# complaints

Date_received: 12/02/2015
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company_public_response: because instead of suing me
ZIP_code: LLC"
Submitted_via: MI
Date_sent_to_company: 486XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 12/02/2015
Consumer_narrative:
I received a call from XXXX XXXX XXXX XXXX, for an unpaid payday loan. He told me that I had been contacted several times for the unpaid debt, e-mail, and mail. I have received no e-mail, or mail concerning the debt. He told me that the parent company is going to press charges, he had my social security number. He also said that he would be contacting my places of work, and most likely will have to pay the court restitution of over five grand. I might even be put in jail. He would not give me a copy of the so called " affidavit ''. He told me that I would have to get a criminal attorney

Company:
 the "" company '' is going to press charges for fraud and theft. He also yelled at me for "" crying '' /being emotional when he first called me. He called me 3 times in the past month. He called from a New York number : XXXX. His name is XXXX. He also said that he would be investigating me further

State:
 and contacting my employers as well., Company believes it acted appropriately as authorized by contract or law,GVA Holdings


Date_received: 01/05/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Complaint_ID: 12/02/2015
Consumer_narrative:
I received a letter by mail on XXXX XXXX 2015, stating that I owed Discover XXXX. I do n't know why it went into collections, since I was making payments to Discover. After I read the letter saying that my payments were to be XXXX dollars a month I concurred. I started making payments immediately. I paid XXXX dollars in XXXX, XXXX in XXXX, XXXX in XXXX, XXXX in XXXX and XXXX in XXXX. Then I get a call from XXXX stating that my bank account had insufficient funds, which is not true I replied. They said that they spoke with the banks representitive and when I asked them if they have a confirmation number from that bank they said yes and read a false confirmation number because the number was from my receipt of payment that I had made to them. We hung up and I called my bank and asked them if they got a call from XXXX and they said that there was no record of them in the system for calling. I told the bank what the law firm said and they said that I do have sufficient funds for the payments I made, but that there is no record of a charge on my account. When I tried calling the law firm back they did n't pick up the phone and I did call several times that day. I then filed a complaint with the FTC. Then i received XXXX letters from XXXX stating to pay the full balance of XXXX. So then I thougt oh they took out at least XXXX from my account. But when i checked they did not. So I went to the website " XXXX '' to make a payment

Company_public_response:
 but the website gave me a different amount XXXX I need help. I want to pay my debts but this law firm is making it very difficult as they are lying to me. I am a very honest person and respect the law.


Complaint_ID: Yes
Date_received:
I explained to them that I have never gotten anything in the mail and I asked them to send me information so I could research the validity of this claim. They refused to send me information and that I could take care of it with a credit/debit card or if I did n't do that


Date_received: 12/30/2015
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: extortion call being done ( threat to sue
Company: garnish my Bank Accounts everything
State: an ABUSE ). Co calls done from XXXX XXXX XXXX caller identified as "" Supervisor ''
ZIP_code: said Co were "" Attorneys '' called XXXX XXXX ( did Browse
Complaint_ID: Yes
Consumer_narrative:
THIS IS A NEW REPEAT COMPLAIN AS TODAY HAPPENED AGAIN- Ongoing ABUSE - A probably " fake '' Co hiding number address Name falsely representing as "" attorneys '' continues to HARASS ME/our family calling threatening SUE if do not pay DOUBLE plus {$1000.00} more of an Old Credit Card Consumer Debt with Radio Shack ( currently Bankrupt ) debt from 2004 past 10 years delinquent


Product: Inc."
Subproduct: FL
Issue: 33764
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 01/05/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/05/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Product: Inc."
Subproduct: SC
Issue: 29205
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 12/30/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/30/2015,Credit reporting,,Incorrect information on credit report,Account terms,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 12/12/2015
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company_public_response: the company who held my loan
Company: Americredit ( later dissolved bought by GM Financial
ZIP_code: cajoled and I 'm pretty sure that this company had NO interest in the car I needed
Date_sent_to_company: but GM? They are threatening to SUE me! I have no money for them! I 'm XXXX
Company_response: I have XXXX kids
Timely_response: I 've been working to get a degree ( with Fed backed loans
Consumer_disputed: why ca n't anyone get a loan for a car with bad credit for a car
Consumer_narrative:
In XXXX of XXXX, I mistakenly traded my XXXX for a XXXX XXXX through XXXX XXXX in XXXX Illinois. I should have returned the vehicle and waited until they surrendered my keys to my car, but not knowing better, I stuck with the car feeling that the interest rate was already too high - and the payment, too. It was 17 % or so, but the real shoe dropped the following week : the dealership Fed exed to my work a change in the interest rate to 25 %. Since I could n't return the vehicle and was living on XXXX income and no child support as a single parent, I had to sign it. I was utterly alone because even those who were telling me to return the car were powerless to help me. I ended up paying for the car, and through a series of personal misfortunes, lost that job and the car ended up failing. Turns out the car was a time bomb : the engine was a design requiring the timing belt is changed before a certain mileage and it snapped breaking irreparably. The car was repossessed in XXXX. With a sticker price of {$13000.00} or so, the GM financial company claimed I still owed them just over {$6000.00}. They sold the car at auction for {$1000.00}, somehow I ended up owing them {$7500.00} even though they claimed that the amount was deducted from the loan! The truth was I 'd had to give them numerous late payments and deferments- with a late payment of {$120.00} a pop and numerous other " fees '' including rude and ruthless "" customer service '' people

State:
 probably because they 'd taken so many people for a ride that they were being sued and no longer raking in the cash ) made sure that I was ALWAYS on the hotbed for repossession. They threatened

Submitted_via:
 rather they wanted that money- that was their goal and they made it clear they 'd take it every time I spoke to them. I found out later that this state Illinois has no limits to it 's loan sharking- other than recent limits to payday and title loans. This state tolerates usury- I was essentially forced to sign a contract against my will since I 'd asked for my car back before this whole thing unfolded! I think that car companies should HAVE to use banks. I am SO TIRED of hearing about the woes of the car companies : our Federal government bought it out to save it

Complaint_ID:
 huh? People need cars! ) and I ca n't buy a home till this loan goes away. Our government is supposed to protect us from this kind of thing


Product: Inc."
Subproduct: GA
Issue: 30121
Consumer_narrative: N/A
Company_public_response: Referral
Company: 12/07/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Date_received:
12/02/2015,Credit reporting,,Credit monitoring or identity protection,Problem with fraud alerts,,Company chooses not to provide a public response,TransUnion Intermediate Holdings

Complaint_ID:
 huh? People need cars! ) and I ca n't buy a home till this loan goes away. Our government is supposed to protect us from this kind of thing


Product: XXXX email below : XXXX
Subproduct: XXXX & lt ; XXXXXXXXXXXX & gt ; Wed
Issue: XXXX XXXX
Subissue: 2015 at XXXX To : XXXX XXXX & lt ; XXXXXXXXXXXX & gt ; My manager is XXXX XXXX
Complaint_ID: Yes
Date_received:
However, the refinanced loan never got funded and we questions about it but the bank of American told us that his boss " XXXX XXXX '' will contact us and have the leave the phone number -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX XXXX


Product: the assignment ( s ) of deed of trust to an un-verified entity
Subproduct: Notice of Default
Subissue: first-hand knowledge of those facts. I am not in default to an unknown
Complaint_ID: Yes
Date_received:
The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically

Issue:
 Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal


Product: Inc."
Subproduct: AL
Issue: 36037
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 12/02/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
12/02/2015,Debt collection,Medical,False statements or representation,Attempted to collect wrong amount,,Company believes it acted appropriately as authorized by contract or law,Commonwealth Financial Systems


Date_received: 12/22/2015
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company: they sent me documentation for a new predatory loan ( adjustable-rate baloon )
State: not unlike the one I was lured into in the first place ( please see attached
Complaint_ID: Yes
Consumer_narrative:
I received a Wells Fargo mortgage modification package which is not in line with what I agreed to verbally with XXXX of Wells Fargo " home preservation specialists. '' I have already filed a complaint with CFPB ( complaint number XXXX ) because I did not feel comfortable with the vagueness of the Bank 's statements

Company_public_response:
 but the complaint was closed because they provided a convenient generic response and I had no way of knowing whether or not they would act in bad faith. Instead of providing me with a fixed-rate loan


Product: I can not pay them
Complaint_ID: Yes
Date_received:
12/02/2015,Student loan,Non-federal student loan,Dealing with my lender or servicer,Trouble with how payments are handled,Aside from being a predatory lending company with inflated interested rates. Navient has disabled my account and made it impossible to log back in. I 've called them multiple times trying to resolve this but they refuse to help. I have absolutely no access to my account

Subproduct:
 and nobody in customer service can help me. I 've also submitted complaints via email and social media. They also call me day and night


Product: Inc."
Subproduct: NM
Issue: 08701
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 12/02/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/02/2015,Credit reporting,,Incorrect information on credit report,Public record,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
On XXXX XXXX I received a letter dated XXXX XXXX from Discover card. They said I had 10 days from the date on the letter to respond. They had determined that despite the evidence that the company was acting in bad faith and had in fact not supplied me with anything usable for my vehicle, they would return the complete amount to them. I asked for a supervisor, who told me the same thing. She was in Delaware. I called back and asked to speak with a supervisor again. This time she was in XXXX XXXX XXXX. She confirmed the same thing. In fact, she gave me an example. She said that if I ordered a couch, got it home and did n't like it, I 'd have to pay for the return costs. I explained that was not the case here. I was shipped a defective 'package ' that the seller wanted me to pay to return, both shipping and 20 % restocking fee. She reaffirmed that was correct. I gave her the example that I ordered a television set and what showed up was half of a toaster. She reaffirmed that I would still be liable for expenses because that 's what the purchase agreement was. I tried to explain that returning defective merchandise is not even close to " changing my mind about the color ''


Subissue: and the account number the first XXXX numbers were cut off. Also
Consumer_narrative: on XXXX/XXXX/2015 I discontinued my auto pay. Today
Complaint_ID: Yes
Date_received:
12/23/2015,Credit card,,Credit card protection / Debt protection,,I purchased a TV from XXXX. Placed payments ( XXXX ) on auto pay. When XXXX requested payment from bank

Product:
 the bank rejected payments. I received a letter from XXXXSnychrony stating that since bank has not honored payments they have suspended my card

Subproduct:
 send my info to credit and collection bureau. I have made all payment. Called XXXX several times with no satisfaction. I also went to my bank

Issue:
 they found that XXXX has inputted the incorrect account routing number and incorrect bank account number. The routing number appears under miscellaneous information


Date_received: 12/12/2015
Product: Credit card
Issue: Credit card protection / Debt protection
Complaint_ID: Yes
Consumer_narrative:
I opened an card account wit Walmart in XXXX. I made my payments loyally until I lost my source of income in XXXX. When I learned I would be facing financial hardship I called Walmart Card services ( also know at the time as ge Capital ) and informed them of my circumstances and that I needed to activate my ( i.e enable ) the credit card protection program but was told that I was ineligible because I did n't have a job or by their logic a way to keep up my payments which is the reason I contacted them to being with. Thus I paid for a service I was never able to use. Somewhere along the was my account was sold or transferred to synchrony bank. So I attempted to call them after being harassed at work, at home and anywhere else I had access to a phone to resolve the debt set up a payment plan. I literally spent hours calling 'synchrony bank ' which is customer service for the card. Every single time I called I got the same automated response saying, " I 'm sorry we are not taking calls at this time. '' I called at least XXXX different phone numbers I had located for customer service and every number sent me back to that same message. I was only able to get through by contacting the fraud department ( after being on hold for over XXXX minutes ). I was then transferred to a line of synchrony bank that FINALLY PICKED UP. The man then proceeded to tell me that my account had been sold to a collection agency. He could not provide me the date this happened

Company_public_response:
 or even the amount I owed. I ended up utilizing my free credit report from XXXX to see what company was reporting debt on my credit profile and saw tat my Walmart/synchrony bank/ge capital card ad been sold to XXXX. So I disputed the information reported on my account for the reason tat my original payment/hardship plan was supposed to take over payments for my card but never did. Now I am strapped wit a debt that should have been taken care of by a hardship/payment plan and that was sold without my knowledge or consent to a company that refuses to compromise with me. I am trying to et my life on track and was accepted into rad school but part of my aid package was denied because of adverse credit history reported by these companies. If synchrony/ge bank


Complaint_ID: Yes
Date_received:
12/23/2015,Student loan,Non-federal student loan,Dealing with my lender or servicer,Don't agree with fees charged,I was affected by the XXXX XXXX crash and I have a lot of student debt the funny thing is when I signed up to go to school there I was told I would receive my XXXX That never happened

Product:
 they told me I did not need one as I had tha ability to benefit. Needless to say I have a lot of private loan debt


Complaint_ID: Yes
Date_received:
The loan number and interest rate remained unchanged but a new credit check on XX/XX/XXXX was performed. On the same day


Complaint_ID: Yes
Date_received:
Closing costs were {$15000.00} on LE and {$10000.00} on CD. Cash needed for closing was {$4500.00} LE ; {$23000.00} on CD. On LE


Complaint_ID: Yes
Date_received:
I was uncomfortable going forward and stated these concerns. I proved CB the copies of the LE and CD and provided her information from the CFPB website as well as explained to her the applicable sections that her company was violating 1026.19 ( e ) and 1026.37. I reviewed with her what the CFPB states can change from the LE and what is actually paid at closing. I reviewed with her that there is zero tolerance to change transfer tax


Date_received: XXXX XXXX gave this to her supervisor
Complaint_ID: Yes
Product:
 XXXX XXXX ( phone number ( XXXX ) XXXX ). XXXX XXXX stated to us that is looked as if what they did was not right


Date_received: On XX/XX/XXXX
Complaint_ID: Yes
Product:
 XXXX XXXX from the "" Office of the President '' of CB called to find out what happened. She stated that she would call us back on XX/XX/XXXX or XX/XX/XXXX with a resolution ; she did not. On XX/XX/XXXX

Subproduct:
 she said CB would give us {$250.00} CB violated the Dodd-Frank Act since they did not clearly disclose fees in an upfront


Date_received: 12/23/2015,Consumer Loan,Installment loan,Problems when you are unable to pay,,Hi
Product: Wow
Issue: in a difficult job not making a living wage
Subissue: and had just borrowed money from family to buy the car. I really needed the money
Complaint_ID: Yes
Subproduct:
 where do I start? I took out an installment loan with a company called Speedy Cash to pay for registration for a new car after my old one was totaled. I was in a bad way


Complaint_ID: Yes
Date_received:
I now know that I never should have signed that document. I understand that I have the right to revoke authorization

Product:
 but their agreement stipulates that if I revoke authorization they 'll attempt to withdraw the full amount due for the loan from by bank account via preauthorized draft. I would like to revoke ACH authorization and pay monthly on agreeable terms


Date_received: 12/12/2015
Product: Prepaid card
Subproduct: General purpose card
Issue: Managing, opening, or closing account
Consumer_narrative: I applied and received a secured credit card from " HSBC BANK ''
Company_public_response: around XXXX
Company: XXXX. After Closing account by phone notification
ZIP_code: HSBC BANK continued to accrue interest and penalties against my credit balance. Years later
Submitted_via: I discovered on my credit report an outstanding balance reported by HSBC BANK
Complaint_ID: Yes
State:
 and offsetting credit balance by sufficient security funds held by HSBC BANK I deposited for the credit card


Date_received: 12/02/2015
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: a direct contradiction to my bill
Company: their website
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX keeps trying to charge me for a month of service after I canceled my service on XXXX XXXX 2015. I returned my rented modem in the store and was told that my account was settled up, my auto payment was cancelled and that I would be billed for approximately {$28.00} on or about the XXXX XXXX 2015. On XXXX XXXX 2015 I was charged for the entire amount of $ XXXXXXXXI called on or about the XXXX of XXXX and asked why I was charged the full amount. XXXX informed me that this was an error and that I would be receiving a check for {$42.00} in the mail. On XXXX XXXX 2015 I was charged an additional {$71.00}. A few days later when I called XXXX I spoke to a few different representatives. First representative told me it was for my XXXX services since XXXX always bills a month in advance. Their website confirms this XXXX. The second representative told me that my services were still online because I did not turn in my modem, I informed them that I had and they said " oh yeah it looks like you have. '' I asked to speak with the next level manager who then told me at first that it was for my XXXX services. I informed them that I had canceled on the XXXX of XXXX and they then switched their story to "" right you need to pay for the entire month of XXXX '' when I asked why it was n't Pro-rated they told me you pay after the services are consumed not before


Product: finally i started getting back on track
Issue: their offices are closed early evening
Complaint_ID: Yes
Date_received:
12/23/2015,Consumer Loan,Vehicle lease,Problems when you are unable to pay,,I resently had to pay some unnexpe ted legal fees over {$6000.00} i had to miss two payments with i made a small payment one week witch i started tp make small payments so i would not get behind

Subproduct:
 my accountant tried to make a payment off {$100.00} they told her that the could not accept a payment of that low amout and that i would personally had to call them

Subissue:
 i got up extra early to contact them oddly enough a tow truck was in front of my house talking my car at XXXX XXXX taking my car

Consumer_narrative:
 without any notice from them regarding that they would take those acctions. witch was also the day i get paid and was going to make a payment to stay current. it only reason my vehicle was repossessed was because i {$86.00} dollars. Witch they purpoIely they not accepted the XXXX dollar payment that would have taken care of that. And when i called them they told me that nothing could be done unless i paid the late fees


Company_public_response: whenever I have contacted a company
Company: outside of XXXX XXXX
Complaint_ID: Yes
Date_received:
12/13/2015,Bank account or service,Other bank product/service,Using a debit or ATM card,,In XXXX I signed up for a trial with the company XXXX XXXX using my Paypal account. As these things usually go

Product:
 I forgot to cancel the service prior to it converting into a recurrent billing subscription. After noticing the charges a month or two later I contacted the company and informed them that I had no interest in continuing the subscription. Instead they continued to charge my card. I contacted them again and when that did not work I closed my bank account and opened a new account to prevent any further unscrupulous charges. Last night

Subproduct:
 I used Paypal to purchase a XXXX gift so I entered my new debit card information into my Paypal account. This evening

Issue:
 I received a notification from Paypal that the debit card from my new bank account incurred a XXXX charge from XXXX XXXX. I immediately called Paypal and after suffering through a myriad of tedious prompts and useless information I was finally able to figure out how to get someone on the phone. I explained the situation to the Paypal rep I spoke to and made it clear that I wanted the charges reversed. He refused because it was a recurring payment. I attempted to explain to him that I NEVER authorized XXXX to make charges to my new debit card. Furthermore

Subissue:
 I did not authorize Paypal to use my new card information as a back-up form of payment so the charge should have never shifted to that card. There is a box you can check to designate any new payment information added to your Paypal account as a back-up form of payment. I purposely did not check the box. Apparently

Consumer_narrative:
 that gave them the right to "" decide '' for me? I have used Paypal for a plethora of purchases as well as a few recurring payment situations. However

State:
 requesting a cancellation payments have always stopped so I have never needed to ever call Paypal with a problem. Needless to say


Product: however
Complaint_ID: Yes
Date_received:
Please be advised that I previously requested this information from Scottrade Bank and Scottrade XXXX but was not supplied with an original account agreement. I signed up for the accounts in XXXX


Complaint_ID: Yes
Date_received:
The contracts Scottrade Bank and Scottrade XXXX use have "" tracking numbers '' in the bottom left margin of the page that indicate the year and date. Therefore


Product: 2013
Complaint_ID: Yes
Date_received:
I would like Scottrade to remove the fraudulent information submitted to the IRS file. Everything on or after XXXX XXXX


Product: not backwards. Furthermore
Issue: after being promised that I would
Subissue: whom I requested to speak to. Rushmore service representatives have been discourteous
Consumer_narrative: lacked knowledge
Complaint_ID: Yes
Date_received:
In addition to this, I was charged for force placed insurance without being notified of these costs. Rushmore is prohibited from charging me for force-placed insurance coverage unless they had a reasonable basis to believe the I had not maintained hazard insurance and have provided me with a notice at least 45 days before charging the borrower for force-placed insurance coverage, and a second reminder notice at least 30 days after the first notice and 15 days before charging for force-placed coverage. I was only informed of forced placed insurance verbally, pursuant to my call to them XX/XX/XXXX. This was after having force placed insurance for over 1 year and 3 months. When I spoke to a manager, " XXXX '' I was told that we should only go forward

Subproduct:
 she has yet to email me as she promised regarding my receiving an annual escrow account disclosure statement. I was never contacted by her supervisor "" XXXX ''


Subproduct: within 30 to 45 days. Rushmore never did this. Further
Issue: within a similar amount of time
Complaint_ID: Yes
Date_received:
When I made multiple requests for information regarding my escrow and principle balance and had several complaints regarding them not being calculated correctly the service representatives did not provide me with steps I could take to address my concerns/grievances. Rushmore must designate a specific address for borrowers to use and is required to acknowledge the request or notice of error within five days. Rushmore failed to do what the rule requires. Rushmore is also required to correct the error asserted by the borrower and provide the borrower written notification of the correction

Product:
 or to conduct an investigation and provide the borrower written notification that no error occurred

Subissue:
 servicers generally are required to acknowledge the borrower written requests for information and either provide the information or explain why the information is not available. Once again


