been XXXX. I noticed my payment had not changed. So, I contacted Ditech to inquire about this matter. I was told it had been corrected. Nevertheless, the site is still showing my escrow has not been paid. On XX/XX/XXXX, my husband sent a check for XXXX then on XX/XX/XXXX another check was sent for XXXX. Moreover, another payment was sent on XXXX on XX/XX/XXXX. I have spoke to XXXX different representative at Ditech to try to get the issue resolved. In fact, the last XXXX representative XXXX ID # XXXX and XXXX ID # XXXX who i spoke to on XX/XX/XXXX told me they were sending an email a supervisor to get my account corrected. So i checked the website to see if it had been corrected and found no change at all to my account. I called Ditech again today spoke to XXXX who said she did not have an ID # who said she was putting in a request to have my account corrected. I am really frustrated. So i asked to speak to her supervisor XXXX ID XXXX at call center in XXXX XXXX, XXXX XXXX I ask if she could see where a request had been made to re-allocate the money i had sent them. Oh course, she stated she saw the request.However, i have been told a request had been made so many times that i do not believe anyone is correcting my account. So, i asked for the representative who was assigned to my account XXXX # XXXX. I told her how many representative i had spoken to and how long i had been waiting to get my account corrected. She was rude and overtalking me saying there is a process and she can not snap her fingers and fix the program. I advised her that i paid my escrow on XX/XX/XXXX so how long should it take. She just kept talking over me. So i asked to speak to her manager, XXXX, Collection Manager, who said she did not have an ID #. These people are rude and does not care about resolving issues with their customers. My statement is always incorrect. I believe they purposely make the statements look like their customers are late on their payments so we can not move our mortgage to another mortgage company. It is deceitful. I have asked each representative to send me an email verifying they are having my account corrected but they all said they can not send me an email detailing our conversation. Can i send them a validation letter? I need something done about this mortgage company. My statement is still showing i have not paid my XX/XX/XXXX payment when it paid on XX/XX/XXXX and my escrow has not been paid. Furthermore, i have paying late changes they say the mortgage company before them said we owe. Bad Company ... Beware ... .just like Greentree Servicing ...


Date_received: 06/29/2016
Product: Consumer Loan
Subproduct: Personal line of credit
Issue: Shopping for a line of credit
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: 305XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
sears used my personal info to open a home improvement account in my name and my credit rating dropped by XXXX points the sales manager committed fraud i only called them for an estimate


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: WI
Subissue: 543XX
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
The summary of my complaint is Wells Fargo changed the terms of our agreement without notifying me, and they apply an unfair amount of my payment to an account where it is n't required with the purpose of collecting an extra amount in interest.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Medical
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: First Investors Financial Services Group, Inc.
State: IN
ZIP_code: 474XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have been getting at least 5 calls a day from this company and they are leaving more than one message a day.


Date_received: 07/01/2016
Product: Mortgage
Subproduct: FHA 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: U.S. Bancorp
State: AR
ZIP_code: 722XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
US Bank Mortgage is refusing to report my account to the credit bureaus indicating the reason they are not reporting the account is due to the statue of limitations related to Chapter XXXX Bankruptcy that was filed in error in XX/XX/XXXX. The Chapter XXXX bankruptcy was never confirmed and the case was closed due to the error. I did however file a Chapter XXXX Bankruptcy in XX/XX/XXXX that was paid in full and discharged in XX/XX/XXXX. MY US Bank mortgage account was reaffirmed and the account is still open and active. The account reported to the bureaus through XX/XX/XXXX however it was deleted at the request of US Bank in XX/XX/XXXX. I have made several request to reinstate reporting but US Bank is refusing. The account is being paid on time and I would like it to report to the credit bureaus. I receive monthly statements which reflect payments I make and can provide those If needed.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Alorica Inc.
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have asked West Asset Management to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and 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: 05/11/2016
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: Select Portfolio Servicing, Inc
State: NY
ZIP_code: 119XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Modify my loan in 2014 Select Portfolio Servicing ink agreed to take off late payments after modification was approved this never happened it 's affecting my credit score terrible they committed a felony conspiracy to commit fraud conspiracy to commit extortion Insperity commit and Corruption


Date_received: 03/21/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
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: Ally Financial Inc.
State: PA
ZIP_code: 191XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I receive at least 10 calls a day from Nuvell Financial. When I pick up they say please call certain number. When I let the answering machine pick up they leave no message.


Date_received: 05/19/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Capital One
State: NC
ZIP_code: 288XX
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:
I responded to a letter from XXXX XXXX XXXX regarding an alleged debt by sending them specific demands for legally required paperwork they MUST provide as per The Fair Debt Collection Practices Act. All they sent me back were statement copies. The Federal courts have already ruled that statement copies alone do not meet the standard for validation of a debt by a debt collector


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: JPMorgan Chase & Co.
State: NJ
ZIP_code: 074XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase is reporting my Mortgage as 90 Days Late in XXXX 2015 to both XXXX and XXXX. My mortgage was sold to XXXX XXXX on XXXX XXXX, 2015 - see attached Chase goodbye letter. I called Chase and spoke with six different people before getting someone in Escalations. I made my XXXX 2015 payment to XXXX and provided this proof to Chase and Chase continues to report data on my mortgage after the transfer date. The XXXX data was initially removed from the reports then was put back on the reports after I wrote them and stated if this doesnt get resolved I am filing a complaing with the CFPB.


Subproduct: Caliber Home Loans, Inc
Issue: NJ
Subissue: 080XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/19/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have employed XXXX lawyers, have followed their advice, and here I am eight years later right where I started. Something has got to happen now! Please help!


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Financial Recovery Services, Inc.
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is just a few of so called debt collectors trying to confirm my personal information. The person that called me today was trying to confirm the last XXXX of my SSN. These companies are trying to collect for accounts that have passed the 7 year mark of debt and they are ruthless over the phone. This XXXX in particular told me I did have a personal business matter with them and I had to comply. I ask them who their company was and they told me it was FRS located in Minnesota. After that I told them that I do not have any business with them and and now I would report them CFPB. I receive XXXX to 4 calls a day with harassment. Like I said my debt was pardoned and I am no longer liable for that old debt which they are trying to collect.


Date_received: 04/08/2016
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: Platinum Holdings Group, LLC
State: VA
ZIP_code: 236XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX I receive a phone from a Paralegal/Admin Officer name XXXX XXXX who states he works for company that collect debt for XXXX XXXX XXXX XXXX XXXX which I did owe. However I was not able to finishing paying because I lost my job around that time. Im currently working and I made arrangement with XXXX XXXX telephone number XXXX. From XX/XX/XXXX to XX/XX/XXXX. I have been make payment arrangement to settle my debt with XXXX. XXXX XXXX states my last payment will be XX/XX/XXXX and they will email me the balance and completion letter so I can give this information to the credit bureau. However a few weeks back I receive a call from the real debt collection that handles Debt Collection for XXXX Jewelers. I spoke with XXXX XXXX telephone number is XXXX. She states that I fail to pay and settle for XXXX. I explain to her that I having been making payment and told her the people I 've been dealing. She research the matter and stated that they are a fraud/scam and been taking my money. I being paying more than I owed. She advised me to contact my bank institute to discuss this matter. I check my bank statement and the company that been taking my money is called Premium Asset Services recovery. She research that name and they are a scam as well. From XX/XX/XXXX to XX/XX/XXXX I have been making payment arrangement to a company that has been taking of advantage of me.


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: not to mention jeopardizing our relation with those creditors. Secondly
ZIP_code: who is in her XXXX
Submitted_via: is currently with her sister on travel
Company_response: ESPECIALLY A CUSTOMER THAT HAS BEEN WITH YOU FOR 30 YEARS!"
Timely_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_disputed: Bank of America
Complaint_ID: CA
Consumer_narrative:
Bank of America attempted to get updated information and, when they did not get it, they froze our account. First all the information, the information they wanted was updated " physical address '' information

Company_public_response:
 where requests were made through email. My wife and I have been Bank of America customers since 1986. They should have phoned us if they were going to freeze our accounts. By freezing our accounts they 've knocked out check transactions that will have to be resubmitted and that will probably end up with additional charges from various creditors

State:
 my wife 's mother 's account is also with our accounts and also got frozen. Her mother 's account is with us for various reasons but is still her mother 's account. Her mother

Date_sent_to_company:
 helping her sister recover from a recent XXXX XXXX. My complaint is this ; YOU DO NOT DRACONIANLY STOP SOMEONES FUNDS BECAUSE YOU 'RE NOT GETTING INFORMATION YOU FEEL IS EXTREMELY IMPORTANT TO YOU AND JEOPARDIZE THEM FINANCIALLY OR WORSE


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: CO
Subissue: 802XX
Company_public_response: Consent provided
Company: Web
State: 06/30/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I am very distressed that Experian has included this INVALIDATED information in my credit profile due to its damaging effects on my good credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only 100 % accurate and verifiable credit information. No doubt the inclusion of this invalidated, inaccurate information is a mistake on EXPERIAN 'S part. Because of the mistakes on my credit report, I have been wrongfully denied credit recently, which was highly embarrassing and has negatively impacted my lifestyle


Date_received: 06/29/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: LLC and has been on my credit for several months. Due to the contract between XXXX and the City
Company: I am not responsible for the bill."
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Escallate, LLC
Submitted_via: IL
Date_sent_to_company: 606XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 06/29/2016
Consumer_narrative:
XX/XX/2015 I was injured at work, laborer for the City of XXXX and received medical treatment at XXXX Hospital. When I arrived I brought them a " blue card '' which is the alert for the city to handle the injury bills as well as the doctor and nurse signed off that i was hurt on the job. The City and XXXX have a contract that XXXX services all it 's employees and bills only the City if within working hours and if deemed a work injury. the bill was moved to Escallate 


Date_received: 05/11/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Company: Navient Solutions, Inc.
State: GA
ZIP_code: 306XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Navient is calling my work. I have explictly told them I am not allowed to have calls at work and to not call me here. They have also sent numerous faxes to my work with my personal information for everyone to see, my full name, social, and birthday, and requesting my employment information without permission or subpoena.


Date_received: 05/16/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Company: Navient Solutions, Inc.
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XX/XX/XXXX or XXXX XXXX, I contacted Navient ( formerly XXXX XXXX ) to request copies of my promissory notes for XXXX private loans that were financed through XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. ( For context : I graduated in XX/XX/XXXX. I am currently repaying said loans, and have never missed a payment. ) Navient said that the only way for me to obtain the notes was via mail after they submitted an internal request that they expected would take about two weeks to process. I never received the notes, nor any other communication from Navient. In XX/XX/XXXX XX/XX/XXXX, I again requested my notes from the company. As of XXXX XXXX, XXXX I have not received them.


Date_received: 03/19/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company: World Acceptance Corporation
State: IL
ZIP_code: 613XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/19/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
First of all when I was approved for the loan it was more the payments a month were more than they were supposed to be % wise for how much I was earning. The company had also contacted my place of employment after both I and a manager asked them not too seeing it was my place of work, they also have contacted a few of my referrals trying to get a hold of me even after I told them to stop calling my work cause I was no longer employed there, possibly one of the reasons why I was let go. I have also told them to stop calling me EVERY DAY sometimes multiple times a day they would call because I do not have any income or help that I would be able to pay them, I told them when I get money you will get it. They have left messages after messages on my machine and one unfortunately my husband deleted due to him being upset they were still calling but in that one they were trying to get me to call them back saying they had me down a s a " reference '' which I know was a lie cause nobody I know would get a loan thru them."


Date_received: 05/14/2016
Product: Credit card
Issue: Billing disputes
Company: Capital One
State: MD
ZIP_code: 207XX
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:
XXXX XXXX reported my credit card ending in XXXX as 30 days late for XXXX 2016. I made my payment using the app. They had just upgraded the app with new features. I added a new bank account and made my payment using the new app. They called me a few days later telling me that my payment was returned. I told them that this was not possible. I asked which account did they use they advised of my old bank account. I explained to them that I added a new account. I explained that it must have been an error with the app. I made a new payment and was assured that I would not have a problem. I just checked my credit and they reported me 30 days late. I plan to litagate this matter. I closed all of my accounts with them. The agent I spoke with tonight admitted that he could see the mistake, however after he spoke with a supervisor he came back and said he could no longer get the item corrected and that I had to do a dispute. His supervisor advised him that my account is reporting accurately.


Subproduct: Ocwen
Issue: MD
Subissue: 210XX
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:
fabricated allonge signer XXXX fabricated signature fabricated the assignments are these above the law to forge notes through the use of modern technology


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
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: SC
ZIP_code: 290XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Bank of American is charging fees in excess and not authorized with the business banking account with XXXX XXXX. We are not to have a monthly business fee if we pay our bills using our debit card like a charge card which we have been. We also indicated to Bank of America that we do NOT want any overdraft protection and if there is n't money in the account we do not want the transaction authorized. They 've been denying this request and they been deliberately causing our account to go negative and charging in excess fees up to {$35.00} at a time and every few days once they start the cycle of charging an account into the negative. These transactions were not authorized nor where these fees.


Date_received: 05/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
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 Equifax procedure of removing satisfied judgments. The Plaintiff ask for {$4200.00} you can see that at the top. Please pay close attention to the document you can clearly see that I only owe {$420.00}. The Judge only awarded them {$420.00} and below you can see my counter payments I made to the bill.


Date_received: 05/19/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: Fifth Third Financial Corporation
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my bank account with 53rd bank, routing number XXXX and account number ending in XXXX was given an overdraft coverage for my withdrawals with a per-overdraft-item charge of {$37.00}. This coverage l have had since l opened the account with the bank for almost if not over XXXX years ago. Suddenly the bank cancelled this coverage without given me a proper notice so that they can return any over-drafting-item and still charge me {$37.00}. Please l need to know how legal this is and would like to know how l can get all my money in these charges back? I will provide all relevant information necessary for this investigation if need be


Date_received: 04/06/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: GA
ZIP_code: 310XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I sent a large principle payment around XXXX/XXXX/16. Nationstar returned the payment because they did not know what to do with it. I then called and spoke with a lady and she said it would be easier for them to debit my account for XXXX separate amounts to make the total amount. They ended up applying some of my principle payment to my monthly payments. I was making this large payment because we were selling the house and closing XXXX XXXX. when i realized my payoff was not correct i called to find out what the problem was. THey has applied XXXX extra payments so i was paid up through XXXX. They said they would reverse the payments and send a new payoff. and this would take 24-48 hours. After waiting 3 days the law firm had not received the payoff. SO i called again. I would also like to mention that it takes an act of congress to actually get someone on the phone when calling nationstar and my calls were being forwarded to the same person ( XXXX XXXX ) who has still not returned my calls as it is now XXXX XXXX. Once i called and got a person on the phone they informed me that only XXXX of my payments had been reverse and this would again take 24 hours to process. I asked if there was anyway I could have his direct number to contact him the next day to verify that it had been taken care of. He assured me that he would personally check on my account and call me by XXXX the following day. At XXXX the following day i had not received any calls from Nationstar nor had the law office received a correct payoff. I made multiple calls that day to try to get someone on the phone and was never able to get anyone or a call back. i then sent a message through the website to ask for a person to contact me. I received an email that someone would call me within 3 days. I still have not received that phone call. To make a long story short because of the mistake by nationstar i had to pay more at closing that was need and never received a correct payoff. I think that this service is unacceptable and caused a lot of financial hardship for my family during this time. At this time I would highly recommend that no one establish a relationship with this business. And i have yet to be reimbursed from Nationstar.


Date_received: 05/14/2016
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: NY
ZIP_code: 121XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My complaint is against Trans Union credit agency, I 've disputed this company three times ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/2016 ) regarding the same issue. Each dispute has been open longer than 30 days with no solution and no resolve. I have spoken to numerous supervisors including a XXXX XXXX. Trans Union is keeping an open, active status on an account that has been PAID. XXXX Balance, and closed. They refuse to investigate the matter and upgrade their records. The company that held the Collection is called XXXX. I have receipt of it being a Closed Collection. Trans Union has been difficult and negligent in this situation. I 'm am currently shopping around for personal loans and banks are questing me about the XXXX collection that has n't been closed out. Even on XXXX its reporting a open collection which is bring down my score.


Date_received: 04/15/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
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: NC
ZIP_code: 272XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
IN XX/XX/XXXX I purchased a truck ( joint account ) from XXXX XXXX now XXXX. I purchased this vehicle for someone so it was never my primary truck. he never made good on it so the payments was always late. as far I can know, there has n't been any activity on this acct since XX/XX/XXXX. I 've ask both the XXXX and XXXX to provide me with a payment history so that we can correct and update the DOFD ( date of first delinquency ) to determine when the negative reporting would be removed. that date keeps changing, first it as XX/XX/XXXX, now its XX/XX/XXXX. XXXX reported that I made a payment on XX/XX/XXXX. I asked them to verify that payment, because they could n't they removed it but added other dates to assumed that I had activity on this account. in XXXX XXXX they sold the acct to XXXX and they reported before I ever received mail of who they was. they are also reporting with the same info as XXXX as if this is a new account. im making a complaint to because I believe they are Re-aging my account to continue making negative reporting. as of today the DOFD ( date of first delinquency ) is XX/XX/XXXX which on the statement I provided to them is there maturity date. also they added a major delinquency date as of XX/XX/XXXX. not sure what that is but all this negative reporting has caused my report to look like I 've opened up a new acct and decreased my credit score again.. I would like for them to correct those dates and any points that have been removed be added back. I have worked hard to rebuild my credit In other areas and this has affected it again. I know that re-aging is illegal. the PDF file is the XXXX investigation and a statement from XXXX of the late payments and the XX/XX/XXXX is there maturity date and not the DOFD ( date of first delinquency ) I 'm requesting a payment hx from XXXX to verify the DOFD reported on my credit file ... the date of XX/XX/XXXX is incorrect


Date_received: 05/08/2016
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: WI
ZIP_code: 544XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I applied for a Citigold checking account in XXXX 2015 with a promotion that if I open the account and use their bill pay feature for 2 months in a row I would get XXXX Thank You Points. I completed all of the requirements and then chatted with a Citi representative to confirm that the bonus had been applied. I was told it had and only had to wait 90 days for the points to post to my account. After waiting, the points never posted and thus I messaged Citi again to see when they would post. I then got an email from Citi stating that no points would be given as no bonus had been applied to my account. After being told I would be given the points, waiting and then finally not being given the points I signed up for, I feel this was not fair and thus wanted to file a complaint.


Date_received: 04/26/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Integrated Recovery Services
State: MO
ZIP_code: 641XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Keep contacting me about a debt that is not mine and belongs to my adult son who does not live with me and is not a dependent.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Consumer_narrative: I just spoke to " XXXX XXXX XXXX
Company_public_response: XXXX XXXX XXXX XXXX
Date_sent_to_company: despite both being attributed to this same address. Naturally
Company_response: curious about that
Company:
 XXXX PA XXXX Phone ( XXXX ) XXXX '' after first XXXX XXXX XXXX itself at the number online. This phone number is not XXXX XXXX XXXX. See attached .pdf. This has been since at least XXXX XXXX. So

State:
 they provided no explanation as to why this happened to get on page XXXX of my credit file dated XXXX XXXX XXXX

ZIP_code:
 Confirmation # XXXX. While I am pointing out how that is a problem from a reinvestigation perspective

Submitted_via:
 I also want to not that I asked about another "" ( XXXX ) XXXX '' toll-free number at this address is not a number she recognized

Timely_response:
 called that number as well. All this is very disturbing considering that the initian Equifax disputes I submitted to them directly and also through the CFPB about XXXX XXXX XXXX

Consumer_disputed:
 were supposedly invesrigated and reinvestigated. This one cites "" original '' documents submitted by XXXX to Equifax. Low and behold the word "" original '' is not exactly correct then. Instead

Complaint_ID:
 fascsimile or manufactured copies seem to have been submitted. Based on the replies to the various replies received by all the companies and attached to those CFPB complaints


Date_received: 06/30/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Lakeview Loan Servicing, LLC
State: SC
ZIP_code: 296XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I recieved correspondence from a debt collector in whom I am unfamiliar with I asked them to identify themselves and who gave them consent to communicate with me. They appear to be debt collectors which mean they are governed under 15 USC 1692. After placing company under a demand letter and notice of dispute for verification and validation company has failed to respond appropriately and has violated federal law in their continued attempts of the illegal debt collection.


Product: XXXX XXXX
Complaint_ID: Yes
Date_received:
Notice to Correct Error Loan number XXXX Thursday, XXXX XXXX, XXXX XXXX AM XXXX as Unread From : " XXXX XXXX '' XXXXXXXXXXXX To : XXXXXXXXXXXX Full Headers Printable View XXXX XXXX XXXXDownload All PDFnccob response XXXX XXXX RE : XXXX Borrower Name : XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX

Subproduct:
 NC XXXX Dear Sir/Madam : This email is being sent in response to your counsel at XXXX notification that the property will be sold at a foreclosure auction on XXXX XXXX


Complaint_ID: Yes
Date_received:
Please be reminded that your office received a Notice to Correct an Error ( RESPA ) on or about XXXX XXXX


Complaint_ID: Yes
Date_received:
Your office has not responded to the error wherein your predecessor initiated the foreclosure before mailing the 45 day pre-foreclosure letter. In support of this failure to respond and as a means to show proof that actual errors occurred


Subproduct: Incomm Holdings, Inc.
Issue: IL
Subissue: 600XX
Company_public_response: Consent provided
Company: Web
State: 05/19/2016
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: Yes
Complaint_ID: No
Date_received:
under threat of a lawsuit in federal court a settlement has been offered, which i took. however this does not fix the problem nor has it made past victims whole. this database has likely been designed this way for years, and incomm has very likely screwed over many victims along the way who did not have the time, skill, and luck to determine the full scope of their negligence.


Product: so I was depending on that money to pay my bills. Frankly
Subproduct: I worked hard to save my money. For them to take up to 90 days
Issue: make me do all the legwork
Subissue: not contact me about this fraudulent purchase
Consumer_narrative: and so on
Company_public_response: is unacceptable for a company that calls themselves a bank. I will be changing banks today
Company: but I want my money back from Ally. I hope it will not take 90 days
Submitted_via: etc. I know how a REAL bank works
Company_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Timely_response: Ally Financial Inc.
Consumer_disputed: FL
Complaint_ID: 331XX
Date_received:
Frankly this is unacceptable. I have never spent more than {$300.00} - XXXX in XXXX purchase, and they are aware of this. I was XXXX in the hospital last week when the purchase was made, so I could not have flown across the country and used my card in California. No purchases have ever been made outside my state of residence. I do not know why that would not be a red flag to this company. I requested alerts of payment amounts over {$150.00} and I feel Ally bank has both failed me and " can not do much '' to get my money back. I explained to them that I am out of work for up to 90 days because of this XXXX

State:
 and I hope someone can help me escalate this issue. Frankly I have had my debit card stolen with a real bank

ZIP_code:
 with the same issue - they stole the digits not the physical card. That bank promised the fraud dept would get me my money back 7 - 10 days after the purchase went through

Date_sent_to_company:
 and Ally is not a real bank. I am disappointed in this service and disappointed with this outcome."


Subproduct: Harvard Collections, LLC
Issue: AR
Subissue: 724XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 09/02/2015
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This is unacceptable. I am a Soldier trying to get my finances on track and I am being treated like this over a medical bill. She was unprofessional and should be fired!