Product: investors
Subproduct: and courts ; facilitating oversight of
Issue: and compliance by
Complaint_ID: Yes
Date_received:
It is obvious that Rushmore does not have policies and procedures which protect the rights of borrowers. Rushmore is required to establish policies and procedures reasonably designed to achieve objectives specified by the government. Examples of the specified objectives include accessing and providing accurate and timely information to borrowers

Subissue:
 service providers ; facilitating transfer of information during servicing transfers ; and informing borrowers of the availability of written error resolution and information request procedures. In addition


Date_received: 12/23/2015
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Problems caused by my funds being low
Complaint_ID: Yes
Consumer_narrative:
My wife and I have XXXX IRAs with Morgan Stanley. Since our balances were below a certain amount ( XXXX have a little less that {$2900.00}, but over {$2500.00} ) they have been selling off shares every year to pay a " past due acct fee '' totaling {$50.00} to {$150.00} per year ( the statements and wording is hard to understand ) Last year was the first time I realized what they were doing. So of course the accounts have never gained much in value


Product: TX. The loan sad for {$1200.00}. After securing the loan
Issue: when in fact
Consumer_narrative: stating that I needed to retain legal representation
Company: yet
Complaint_ID: Yes
Date_received:
12/13/2015,Payday loan,Payday loan,Can't contact lender,Can't contact lender,I did n't see the proper selection for my complaint so I chose ca n't contact lender. I am writing because I secured a loan with a company called the Cash Store in XXXX

Subproduct:
 my bank account was closed and the lenders were unable to get the loan amount or the interest from me. About 3 weeks later I got a call from an attorney saying that they were filing criminal charges against me for fraud. Saying that I passed a blank check in the state

Subissue:
 I never wrote a check. I only gave my debit card and they checked to make sure the account was active. I never got anything in the mail from this company

Company_public_response:
 just a call from an attorney from a XXXX number stating that I needed to get an attorney or one would be appointed to me. They also stated that a warrant would be issued XXXX my arrest and that fraud would be placed on my record. The actions this company is taking in the state of XXXX is illegal. It is illegal for someone to be arrested for a payday loan in the state of XXXX


Subproduct: Integrity Asset Partners, Ltd.
Issue: RI
Subissue: 028XX
Company_public_response: Consent provided
Company: Web
State: 12/17/2015
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Product:
Company believes complaint caused principally by actions of third party outside the control or direction of the company


Date_received: 01/05/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
I am a joint owner on my parents account, they both recently died, XXXX and XXXX. I personally went to the Bank of America in XXXX, Texas XXXX ( XXXX XXXX XXXX # XXXX ) to ask what the status of the account was since my parents passed away. I was told since my name was on the account I could do whatever I wanted with the account and they would remove my parents names. I mailed copies of both death certificates to BOA as requested and then BOA sent me a new signature card to sign so only my name would be on the account, which they now have. In the meantime I was paying any bills that needed paying for my parents. During that XXXX month period I personally deposited {$1000.00} of my own money and my brother deposited {$5000.00} to the account to make sure there was money to cover any medical bills. I was told I was in control of this account or I would have handled the final expenses and deposits differently. Two months later on XXXX/XXXX/XXXX I see that there is a hold on the account of {$1200.00} and {$2200.00} - I called on XXXX/XXXX/XXXX and was told they were holding 50 % of the account for my Mom and 25 % for my date to cover any interest paid by the bank ( total interest paid in XXXX was {$0.00} ) so this makes no since to hold {$3500.00} for interest paid by the bank. I was also told on this call that the account was not set up with Right of Survivorship which up to this point I had not been told in person or on the phone. Also they have now tied my hands to pay any unforeseen bills that come in. All of my parents other assets were controlled by their trust but because we had the understanding that this account was under my control there was no need to include this account in the trust or probate their will. We were utilizing this account for end of life expenses. BOA is telling me the only option I have to get this money released is to Probate their will just for this checking account. BOA for two months gave me incorrect information in the Bank and on the phone because I also called and verified if I needed to do anything with this account or did I have control of it and was told YES. The bank should allow any surviving accountholder to continue to use the account to transact business after the death of another accountholder. We have an executed will and an executed trust that defines all asset distributions for my parents estate that should be sufficient to release these funds. I took all the right steps to notify BOA and now am being penalized because of BOA 's misinformation. It 's obvious if they sent me an new signature card ( in the mail ) they acknowledged I was entitled to control the account which confirms what I was told by BOA in person in the Bank in XXXX and on the phone. I have a copy of the original signature card from " NationsBank '' from XXXX ( 20 years ago ) where the Accounts Names and Signature box for me to sign were prefilled by the bank. We had no idea we needed to mark any other boxes than what was prefilled by NationsBank ( now BOA ) 20 years ago. Current BOA forms make you initial that your are denying the Right of Survivorship. The fact that the account reads Name


Date_received: 12/23/2015,Consumer Loan,Vehicle loan,Managing the loan or lease,,XXXX
Complaint_ID: Yes
Product:
 the car is financed by gmac I submitted the paperwork by my insurance adjuster the estimate and the check to be signed by gmac to get the car fixed it has been over three months with more conditions to get the car fixed


Date_received: 12/23/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: I requested to have additional information sent
Complaint_ID: Yes
Consumer_narrative:
I was notified in XXXX that the mortgage payment ( {$500.00} ) I paid, XXXX XXXX for the XXXX XXXX due date had not been credited to my loan and was being " held ''. Apparently

Company_public_response:
 my monthly payment was increased ( due a requested review of my escrow ) to account for potential shortage. I did not receive information explaining the increase from {$490.00} to {$590.00} before paying the historical amount. Once notified

State:
 inquired into whether a credit bureau mark had taken place and requested that the {$500.00} being held be credited to the account as appropriate. I then set up the additional {$100.00} payment to be dispersed ( XXXX/XXXX/2015 ) as well as paying the XXXX XXXX payment due ( {$600.00} )


Date_received: Since completing
Product: I have received XXXX calls
Subproduct: that I now view as harassing in nature
Complaint_ID: Yes
Issue:
 in which Suntrust Mortgage is claiming I owe an additional {$490.00} ( on top of most likely late fees charged in error ). I do not agree with these tactics

Subissue:
 as I 've not failed to meet the standards outlined within my contract. I pay my mortgage every month


Date_received: 12/02/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
State: "" I had never missed any payments and to get a modification
ZIP_code: I would have to be late at least twice and this was the only way to get this done. '' Also
Date_sent_to_company: not the mortgage
Company_response: not the taxes and not my HO insurance. After XXXX did this
Timely_response: I began to get late notices from city hall stating my taxes were late
Consumer_narrative:
I am the victim of the XXXX rogue mortgage issue. I received a letter saying I should respond with my mortgage because XXXX was being shut down and a servicer will be taking over and I should, as promised, request my refinance before the shutdown. I did make the request for my refinance I was promised at my closing with XXXX. I had never missed a payment and my fico score was XXXX. This is when my troubles began, XXXX XXXX XXXX took over my loan and when I requested my refinance, XXXX 's XXXX XXXX in their mortgage dept erroneously submitted adverse info to my credit history ( 3 times ) and when she got caught she said it will take 60 days to correct my credit, I had my confirmation receipts for my online payments. Then XXXX XXXX and XXXX took me " off line '' so I could no longer make payment on my mortgage

Company_public_response:
 because I told them I did not trust them and XXXX was just as bad as XXXX and I had another bank that was willing to refinance me at 3.3 %. XXXX then damaged my credit totally and kept me from refinancing elsewhere and began to threaten foreclosure. I had been in my home since XXXX XXXX

Company:
 never missed a payment and the victim of the rogue mortgage and now the victim of XXXX XXXX and XXXX. XXXX told financial services that she had to damage my credit because

Submitted_via:
 she said she prohibited me from being able to pay my mortgage because she had to put me in the modification pool and this was the beginning of the process. '' This was all lies. I never missed a payment. XXXX prohibited me from paying. I even paid my taxes and then XXXX sent me a check in the same amount of the property taxes I had paid and told my city finance dept they were taking over my taxes and escrowing my taxes. I am an insurance agent and I wrote my homeowner 's policy and XXXX sent me back the payment I made for the full year 's premium and told my insurance company that XXXX was taking over my HO ins. I had never made any late payment on anything

Consumer_disputed:
 and notices from my HO ins threatening to cancel my Home owner 's insurance. I then rec 'd notice from XXXX I was being put on a "" forbearance '' and I did not know what this was. I then stop receiving all communications from XXXX and nothing else from XXXX. My credit was severely damaged so I could n't leave this mess and get the refinance I was about to get with a great int. rate because of what XXXX XXXX

Complaint_ID:
 XXXX did to my credit worthiness. I have never heard of a modification and no one would tell me about it at the XXXX. Then after a "" few '' years of harassment and threats of "" taking my home '' and people ringing my door bell saying they were at a "" silent auction '' and wanted to come in to see my property


Date_received: 01/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Complaint_ID: Yes
Consumer_narrative:
equifax was correctly reporting an account-american honda fiinance from XX/XX/XXXX to around XX/XX/XXXX on their report @ XXXX this account was reported correctly as included in chapter XXXX bankruptcy, but around XX/XX/XXXX, they removed the included in bankruptcy and they started showing current late or missed payments, when i disputed the item i included a copy of the bankruptcy listing american honda finance but the result of their investgation claims that XXXX claims that they are reporting the item correctly and they informed me that it does not make any difference what i provided to them as they do not make an changes based on any documents that i provide but only in what the company reports, i have spoken to XXXX XXXX and they indicated that they are reporting correctly to all credit reporting agencies and that is " included in bankruptcy '' and they do not know why is equifax reporting something different


Date_received: 01/05/2016
Product: Credit card
Issue: Advertising and marketing
Company: and still believe
ZIP_code: which I did
Complaint_ID: Yes
Consumer_narrative:
I signed up for a Chase Southwest Rapid Rewards XXXX card with the assumption that after paying a {$99.00} annual fee and spending {$3000.00} in the first 3 months I would receive a signup bonus of XXXX southwest miles. After 3 months I was sent a postcard stating I wasnt eligible because I had already recieved that bonus. Indeed, I received a bonus, however it was for the Chase Southwest Rapid Rewards PLUS. In the terms and conditions on the application page it says, " This product is not available to either ( i ) current cardmembers of this credit card

Company_public_response:
 or ( ii ) previous cardmembers of this credit card who received a new cardmember bonus for this credit card within the last 24 months. '' Since I previously had the PLUS card I believed

State:
 that "" this card '' when referring to the XXXX card would NOT include the PLUS card. All my attempts to explain this to customer service were futile. They advised me to fax a complaint to the XXXX


Date_received: 01/05/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Settlement process and costs
Company: etc. They mailed the latest modification agreement on XXXX XXXX
State: XXXX. It stated to return no later than XXXX XXXX
ZIP_code: XXXX. We received the package in the mail on XXXX XXXX
Submitted_via: XXXX
Date_sent_to_company: the day after it is due. As mentioned
Consumer_disputed: XXXX at XXXX. Despite kind representatives ( most of them
Complaint_ID: not all )
Consumer_narrative:
We opened an equity line ( originally XXXX -- later sold to Bank of America ) on our second home in XXXX. We paid via automatic payments before the due date each month for over 10 years. In XXXX XXXX, we received a notice indicating the payment was late. We made payment immediately and then learned that BOA cancelled our automatic payment without letting us know. We then learned the loan matured and BOA offered a modification. No payments have ever been late except the XXXX payment in which BOA cancelled the auto payment. That payment was 24 or 25 days late. Our credit score was XXXX in XXXX XXXX. BOA has reported false nonpayment information the entire year of XXXX and we are unable to obtain favorable interest rates to refinance another loan due to our credit score decreasing over XXXX points due to BOA 's reporting nonpayment. We have paid a total of {$100000.00} during XXXX BEFORE each monthly due date which included several principal only payments and all other payments as agreed to BOA modification and as per instruction from " case manager '' XXXX XXXX at BOA. NO PAYMENTS WERE LATE. BOA had us sign a modification early in the year. We sent it back and thought everything was done. We made the agreed-upon monthly modification payments of {$810.00}. In XXXX

Company_public_response:
 we learned our credit score had tanked. We obtained credit report and saw BOA was reporting incorrect information. We contacted BOA and they said they made a "" wording '' mistake in the modification agreement and would need to reissue it. BOA reissued it XXXX modification agreements and they have XXXX had incorrect amounts included in the documents. The latest modification agreement numbers owing were overstated by approximately {$14000.00}. I have spent hours/days on the phone with BOA representatives with no success in obtaining correct numbers or even how they determined the "" capitalization '' costs

Company_response:
 the principal balance plus capitalization costs in the modification agreement is overstated by {$13000.00}. I have been unsuccessful in getting BOA to provide details for the incorrect principal balance they say we owe. My credit score is ruined despite the fact that we have made all payments as we were told by BOA. BOA representatives tell me a manager will call me at a certain time the next day and no one calls. This happens repeatedly. I am unable to reach my case manager. On XXXX BOA called me. I was on the phone over 2 hours. OVER 2 HOURS. This was not a scheduled call and I had to completely rearrange my day due to this unexpected call. Even after over 2 hours

Timely_response:
 NO RESOLVE and another case of being told someone would call me and they have not as of today XXXX XXXX


Date_received: 01/05/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Complaint_ID: No
Consumer_narrative:
I have a PayPal Credit card that I did n't " knowingly '' apply for. I thought I was making a donation to XXXX and paying for it with a credit card that I use for everything. Later I received a billing statement from PayPal. I called to get an understanding about the bill and "" credit card '' and learned that I had actually opened the account. This struck me as odd and deceptive. When reading an article on the internet today


Date_received: 01/06/2016
Product: Credit card
Issue: Balance transfer fee
Company_public_response: including applicable fees
State: it does not clearly state what the fee is
ZIP_code: how it is assets or even if for sure it will be billed. It refers you to your terms and conditions
Company_response: if I have to. I just want this company to do better
Complaint_ID: No
Consumer_narrative:
I was sent a letter from Homestreet bank that I was pre-approved for a credit card and that I could apply online. When filling out the online application I saw the offer for a balance transfer and completed the steps. When filling out the creditor information and the amount, there was no prompt that stated there would be fee or a recalculation of my total that included a fee. Today I received my first bill and saw that I had been billed {$130.00} for the XXXX balance transfers that I had completed. Right away I logged onto my online account to review the terms of the balance transfer, to my surprise the only option was to requested a mailed copy of them and wait 5-7 days. I then attempted to do another balance transfer to see if I would be informed of the fee at this point, the website says " Balance Transfers are subject to the terms and conditions

Company:
 as previously disclosed in your Cardmember Agreement and/or promotional offer ( if applicable ) made to you. '' This is very deceptive

Submitted_via:
 a document this company assumes customers will just keep on hand. I called the company and was told that they can not waive the fee because it is valid

Date_sent_to_company:
 that if I had called a spoke with a rep to do the balance transfer then I would have been told over the phone of the fee. Or if I pay off the balance transfer in 30 days then they would waive it. I will pay the fee


Date_received: 12/18/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: we 'll look into it ''
Company: and this foolishness continue. Seterus has legal obligations to me
State: as the servicer of my loan
ZIP_code: and I ca n't imagine this is how they are upheld. Again
Submitted_via: I am not the only person saying something about this company
Date_sent_to_company: so why does nobody take action? Maybe if it was your home
Company_response: your life
Timely_response: it would be different. It seems as though nobody cares about the homeowners
Consumer_disputed: we have no voice. We are being pushed and bullied
Consumer_narrative:
As of XXXX XXXX, 2015, my mortgage was transferred from XXXX over to Seterus. XX/XX/XXXX, I received my transfer letter from XXXX stating everything I needed to know and that I should expect a welcome letter from Seterus shortly. Today is XXXX XXXX, 2015, and I have yet to receive my welcome letter, which reading the FTC website they must send me by XX/XX/XXXX. I called Seterus this evening and got the runaround, now keep in mind that I am new to them and they already are treating me this way. I 've read a ridiculous amount of complaints about this loan servicing company, but now I 've actually experienced it. I recorded the entire phone call, so that you can hear exactly what the representative, XXXX, said and how she dodged questions I asked. She just kept putting me on hold. I informed her that I was recorded the conversation and then it got a little hostile. She put me on hold again, where after a few more minutes of holding a gentleman that referred to himself as XXXX XXXX came on the line and began yelling at me about recording the call before he swiftly hung up on me. Now, can you explain how this kind of business behavior is acceptable? I got no information about my new loan, no information on how to make a mortgage payment, no loan number, absolutely nothing aside from vagueness and rudeness. These people have a duty to me the homeowner and they are not doing what they are supposed to do. Merely XXXX Seterus and you will see this is a SEVERE problem that nothing is being done about. This is my life, the lives of my children, my home, and I can not fathom that this kind of behavior would be acceptable by any standards. I have contacted XXXX, as they are the holder of my loan, to inform them of the problem. A woman by the name of XXXX informed me that XXXX is, indeed aware of these practices by Seterus and no action has been taken. Once again, I have this phone call recorded with her admission XXXX has been apprised of this issue. There have been over XXXX complaints to the XXXX, yet this company is still somehow allowed to continue their shady practices and downright fraudulent activity. The way they treated me was like my toddler putting his hands over his ears because he does n't want to listen, Seterus does not want to listen to legitimate problems. I 'm contacted absolutely every entity I possibly can to make everyone aware of this situation and compiling a journal of everything, emails, call logs, recordings, complaints filed, everything, and looking into contacting an attorney. Somebody has to do something aside from tell me, " Oh

Complaint_ID:
 we turn to the organizations that regulate companies like this and are met a lack of empathy or care. I need help


Date_received: 12/18/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: I have mailed another check
Company: directly to them this time
Complaint_ID: Yes
Consumer_narrative:
Dear CFPB, I ask that you seriously you investigate this company. I had a mortgage with XXXX XXXX ( already had to file XXXX complaints that are still ongoing ). The mortgage was transferred to Freedom mortgage. The transfer has been a complete mess. After a long trial the previous company finally transferred everything to the new company including a check. The first time I spoke to the new company the person said it was taking them a while to process payments because they were bringing in a large number of mortgages from multiple companies. Per their own records it too almost 2 weeks from when the payment was " received '' ( an attachment will show their own records show it took this long ) for them to actually post it. I was told that this would be corrected and that they would process checks more quickly. Now

State:
 and it has been over 2 weeks since the check was mailed and they still have not posted it. I called in to inquire about their address and then asked why it was taking them so long to process checks that are mailed. The woman who answered ( I did not get her name

ZIP_code:
 although they can tell you who it was since the calls are recorded. ) insisted to me that all checks are posted in no more than 72 hours. When I pointed out that their own records showed it took them almost 2 weeks to post my check even after they claimed they received it ( which was 2 weeks after it was mailed. I know the Post office is slow


Product: Inc."
Subproduct: FL
Issue: 33324
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/06/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/06/2016,Credit reporting,,Incorrect information on credit report,Personal information,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 01/06/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Complaint_ID: Yes
Consumer_narrative:
XX/XX/2015 my XXXX store credit card was declined at a XXXX. It turned out that I had missed my XX/XX/2015 payment by accident because I never received my bill. Once I learned this I immediately paid my bill in full ( posted XX/XX/2015 ). When I went online to pay the bill, I saw a message that XXXX was " actively collecting a debt. '' ( Yes

Company_public_response:
 after only missing one payment. ) In XX/XX/XXXX ( after I had paid my debt in full ) I began receiving messages on my cell phone from "" Merchants Credit '' XXXX stating that they were "" trying to collect a debt. '' I 've received four such messages since then


Date_received: 01/06/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
Company_public_response: Chase emails of the request and acceptance of the transfers
Complaint_ID: Yes
Consumer_narrative:
My daughter requests her rent payment from me each month via Chase 's QuickPay application. We have been using this to transfer her money since XXXX. For the XXXX rent, she requested on XXXX XXXX, however as of today, XXXX XXXX the funds are still not available in her account. I verified that the funds were withdrawn from my non-Chase bank account on XXXX XXXX. I contacted Chase at the XXXX phone number found online. They told me that the transaction was accepted on XXXX XXXX after their cut off of XXXX Therefore the process would not start until the NEXT business day AFTER XXXX XXXX. Using this logic, the representative stated that XXXX XXXX was day XXXX, XXXX XXXX was day XXXX and today ( XXXX XXXX ) is only day XXXX. I was told the process " can take up to 5 business days '' to have the funds available if from a non-Chase bank account. Then I was told that funds "" could be '' available either Thursday or Friday ( XXXX XXXX or XXXX XXXX ). I was not pleased with this confusing answer as I have not had this type of "" hold '' treatment on the other funds we have transferred. I believe this in an excessive amount of time to withhold funds on a recurring transaction that can been seen each month since XXXX. I think it is also deceptive to arbitrarily apply the holding of funds and not have a definitive timeline of when they will be available. I confirmed that the funds were withdrawn from my non-Chase bank account on XXXX XXXX and asked where they were. The representative stated whey were "" in process ''. Once again the timeline is not consistent with my other transactions. Please review this matter with Chase. I want to ensure other college age customers do n't unnecessarily incur late fees ( for rent ) when Chase has chosen not to release funds that are valid and have cleared the sender 's account! I believe the monthly transfer details


Company_public_response: at which point I was told to "" pay what you can. '' In XX/XX/XXXX
Company: ASF called my wife who was never on the car
State: nor was she my spouse at the time of financing
Submitted_via: the Senior Account Manager
Date_sent_to_company: whom I had dealt with in the past. The woman who I spoke to told me she would inform XXXX
Timely_response: they said they could not reach me because I had not updated them on my new address
Complaint_ID: Yes
Date_received:
01/06/2016,Consumer Loan,Vehicle loan,Problems when you are unable to pay,,I financed a vehicle with Automotive Services Financing in XX/XX/XXXX. Every month before military payday

Product:
 I would receive phone calls reminding me that my payment was due regardless if my account was current or not. I maintained a positive account status with them until XX/XX/XXXX at which point ASF called me constantly threatening to come take the car if I did not give it up voluntarily. After letting ASF know that I would surrender the vehicle but would be unable to bring it to them ( the company is located in XXXX and I am stationed in XXXX ) they agreed to come get it. I told them the vehicle was at my brother 's address in XXXX in XX/XX/XXXX

Subproduct:
 after submitting a voluntary repossession form. The car was not in my possession at the time of retrieval and I was never notified that it was retrieved. After the phone calls stopped

Issue:
 I was led to believe that my balance with them was paid off from the sale of the car. In XX/XX/XXXX

Subissue:
 I received an email requesting I call ASF with no information about my account included. After calling

Consumer_narrative:
 I was told I still owed a balance of around {$5900.00} after the vehicle 's value had been applied to my account. I spoke briefly to a representative ( XXXX XXXX ) about making realistic payment arrangements

ZIP_code:
 stating they got her number using skiptrace. It was at this point they told me that I owed a balance of over {$13000.00}. I requested to speak to XXXX XXXX

Company_response:
 but he never reached out to me. The company did not communicate any balance information to me from XX/XX/XXXX to XX/XX/XXXX. After ASF called my wife


Date_received: Late XX/XX/XXXX
Product: I received a package
Subproduct: sent standard mail from ASF
Subissue: lacks a case number
Complaint_ID: Yes
Issue:
 stating that I was being served a warrant-in-debt for the balance I owed to them. What is notable about the paperwork is that it is all dated XXXX/XXXX/XXXX ( the case was not filed with the XXXX XXXX court until XXXX/XXXX/XXXX )

Consumer_narrative:
 was not presented in any official capacity and is missing signatures of court-appointed officials everywhere they are required. The warrant was not served by a person or certified mail. The attached affidavits were not signed by any court official and were improperly completed

Company_public_response:
 including incomplete notarization. ASF even went so far as to fill in a section marked COURT ORDER ONLY with what appears to be a sticker of a lawyer 's name and address. This section was not signed by a judge as the affidavit states it should

Company:
 leading me to believe that this lawyer was not appointed by the courts but rather ASF. I did not reach out to him. Another notable piece of paperwork is the Affidavit of Claim which was notarized by the same person who was the Affiant on the other documents


Product: including interest. The amount that was supposed to be financed
Complaint_ID: Yes
Date_received:
According to ASF 's payment history the account balance began at {$35000.00} - the total of all payments

Subproduct:
 according to the buyer 's order was {$25000.00}. I was led to believe that interest accrued daily and would not be added to the principal of the loan as it was. After being misled and bullied by ASF from the beginning and having my credit significantly damaged by being forced into taking repossession action


Product: Inc."
Subproduct: FL
Issue: 322XX
Subissue: Servicemember
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 01/06/2016
State: Closed with monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes complaint represents an opportunity for improvement to better serve consumers,Automotive Services Finance


Date_received: 01/06/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: very simply
Complaint_ID: Yes
Consumer_narrative:
Wells Fargo shut down both my checkings and savings accounts due to concerns over check fraud, but before doing so, reversed all deposited checks TWICE ( so I was short ~ {$4500.00} instead of being neutral ). I have now spent 7+ hours on the phone and in their branches, getting passed between customer service branches, all the while they insist that their math makes sense ( it does not ). Even worse, Wells Fargo has a monstrous arbitration agreement with crazy fees, so I am scared to contest this, even though it is obvious to anyone with a spreadsheet and half a brain that I am right. In my documents, I have highlighted the " extra '' reversal charges that


Complaint_ID: Yes
Date_received:
12/13/2015,Debt collection,Credit card,Cont'd attempts collect debt not owed,Debt was paid,I owed money on Citibank/Home Depot card and I settled to pay the Citibank N.A . XXXX -debt collection agency {$1100.00} to settle my account as paid and settled. However


Date_received: 12/18/2015
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
State: XXXX
Complaint_ID: Yes
Consumer_narrative:
I purchased and placed {$100.00} onto a " Reloadit '' card. In going to access my already established 'safe ' account

Company_public_response:
 the site states that it can not connect to the service at this time. ( www.reloadit.com ) I have been trying this since XXXX. I also tried to call the number listed and get nothing but 'dead air ' ... no ringing

Company:
 no anything. ( XXXX ) I am needing to transfer this cash to a pre-paid debt card to do as I need ... like buy xmas presents! ( and bills


Product: Inc."
Subproduct: WI
Issue: 53158
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 12/18/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/18/2015,Credit reporting,,Incorrect information on credit report,Account terms,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 01/06/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: and yet
Company: never picked the phone up to call me. And yes
ZIP_code: as I did twice and messages were taken and yet no one ever got back to me
Submitted_via: that a "" different drop down list comes up '' and they are sent to the banks fraud department
Date_sent_to_company: before
Complaint_ID: Yes
Consumer_narrative:
My parents bank with a well known bank that I will not name as fear of retribution. My name was on their account. My parents were scammed out of close to {$30000.00} dollars. The bank manager told me she tried to stop my parents and told my father to " call one of your children ''

State:
 they admit to "" some mistakes were made '' but that is not good enough for me. I would like to see that the banking industry do more to protect this vulnerable population. I would like to see that steps be put into place that when a family member calls to alert any bank that they suspect their family members are being scammed


Date_received: 12/13/2015
Product: Credit card
Issue: Late fee
Complaint_ID: Yes
Consumer_narrative:
complaint about my Macy 's store start rewards card : There is no way I can connect with a person to talk about my dispute on late fee. the statement lists a phone number for customer service but it kept taking me back to start menu, after the message : all our customer service rep are helping other customers ... .. ''. I called again with a toll free number and it does not give a customer service option. I went to their website and a chat screen popped up thinking I can not figure out how to purchase. The person on chat said you have to wait till next billing cycle to talk to someone. I can not tell who this " someone '' is. when I asked send me the link to chat option so I can call to discuss my billing issue for late payment by one day


Complaint_ID: Yes
Date_received:
12/18/2015,Bank account or service,Checking account,Problems caused by my funds being low,,When I signed up for my checking account with Chase


Date_received: After I signed up for my account
Subproduct: but if you do n't have the funds in your account
Issue: the bill payment will still go through
Complaint_ID: Yes
Product:
 I learned about "" insufficient funds '' fees and how those are different than "" overdraft fees ''. If you pay some of your monthly bills automatically


Date_received: Furthermore
Subproduct: Deceptive
Issue: or Abusive Act or Practice. There have been times where I have had a charge go through at XXXX
Subissue: incurred insufficient fund fees
Consumer_narrative: and then have a paycheck be deposited at XXXX. In the span of 3 minutes
Complaint_ID: Yes
Product:
 I honestly believe Chase 's practice of clearing pending charges at XXXX at night and then having any direct deposit come in shortly after XXXX is an Unfair


Product: PA XXXX School : XXXX University XXXX
Issue: XXXX 2015
Consumer_narrative: in my opinion
Complaint_ID: Yes
Date_received:
12/14/2015,Student loan,Non-federal student loan,Dealing with my lender or servicer,Trouble with how payments are handled,Re : American Educational Services ( AES ) XXXX XXXX XXXX XXXX XXXX

Subproduct:
 Texas I am the co-signer ( father ) of a student who took out XXXX XXXX educational loans from XXXX. Recently

Subissue:
 XXXX contracted with American Educational Services ( AES -- a XXXX. ) to service the loans. From the beginning AES has not


Product: which is in my opinion both outside the terms of the note and fraudulent
Complaint_ID: Yes
Date_received:
It is unknown and AES will not show how they are calculating allocation of extra funds to interest or to principal. AES seems to rationalize their practice


Date_received: There are additional issues regarding AES and their performance
Subproduct: through co-ordination
Complaint_ID: Yes
Product:
 conduct and business practices. Namely when formerly managed by XXXX it was the XXXX practice that both borrower and co-signer each received a monthly statement and coupon for payment of the next payment. These notes have a quarterly interest rate reset provision ; thus important to stay current on the due amt from changing interest rates. AES has irrationally refused to continue this prior practice that allowed borrower and co-signer to each insure


Date_received: 12/08/2015
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company_public_response: do they even have an IT Dept?. No attempt to correct this is made on their part
State: They still have to have your permission to sign electronically
Submitted_via: this is deception. The times I talked to any representatives
Complaint_ID: Yes
Consumer_narrative:
On line loan.. Every time I log into the website onto my dashboard, I would receive an email of adverse action stating that I applied for a loan on that date, the date i visited my dashboard, and that they were not able to refinance my loan, this has happened more than 3 times, at no time did I ask to refinance my loan, I did not give them permission to pull my credit report, this alone is a violation on their part, I still have the emails of adverse action in my computer, after checking for complaints with the XXXX I have found that I am not the only one who has experienced this. On top of this Avant holds all documentation, consumers are not emailed the documents concerning their loans ... interest is compounded DAILY ... There are deceptive and unethical acts practiced by this company. Every time I complain to the " customer representative '' about what happens when I visit my dashboard I get the response that it will be reported to their IT Department

Company:
 all one has to do is just log in to their dashboard and this will happen as soon as one logs out. This company signs your name electronically to do this

ZIP_code:
 this is yet another violation. This is done even when you need to change your payment date and they talk so fast so that you can not understand what is being said even when you ask them to repeat it they again will talk fast that it sounds like words are jumbled together


Date_received: 12/08/2015
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: I asked to speak to a manager. When I asked to speak to a manager
Company: I was told that the wait would be extensive. So
State: I asked "" what is an extensive wait time. '' The representative said it would be 10 to 15 minutes
Company_response: how much I owed
Complaint_ID: Yes
Consumer_narrative:
To whom it may concern, I am writing in regards to my mortgage loan being transferred to Seterus and was given less than 2 weeks noticed and now Seterus says they can not inform me of any information regarding my account. I received a letter from XXXX on XXXX XXXX telling me that my loan will be serviced by Seterus on XXXX XXXX. Today is XXXX XXXX and I called Seterus and was told that they could n't give me any information regarding my loan. They said that they have over a XXXX clients and that they were still working on my loan. When I attempted to ask a question, the representative said " not to speak over him and to let him talk. '' At that point

ZIP_code:
 so I told the representative that I would wait. The representatives put me on hold and came back on the phone and said

Submitted_via:
 the manager will not be able to give me any information about my loan so I do n't need to wait because I just have to wait for my welcome packed in the mail. Now these are my questions

Date_sent_to_company:
 how come the Seterus could n't give me any information about my account when I was told by XXXX that all my questions or concerns would be answered by Seterus since my loan was transferred over. How come the Rep was so rude and could n't get me a manager on the phone and tell me anything about my account


Product: if my loan is transferred to Seterus
Complaint_ID: Yes
Date_received:
The reason why this is important is because I am in the midst of selling my apt and have a potential selling date by XXXX XXXX and have an additional fee that I owe for the sell of the apt that will be paid at the time of the closing and I do n't want to see surprising fees from Seterus. I need to know what my payments are now so that there are no surprises at the time of the closing. As a consumer

Subproduct:
 Seterus should have all the information ready for me when I called and not give me the run around and then say a manager is not available and that they can not access my loan information. Right now this is frustrating as I need this information. What are my rights as a consumer in regards to getting this information without having to wait for a welcome packets from Seterus. My other question is


Date_received: 12/08/2015
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: it says
Company: [ TransUnion ]
State: Account information disputed by consumer
Complaint_ID: Yes
Consumer_narrative:
I have sent numerous letters to XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX, WI XXXX. Requesting VALIDATION LETTERS, showing my wet ink signature, that I have agreed to pay XXXX XXXX XXXX, XXXX for this alleged debt they say I owe them. They have failed to provide me with anything other than a copy of the agreement I had with the original creditor. They are reporting this alleged debt to TransUnion, showing it in " Collections "" and in the "" Remarks '' section


Date_received: My complaint is that XXXX XXXX XXXX
Complaint_ID: Yes
Product:
 XXXX has failed to provide any validation that I have requested in the numerous letters that I have sent them.So


Date_received: I have asked for the following:1 ) The original Credit Agreement that I have with XXXX XXXX XXXX
Complaint_ID: Yes
Product:
 XXXX XXXX with my wet ink signature on it. THEY HAVE FAILED TO PROVIDE2 ) Proof that the debt has not been "" wrote off '' to an insurance company and claimed as a "" business loss '' or redeemed through an insurance claim by the original creditor. THEY HAVE FAILED TO PROVIDE3 ) Proof that this debt was not sold to their agency for a lesser amount


Date_received: 12/08/2015
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company_public_response: and to "" next '' month 's interest. In XXXX cases
Complaint_ID: Yes
Consumer_narrative:
In an effort to rapidly repay the HELOC, I sent Capital One XXXX several XXXX dollars over and above the monthly interest payment. On XXXX occasions in the last 12 months, Cap One applied the payment to " this '' month 's interest

Company:
 they mistakenly credited my account with a couple dollars less interest and applied the rest to principle


Product: Inc."
Subproduct: IN
Issue: 46970
Consumer_narrative: N/A
Company_public_response: Phone
Company: 01/05/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/18/2015,Credit reporting,,Incorrect information on credit report,Public record,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 12/14/2015
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: again
Company: the collections agency to ask for the calls to stop. I called again on XXXX XXXX
Submitted_via: they again told me they would email the company
Complaint_ID: Yes
Consumer_narrative:
My Macy 's credit card was stolen on XXXX XXXX. Fraudulent charges were made on XXXX XXXX. I did not know my card was stolen until XXXX XXXX when Macy 's attempted to take an automatic payment from my bank account. I immediately called and reported the card stolen and asked for the paperwork for a fraud claim. I called back in the beginning of XXXX ( two weeks later ) to ask why I had not received the paperwork. Macy 's informed me that they did not cancel my card or list that it was stolen. I have received a statement each month since XXXX listing the fraudulent charges as being past due, including late penalty charges. In XXXX, I received a call from a collections agency. When I contacted Macy 's they informed me that their computer systems canceled my fraud claim some time in XXXX, but that they had re-opened it. The representative said that they would email the agency to cancel the calls. The I received another collections call on XXXX XXXX. When I called Macy 's they told me that the investigation had not been started, but that it would be " moved up '' in the list and would be resolved within 60 days. They also informed me that each month I was not paying the charges would be a negative hit to my credit score. They told me that they would email

State:
 to confirm that the case would be resolved by XXXX XXXX and to get an update on the case. The representative confirmed that the case would be resolved by XXXX XXXX

ZIP_code:
 but stated that no investigation had been started.. Today XXXX XXXX XXXX ) I received another call from a collections agency. When I spoke to the representative


Date_received: 12/14/2015
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: nothing was wrong. Later
ZIP_code: what fraud had occurred exactly? Only after becoming irate
Submitted_via: I was told that a {$1700.00} deposit was the issue. Last time I checked
Complaint_ID: I have been unable to access my money for almost a month
Consumer_narrative:
I made a deposit in my savings account at a Navy Federal Credit Union ATM. I went to withdraw some money from my account a few days later at the ATM and the transaction was denied. The receipt read, " do not honor. '' So

Company_public_response:
 I called the credit union to find out what was going on. I was told by customer service that after reviewing my account

State:
 I attempted to make a withdrawal again and the transaction was denied again. I called back to customer service a second time. I was told that my account was frozen because of fraud. I had to ask what felt like 10 times

Date_sent_to_company:
 I 'm free to deposit and withdraw MY money as I see fit. Since when did deposits become fraudelent??? The rep. tried to dismiss me by saying the individual who had done this to my account was off so

Company_response:
 nothing could be done. I escalated the situation to a manager who refused to give unique identifiable information about herself

Timely_response:
 like her name. She told me I needed to go to a branch to show identification. I told her I WILL NOT be doing that. She thought she could remedy the situation by rationing my own money to me and offering to XXXX XXXX me {$500.00}. I vehemently declined. I told her what she could do was remove whatever block is on my account so I can access MY funds the way I see fit because there is nothing fraudulent about a {$1700.00} deposit that was made at an NFCU branch ATM WITH a card AND pin # that I am confirming I completed! She refused. In another attempt to resolve this matter

Consumer_disputed:
 I called back to speak with someone from the board and all that information was denied. At this point


Complaint_ID: I have been unable to access my money for almost a month
Date_received:
12/08/2015,Bank account or service,Checking account,Problems caused by my funds being low,,I am being charge for XXXX overdraft transactions


Date_received: 12/14/2015
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: only the amount due each month. Even though my loan was approved
Complaint_ID: Yes
Consumer_narrative:
Regarding equity loan with bank of America that required balloon payment in XXXX 2015. I requested extension or modification of this loan in early XXXX to avoid any potential negative effect on my loan. Bank did not approve loan modification until XXXX. During the approval period, I continued to make all payments on time and in the amount due or more. Upon approval I was notified of a three month " trial '' period for some unknown reason before loan would be finalized. During this "" trial '' period I could only make payments in the amount due even though I offered to pay more

Company_public_response:
 even an amount to the total of the three month period to expedite the approval period. The bank would NOT allow such a payment plan


Date_received: 12/18/2015,Mortgage,VA mortgage,Application
Product: originator
Subproduct: mortgage broker"
Complaint_ID: Yes
Subissue:
I have a new issue with Wells Fargo Home Mortgage. In XXXX I had this loan discharged in bankruptcy. Because I am XXXX XXXX XXXX and protected by SCRA they could not come and foreclose on the home included in the bankruptcy. I am currently trying to get financed for a new home loan and when the underwriter pulled a Fraud Risk Score it showed XXXX separated dates in which Wells Fargo filed a Notice Of Default XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. I never received any NOD in the mail and I question the authenticity and legality of it. In XXXX we sold the home that was financed by Wells Fargo no one informed us that we could attempt to sell it after bankruptcy. When we filed bankruptcy we owed Wells XXXX the home sold for XXXX and we still had to close as a short sale because of all of the ridiculous fees Wells charged. It 's time that someone looked into this situation we have filed numerous disputes without action. How much destruction is XXXX company allowed to cause before action is taken. I will now not be allowed to get financed for a new home because of the Notices of default placed on my record ; this puts my family and future in even further distress. I called and asked Wells Fargo for letters stating that " the NOD was filed in error but we are continually put off. I am attaching the Fraud report and my bankruptcy paperwork as evidence. Thanks


Date_received: 12/14/2015
Product: Mortgage
Subproduct: FHA mortgage
Issue: Credit decision / Underwriting
Company: Guild Mortgage
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 12/14/2015
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I WAS CHARGED TWICE FOR AN APPRAISAL THAT WAS ONLY DONE ONCE. MY MORTGAGE COMPANY WAS AWARE FOR THE CHARGES AND I WAS TOLD I'D GET MY MONEY BACK. I HAVE YET TO RECEIVE MY REFUND FOR $XXXX WHICH WAS FOR THE SECOND APPRAISIL CHARGE. NO ONE ANSWERS MY EMAILS OR PHONE CALLS. I HAVE ALL CONVERSATIONS WITH MY MORTGAGE BROKER SAVED IN MY EMAIL WITH HIM ACKNOWLEDGING THE FACT THAT I AM ENTITLED TO A REFUND. GUILD MORTGAGE IS THE COMPANY AND XXXX IS THE BROKER


Date_received: 12/08/2015
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: they also assessed a "" cushion fee '' of a few hundred dollars
Company: which I was not allowed to pay in parts. Besides that
ZIP_code: when a law was passed so that FHA loans would pay far less Insurance Premium
Timely_response: since all these charges were just too much for me
Complaint_ID: Regions has taken over 50 days to refund me the escrow account balance
Consumer_narrative:
Regions mortgage changed by mortgage to over {$140.00} at the beginning of the year. This was supposed to be for a " cushion '' on the Escrow account. Additional to the monthly amount

State:
 they had been changing me over {$330.00} per month on Private Mortgage Insurance ( PMI ). Earlier this year

Submitted_via:
 I called Regions to get a "" the law is too recent and we have not established changes to procedures/PMI ''

Date_sent_to_company:
 while I was getting offers to reduce this from other mortgage brokers. I did not refinance because I did not have the money to do so

Company_response:
 thanks to the undue burden placed on me by Regions. These unnecessary extra charges of almost {$500.00} forced me to sell my house as it was just too much of an expense. Now I am forced to live in a rented apartment. Also

Consumer_disputed:
 I was late on payments and Regions assessed {$120.00} for late payments. It is incredible that anyone would think that charging that much would be conducive to catching up on payments. It seems Regions was eager for the loan to default. Perhaps they wanted to keep the property as it had appraised significantly. Furthermore


Complaint_ID: Yes
Date_received:
1 ) The information advertised on PNC 's website does not match the standards that have been applied to my application during underwriting. Given that I was " sold '' the loan with this information ( in that the information was an incentive to select PNC for its streamlined underwriting process )