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Synchrony Financial
Issue: MN
Subissue: 550XX
Company_public_response: Consent provided
Company: Web
State: 06/28/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
*A difference of {$340.00} between the amount claimed I owe you and the high balance of the card listed.


Date_received: 04/19/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: we are only one month behind. In closing
Company: since we submitted our first complaint
Submitted_via: Nationstar Mortgage
Date_sent_to_company: IL
Company_response: 605XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
I submitted a complaint about Nationstar Mortgage to CFPD ( case number XXXX ) regarding their refusal to work with us regarding modifying our mortgage payments due to the hardship suffered pertaining to my husband 's job loss because of the sudden closing in XXXX, XXXX of the company that he had worked for years. Nationstar 's response was to submit to CFPD our payment history and a repayment plan from XXXX. The XXXX repayment plan was entered into prior to a XXXX illness which nearly killed my husband in XXXX XXXX -- and the subsequent loss of his newly aquired job ( XXXX XXXX ) due to the duration of the illness, XXXX, and XXXX assocated with the severity of the illness in XX/XX/XXXX. Nationstar was apprised of the illness and job loss -- and the XXXX my husband is required to undergo 3 times a week due to the XXXX XXXX he suffered as a result of the acute but devestating illness he endured. ( all of the aforementioned medical history is documented, and can be sent to you if necessary. ) In addition to continuing to flatly refuse to work with us to assist us in becoming current our loan -- in their reply to our complaint -- Nationstar defended its practice of continuing to send the intimidating foreclosure letters, harrassing phone calls, and the reports to all XXXX credit bureaus every 30 days -- and also erroneousy states that we are " approximately two months '' behind on our mortgage -- when in fact

State:
 we were informed that Nationstar has an "" XXXX '' rating from the XXXX with XXXX complaints rendered against them in the last three years. ( ratin scale is "" XXXX to "" XXXX ''."


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company: Navient Solutions, Inc.
State: CO
ZIP_code: 810XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In the year 2000, my identity was stolen. Since then I have made several police reports and sent them to XXXX XXXX to dispute my debt. XXXX XXXX stated on my credit report that the loans were written off by the government but then they were bought by Navient and now they are continuing to contact me and charge me late fees and keep these loans on my credit report. I have also done the necessary fraud packets and submitted police reports to them as well and they refuse to take the loans off my name and continue to contact me about this loan


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Sun West Mortgage Company, Inc.
Issue: OH
Subissue: 442XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I feel this is a shady practice and when looking for a mortgage carrier, would have never signed with them if I knew that I would be charged a fee if I have an insurance claim.


Date_received: 04/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: AL
ZIP_code: 366XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a state tax liens still showing on my report that was withdrawn in XX/XX/2011. On multiple occasions I have disputed this with Equifax , Providing Equifax with copies of the State Of Alabama Department of Revenue Release forms which states " A tax lien can be withdrawn and released by the department conditioned on payment in full ( which I will also attach here for you ) this tax lien has been paid in full but Equifax will only report it has been released. I have also verified with each county that the lien withdrawals have been recorded. Equifax continues to improperly report the lien. The other CRA 's ( XXXX ) removed the lien from my credit report immediately"


Date_received: 04/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
State: JPMorgan Chase & Co.
ZIP_code: MI
Submitted_via: 497XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 04/22/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I am a XXXX assisting a client with a modification. There are XXXX issues that are complicating the modification process stemming from new company/servicer procedures at Chase. First : The rep I have been dealing with has been very courteous and informative ; however, due to the " new company policy '' the direct phone extensions have been XXXX and other reps who answer my call are no longer allowed to transfer me to the case rep. which is making things very difficult as I have to explain the situation to multiple people ; many who are not as trained as well. This is a new procedure that has just taken effect over the last 2 weeks. Second : Although we have used the XXXX Loan Portal in the past when dealing with Chase

Company_public_response:
 none of the reps in the modification department seem to know how to access those documents and I have had to resort back to faxing them in."


Subproduct: Ocwen
Issue: MD
Subissue: 207XX
Company_public_response: Consent provided
Company: Web
State: 05/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Closed with explanation
Date_received:
Please help in persuading Ocwen to abide by the agreement contained in the letter the sent to me on XXXX/XXXX/16


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: TransUnion Intermediate Holdings, Inc.
State: DE
ZIP_code: 197XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
all current bills have been paid on time for a least a year. XXXX XXXX car loan paid off in full, some of my old accounts I am working on but there has been no significant change in my report, this is like watching paint dry


Date_received: 05/09/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: Commerce Bank
State: MO
ZIP_code: 633XX
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:
I recieved a check for {$550.00} dollars that was post dated XX/XX/2016. I deposited the check into a personal bank account on XX/XX/2016 with my bank, Commerce Bank . Funds were not available for the check when it was processed on XX/XX/2016. Commerce Bank proceeded to charge me {$10.00} for a returned check AND did not re-run the check. My account was never overdrawn and I was told that the check would be sent back to the originator by a Commerce employee on XX/XX/2016. It is improper for a bank to process a post dated check before the date on the check, charge an account holder for essentially doing nothing except mailing the check back to the originator, not re-posting the check on or after the date it was deposited and not communicating to me that the check would not be re-posted to my account.


Date_received: 04/04/2016
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: Experian
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/04/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Experian is improperly sharing my credit report after receiving the police report that I am a victim of identity theft. Furthermore, they will no longer give me online access so I can monitor any further credit inquiries on my account.


Issue: PayPal Holdings, Inc.
Subissue: NV
Consumer_narrative: 891XX
Company: Consent provided
State: Web
ZIP_code: 05/19/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
Every collector must send you a written " validation notice '' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money

Product:
 and how to proceed if you do n't think you owe the money. The last option was not give to me. Both companies attempted to hide information from the consumer. As you can preview from the documents attached- Paypal and XXXX XXXX violated - False statements Laws - indicate that papers they send you are legal forms if they are n't. I would like Paypal and XXXX to remove the information from my credit report and mark the balance as paid in full and close the account so no one else can attempt to collect the debt in which both companies violated debt collection practices laws and arbitration laws."


Date_received: 05/02/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company_public_response: Company believes complaint is the result of an isolated error
Company: Oportun Financial Corporation
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX Progreso know known as Oportun called to request a payment be made to my account and because I had fallen behind and I scheduled a payment to be taken directly from my current XXXX XXXX XXXX checking account. I agreed to have the payment taken from my account on XXXX XXXX, 2016 ; however, for whatever reason the young lady mistakenly processed my payment that same day and it was taken from my account on the wrong day after I had already gone into detail about the lack of funds available to process the payment any sooner due to my recent divorce. The payment had not been authorized for that day and she acknowledged that she had made an error on my account. Unfortunately, due to bank policies and fees my account was hit with XXXX seperate fees, each for {$35.00}. ( 1 ) for the initial draft of {$210.00} that was not authorized for that date ( 2 ) for a {$25.00} payment that was for a credit card I had scheduled my minimum payment for and only had the money needed to cover this charge and ( 3 ) an additional {$35.00} charge because the account stayed overdrawn for over 5 business days. I spoke to the Progreso now known as Oportun to inform them immediately about what would happen before the charges hit my account and they stated that the payment would not be paid, but I knew from previous banking experience that it would given my good history with the bank. I also informed them of my credit card payment being kicked back. I have requested a letter apologizing for the inconvinience in hopes to provide that to the bank and the credit card company but have been denied twice and as of yet have gotten no response to them crediting me back for the error they caused on my account. All they keep telling me is that they gave back the money for the initial error, but have yet to fix the other issue of the fees they caused on my checking account due to their error in posting a payment before the date it had been authorized. I have contacted them on a weekly basis since this happened and as of today any time I call, I have to explain everything every time. Nobody is taking accountability for the error their employee made and they definately could care less if I am out {$100.00} and are unable to provide an apology letter, but I do get letters asking for payment of a past due amount that is incorrect because they still owe me money too.


Date_received: 05/03/2016
Product: Credit card
Issue: Late fee
Complaint_ID: No
Consumer_narrative:
I received a letter from SunTrust Bank dated XXXX/XXXX/XXXX in which they announced a 37 % increase in late payment fees. Specifically, it reads " Based on changes in consumer price index


Date_received: However
Issue: he placed me on hold for 10 minutes. When he came back
Complaint_ID: No
Product:
 a look at the actual XXXX data provided by the XXXX XXXX XXXX XXXX clearly shows that the XXXX has been *decreasing* since the middle of XXXX

Subproduct:
 and has actually been running slightly negative in XXXX so far. I called SunTrust at XXXX and talked to someone by the name of XXXX who told me that "" this department does n't handle that ''. When I asked him to tell me who did


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: Experian
State: PR
ZIP_code: 006XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Somebody used my personal information to obtain a credit card from XXXX, account numbers XXXX ; XXXX ; and XXXX


Date_received: 06/30/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Penn Credit Corporation
State: PA
ZIP_code: 173XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Penn credit reported a new debt without contacting me directly. I would have asked for verification per law, and if verified paid it in full before it was added to credit report. I have never been contacted by this collection company for this account.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Company_public_response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company: I.Q. Data International, Inc.
State: OR
ZIP_code: 973XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I and my boyfriend moved out of an apartment we were told by our landlord that we would get an itemized list and move out report from her in a couple days, we never received XXXX, I sent a text message to our landlord after I had received a notice from a debt collector that I needed to pay an almost a XXXX XXXX dollar balance for our stay. I then asked my landlord when she would send out the itemized list and move out report which to she replied that she had not sent it out and would the next day. It has almost been a month now since we had moved out of the apartment and I still do not have any verification from my landlord or the debt collection agency, I had sent the collection agency a written notice that I disputed the debt and that I want to be contacted only via written notice, and for them to not call my phone. The collection agency has ignored this and has not sent anything via writing to my dispute and has instead continued to call my phone over seven times a day repeatedly.


Date_received: 03/30/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company: Integrated Recovery Services
State: CA
ZIP_code: 935XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
On XX/XX/2016 I received a call from someone who called herself XXXX XXXX from Integrated Recovery Services at XXXX. It was about my brother-in-law, XXXX XXXX. I told her we did not want to be contacted anymore about my brother-in-law. We are well aware of his poor financial choices, and do not choose to be a part of his downward spiral. She called back three times in the next five minutes and tried to lecture me about my attitude. I would like to file a complaint because one time was all it should have taken before this woman stopped calling.


Date_received: 07/01/2016
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: Synchrony Financial
State: NY
ZIP_code: 147XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been 30 days late a few times on my walmart credit card ( Through synchrony bank ) and I have phone records where the have called me 6-7 times a day ( including sundays ) for days upon days. I have told them to stop as it was a violation of law and have been hung up on.


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: JPMorgan Chase & Co.
State: NY
ZIP_code: 100XX
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 wanted to get foreign currency before a honeymoon trip from my bank Chase. The receipt did not provide insight into the amount -- in terms of fees and other costs -- that Chase was charging for the transaction. I requested {$350.00} USD in foreign currency. When I received the money I was surprised to realize that I was only getting about {$300.00} in the local currency. Chase pocketed approximately {$50.00} USD in fees! This was not a rush transaction, nor was there any special request. I asked why the fees they were charging were not clear. They said there was no way for them to do so. When I realized how much they were charging after the fact, I asked to cancel the transaction only to be told that I could not reverse the transaction without paying additional fees. I found this outrageous.


Date_received: 05/04/2016
Product: Credit card
Issue: Customer service / Customer relations
Company: Tidewater Finance Company
State: IL
ZIP_code: 601XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
tidewater finance company I have statement from this company {$.00} balance to due and at XXXX/XXXX/2016 and collection call me every day and harass me about payment to do {$26.00}, they told me {$26.00} is late fee, I do not see anything on my last bill statement, please help,


Date_received: 05/19/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
State: MI
ZIP_code: 482XX
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:
I just spoke to XXXX XXXX, a supervisor, at XXXX XXXX XXXX. She is mailing me XXXX credit card statements for XXXX. According to her, the reporting of time-barred accounts is both Equifax 's and XXXX policy. She told me they will be mailed from Delaware. She also told me that of the XXXX credit reporting agencies ( they provided me information about ) on their XXXX XXXX XXXX letter, that only Equifax refused to remove it. Let me remind Equifax , the FRCA does not allow indefinite reporting of an account closed in XXXX regardless of whether it is positive or negative reporting. But, in this case this SOLE credit account is and was never owned by XXXX XXXX XXXX to begin with. This is fraudulent time-barred reporting. FCRA does not allow such reporting in XXXX for an account closed in XXXX. As the stand-alone outlier, among all XXXX agencies, it is pretty obvious that XXXX companies need to comport with FCRA. My recent Confirmation # XXXX still continues to show this time-barred account. This is illegal. I will be contacting the XXXX in Georgia, where Equifax mailed this report, and supply them with my documention to get this fraud investigated.


Date_received: 04/07/2016
Product: Mortgage
Subproduct: FHA 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: NC
ZIP_code: 277XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My husband and I moved into our home in XXXX XXXX. We received a loan for {$63000.00}. Today my WellsFargo Mortgage is at {$40000.00} with an interest rate of 4.75 % and has a maturity date of XXXX XXXX, XXXX. I pay {$590.00} per month. I was diagnosed with XXXX in XX/XX/XXXX and was not working often due to XXXX and the XXXX so I had to get my loan modified so that I would not lose my house, but I thought my overdue balance was being added to the end of my loan and my interest rate was being lowered but it seems like I 'm being robbed. It seems like the amount I pay back will be a tremendous amount over what I should be paying back on this {$63000.00} loan. I feel like WellsFargo is robbing me could you please help me out and tell me if this right.


Date_received: Once again
Subproduct: when I called back the charge was not removed
Issue: and was actually paid out to the merchant. More phone calls
Subissue: finally resulting in
Consumer_narrative: yet another written request
Company_public_response: via fax
Company: to another XXXX XXXX XXXX area code number. Again
Complaint_ID: Yes
Product:
 called customer service who advised that it may have been a 'misread ' ( I pointed out that the card had been in my possession when it was supposedly used XXXX miles away ) and advised that I should "" wait a couple of days '' and call back to see if the charge was removed. Predictably


Product: access to a computer
Subproduct: copier
Issue: or a fax is unrealistic
Complaint_ID: Yes
Date_received:
This is ridiculous. The number of hurdles and barriers are far beyond the capacity of the average person to accommodate. For many


Date_received: If you search this card online it is pages and pages of "" rip-off reports '' and complaints
Product: and the stories are all the same
Subproduct: the cardholder goes to use the card and just before they use
Subissue: considering the exchanges I have had with this company
Complaint_ID: Yes
Issue:
 someone else has charged the balance off of it and trying to resolve it becomes a tangled maze of phone calls without resolution. At this point


Product: short of disconnecting their phones
Subproduct: to ensure that costumers
Issue: myself included
Complaint_ID: Yes
Date_received:
The level of incompetence and outright lies in my opinion is criminal at this point. XXXX ( on behalf of US Bank ) has done everything possible


Date_received: XXXX XXXX - call again
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: U.S. Bancorp
Subissue: CA
Consumer_narrative: 913XX
Company: Consent provided
State: Web
ZIP_code: 05/12/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 no option for mail request. Given diff. fax number not working either. Enough is enough. please help"


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: OneMain Financial Holdings, LLC
State: WI
ZIP_code: 546XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am late on my payment but continue to pay as I can. I have requested many times not to call me on this phone as I use it for work. They call every hour every day except Sunday and it interfers with my work. I have requested they they email me or correspond by mail. They only send form letters. I pay what I can, and can not seem to catch up due to a tax situation I am in .... I will lose my job if this phone abuse continues. I have requested verbally many times to stop the calls..


Date_received: 06/30/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Application, originator, mortgage broker
Company_public_response: I did find a XXXX bedroom and asked my USAA representative
Company: XXXX XXXX ( XXXX
ZIP_code: I was not the high bidder and lost the sale. Over the succeeding months
Submitted_via: other acceptable VA properties came on the market. Each time
Company_response: but I did speak to her colleagues
Timely_response: XXXX and XXXX
Complaint_ID: on XXXX XXXX
Consumer_narrative:
On XXXX XXXX 2016, I joined USAA as an automobile insurance customer. On XXXX XXXX, I used USAA 's online mortgage application tool for a VA loan. On XXXX XXXX, I was pre-qualified for $ XXXX. USAA 's website instructed me to " go out and place an offer '' on a property. I was searching for a condominium in XXXX and although the number of VA qualified condos are very few

State:
 ext. XXXX ) to provide my real estate agent an XXXX pre-qualification form to attach to my offer. She did so ( attachment XXXX ). Unfortunately

Date_sent_to_company:
 XXXX XXXX "" ran the numbers '' and produced ever increasing pre-qualification documents. ( Attachments XXXX ). My bids for these properties were not successful. On XXXX XXXX I called XXXX XXXX to see if it was possible for me to purchase a XXXX bedroom condo in the same VA approved building as the XXXX bedrooms I bid on earlier. XXXX XXXX was not in the office

Consumer_disputed:
 who assured me I could purchase a higher priced condo if I paid the difference between the purchase price and the now $ XXXX USAA pre-qualified amount. Luckily


Date_received: 05/05/2016
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: PA
ZIP_code: 171XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Citi Banks has failed to open an account under the Fair Credit Reporting Act. Citi Bank has failed to transfer funds under the Electronic funds Act, from the XXXX to, Citibank N.A.XXXX XXXX ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX.


Date_received: 04/07/2016
Product: Mortgage
Subproduct: Reverse mortgage
Issue: Settlement process and costs
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: AK
ZIP_code: 996XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My problem is with Wells Fargo reverse mortgage department. I was appointed the personal representative for my mothers estate and have been attempting to resolve the reverse mortgage with Wells Fargo for close to a year. I have followed all the guidelines set forth by Wells Fargo and they continue to stall, request documents many times over, tell me they have everything they need and then a week later ask for something new. The requests come XXXX at a time. I do n't think they know what they are doing. I need some help. Thank you


Date_received: 05/12/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
For no reason that they will tell me Barclays called me on XX/XX/2016 to ask for a copy of my social security card, drivers license, and a utility bill. Then before I could send anything closed my account anyways with no notice and no explanation. My credit is still over XXXX and I have never missed a payment to any creditor.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: TX
ZIP_code: 770XX
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 was notified of an unpaid collections of XXXX $ from XXXX dating back to XXXX XXXX for the first time XX/XX/XXXX. The person whom notified me was the broker trying to approve my home loan on the purchase of my first home. I do not have any XXXX and have been a Customer who has always paid on time for XXXX or any other product. The day I found out about the unpaid collection, I called XXXX and paid the XXXX $ 's. The Customer Service agent was unable to tell me what the outstanding amount was for but did let me know the Collection will no longer be showing on my Credit Report at all ( Paid or Unpaid ). I found a home XX/XX/XXXX and had my broker run my Credit Score to lock in my interest rates for my home loan, the XXXX was still there. From the beginning of XXXX until now ( XXXX XXXX XXXX ), I have called XXXX over XXXX times to get this issue resolved and off of my credit report. Their Customer Service has submitted and routed XXXX XXXX XXXX numbers incorrectly. Each Ticket # takes 30 days to process ; therefore, every new ticket # is starting my problem back to Day XXXX. I spoke with a colleague on my issue and he was able to give a phone number for a XXXX XXXX in which escalates your issue. On XXXX XXXX I submitted an Electronic Ticket ( XXXX # ) through this hotline in hopes of XXXX contacted the Credit Bureaus to get the Collections notice off of my Credit Report. This ticket # is listed as resolved in their Customer Service XXXX, XXXX informed me they contacted XXXX and Equifax to take this off of my report ; however, the existing problem is not resolved. XXXX will not give me any supporting documents where they have contacted these credit agencies and they also notified me it will take up to XXXX more days. After contacting XXXX Customer Service multiple times, submitting XXXX Resolution Requests, speaking with their Internal Credit Department, Billing, XXXX XXXX XXXX, and their Escalation department, I am stuck with dealing with a bad and erroneous Credit Score. Each month I will be paying XXXX $ 's more in interest on my home loan because of this. I was patient and understanding but now I am hopeless and mad. This issue should of been resolved in XXXX if it ever was an issue to begin with. Now I will be haunted with this issue every month for XXXX years.


Date_received: 04/22/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: OH
ZIP_code: 450XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I also want you the cfpb to know that I did a deposition for a lawyer out of texas, he is defending XXXX whistle blowers that use to work for ocwen and I came across some very interesting emails from ocwen laughing and joking at our situation.. a lady named XXXX XXXX and another lady lol with smiley faces one asking the other to get us a mod and the other one saying like that will ever happen lol with a smiley face at the end ... but since you guys have let them do this to my family since 2011 you probably think its funny too ... thas fine and now the have XXXX to foreclose on us right after our deposition and they are the ones making a joke of it ... that 's ok its things like this that make our cases bc no one else cares and that 's the truth ... shame on you cfpb


Date_received: 05/04/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Sallie Mae
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a loan from Sallie Mae XX/XX/2016 to help pay for my schooling at XXXX XXXX University in Alabama. The loan amount was for {$10000.00}. I am the primary on the loan and my grandmother is the cosigner. For the past three months ( starting XX/XX/2016 ), Sallie Mae has been hounding my grandmother and myself to start paying the interest on the loan. I told them that I am still a fulltime student at XXXX and can not make payments right now because I do not work. I told them that I would like to defer the payments until I graduated. I was told that I did not make that choice at the beginning of applying for the loan ; so I filled out a deferment form and faxed it to Sallie Mae. The calls stopped for a week, and then started right back. They were calling my grandmother five and six times a day asking her for money. My grandmother told them to stop calling and that we already faxed in the Deferment Form to Sallie Mae, however, each time se spoke with them, they gave her a different explanation as to why they still were calling and why the Deferment Form was no good. The customer service representatives for Sallie Mae, as well as the Managers my grandmother and I spoke with were rude and aggressive. My grandmother is XXXX years old and they were very disrespectful to her. I have an Aunt that is a debt collections attorney and she even spoke with Sallie Mae asking what exactly was the issue with accepting the Deferment Form ; however, when Sallie Mae found out she was an attorney, they told her that everything was fine and they would update my account to show that the Deferment Form was received and to stop calling. However, the calls started again a week after that phone call and are still continuing to this day ... even after my grandmother told Sallie Mae to stop calling and correspond with her only through mail documents.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Amerisave
Issue: IN
Subissue: 479XX
Company_public_response: Consent provided
Company: Web
State: 06/29/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
 XXXX| Underwriting reviewed your income and we ca n't use a lot of your income ; specifically the dividend and interest income. There 's not a two year history of it. I 'm unsure why it was even being used. However| I have talked to management and we are working on getting the full appraisal amount refunded back to you. You provided us the income documentation in plenty of time so it was just an error in calculation. I 'm really sorry as the only way I am paid is if your loan closes. I will confirm with you ASAP that we are getting you the appraisal amount back. I appreciate you being so proactive throughout the process. 