Date_received: 2 ) Frankly
Subproduct: therefore
Issue: the standards by which the application should be judged. A month later
Complaint_ID: Yes
Product:
 my application is being subject to moving standards during underwriting. I received confirmation of my status and


Complaint_ID: Yes
Date_received:
3 ) I expressed concern about this to a supervisor and the supervisor sided with the underwriter. As such

Product:
 I can not believe that this shift in standards is a misunderstanding or an error made in good faith. When I raised the concern initially


Complaint_ID: Yes
Date_received:
Recently I received a letter from XXXX XXXX dated XXXX XXXX, 2015, which explains why she has failed to return my calls. In her XXXX XXXX letter XXXX XXXX incredibly absolves Bank of America from any part in my concerns not being resolved. Further, the letter disingenuously suggests I give her a call to " discuss this further. '' I have yet to see a sign that Bank of America is interested in more than simply stonewalling me

Product:
 and frustrating my lawful efforts to close my Father 's accounts. I am hoping CFPB can compel Bank of America to take my concerns seriously


Product: but
Subproduct: was informed to pay the amount of {$6100.00}
Complaint_ID: Yes
Date_received:
12/14/2015,Debt collection,Credit card,Disclosure verification of debt,Not given enough info to verify debt,I requested for a monthly statement from XXXX XXXX to present to verify amount Military Star Card is billing me. No statements were send

Issue:
 or the balance unpaid will be turned over to a collection agency.I have never used the Military Star Card since XXXX XXXX


Product: Servicemember"
Subproduct: Consent provided
Issue: Web
Subissue: 12/14/2015
Consumer_narrative: Closed with explanation
Company_public_response: Yes
Company: Yes
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,Army and Air Force Exchange Service,GU,969XX,Older American


Date_received: 12/09/2015
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Settlement process and costs
Complaint_ID: Yes
Consumer_narrative:
I am writing this letter on behalf of my inlaws. On XXXX XXXX, XXXX Wells Fargo Home Equity closed a {$26000.00} XXXX mortgage loan in the amount of {$50000.00} secured by their primary residence. Subsequently, on XXXX XXXX, XXXX Wells Fargo Home Equity closed a XXXX mortgage loan in the amount of {$26000.00}. After careful and thorough review of the loan documents provided it is glaringly evident that numerous state and federal regulations were violated in the origination and closing of these loans. To begin, 12 CFR 226.15 ( a ) ( 1 ) ( i ) of Regulation Z states ... " in a credit plan in which a security interest is or will be retained or acquired in a consumer 's principal dwelling


Date_received: Furthermore
Complaint_ID: Yes
Product:
 12 CFR 226.15 ( b ) of Regulation Z states "" In any transaction or occurrence subject to rescission


Complaint_ID: Yes
Date_received:
After careful review of the copies of documents for both transactions there is no evidence that either of them was provided with a copy of a Notice of Right to Cancel/Right of Rescission form


Product: no money shall be disbursed other than in escrow
Subproduct: no services shall be performed
Subissue: XXXX which is the same date as closing
Complaint_ID: Yes
Date_received:
12 CFR 226.15 ( c ) which speaks to the delay of creditor 's performance mandates that unless a consumer waives the right to rescind under paragraph ( e ) of this section

Issue:
 and no materials delivered until after the rescission period has expired and the creditor is reasonably satisfied that the consumer has not rescinded. In reviewing the document copies provided there is no evidence of a HUD Settlement Statement. The HUD Settlement Statement has a settlement date of XXXX XXXX


Date_received: Additionally
Subproduct: the absence of accurate settlement forms violates 24 CFR 3500.10 ( d ) which states
Issue: the settlement agent shall provide a completed HUD-1 or HUD-1A to the borrower
Subissue: the seller ( if there is one )
Consumer_narrative: the lender ( if the lender is not the settlement agent )
Company: TIL
State: Itemization of Amount Finaced
ZIP_code: Notice of Right to Cancel
Submitted_via: Privacy Notice
Complaint_ID: Yes
Product:
 there is not a copy of the final HUD Settlement Statement to determine compliance with 12 CFR 226.15 ( c ). Additionally

Company_public_response:
 and/or their agents ... The Truth in Lending disclosure issued contains a material error in stating that the loan contains a variable rate feature and also inaccurately states that disclosures about the variable rate feature had been provided earlier. There is no such evidence of any such disclosure. There is also a pattern of missing documents.The missing documents include but are not limited to the following : deed of trust


Date_received: 12/09/2015
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Called outside of 8am-9pm
Complaint_ID: Yes
Consumer_narrative:
A representative called me on XX/XX/2015 regarding a debt a relative has, I explained I have nothing to do with the debt and requested no contact, they assured me they would take me off as contact. On XX/XX/<YYYY> I received an automated call regarding the same debt owed by a relative. I called again to ask that they remove me as a contact, " XXXX '' stated that the relative would need to have them remove me. I asked why she could not remove me as an non-involved part that did not want to be contacted

Company_public_response:
 she again stated that the relative needed to have me removed from their contact list. I asked if they followed FTC regulations


Product: do not know the person they are seeking
Complaint_ID: Yes
Date_received:
12/18/2015,Debt collection,Mortgage,Cont'd attempts collect debt not owed,Debt is not mine,I got a new phone number a few months ago for a cell phone. Nationstar Mortgage XXXX which is a debt collector ) keeps calling the number up to several times a day. I have told them I just got the number

Subproduct:
 and please stop calling my number. XXXX person claimed they put in the system to stop calling me. It has been two weeks or more and they are still calling me. Today A person at Nationstar asked for a woman 's name. I said I do not know who it is and please stop calling me it is harassment. He said he would remove me from the system and started to hang up. I said hold on


Product: Inc."
Subproduct: GA
Issue: 30126
Consumer_narrative: N/A
Company_public_response: Referral
Company: 12/14/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/09/2015,Credit reporting,,Credit monitoring or identity protection,Problem with fraud alerts,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Product: Inc"
Subproduct: NV
Issue: 89193
Consumer_narrative: N/A
Company_public_response: Phone
Company: 12/21/2015
State: Closed
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/18/2015,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,,,PlusFour


Complaint_ID: Yes
Date_received:
We feel that Citi rushed to foreclose on our house when our application for short sale was already completed, using the excuse of " missing paperwork '' to justify their actions. We were misled


Product: but will not say who they are calling for at my number. When I return the call
Subproduct: they ask for my name and the last XXXX digits of my SSN
Subissue: but they can not cross reference a number to a person. They threaten to garnish my wages
Complaint_ID: Yes
Date_received:
12/18/2015,Debt collection,I do not know,Communication tactics,Frequent or repeated calls,Capital Management Services calls multiple times per day

Issue:
 but I refuse to give them that information. I will gladly provide my phone number ( since they already have it )


Complaint_ID: Yes
Date_received:
They required financials from the incorrect mortgagor The XXXX approval letter they issued required no repayment but the new XXXX that was issued a few months later now require repayment of most of the balance, none of this was discussed before they issued the approval letter. When we brought up the concerns about the trust and incorrect names Fifth Third acknowledged this was an error but said " they are not going to waste their time correcting this issue unless the sellers agree to the repayment. '' After we addressed our concerns

Product:
 fifth third also said our only options were to have a new agreement signed saying that the incorrect mortgagors would accept personal responsibility for the repayment and the trust would not be responsible. XXXX

Subproduct:
 the negotiator at fifth third refused to correct the errors or address our concerns further with their attorney. Her exacts word were '' if the sellers do not agree to the repayment


Product: they responded by telling me that I had 3 days left to spend a total of {$3000.00}
Complaint_ID: Yes
Date_received:
12/15/2015,Credit card,,Rewards,,We applied for a Chase Marriott Rewards Visa card for my wife several months ago. The promotion was for XXXX free Marriott Rewards points after {$2000.00} in spending during the first 2 months. We spent over {$2000.00} in the first two months and paid off the balances in full each month. We did not receive the rewards. When I sent an email inquiry to Chase detailing the problem


Product: THEY IN FACT DID. Gemini Capital Group
Subproduct: LLC and their attorney XXXX XXXX ( XXXX
Subissue: harassed me in XXXX County Court in Colorado
Company_public_response: and if I did n't
State: they almost got away with obtaining a judgment against me
ZIP_code: illegally so
Company_response: out-lawyering consumers
Complaint_ID: Yes
Date_received:
12/15/2015,Debt collection,Credit card,Taking/threatening an illegal action,Threatened to sue on too old debt,They not only THREATENED to sue me on debt that is too old to be sued on

Issue:
 CO ) actively pursed a lawsuit against me on a debt they knew to be a Time-Barred Debt. The debt was a credit card account Gemini had purchased that was originally a credit card from XXXX XXXX XXXX. They completely disregarded the Federal and State Laws on debt collection practices

Consumer_narrative:
 and attempted to even illegally obtain a judgement against me in XXXX County Court. I had to fight them for approx. a year against their illegal practices

Company:
 they were stampeding their way through the County Court in XXXX County Colorado with complete disregard of the FDCPA. In fact

Submitted_via:
 except by shear happenstance of me learning of their activities within a XXXX Report I had acquired for other informational purposes. I was then forced to hire a lawyer to protect me from their pursuit of extorting monies from me for time-barred debt. They simply were n't going to back-off until they could bully me into paying monies that they were attempting to extort from me. They have a total disregard and cavalier attitude in regard to the FDCPA

Date_sent_to_company:
 and fully believe they can bully monies by their `` XXXX '' activities by misusing county courts to file lawsuits that are wrongful against consumers thinking they are above the law and can commit this criminal activity against naive consumers


Date_received: 12/15/2015
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: TD Bank US Holding Company
State: NY
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 12/15/2015
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I WAITED LITERALLY XXXX MINUTES ON HOLD TO SPEAK TO SOMEONE ABOUT MY ACCOUNT TONIGHT XX/XX/2015 AND LITERALLY WHEN THE WOMAN CAME ON THE PHONE, I POLITELY COMPLAINED THAT 16 MINUTES WAS FAR TOO LONG TO WAIT FOR ANYONE, AND SHE RUDELY AND SIMPLY HUNG UP ON ME, CAUSING ME TO HAVE TO NOW CALL IN AGAIN  AND RE-VERIFY MY ACCOUNT, AND NOW I AM ON HOLD AGAIN. I ANTICIPATE ANOTHER WAIT HOLD FOR XXXX MINUTES FOR A VERY SIMPLE QUESTION COSTING ME MORE THAN XXXX MINUTES OF MY PRECIOUS TIME AND DAY. I BILL XXXX, WILL TD BANK OR THIS WOMAN COMPENSATE ME FOR THIS LOST UNNECESSARY TIME SPENT CHASING TD BANK DUE TO ITS RUDE CUSTOMER SERVICE REPS THAT NEED TO BE EITHER RE-TRAINED/TERMINATED FROM EMPLOYMENT? I AM NOT A DOG AND I DON'T NEED TO BE XXXX TRAINED OR BEHAVIOR-MODIFIED BY THESE UNFRIENDLY AND RUDE CUSTOMER SERVICE REPS.


Date_received: 12/19/2015
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Fraud or scam
Company: that I never opened with them in the first place
Complaint_ID: Yes
Consumer_narrative:
PayPal signed me up without my knowledge or consent for a FRAUDULENT " line of credit '' of {$500.00} and defaulted my Ebay payments so that I payed by this line of credit when I actually wanted to pay using my credit card. I made a purchase on Ebay on XXXX/XXXX/2015 and was by default "" steered '' to pay by Pay Pal credit. I contacted them immediatly and asked to pay by credit card and they said

Company_public_response:
 "" They could not take a credit card payment over the phone '' and made me mail them a check! I cancelled the line of credit

State:
 and then closed my Pay Pal account which I have had for about 11 years. Pay Pal is committing fraud


Product: I checked my balance online and saw that all the XXXX transactions were pending
Issue: I called the bank to attempt to transfer funds into the account
Subissue: this service was not available
Consumer_narrative: I attempted to find a way to transfer funds into the account online from another bank account
Company_public_response: this was not available
Company: finally I drove to the TCF ATM machine that stands in the place they used to have our branch
State: and found that the TCF ATM does not take deposits. The nearest branch is XXXX miles from my home
Timely_response: the deposits made before XXXX are added to the account
Complaint_ID: the customer service team lead named XXXX said "" Ok
Date_received:
12/15/2015,Bank account or service,Checking account,Problems caused by my funds being low,,I had a balance of XXXX in my TCF checking account ending in XXXX as of XXXX/XXXX/2015. I made XXXX transactions on XXXX. The last of these was dinner at XXXX XXXX XXXX for XXXX at XXXX in the evening. When I got home

Subproduct:
 but I had miscalculated and the last XXXX would overdraw the account by {$18.00}. Wanting to avoid an overdraft fee

ZIP_code:
 by that point it is XXXX at night. The next morning on XXXX I drove to the bank branch XXXX miles away

Submitted_via:
 and gave the teller {$20.00} to deposit into the account and asked the teller to close the account. She stated that she was unable to close the account due to a negative balance. She explained that there were overdraft fees on the account for transactions that were pending. We both agreed that it did n't make sense

Date_sent_to_company:
 but she said she was unable to reverse the charges without manager approval and that the manager was not there and would not be returning that day. Today ( XXXX ) I received a letter in the mail from TCF Bank stating that my account now overdrawn in the amount of {$250.00} as of XXXX/XXXX/15. I have not used the account since and after speaking to the customer service department

Company_response:
 I have learned from them that there have been no transactions since those XXXX on XXXX/XXXX/15. They explained to me that each XXXX of those transactions has incurred an overdraft fee. They explained that at XXXX each day

Consumer_disputed:
 then any transactions that are posted ( collected by the merchant ) before XXXX are subtracted from the balance and then any transactions that are pending which would be overdrafts are assessed the fee. When I asked them to explain to me specifically how each of my transactions incurred a fee


Date_received: 12/19/2015
Product: Bank account or service
Subproduct: Savings account
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
My mother has XXXX and is XXXX years old making it difficult for her to get around when she is not hospitalized. A few years back we went to a branch and had my name added to her passbook savings account in case of situations like this. I had no reason to go since then, until now, but when I went, the bank had mixed someone else 's information with my name on the account and it would be difficult to straighten it out without my mother. In the interim we went and had power of attorney documents notarized for me. However when I went to the bank, they stated they still need to investigate since my information did not match and eventually when my mom was permitted to travel ( she is currently in a XXXX ) by the doctor, we went to the branch near the XXXX, there they suggested she come in while she was out. The lady there said she would simply delete the incorrect information on the account for me. When she did this she put my correct information in and the " XXXX '' they use for new accounts rejected me because of low score


Product: Servicemember"
Subproduct: Consent provided
Issue: Web
Subissue: 12/19/2015
Consumer_narrative: Closed with explanation
Company_public_response: Yes
Company: No
Complaint_ID: Yes
Date_received:
,Company believes the complaint is the result of a misunderstanding,Valley National Bank,NJ,079XX,Older American


Date_received: 12/19/2015
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: '' but that implies that I owed the debt at one time and paid it off
Company: neither of which is true. Because the debt was never mine
ZIP_code: although showing "" satisfied
Date_sent_to_company: both on the Federal and State level
Complaint_ID: Yes
Consumer_narrative:
In 2007, I was a victim of identity theft. As a result, the IRS charged that I owed them a tax debt, which I disputed. Before we reached a resolution, the IRS reported the tax liens to the XXXX credit bureaus. After several years of disputing the debt with the IRS, and with the help of the IRS Advocacy group, the IRS conceded that I did not owe the debt and removed it from my file. However, they refused to remove it from my credit report, despite multiple calls and visits to the local offices reporting the debt. I 've been trying for years to get the bureaus to remove it, but because its the IRS, they do n't want to do it. I finally called the IRS Advocacy group again and they confirmed that they have no record of the debt because it was removed, since I proved it was n't my debt. They recommended that I get the FTC involved to force the IRS to remove the tax lien history from my credit profile. Currently, there are several tax liens that show " paid/satisfied

State:
 any and all record of the tax liens should be stricken from my credit profile. As result of having those liens reported

Submitted_via:
 '' my credit scores are being severely affected and I 'm having to pay much higher interest rates and getting denied from necessary credit. I need your help in having all of the erroneous tax liens appearing on my credit report


Complaint_ID: Yes
Date_received:
12/15/2015,Credit card,,Advertising and marketing,,I had applied for AT & T XXXX XXXX Credit card from Citibank ( XXXX ) and the same got approved on XXXX XXXX

Product:
 2015. The card has an annual fee of {$95.00} and it has an offer related to reimbursement of upto {$650.00} incurred towards purchase of new cellphone from AT & T provided new user spends {$2000.00} within 3 months. However


Date_received: 01/06/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Complaint_ID: Yes
Consumer_narrative:
I have received several calls back to back from the same company saying they are going to send me to court for debt. The calls started on XXXX XXXX, 2016. They left a threatening voicemail to send me to court. The next day, the same lady that was on the voicemail called me 4 times back to back and I answered and asked that she please leave a voicemail and stop calling me. She says " I 'm gon na keep calling you until you pay this debt! So hang up so I can continue calling. '' The only reason why I have n't received any more calls is because I blocked the number on my phone. I then called to speak to the supervisor and he was rude saying "" Well if you answered and paid your debt

Company_public_response:
 she would n't keep calling you. '' I then told him that harassment is against the law and his associate was harassing me. He said "" Well since you wan na report me


Date_received: 12/19/2015
Product: Credit card
Issue: Advertising and marketing
State: but can not include your Discover card statement. '' My purchase did not contain a gift card
Date_sent_to_company: and have never encountered such issues with XXXX
Company_response: XXXX
Timely_response: XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
I received an email from Discover stating " We 're writing to let you know that your XXXX Pay purchase on XXXX XXXX

Company_public_response:
 2015 for {$1200.00} at XXXX XXXX included a gift card. The gift card portion of your purchase does not qualify for the XXXX % Cashback Bonus ( R ) promotion... if you disagree with our finding and contend that your purchase did not include a gift card or a portion of your purchase qualifies per the terms of the promotion

Company:
 let us know with supporting documentation in the next 21 days. Documentation can include store receipts or invoices

ZIP_code:
 and no one where did Discover 's Terms and Conditions disclose Discover would ask for documentation of what was purchased. This puts an unnecessary and unreasonable burden on me as a consumer to provide proof against an accusation Discover is making while having zero grounds for making said accusation. What would happen if I did not keep my receipts from more than 3 weeks ago? Should I be keeping my receipts for all of my purchases made with my Discover card? It would be nice to know beforehand and not after the fact. To summarize

Submitted_via:
 Discover is not abiding by their Terms and Conditions by making unfounded accusation and placing the unjustified burden on the consumer. I 'm extremely disappointed with Discover 's lack of integrity and transparency. I have a strong relationship with


Product: XX/XX/XXXX. I initially applied for a mortgage loan through TD Bank back in XX/XX/XXXX. However
Subissue: the title company and the realtor
Complaint_ID: Yes
Date_received:
12/15/2015,Mortgage,FHA mortgage,Settlement process and costs,,I have made a purchase on a house I was scheduled to close on Monday

Subproduct:
 the mortgage processor neglected to let anyone know there was only one piece of the information missing until today

Issue:
 which prevented me from being able to close on the house. Everything was set up to close today between myself


Product: I received notice from their attorney certified yesterday
Complaint_ID: Yes
Date_received:
The Housing Crisis was happening obviously during the buying process and my house fell below its Principal Balance by more than {$100000.00} by Year XXXX. I submitted XXXX MHA Modification Requests to XXXX XXXX XXXX over a 2-year period from XXXX to XXXX. While engaged in Modification mitigation with XXXX XXXX XXXX, they sold the loan to PennyMac Loan Servicing effective XXXX XXXX, XXXX without providing a Decision on my MHA packet. PennyMac requested that I resubmit a new MHA packet to them to start the process again. Now, this is my XXXX MHA application ; nevertheless, I provided all requested information and documents. While engaged in MHA mitigation, PennyMac filed Foreclosure on my home with a Sale Date of XXXX/XXXX/XXXX. I, in turn, file Chapter XXXX on XXXX/XXXX/XXXX. My Bankruptcy payments were {$450.00} per month as I continued to pay my {$1400.00} Mortgage ( ARM ) and approximately {$1800.00} more expenses monthly. After being in Bankruptcy for nearly 1 1/2 years, the case was dismissed on XXXX/XXXX/XXXX for payment default. I 've been communicating with my Bankruptcy attorney and PennyMac for over 6 months now about the hardship to pay {$1800.00} ( XXXX + XXXX ) to my mortgage for much longer and needed relief. I also disclosed my most recent illnesses and what stress has caused. Now I have an XXXX, among other conditions. I 've called PennyMac over XXXX times since XXXX/XXXX/XXXX to speak with XXXX XXXX, the assigned representative ; however, she would not return my call. I have a voice message recorded on XXXX/XXXX/XXXX that she tried to reach me but nothing beyond that. I 've also left a message for her supervisor ; however, never received a call from her either. I 've been getting the run around since XXXX/XXXX/XXXX to provide them more documents and explanations of hardship surrounding the date of XXXX/XXXX/XXXX ; however, I 've been making my mortgage payment every month since XXXX/XXXX/XXXX through XXXX when I learn of the dismissal. It is obvious that they have not applied my monthly mortgage payments according to the Chapter XXXX Plan. On this day, XXXX/XXXX/XXXX, I have yet to speak with my assigned XXXX Representative after numerous requests. Furthermore, on this date, XXXX/XXXX/XXXX, my account states that the MHA application is still " Under Review '' and have not made it to the next step which is the "" Decision '' ; however