-XXXX 6 days from closing and then they said they made an error. I have spoken with the President| XXXX XXXX and explained my mistrust and anger at what the heck were they doing. He apologizes and then does a song and dance explaining that they had to go through guidelines| guidelines that should have been done 6 weeks ago.He said he would look into the situation and then asked about my quicken loan which I stopped because Amerisave had a better rate and term. Then I look up complaints and see my loan officer XXXX XXXX mentioned several times. They should not be allowed to conduct any type of financial business because their system is severely flawed. The right side does not have a clue what the left side is doing and the upper management could care less. Then XXXX XXXX has the gull to email me and ask me why I am distraught that this happens all the time. If this happens all the time they should not be allowed to do business because they are messing up a lot of people lives. My wife cried for hours wondering how we can go through a process of weeks with all being ok| to woops we made a mistake. We were going to use the 2 months savings to take a vacation. Please see below. 
 XXXX| XXXX| I know. I was shocked. My assistant made a mistake in the income calculation. I am getting with my manager when he gets back from lunch to initiate the refund of the appraisal deposit. I will confirm once I know '' " XXXX| Mistakes are made. My assistant is n't perfect. I trust her judgment with income and this time her calculation was wrong. People are declined all the time for income reasons. Being declined has no impact on your credit or anything of that nature so why are you so distraught? Lending guidelines are more strict than they used to be. If you think XXXX can close the loan then reach out to XXXX. I will let you know once my manager confirms the appraisal refund. 
-XXXX I am confused also as to where the customer service is in the above. He did n't even try any alternative and just washed his hands of it. 

This company should not be allowed to operate and XXXX with peoples lives like nothing they does matters to us the consumer.


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
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: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I believe I was discriminated against by Wells Fargo due to my income level. My account was overdrawn by XXXX cents. Approximately {$770.00} was from the XXXX fees imposed by Wells Fargo. They gave me 60 days to bring my account current or else they would close it. I explained to them that I could pay them {$700.00} which would more than cover the amount paid by them on my behalf as well as a good portion of their fees. My offer was rejected. I was informed by multiple representatives that I had to pay the amount in full by the 60 day dead line or they would close my account. I explained to them that they were putting me in the position to choose to pay rent or pay them. They again said there was nothing they could do. Because having a checking account is important to me I decided to try to make some extra money. I was able to pick up some extra work to help cover rent and then used my entire regular pay check to bring my account to a positive balance with Wells Fargo on XXXX/XXXX/16. When I did I was told that my debit card had been turned off due to misuse. I asked them who missed used it and the representative informed me that I had. I was never informed by the bank that I could be punished by them for not using my debit card according to their standards. Now I have a checking account without a debit card attached to it, something that I feel is important to have in 2016. Wells Fargo made it very difficult for me to keep my account open with them. I told them that I can only conclude that they no longer wanted me as a customer. XXXX branch manager even looked at my purchases and in a loud and scolding tone chastised me for having to use payday loans, people in the bank heard, I was embarrassed, and I had to ask her to please lower her voice. I am not sure how much profit Wells Fargo makes from their {$35.00} fee, but I can only imagine it is somewhere around XXXX I may not make the most money, and I may not always manage my money well, but I am a person worthy of Wells Fargo 's respect. I doubt I will ever get any of the {$770.00} back from Wells Fargo because I am sure they have covered their rear-ends in some complex legal mumbo-jumbo, and that makes all of this that much more frustrating. I am not rich! I live paycheck to paycheck right now! I take my share of responsibility for that but my circumstances are not all my fault. What I needed from Wells Fargo was to be treated like a real person, like a member of the community regardless of if I was rich or poor, what I got was the cold shoulder, sharp criticism, and references to some ambiguous company policy.


Subproduct: Equifax
Issue: GA
Subissue: 303XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/19/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
XXXX XXXX also has not returned my follow-up email or my call after I inquired about the lack of change. Please help me.


Date_received: 04/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: DE
ZIP_code: 197XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX went out of business years ago. I had an account with them XX/XX/XXXX. It was charged off before XXXX. XXXX sold to XXXX XXXX ... who sold to XXXX. This debt, which was outside the statute of limitations 5 years ago and outside the federal obsolescence time frames for the Fair Credit Reporting act 2 years ago is STILL on my file. I assume if XXXX sells it to XXXX who sells it to XXXX, it will be on my file until I die. I disputed this with the bureaus with no result.


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: TransUnion Intermediate Holdings, Inc.
State: NY
ZIP_code: 112XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Filed a dispute with the XXXX credit agencies ( Transunion, XXXX and XXXX ) about a current mortgage that was wrongly reported as a closed account- Chapter XXXX bankruptcy. Mortgage is a current account and is been paying on time during the last 12 months. Account was opened on XXXX XXXX and was never closed. On XXXX XXXX was transferred from the original bank to another bank as the original bank closed operations. Agencies closed and eliminate the account from my credit history. They claimed that bank is not reporting the current payment because mortgage was involved in a previous Chapter XXXX which has discharged positively on XXXX XXXX. Bank mistakenly claimed that they do n't have to inform that the account is current and been paying on time to the credit agencies because it was involved in a discharged Chapter XXXX.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: GA
Subissue: 308XX
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
My problem is with Bank America credit card, Well every month I pay my bill in time, bud always pay more, I pay doble the minimum due, and the account still the same,. And the minimum payment due every month is the same do n't low. How is possible, only low a little big, sometime I thinking the I never going to pay off that credit card. Something important the interest, They increase more I not expected that. What I thing is, they still my money. I work hard only for pay my bills. I thinking is a racist because they call me more than one time as me if Iam XXXX. Yes Iam from XXXX. and my husband Military XXXX XXXX because the war. And my son is military too XXXX. My husbad 30 year in the XXXX. I am a XXXX. Than you for you health. XXXX XXXX


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: IN
ZIP_code: 463XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for a loan from Castle Payday Loans ( now XXXX ) in XXXX 2015 for {$1000.00} online. I received a phone call from CPL stating I have been approved for the {$1000.00} loan and the finance charge would be {$350.00}, thus bringing my total to {$1300.00}. I have since paid {$2400.00}, over {$1000.00} more than I was told I had to pay. CPL continued taking payments from my bank account, so I blocked them from drawing payments from my account. I tried to log into my CPL account, but it would no longer allow me to log in. I contacted CPL and spoke to a representitive from collections and I conveniently got dropped once I told them there was a mistake with my account and had been overcharged.


Date_received: 05/19/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Velocity Portfolio Group
State: NV
ZIP_code: 895XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
Velocity Investments keeps demanding payment for a debt they have defective title to. I have filed a complaint with Nevada Financial Institutions Division. Velocity ignored FID letters and resumed hassling me. Copy of my new complaint I am filing with NV FID : 1 ) Velocity Investments, nor any of its agents, have provided any validation of this debt as per Financial Institutions Division, State of Nevada letter to Velocity dated XXXX XXXX, XXXX 2 ) Velocity, not its agents, have provided a verified answer with notarized signature ( per FID letter to Velocity dated XXXX XXXX, XXXX ) 3 ) That Velocity and its collections agents have violated my rights as a consumer under the FDCPA in the following ways : 1 ) attempting to collect on a debt they have not verified/validated, even though I demanded verification within 30 days of their demand letter ( XXXX XXXX Solutions ) dated XXXX XXXX XXXX XXXX FDCPA violation ) 2 ) attempting to collect a debt they have no valid legal claim to ( FDCPA violation ) 3 ) attempting to collect a debt that is beyond the statutes of limitations ( FDCPA violation ) 4 ) Failing to inform their collections agents ( 2 of them ) that the debt is in dispute ( XXXX FDCPA violations ) - Velocity may have violated my rights in other ways. I have consulted an attorney on this matter, but have not yet retained one.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company: Equifax
State: CA
ZIP_code: 930XX
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 card ( XXXX XXXX ) and they denied me because my credit was unavailable from the XXXX scores. I checked my credit score on XXXX XXXX and it also said my scores where unavailable, so I 'm just wondering what is going on?


Date_received: 05/16/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: those XXXX are 90 days old now
Company: you have to resubmit ''. Etc. each and every time they ( SPS ) was reviewing my file
State: they told me "" this may be referred to an atty for legal action. I finally said
Complaint_ID: Yes
Consumer_narrative:
I had a large job camcelled last fall. No money, but I got some Smaller jobs to help pay other bills. We applied for a HAMP modification about XXXX months ago. And the requests for the additional documents never stopped. " Oh

ZIP_code:
 "" are you allowed to say that while we are in the Federal HAMP program ''?. "" Everything we do is in accordamce with the law I was told last week. I resubmitted my wife 's XXXX last week. I call back today for an update ( i called a day after I sent the XXXX to make sure they got them


Date_received: 05/05/2016
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: Bank of America
State: NC
ZIP_code: 281XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America has me listed with XXXX for account fraud. I spoke to Bank of America and they stated my account was closed due to overdraft but they have it listed as fraud. I am being denied a bank account everywhere I go even after bankruptcy. To top it off my account was paid the {$5.00} that it was overdrawn.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Select Portfolio Servicing, Inc
Issue: TX
Subissue: 770XX
Company_public_response: Consent provided
Company: Web
State: 07/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I do n't understand the reason behind the short sale if the bank was expecting full payment. The XXXX Program is nothing but false hope, a faade. This was a waste of my time, my realtor 's time, the buyer 's time & buyer 's realtor time. This bank has no due diligence, and I desperately need to know my options and request that someone look into this bank to make sure they are not conducting unethical or illegal business practices. Any information you can provide me will be greatly appreciated.


Subproduct: Nationstar Mortgage
Issue: CA
Subissue: 913XX
Company_public_response: Consent provided
Company: Web
State: 04/07/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am also in the mortgage business and I am aware of others to whom this has also happened with Nationstar as their loan servicer.


Date_received: 03/22/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Ally Financial Inc.
State: SC
ZIP_code: 292XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a loan on XXXX vehicles with ally financial, in either of these loans I submitted payment online, and was n't sent or advised of any issues with the payment. Today, the repo man appeared at my house, as ally is well aware since providing my benefit statement as a part of income verification, I am a XXXX veteran. This complaint is based upon XXXX issues, first Ally to date has never provided a right to cure statement, which is a legal requirement, any production of such is a production to cover such non action, and false. Secondly I have a Mercedes Benz that I own outright in my yard, the repo man in error placed his jack under my owned car, not attached to this loan, raised my owned car, upon my XXXX, I rushed out the house, stumping my foot, and advised him to put my car down, and check the VIN number, which he complied, it was the wrong car.


Complaint_ID: No
Date_received:
How come during this whole process, we have had over XXXX so called " relationship '' managers? "" Relationship '' managers that could never see all the details of our application when we would try to talk to them about our history or educate them on our dilemma


Date_received: We have been living here and hoping that by working with the bank
Subproduct: that they are responsible for
Issue: not me
Subissue: and we will continue to pay for our home to them
Consumer_narrative: in good faith
Complaint_ID: No
Product:
 we could find a way to pay for and keep our home. I have offered to pay what I owe if they reduce and or forgive the penalties that they have caused


Date_received: 05/19/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Company: Caine & Weiner Co. Inc.
State: AL
ZIP_code: 350XX
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:
On XXXX/XXXX/16 XXXX XXXX called me @ XXXX stating that I owe money to a company called XXXX . I asked him what was his time & he said XXXX & that it 's a commercial account he can call me anytime he wants ... After I asked him for the information again as to who he really was & the debt information then he got aggressive & hostile in his voice & told me that I 've asked him that twice but am I going to pay the debt. I told him how can I pay a debt if I did n't know who he was or what the call was about ... My belief is once he realized that I knew he was not practicing the correct debt practice laws by calling me before XXXX he froze up but was still being a rude debt collector even after the fact ... I, not XXXX eventually hung up the phone & I proceeded to contact CFPB to report the issue


Date_received: 03/24/2016
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: MA
ZIP_code: 021XX
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 received a loan from XXXX XXXX XXXX, which was backed by XXXX XXXX. Both companies went bankrupt one year later. I did n't receive loan information for several years, as it was being mailed to my parents home, not my current residence. When I tried to discuss my options, the company that took over the loan, American Educational Services, said that they had already put the loan in default, so I could start paying down my debt but at any moment the loan could go into default. The default notice was sent in XXXX. I spoke to them personally for the first time in XXXX. They will not talk to me about my payment options until the loan goes into default, which is entirely unpredictable at this point. In the meantime, I continue to get hits on my credit report. I currently have a nonprofit career and likely would have had IBR if I had information about the loan from the beginning. The amount to pay to fix my credit is insurmountable, and I want to start law school and eventually gain bar admissions.


Date_received: 05/06/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: Nationstar Mortgage
State: MA
ZIP_code: 016XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Applied for a modification when my husband passed away and I was the only income. They sent me the package which I completed sending all requested documents/tax returns/death certificate-notarizefterd. SS statement of benefits/XXXX years of bank records/copies of all my monthly expenses. All this was faxed at my expense. Then the calls/e-mails started ... ..they needed this they needed that. I sent it all I told them.Well we are missing documents. Sent what they requested again.Faxed. to them. Still missing documents.. Supposedly they assign an account manager to your case but you never get to speak to that person.Anyone answering the phone can help they say. After almost a year I get a letter saying I was denied the modification because of missing documents. I stopped paying my mortgage and told then they can foreclose which will take about two years. When we go to court I will show how they try to " help '' their customers especially seniors. As of now I am only XXXX payments in arrears"


Date_received: 05/12/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Shopping for a loan or lease
Company: Santander Consumer USA Holdings Inc
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2014 I needed to replace my old vehicle. I regretfully purchased one from a dealership which led me to believe that due to my credit situation the financing deal that they got me was the best that can be done. They informed me to revisit them in 8-10 months to refinance. The cost of the vehicle was {$9500.00} at an interest rate over 20 %. Nonetheless, I signed the contract and for over a year and a half, the balance barely declined. I did go back to the dealership after 10 months as well as tried to refinance on my own only to be told that I was upside down. The {$9500.00} vehicle was only worth about {$2000.00}. No one would give me a loan. I was doomed. I feel as though 20 % was outrageous and bordering illegal. I even reached out to the bank on a few occasions requesting that they lower the rate or refinance and they informed me that was n't an option. I struggled and suffered tremendously until I got a break this year and traded in the vehicle for a lease. Of course I still had to roll in the balance owed on the vehicle but I am no longer subjected to an inflated interest rate. I 've never felt so foolish.


Date_received: 05/18/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company: Capital One
State: UT
ZIP_code: 844XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 my XXXX credit report showed that there were a Capital One and a XXXX bank hard inquiries. I called both banks and they both reported not to have any information on the matter. On XXXX/XXXX/16 XXXX reported again that Capital One had another hard inquiry for trying to open an account. I called capital one and they reported that as a matter of fact someone tried to open an account with Capital One. The representative said she closed the account that was opened on my behalf and report it as fraudulent.


Date_received: 04/08/2016
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: Wells Fargo & Company
State: CA
ZIP_code: 900XX
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 am reaching out in need of assistance to save my home. My mortgage company is Wells Fargo and I am behind in my payments. I have a foreclosure sale scheduled on XXXX/XXXX/16 and need help stopping it. They are in the process of reviewing me for a loan modification and I have provided all the paperwork they requested. Your assistance is greatly appreciated.


Date_received: 05/14/2016
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: Ditech Financial LLC
State: MH
ZIP_code: 491XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
# 1 Bank Name XXXX sold out but have title to home, And rolled over to a new Bank name Of Green Tree # 2 Bank name Change out to new name to Ditech I have pay very High interests Rate 8.99 % maybe to much


Subproduct: URS Holding, LLC
Issue: CA
Subissue: 915XX
Company_public_response: Consent provided
Company: Web
State: 05/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
The prior agency, XXXX XXXX, simply walked away from their efforts. The new agency, ERS, is choosing not to communicate with me, but simply engage in negative reporting on my credit. This complaint is linked to XXXX other complaints - all against the same efforts and same " owner '' ( I think ) - XXXX XXXX and its collection agency of the day."


Date_received: 05/14/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: JPMorgan Chase & Co.
State: IL
ZIP_code: 606XX
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 bank restructured transactions in my checking account so that they could extract XXXX overdraft fees instead of XXXX on XXXX XXXX, 2016. In fact, the first XXXX debits arrived early in the day, and the last, much larger debit was a late debit. There were sufficient funds to pay the first XXXX debits, and so only XXXX fee should have been charged.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: U.S. Bancorp
Issue: KS
Subissue: 660XX
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I own a home, I have my XXXX children, and my wife has her XXXX children. We are both employed. We previously transacted our banking with a credit union. The replacement vehicle is essential to our health, well being and employment. The implication of their anti-fraud effort is insulting and unnecessary. They obviously do n't want our business, but they also need to release these funds. XXXX XXXX already released the funds so they can not replace the check issued for this deposit.


Date_received: 05/14/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company_public_response: XXXX
Company: over three ( 3 ) years ago
Complaint_ID: Yes
Consumer_narrative:
Over the last six ( 6 ) months, since XXXX XXXX till today, I have been unable to get my free Annual Credit Report from the Experian Credit Reporting Agency online from the government authorized website : XXXX even after numerous attempts on several different occasions including today. I always keep getting the same message from Experian as folows : " A condition exists that prevents Experian from being able to accept your request at this time. '' My last free Annual Credit Report from Experian is dated XXXX XXXX


Product: and let me know. I had no problem getting the same from XXXX and XXXX. Thanks
Subproduct: please do help and let me know."
Issue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subissue: Experian
Consumer_narrative: VA
Company_public_response: 220XX
Company: Older American
State: Consent provided
ZIP_code: Web
Submitted_via: 05/14/2016
Date_sent_to_company: Closed with non-monetary relief
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Date_received:
Please instruct Experian to allow me to get my free Annual Credit Report from Experian online through XXXX at the earliest


Date_received: 04/28/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: VA
ZIP_code: 231XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ocwen misdated a foreclosure letter causing me to miss out ona deal to repair my fire damaged house. They also demolished a freestanding garage after foreclosure that was in very good condition, my insurance man valued it at {$20000.00}. This eliminated any equity in the sale. They also listed and scheduled demolision of buildings on a separate lot that I owned free and clear. {$5000.00} worth of tools were taken from an outbuilding on this lot.


Product: yet creditor/furnisher has stated
Subproduct: in writing
Complaint_ID: Yes
Date_received:
The response to original dispute from Creditor/Furnisher validates re-aging of the DOFD to the month prior to the Chapter XXXX discharge which is a violation of FCRA 605 ( c ). The FTC is clear on how to calculate the running period ( several FTC " Notices to Furnishers '' are attached ). The FTC is clear that the DOFD must remain unchanged & that any subsequent actions such as charge-off or discharge are irrelevant to the DOFD


Complaint_ID: Yes
Date_received:
1 ) Dunning letter from creditor/furnisher dated XX/XX/XXXX where DOFD for account is at least 90 days prior to date of letter


Complaint_ID: Yes
Date_received:
3 ) FTC definition and remarks on FCRA 623 ( a ) ( 5 ) and 605 ( c ) clearly define the actions all furnishers/CRAs must adhere to for obsolete accounts


Complaint_ID: Yes
Date_received:
Creditor/furnisher violates FCRA if they fail to report the original DOFD within the required timeframe ( 90 days from DOFD ). If creditor/furnisher uses the date of discharge from Chapter XXXX BK they 're committing re-aging of the account through changing the DOFD. Either way


Subproduct: all other accounts would have remained on credit file yet they do not
Subissue: she is from the Executive Office of the creditor/furnisher
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: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Date_received:
Section 605 ( c ) # 3 ( page XXXX ) specifically states "" 3. EVENTS OTHER THAN "" COMMENCEMENT OF THE DELINQUENCY '' IRRELEVANT : The period is calculated from the date specified in this section

Product:
 not subsequent events such as ( a ) the date the creditor first reported the chargeoff or a collection to the CRA ; ( b ) the dates of payments made or missed during the delinquency that leads to the chargeoff or collection ; ( c ) the date of sale or transfer of the account from the original creditor to another creditor ; or ( d ) the date a consumer disputes the debt. '' All creditors/furnishers where accounts were discharged in Chapter XXXX have removed their account tradelines from credit file in accordance ( and unprompted ) with the FCRA. If this creditor/furnisher 's explanation to original dispute were accurate

Issue:
 they 've been correctly removed due to their obsolescence. The Remediation Analyst who contends reporting this account is valid is XXXX XXXX at XXXX ext. XXXX

Consumer_narrative:
 though it 's concerning that the EO does n't seem to understand the running period requirement as defined in FCRA 605 ( c ). I 've taken the liberty of attaching the FTC Staff Reports and opinions regarding similar disputes in an effort to assist XXXX XXXX with her interpretation."


Date_received: 05/04/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
State: however
Complaint_ID: Yes
Consumer_narrative:
Prosper took a double payment for XXXX ( despite their notes that " customer accidentally made a double payment '' ) as I have auto withdrawal set up for my account. I called Prosper on or about XXXX XXXX to inquire about the doubled amount of {$1300.00}. They stated it may take up to 15 days to refund the {$660.00}. I expressed my dissatisfaction and noted via internet that Prosper has done the very same with other consumers. I called again on Tuesday

Company_public_response:
 XXXX XXXX and asked for a supervisor and was refused. The person on the phone informed me that partial refunds were not possible and that they would refund the entire amount and I would have to make another payment for XXXX and XXXX receive a late fee! When I voiced my complaint about the late fee

Company:
 the representative agreed to call me when the XXXX was refunded so that I could make the XXXX payment on the phone with her and she would reverse a late fee. Today I received a notification that a refund would be issued within 5 days


Date_received: 05/07/2016
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: Bank of America
State: LA
ZIP_code: 708XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I paid off my credit card in full XX/XX/2016. XX/XX/XXXX my payment I submitted was more then I wanted to pay on the card that had a little balance ( since I had just paid it off ). I was unable to cancel or edit the payment. Bank of America informed me I should contact my bank to place a stop payment on that particular payment and that it would charge me a return fee but I could call back and have it refunded. When I called to get this refunded everyone told me it was not doable because it was a legitimate charge even though they told me this could be done. In XXXX 2016 I had a scheduled payment of {$100.00} to my credit card. Everything appeared to have gone through until I recieved an email that it did n't. I called Bank of America and they assured me everything was fine if something happened it would have kicked back already. Well the next day I check my account and that payment too had been returned and they charged me another returned check few. I called two more times to see what the problem was and they ( BOA ) told me to contact my bank where it was coming from ( XXXX ). XXXX did admit they did not remove the stop payment from the previous month ( XX/XX/XXXX ) and it had rejected the payment from XX/XX/XXXX. I called Bank of America again to let them know what happened they said they understood and refunded both of my returned fees. Well today ( XXXX XXXX ) I tried to use my credit card and it was declined, when i called to see what was going on they notified me my credit had been revoked and my account closed because of the returned fees ( one they instructed me to do and one that was a complete accident ; i.e : they refunded both return payment fees they charged ). So now I will have to fight whatever negative consequences. Bank of America has been nothing but trouble to me.


Date_received: 05/06/2016
Product: Credit card
Issue: Payoff process
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: TX
ZIP_code: 762XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bank of America has misreported a balance on a credit card that I paid off over 6 years ago. I noticed it was still on my credit report when I checked it in XXXX. I 've written them and disputed with the credit bureaus however nothing has been resolved. The balance should be showing {$0.00} Please assist


Date_received: 05/13/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: they take me off
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Wells Fargo & Company
Submitted_via: TX
Date_sent_to_company: 752XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/13/2016
Consumer_narrative:
I ask Well 's Fargo to stop putting me on the over draft " protection '' plan. Each year they take me off

Company:
 then the next year they put me back on it and charge me. It 's not protection and its false advertising."