Date_received: 01/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: although it could be done on XXXX/XXXX/XXXX
Complaint_ID: Yes
Consumer_narrative:
PHH Mortgage has done several things to make my mortgage increasingly untenable and are now threatening to foreclose. When I submit late fees, they disregard instructions and apply it toward principal, subtract the outstanding fees from the base payment, claim I was late, then apply yet more late fees. I now owe well over XXXX $ in late fee due to this 'snowballing ' of late fees. Once, they sent me an escrow overpayment check of XXXX . I called to confirm that that was not an error and was told it wasnt. A month later, after the money was spent, they said it was an error and I had to remit the entire XXXX $ immediately. I could not do this, so my next payment was applied to that and I was assessed another late fee because they claimed I had not made a payment toward the mortgage. They eventually came up with a repayment plan but at this point my XXXX $ mortgage was now about XXXX $ per month. This made a difficult ( due to injury ) mortgage incredibly hard to pay, resulting in more late fees. Their phone representatives are completely inconsistent ; at XXXX point claiming I owed no fees followed by a letter saying I owe hundreds. Once they claimed they could not look beyond 2 years back of the loan due to their computer system ; a claim that is completely implausible in the year XXXX. Now- I have changed positions and well equipped to incrementally pay off everything, but the bank demands 100 % payment or nothing ( they will not even accept my regular payment ). Of course, they are charging more late fees because they claim I am not paying. Naturally, my credit is completely ruined as well. I spoke to them on XXXX/XXXX/XXXX and they demanded a double payment to stop foreclosure. I pointed out if they had not sent back my last payment and I made a payment on-the-spot, that would have been the same thing, but the returned payment had, at that point, been re-routed to other bills of mine. I offered to make a double payment on XXXX/XXXX/XXXX and they said I would have to make a *triple payment " or be foreclosed. This is impossible of course


Date_received: 01/11/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Complaint_ID: Yes
Consumer_narrative:
A process server named XXXX called from a local XXXX phone number from " Legal Services '' leaving a message he had paperwork to serve me with unless I contact the company directly. He would serve me on Monday between XXXX and XXXX XXXX. either at my residence or place of employment. So I called the XXXX number and talked with XXXX XXXX at XXXX XXXX. He said I owed around {$1200.00} for an original loan of {$600.00}. It turns out Spotloan is not a licensed pay day lender in Oregon. I told him he could only charge me for the principal which I thought I had paid already. I demanded something in writing

Company_public_response:
 and he stated he mailed a letter on XX/XX/XXXX with a deadline to pay by XX/XX/XXXX. I never received a letter. In fact I never received any prior calls or communication from this collection company. He said they could charge minimal interest


Date_received: 01/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Complaint_ID: Yes
Consumer_narrative:
Received letter from XXXX XXXX, XXXX on behalf of Bank of America. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX could not provide debt validation. The situation was a nuisance and we settled via a stipulation for {$2500.00} with XXXX. XXXX XXXX did not disclose to us he was working with XXXX XXXX XXXX - a debt collector law firm. XXXX XXXX XXXX never provided any information to us via the FDCPA. We were completely unaware of their involvement in this matter until an email was sent to us by mistake on XXXX indicating they were in fact acting as an agent for Bank of America.We then contacted Bank of America , XXXX XXXX , CEO and were directed to a XXXX XXXX after many communications XXXX XXXX indicated this evening we were out of luck. The stipulation was signed # XXXX, it did not matter that the collection agent XXXX XXXX XXXX was not disclosed to us. When I asked for debt validation he said the " statute of limitations had run out '' and "" he was unable to provide the validation ''. It did not matter as we signed # XXXX on the stipulation. I indicated to XXXX XXXX had any of this been disclosed to us we never would have entered into a stipulation. Had we known XXXX XXXX was involved along with XXXX we would not have agreed to any of this with Bank of America. There was deception in the lack of disclosure to us by Bank of America


Complaint_ID: Yes
Date_received:
On XX/XX/XXXX, I emailed XXXX XXXX a copy of an email dated XX/XX/XXXX from XXXX XXXX stating, " Once all trial payments have been made


Date_received: Please note
Subproduct: XXXX
Issue: XXXX ( XXXX
Subissue: etc ... )
Complaint_ID: Yes
Product:
 communication continues to be a burden with Wells Fargo. I 've requested accommodations. I am a person with XXXX. I 'm a survivor of XXXX. I experienced a XXXX. I suffer from XXXX


Date_received: I 've requested the following accommodations : include my mother
Product: XXXX XXXX
Subproduct: on all correspondence and to allow my mother
Issue: XXXX XXXX
Complaint_ID: Yes
Subissue:
 on phone calls. My father has stage XXXX XXXX XXXX ( non-smoking/XXXX ) & my mother is n't always available


Complaint_ID: Yes
Date_received:
I responded on XX/XX/XXXX via email. I stated my mother is the executor to my trust and Wells Fargo has this information. I again explained that I 'm a XXXX person and to add her to the emails was a request for accommodation. I also stated in the email that I visited a local Wells Fargo Bank to make my last trial payment and I was told there should n't be any issue with my mother being included on communications. I also asked XXXX XXXX to send me the security policy she referenced in her email. As of today


Complaint_ID: Yes
Date_received:
XXXX XXXX from Wells Fargo 's Executive Department continues to encourage me to CALL Wells Fargo with questions


Complaint_ID: Yes
Date_received:
Writing emails/correspondences in order to save my home has been exhausting and time consuming. This has been emotionally overwhelming. Please


Product: I did
Subissue: then
Complaint_ID: Yes
Date_received:
01/11/2016,Debt collection,Credit card,Communication tactics,Used obscene/profane/abusive language,I received a phone call from a debt collector claiming to be from a law office on an old credit card account that was from XX/XX/XXXX. The man that I spoke to was named XXXX at XXXX he attempted to call me several times while I was driving but the call kept dropping. When I was finally in an area that I could return a call to him

Subproduct:
 and the following conversation transpired that left me feeling UN-eased and uncomfortable. He asked me if I was going to take care of the debt

Issue:
 and I replied no because there was a savings account attached to that credit card that would be used in the instance that I defaulted on the credit card. He told me no there was n't and I replied yes it was from XX/XX/XXXX

Consumer_narrative:
 he told me that the account was opened by me XX/XX/XXXX. I then told him that I did n't go by the name he was stating over the phone since XX/XX/XXXX when one year later I went into the XXXX and the military legally changed my name to my maternal mother 's last name. So I told him good luck proving that I existed by that name XX/XX/XXXX


Date_received: 12/09/2015
Product: Debt collection
Subproduct: I do not know
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Complaint_ID: Yes
Consumer_narrative:
I received a voice message from the number XXXX. It stated that they were trying to reach XXXX XXXX. I am not, nor do I know anyone by this name. The message stated that it was investigator XXXX calling. She said she '' d been asked to contact XXXX XXXX directly to serve a summons and that XXXX should either contact them or fax a stand down order or she would be out with the XXXX XXXX XXXX 's office to serve a summons. She ended the call with, " Thank you and good luck. '' I was directed to call XXXX with case # XXXX. I did call that number and ask to have my phone number removed from their database as I am not XXXX XXXX. They simultaneously insisted it was their process server calling and not them and that they had removed my number. Then XXXX hung up on me. When I attempted to call back to ask to speak to her supervisor

Company_public_response:
 she refused to put me through to anyone else saying she was the highest ranking person there. She called me rude and nasty even though I had not been derogatory towards her

Company:
 then made some type of comment about feeling sorry for my husband. I do believe that the threatening nature of this call is a violation of fair collection practice. It is also a simple process to verify that they are calling the correct party


Date_received: Wells Fargo Bank is attempting to collect the debt in relation to a mortgage Note
Subproduct: 2013
Complaint_ID: Yes
Product:
 which they are not the "" original lender '' or "" creditor '' to whom the debt was owed. In XXXX of

Issue:
 Wells Fargo Denied my request for permanent Modification of my qualifying loan under the Home Affordability Modification Program which was provided to me by Wachovia Bank of NJ


Date_received: I have repeatedly provided Wells Fargo with all my financial information
Subproduct: they still refuse to help me save my primary residence. This is a self sustaining rental property
Complaint_ID: Yes
Product:
 including bank statements and cash flow analysis showing that the building is self sustaining in it 's ability to repay the Modified Loan Requested. But as of this time


Product: in XXXX
Subproduct: New Jersey
Subissue: 15 U.S.C. 45 ( a )
Complaint_ID: Yes
Date_received:
It is my belief that Wells Fargo is engaged in "" Redlining '' for failure to assist me with my property

Issue:
 that I believe qualifies for at least XXXX of the many Federal Programs designed to help borrowers maintain the integrity of their neighborhoods as laid out by the Housing and Urban Development Agency. Therefore I seek your assistance with filing a complaint under Section 5 ( a ) of the FTC Act


Product: they would honor it. They kept my check for ALL months I was supposedly late on
Subproduct: and then sent my check back to me un cashed
Issue: not deposited into a suspension fund
Consumer_narrative: I had to hire a professional loan negotiator to start working on this problem. I was
Company_public_response: after several months of sending documents
Company: XXXX XXXX XXXX reports
ZIP_code: and after being told that this was the last time they would do this
Company_response: I was never able to catch up on the arrears I 'm facing now. In all seriousness
Timely_response: I am scared to death of dealing with the lender at the collection level
Consumer_disputed: I do n't trust anything they say
Date_received:
I thought all was fine, and then the XXXX check shows up in the mail un cashed. I imediately called my Rep at green tree lending ... XXXX XXXX And left a message for him to call me. He never called. I waited till XXXX XXXX and was ready to pay the monthly payment but decided to call again. I did NOT talk to XXXX XXXX But someone else told me that they did not receive the documents and that I was in default again. After being told to write a letter of appeal explaining my situation I was told to " Re-Make '' any payments I was supposedly late on. My letter was denied and I was told by letter that if I could prove I sent it

Subissue:
 just back to me un cashed in XXXX of XXXX. I still have all the checks and letters sent to me. So after dealing with another sheriff sale

State:
 and pay stubs and past taxes I was given a loan mod that doubled what the streamline loan XXXX. was. Fearing of no other recourse

Submitted_via:
 we had to sign the new agreement even tho we were going to pay twice the monthly amount. I am a seasonal company owner that does not work in the winter months

Date_sent_to_company:
 so I have to save money for winter bills. I planed my winter for the streamline payment of {$650.00} but after the lender changed the new Mod Loan to {$1200.00}

Complaint_ID:
 and I certainly believe i was a victim of discrimination and predatory lending practices. As I stated in the letter head A T T E N T I O N!!! S H E R I F F S A L E O XXXX XXXX at XXXX. Is there anyway to stop the sheriff sale to continue negotiations with lender or do I need to file a lawsuit against the lender. Please help if you can Thankyou. 


Date_received: 12/24/2015
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: and allowed the bank the vary the statutory sequence of rescission
Date_sent_to_company: the bank moved for foreclosure in the state court. We rescinded this loan in XX/XX/XXXX
Complaint_ID: Yes
Consumer_narrative:
Case no. XXXX in the XXXX circuit court of appeals. This is the Tila rescission case XXXX vs XXXX XXXX, which the CFPB filed a previous amicus brief regarding statute of repose, and the three year limitation on filing rescission.As you already know, the scotus ruling on XXXX vs XXXX, did away with the falasy that a person was time barred from having not filed a law suit to enforce rescission within the three years. Attached to the XXXX case, was XXXX vs XXXX. We were reversed and remanded back to the appeals court, which remanded back to the district court, and Judge XXXX XXXX. After both parties moved for summary judgement on the issues, the ruling went like this. Summary judgement was granted to the XXXX party, because the judge believes we could not Rebutt the presumption of delivery of documents. He completely ignored the precedent sent in the eighth circuit in XXXX vs XXXX, and the ruling in XXXX, and XXXX.. He also ignored the plain language of scotus, in that rescission is " effected upon notice ''

Company:
 by not responding within 20 days. He also ignores the numerical violations in the disclosures themselves

State:
 that prove we had rescission. We are appealing his ruling of ignoring the 20 day requirement of the bank not taking action to rescind or seek judicial guidance. Ignoring this rule waves their tenable defenses. Judge XXXX treated us with hostility

ZIP_code:
 at the same time was extremely polite and accommodating to the banks attorney. We feel there is a clear bias displayed here

Submitted_via:
 and would like to get the CFPB 's assistance regarding the clear defiance in the eighth circuit toward Tila Rescission.While this case was playing out

Company_response:
 and file suit in XX/XX/XXXX to enforce rescission. We have gone all the way to the Supreme Court to enforce our rights


Complaint_ID: Yes
Date_received:
12/15/2015,Credit reporting,,Improper use of my credit report,Report improperly shared by CRC,currently in litigation with XXXX banks who appear on my credit report i asked for information to be removed due to inaccurate reporting information on these XXXX accounts they remain on my credit report dragging my score down


Date_received: 01/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: 2015. '' Under the section entitled "" Personal Information '' it had a "" XXXX XXXX XXXX
Company: name identification number XXXX '' listed. My full name is "" XXXX XXXX XXXX
State: XXXX
Submitted_via: they refused to do so
Date_sent_to_company: thus
Complaint_ID: Yes
Consumer_narrative:
Today I received a letter in the U.S. Mail from " Experian '' credit reporting bureau dated "" XXXX XXXX

ZIP_code:
 '' NOT "" XXXX XXXX. XXXX. '' I am a Victim of Identity Theft. When I called up "" Experian '' and asked them to "" delete '' this false "" XXXX XXXX XXXX '' from my "" Experian '' credit file


Product: Inc."
Subproduct: TX
Issue: 78617
Consumer_narrative: N/A
Company_public_response: Referral
Company: 12/17/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/15/2015,Credit reporting,,Unable to get credit report/credit score,Problem getting report or credit score,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 12/24/2015
Product: Debt collection
Subproduct: Payday loan
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Consumer_narrative: I received a call from " Oracle Financial Group '' at number XXXX
Company_public_response: on XXXX XXXX
Company: XXXX I
ZIP_code: I told her I did n't owe a payday loan
Submitted_via: then she gave me a number XXXX to "" XXXX XXXX
Timely_response: I was told that paperwork had been processed and
Complaint_ID: I was just made aware of the situation the day before
State:
 spoke with XXXX XXXX she said I owe {$600.00} for a payday loan I took out in XXXX. XXXX XXXX said I would be given time to research my debt

Date_sent_to_company:
 '' whom she said passed the loan to her company and would have info on the original loan. The next day

Company_response:
 I called XXXX back because that number did not work. I asked to speak with the manager and spoke to XXXX XXXX

Consumer_disputed:
 I would be given a court date by the next day if I did n't settle the dispute for {$500.00} that day. I repeatedly asked how is this being processed so fast as


Product: Inc."
Subproduct: CA
Issue: 90731
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/13/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: I was just made aware of the situation the day before
Date_received:
01/13/2016,Debt collection,Medical,Disclosure verification of debt,Not given enough info to verify debt,,Company believes it acted appropriately as authorized by contract or law,R.M. Galicia


Date_received: 12/24/2015
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Company: but can commit to {$100.00} a month with them until I payed off my remaining balance
ZIP_code: that then I would not discuss the matter further with her
Timely_response: and then I call to make the first payment
Consumer_disputed: I am even willing to give you the {$200.00} you state I owe. '' XXXX stated
Consumer_narrative:
I was paying back the loan, $ XXXXmnth for the past 3 years now under XXXX XXXX XXXX. The monthly payment for XXXX 2015 was not deducted from my debit and I waited to see it would or call to follow up on the matter by XX/XX/XXXX, if it happened again. My due date was every XXXX of the month. I started receiving calls XX/XX/XXXX from Navient, whom I was not sure whom they were at first, and would not leave a message or then leave a simple message just stating it was an urgent matter to discuss. When I finally called back, when I was available b/c they called always during my working hours, I spoke with a XXXX # XXXX of Navient and she explained XXXX closed and the case was transferred to them and immediately proceeded to request the money I owed and said they were giving me a great deal in cutting my balance in half and making a full payment over the phone that day. I said I did n't have the money and was n't ready to settle and preferred to continue to have the {$100.00} deducted as was being done with the other company. She insisted that it was better to settle and that I should request the money from a family member or friend and if I had one that can loan me the money since everyone did that.I refused. She became hostile and stated that then I not only owed {$100.00} but {$200.00} since I did n't pay for XXXX. I inquired why was I being penalized for that when I was not informed that my loan was being transferred over. XXXX asked, " do n't you have the money? you still owe it to us. what did you do with that money you did n't pay last month? '' I was surprised at her direct and unprofessional matter of handling this call

Company_public_response:
 and only said I had medical emergencies ( which I did ). She said I still owed it. I said I would inquire more about that & and if I really owed it

State:
 which does n't seem to go down much. She said she needed to deduct it and I requested that she please send me a letter with that information of agreement before I payed it. I told her I was still working and on my way to a meeting and could n't give such personal information over the phone @ the time. I spoke to her the second day and insisted I needed a letter first with the agreement. She said that I can ask all I want but they were not obligated to provide it. I then stated

Submitted_via:
 because I was trying to work out with her what I owe & repayment and she is not being helpful. She hung up wishing me happy holidays. She called back saying that she spoke to a manager and they can provide me with a letter as I requested and to call back but before XXXX. Since I was not able to call back that same day before XXXX

Date_sent_to_company:
 I called again the following business day and proceeded to confirm my email address and start the confirmation that I can do the {$100.00} a month on a specific day of the month. I asked her to send me the letter and then I would call back to make the payment ; since I needed to see and be sure of the agreement I was making with them and I know that is my right. XXXX answered I ca n't dictate what and how they do things and they need a date to take out the money. I said

Company_response:
 "" But why would I give it to you and then the date comes and goes and I have not received the letter from you? I request the letter with the agreement before

Complaint_ID:
 "" you owe this money and this does n't work this way. I told her all I needed was the letter with the agreement and it was right. XXXX stated I can have myself a good holiday because that is not happening and they need a date. XXXX hung up. I want to be able to settle the matter


Date_received: 01/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: XXXX
Company: XXXX
State: XXXX XXXX XXXX XXXX
ZIP_code: XXXX
Submitted_via: XXXX
Date_sent_to_company: XXXX
Company_response: XXXX
Timely_response: XXXX XXXX
Consumer_disputed: XXXX
Complaint_ID: XXXX XXXX
Consumer_narrative:
Equifax said that : " Please be advised the following accounts had been deleted for the credit the file in case number XXXX XXXX XXXX XXXX account numbers XXXX


Date_received: 01/06/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: in my credit files from XXXX XXXX Toyota Financial XXXX XXXX XXXX
Company: that I would like to have revised
Complaint_ID: Yes
Consumer_narrative:
My experience with your organization has been a mixture of a grateful " thank-you '' and a pressing request concerning my trade line


Date_received: As discussed
Complaint_ID: Yes
Product:
 I have been communicating on many occasions about issues with payment transaction issues. Each and every time I have communicated with your organization

Subproduct:
 I was assured that NO LATE PAYMENT would occur as circumstances beyond my control were wreaking havoc on this situation


Date_received: I do n't have all the answers
Product: but my virtues are made apparently present by my unwavering payment history
Subproduct: by my extremely high amount of direct communication with you and your team
Issue: and by the numerous promises from you all that you understood that my situation was special
Company_public_response: I am XXXX
Company: I suffered a divorce
Complaint_ID: Yes
Subissue:
 and I would NOT endure the devastating reporting of any 30 day late payments on my credit report ( as I was never 30days late. ) With that said

Consumer_narrative:
 I have been through a long road of hardships. I was injured and am now retired from the New York XXXX


Date_received: I did not pay my XXXX payments 30 days late
Product: I have proven your records are inaccurate compared to the financial institution transactions
Issue: and I have shown a high attitude of virtue
Subissue: by going as far as paying a double payment in XXXX
Consumer_narrative: for both XXXX and XXXX
Complaint_ID: Yes
Subproduct:
 I have made sure within days of notification of troubled transactions I got the payment to you by any means possible


Date_received: 01/06/2016,Consumer Loan,Vehicle loan,Managing the loan or lease,,On XXXX XXXX
Complaint_ID: Yes
Product:
 XXXX I purchased a car through Santander Consumer. The cost of my car was {$12000.00} with an interest rate of 24.99 % I put {$3000.00} down. As of today XXXX/XXXX/XXXX


Date_received: 12/30/2015
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
ZIP_code: I made arrangements to pay off the remaining balance due on the car. In so doing
Submitted_via: I was provided the title of the car. In the meantime
Date_sent_to_company: TD Bank reported to the credit bureau 's that the car had been charged off
Company_response: and they also reported that there was an unpaid balance ( not true
Timely_response: there was no unpaid balance ). The credit bureau 's listed this as a derogatory event
Consumer_narrative:
TD Bank, XXXX, located in XXXX XXXX, New Jersey XXXX issued a car loan in XXXX, XXXX to my daughter and I co-signed for the loan. After Hurricane XXXX in the fall of XXXX, we, like thousands of residents, had no electricity, phone or heat for over 2 months. I contacted all businesses that had loaned us money ( mortgage, credit cards, automobile loans, etc. and each and every lender afforded us a 3 month grace period in making payments. This grace period meant that the lenders waived our payments for 3 months without penalty and without reporting a delinquency to the XXXX major credit bureaus. Lenders did not waive 3 months of payments, they simply extended the length of the loan for an extra 3 months without penalty. TD Bank granted us that waiver. That meant that XXXX, XXXX and XXXX, XXXX payments were waived. One month after our payments were to resume, TD Bank, without notifying me, issued a repossession order for the car and " charged off '' the car in XXXX XXXX. As such

Company_public_response:
 TD Bank did not honor the grace period granted to us and instead ordered the car to be repossessed. As the co-signer of the loan

Company:
 TD Bank never notified me that the car was being repossessed. When my daughter notified me of the action taken by TD Bank

State:
 I spent days attempting to locate the department within the bank that was handling the repossession. Once I reached the bank 's "" charge off '' department

Consumer_disputed:
 and effectively ruined the credit rating of my daughter and myself. TD Bank never lost money on their loan to us

Complaint_ID:
 as we paid the full amount of the loan and received the title to the car. I have spent 2 years dealing with TD Bank to have this derogatory information corrected


Date_received: 01/12/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I have an Home Equity ine with Wells Fargo , NA, since they acquired Wachovia Bank. Since the changes in FEMA 's Flood Insurance Maps, Wells Fargo has insisted that I obtain Flood Insurance on the property mortgaged. The requirement was for the amount of the lien against said property. Since last year, Wells Fargo has billed me for an excess of the amount of insurance they claim I require because their figures show a lien amount in excess of the amount of the Actual lien. I have called Wells Fargo on XXXX/XXXX/15 and this situation was supposed to be corrected. To date, Wells Fargo has not reversed the charge of {$740.00}. Today I have had to call Wells Fargo, NA., Insurance division again to try to settle this. I am of the opinion that I am not he only customer that Wells Fargo is trying to " extort '' this way and I feel that this should be looked into seriously. Wells Fargo has stated to me again that it will take 10 days for them to "" research '' the lien and asked to be called back. They refused to send an e-mail or correspondence with an answer. Please help.Sincerely


Date_received: 01/15/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Settlement process and costs
State: known as an endorsement
ZIP_code: is missing. Lenders need endorsements to prove that they own the mortgage
Submitted_via: before they can foreclose on a homeowner. The manual
Date_sent_to_company: reviewed by XXXX
Timely_response: paperwork the bank should already have. "" This is a blueprint for fraud
Consumer_disputed: '' said XXXX
Consumer_narrative:
Wells Fargo created an elaborate guide for how to produce missing documents to foreclose on homeowners, according to a lawsuit that has caught the attention of state and federal regulators. The bank denies wrongdoing, but the allegations rekindle claims that lenders, including Wells Fargo, used forged and shoddy paperwork during the recession to quickly foreclose on struggling homeowners, a practice known as " robo-signing. '' Those charges led to a {$25.00} XXXX national mortgage settlement that was supposed to put an end to such abusive practices

Company_public_response:
 but bankruptcy lawyer XXXX XXXX says nothing has changed. In the course of defending a New York homeowner facing foreclosure

Company:
 XXXX said she found a XXXX manual instructing Wells Fargo lawyers how to process foreclosures when a key document

Company_response:
 outlines steps for obtaining the missing document after the bank has initiated foreclosure proceedings. It also lays out what lawyers must do in the event of a lost affidavit or if there is no documentation showing the history of who owned the loan

Complaint_ID:
 who attached a copy of the manual as evidence in the lawsuit filed in U.S. District Court in XXXX XXXX


Date_received: 01/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: and they began foreclosure. They realized there was equity in the home
Complaint_ID: Yes
Consumer_narrative:
I need help working with Select Portfolio Servicing on my home mortgage. They advised me to not make payments to qualify for HAMP modification. Now, they have told me that I do not qualify for HAMP modification, and the home is in foreclosure. I only owe approx.. {$18000.00} on the home. Select Portfolio Servicing ordered an appraisal that values the home at {$67000.00}, 2 months ago. They have started foreclosure only since the appraisal was received, and they knew the equity was in the home. I have spoken with my local bank and they said the " ability to repay '' for my husband and me is within policy

Company_public_response:
 according to the new XXXX XXXX requirements. We have fixed monthly income from Social Security and my husband 's pension. The only debts we have is our car loan and we recently paid off a small debt to "" Whynotlease? '' We really feel they have advised us not to make payments until the review was completed. After the review was completed they said we did not qualify for a modification


Product: Inc"
Subproduct: OK
Issue: 743XX
Subissue: Older American
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 01/06/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,Select Portfolio Servicing


Date_received: 12/30/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
State: after my rate lock
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX XXXX, before the rate increase, I applied for a mortgage with AimLoan.com. I was given a set of required steps and required documents. At no time during the application process was I told that XXXX of the lenders requirements was XXXX transcripts of tax returns. My rate lock expires XXXX XXXX, XXXX. On XXXX XXXX, AimLoan supervisor advised me that " Proof '' that the XXXX taxes had been filed was required. A signed copy of the tax return was not good enough. We had a brief conversation that if I submitted false documentation to obtain a mortgage

Company_public_response:
 that would be a felony. The AIMLoan supervisor did n't care. I contacted XXXX Tax Advocate for my area to see if there was a fee I could pay to expedite making transcripts available. There is not. This is a 6 to 8 week process and there is nothing I can do about it. He mentioned that XXXX XXXX should allow for stamped copy of the tax return

Company:
 showing it was filed in person. I went to the XXXX office and filed my taxes in person. I received a stamped copy showing they were filed. I advised AIMLoan and provided them a copy of the XXXX Stamped return showing it was filed. AIMLoan decided that this did n't meet their lending requirement. That they must be able to receive a transcript. Even though today is XXXX XXXX and 6 to 8 weeks is way past my loan lock and since Fed raised interest rates in XXXX


Product: Inc"
Subproduct: VA
Issue: 201XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 12/30/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,American Internet Mortgage


Date_received: 01/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: date of last payment is XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
There is a XXXX XXXX item on my Transunion and XXXX credit reports listed as " charged off as bad debt '' and showing a balance of {$280.00} and past due of {$100.00}. This account went into default in 2000


Date_received: 01/06/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company_public_response: like my social security number
Company: Date of Birth
Complaint_ID: Yes
Consumer_narrative:
Gatestone & Co. International XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX DE XXXX REF # XXXX XXXX Collection agency made contact with my XXXX father before even making a phone call to me. They asked him if he was XXXX XXXX ( An Authorized Person ), he said no. They proceeded to release all of the details of the debt, ways to make payments, and how he ( My Father ) could help me pay. They then disclosed that I was on XXXX with my employer, that they had contacted XXXX of my previous employers inquiring about my work status. I called them back and they tried to tell me that my father had answered all of the " security questions '' right


Product: Inc."
Subproduct: TX
Issue: 79762
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/12/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/12/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 12/31/2015
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Company_public_response: ma'am
Company: i 'm going to release this call if you dont let me talk ''. He was completely unprofessional
Complaint_ID: Yes
Consumer_narrative:
To whom it may concern : I am a Navient customer. Up until recently due to lack of communication, I have never been past due or late with a payment. I was on an interest only payment with XXXX that rolled over to Navient but then the arrangement ended. I was notified prior to that the arrangement would be ending and i was proactive with reaching out to see what other options there were. My interest only payments were {$85.00}. That then jumped up to {$210.00}. I was informed that in order to see what options there were I needed to not my a payment and call back after my due date of XXXX/XXXX/15, so I did. When I called back I spoke with countless representatives and supervisors all who said they needed my financial statement and my cosigners statement. Now, I have n't had any real communication with my cosigner for some time now but i sent an email to her with the hopes she would call back and complete the financial statement. I received an email back saying that she had done so. I called Navient back and spoke with XXXX XXXX ( id # XXXX ) on XXXX/XXXX/15 she informed me that she could send over a review for a 15 month program of {$160.00}. XXXX called me back on XXXX/XXXX/15 and left a message to call her back. When I called back XXXX told me that her XXXX denied the program due to no financial statement from my cosigner. I informed XXXX that the financial statement was completed and several other reps confirmed this info. XXXX placed me on hold, came back and confirmed the same info. With XXXX i set up automatic payments of {$160.00}. She informed me that the 1st three months are known as qualifying months to sure the manager I am able to make good on the payments, after the three months then the arrangement will start that 4th month. My first automatic payment came out on XXXX/XXXX/15. I waited a few days and called XXXX/XXXX/15 to figure out why my account showed past due. I spoke with a rep who informed me that after the qualifying months I would not show any past due balances. That rep placed me on hold and came back to say my programs was denied ( according to her supervisor ) I asked to speak with her supervisor. XXXX XXXX ( id # XXXX ) in the Delaware office is the info he gave me, was really short, rude and very disrespectful. I asked him for the corporate customer service number or address and he said he will give me the number to regular customer service and I can deal with them. I asked him to read me the notes on my account and he refused saying, " The bottom line is that we 're not lowering anything for you '' "" Ma'am


Date_received: 01/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: closed. I called XXXX XXXX who insisted they report correctly. As it stands now
Complaint_ID: Yes
Consumer_narrative:
I submitted multiple disputes with Experian regarding acct identifier : XXXX. This acct was closed in XXXX and was Paid in Full on XXXX. With every dispute the status of the acct got worse culminating in XXXX when this fully paid and closed acct showed up with an Open - Collection status which caused me to be denied for credit by XXXX ( inquiry on XXXX XXXX, XXXX ) due to " recent or current delinquency ''. Experian finally corrected the status of the acct to Paid

Company_public_response:
 Closed but NOT the Payment History where it shows a "" C '' mark for XXXX meaning the account is still in collection. This is contrary to the acct status of paid


Complaint_ID: Yes
Date_received:
12/31/2015,Credit reporting,,Incorrect information on credit report,Reinserted previously deleted info,XXXX credit services who is a XXXX party debt collector submitted an old account that was removed off my credit from XXXX due to it being past the staute of limitations in the state of Nevada. This was not on my credit until we we 're at the final steps of purchasing a home and they ran XXXX last credit report and this showed up. Obviously preventing my family from purchasing a home and has now left me in the position of having to possibly ask family members if we can stay with them

Product:
 uprooting my XXXX children from their school XXXX of which Has a XXXX. XXXX keeps transferring us to another company called vision. They hang up on us


Product: Inc."
Subproduct: GA
Issue: 31093
Subissue: Servicemember
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 12/31/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/31/2015,Student loan,Non-federal student loan,Can't repay my loan,Can't get flexible payment options,,,Navient Solutions


Product: in my opinion
Complaint_ID: Yes
Date_received:
A lack of visibility to Citi Payment Safeguard 's written review process, specific Terms & Conditions, as well as the additional requests for " proof '' of job loss above and beyond documentation from that of a state

Subproduct:
 ( 1 ) is not the most efficient manner to process customer claims in light of online research techniques that are available


Date_received: In addition
Complaint_ID: Yes
Product:
 I was asked to submit a copy of severance information or a bank statement as proof of job loss. This is inappropriate for ANY reason from a third-party vendor to request from a customer. Particularly


Complaint_ID: Yes
Date_received:
12/31/2015,Credit card,,Unsolicited issuance of credit card,,PayPal misled customers into signing up for lines of credit they never wanted In XXXX

Product:
 PayPal ( PYPL ) was ordered to refund {$15.00} XXXX to customers and pay a {$10.00} XXXX fine after the CFPB found the company had illegally signed people up for unwanted credit. Many who thought they were signing up for regular PayPal accounts unwittingly registered for lines of credit through the company 's lending arm


Date_received: 12/31/2015
Product: Credit card
Issue: Credit determination
Company_public_response: XXXX XXXX send a letter -- WE ARE UNABLE TO VERIFY PERSONAL DATA -- I call them XXXX
Company: they told me I need to update my phone with XXXX
State: and reapply
Complaint_ID: Yes
Consumer_narrative:
I apply for credit card " XXXX XXXX Credit Card Program '' from XXXX XXXX on XX/XX/2015 on the web XXXX/Decision from my local union


Date_received: On XX/XX/2015
Product: at approximately noon
Subproduct: I went to a Chase bank branch located at XXXX XXXX XXXX XXXX XXXX
Issue: XXXX XXXX
Complaint_ID: Yes
Subissue:
 NV XXXX. I was attempting to exchange a {$20.00} bill for XXXX roll of quarters. As I would not provide account information I was denied the exchange. The vice-president/branch manager XXXX XXXX told me this was Chase 's policy recently instituted. If that is true


Product: Inc."
Subproduct: NY
Issue: 10977
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 12/31/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
12/31/2015,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 01/06/2016
Product: Mortgage
Subproduct: Reverse mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
I am an attorney writing on behalf of my client, who has a reverse mortgage. He had been receiving regular monthly deposits to his bank account. His homeowner 's insurance lapsed by accident, the company placed forced insurance, he got his private insurance re- instated, and the company placed him on " repayment status '' for the period the forced insurance was in effect. So far


Date_received: 01/16/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: on my experian credit report it remains open
State: and after an investigation was performed
ZIP_code: the item was not changed
Complaint_ID: Yes
Consumer_narrative:
After a short sale on our home, a XXXX XXXX home equity loan was not forgiven. Though I tried to settle, I never received a response from XXXX XXXX. A couple of months ago, I called XXXX XXXX and was casually informed that XXXX XXXX decided to mark the loan settled in full and the balance owed is {$0.00}. However, they could not send me anything in writing confirming same. In addition, although the item is now reported as " closed '' on XXXX and XXXX

Company:
 as if there is an open balance. I asked wells to fix it and they have not. I disputed the item with experian

Submitted_via:
 and remains as an open balance. This item on my experian credit report is not allowing me to get approved for a mortgage. I feel I have done all I can


Product: credit charges on our visa cards
Complaint_ID: Yes
Date_received:
01/06/2016,Bank account or service,Checking account,Problems caused by my funds being low,,I have been with US Bank for over 13 years. I have both personal and business accounts with this bank. For sometime the bank would processes and update transaction at midnight and they would come through out bank account in the morning. Transaction included debits on our visa cards

Subproduct:
 checks and returns from others deposits and banking fees. I could log into my account in the morning and if my account was over drawn I could transfer money to cover these items. within approximately the last 6 months that bank is n't timely processing our account transactions any more. It is very costly to us and incurring more fees because the our scatter among a day or two full days after the transaction was processed. Even using my visa card the items come in 2 days after. Returns from customers are showing up two to three days later

Issue:
 causing additional fees to our account. They seem to also be processing items all at the end of the day right at closing time

Subissue:
 so as to not allow us anytime to cover anything and therefore cause additional banking fees to be able to be charge. I find this frustrating to say the least. I ca n't control some of this including the return deposits we get back however


Complaint_ID: Yes
Date_received:
Well XXXX did nothing for my cause so I wrote yet another email to the auditing and escrow I still have had no solution the departments at QL. The problem was they reported again ( lied ) that they paid my property taxes

Product:
 again this year they always have for the 3 years I have been with them. Ever since I have been with Quicken loans insurance agent has called me concerning payment when my insurance was due last year I had to give him a Echeck to keep my insurance from lapsing. I am tired of this from Quicken loans waiting until the last minute to pay insurance and escrow due. They add to the website I view to see my payments that it has been paid but it has not. One of the employees at QL did pass on to me that they use a 3 rd party vendor to pay all taxes and insurance


Complaint_ID: Yes
Date_received:
The last person I spoke to at QL again blew me off XX/XX/XXXX saying it would be fixed XX/XX/XXXX if the could get my money back from the 3 rd party vendor. Included with my XX/XX/XXXX payment was a note figuring out my new payments along with the deducted tax error I have never been late with my mortgage payments with QL


Subproduct: California ; XXXX. '' I have never lived in "" XXXX
Issue: California '' nor I have ever own a "" XXXX. XXXX XXXX '' in "" XXXX
Consumer_narrative: CA '' false address over 30 days ago
Complaint_ID: Yes
Date_received:
01/16/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,Today I received in the U.S. Mail a letter from "" Experian '' dated "" XXXX XXXX

Product:
 2016. '' Under the "" Address '' section of my "" Experian '' credit report it lists a false address of "" XXXX. XXXX XXXX ; XXXX

Subissue:
 California '' nor anywhere else in California! I am the victim of Identity Theft. I had written to "" Experian '' about "" Deleting '' this "" XXXX


Complaint_ID: Yes
Date_received:
12/25/2015,Debt collection,Mortgage,Communication tactics,Frequent or repeated calls,Ditech calls repeatedly on my home phone and our cells


Date_received: 01/16/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: the fact that interest rate and index is less than it has been
Company: and the amount owed on the house is half of what it originally was
Complaint_ID: Yes
Consumer_narrative:
I have a mortgage that is in bankruptcy. The court sends me paperwork from the company ( Ocwen Loan Service LLC ) and it quotes my monthly note as {$940.00} as of XXXX/XXXX/XXXX. The quote also list my previous note ( for the last six months ) as {$1200.00}. In XX/XX/XXXX I received a quote from OLS stating that my note will be {$1700.00} beginning on XXXX/XXXX/XXXX and that was the note the six months prior ( that they had previously stated was {$940.00} ). This might not be serious to you, but according to my previous complaint, this is what happened last time when Ocwen decided to do XXXX mathematic and tried to take my house. I thought that we had gotten a good understanding since I was forced to go back into bankruptcy to save my house. I have truly struggle trying to save my house that I only owe {$33000.00}, despict the fact that prior to writing to the banking authority they had me owing {$67000.00}. Even though I owe less principal than I have ever owed, the company is requiring that my note is more than it ever have been. That note is almost impossible for me to pay. I have spoke to the insurance company and they have gone from {$2500.00} to {$10000.00} deductible. They took off the term " replacement cost '' and the house is being insured for regular cost of {$130000.00}. The insurance company is in the midst of refunding part of the money that the company has paid for insurance. However ; even with the additional cost of insurance


Subproduct: XXXX
Complaint_ID: Yes
Date_received:
01/07/2016,Credit card,,Billing statement,,I am a long time client of Citibank ( 28+ years ) and consider myself proven to be dependable and responsible. I had a debit card for MANY years that accumulated miles with every purchase. Citibank discontinued the program so I applied for an XXXX XXXX credit card with Citibank so I could continue to accumulate miles. The card was issued approximately 2-3 years ago. The card is attached and linked to my Citibank online hub. As I began using the card

Product:
 the charges regularly ran a balance around $ XXXX and I typically paid a few XXXX before a due date. I paid thru my Citibank online link or occasionally thru the phone with Citibank. I was never stopped from charging and was often up to {$10.00}


Date_received: Recently
Consumer_narrative: and said she had to read a disclosure before transferring me to a credit person
Company_response: right or wrong. It 's like being put in jail for a crime you did not commit! I would add
Timely_response: not at any time was any representative impolite
Complaint_ID: Yes
Product:
 I applied to refinance my home loan and my credit score was crucial to obtaining an affordable loan for the next 30 years of my life! After the loan company ran my credit we discovered a weird idiosyncrasy on the credit report. It showed a {$5000.00} payment due on the XXXX credit card. This was impacting my score and the debt to income ratio in a big way. I called Citibank XXXX customer service to see what it meant as my online hub showed NO payment due

Subproduct:
 a {$12000.00} available credit and my balance was {$8900.00} (? ) huh? After much investigating with the rep ( she did n't get it either ) we thought it best to increase the credit limit. I explained in GREAT detail to the rep that I was refinancing and I 'd like to show an amortized payment or somehow correct the inconsistency ( we discussed this over and over )

Issue:
 I was QUITE clear in at least XXXX comments that I DID NOT want my credit run but was there some way I could speak with the credit dept. if they could grant an increase so the large payment would not be reflected

Subissue:
 thereby affecting my ratios? But not by pulling my credit. She seemed very understanding of my plight ( XXXX from Maryland ) she asked my income and mtg. payments etc.