Subproduct: Nationstar Mortgage
Issue: MO
Subissue: 655XX
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: 05/13/2016
Date_received:
On multiple occasions we have spoken with various agents of Nationstar in regards to requests for recording our fully executed agreement with XXXX County Recorder on the following dates, XXXX XXXX, 2016, XXXX XXXX, 2016, XXXX XXXX, 2016 and XXXX XXXX, 2016. Nationstar mortgage, has refused to oblige our demands and we are seeking assistance with this matter. Per Real Estate Settlement Procedures Act - RESPA. It is essential for Nationstar mortgage and the respective investor to complete this obligation following changes to my original loan. I have contacted XXXX County Recorder, located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO XXXX, XXXX and they have informed me as of XXXX XXXX, 2016 that no such contact has been made to their office with respect to our constant requests. In fact the county recorded office advised me that the financial institution will need to provide an original wet ink signature of the executed modification in order for them to update their records with changes to my original loan.


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
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: CA
ZIP_code: 925XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
For the past couple of months, Bank of America has been double charging me. They also change the screen charging overdraft of already charged items. On about XXXX/XXXX/2016 I called in and ask them why they double charge me for checks returned, when the day before, that was not the case. The clerk from XXXX XXXX fixed it and sent me a customer satisfaction survey. Before I could send the survey in, they triple charged me and changed the screen again. I called again and ask why. I spoke with this rude clerk who try to justify why the changed the screen every chance they get to charge and double charge you for everything. She wanted to argue the why the action was put in place and why they change the screen. I told her, did not agree with her and was not going to argue with her, and told her good-bye. I have copied the statements befor this one and do n't have a scanner. However, I am able to fax additonal information important to this case.


Date_received: 03/22/2016
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: IL
ZIP_code: 601XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have worked and am still working in the XXXX for 42 years been married for 37 years and lived in and paid for this home 28 years. One day in the local paper is a notice stating our home is foreclosing. The judicial sale is taking place this Thursday XXXX XXXX. We are losing our home even though we did all the right things paid our taxes-paid our bills. Right now we have NO outstanding debt except this loan and a student loan. Our credit is excellent. So why would we stop paying on this mortgage? For what purpose? We got an attorney XXXX XXXX and we never met with an attorney. Even in court they did n't introduce themselves. Now we are out {$7000.00}. Please even tho it 's tempting do n't go with pop ups on the computer. They are just stealing from you. There is NO ONE that will help you They will steal from you and you will still have no where to live. This loan started with XXXX XXXX XXXX went to XXXX then to many others. I do n't even know all of the lenders that have changed hands over the 28 years. We paid off credit cards to XXXX and XXXX XXXX and they will not report the XXXX balances to the credit bureaus. Why are we being hurt this way? Why?


Complaint_ID: Yes
Date_received:
You can make payments before they are due or pay more than the amount due each month. Paying a little extra each month can reduce the interest you pay and reduce your total cost of your loan over time. If you want to ensure that your loan is paid off faster


Date_received: However
Issue: Navient Solutions, Inc.
Subissue: PA
Consumer_narrative: 174XX
Company: Consent provided
State: Web
ZIP_code: 05/03/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 Navient will not allow me to apply additional moneys paid each month to principle. For example my XXXX statement has a monthly payment of XXXX due XXXX/XXXX/16 which XXXX should be interest the balance XXXX principle. I made a payment on XXXX/XXXX/16 20 days early. My account was credited as follows XXXX interest XXXX principle i have contacted and tried to work with this servicer to be able to pay additional principle. In addition to this issue they recently lowered my payment from XXXX to XXXX this only severs to make the loan longer there by earning more interest."


Date_received: 05/09/2016
Product: Credit card
Issue: Closing/Cancelling account
Company: TD Bank US Holding Company
State: CA
ZIP_code: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
TD Bank/ Target XXXX should be reporting a ZERO balance. I have submitted proof to Target as well as the credit bureaus and the error is not being corrected. I received a XXXX Cancellation of Debt on this account. I also included this cancellation of debt when filing my taxes in 2015 therefore the balance needs to be reporting as {$0.00}. I need this corrected immediately or this account needs to be deleted off my credit file! I am unable to get the credit I deserve because of this. I am attaching proof.


Subproduct: and Account Number : XXXX has been to XXXX XXXX XXXX in the following correspondence : XXXX XXXX
State: Ocwen
ZIP_code: MI
Submitted_via: 480XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/10/2016
Complaint_ID: Closed with explanation
Date_received:
Case number : XXXX The response to Case number : XXXX by Ocwen Loan Servicing , LLC, [ " still working on your issue

Product:
 and you should hear from them again within 60 days '' ] on a lawfully rescinded mortgage and specifically denied Loan Number : XXXX

Issue:
 2016 A Trial Modification Mortgage Statement for a lawfully rescinded mortgage A Trial Modification Mortgage Statement for a specifically denied Account Number : XXXX PDF attached XXXX XXXX

Subissue:
 2016 A non verified statement claiming that XXXX XXXX XXXX had submitted application for assistance on specifically denied Loan Number : XXXX A Appraisal created by XXXX PDF attached XXXX XXXX

Consumer_narrative:
 2016 A Delinquency Notice for six payments on a lawfully rescinded mortgage A Delinquency Notice for six payments on specifically denied Loan Number : XXXX PDF attached XXXX XXXX

Company_public_response:
 2016 Notice of initialization of FORCED PLACE INSURANCE on specifically denied Loan Number : XXXXon Lawfully owned property of XXXX XXXX PDF attached"


Date_received: 05/11/2016
Product: Credit card
Issue: Delinquent account
Company: JPMorgan Chase & Co.
State: IL
ZIP_code: 617XX
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 applied for a mortgage loan on XXXX/XXXX/XXXX. I was denied, in part, based on ratio of balance to limit on revolving accounts and amount owed on delinquent accounts ( XXXX of attachment ). While I have managed to correct much of the incorrect information, I was unable to get XXXX Chase account corrected. on page XXXX of the attachment is a Chase account that shows a limit {$5000.00} and a past due balance of {$3200.00}. The problem is that Chase made a decision on XXXX/XXXX/XXXX to discharge the debt and cancel it as shown on page XXXX of the attachment, a XXXX which I paid federal and state income taxes on the discharged amount as required by law. When I received the credit report from XXXX ( XXXX of the attachment ) on XXXX/XXXX/XXXX, I disputed that there was an open account with a credit limit and balance past due as the report clearly indicates the account is closed, so there would be no credit available and since the debt was discharged there could be no balance, past due or otherwise. I received the dispute results from XXXX on XXXX/XXXX/XXXX ( pp. XXXX of attachment ) and it indicated that Chase verified the closed account with a credit limit of {$5000.00} and a past due balance of {$3200.00} with XXXX and XXXX XXXX had no record of the account. On XXXX/XXXX/XXXX, I contacted Chase to discuss the issue. The Chase customer service employees that I spoke to agreed that the account was closed, that there was no available credit and that the debt had been discharged. However, the credit reporting employee that I spoke to stated that since I did not settle this debt, even though the debt was discharged and there was no longer any attempt to collect, the past due balance would remain on my credit report for a full XXXX years because they could. I explained that I had settled XXXX other accounts with Chase, the employee checked and confirmed that was true. I asked how this could be held against me since this was Chase ' decision to discharge and I was never given the opportunity to settle this account? It was obvious that I was making every effort to resolve everything but Chase decided on their own to discharge this debt without an attempt to settle and now is holding it against me. He stated because we can. It is patently unfair for this account to be shown as having a {$5000.00} limit and a past due balance of {$3200.00}, when in fact that is false. Thanks in advance for your assistance in resolving this. XXXX XXXX


Subproduct: Nationstar Mortgage
Issue: FL
Subissue: 334XX
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:
She wanted proof which I sent and she said the bank is saying my bank statements with front and back of checks is not proof of payment. They then file for motion of writ possession. I have explained to bank I am single woman just trying to recover from what ex has put me through now they will add an eviction on my name which will make it impossible for me to even rent. I am willing to leave just need a little more time to find something and pack. I am XXXX and I work XXXX. I feel that Nationstar has not treated me properly and it appeared that even the people I spoke with from bank did n't know what was going on with my house. Then when they say they will get me an answer I am thrown an attorney after me with an eviction. I did try to work this out in XXXX. I would have been near out already if they would have answered me then instead of sending the same letter with a different date they would get me an answer.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Resolve Partners, LLC
Issue: NC
Subissue: 280XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/19/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Fraud is the intentional use of deceit, a trick or some dishonest means to deprive another of his or her or its money, property or a legal right. A party who has lost something due to fraud is entitled to file a lawsuit for damages against the party acting fraudulently, and the damages may include punitive damages as a punishment or public example due to the malicious nature of the fraud. Quite often there are several persons involved in a scheme to commit fraud and each and all may be liable for the total damages. Inherent in fraud is an unjust advantage over another which injures that person or entity. It includes failing to point out a known mistake in a contract. There is a known mistake in a contract that was never pointed out to me by my broker. It also includes failing to not reveal a fact which he or she has a duty to communicate, such as not delivering promised amenities. My broker promised amenities including a tanning bed and garages as originally understood. The amenities of a tanning bed and garages were not delivered to me as promised. Constructive fraud can be proved by a showing of breach of legal duty such as lying about advertising amenities that were not delivered. Constructive fraud can be proved by a showing of breach of legal duty without direct proof of fraud or fraudulent intent. Extrinsic fraud occurs when deceit is employed to keep someone from exercising a right, such as a fair trial, by hiding evidence or misleading the opposing party in a lawsuit.


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: Resurgent Capital Services L.P.
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:
LVNV Funding LLC, has resold the same debt that I 've issued complaints to CFPB previously regarding. LVNV is not being represented by XXXX XXXX XXXX, XXXX 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. LVNV funding, nor XXXX has ever provided verification of originating debt. No signature cards have been provided and XXXX, LVNV funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate LVNV Funding and XXXX 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. LVNV 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. LVNV needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.


Date_received: 05/13/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationwide Advantage Mortgage Company
State: TX
ZIP_code: 782XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
According to the Fair Credit Reporting Act, Nationwide mortgage has been willfully and/or negligent in including inaccurate information with regards to reporting my mortgage loan to the XXXX credit bureaus. I have called Nationwide mortgage before and recently ( XXXX/XXXX/2016 ) sent nationwide all necessary information to prove this inaccurate information. I requested them to correct the mortgage information and have not seen a change in my credit information at any time. I have also disputed this mortgage information to XXXX credit bureau regarding this matter and submitted a complaint to the XXXX. This matter has severely damaged my credit score.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Retrieval-Masters Creditors Bureau, Inc.
Issue: NV
Subissue: 891XX
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 would like the harassing phone calls to stop immediately. They have been disrupting me while in school or while still sleeping.


Date_received: 05/18/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 906XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hi, my name is XXXX XXXX XXXX, my bank is Chase Checking Accunt. In the date XXXX/XXXX/2015 my bank authorized a transaction of mine without any signature proof, it was with the merchant XXXX that is dealing with XXXX, they charged me {$1500.00} from my credit card without any approval from my side. My bank claims that i have already few disputes with other XXXX that scammed me so they declined my request. When i first registered to the site i gave this company my information as it was required in order to open the account, but it does n't mean that they can use this info to charge me when ever they want without my approval. Please advice what i can do here.


Complaint_ID: Yes
Date_received:
By XXXX XXXX In our regular surveys of consumers who come to the Equifax website and who call our call centers


Date_received: In fact
Product: all information
Subproduct: both positive and negative
Subissue: is included in public record information
Complaint_ID: Yes
Issue:
 is reported to the XXXX nationwide credit reporting agencies by lenders who have granted you credit


Subissue: Equifax
Consumer_narrative: MI
Company_public_response: 482XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/20/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
Here 's a rundown of how long certain types of credit information will remain on your credit history : Credit Accounts Accounts paid as agreed generally remain on your credit file for up to ten years from the date of last activity ( DLA ) .... '' So this is simple. In XX/XX/XXXX

Product:
 there is zero reason for any reporting on the XXXX XXXX XXXX account that was never owned by that bank at any time ; was closed XXXX XXXX by me and closed by me ; had no activity since ; had no payments or balance since the ten-year benchmark. This is fraud and wrong and should never been put onto my credit report. After investigation and reinvestigation the date itself - XX/XX/XXXX - obviously not to be reported whatsoever. There is no purpose for it. Moreover

Subproduct:
 if there was any "" activity '' XXXX XXXX XXXX told me they did not furnish it. Someone else did? Who? When? What? How?"


Subproduct: EOS Holdings, Inc.
Issue: CO
Subissue: 802XX
Company_public_response: Consent provided
Company: Web
State: 05/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
At this time I will also inform EOS that your offices have reported invalidated information to all XXXX of the major credit bureaus ( XXXX, XXXX, and XXXX ) this action constitute Fraud under both federal and state laws. Due to this fact, the negative marks that have been found on all of my credit reports by your company, or companies that you represent. I will not hesitate in bringing legal action against EOS.


Date_received: 05/07/2016
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: TN
ZIP_code: 381XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
It has now been 7 days past the deadline for Citi to honor their targeted promotion to me for opening a citi gold checking account and meeting all requirements which I have successfully done as confirmed by several representatives since account has been opened ( XX/XX/XXXX ). My offer was for XXXX Thank you points ( promotional code : XXXX ). My account was opened over the phone and confirmed I qualified for this promotion.


Date_received: 05/11/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Company: Navient Solutions, Inc.
State: UT
ZIP_code: 844XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX of 2016, I arranged to settle my account with Navient. The agreement was that if I paid half of my total balance due, that they would agree to settle the remaining balance since the account was 10 years old and in good standing. 2 weeks after I made my payment and was told it was settled and I would receive a letter in the mail stating so, they have been trying to collect the remaining balance that they agreed to write off/settle. I have contacted Navient several times explaining the situation and each person confirms the account is settled. Now I am getting past due payment statements that will probably end up reflecting on my credit report. I want this resolved!


Date_received: 07/01/2016
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: Bank of America
State: CA
ZIP_code: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I WAS CHARGED A MAINTENANCE FEE ERRONEOUSLY. I HAVE DIRECT DEPOSIT EACH MONTH AND FUNDS PUT IN XXXX ACCOUNT. THE BANK TOLD ME TODAY THAT I NEED TO HAVE THE DIRECT DEPOSIT PUT INTO BOTH ACCOUNTS. I ONLY HAVE XXXX ACCOUNT WHEN I OPENED IT YEARS AGO AND NOW THEY CLAIM I HAVE XXXX AND HAVE TO HAVE DIRECT DEPOSIT PUT INTO XXXX ACCOUNTS TO AVOID A MAINTENANCE FEE.


Date_received: 04/09/2016
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Rothstein Acquisitions LLC
State: OH
ZIP_code: 432XX
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 have visual voicemail and this is the message I was left, " This is a very urgent message for XXXX XXXX my name is XXXX XXXX (? ) and I 'm calling you in regards to XXXX (? ) enablement. I 'm now serving your final legal notification. This is in regards to your case number baby XXXX. Very to respond will result in you forfeiting any in all rights for voluntary restitution the case will be forwarded out to the County clerks office in XXXX County to be prosecuted to the fullest extent of Ohio 's State law and suspension of your drivers license. It is very urgent you need to contact XXXX XXXX immediately at XXXX .... ''"


Date_received: 05/06/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Navient Solutions, Inc.
State: WA
ZIP_code: 984XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I attended XXXX XXXX University for XXXX classes, then transferred to XXXX University due to my inability to get XXXX services to correct an issue submitting assignments. Now after withdrawing from this ( for profit ) school, they are saying that I owe them for the full tuition amount. This is negatively affecting my credit rating and impeding my ability to acquire housing and employment. I am XXXX and currently unemployed and homeless and unable to pay {$5.00}, XXXX full-tuition fee.


Date_received: 04/23/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: AES/PHEAA
State: WI
ZIP_code: 537XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/23/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I had a loan from XXXX Student Loans which I was making monthly payments via direct deposit. I received notification that my loan would be serviced by American Education Services starting in XXXX XXXX. American Education Services would continue to withdraw money via direct deposit until XXXX XXXX, when I would have to set up a direct deposit with AES directly. AES continued to withdrawal money from my account until XXXX XXXX, without any noticed or notification they stopped withdrawing money from my account. They also stopped contacting me by mail. I received no communication from AES via mail that they stopped withdrawing money from my account or that I was past due. On XXXX XXXX XXXX, I was notified that I was in default and referred to a collection agency. They will give me no explanation as to why they stopped withdrawing money despite their promises to do so until XXXX XXXX. I was making monthly payments on time, and then they stopped their commitment and am holding me at fault. I feel that this has been a predatory action, and I do not agree that I was at fault here.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: AL
Subissue: 365XX
Company_public_response: Consent provided
Company: Web
State: 05/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
After contacting a member of their customer service department she accused me of lying about this. This company is beyond irritating!


Date_received: 05/17/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Company: Equifax
State: TX
ZIP_code: 760XX
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 asked and begged Equifax to remove accounts no longer legal able to be on my credit file because they have not verified the information. Like XXXX XXXX did and So did XXXX I am for the Final time before I file a lawsuit asking them to remove 1.Student Loans XXXX that ca n't verified my XXXX and XXXX nor XXXX 2XXXX XXXX XXXX XXXX XXXX XXXX XXXX before I file a lawsuitagainst themthey have 24 hours


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Cavalry Investments, LLC
State: IL
ZIP_code: 620XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Ive contacted the company multiple times regarding the validity of the debt and sent numerous letters with no response. In addition, thet are also reporting as open on my credit reports and as a collection agency they ca n't be reported as such. To conclude all XXXX credit bureaus are reporting some form of information incorrectly.


Date_received: 04/14/2016
Product: Credit card
Issue: Delinquent account
Company: Discover
State: GA
ZIP_code: 319XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I went XXXX XXXX military XX/XX/2013. I had an outstanding balance of over {$1000.00} on my discover card. I left my finances in control of my financial broker as I was unable to control my accounts. After I left, my discover account had a fraud alert and was locked out. My broker was unable to regain access to pay the bill off the following month. When I regained control of the account I paid the debt in full. However, I was charged with a 30 day delinquency on all my credit reports. I have contacted Discover with this information on a yearly basis and even provided my military XXXX. Although this is considered a valid charge the negative impact on my credit is damaging my job field in the military as I have a XXXX in jeopardy. 7 years is a long time to punish someone with a good history of bill paying considering I had no control over the account and was on XXXX XXXX at the time. I would like the 30 day delinquency removed from the credit reporting agencies.


Product: LLC Claims was EXPUNGED through the Bankruptcy."
Issue: Ocwen
Subissue: NY
Consumer_narrative: 112XX
Company: Consent provided
State: Web
ZIP_code: 05/20/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
In a Affidavit, XXXX XXXX XXXX states in the Bankruptcy proceeding that request immediate abandonment and destruction of certain loan files because they do not hold any interest in mortgage loans. " The loan files have no value to the Trust and not needed to proceeding in the Bankruptcy case. The motion which was Granted and in that order the Judge placed a value of XXXX cent on the dollar for each loan Ocwen Serviced. Ocwen Loan Servicing 


Date_received: 03/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: Ditech Financial LLC
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX we completed a Deed in Lieu on a rental property. We had submitted all the required documents and was paid cash for key. We received a document dated XX/XX/XXXX Deficiency Waiver Agreement. When Green Tree transferred to Ditech we started receiving calls that we were late. I was informed that 3 months after we completed the paper work they went to record the deed and the property had been sold in a tax sale. As of XX/XX/XXXX we started receiving notices from XXXX XXXX XXXX XXXX XXXX about foreclosure. I have made every attempt to resolve this with both the Attorney and Mortgage Company with no resolve


Date_received: 05/05/2016
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: Bank of America
State: CA
ZIP_code: 950XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
The following has been submitted to Bank of America VISA credit card disputes department. XXXX duplicate {$77.00} charges and XXXX {$82.00} charge were made from XXXX XXXX XXXX in XXXX on XXXX XXXX, XXXX. The {$82.00} charge was correct but the XXXX {$77.00} charges were a mistake. The paper was jammed and the charges were submitted three times so another charge was made at the restaurant bar for {$82.00} ( {$5.00} was added since XXXX person did not qualify for the XXXX discount ). On XXXX XXXX, XXXX I had asked for the XXXX {$77.00} charges to be refunded but only XXXX was refunded. In XXXX XXXX and again in XXXX XXXX I called about not receiving the other XXXX refunds but nothing was done. I called again XXXX XXXX, XXXX and was asked to write a letter because the agent " could n't do anything about it since it has been more than a year ''. The reply to the letter and a phone call to Bank of America credit card billing disputes department was that they could not see the statements as far back as XXXX XXXX and therefore the case is closed. I pointed out that a statement is being mailed to me so why could n't they see the same statement. The agent asked his supervisor and was told that the case is closed and I would not receive my refund. I have been a customer with Bank of America since XXXX."


Date_received: 05/06/2016
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: SD
ZIP_code: 571XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX of 2015 I opened a CitiGold Checking account with Citibank. Despite being told by multiple representatives over the course of approximately six months that I was eligible and had met all the requirements ( and keeping the chat logs from online conversations with Citi representatives ), now Citi is reneging on their word and refusing to give the XXXX XXXX XXXX miles they had agreed to award. I want Citi to simply honor the terms of the agreement and award the miles.


Date_received: 05/16/2016
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: UT
ZIP_code: 840XX
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 am trying to refinance my Mortgage. A Credit report was pulled and an item for XXXX is listed on my trans union as a collection chargeoff. I called them at XXXX and they stated that the account number was not my account. I said I know that, please tell the credit bureau so it can be removed. They said we did not and would not report it because it does not belong to you. I said they please give me a letter stating that, they no. I called back and spoke with a different manager twice and they said no as well. There address is XXXX XXXX XXXX Ut, XXXX. They had to report for me to have their information. I just need it removed please.


Date_received: 04/23/2016
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: Nationstar Mortgage
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage was sold to NATIONSTAR MORTGAGE in XXXX of 2015. Prior to being sold to NATIONSTAR MORTGAGE my monthly payment was {$640.00}. NATIONSTAR sent notice that my new payment would be {$650.00} however they did not provide any justification for the increase. My payment has now increased to {$750.00} again with no justification. They are constantly calling me and sending junk mail asking me to refinance by they have never provided an escrow statement or justification of the increase.


Date_received: 06/17/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company_public_response: XXXX that allows customers to make early payments and
Company: if also enrolled in automatic payments
Date_sent_to_company: XXXX
Timely_response: ( XXXX/XXXX/XXXX - {$420.00} )
Complaint_ID: Yes
Consumer_narrative:
XXXX, On XXXX/XXXX/XXXX you made this statement " The Bank implemented a system enhancement effective XXXX XXXX

State:
 the automatic payment plan would still debit the scheduled payment amount due on the due date. '' You explained this was why on XXXX XXXX

ZIP_code:
 XXXX the automatic payment plan debited {$570.00} after I had already initiated an online payment in the amount of {$600.00} on XXXX XXXX

Submitted_via:
 XXXX. Enclosure ( XXXX and XXXX ) If the Bank implemented this system enhancement effective XXXX XXXX

Company_response:
 Please explain why the automatic payment plan only debited the following amounts on these dates : ( XXXX/XXXX/XXXX - {$470.00} )


Complaint_ID: Yes
Date_received:
On XXXX/XXXX/XXXX why did the automatic payment plan only debit {$480.00}? Should n't the automatic payment plan have debited {$570.00} and posted {$90.00} to late fee balance to satisfy account for the month


Complaint_ID: Yes
Date_received:
Please provide a "" complete '' detailed transaction history showing "" all transactions '' that includes everything pertaining to loan account including "" all late fee accounting with a running balance '' and then a detailed explanation of why payments were debited for an amount less than scheduled payment amount of {$570.00}


Product: Inc."
Subproduct: LA
Issue: 71369
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 05/18/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
05/18/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Medical
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: MERCHANTS ADJUSTMENT SERVICE, INC.
State: AL
ZIP_code: 361XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Company continues to try to collect a medical debt that was covered by my health insurer. I have not seen evidence where they filed or sent me a bill to cover their charges.


Date_received: 04/11/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Company: Capital One
State: OH
ZIP_code: 430XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Capital One sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. Capital one is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.


Date_received: 04/07/2016
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: FL
ZIP_code: 331XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My Macys credit card had fraudulent charges and after several months Macys has neglected to remove the report to the credit bureau. This has resulted in damaging my credit score.


Date_received: 05/13/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company: Navient Solutions, Inc.
State: FL
ZIP_code: 323XX
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 would like an audit of all the funds that I have paid into XXXX XXXX n/k/a Navient, especially on how they calculate interest. By my simple math, I have paid {$15000.00} since XXXX/XXXX/11 on a loan that only totals {$30000.00} and I have not seen the principle balance go down not once. How can this much interest be charged and calculated so crazily. I do n't trust Navient 's math and I would like to see how they calculate my interest so that even though I have paid {$15000.00} over the past 5 years, my loan balance refuses to budge. I have a car, with higher interest rate than my student loans and I only have to pay that for 5 years. How is this legal? Where is the oversight? Who can audit this account to make sure that no funny math is being used. Over the next 15 years, at this rate, i will have paid over {$60000.00} for a loan that is only half that amount. How can my interest rate flux between 9 % and 10 % and yet the balance never goes down. Please check the numbers as something is n't right.


Date_received: 05/20/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
State: FL
ZIP_code: 327XX
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 requested Equifax provide me verification of negative on my credit. Fair Credit Reporting Act requires them follow reasonable procedures to assure maximum possible accuracy of the information on my credit report. Therefore, I am requested them verify the item I am disputing at a higher standard than a computer generated inquiry, XXXX or third party database search. They sent me the typical verification with the creditor information, but failed to give verifiable proof that this was mine.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: TD Bank US Holding Company
State: DE
ZIP_code: 197XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They call and hang up when I answer, when I returned the call they ask if I am who I am and say that they need to verify employment and that I have to pay whether I want to or not. They call almost every other day and hang up and the last time I returned their call they asked me again if I am who I am and I asked why are they looking for me and why do they keep hanging up on me and once again today at XXXX on Friday the XXXX if XXXX 2016 the man hung up on me.


Date_received: 05/02/2016
Product: Credit card
Issue: Other
ZIP_code: via XXXX XXXX actions
Submitted_via: I believed that the matter was settled and over with. Nothing was said to me about it
Date_sent_to_company: no mail notification
Company_response: no phone calls
Timely_response: no emails
Consumer_disputed: so I believed that I was cleared by their "" fraud protection policy ''. ( Now
Consumer_narrative:
In 2012, I believe that I became a victim of a phishing scheme and credit card fraud. I also believe that I am wrongfully being held to blame for the charge-offs on my credit report because Bank of America refused to accept my disputes against the fraudulent charges to my credit card and they failed and refused to protect me from fraud as implied in their Visa protection policies, after I did file my disputes " on time '' with them. // After a "" no settlement '' with them

Company_public_response:
 I filed a complaint letter to the Consumer Financial Protection Bureau and received a return letter without the said "" attachments ''. // A request for the attachments has been submitted to the CFPB. // Once I had spoken with XXXX XXXX and the credit card account was closed

Company:
 I was never notified that any charge offs were being placed on my credit report. I had never even heard of a "" charge off '' and had known nothing about what it was "" ever ''. I feel that I 'm being deliberately "" set up '' for some sort of further damage to me by Bank of America. // I 've always been told that any credit card purchases have guarenteed protection and money back protection against "" any '' fraudulent transactions. // Only until now

State:
 I accidentally found that I could file a complaint about this matter to the Federal Trade Commission . // When the bank closed my credit card account

Complaint_ID:
 a double fraud against me ). // I now wish to demand that this matter is to be cleared and erased from my credit report history and my normal credit score restored


Date_received: The PMI portion makes up {$80.00} of my payment. This may not seem like much to some people
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Wells Fargo & Company
Subissue: FL
Consumer_narrative: 325XX
Company: Consent provided
State: Web
ZIP_code: 04/27/2016
Submitted_via: Closed with monetary relief
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 but my budget is extremely tight already. I ca n't afford to be manipulated and lied to and lose {$80.00} per month."


Date_received: 04/17/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: PNC Bank N.A.
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/17/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Have not received bonus yet. Reps from bank can not add the numbers and I have met all the requirements for bonus. No real answer or time frame.


Date_received: 05/20/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Santander Consumer USA Holdings Inc
State: GA
ZIP_code: 307XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
When I made the first payment, I paid the regular monthly payment and in the line clearly marked additional principal, I wrote in {$75.00} to be taken off the principal. When I received the next months bill, they had taken that {$75.00} payment intended for the principal off the next payment. When I called them, several times, they said it was taken off the principal which was clearly a lie. They record the conversation on their end, but refuse to talk to me when I told them I am recording the conversation for my protection


Date_received: 05/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: SC
ZIP_code: 294XX
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 XXXX broke our contract themselves by trying to rip me off and way overcharging me, forcing me to leave them and go with XXXX ( which is better any way ). I do n't owe them anything. If anyone owes anyone, they owe me the cost of having to purchase a phone though XXXX.


Date_received: We have NOT kept anything from Citi Mortgage
Complaint_ID: Yes
Product:
 as soon as we retained a lawyer they were contacted with ALL of his information. I had given verbal authorization for Citi Mortgage to discuss options with him and the information was "" NONEXISTING '' after 8months after they had been in contact with him ; thus again forcing me to jump through their hoops to allow them to discuss the case. We then applied for the hardship loan modification. For almost a year we paid the amount that we thought was the payment amount. XXXX of 2016 Citi Mortgage began sending our payments back to us. At this point I could no longer continue the endless battle and we entertained putting the house up for sale. In XXXX Citi Mortgage sent me a letter notifying us that our mortgage had been sold. All paperwork was provided to the lawyer and relator with the New mortgage holder 's information. When my relator called the company that our mortgage was sold to she was told

Subproduct:
 "" Not all files have been sent over and information is limited. '' My lawyer then contacted the same people only to be told that the mortgage was NOT sold that Citi Mortgage still holds the account. My Lawyer then contacted Citi Mortgage

Issue:
 at this time Citi Mortgage is requesting us to re-apply for a loan modification. There was NO explanation given as to why we received the letter


Date_received: 04/20/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Credit decision / Underwriting
Company: Ocwen
State: IN
ZIP_code: 467XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage company is reporting to credit bureaus that my account is closed due to bankruptcy filing of chapter XXXX. I am in a current chapter XXXX and making regular monthly payments to them but that not being reflected on my credit reports. i have called numerous time to have it corrected but nothing gets done and my cr5edit score is being effected by it.


Date_received: 04/18/2016
Product: Credit card
Issue: Billing disputes
Company: Capital One
State: SC
ZIP_code: 297XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXX XXXX fraudulent transactions appeared on my Capital One credit card in the amounts of {$250.00}, {$120.00} and {$500.00}. All of these transactions were with Nordstroms ( the merchant ). I have never shopped or purchased anything from Nordstroms in my life. I received a text notification regarding these charges on XXXX XXXX, XXXX in the afternoon and within moments, contacted the Capital One fraud department. Capital One neutralized all three of these charges on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, Nordstroms credited my account with {$250.00}. The effect of this was that my account was credited in the amount of {$250.00} two times, once by Capital One and once by Nordstroms. I recognized this was an error and paid Capital One, rightfully so, {$250.00}, which neturalized that transaction again. On XXXX XXXX, XXXX Capital One adjusted my account by adding {$250.00} and {$500.00} to my balance. As mentioned above, I neutralized the {$250.00} double credit. I received a letter unsigned, but dated XXXX XXXX, XXXX from Capital One, apparently from XXXX XXXX from the Customer Fraud Protection unit stating that {$500.00} was being added to my account because the account was credited two times in the amount of {$500.00}, once by Capital One and once by Nordstroms. A few days later, I received the exact same letter from Capital One. This is NOT CORRECT. Nowhere on any statement or account activity document does a {$500.00} credit from Nortstroms show up. I initiated numerous calls to the Customer Fraud Protection unit at XXXX, the number on the letter, These calls were an exercise in major frustration mainly because it was so difficult to understand the so-called customer service representatives because of the lack of their English language skills ( and yes, I did press the correct selection for English ). I left a return number for XXXX XXXX on several occasion XXXX and never received a return call or message. Finally, on XXXX XXXX, XXXX, I managed to get connected to XXXX XXXX ( I think XXXX stands for XXXX ). She went over this situation thoroughly and told me that this was a mistake made by someone other than her and she would see to it that {$500.00} would be removed from my account. She indicated that another department made this mistake. It is now XX/XX/XXXX and the {$500.00} remains on my account. I made several more calls to the number on the letter and was unable to convey my concerns in a manner that was understood by the customer service reps ( again, a language issue ). All they could say was that the issue was under investigation. So, This issue has been around now since XX/XX/XXXX and I seem unable to resolve it with Capital One. I am not sure whose fault this is, Capital One or Nordstroms, but I do n't believe it is mine. I called and reported the fraud, answered all questions asked of me ( which were mostly what my account number was ) and received a new credit card with a different account number. I am a reasonable savvy person in the financial and banking arena, but I have never, ever had a situation like this remain unresolved for so long. I am not sure what kind of problem Capital One has and I feel totally helpless and at their mercy.


Date_received: 05/08/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
State: a CitiGold Customer Service Agent _explicitly_confirmed_
ZIP_code: _in_writing_
Submitted_via: that attached to my account was the promotional code for the XXXX Thank You points. Moreover
Date_sent_to_company: the CitiGold Customer Service Agent _explicitly_confirmed_
Company_response: _in_writing_
Timely_response: that
Complaint_ID: CitiGold 's own Customer Service Agent had _explicitly_confirmed_
Consumer_narrative:
Citibank is NOT fulfilling the terms of their promotion for new CitiGold clients who are also Citi Thank You credit card holders. In this promotion, Citi Thank You credit card holders were promised XXXX Thank You points for opening a new CitiGold checking account. The terms of the promotion were that, in order to receive the Thank You points, the new CitiGold clients were to do 2 online bill payments in the 2 consecutive months following the opening of the account. The Thank You points would be credited to the new account 90 days after the statement in which the terms were fulfilled. I have now spent 4 phone calls, 2 secure messages, one online chat, and two letters asking Citibank to credit my account with the XXXX Thank You points. The result of all my requests was that Citibank sent me two generic form letters of which each had precisely the same words. Citibank refused to credit my account with the XXXX Thank You points because " Unfortunately

Company_public_response:
 there was not an ThankYou ( R ) Points promotion offered in conjunction with the opening of your account. '' Very significantly

Company:
 this statement blatantly contradicts a secure message that I received from a CitiGold Customer Service Agent. A few days after I opened the new CitiGold account

Consumer_disputed:
 "" The bonus Thank You points will be credited by Citibank to your Thank You account 90 days from the end of the statement period in which you complete all offer requirements. '' Evidently


Subproduct: Equifax
Issue: KS
Subissue: 662XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I would like these duplicate inquiries removed from both my report, and my husband 's, as requested by the accessing creditor, XXXX.


Date_received: 04/16/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: Stephen Einstein & Associates, P.C.
State: NV
ZIP_code: 891XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
XXXX end up on judgment entered on XXXX XXXX ( for {$1800.00} ). ( Filing date XXXX - disposition date XXXX XXXX, court- index number XXXX ) .I was XXXXe U.S. for 9 years ( XXXX issue ) Now i live in XXXX since XXXX ( XXXX ). I notice The Law Firm of Stephen Einstein & Associates put hold on my savings account for that judgment -hold for XXXX for XXXX judgment. On XXXX XXXX I was discharged in bankruptcy XXXX -Final decree XXXX/XXXX/XXXX ( this judgment was not in my credit report XX/XX/XXXX,XX/XX/XXXX-I have copy-and I do n't know about to add when I file for bankruptcy ) Thank you


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Company: Carrington Mortgage Holdings, LLC.
State: TX
ZIP_code: 773XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
LOAN ORIGINATION SIGNED BY ME ONLY ON XXXX XXXX XXXX THROUGH XXXX XXXX XXXX TITLE SEARCH FOUND XXXX DEEDS OF TRUST FOR XXXX LOANS DATED XXXX XXXX XXXX THEN RELEASE OF XXXX LIEN ON XXXX XXXX XXXX BY XXXX XXXX XXXX THEN ON XXXX XXXX XXXX DOC XXXX RECORDED AT COUNTY STATING ASSIGNMENT OF DEED OF TRUST TO XXXX XXXX XXXX AS BACKED PASS THROUGH CERTIFICATES DOC XXXX REMOVAL OF TRUSTEE APPOINTMENT OF SUBSTITUTE TRUSTEE XXXX XXXX IN XXXX WITH A REFERENCE XXXX ALL ROBO SIGNED BY XXXX A XXXX VP DEFAULT SCRA FOR CARRINGTON MORTGAGE SERVICES LLC ATTORNEY IN FACT FOR XXXX XXXX XXXX AS TRUSTEE FOR CARRINGTON MORTGAGE LOAN TRUST SERIES XXXX XXXX ASSET BACKED PASS THROUGH SECURITIES XXXX XXXX SENT A NOTICE OF SALE FOR MY PROPERTY IN XXXX XXXX WITH A SALE DATE OF XXXX XXXX XXXX BUT A COPY WAS NEVER MAILED TO ME I CALLED HER OFFICE WITH THE XXXX AND WAS INFORMED THEY HAVE NO RECORD OF THE TRACKING NUMBER MY NAME OR MY PROPERTY THE LETTER VANISHED FROM COUNTY CLERK RECORDS BUT AFTER I FOLLOWED AN ATTORNEYS ADVISE TO FILE CHAPTER XXXX BANKRUPTCY EXEMPTING MY HOME AND VEHICLES THE BANKRUPTCY WAS DISCHARGED ON XXXX XXXX XXXX BUT I STILL WAS NOT ABLE TO SET UP PAYMENTS WITH CARRINGTON MORTGAGE SERVICES SIX MONTHS AFTER THE DISCHARGE I DISCOVERED THE MORTGAGE HAD BEEN DISCHARGED IN THE BANKRUPTCY WITHOUT MY KNOWLEDGE OR MY ATTORNEYS KNOWLEDGE I CONTACTED XXXX TO GET DOCUMENTATION OF THE LOANS I WAS INFORMED BOTH LOANS WERE PAID IN FULL ON XXXX XXXX XXXX AND TRANSFERRED TO A NON MERS STATUSTO A SERVICER XXXX NONXXXX MEMBER I PULLED THE XXXX RECORDS AND FOUND XXXX LLC XXXX IS STILL LISTED AS THE INVESTOR AND SERVICER OF BOTH LOANS BUT IT ALSO SAYS UPDATE ON XXXX XXXX XXXX INTERIM FUNDING RELEASED BY XXXX A XXXX BANK XXXX THEN ON XXXX XXXX XXXX AN UPDATE STATING DEACTIVATION ASSIGNEE : NEW SERVICER XXXX XXXX XXXX WITH FORECLOSURE STATUS UPDATE ASSIGNER XXXX, THEN ON XXXX XXXX XXXX INTERIM FUNDING INTEREST RELEASE DATE WITH INTERIM FUNDER XXXX XXXX, THEN RELEASE FUNDER INTEREST, MIN STATUS ; TRANSFER TO NON-XXXX STATUS OLD INTERIM FUNDER XXXX ALLY BANK, THEN ON XXXX XXXX XXXX SECURITY INSTRUMENT DATA UPDATE ; ORIGINAL MORTGAGEE MERS ITS BEEN OVER A YEAR SINCE MY BANKRUPTCY DISCHARGE I GET A STTATEMENT FROM CARRINGTON EACH MONT WITH THE BALANCE DUE STATING PLEASE DISREGARD IF DISCHARGED FROM BANKRUPTCY I SENT THEM A QWR ABOUT 30 DAYS AGO AND RECEIVED BACK A PACKET FROM THEM STATING THAT MY ACCOUNT IS IN ACTIVE FORECLOSURE STATUS SINCE XXXX XXXX AND THAT THEY ARE DECLINING MY WRITTEN REQUST SEEKING DOCUMENTATION THAT IS NOT AVAILABLE THROUGH VERIFICATION OF DEBT UNDER 15 USC 1692G AND THAT IF I HAVE BEEN DISHARGED FROM BANKRUPTCY IT IS NOT AN ATTEMPT TO COLLECT A DEBT ONLY INFORMAYIONAL THEY ATTACHED A SPREADSHHET OF MY PAYMENTS TO THE LOAN SINCE XX/XX/XXXX WITH COPIES OF DOCUMENTS THAT I HAD NEVER SEEN BEFORE THAT WERE NEVER FILED WITH COUNTY RECORDS PAGE XXXX SAYS CONFIDENTIAL XXXX LOAN NUMBER XXXX INVESTOR LOAN NUMBER XXXX THEN ALLONGE FOR THE PURPOSE OF ENDORSEMENT HIS ALLONGE TO NOTE IS MADE THIS XXXX XXXX XXXX TO THAT CERTAIN NOTE DATED XXXX XXXX XXXX IN THE AMOUNT OF FROM AND IS INCORPORATED INTO AND SHALL BE DEEMED TO AMEND AND SUPPLEMENT THE NOTE AGREEMENT THEN PAY TO THE ORDER OF XXXX WITHOUT RECOURSE XXXX OF XXXX A XXXX CORPORATION ROBO SIGNED BY XXXX XXXX ASSISTANT SECRETARY WITH THIS ALSO CAME A COPY OF A BALLOON NOTE NOT FILED WITH COUNTY OR GIVEN TO ME AS WELL AS A COPY OF AN ASSIGNMENT OF MORTGAGE TO XXXX XXXX XXXX XXXX IN XXXX ON XXXX XXXX XXXX FILED IN THE COUNTY COURT RECORDS OF XXXX XXXX XXXX WITH THE LOAN NUMBER BLACKED OUT


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: OK
Subissue: 730XX
Company_public_response: Consent provided
Company: Web
State: 04/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
If they would do things in a timely manner, all of this could have been settled months ago. Instead they have now started foreclosures proceedings. We do not want to lose our home. Please help us.


Date_received: 03/22/2016
Product: Mortgage
Subproduct: VA 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: Freedom Mortgage
State: WA
ZIP_code: 981XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Servicer once approved me for Loan modification and forward information over the phone on XXXX/XXXX/2016 spoke with both XXXX XXXX XXXX @ Freedom Mortgage. Few days letter, XXXX who is the point of contact told me that loan has been denied because my investor did not approve for modification. On XXXX/XXXX/2016 I received very brief mail from Freedom mortgage regarding my modification has been denied due to Insufficient Income. They are telling homeowner different answer to denied them for modification. Homeowner is XXXX Veteran currently receiving VA XXXX & VA XXXX. When we spoke with them, we requested what income underwriter used for modification review but point of contact is not able to provide the information to us at all. They sent denial letter dated XXXX/XXXX/2016 does not stated any detail information on NPV inputs and ask Homeowner to appeal the process in 14 days in writing but did not provide me where to send appeal in writing. This mortgage has been transferred from XXXX XXXX to Freedom during my modification is being review. I am XXXX Veteran and this is VA loan. I would like to keep my property.


Date_received: 04/06/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Ally Financial Inc.
State: UT
ZIP_code: 840XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I filed a Chapter XXXX Bankruptcy and it was discharged in 2011. XXXX was included in it and they are still reporting on my credit with a balance. IT is affecting my credit and financing.


Date_received: 04/06/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
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: 853XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX is still showing negative information on my credit report which is illegally damaging my credit report. I incurred a hardship back in XX/XX/XXXX and stopped paying my bills on XX/XX/XXXX, I lost my home and was unable to meet my obligation. I lost everything. Because of the 7 year rule this account should have been removed from my credit report last XXXX XXXX. It still shows up on my report. I explained that collection agency contacted me and offered to pay towards the balance. I explained that I was XXXX because of my tour fighting for our country and was unable to pay the bill. The collecting agency said that they would make payments on my behalf. I again explained that I would not pay this bill.


Date_received: 05/17/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Encore Capital Group
State: NY
ZIP_code: 112XX
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 had an account with XXXX XXXX. Went to collections. Midland Credit Management is the collection agency. I paid them in full on XXXX XXXX, XXXX in the amount of {$580.00}. I have sent several dispute letters to the credit agencies because Midland is reporting inaccurately on my credit reports. It says that I failed to pay in XXXX of XXXX and XXXX of XXXX even though it says paid in full with a XXXX balance on the reports. They have tried fixing it but with no positive outcomes. They keep sending letters back that the information is verified. The only other outcome I desire is a removal of MCM off my reports. I have no other obligations with MCM. I am trying to get a mortgage in the next month or 2 so I can provide shelter for my wife and a XXXX we are expecting. XXXX XXXX removed themselves off my credit report for the said paid debt. I do not have time to go back and forth trying to correct a problem I have been trying to fix for the past 6 months. Its getting old and frustrating. When I call, no one can help me. I do not have the money to hire a lawyer and go into litigation with MCM. Its such a simple fix and everything can be resolved and I can go on with my life.


Date_received: 05/16/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Ability Recovery Services, LLC
State: CO
ZIP_code: 809XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX keeps turning me into collections every year since 2012 for a bill i paid off in 2012. Every year I have to send the collectors and the original company my proof of payment. Every year they send me a letter of confirmation saying it was an error and they have corrected it ... but here we are again. I have more than enough evidence that I have paid that bill and I am tired of effortlessly trying to improve my credit score in hopes of a house and babies XXXX day, when XXXX keeps holding me back for nothing ... for a bill i have paid 4 years ago.