Company_public_response:
 I replied no problem as long as my CREDIT WAS NOT PULLED. I was crystal clear. When I got to the credit person ( XXXX )

Company:
 I explained my plight again and asked if there was anything that could be done without pulling my credit? Wherein she informed me my credit had already been pulled!!!! WHAT???? Unbelievable. I was then informed I had no spending limit but a credit limit

State:
 what does that mean? And then was why there was a $ XXXX payment due but my Citibank hub showed no payment due? After much talking she got me together with XXXX from Kentucky and I explained they pulled my credit WITHOUT my permission and to listen to my conversations. She tried to get me to the manager but no one picked up

ZIP_code:
 she said she would call me as late as XXXX after listening to the tape. I did receive a call late where she acknowledged how many times I stated not to pull my credit and that XXXX would be strongly reprimanded but since she read the disclosure they would not contact the credit company to rescind the pull! I was incredulous and stupefied- There was much more to the conversation and ultimately she hung up on me mid-stream! This is NOT RIGHT

Submitted_via:
 neither the way the credit card information appears & especially that I unequivocally did not give permission to run my credit but they ran it anyway. If it was by mistake and they correct it - OK

Date_sent_to_company:
 but instead they are defending their mistake via a statement that I responded to with DON '' T PULL MY CREDIT. Not legal in my opinion. A credit score 's part of survival today and if we have no control of what is reported


Date_received: 01/16/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: I had a hard time logging on their website which was not there "" normal '' Chase Bank website
State: the bank and myself
Complaint_ID: Yes
Consumer_narrative:
Back after XXXX/XXXX/XXXX ( XXXX ) I had received an email that I thought it was amazon.com where it looked legit saying that they wanted my name, credit card information and my social security number. Then on XXXX/XXXX/XXXX at exactly XXXX., I had received a fraud alert from Chase Bank saying that there was {$21.00} taken out at a computer software store. So the bank has blocked my credit card for security purposes. Chase Bank had disputed for unauthorized purchases that was not made from me. XXXX of the unauthorized purchases was from XXXX for the amounts of {$20.00} and {$3.00} that was made on XXXX/XXXX/XXXX. XXXX was from XXXX at a computer software store ( unkown merchant and location ) for the amount of {$21.00} that was made on XXXX/XXXX/XXXX ( {$100.00} in total ). Chase Bank had put the unauthorized transactions back into my account where the merchant also put {$56.00} back in my account. Then on XXXX/XXXX/XXXX, Chase Bank " supposedly '' written on emails. Unfortunately

Company:
 but there "" claims department '' website. Without any warning and and hardly no communication between the merchant

ZIP_code:
 Chase Bank had the audacity to reverse the credit of the amount of {$56.00} out of my bank account on XXXX/XXXX/XXXX which almost put me in the hole and in the red. I had tried to dispute the bank due to lack of communication within the merchant as well as the bank. So now Chase Bank had penalize me for their mistake for not pinpointing the "" mistake '' from the beginning. This was not the Merchant 's falt


Date_received: 12/25/2015
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Complaint_ID: Yes
Consumer_narrative:
My sister started receiving calls from a placed called Summit Receivables ( XXXX ) regarding a undisclosed debt on XX/XX/XXXX. After receiving a message from my sister I contacted the number above. When I called they would not identify the debt in question. They tried to ask for my ssn to look up the supposed account. I did n't give it to them. I had to call back a few times because the people would yell at me and hang up the phone.. Whenever I would request some sort of debt validation. They never identified the debt over the phone nor did they send any letter of validation after I contacted them. I also reviewed my credit and I do n't see any collection activity from Summit Receivables. My sister contacted me again the other day stating that she is still receiving call from them even though I called them from my number. She said that now they are claiming it 's in regards to " her debt. '' they might be contacting my dad as well


Product: without tracking
Complaint_ID: Yes
Date_received:
The worst part is XXXX XXXX and Scottrade Bank did not allow me to transfer my funds out myself and instead put me in the backseat while their back office took over 6 weeks to print a check and send it


Complaint_ID: Yes
Date_received:
01/16/2016,Credit reporting,,Credit reporting company's investigation,Problem with statement of dispute,I am at my wit 's end with disputing with the bureaus. I have already made complaints regarding the fact that the bureaus DELETED accounts that I was only asking for verification on the late payments and they will not put them back when it was their error. There were also XXXX accounts that I disputed in error and they removed them ; when I asked for them to re-add them they stated that they would not and will not add information given by 3rd parities. I sent them the proof that it was on my file in the first place and they still will not add them back to my file. I also have XXXX derogatory accounts remaining on my file that they continue to say are "" verified '' when I know that they are not. Not only that

Product:
 but they have failed to provide documentation legally verifying those XXXX accounts as required under sections 1681


Product: insurance premiums
Complaint_ID: Yes
Date_received:
( 3 ) "" Escrow account '' means an expense or escrow account which tends to protect the security of a loan by the accumulation of funds for the payment of taxes


Product: as published by the Federal Reserve in "" Selected Interest Rates ( Daily ) - H.15 ''
Complaint_ID: Yes
Date_received:
( b ) ( 1 ) A lending institution which lends money secured by a first mortgage or first deed of trust on any interest in residential real property and creates or is the assignee of an escrow account in connection with that loan shall pay interest to the borrower on the funds in the escrow account at an annual rate not less than the 6-month average dealer bid rate on nationally traded certificates of deposit


Product: Inc."
Subproduct: TX
Issue: 77017
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/12/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/12/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,Company disputes the facts presented in the complaint,I.Q. Data International


Complaint_ID: Yes
Date_received:
I need help to get the Nationstar bank to recall the "" Notice of Default '' in direct violation of the "" CA Homeowner Bill of Right ''


Date_received: The letter states that a " Notice of Breach '' was sent on XXXX XXXX
Complaint_ID: Yes
Product:
 2015 stating that I had to pay {$830.00} to cure the loan. Five days prior to the date of the letter I had already sent in a payment of {$820.00} via XXXX and then on XXXX XXXX

Subproduct:
 2015 I sent an additional payment via XXXX for {$640.00}. These XXXX payments were made well before the cure date stated in your correspondence which was XXXX XXXX


Date_received: In the response letter to the CFPB complaint that I placed
Product: it is mentioned that I was refunded the {$800.00} payment that I made in XXXX 2015
Complaint_ID: Yes
Subproduct:
 the {$700.00} payment that I made in XXXX 2015 and the {$710.00} payment that I made in XXXX 2015. The letter states the {$800.00} and {$700.00} payment were returned to me via ACH transfer


Product: LLC"
Subproduct: NC
Issue: 282XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 01/16/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,Village Capital and Investment


Date_received: 01/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company_public_response: a firing range in XXXX
Complaint_ID: Yes
Consumer_narrative:
Revisiting the XXXX previous complaints against American Express Bluebird, they did credit my account for XXXX of the unauthorized transactions they have since decided that XXXX transaction was authorized the transaction in question is for " XXXX ''

Company:
 I do not own guns I do not LIKE guns I do not want to be around guns so the assertion is I stopped by and donated XXXX to a firing range is ridiculous and the representatives reason it was authorized was direct quote "" the merchant said it was authorized '' I am the card holder it is my money I spend the money I did not and would not spend the money at a shooting range thus I did not authorize the transaction and since I am promised no liability for unauthorized transactions I can not be charged for XXXX to a firing range since I did not authorize said transaction. Further the representative told me my account is PERMANENTLY locked and will not be unlocked and none of the remaining funds will be returned I mentioned my direct deposit goes into the account and he said no funds will be released to me and clarified upon reiteration that they will still allow the deposit to clear so basically they are stealing my remaining funds ( including the check I initially called to do a stop payment on ) and he confirmed the existence of the long denied american express XXXX and that I am now on it and wo n't ever be allowed to open any account with them again pretty sure all of this is against not just state law but federal banking regulation. I then asked how it was investigated and was told they do n't have to release that information and are not going to because it is investigated by a "" back office '' team who has no phone and apparently works out of some sort of dungeon in XXXX or wherever my money is going. This is apparently the normal response to anyone disputing fraudulent transactions as a simply XXXX search returned tons of other people who had very similar experiences. I then asked him to define the word authorized or investigation he declined to do other told me basically your money is gone and so is your paycheck next week and get over it. I have bills to pay that ca n't wait the 15 days it takes these people to respond to complaints and I am sure they are just going to respond and say they can do what they want when they want because no one is going to stop them and even the CFPB is going to not take any sort of regulatory action against them again and Ill just be out money maybe I should contact the media ( consumerist


Product: Income
Complaint_ID: Yes
Date_received:
01/07/2016,Mortgage,VA mortgage,Credit decision / Underwriting,,I applied for a VA cashout refiance mortage loan from Freedom Mortgage on XXXX/XXXX/XXXX for my home in XXXX MD. Credit


Product: because of consolidation. There should only XXXX reportings. Also
Subproduct: Experian does not put full account numbers on my fed loan servicing accounts
Consumer_narrative: ( fedloan servicing XXXX-open date XXXX & XXXX acct # XXXX )
State: that 's why they are double reporting. I have disputes these accounts several times
ZIP_code: with detailed disputes
Submitted_via: & Experian continues just to verify name
Date_sent_to_company: date if birth
Consumer_disputed: again does a horrible job
Complaint_ID: verifying detailed disputes
Date_received:
01/16/2016,Credit reporting,,Incorrect information on credit report,Account status,Experian continues to duplicate report my student loan on my report. XXXX loan has XXXX reportings

Issue:
 when the base account numbers are the same ; so they ca n't differentiate when I send a detailed dispute

Subissue:
 because I am unable to differentiate between the XXXX accounts. Experian continues to allow the base student loan accounts

Company_public_response:
 to be reported as delinquient ( payment history & account history ) even though the consolidation paid them in full. Both XXXX accounts

Company:
 should not be reporting on my credit report any longer because they are not the original creditor or the current account holder

Company_response:
 etc. No specific account information is verified as correct. I only had XXXX loan for XXXX which was consolidated once. So I should only have XXXX accounts reporting on my credit report

Timely_response:
 not XXXX. Experian reps continually state they as a company have no lawful obligation to report correct information. Experian


Date_received: 01/12/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Managing the loan or lease
Company_public_response: suggest
Complaint_ID: No
Consumer_narrative:
XX/XX/XXXX I leased a Nissan Leaf ( all-electric vehicle with an XXXX mile range per charge ) from XXXX Nissan for a 3 year term. In XX/XX/XXXX my wife filed for divorce and I decided to move to Oregon. Driving the car to Oregon was out of the question. My attorney requested I find what the " walk-away '' value of the lease would be. In XX/XX/XXXX the dealership calculated the final lump payment to be {$6200.00}. In XX/XX/XXXX I requested information from the dealership on how to return the vehicle. I was instructed to contact Nissan. I did so and was first referred to an independent evaluation service who determined the vehicle in excellent condition for return. I took the vehicle to the dealership and completed the transfer. I was told I would receive a certified letter within XXXX weeks from XXXX with the final payoff amount. I never received that letter. In XX/XX/XXXX I received a call from Nissan accusing me of being 2 months past due on my lease payments. I told them I had returned the car but they claimed they had no record of it being returned. I called the dealership who confirmed it had been turned over to XXXX in XXXX. I called XXXX again and was referred to their "" Concern Department '' and told an investigator would be put on the case and I would hear back within a few days. I never heard from them again. XX/XX/XXXX I received a document from Nissan dated XX/XX/XXXX that listed the vehicle as "" repossessed '' and that I owed {$19000.00}. I called Nissan and was transferred to an individual by the name of XXXX. He was obnoxious and condescending in his attitude and response. He insisted the dealership should have told me the car would be classified as "" repossessed. "" I told him that not once in the entire process did anyone ever disclose

Company:
 or warn that turning in the car it would be considered as repossession and that on multiple occasions I was told the pay-off would be in the {$5000.00} to {$6200.00} range. XXXX then asked why I had n't made a final lump sum payment the day I turned in the vehicle. I replied I was instructed by the dealership to wait for a certified letter. XXXX declared that Nissan did n't want the car back and that I owed them {$19000.00}. I asked if there was someone else I could talk to and he told me to talk to the credit bureaus and to my attorney. I tried to contact the General Manager of XXXX Nissan but he never returned my phone call. I followed all the steps I was instructed to follow but now in XX/XX/XXXX


Product: misrepresented
Issue: concealing
Company_public_response: false statements
Complaint_ID: No
Date_received:
I ask that the dealership and Nissan be investigated for unintentional negligence because they misled

Subproduct:
 or concealed material facts pertinent to the surrender of my leased vehicle. They failed to warn me of any negative circumstances or damage to my credit as a result of returning the vehicle. For constructive fraud because they were careless and negligent in misrepresenting

Subissue:
 and making false statements regarding the status of my surrender of the leased vehicle. They "" lost '' the vehicle

Consumer_narrative:
 then "" found '' it and subsequently classified my return as a repossession is an attempt to cover up their own mismanagement of the return. And for actual fraud due to intentional concealment of material facts


Date_received: 12/15/2015
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Indicated shouldn't respond to lawsuit
Company_public_response: both State and Federal Debt Collection Practices Laws
Company: has acted in countless Frivolous Collection Attempts
Complaint_ID: Yes
Consumer_narrative:
I am fraudulently being sued in XXXX courts by the same company known as " Midland Funding LLC. I believe they have violated the Fair Debt Collection Practice Act


Product: what company they were representing
Complaint_ID: Yes
Date_received:
7 ) Their countless phone calls over the years to my phone and to the phones of my family they have refused to state who they were


Date_received: FRAUDULENT DOCUMENTS : 8 ) They never served me legal documents
Product: ( XXXX ) "" Seizures for Property ''
Subproduct: XXXX ( XXXX ) "" Seizures for Property ''
Issue: ( XXXX ) "" Writs of Garnishments-Income Taxes ''
Consumer_narrative: which they were not
Complaint_ID: Yes
Subissue:
 "" Notice of Judgment Lien Filed "" but then submitted fraudulent "" Proofs of Services '' that the Summons and Complaint and all documents were Personally Served to me


Product: even though he has not been
Subproduct: so that the Defendant ( me ) can not Defend himself
Issue: they get a Default Judgment because the Defendant is unaware of court documents and court dates
Complaint_ID: Yes
Date_received:
9 ) I have proof that Midland Funding LLC submits fraudulent Proofs of Services to the Court many times that I was served and then does not send me the documents until many months later that they claimed were served many months prior. I have the post dates of their delayed mail envelopes to show this fraud that they have done with the Court. These people are professional scam artists and they need to be stopped. They fraudulently claim on court documents that the Defendant has been served


Product: because they said they could n't verify a debt
Subproduct: and asked for proof of letter. This resulted in a related claim XXXX. However
Complaint_ID: Yes
Date_received:
01/12/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,This is concerning Complaint XXXX and another XXXX. I disputed this resolution

Issue:
 I got an email stating that the CFPB could not send the complaint because they could n't find the company. I find this hard to believe


Subproduct: to later transactions ( with 0 % interest ) rather than earlier ones
Complaint_ID: Yes
Date_received:
It has always been my understanding that with credit cards in general, and under the account I hold with Discover card, payments are to be applied to earlier transactions before later ones, to higher-APR balances before lower ones, and to purchases before balance transfers. According to their own interactive guide on the Cardmember Agreement : " Each billing period

Product:
 we will generally apply amounts you pay that exceed the Minimum Payment Due to balances with higher APRs before balances with lower APRs as of the date we credit your payment. '' Yet it appears that my payments have been consistently applied to 0 % balances instead of higher-rate balances

Issue:
 and to balance transfers before interest-earning purchase balances. This appears to be contrary to the cardmember agreement


Product: the remaining promotional balance was added to the account as a new transaction
Subproduct: even though it was n't a new transaction. But even apart from that
Subissue: and not to EARLIER purchase transactions
Complaint_ID: Yes
Date_received:
One way that they did this as you can see from the statements is that whenever a promotional period expired

Issue:
 my payments - which were always over and above the minimum and never late or in default - were consistently and entirely applied towards reducing only 0 % promotional balances


Date_received: 01/07/2016,Consumer Loan,Vehicle loan,Problems when you are unable to pay,,Today ( XXXX XXXX
Product: XXXX ) at XXXX
Subproduct: I stopped at the Wells Fargo branch at XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Issue: CA XXXX. Upon attempting to make a payment for my auto loan
Consumer_narrative: XXXX in XXXX and XXXX as recent as XXXX XXXX
Company_public_response: XXXX. They keep the payment date rolling for as to which month my payment applies to
Company: to tip the scales into their favor in order to seize my car
Complaint_ID: Yes
Subissue:
 I was informed that the loan had been closed. I then called Wells Fargo Dealer Services at XXXX and I spoke to an agent on the phone at XXXX. The agent informed me that the loan had defaulted due to 120 days past due. I have made XXXX payments in the past 120 days

State:
 which is worth approximately twice what I owe ( repo incentive ). I then asked the agent if the car had been put out for repo

ZIP_code:
 to which he initially declined to comment on. I was not contacted by WFDS with any kind of notice or alert to the account


Product: I headed to a Wells Fargo branch in XXXX XXXX
Subproduct: NV to open a personal bank account
Complaint_ID: Yes
Date_received:
The ill-fated relationship with WFDS began in XXXX XXXX when I lost my job. That was the first time since taking on the loan ( XXXX XXXX ) that I had missed a payment. WFDS began to harass me with calls. The specific gentlemen who launched this campaign goes by the name XXXX. By XXXX

Issue:
 during which I asked the branch manager to call WFDS on my behalf to get the amounts I need. I explained the phone harassment and my lack of confidence in wanting to call them to settle it myself. I was able to pay the amounts once I knew them

Subissue:
 and I also requested a copy of the loan through the branch manager. They were going to fax her XXXX and they never did


Date_received: In XXXX XXXX
Product: I began receiving calls again from WFDS
Subproduct: often making my phone ring no less than twice a day- and if I picked up
Subissue: I spoke to the highest person
Consumer_narrative: XXXX. I explained how harassed I felt
Complaint_ID: Yes
Issue:
 most of the time they would hang up. I saved the number in my phone since they called so frequently. In fall XXXX

Company_public_response:
 but specifically the low-talking gentleman named XXXX. She promised that XXXX would never call me ever again


Date_received: On XXXX XXXX
Product: XXXX XXXX
Subproduct: XXXX
Issue: I was treated the most disgracefully up to date. I was immediately harassed by
Subissue: not XXXX
Complaint_ID: Yes
Consumer_narrative:
 but XXXX separate agents in XXXX separate phone calls. I then explained how XXXX payments had been made and I was told that they could n't find it

Company_public_response:
 it 'had n't shown up in their system. After XXXX minutes of going back and forth they caught the mistake ( and I believe got XXXX involved ) and explained that XXXX of the payments had been applied to the principal

Company:
 and I had now been hit with a late payment penalty! I 've never gone through such a hard time to prove that I was being truthful


Date_received: This message has been significantly truncated
Subproduct: XXXX
Issue: XXXX
Subissue: XXXX
Company: I just believe that even if I lost
Complaint_ID: Yes
Product:
 but I have more noted instances of harassment and targeting by numerous agents at Wells Fargo Dealer Service ( XXXX/XXXX

Consumer_narrative:
 and more ). There are many people close to me that are aware of my distraught relationship with Wells Fargo Dealer Services and how much anger and anxiety they cause me

Company_public_response:
 to the point where I am willing to get an attorney involved if it can be done at a reasonable retainer. I am not seeking to win judgment

State:
 I would be vindicated by deposing all Wells Fargo Dealer Services agents and staff under oath and playing all phone recordings before a judge. There are always biased instances where customers are upset at a company. In my case


Product: hence
Complaint_ID: Yes
Date_received:
Here are some of the notes listed on their website : " Enjoy all of these benefits for {$75.00} Annual Fee "" and the Bonus nights are listed as a benefit for paying the annual fee


Date_received: 01/07/2016,Mortgage,Conventional fixed mortgage,Loan modification
Product: collection
Subproduct: foreclosure"
Complaint_ID: Yes
Subissue:
I have had a mortgage with greentree for 20 years, and it 's been a nightmare with threats to come to my home move me out if I did n't get my payment in and will sue me, next thing i know I had thousands of dollars added to my mortage. Threats at my boys : they Told my boys " they are losing there home need find place to move


Date_received: Greentree sold my home behind my back when they said I was finally approved for deferral
Subproduct: missing work XXXX ) from years of abuse from greentree.I have worked all my life
Issue: I had XXXX good jobs
Complaint_ID: Yes
Product:
 next thing I get was a letter telling me to vacate home. I have my son and grandson ( XXXX ) living with me I have been verbally abused threaten and put under extreme pressure ( XXXX

Subissue:
 but with 20 years of declining work force ( which I did n't create ) I fall behind on mortage. Greentree lie and deceived me and should be shut down. Now I have to scrap up money to get a lawyer to help me stop the sheriff serving me papers to vacate. Greentree has billed me XXXX for attorney fees court ect. I was only XXXX behind when I started mofication


Complaint_ID: Yes
Date_received:
01/07/2016,Bank account or service,Checking account,Deposits and withdrawals,,Wells Fargo bank engages in punitive practices by not accepting bank transfers into checking or savings

Product:
 from other banks UNTIL the close of business on a day when the transfer bank shows the money has been successfully transferred out. This results in penalizing the consumer with Insufficient Funds fees to primary checking


Complaint_ID: Yes
Date_received:
12/26/2015,Other financial service,Debt settlement,Excessive fees,,I was enrolled in a program XXXX XXXX XXXX through a company I saw in the XXXX XXXX. The company I saw was Financial Rescue LLC owned by XXXX XXXX. He promised us that our problems will go away if we enroll in his program

Product:
 the said company XXXX XXXX XXXX XXXX. We did not know he is also the owner of this company which had their negotiators in the XXXX. Without hesitation we entered into this program but after half a year of paying the monthly program found that most of the money we were paying is going into his fees. It seemed that we are headed nowhere so I cancelled the program and asked for our money back. As I ready into different articles about his program

Subproduct:
 we found that it was illegal for him to collect such fees in advance without having provided any settlement service. When I wrote to him about this

Issue:
 I received a letter from an attorney XXXX XXXX who told me that my understanding is wrong and that he was entitled to those fees and did not have to refund them. With this


Date_received: 01/12/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Complaint_ID: Yes
Consumer_narrative:
I regularly use Chase Bank 's ATM and Branch deposit services but today I decided to try out their Chase Mobile phone app to deposit a check. With all three services the wording is nearly identical on any disclaimers. Essentially " deposit by the cutoff time and your deposit will be processed that day. Funds will be made available within 24 hours. Any holds placed on the account can affect funds availability. '' With both ATM and XXXX deposits