Date_received: 05/20/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
Equifax Dispute Confirmation XXXX, does not address the issue or reason that I disputed. Their dispute reads " 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

Company:
 XXXX XXXX NV XXXX '' Again I have a check made payable to XXXX XXXX XXXX for the full balance. And once again they are refusing it


Date_received: The company listed on my credit
Complaint_ID: Yes
Product:
 must be the creditor. They must be the payable party. They can not list something without offering me a means to satisfy or pay it. This is ILLEGAL! The creditor name is essentially incorrect. XXXX XXXX would have to have whoever owns the debt


Date_received: 05/07/2016
Product: Debt collection
Subproduct: Auto
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company: Santander Consumer USA Holdings Inc
State: TX
ZIP_code: 757XX
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 return their call about being past due and they did give me offer if I paid one payment now they would wave two payments off my bill making me one payment behind I told them I 'm not working at the moment and there 's no way I can afford this car and was scheduled at that time to be sent for repo I gave them my current address and so they called again the next day I told them again nicely that I do n't have a job I need to pick up a repo gave them my current address and then we 're getting calls from my in-laws that they 're calling them asking for me and telling them what about the car xcetera and they have my phone number my current address but anyway it goes on the next day they call me again I answered this time I get a mad and and ask them why they 're not communicating with each other and their own company give them all the same information again then literally the next day they call again and this time I 'm nice again and I told the guy about how they 're calling my mother-in-law and calling me everyday after it 's already been for repossession stop harassing me that worked for about 2 days and now my mother-in-law calls me again n well she 's XXXX XXXX I 'm really not her business about this repossession and she does not need to be harassed expecially when is already given my current address they have my phone number and they are in contact with me and I 'm just waiting on the tow truck driver to call me and say hey meet me out and give me the key I really want this harassment to stop I am currently unemployed I owe lots of bills I 'm fully aware of my obligations financially but at this moment in time I am on food stamps and government assistance looking for work my wife and I both


Date_received: 06/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On or after XX/XX/1016 There may have been a fraud alert placed on my Report. If it was I want it removed.


Date_received: 05/06/2016
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: OR
ZIP_code: 970XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Currently with Ditech Mortgage company - pay one month in advance on mortgage payments. Ditech shifted internal mortgage account numbers and when did, the new statement showed payment due one month prior. Representative stated that instead of payment applied to future month and additional principle, XXXX % of it was applied to principle. This is a no-penalty advance pay mortgage contract and we are quickly approaching the 'late fee ' date with funds not being reallocated as indicated on the coupon and as requested for the last 3 weeks ... multiple supervisors spoken to and NO ONE seems to want to take responsibility and call back. PLEASE HELP!!!!


Date_received: 04/13/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Embrace Home Loans Inc
State: LA
ZIP_code: 701XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I want to file a Mortgage Fraud Claim Against Embrace Home Loans. Embrace Home Loans has refused to correct my XXXX from XX/XX/XXXX through XX/XX/XXXX. Embrace Home Loans has not sent me a monthly loan statement since XXXX XXXX. My mortgage has been transferred to XXXX different offices in the past 5 years, XXXX of them Mortgage Loan Servicing companies, XXXX was XXXX XXXX in XXXX XXXX, Virginia and the XXXX XXXX is XXXX XXXX XXXX XXXX XXXX in XXXX, North Carolina. XXXX XXXX Loans is trying to take my equity of approximately {$11000.00} to {$12000.00} and foreclose on my home. XXXX XXXX XXXX XXXX XXXX has sent me e-mails and letters stating they would review the proof of payments for my balance being so delinquent. XXXX XXXX transferred a balance of {$120000.00} due for XXXX XXXX and based on the most recent letter dated XXXX XXXX, XXXX received from XXXX my XXXX payments of Mortgage Principal, Interest and Escrow payments for XX/XX/XXXX and XX/XX/XXXX have been applied to that balance that is fraudulent. I have no monthly loan statements from XXXX XXXX and neither XXXX XXXX to know what my money was applied to. The recording says I owe for XXXX XXXX and has no balance as of today XXXX XXXX, XXXX. Where do I send my payment for XXXX XXXX which I will overnight on Friday Morning XXXX XXXX, XXXX. Please see attached files. I want my mortgage principal, interest and escrow accounts brought current. I want corrected XXXX from XX/XX/XXXX through XX/XX/XXXX. Please see attached files for supporting documentation.


Date_received: 05/03/2016
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: Escallate, LLC
State: PA
ZIP_code: 150XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had medical insurance at the time and it should of been covered. It has been since XX/XX/2011. I would like it removed from my credit report.


Date_received: 04/07/2016
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: WA
ZIP_code: 981XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
went online to XXXX and it asked me about a loan made in XXXX 2014 that i neither recall or made. i cant get any credit reports form the XXXX major organizations. suspect fraud.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: OH
ZIP_code: 458XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
All XXXX credit bureaus have extremely different and inaccurate information contained within my credit report. These include accounts that are n't even mine, accounts that have never been late and still open reported as collections and closed, items not reported accurately and some accounts open and in good standing not reported at all.


Date_received: 05/06/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: Union Bank
State: CA
ZIP_code: 947XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a XXXX currency account with union bank, today I saw that there fees fo this account, already high at XXXX $ a month had increased to XXXX $ without any change of service. That is a XXXX %. Hight, on an acount they do not pay any interest in, nor have made any improvment to the service they provide. - this is in short words price gauging. - in the recent past they have engaged in multiple unfair practices, like not acepting a aditional fictitious business name on an acount - forcing me to open an aditional business acount which they then promptly charged, inspite the fact that I hold a significant amount of money on there ( no interest! ) XXXX currency and normal business account. ..


Date_received: 04/18/2016
Product: Credit card
Issue: Advertising and marketing
Company: Capital One
State: PA
ZIP_code: 151XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I applied for a capital one XXXX business card for an llc for which I am a member. The card is now reporting to my personal credit report. I called capital one and they said they would switch it to the company credit report. However, they called me weeks later and informed me that they added the TIN to the card but will not remove it from my personal credit. This is not a personal debt. It is the debt of the company, XXXX XXXX XXXX, and paid for by the company. If it were a personal card, it should not have been marketed as a business card and to the business with the business name on it and reporting to the business credit report. If it is indeed a business card, then it should be taken off my personal credit report. One of the other llc members also has a XXXX business card, that includes me on it as well as the business name, and capital one will not allow me to close that account because they are saying that is her personal card, even though it has the company name and tin attached to it also.


Date_received: 05/01/2016
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: Alorica Inc.
State: OH
ZIP_code: 432XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
GLOBAL RECEIVABLES SOLUTIONS XXXX have a a unverified account from. I had previously disputed this account. I have never done business with GLOBAL RECEIVABLES SOLUTIONS. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt GLOBAL RECEIVABLES SOLUTIONS purport I owe. I request that GLOBAL RECEIVABLES SOLUTIONS Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that GLOBAL RECEIVABLES SOLUTIONS Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number


Date_received: 06/29/2016
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 has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: GA
ZIP_code: 300XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We received debt collection calls from Bank of America Loan Recovery Group for past 10 months for a debt that is not ours. We have called the BOA Loan Recovery Group as instructed on the collection calls at XXXX & XXXX on six ( 6 ) separate occasions requesting that the calls be stopped. Each time the person taking the call said their records would be corrected. We continued to receive calls from BOA Loan Recovery Group on XXXX/XXXX/2016, XXXX/XXXX/2016 & XXXX/XXXX/2016. The calls are for someone named XXXX XXXX ( sp? ). We do not know XXXX XXXX nor or we related to XXXX XXXX. The phone number, which BOA is calling, has been our cell phone number for 2 years. We need to have these calls stopped.


Date_received: 05/07/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: LA
ZIP_code: 701XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Nation star mortgage increased my note by {$420.00} saying my insurance was going to go up in XX/XX/XXXX so they had to get the money to cover the increase. Just talked around in circles trying to explain this is XX/XX/XXXX why would my insurance company call you and tell you my insurance was going up next year? XXXX!,,, I now pay {$1100.00} a month in escrow.. Ridiculous!!!!


Date_received: 05/19/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Company: Rent Recovery Solutions
State: NC
ZIP_code: 286XX
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 trying to have a dispute I placed removed because I no longer dispute the debt after receiving information they provided. They refuse to do so and it is affecting my credit. The communication I have with the individual handling the case is is rude and she intentionally tries to provoke me and informs that I do n't have the right to have it removed and they will report it now as part of my permanent record. lI have set up a payment plan and still she will not remove the dispute comment on my credit report. I have called and sent written notice. I asked to speak with her supervisor and was told there is no one higher. when I explained I was trying to get a loan as well she said awww. She attempts to provoke me to anger and tells me that they have to report things as they occur. I said that it follows then that they have to report that I am no longer disputing it. She said no they do n't. I am fed up and frustrated. They are holding back my credit by doing this and from her comments they do it on purpose. And seem to enjoy it. The worst part is that it is a debt my son incurred but I signed as a guarentor of payment. He never moved into the apartment because he was pulled away by the XXXX XXXX XXXX for training. He paid some rent and could n't pay the rest so it has gone to these people for collection. He never lived in these apartments. I understand I still have to pay the debt and am attempting to do so but for this woman to be unwilling to remove the dispute comments from my credit and to antagonize me over the phone like this is just wrong.


Date_received: 06/02/2016
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: Experian
State: CA
ZIP_code: 928XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had disputed this company previously, I do not have the case number. I am uncertain why they would be putting inquiries on my credit and I would like an explanation and I would like for it to be removed. Inquiries effect my credit score. I was notified about this action through XXXX XXXX. Thank you


Date_received: 05/07/2016
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: CL Holdings, LLC
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I contacted this company when I saw it was on my credit report. The reason I called was because the amount showing owed is twice the amount that was originally owed and left unpaid. I asked to verification of the debt and was given the runaround. Also the debt is showing as recent as last year and this is not accurate either. The original delinquency date for this debt was in XXXX 2013. This company is reporting a date that makes it look like this was as recent as last year which is not correct. I was told someone would call me back with verification information but the only person that called was a collection agent to tell me how much I owed and how did I want to pay. I informed the agent that I was not going to pay anything until a verification of debt was done. He told me that all debts are verified before being handed over to them for collection so he could assure me that the debt was accurate and up to date. I thanked him for his time and ended the call.


Date_received: 04/20/2016
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: Bank of America
State: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was attempting to pay off student loans held with XXXX on XXXX XXXX, while I had a payment auto-scheduled to draft for {$200.00} on the XXXX. I was instructed by the XXXX associate to have my bank, Bank of America, place a stop payment on the auto-draft amount thereby allowing the full payoff of {$9600.00} to go through. The BofA representative on the phone never read any disclosures, and clearly understood that this was supposed to be for a specific amount as I explained the entire arrangement. Consequently, both payments were rejected resulting in accrued interest and possible late fees from the lender. Subsequent attempts to resolve with Bank of America have been fruitless, as they claim I was read ( and that I accepted ) a waiver describing a full stop payment to a third party.


Date_received: 04/07/2016
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: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have disputed over and over the validity of XXXX XXXX XXXX ' reporting. They were never able to validate a debt. They reported an incorrect balance for years. I disputed and Experian just updated the debt as valid. It was not. It has been incorrectly reported for at least 3 years. Their dispute process did not follow through with appropriately verifying a debt over and over again. They posted the debt as valid and it was not.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: CA
ZIP_code: 926XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Equifax is showing a red flag in Fico due to Mortgage XXXX account " Acct Status : PAYS 91-120 DAYS '' This account is over 7yrs old. I am no longer liable for this account but Equfax will not delete it. Please help. Thanks."


Date_received: 05/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Navy FCU
State: WI
ZIP_code: 531XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had an unauthorized transaction on my checking account and the bank said I should stop payment on my mortgage payment because with the unauthorized transaction the payment would have bounced. I was never told that it would last 30 days. But even after the 30 day period the stop payment was not lifted which they admitted was a bank error but because of that error it resulted in my last loan modification payment to bounce and for my home to go into foreclosure with additional charges and lawyers fees from the mortgage company


Product: 'executives ' are working on a lump sum settlement for all claims. Once a settlement is reached
Subissue: the loan is either a foreclosed mortgage or an unsecured debt not both. If it is a foreclosure
State: a settlement
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: Bank of America
Company_response: GA
Timely_response: 305XX
Complaint_ID: Consent provided
Date_received:
In XXXX we obtained a fixed rate second mortgage on our home through XXXX XXXX. Country Wide home loans was the originator of the mortgage. Bank of America NA acquired the mortgage when they purchased Country Wide. On XXXX XXXX, XXXX a set of unfortunate circumstances lead to a foreclosure on our home by XXXX, the servicer of our primary mortgage which was an FHA backed mortgage. Our second lien should have, per Georgia law been extinguished and traditionally the monies owed would have been designated as an unsecured loan which we would have continued paying to BofA. This did not happen. According to XXXX in the BofA foreclosure department, a mortgage insurance claim was filed on our account in XXXX. The loan remained designated as a mortgage while " waiting for a determination by insurance ''. XXXX stated the claim was denied in XXXX at which time BofA formally release the lien on the property in XXXX of XXXX and attempted to convert the loan into an unsecured loan and have us resume payments. It remains a mystery as to how they held the lean three years beyond the date of foreclosure even after the home sold in XXXX of XXXX. The loan was rejected by the installment loan department and reverted to the foreclosure department. XXXX stated a second claim for mortgage insurance was filed in XXXX. He also stated that due to "" bankruptcy issues with the mortgage insurance companies

Subproduct:
 the remaining balance of this loan will be charged off. '' He described my account as a "" foreclosed mortgage carrying a designation of property conveyed by foreclosure '' and further advised me that my account is locked

Issue:
 and that no payments can be excepted pending the insurance determination and no documentation can be released on the account. BofA continues to report this account as an open active mortgage and assigns a new 30 day late payment every month to both XXXX and XXXX. It reports it as an unsecured installment loan with a new late payment each month to XXXX. Obviously

Consumer_narrative:
 there should be no late payments reporting following the date of the foreclosure. If it is an unsecured loan

Company_public_response:
 why was it not converted to a charge off after 180 days of delinquency and why can we not work out some form of payment for this debt and how have they filed for mortgage insurance on a loan that is not a mortgage? Multiple BofA representatives have attempted to make it possible to accept payment but are blocked by "" flags '' presumably arising from the mortgage insurance claim. I attempted to obtain documentation from BofA regarding their description of the account to provide to their credit reporting department pursuant to a request for documentation from that department. I was told that the account was locked

Company:
 that no documentation could be released and that my "" attempts at legal discovery will have to take another route ''. This was a surprising and troubling statement as I am unaware of any litigation involving my account. We simply want to know what type of loan this is and to have it reach some form of conclusion whether it be resuming a monthly payment

ZIP_code:
 or a second mortgage forgiveness and to have it reporting correctly to the credit bureaus. Please advise us how to proceed with this matter."


Date_received: 05/20/2016
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: MSW Capital, LLC
State: VA
ZIP_code: 233XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
MSW Capital purchased a charged-off debt and is taking legal action to garnish my bank account. I had previously made payment arrangements but completely forgot about the debt because I had to mail in a monthly check and did not receive any account statements. I have attempted to make payment arrangements, even offering to have a monthly payment automatically drafted from my bank account to no avail.


Date_received: 05/17/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: Lending Club Corporation
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
On at least 3 occasions, there was XXXX unauthorized payment scheduled in addition to the single authorized payment by a phone representative. Each time it has required intervention to cancel the additional payment not authorized. Recently, a second unauthorized payment was withdrawn without consent, even after a call to cancel the duplicate was made prior the phone payment request which would have indicated that the unauthorized payment was still pending, and the representative ignored this fact, and scheduled the ( new ) duplicate anyway, causing a double withdraw and serious financial hardship.


Date_received: 05/03/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Company: Immediate Credit Recovery
State: NY
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I XXXX in 2014 and had a loan with XXXX. However, my loan was handed over to a collecting agency - Immediate Credit Recovery without notices, which incurred a fee of $ XXXX. Moreover, as I wanted to see a detailed information of loan : interest rate and how it 's been accrued, the loan collecting agency refuse to provide me such information saying they do not have it.


Date_received: 05/24/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: FL
ZIP_code: 341XX
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 XXXX XXXX XXXX am a victim of identity theft, I submitted a dispute to Equifax under the aforemention case number. My dispute was supported by all documents required for reference according to Equifax and US FCRA sec.605.b, I am asking that this private corporation block or cease reporting disputed items in a timely manner according to the reference congressional act.


Date_received: 05/16/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Can't contact lender
Subissue: Can't contact lender
Company_public_response: Company believes complaint is the result of an isolated error
Company: EZCORP, Inc.
State: UT
ZIP_code: 843XX
Submitted_via: Servicemember
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 received a letter of Loan Forgiveness from EZCORP for a loan that was taken out in 2012. This loan was included in a Chapter XXXX Bankruptcy. I have received several calls from them and collectors trying to still collect on this loan. I have advised them on several occasions that this loan had been discharged on the ChXXXX Bankruptcy. They assured me that it was n't them that was trying to contact me on this loan. Now I receive a XXXX for this loan. The problem is that this information is supplied to the IRS as additional income. This would be correct if it was a loan that I defaulted on and did n't include in the Bankruptcy. Now the IRS is showing that I have an increase in my income by {$1900.00}. This is incorrect. What are my rights and options to get this taken care of? I have tried to contact EZCORP in regards to this, but I can not get through on their phone lines. I even asked them to contact my attorney but they never did.


Date_received: 06/30/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
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: CA
ZIP_code: 941XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
What happened to my XX/XX/XXXX alert email? XX/XX/2016, the the associate had told me that I had to cancel my debit card in order to reopen my claim because I did not report as stolen card and there was no 48 hours response concerning about the 60 days period from you, XX/XX/2016.


Subproduct: Ditech Financial LLC
Issue: AZ
Subissue: 859XX
Company_public_response: Consent provided
Company: Web
State: 04/21/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
In summary : I was never notified of the transfer of service of my mortgage I was never notified the XXXX XXXX payment was not recorded I have provided XXXX different forms of proof of payment I am being charged late fees Late payments have been reported on my credit I have spent more than five hours on the phone trying to rectify this situation I have done nothing wrong With this complaint I am including : My phone call record The payment dispute sent to DF Letter from DF acknowledging the payment dispute and cessation of all collection activities Collection letter from DF The transfer of service letter from XXXX received in XXXX XXXX


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: JPMorgan Chase & Co.
State: OR
ZIP_code: 972XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My name is XXXX XXXX XXXX and my husband ( XXXX XXXX XXXX ) and I had our accounts levied on XX/XX/XXXX and would to verify that the debt is legitimate. The company that issued the Levy is called XXXX XXXX XXXX We have not received any correspondence from this company by mail or phone that we are aware of. I was told when I called that the levy was based on a judgement that was issued XX/XX/XXXX based on aChase bank credit card account issued in my name.


Date_received: 04/06/2016
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: TX
ZIP_code: 773XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Experian has inaccurate social for me, accounts listed that do not belong to me as well as many addresses. I have disputed with same results as before. I even supplied Experian my personal information which validates they have wrong information. Due to these errors they are hurting my credit score. Please help this is wrong what they do to consumers.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Sued where didn't live/sign for debt
State: Cavalry Investments, LLC
ZIP_code: GA
Submitted_via: 301XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/05/2016
Complaint_ID: Closed with non-monetary relief
Consumer_narrative:
XXXX XXXX XXXX ( Cavalry SPV I , LLC ). After things at my work changed, I took full retirement when I could. My wife and I and daughter then moved to live in my wife 's GA home. The Warranty in Debt mailed to us was mailed only ( not signed for ) at our old still empty VA house address. It was mailed XXXX/XXXX/2016. After the mail was forwarded, we finally got the notice in early XXXX 2016. That 's about two months later. The original court date was for XX/XX/XXXX2016. After getting on-line, I fortunately saw the case was continued for XXXX/XXXX/2016. We called to settle the debt through their local XXXX XXXX XXXX. We paid and settled the debt on XXXX/XXXX/2016 through XXXX XXXX XXXX for Cavalry SPV I , LLC. They had bought the debt from XXXX XXXX. Although we paid {$1800.00} and settled the debt, the account information through the credit reporting agencies should say something like " Account paid for less than full balance. Paid collection '' or "" Paid and Settled for less than full balance ''. The account should also be closed with no balance now. Instead

Company_public_response:
 the account remains open and with {$470.00} balance remaining and is still be reported to the credit agencies that way."


Date_received: 05/10/2016
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: TransUnion Intermediate Holdings, Inc.
State: AZ
ZIP_code: 852XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
The state of Illinois put a lien on me for supposed back payroll taxes. This lien has been removed, as it should have since the taxes were estimated by the state and never owed in the first place, I had no employees during or since the periods in question. The Illinois Appeals board has removed the debt from me on XXXX/XXXX/XXXX. I have tried several times to get each of the credit reporting companies to remove this from my report but they keep telling me that it is still being reported by the state. I have and will attach a copy of the letter I received freeing me from the debt which I believe should also clear this from my report since these taxes were never owed in the first place. I have been fighting the state of Illinois since XXXX on this and should not have to have this phony tax burden hurting my credit it is making things very hard to move on with my life.


Date_received: 04/28/2016
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: 944XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Macy 's Credit allowed a hacker to make purchases on my account including an electronic gift card for {$100.00}. I phoned in the details on XXXX/XXXX/2016 and followed it up with a fax of their fraud form on XXXX. Called it in on XXXX and they could not help me, instead they said they would call me back in 20 minutes. One day later and have n't heard back. It 's been 4 months since the incident and I have not found a resolution to the fraud they allowed to occur. Their system allowed a hacker to send an instant gift card to anyone without allowing the actual owner of the account the ability to cancel it. Meanwhile I 'm being charged 25 % interest while they take their time fixing this.


Date_received: 11/04/2015
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: D2 Management LLC
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 11/04/2015
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
I received a call from a lady I asked where shw was calling from she said D2 management. I am calling about a return check from XXXX XXXX. I advised her that debt was more than 10 yrs old I know that they are one of those comapnies that go thru old debt that has expired and try to collect. I advised her to remove my number and not to call again. She stated you know you owe it we are not going to stop calling. I advised her my husband just passed away this morning do not call here again. She states it does not matter we are going to keep calling I advised her I was going to report her and the company. She called from XXXX between XXXX XXXX/XXXX/2015. I called the number back .My husband just passed away this morning we called XXXX they rushed him to the hospital than pronounced him dead.


Date_received: 04/21/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Tormey Bewley Corporation
State: CO
ZIP_code: 802XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
4 times over the last 5 days an automated voice message has been left from Advantage Debt Collections stating that they are trying to collect a debt but will not state who owes money. They want you to call them. I do not owe anyone any money, so I left 2 different voicemails regarding my phone number and that I did not have any debt and to please stop calling and leaving messages. I have the phone numbers ( XXXX and XXXX ) that they use on 'ignore ', but am annoyed that they keep leaving the same automated voice message.


Date_received: 05/06/2016
Product: Bank account or service
Subproduct: Other bank product/service
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: Bank of America
State: OR
ZIP_code: 970XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had to wait 20 minutes ( on hold ) just to get the address I needed to mail in my monthly bill payment. The information I needed did not appear to be available on the website.


Date_received: 05/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: NM
ZIP_code: 875XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax is giving me the run around and refusing to investigate and remove accounts from my credit report that do not belong to me.


Date_received: 04/18/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: the due date
State: Company believes complaint is the result of an isolated error
ZIP_code: Ditech Financial LLC
Submitted_via: NJ
Date_sent_to_company: 080XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/18/2016
Consumer_narrative:
In XXXX, I bought a house and was financed through XXXX who sold my mortgage to XXXX XXXX XXXX, who then sold it to Greentree Service which became Ditech. There have been issues with Greentree and Ditech all along the way, with fees and harrasing phone calls, but the kicker was that I started to get a refinance in XXXX XXXX. From then until now, it has been one list of confusion and run around. No one in this company gives you the same answer and money seems to go missing. I first was told that I owed late fees but they couldnt tell me how much or for what or why I had money listed in an account marked " other funds '' but that wasnt late fees paid. Then they did a research on my account and magically made things add up after weeks and weeks. They lost my payment miss applied my XXXX mortgage with my XXXX and than held up a few more weeks. XXXX seperate checks with XXXX seperate accts numbers. Then finally the refinance department calls me and say they called my home owners insurance company and found out that my policy was cancelled a year before in XXXX XXXX because of non payment. Although it has always been part of my escrow. But when I call customer service they tell me no maam you are insured. They give me the policy number

Company:
 the amount due etc. So for the past week its been chasing my tail to get straight answers. Where is my missing money? Why wasnt my policy paid. Where is a check they tell me they refunded me. Why dont they realize that if they have an extra {$1100.00} in the acct they may need to figure something out! I now have been dropped from my insurance company who wont take me back because of the lapse. I had to get a terrible policy just to get coverage. My out of pocket XXXX forbid something happen is {$2500.00} its a nightmare. So now that I ask where my money is now tax payments show that they have been issued to the county and XXXX to the city ( although I dont pay a city tax ). Both for the same amount. My township says they havent received a payment since the XXXX quarter. I think my money is being stolen or pocketed. I need help."


Date_received: 05/20/2016
Product: Credit card
Issue: Billing disputes
Company: Amex
State: NY
ZIP_code: 115XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
american express is not doing the right thing about my bill They handed it over to a collection agency where i am never giving out my social security number. I asked did they sell u the account. they wont answer me. Please be a meadiator with American express.I plan to pay off bill by XXXX 2017.


Date_received: 05/15/2016
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: Bank of America
State: NY
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX, I had applied for XXXX XXXX to XXXX, on the XXXX XXXX. For XXXX XXXX, I got charged twice via XXXX transactions for the same XXXX. I called the Vendor and I was assured that there was only transaction recorded. The first transaction ended in error necessitating the second transaction. So for issual of XXXX XXXX XXXX I got charged twice. The vendor issued only XXXX XXXX, but charged me twice. Upon calling the Bank of America a credit in amount of {$61.00} was issued correctly. Now the Bank of America has re-instated the charge of {$61.00} despite the vendor providing only XXXX XXXX but charged twice. The vendor supplied the paper work for charge proving its validity but hid from the Bank that it issued only XXXX XXXX but charged twice. The transaction reference # XXXX. The date of Original transaction is XXXX/XXXX/XXXX and the date of debit is XXXX XXXX, XXXX


Date_received: 05/24/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: TX
ZIP_code: 787XX
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:
Equifax is reporting a XXXX card that I am an Authorized User on. This is incorrect. I do not know anyone that added me to a XXXX card. I have written Equifax several times over the past few years to no avail.


Date_received: 06/21/2016
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: Diversified Consultants, Inc.
State: IN
ZIP_code: 471XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I never received any notification regarding a cable bill that I do n't remember not paying. I would like to get a copy of this bill showing the company name and address of service. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company


Date_received: 04/22/2016
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: 928XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My client is XXXX XXXX the daughter to XXXX XXXX. XXXX XXXX is responsible for the payment of mortgage. She has a financial hardship in that she had lost her job and her unemployment had expired. My office is preforming a short sale and the property has been listed. There is a residential listing agreement. There was a deed that needed to record from XXXX to XXXX to correct a title issue. XXXX XXXX would not execute the Deed per title requirements as XXXX XXXX had failed to hold up an end of the agreement. I have mitigated this situation and now XXXX XXXX has executed the Deed. We have the deed to complete the transaction and is being recorded concurrently when we close. Title is opened with XXXX XXXX XXXX and XXXX XXXX XXXX.


Date_received: 05/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: MA
ZIP_code: 021XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My Experian credit report displayed an address at which I 've never lived. XXXX XXXX XXXX XXXX, ma The only place in XXXX at which I 've lived is XXXX XXXX XXXX XXXX ma. That was over ten years ago.


Date_received: 04/27/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Citizens Financial Group, Inc.
State: IN
ZIP_code: 460XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX of XXXX I bought a new car. The dealer told me that I would be contacted by Citizen One ( then RBS Citizens ) about the exact amount of each monthly payment and about the exact date each payment would be due. Sometime shortly after that Citizen One sent me my first monthly billing statement. For the next 2 1/2 years Citizen One set a precedent and created an expectation by regularly sending me monthly billing statements. During that time I faithfully made each payment on time and, on several occasions, made monthly payments for several months in advance. For these reasons I relied on receiving my monthly billing statement from Citizen One to know the exact amount of and the exact due date of my next loan installment. In XXXX XXXX Citizen One suddenly and unexpectedly stopped sending me billing statements. I did n't notice ( I had been habituated by their monthly notices and I had been trained to think of sending a payment only after I was notified ) and, as a direct result of Citizen One 's failure to send a monthly billing statement, I was late with my XXXX payment. When their credit department contacted me I sent 2 months payments ( current + one month in advance ) and notified them that I had n't received a statement. Their customer service representative told me that I should have received a monthly billing statement, it was Citizen One 's policy to do so, verified my contact information ( which had n't changed ) and, under the circumstances, waived the {$20.00} fee I had been assessed for being late. She also assured me that I would start to receive monthly billing statements again. Unfortunately, I did not. Nor did I notice. As a result of that failure on the part of Citizen One I was again contacted in XXXX by their credit department that I was late again. I immediately made 2 months payments ( current + one month in advance ) and pled with their customer service department to please get a monthly billing statement to me. Mail it, fax it, e-mail it - I did n't care. Just get one to me. This time they promised to mail me a paper statement and e-mail me my reminders. To date I have n't received either. As a result I was late again in XXXX. I am not accusing Citizen One of intentionally withholding my monthly billing statements but I find it very suspicious that all of my other mail is delivered without incident. I am never - and I do mean never - late with any of my other bills. I also find it convenient ( and profitable ) that Citizen One gains from their own failure! They are now refusing to waive XXXX {$20.00} late fees. Something is very wrong on their end and it is entirely unfair that I am being penalized for not being sent a monthly billing statement which serves as notification that a loan payment in a specific amount is due. Furthermore, I should not be charged {$20.00} fees when my payment is late as a result of neglect or failure on Citizen One 's part to send me a monthly billing statement. I suspect that I am not the only customer of Citizen One with this problem. I have made exhaustive efforts to remedy this issue with the bank but they are intransigent and so I am filing this compliant to get this situation resolved and, on the principles of being fair and taking responsibility for their part in creating this problem, get the outstanding late fees waived and ensure delivery of a monthly billing statement.


Date_received: 05/04/2016
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 disputes the facts presented in the complaint
Company: Fidelity Capital Holdings, Inc.
State: CA
ZIP_code: 900XX
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 have asked Fidelity Creditor Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and 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 XXXX 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: 04/21/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Complaint_ID: Yes
Consumer_narrative:
I am requesting for the last time with this notice that the following inaccurate items be DELETED from my credit report not belonging to me. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, OH XXXX NOT MINE 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 County 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 County Against XXXX 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 E or evidence of my mailing address ect

Company_public_response:
 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

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

State:
 you must correct any erroneous reports of these as mine. Please evidence your endorsement under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) 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: 05/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
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: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Wells Fargo ( or a company purporting to be from Wells Fargo ) robo calls my work number at least five times a day. When I do answer, no one is there. When I attempt to call them back, I 'm put on hold with a recorded message playing and no one picks up. Please stop the robo calls to my job as each call is recorded on my phone record and it does n't look good to my employer. The number they are calling from is XXXX XXXX XXXX XXXX. I had an account with them a few years ago, but they have sent nothing in writing to my home address, nor tried to reach me at my home. They should have all that information in their files.


Date_received: 05/10/2016
Product: Credit card
Issue: Payoff process
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: NE
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am following up on CGPB Case XXXX. I received a letter from Synchrony Bank in XX/XX/XXXX stating a resolution to the outstanding complaint and at the same time, received their updated billing statement which does not match the commitment made on the letter. Please see the attached.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
State: CA
ZIP_code: 902XX
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 credit card account for a business, not for my personal use, was opened the business ' federal tax ID number. I was not the head of the business and when the business had failed and did not pay its credit card balance, it was reported under my personal credit report. Ultimately, this credit card account was paid for in pull for less than the full balance and closed. However, this remains as a derogatory mark on my personal credit report even though I was not the head of the business and did not have any financial decision making power. All three credit reporting agencies refuse to remove this account from my credit report.


Date_received: 05/13/2016
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: OH
ZIP_code: 441XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX checked my credit said their were delinquinces on my credit report from XXXX experian and XXXX on XXXX/XXXX/2016 serious deliquencey and a number of accounts with delinquencey i have no delinquinces on my credit report at this time through XXXX this information is not true. also no time since deliqunicies on my report


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: NJ
Subissue: 088XX
Company_public_response: Consent provided
Company: Web
State: 04/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
( B ) Contents. As part of, or in addition to, the notice under subparagraph ( A ), a consumer reporting agency shall provide to a consumer in writing before the expiration of the 5-day period referred to in subparagraph ( A ) ( i ) a statement that the reinvestigation is completed ; ( ii ) a consumer report that is based upon the consumer 's file as that file is revised as a result of the reinvestigation ; ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available


Date_received: 07/02/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Specialized Loan Servicing LLC
ZIP_code: CA
Submitted_via: 945XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 07/02/2016
Complaint_ID: Closed
Consumer_narrative:
SLS has not applied two payments made on XXXX/XXXX/2016 and XXXX/XXXX/2016 to our mortgage account. Both payments were made electronically using a service called XXXX. We have paid our mortgage payment using this same process for over 5 years and have not had this issue in the past. We have contacted them numerous times ( 10+ ) and submitted documentation showing the money has come out of our checking account yet they have not given us credit. They have not called us once since our initial call on XXXX XXXX and have not acknowledged receipt of any of our documentation until I call them to verify that this documentation has been received by them. I have had to pay XXXX additional monthly payments for the two months ( XX/XX/XXXX and XX/XX/XXXX ) to get the account out of arrears and requested this amount of {$3600.00} ( equal to two months of payments ) be refunded to us since I have paid XXXX payments for 2 months. No one is taking responsibility to get this done. Their billing statement has a " Error XXXX and Requests for Information '' section which references that borrowers have certain rights under Federal law relating to resolving disputes and says you can learn more about this on their website but there is nothing that I can find on their website that gives information on this. They also list their phone # but when I was talking to XXXX

Company_public_response:
 a Supervisor in Executive Services Department he did n't answer the questions I asked about them having 30 days to resolve or respond to my inquiry and request."


Subproduct: Afni, Inc.
Issue: FL
Subissue: 331XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Closed
Date_received:
In XXXX 2015 a new debt collection agency called AFNI is trying to collect the same debt of {$470.00} from XXXX and reported to the credit agencies again


Date_received: 05/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: NM
ZIP_code: 871XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax is ignoring my requests to investigate and remove accounts from my credit report that do not belong to me.


Date_received: 05/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: LexisNexis
State: NJ
ZIP_code: 088XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This credit reporting agency attempts to circumvent the entire system of the CFPB. Basically, this agency types up a standard template response in an attempt to quickly close consumer generated complaints. In fact, under original complaint filed with the CFPB ( XXXX ) filed on XXXX XXXX, 2016, this agency stated that they would make the appropriate corrections within the 30 day Fair Credit Reporting Act. Well, it is now almost 60 days, and this disorganized, unethical company has not provided any updates, no communication, nor have they followed the Fair Credit Reporting Act. It is no wonder that most large companies do not depend on any information from this credit repository.


Date_received: 05/18/2016
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: UT
ZIP_code: 840XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
TransUnion has deleted and corrected my credit report and then reinserted these inaccurate items that they previous deletions without any warning and are causing me to losing my financing.


Date_received: 07/01/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
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: Wells Fargo & Company
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/XXXX, I applied for a mortgage loan for a property that cost {$220000.00}. I received the terms for the mortgage. I had money for the down payment and closing cost. About a week or two before closing I received a letter in the mail stating that there was a XXXX mortgage in the amount of {$33000.00} and that the mortgage had a balloon payment that would be due in 10 years. I felt uneasy and should have pulled out of the whole deal, but was told that was the only way they could finance the loan. I went ahead with the closing and moved in. Several times during the past ten years, I have tried to refinance, modify, and short sale the property. Each time being put through months of paperwork, just to be told no. Fast forward to XX/XX/XXXX, the balloon payment is due. I owe about {$30000.00} on a loan that was originally {$33000.00}. My monthly payments were {$260.00}. I paid that amount on time for 114 months. That means that I have already paid Wells Fargo {$29000.00}! However, I still owe them a lump sum of around {$30000.00}. Wells Fargo will make about {$60000.00} on a {$33000.00} which is almost a 50 % interest rate. Basically, for every dollar I was lent, they are getting back XXXX. How can this be legal? On top of that, my first mortgage was interest only, so I have made little progress in paying that down.


Date_received: 05/05/2016
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: PA
ZIP_code: 195XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am one of many customers of Ditech mortgage company that toke the money from the mortgage and report that they never received. On XX/XX/XXXX after refinance the home with Ditech I send my first payment of {$2200.00} trough my bank on bill pay to make sure everything was OK. On XXXX XXXX the collection department call me at work and say that they never received the payment and that I need pay immediately if I do n't want any late payment on my credit. They also told me that my Bank had the money. I pay my payment immediately and call my bank to make sure they release the money. After hours on the phone with the bank and 3 way call with ditech we finally realize that Ditech apply the payment to a different account that was not my and never fix the problem. My bank release the document to them on XXXX XXXX that state and confirm that Ditech had this money apply to a different account and that should reimburse the money back to me. After almost every day call and spoke with multiple supervisor and XXXX they told me that will process the refund on XXXX XXXX and should take 3 to 5 business day to get the money back to my bank account. Today is the 6 business day and not money when back to my account on not one call me back for update on my account status. This is the worse customer service I had and I am upset that they have my mortgage for many years. Their excuse was that they change the system and all the account got changed. I received XXXX bills from Ditech on my address with XXXX different account numbers. How a financial institution can make such a mess and do n't fixed in time so customer do n't need pay the expense. Collection department now call me at work for my next payment when they own me one. I will continue to escalate this matter and follow all the process. I also record all the conversation with them to make sure that I have everything on file. I want my money back before I pay the next payment and should give me interest because they hold my money for 36 days.


Date_received: 05/21/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Innovative Credit Solutions
State: CA
ZIP_code: 935XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have continually asked this collection agency to Cease and Desist on collection activities, including removing from all three credit reporting agencies, and they have yet to comply. They have been unable to furnish a validation of debt, as the original creditor information does not match the information they are reporting. What they are doing is a direct violation of FCRA Section 623 ( XXXX ) ( A ) : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have furnished proof that not only is the amount they are reporting incorrect but it is well beyond the statue of limitations of 7 years and 180 days for collections. As this account is now XXXX since delinquency.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer_narrative: after receiving a voicemail from someone whom identified themselves only as " XXXX?
Company_public_response: a carrier for the area ''
State: requiring identification and a witness
ZIP_code: i immediately called back and got to "" XXXX ''. I denied owing any monies to them
Submitted_via: their employer
Company_response: i gave them my address
Timely_response: where they sent their first piece of correspondence to me
Company:
 implying she had legal paperwork to be issued to me the following day at my home and place of employment

Date_sent_to_company:
 or the original creditor and requested validation. This was immediately met with a defensive attitude

Consumer_disputed:
 this letter ( which i am submitting as proof ) contained no validation of the debt. nor did it tell me my rights of disputing it. regardless

Complaint_ID:
 i disputed it by certified mail ( the letter is also being submitted ). this company is refusing to respond or delete this from my credit report."


Date_received: 03/08/2016
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company_public_response: Company can't verify or dispute the facts in the complaint
Company: Riverwalk Financial Corporation
State: SC
ZIP_code: 292XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/28/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
Threatened me on the phone that they were going to arrest my wife if she did n't pay a debt she supposedly owed them. I paid all her debts off in 2012, so that 's not possible. They also called my sister a few weeks ago and claimed my wife was going to be jailed for failing to pay. How they got her phone number is beyond me.


Complaint_ID: Yes
Date_received:
Because of the amount of time that has passed and the fact that we have physically relocated 3 times since the purchase of that vehicle, I can not locate the file that contained the original loan and purchase documents. That is why I thought I would simply go to DMV and file for a " lost title ''


Date_received: After attempting to make contact
Subproduct: indeed the case
Complaint_ID: Yes
Product:
 they were excessively rude and immediately accused us of never satisfying the loan. When I asked if that were

Issue:
 why then had no one from their company reached out to us in all these years so that I would have had the necessary documents to prove that we did in fact satisfy our debt to them. Their tone became increasingly hostile when asked about my spouse who I informed them that my legal spouse is a woman ( as am I )


Complaint_ID: Yes
Date_received:
So this is where we find ourselves with a financing company who claims they never received the pay-off and the fact that they are a frightening predatory lender who was forced to pay fines and forgive auto loans due to illegal collection methods


Subproduct: Westlake Services, LLC
Issue: WA
Subissue: 982XX
Company_public_response: Consent provided
Company: Web
State: 06/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
It has taken us several years to repair our credit after losing our employment in XX/XX/XXXX which led to the damaged credit that gave us no option but to enter into a car loan with Westlake Financial at 29.90 % interest back XX/XX/XXXX. Now we are seriously concerned about them taking a fraudulent adverse action against us that could cause us financial damage in the process of making us pay for this loan twice."


Date_received: 05/17/2016
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 believes it acted appropriately as authorized by contract or law
Company: ERC
State: NC
ZIP_code: 282XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
ERC collection services, sent a collection notice to my parent 's address. I believe this was an attempt to avoid the mandatory validation period. My current address has been the same for 6 years and it can be verified on my credit reports. My mother just sent forward this notice to me on XXXX XXXX, 2016. This letter was sent to my parent 's house on XXXX XXXX, 2016. This was an obvious attempt to circumnavigate the validation process, by sending it to my parent 's address. Derogatory marks concerning this notice has appeared on my credit report. This is in violation of the Fair Debt Practices Act, because I never had an opportunity to seek debt validation.


Date_received: 07/02/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
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: FL
ZIP_code: 342XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/02/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
I have recently discovered some collections on my credit report that do not belong to me. Someone has used my name and now I am repeatedly being harassed and threatened for bills that do not belong to me. These agencies use XXXX collection attempts and the US Govt. should stop this. These collection agencies are relentless and they continue to call my place of business, my home, my friends and my relatives, all hours of the day or night seven days a week. They are trying to force me to pay for services and/or bills that are not mine. Also the collections are from a state I have never resided in. I have tried to resolve this on my own to no avail and I refuse to pay or settle on a bill that is not mine. Looking through my investigative notes it seems that the ( XXXX ) medical collection 's on my credit report are connected to XXXX visit to a NC doctor visit. It seems my name has now been sold to yet another batch of piranhas because I am now being harassed from new telephone numbers from a different state.


Subproduct: Caliber Home Loans, Inc
Issue: NJ
Subissue: 080XX
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
In XXXX, XXXX XXXX transferred my mortgage to Caliber Home Loans and I was notified by mail of the transfer of my mortgage. I then received a welcome letter from Caliber informing me that my mortgage payments should be mailed directly to Caliber after the XXXX of XXXX. I reached out to Caliber respectfully requesting my mortgage coupons so I could make my payments in a timely matter. Caliber Home Loans never sent me my mortgage coupons. A week later, Caliber started the foreclosure process on my home. I then reached out to the XXXX XXXX and I was directed to a company called XXXX. XXXX submitted a modification to Caliber in XXXX of XXXX. I was in contact with XXXX and Caliber Home Loans in regards to my modification application. Caliber informed me that they never received my application from XXXX. I then reached out again to XXXX and explained to the counselor that Caliber informed me that they never received the application. Shortly after my conversation with XXXX the XXXX resubmitted my application. I followed the instructions that were given to me and stayed in direct contact with Caliber Home Loans as well as XXXX. During that time I was employed and my application for modification was denied once again because my income was 'too much '. XXXX XXXX XXXX I lost my job. In XXXX I started receiving my unemployment benefits. I stayed in contact with Caliber the whole time that my mortgage was in their hands. In XXXX XXXX, I spoke to an agent from caliber and explained my situation again. I still did not receive my coupons from Caliber. I was then informed to submit a letter and request Caliber to send me my mortgage coupons, so i could start making my payments. I have records of Caliber receiving all the documentation. Now I 'm in contact with a certified XXXX councilor in an attempt to resolve this issue and save my home.


Date_received: 05/06/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Taking out the loan or lease
State: Hyundai Capital America
ZIP_code: PA
Submitted_via: 164XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/06/2016
Complaint_ID: Closed
Consumer_narrative:
I returned a leased Kia to a Kia Dealer and purchased a new Kia. It was a demo car with XXXX miles on it already so I could not get it financed through Kia with 0 % financing. I got the final bill on my lease agreement and they are charging me a disposition fee of {$400.00}. I called and asked to have it reversed and they declined, stating that " You did n't really buy the Kia

Company_public_response:
 Capital XXXX did. '' I did n't have an option of financing my Kia through Kia. I already paid a higher percentage rate as a result of buying a demo car. Now I am expected to pay additional fees when I remained loyal to the brand? No one disclosed this fee to me at the time of closing the deal either. This is a very deceptive practice and the fact that it would not even be considered for review feels very wrong to me."


Subproduct: Afni, Inc.
Issue: OR
Subissue: 973XX
Company_public_response: Consent provided
Company: Web
State: 05/21/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Closed
Date_received:
Today I received another bill from Afni, so I called them to explain that I had already paid the bill. They are demanding proof from me rather than checking with XXXX. Because the payment was made via bill pay, I will have to go into my credit union branch to get a copy. This will be time consuming and annoying. I feel the burden should be on the collection agency to ask their client to double check their records. In the meantime, my credit score has been harmed by the report to credit bureaus by Afni.


Date_received: 06/22/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: FL
ZIP_code: 334XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX Unauthorized inquiry this is my second dispute. I requested this company validate or prove I authorized this inquiry with my signature no proof ever was sent to me and inquiry was never validated showing my authorization over the pass 60 days. I need to this reinvestigated and actual proof of validation sent to me showing were I authorized this inquiry or remove inquiry from my Equifax credit report


Date_received: 05/09/2016
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: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
EXPERIAN fails to remove the XXXX account. EXPERIAN fails to verify this account. 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.


Date_received: 06/01/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: Capital One
State: IL
ZIP_code: 606XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Filed a complaint with Capitol one credit card company requesting that they investigate credit card fraud. My information was stolen and used without my permission. And pursuant to the request that they cease in reporting it as a delinquant issue on my credit report. I recieved an answer that they verified that it was my card, however that wasnt the complaint the complaint was that it was used fraudulantly. They refuse to close and remove the negative information from my credit report. I work for the DOJ and I am a Military VET this is hurting my ability to advance my career and also buy a home for me and my family.


Date_received: 04/14/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Speedy Cash Holdings
State: TX
ZIP_code: 770XX
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 submitted a debt validation request to XXXX XXXX XXXX on XX/XX/2016 and when I tried to verify with a representative, XXXX, about the company receiving my request he told me that XXXX XXXX XXXX refuses to comply with the debt validation unless I give them permission to contact me by phone to discuss my account and continue attempts to collect the debt before proving this debt is mine. This is a violation of the FCRA.


Date_received: 03/18/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: New York State Higher Education Services Corporation (HESC)—
State: GA
ZIP_code: 305XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Back in XXXX I was offered a student loan in the amount of XXXX while attending XXXX XXXX XXXX. while I was making payment on the loan my income tax was intercepted to pay off the loan. I had never heard from the XXXX since until XXXX when I called them to find out why I was denied financial aid. they could not find a reason. some XXXX took all my info and said they will call me back in few weeks. After about 6 weeks I called back with not success until later I received a notice that I owe $ XXXX they want to garnish 15 % of my income. I requested a hearing which they denied.


Date_received: 05/06/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Exeter Finance Corp
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Back in XXXX I was made aware that Exeter Finance Corp reported my account delinquent 30 days or more past due for my XXXX & XXXX 2015 payment. I called and spoke with a CSR and through that conversation realized that they were missing a payment that I made. I was told that I need to send documentation of the payment being cleared. Within a week I sent in my bank statement showing the payment was made with my debit card and cleared. I continued to follow up on the status of the update for weeks and was unsuccessful. Thirty days past and finally I decided to report the company to the XXXX and I filed a complaint. After a couple back and fourth responses the company applied my missing payment to my Exeter Finance Account. As I was going through that ordeal the company again reported my account past due for XXXX & XXXX although I made my payment for XXXX was granted a three month extension for XXXX, XXXX and XXXX ( which I later found out was not true, I was only granted a two month extension therefore the CSR provided me false information ). I called again asking what was this about and was told this time that the wrong payment information was given and that my payment did not clear the bank. I have a letter from my bank as well as my bank statement for the month in question of the payment. Not only was there sufficient funds for the payment to have cleared the account, my bank has provided me with a letter stating that there was no attempt that came through from Exeter Finance to obtain payment. I repeatedly ask for Exeter to update my credit file as to not being past due because again as with my misapplied payment that caused this issue from the beginning there was clearly an issue processing my XXXX payment as well. I have been unsuccessful in getting this issue rectified. It is simply not fair that a company can make a mistake no fault to the consumer and there is nothing that the consumer can do to protect their credit history. I have actual documentation, all I have heard from them are words filled with inaccuracy but they have yet to provide me with the information of what account number they allegedly attempted to process my payment. It could have been a case of system or human error that process the wrong information, however that is no fault to me the consumer and I should not have to reap the negative consequence of it. I have the responses made from the company Exeter through the XXXX that are filled with errors of information of what took place and dates as well. I simply want the company to retract the reporting of XXXX XXXX payment being over 30 days past due. They have made several errors and this has gone way too far at this point with no resolution. In addition to all of this, after requesting a ledger of statement account of my payment history, it took the company over 45 days to send it to me. That was just unacceptable.


Date_received: 04/23/2016
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: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a letter in the mail from a collections agency regarding a past due amount of XXXX on my Macy 's account serviced by Department Stores National Bank. Upon review of my previous statements by loging in online I saw that my last purchase was in XX/XX/XXXX. At this time I called Macy 's customer service department to determine why I had not received any bills or notices of a delinquent account. I was told I was signed up for paperless billing and that my e-bill 's had been sent but rejected by my email. Every subsequent bill was therefore sent to this same email and was also not received. So after 6 months of being past due, with late fees and interest incurring, my bill was sent to a collection agency. I continued to receive coupons in the mail as well as coupons in my email but not bills. Not once did I receive any written communication in the mail, a bill in the mail or a phone call. I was told by the customer service agent that I would now have to settle the debt with the collection agency.


Date_received: 06/22/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Company: Equifax
State: FL
ZIP_code: 333XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was viewing my XXXX XXXX report and noticed that there were XXXX inquires from XXXX. I contacted them and they referred me to Equifax and Equifax refused to dispute. They redirected me back to XXXX. I am entitled to dispute fraudulent inquires.


Date_received: 05/13/2016
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: FL
ZIP_code: 338XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
There is a XXXX collection listed on my personal credit report, I have disputed with Experian and they stated they investigated which is false I took it upon myself and called XXXX and I do not have this account or owe ANYTHING. Please help I do not know what to do now. Experian is n't doing anything about this and this remark needs to be removed XXXX XXXX


Date_received: 05/04/2016
Product: Credit card
Issue: Billing statement
Company: Capital One
State: CA
ZIP_code: 922XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Capital one sent me new cards with new numbers they did not have the info from my other card before doing it. All my payments and charges were all doubled on the bill. I knew I paid it off a few times yet they refused to acknowledged the payments made on the other cards. They have done it 3 times with XXXX card. Having no record when using paperless makes it easy for them to deny they payments it also helps them to rip people off if they think you have no record of the info. I think paperless is a nightmare.I have requested that they go over the bills 5 times now each time I pay more money it 's gotten out of hand. I am a XXXX woman my husband is XXXX we have no help with our problems. Please help me get to the bottom of my problems.


Date_received: 05/08/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
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: Credence Resource Management, LLC
State: NJ
ZIP_code: 081XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I paid to them a bill that was owed, but I was told I would received an email verifying payment and received written statement that this bill was paid in full. I have received NOTHING CONFIRMING my payment. Glad I paid by credit card.!!!!!! I want my proof I am PAID IN FULL!!!!!!!!


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Sarma
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
The company is aware of my dispute yet has not updated on my credit report that the account is disputed which is a direct violation of the FCRA. They also can not provide me verification of debt as I have requested. My social is XXXX date of birth XX/XX/XXXX


Subproduct: Navient Solutions, Inc.
Issue: CA
Subissue: 900XX
Company_public_response: Consent provided
Company: Web
State: 05/02/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
The last I heard from Navient was on XXXX XXXX, when they told me that my payment had been applied to a different account, that they had fixed it, and that I would be receiving a settlement in full letter shortly. Instead, I received a collection letter for XXXX XXXX for the full balance with no mention of my settlement or the settlement payments I made.


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
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: NV
ZIP_code: 891XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My checking account with bank of America was purposely overdrawn because the bank would process a check ACH and deduct the amount from my balance. Then a paper check would come through and they would back date it to before the date I wrote the check. This would cause the ACH check to over draw my account and I would be charged a XXXX dollar fee even for items that did n't overdraw the account. I am now so far in the red I am threatened with legal action


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: CA
Subissue: 945XX
Company_public_response: Consent provided
Company: Web
State: 06/14/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
But when I contacted Macy Citibank, they said it would take 2 billing cycle to reflect it in my account. But now even after 3 months, Macy 's account is still showing up the charges and they are saying they have n't received the money. I do not how to resolve this issue and I 'm really frustrated because XXXX says they have transferred the money but XXXX Citibank is saying they have n't received the amount. On top of this, Macy has complained to Credit Bureau marking it as Delinquent account. As a result, my credit score has dropped more than XXXX points and has gone from XXXX to XXXX. Please help me in resolving this issue at the earliest!!


Complaint_ID: Yes
Date_received:
After two weeks trying to reach XXXX XXXX, he finally contacted me and he assured me he would talk to the regional manager ( XXXX ) to find out what is going on. Finally he sent me an email indicating and his reply was : " Hello XXXX

Product:
 I have finally had an opportunity to speak with XXXX and get to the increase in closing costs. Our initial interview was on XXXX/XXXX/XXXX. At that time I was calculating the Tax Transfer Fee to be a common and customary fee 100 % paid by for by the seller. XX/XX/XXXX

Subproduct:
 we were informed that this fee was no longer paid 100 % by the seller and would be 50 % split between the seller and the borrower. I had assumed that this was from XXXX on and would not affect any of my clients that started this process in XXXX


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Pulte Mortgage
Issue: MI
Subissue: 483XX
Company_public_response: Consent provided
Company: Web
State: 06/02/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I believe Pulte Mortgage LLC needs to refund me for total of {$5900.00} regardless of what they have decided on XXXX/XXXX/XXXX. Whether this was an honest mistake or not I made my decision based on the numbers and amounts that was discussed with me through the entire process and I believed that was the correct amount until the closing date."


Date_received: 05/18/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
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: NY
ZIP_code: 119XX
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 paid XXXX collection accounts that appeared on my credit report. XXXX of the accounts was promptly removed from my credit report the other XXXX-Trans Union is stating will remain for XXXX years. I am going through a mortgage process and this is preventing my approval. Even though its been paid, they are refusing to remove it from my report. I have letters of satisfaction stating paid, they told me to fax it over to them. I attempted to fax-and it was unable to go through. They kept telling me that the creditor has to give them APPROVAL to have the debt removed. I called both creditors, 1 ) the XXXX XXXX XXXX XXXX, they said it takes 60 days for the time the payment is received and when it will be removed. 2 ) Escallate, the removal had to be approved by the Vice President of the company. Either way, the debt has been paid, it should be removed.


Date_received: 05/16/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Applied for loan/did not receive money
Subissue: Applied for loan/did not receive money
Company: Speedy Cash Holdings
State: CA
ZIP_code: 906XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
I went in speedy cash on XX/XX/XXXX2016 to apply for a loan but I was told by a speedy cash rep. That I already had an existing account with them.I told the speedy cash rep. That the existing account was not mine and I have never gotten a payday loan from speedy cash.so based on the existing account not belonging to me I have been permanently blocked from getting a payday loan from speedy cash.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: National Check Resolution Inc.
State: NY
ZIP_code: 117XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
XXXX Is calling my principal and coworkers threatening to arrest me at my job. They have all my personal information and it 's scary they are harassing me giving my coworkers my social security number just discusting


Date_received: 04/22/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Equifax states that information regarding a late payments was confirmed by XXXX XXXX XXXX. I have a letter from XXXX XXXX XXXX that the credit reporting agencies had been notified that the late payments are no longer reflected on my account. Equifax refuses to acknowledge the letter provided in my dispute and repeatedly claims that XXXX is validating that the information on my report is accurate. When I contact XXXX via phone they state they are not reporting the late payments.


Date_received: 05/14/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Consumer_narrative: Good morning, XXXX states : " In XX/XX/XXXX
Company_public_response: Select Portfolio Servicing was purchased by XXXX XXXX
Company: a financial services company
State: headquartered in XXXX
ZIP_code: XXXX. According to a Securities and Exchange Commission report ( XXXX : XXXX ) filed XXXX XXXX
Submitted_via: XXXX
Date_sent_to_company: XXXX XXXX XXXX XXXX ( XXXX )
Company_response: XXXX now known as XXXX XXXX
Consumer_disputed: a mortgage servicing company. '' In XX/XX/XXXX
Timely_response:
 purchased Select Portfolio Servicing and its parent holding company for XXXX. XXXX XXXX Investment Banking Strategy [ XXXX ] included "" the acquisition of Select Portfolio Servicing

Complaint_ID:
 the FTC conducted a review of Select Portfolio Servicing 's compliance with certain aspects of the XX/XX/XXXX settlement. The FTC and Select Portfolio Servicing negotiated and agreed to several modifications of the settlement. [ XXXX ] HUD has also agreed to these changes. 


Date_received: In XX/XX/XXXX
Product:
 Select Portfolio Servicing received a $ XXXX bailout from the US Government TARP program. As of XXXX XXXX

Complaint_ID:
 the FTC conducted a review of Select Portfolio Servicing 's compliance with certain aspects of the XX/XX/XXXX settlement. The FTC and Select Portfolio Servicing negotiated and agreed to several modifications of the settlement. [ XXXX ] HUD has also agreed to these changes. 


Date_received: 04/06/2016
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: OH
ZIP_code: 430XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had my report pulled XXXX XXXX, 2015 and discovered some items that were either not mine own personal debt or unverified information. XXXX Acc # XXXX I have been in contact with XXXX XXXX XXXX and I was told that this account was not found in their records.


Date_received: 05/12/2016
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: Bank of America
State: AZ
ZIP_code: 853XX
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 have had a Bank of America account for approximately 30 yrs they started charging XXXX per month for servicing checking, savings account. At the time I had XXXX accounts with them, I was extremely concerned they were taking XXXX per month for my accounts. I closed XXXX account and the rep told me if I I made a direct deposited XXXX per month into that account I would not receive a fee for that account. I started to make the direct deposit every pay period which is biweekly totaling XXXX per month. I checked my account and it was showing fees of XXXX per month for the account totaling XXXX in fees after I did what they advised me. Calling Bank of America the rep informed me it has to be XXXX deposit totaling XXXX to not receive the XXXX fee. This is stealing my money. This is absolutely usury and I am disgusted with the business practices of BofA. My XXXX Banking account does n't charge me fee.


Date_received: 05/16/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: MD
ZIP_code: 214XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Over a year ago due to personal circumstances my mortgage fell behind two or three payments. When speaking with the Nationstar collection representative they promised to take all outstanding late fees and penalties off my account if I brought the mortgage current with one payment for the balance outstanding. I made the payment and was told the adjustment for removing the outstanding late fees would appear on my mortgage statement in approximately 60 days. Months passed, the adjustment never occurred. I have called numerous times, waited on hold for extended periods, been promised someone would investigate and follow up with me. Nobody has ever followed up, nobody gives a satisfactory response and when I ask to speak with a supervisor I get put on hold for so long that I eventually have to just hand up and try another day. The only response I get to my inquiry is that the credit collection person should n't have promised to waive the late fees. That is an unsatisfactory response. The collection agent did promise to waive the fees if the mortgage was brought current, which it was, and Nationstar should be held accountable for honoring the commitments their representatives make when attempting to collect a debt.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: CA
Subissue: 913XX
Company_public_response: Consent provided
Company: Web
State: 06/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Of course by delaying this matter for years they have benefited nicely by collecting 5.75 % on a good size mortgage.


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: 945XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
My concern is that I was in CONSTANT communication with my servicer. I did not want to make a payment if I feel like they are not going to honor or record or do the minimum necessary. Sale date is XXXX/XXXX/XXXX!


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Navy FCU
Issue: AZ
Subissue: 852XX
Company_public_response: Consent provided
Company: Web
State: 04/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I then received a notice in the mail about potential late fees and possible implications to my shares in our account. The payment had already been completed. There was n't even a XXXX day time period, before the notice was mailed out. Our credit worthiness is outstanding, and I ca n't believe that this was mailed out so soon.


Subproduct: JPMorgan Chase & Co.
Issue: MI
Subissue: 483XX
Consumer_narrative: Older American, Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am a XXXX veteran of the United States XXXX XXXX. I placed my life at risk to fight for this country, to protect these rights. I did things in honor of this country, to protect our rights that most men/women have a hard time living with even-though, at the time my orders were necessary. Yet, we have these corporations trampling on these rights, disrespecting every single man and women who fought and sacrificed everything, not just in one war, but in all wars going back to XX/XX/XXXX On top of this, I have lived my entire XXXX years honorably, without ever accumulating as much as a misdemeanor. To add to that, over the last 6 weeks, I have been spending 16 hours a day in the XXXX unit of a hospital. My wife had to undergo XXXX XXXX. She also has other XXXX illnesses, including ; XXXX XXXX, XXXX, has XXXX therefore, has to wear an XXXX, among other things. The hospital had to XXXX. My family makes sure she has someone there 24 hrs a day to watch her and care for her. This alone is physically and mentally exhausting. Yet I have to deal with Chase bank, who from my research has an extensive history of deliberately beaking the laws and ripping consumers off. They do this knowing they will get caught, meaning whatever sanctions they are hit with are NOT a deterrent. Maybe this is why we have an election process unfolding like it is. People are finally saying enough is enough! Now my question is this ... .What are you going to do to address this?


Product: and still
Complaint_ID: Yes
Date_received:
About 6 weeks ago, approx. 1 and 1/2 years after I closed the Regions Bank account, I receive a phonecall from a collection agency saying they are trying to collect a debt I owe to Regions Bank, as a result of closing the Regions Bank checking account. In the 1 and 1/2 years since I moved, and closed that account, I have " never '' received any type of notice from Regions Bank saying that I have a debt with them. I received all of my "" forwarded mail '' from every other company I did business with XXXX but never Regions Bank. In fact I am quite sure I gave them my new address upon closing that account


Date_received: So
Complaint_ID: Yes
Product:
 approximately 6 weeks after I recieve the phonecall from the collection agency ( the first communication regarding a debt owed Regions Bank since XXXX )

Subproduct:
 I receive the first paper bill offering vague details about this alleged debt. I have attached/included a copy of the bill/notice I received by mail XXXX XXXX


Date_received: 05/09/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: Alliant Capital Management LLC
State: LA
ZIP_code: 713XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This company continues to call harrassing my elderly parents, the business office of my ex husband and myself. Identifies through voice mail the personal information that he should only be sharing with myself. Also, I asked for him to provide me in writing the information of this debt, as I do not have any knowledge of it, and when I requested this information he became very rude. All I want is this information in writing and for him to quit calling my employment and my family members. He has my number and address if he needs to get ahold of me.


Date_received: 03/21/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: CMG Financial
State: MO
ZIP_code: 630XX
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 closed our loan XXXX XXXX 2016. When I finally got the paperwork about the loan servicer I attempted to go online and set up an automated payment. The website said my SS # / Loan # did not match. I called up and was told the " correct '' loan # ( different than on the paperwork mailed to me ). I then went in again and got the same error with the new loan #. The customer service # XXXX was automated. When you selected the option to speak with a representative it would redirect you to a disconnected #. If I had not actually applied and closed on a loan I would think this was fraud."


Date_received: 04/24/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
Company: MoneyGram
State: VA
ZIP_code: 221XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/24/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I sent {$80.00} to my son. I 'm in Virginia and he is XXXX in Colorado. I sent this money at XXXX XXXX and he attempted to pick it up at XXXX, unfortuately, they said the money was not there. I have the receipt and reference number and called moneygram directly. so far I have been transfered twice and questioned as of why I sent money and who and purpose, all have been answered. Now I 'm on hold for 20 minutes while my son waits at the counter for resolution. I paid for their services that stated 10 minutes to transfer yet to be received by my son. I 'm still on the phone with MoneyGram, I have been transferred to XXXX levels and the time is now XXXX. I have someone who states they are going to release the money but keeps putting me on additional holds.They claim the money was released however, when I questioned what was the problem they only apologized and I asked again and they put me on hold music. I do know one certain, I will never do business with them again!


Date_received: 05/18/2016
Product: Credit card
Issue: APR or interest rate
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: PA
ZIP_code: 193XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Currently, I have a VISA credit card with XXXX based here in PA. Today, I called to check on my APR. I was shocked, saddened and angered to realize that my APR went from 12.99 % up to over XXXX percent. After speaking to a senior customer service rep, I was troubled by this unfortunate experience. In a nutshell, I called back in XX/XX/2015 to seek a lower APR. The issuer ( XXXX ) put me on a six month promotional rate due to my good credit rating and long standing history with Fulton Bank. Today, I found out that my rate shot up to 18 percent as the promotional rate changed. Here is my issue -- the issuer never provided me notice of the promotional term changing. As a result, I had no real-time info other than looking at my statement to realize something changed on the APR. This is absolutely unacceptable and totally over the edge for credit card companies to get away with. I would like a full investigation launched into this practice. Additionally, I would like to see regulations adopted that require credit card companies to provide 30-60-90 notices on these promotional rate changes. I can only imagine how many consumers are being impacted by this practice. My conversation today was alarming as the service rep basically said it 's your responsibility to read your bill -- end of story. I agree with that but why NOT require a back-end notification on the promotional rate changes.


Date_received: 05/14/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: JPMorgan Chase & Co.
State: WA
ZIP_code: 980XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They are calling me saying I owe a debt and they are Chase Receivables and their web site is called chaserecievables.com. I have never had a account with Chase Bank. I have call Chase bank and they do n't know the phone number they have left for me to call. Chase bank has told me not to share any info with them. When I did call, because they call everyday, they wanted me to verify the address by giving where I lived. I ask them to give me the address the have and they would not do that saying it is illegal. I ask why they have not mail any info to me. they say they have. The biggest problem I have with this is the are calling my home phone. I never use this number for anything. Do n't even know it without having to look it up. I only use my cell phone and they have never call me on my cell phone. I feel this is a scam and want the phone call to stop.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Barclays PLC
Issue: NC
Subissue: 282XX
Company_public_response: Consent provided
Company: Web
State: 05/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
They are able to release the payment every-time after a phone call that consists of having to type in my card number my zip code then listen to 2 minuets of recorded balance information util I can then push XXXX more codes and finally get to a representative to have to give them my date of birth and last XXXX of my SS #.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: WI
ZIP_code: 545XX
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 the victim of ID Theft on XXXX XXXX, XXXX. The FTC Complaint form, police report and all ID Documents were sent to the loan company, and they agreed to remove the Hard Inquiry from my Equifax report. This has NOT been done. I have made countless calls to the XXXX XXXX XXXX, and Equifax with no results. XXXX XXXX has insisted they have done the electronic update twice, per Equifax instructions. Equifax has insisted they have not done this. The other loan companies and credit reporting agencies have cooperated fully, and quickly. The hard inquiries were removed by late XXXX of XXXX. This is the lone problem on any of my reports, and it needs to be resolved. I have decided the only way to expedite this action is to file a complaint with both parties.


Date_received: 04/06/2016
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: NJ
ZIP_code: 088XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I never received a copy of the actual contract from XXXX to prove my account opened on XXXX/XXXX/XXXX. Also I do not have proof the last payment made was on XXXX/XXXX/XXXX. I asked for full payment history and I needed to see a copy of the original contract. XXXX is re-aging my last payment date and reporting it to experian and equifax erroneously. FCRA rights ignored and Fair Billing rights ignored. in the letter they admit incorrect reporting by experian and they should delete the account. Equifax also has the wrong date opened, they need to produce the full payment history and prove they actually did an investigation. I have disputed this for over 120 days without a proper investigation.


Date_received: 05/07/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Company: Apothaker & Associates, PC
State: PA
ZIP_code: 191XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
this is an addition to a complaint I filed with you few days ago. Apathaker XXXX ( handling judgements against me ) has offered a written in stone proposal that I pay $ XXXX/mo for 24 months. I am a XXXXyo XXXX veteran on a fixed income and can not possibly meet this arrangement. I have an agreement to satisfy another judgement with the same attorney. I have been paying $ XXXX/mo. I recently learned that in spite of my arrangement this attorney plans to garnish my bank account. How can I honor the agreement if they plan to take my money????


Date_received: 05/19/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: Capital One
State: NY
ZIP_code: 131XX
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:
On XX/XX/XXXX I recieved a letter from capitol one concerning a application for a credit card. This application was NOT submitted by me. I called capitol one and talked with XXXX on XXXX/XXXX/2016 and informed her I did not apply for credit.XX/XX/2016 recieved letter confirming that application was fraudulent.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: NY
Subissue: 109XX
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:
On XXXX/XXXX/16 at XXXX I called and spoke with a dispute rep in which she admitted that they incorrectly filed the claim as problem with quality instead of the correct claim, failure to honor return policy. They made a mistake in handling this claim and now want me to remedy myself. This call has been recorded and I can provide it as evidence.


Date_received: 06/10/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The Chase investment has incurred a fee every year for last 2 years and I was told that this fee is for keeping the account open every year in spite of the fact that my Chase account holds Chase mutual funds so it seems that Chase Bank is double-dipping where it is earning fees from my funds and charging me a separate fee to hold the account open. They claim it 's okay for them to assess fees in this manner.