Company_public_response:
 courtesy funds are made available to the account until the checking funds come through. This is not mentioned anywhere on the deposit slips but has happened every time I have ever deposited via ATM or Branch over the course of several years. There is nothing to indicated when depositing a check through Mobile that it is different from ATM and Branch deposits and courtesy funds are NOT made available. In addition

Company:
 if you should decide ( say because you are mad about the deception around courtesy funds ) to cancel the deposit

State:
 you 'll then learn that you can not cancel deposits placed via Mobile. Again nothing prior to placing the deposit via Mobile mentions these sharp differences between Mobile and ATM or Branch deposits. ( No courtesy funds


Date_received: 12/31/2015
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: when he came back with the booklet ( Deposit Account Agreement )
State: "" Oh
ZIP_code: I was confusing the terms
Submitted_via: but I can easily check a box to change that. '' I said
Date_sent_to_company: "" I do n't have to do anything else? '' and he said
Complaint_ID: Yes
Consumer_narrative:
I went to BMO Harris to open an account on XXXX/XXXX/2015. When I inquired about overdrafts, the personal banker XXXX XXXX was confusing the opt-in and opt-out terminology. He stated that opt-out meant my overdrafts would be paid. He said everyone was opted out automatically and they could change to opt-in and not pay overdrafts. I said, " Really at XXXX they said opt-in meant paying overdrafts. '' I finally forced him to find me a copy of the account terms and conditions he was making me acknowledge receiving. He had no idea what I was requesting and tried to tell me the signature card page I signed was the Deposit Account Agreement and then tried to say the pricing schedule was it. I was persistent that there were additional account terms he had n't provided and they likely called it a handbook. He ran to a different area of the branch to look for one. Why are n't the account opening disclosures available at the desk where they make you open an account? Why does n't the personal banker know what the account agreement is? Finally

Company:
 I quickly flipped to the overdraft section and showed him the page on overdrafts. I read him the line that said opt-in meant paying my overdrafts and I wanted to be opted in. He said


Complaint_ID: Yes
Date_received:
I went to close my account on XXXX/XXXX/15 the Service Manager XXXX XXXX told me that I would be charged a fee if I closed my account

Product:
 but I could talk to a banker to see about waiving the fee. I explained I was closing my account because they were n't complying with the regulations. The supervisor did n't care to ask what the violation was and he refused to let me withdraw the {$100.00} that was in my account. I was forced to go talk to the same banker who does n't understand overdrafts to get the account closing fee waived and then go back to the teller line to wait for a cashier 's check. I deposited cash and asked for cash to be returned to me


Subproduct: when I point out their noncompliance and my desire to close my account
Complaint_ID: Yes
Date_received:
I think this is a problem that has impacted several other customers. The personal banker does n't give out the deposit account agreement unless a person is forceful like I was. He tried to tell me the XXXX page "" Individual Signature Card '' was the agreement. Even after I read the sentence about acknowledging receipt of the Handbook

Product:
 he was unsure for what I was looking. Neither the personal banker nor the call center agent and XXXX understand what the required process is to comply with the Regulation E overdraft regulations. Then


Product: Inc."
Subproduct: AZ
Issue: 85308
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/05/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/31/2015,Debt collection,I do not know,Disclosure verification of debt,Right to dispute notice not received,,Company believes it acted appropriately as authorized by contract or law,RGS Financial


Date_received: My claim started XX/XX/XXXX
Subproduct: and I believe in doing the right thing
Complaint_ID: Yes
Product:
 and I have had a difficult time coming to grips with the result of part of the outcome since. I am an honest hard working person


Product: on more than one occasion
Issue: but she never responded to my email. Sometime after this
Subissue: I think XXXX
Consumer_narrative: I contacted an old co-worker that is currently employed with Bank of America
Complaint_ID: Yes
Date_received:
I will try to make this short as I can. I had XXXX equity checks stolen from me XX/XX/XXXX totaling {$6000.00} of which {$3000.00} was returned back to me from Bank of America. Bank of America ( XXXX XXXX V.P. ) has refused

Subproduct:
 to reimburse me for Check number XXXX for {$3000.00}. I emailed XXXX XXXX on XX/XX/XXXX sincerely asking for her to reconsider. I waited for a while


Date_received: XXXX contacted me
Subproduct: from what I understand
Issue: and again I was denied reimbursement. From XXXX
Subissue: I was told that the bank ca n't catch everything
Company_public_response: because I had taken this as far up as I could. I hate to admit it
Company: but I was not very nice to XXXX after hearing this. This is just wrong. I felt
State: and still do
Submitted_via: the comment I received was
Complaint_ID: Yes
Product:
 and I faxed her copes of my information. XXXX followed up with XXXX XXXX and the bank 's legal department

Consumer_narrative:
 and I was 21 days late in catching "" THE BANKS ERROR ''. The banks error began when the bank teller cashed these checks and did not even question them or compare the signature to the one that is on file from me. XXXX also told me that there was no need in me trying to get my money back again

ZIP_code:
 that I was stolen from once again. I even called the Solicitor 's Office here in XXXX. When I told the Solicitor my story ; I was asked which bank it was. When I said Bank of America


Date_received: I was in one of Bank of America 's branches recently
Subproduct: I know the bank has its policies
Consumer_narrative: and it is wrong. I suppose this is why I am so persistent
Complaint_ID: Yes
Product:
 and I was getting help from the bank 's VP. I was telling her about my situation and she suggested that I write you. She told me that you are a nice and understanding man. XXXX XXXX

Issue:
 but 21 days late in catching the banks error. These 21 days cost me {$3000.00} that XXXX XXXX knows was fraud

Subissue:
 but she could care less because it is n't her loss. I am your average everyday person and {$3000.00} is a whole lot of money for me to just throw out the window. It is fraud


Product: cybersecurity
Subproduct: and basic customer service. In fact
Subissue: when Scottrade was informed by employees and security experts of their cybersecurity failures
Complaint_ID: Yes
Date_received:
If there is anything to take from this, it is that Scottrade 's operates a very " discount '' brokerage and omits basic tenants of good faith

Issue:
 in appears Scottrade 's only concern in this matter was how to bury the situation with the least amount of money burnt. And this goes to the heart of the issue. In XXXX and XXXX


Date_received: 01/16/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company_public_response: when I went to mail a check
Company: the account was in a past due status. On the payment coupon I recieve every month
State: there is no "" principal only '' option
Date_sent_to_company: but I believe my credit history has still been negatively effected. If I did n't say anything
Complaint_ID: Yes
Consumer_narrative:
The bank ( Wells Fargo ) mistakingly applied a home equity line of credit payment to " principal only '' instead of interest and principal. The next month

ZIP_code:
 so someone at the bank decided on their own that I must want my account to lapse into past due status. As a result

Submitted_via:
 my HELOC account was placed on restricted status and negative information may have been reported on my credit history. It was completely the bank 's mistake. They offered to retroactively fix it


Complaint_ID: Yes
Date_received:
01/16/2016,Credit reporting,,Unable to get credit report/credit score,Problem getting my free annual report,I get a message that Equifax is unable to deliver my credit report on line. I have used the same e-mail address for 20 years. This began 3 years ago. I do not want to mail in my request. When I call


Issue: XXXX
Complaint_ID: Yes
Date_received:
The Huntington would not provide anyone with the accurate pay off balance and even after being contacted by the attorney handling the sale

Product:
 would not provide any information to anyone. They filed a lawsuit to foreclose on the property on XXXX XXXX

Subproduct:
 when the property was sold on XXXX XXXX. The purchase was made in person to the Huntington Mortgage office located at XXXX XXXX XXXX

Subissue:
 Ohio XXXX I have received harassing telephone calls from Huntington Mortgage and they STILL would not provide the me the information necessary to dispose of the property. On the advice of cousel


Product: Inc."
Subproduct: NJ
Issue: 07657
Consumer_narrative: N/A
Company_public_response: Phone
Company: 01/07/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/07/2016,Credit reporting,,Incorrect information on credit report,Personal information,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 01/16/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
State: I tried to log in again
Complaint_ID: Yes
Consumer_narrative:
I have repeatedly been asking Experian to " investigate '' false information on my credit report. They are not investigating anything because they keep "" verifying that it 's correct ''. It 's not correct and if any actual investigation was done

Company_public_response:
 they would know that. All the other credit bureaus removed the inaccuracy with little to no problem. There is no valid phone number for experian unless you want to buy something from them. They will give you a secret phone number that supposedly works if you buy a report or product

Company:
 but I do n't want to buy anything. I want them to do their job. Do they get paid to pretend I have bad credit? Why do they go out of their way to NOT fix errors? Kickbacks from the banks for charging higher interest rates than I should have? I was on their website this morning filing yet another a dispute request ... the webpage stopped working in the middle of the process ... I have no idea if it even went through or not. So


Date_received: 01/16/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
I recently moved from my previous home of 4+ years to another city in Michigan . I acquired a different home area code and phone number. I moved from a home to an apartment in XXXX, 2015. Since acquiring a new phone number, I started receiving voicemail messages from a debt collector called Portfolio Recovery at XXXX. I received the messages daily, until XXXX day I was at home ; I picked up the line. The representative stated that they were a debt collector attempting to collect debt from someone who has my name. Note : I have a common first and last name. The representative asked if the last XXXX of my SSN number was XXXX. I told her no, and did not provide her with the correct last XXXX of my SSN. She apologized and said she must have the wrong person, and stated that they would remove my number from their call list. That was approximately one month ago. I received a call again today from the same company, and I picked up the line. She said and requested the same information as the last rep., but this time she requested that I confirm a completely different last XXXX of my SSN than the other rep. I told her the number she provided was NOT the last XXXX my SSN. She told me her company will stop calling because they obviously had the wrong person. I told her that 's what the last rep. said. I became irritated and felt I was being harassed. I work extremely hard and am a very responsible citizen! I do not need stupid debt collectors calling me with false information! This a company who are clearly phishing needs to be stopped. The last rep. said I was " cutting her off '' and that 's when I got louder and extremely upset. She was yelling and trying to over talk me. I have every right to yell at someone who is accusing me of something that is not mines or did not do. I am disappointed that these people are harassing innocent people. Again


Date_received: 12/31/2015
Product: Credit card
Issue: Advertising and marketing
Company_public_response: I can not get my triple rewards points toward another hotel stay
Complaint_ID: Yes
Consumer_narrative:
I went in to XXXX to view hotels for the night XXXX. The prices were a bit on the high side, but I saw an advertisement for a Chase Co-branded card that advertised a statement credit of {$50.00}. The advertisement showed the price of the room I was interested in booking, the statement credit, then showed the price of the hotel room with the statement credit applied. This made more sense to my budget, when coupled with the promise of triple rewards points, and the price of the hotel going toward {$1000.00} in spend needed to get me to the XXXX free hotel rooms ( which I could use toward my upcoming honeymoon ), it made more sense. I applied and was approved for the credit card. When I clicked to return to the booking phase of my hotel purchase, it did not apply my hotel purchase to the credit card, no account number. I called into cardmember services who informed me that there was nothing that they could do. They suggested that I call back the next day and maybe the employees could help me call into XXXX to book the room. I did, and they did not. Multiple employees told me " this happens all the time with our partner cards. '' I feel that this is deceptive marketing. I am not getting the statement credit applied toward this purchase as the advertisement led me to believe

Company:
 and it will not go toward my {$1000.00} required spending to get my XXXX free hotel nights or my XXXX bonus points for adding my fiance as an authorized user. Chase comes out ahead while I ran my credit for a card that is not going to help me in the ways the advertisement suggested. At this point

State:
 it is hard to put a dollar amount on what Chase falsely advertised. If I do n't reach my {$1000.00} in spend in 3 months I will miss out on my XXXX free hotel nights. This is at least {$600.00} with XXXX


Complaint_ID: Yes
Date_received:
01/12/2016,Consumer Loan,Vehicle loan,Problems when you are unable to pay,,I purchased a car using Coastal Credit LLC. I lost my job and fell a little behind. 43 days to be exact. It was n't even XXXX payments

Product:
 it was XXXX and a half payments behind when they repossessed the car. It 's been just under a year and I 'm trying to make payments. I have paid {$120.00} a month for the past 3 months in which they are taking. I called them to get a bill mailed to me and they said the payments I 'm making are n't enough and they are taking me to court. They also said I could pay {$120.00} a month for the rest of my life and never pay the debt because it is going straight to interest. So basically


Date_received: 01/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: and sought a loan modification ... not bankruptcy. We did not want this
Complaint_ID: Yes
Consumer_narrative:
Mortgage company did not record payments, though at the end of the year, XXXX showed the excessive interest. Continued with this fraudulent activity for 2 years and several unnecessary forbearance agreements. Attempted to file bankruptcy, so as to have trustee monitor our mortgage. Bankruptcy attorney, schemed to file for " overestimated property value ''

Company:
 attorney gave us no choice. Attorney did not utilize "" request for production ''. He did not request our records from them


Product: Inc."
Subproduct: PA
Issue: 19145
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/12/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/12/2016,Credit reporting,,Credit reporting company's investigation,Problem with statement of dispute,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Subproduct: who still holds this debt
Issue: multiple times and have not received a single phone call
Complaint_ID: No
Date_received:
12/15/2015,Debt collection,Auto,False statements or representation,Attempted to collect wrong amount,My deficiency debt from Carmax was assigned to a debt collection agency

Product:
 XXXX XXXX XXXX. The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with XXXX XXXX initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor


Complaint_ID: No
Date_received:
Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest


Date_received: 01/07/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: which is not correct. I contacted Ditech on XXXX/XXXX/XXXX
Company: XXXX/XXXX/XXXX
State: XXXX/XXXX/XXXX
ZIP_code: XXXX/XXXX/XXXX
Complaint_ID: Yes
Consumer_narrative:
The Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX was not correct. The statement had a double billing for XXXX XXXX in the amount of {$3200.00} for " Taxes ''. The Ditech error raised my XXXX/XXXX/XXXX payment to {$1900.00}

Submitted_via:
 XXXX/XXXX/XXXX and XXXX/XXXX/XXXX for resolution. Noticed a Ditech Annual Escrow Account Disclosure Statement dated XXXX/XXXX/XXXX

Date_sent_to_company:
 which stated payment due of {$1900.00} on XXXX/XXXX/XXXX and payment due of {$1600.00} due on XXXX/XXXX/XXXX. I dispute the payment of {$1900.00} due on XXXX/XXXX/XXXX. I assert the payment due on XXXX/XXXX/XXXX should be {$1600.00} and moving forward the XXXX of each month. Contacted Ditech on XXXX/XXXX/XXXX to dispute their second error


Complaint_ID: Yes
Date_received:
My husband, who is authorized to discuss my mortgage account but not make changes to it, attempted to make a claim, describing to your agent a sewer line problem in our house. After several weeks, your company was able to dispatch a plumber to our house who said the problem could not be addressed because the pipes were not " accessible ''


Product: it took 3 weeks to get a response 3 ) When response was made
Issue: etc. As if the representative was aware that the issue was not covered
Complaint_ID: Yes
Date_received:
My complaints are : 1 ) The insurance was added to my account without my request 2 ) When service was requested

Subproduct:
 a plumber was sent even though the condition was falls within the very broad and very subjective exclusions in your policy regarding "" inaccessibility '' of pipes


Date_received: I request : 1 ) Immediately stop charging my Ditech account for the property at XXXX XXXX
Product: VA XXXX 2 ) Refund of {$350.00} I was improperly charged for nearly fictitious insurance
Complaint_ID: Yes
Subproduct:
 which in any event was not available in a timely manner when it was requested 3 ) Refund of {$85.00} we paid as a result of the incorrect and deliberate dispatch of plumber for issues that were obviously not covered Were you ( or an external regulator ) to impose transparency and integrity on your practices


Date_received: The lawyers responded with " we do not harass I just refuse to pay
Complaint_ID: Yes
Product:
 and that they were within their right to persue me. I never stated that the harrassment was recent only that my dealings with them prior to this was indeed harrasment calling me at night on the weekends and the threat


Product: with their approval. This worked for one month but no other bills appeared. They started calling
Subproduct: asked for payment. When I returned the collection call
Consumer_narrative: repeatedly
Company_public_response: without success. Finally
State: they have added "" finance '' charges dating back to XX/XX/XXXX
Complaint_ID: Yes
Date_received:
01/17/2016,Credit card,,Billing statement,,I opened a Macy 's credit card account XX/XX/2015. I set up bill payment through my bank account

Issue:
 the rep investigated and admitted that they had "" changed their system '' and had not in fact notified me of that

Subissue:
 nor had they sent a bill. The rep said they would send a bill and eliminate any "" overdue '' charges. The bill did not arrive. I asked for a bill on the phone

Company:
 I sent a registered letter. Now I have received the itemized bill. I have sent a check for the purchase amount. However


Product: no messages left
Subproduct: even if we answer the phone no one is there
Issue: they are a debt collector
Complaint_ID: Yes
Date_received:
01/07/2016,Debt collection,I do not know,Communication tactics,Frequent or repeated calls,constant throughout the day every day the phone rings from XXXX to XXXX


Complaint_ID: Yes
Date_received:
01/17/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,This agency is attempting to collect a debt from me for a debt I do not owe


Date_received: XXXX v. XXXX XXXX
Product: XXXX
Issue: XXXX XXXX XXXX ( XXXX XXXX. XXXX XXXX
Consumer_narrative: XXXX XXXX XXXX XXXX XXXX
Company_public_response: XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Subproduct:
 XXXX XXXX XXXX. XXXX XXXX ( XXXX. XXXX XXXX ) ( "" Reporting to credit bureaus is a communication within the FDCPA ) ) ; XXXX v. XXXX XXXX XXXX

Subissue:
 XXXX ) ( "" rejecting the argument that reporting to the credit bureau was not a communication to the consumer and was not debt collection activity '' ) ) ; and


Product: The Arkansas Collection Agency Act
Complaint_ID: Yes
Date_received:
This agency is violating the FDCPA which are per se violations of the Arkansas Fair Debt Collection Practices Act


Product: Inc."
Subproduct: AR
Issue: 721XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 01/21/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,Commonwealth Financial Systems


Date_received: 01/17/2016
Product: Credit card
Issue: Customer service / Customer relations
Company_public_response: again
Company: beyond a courtesy acknowledgement of receipt of my message
State: I never receive any response from anyone. I have resolved the balance because a
ZIP_code: I owe them and b
Submitted_via: I care more about my credit than to continue to pursue this losing battle. However
Complaint_ID: Yes
Consumer_narrative:
Hello, In XXXX of this year, I received a new credit card from Macys. There was no indication in the paperwork that I received that my account number had changed but, it turns out it had. I had my Macys account set-up to receive ebills through XXXX XXXX XXXX but, since they had changed my account number, I stopped receiving these bills. It seems the first missed payment was in XXXX. The first contact I received from Macys that there was an issue was in XXXX. At that point they sent a letter claiming to have called me repeatedly ( this NEVER happened ) and notifying me that my account was delinquent. I called them and asked that, given the circumstances, they remove the late fees and interest charges. I have immaculate credit and, in more than a decade of doing business with their company, have never had an issue. In attempting to talk to someone about the problem I was repeatedly transferred to departments that had nothing to do with my problem or transferred to " nowhere ''. I finally sent a XXXX message and

Date_sent_to_company:
 I think someone should be made aware of the fact that they do not attempt to contact anyone until they 've racked up their share of fees and charges and


Complaint_ID: Yes
Date_received:
12/15/2015,Credit card,,Billing disputes,,i obtained an XXXX XXXX Citibank credit card XX/XX/2015. A small charge of about XXXX dollars went on the card in XX/XX/XXXX

Product:
 I never received the XX/XX/XXXX statement so no payment was made. When the next statement came it had penalty and interest so i called to find out why and discovered the missing statement

Subproduct:
 I paid that day the total bill plus an extra {$200.00} so that there would be no more interest. On the next statement there is still an interest charge

Issue:
 called and company rep acknowledged the extra payment but said still assessed interest because they charge interest until the next statement even when there is a credit on the account. Refuse to do anything about the charge. I think this is an abusive practice. For a missed payment of about {$20.00} where I never got the statement I have already paid {$22.00} in fees and {$35.00} in interest


Date_received: 12/31/2015
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Complaint_ID: Yes
Consumer_narrative:
Earlier this year, I contacted my bank and requested a RETURN and/or STOP PAYMENT on any payments presented that would cause an OVERDRAFT of my checking account. I was informed that the bank would return any payments presented that would cause my account to OVERDRAFT. On XXXX XXXX, 2015, FLAGSTAR bank attempted a " RETRY PYMT '' in the amount of {$18.00} against an available balance of {$1.00}. The bank subsequently presented another "" RETRY PYMT '' in the amount of {$18.00}. As a result of this activity


Subproduct: it is lost. Also
Complaint_ID: Yes
Date_received:
01/17/2016,Credit reporting,,Incorrect information on credit report,Personal information,I have submitted information to correct my employer 's information and as one can clearly see they list my work in XXXX instead ofXXXX Massachusetts. My second issue is that I use my middle initial and not my full middle name. My third issue is that I was denied an credit card through XXXX due to not having sufficient number of accounts. I also have accounts with XXXX and XXXX Gasoline which is not on the reports. XXXX of the bureaus does not list a previous paid up account at XXXX XXXX XXXX XXXX. It is frustrating dealing with and attempting to dispute and clearify the above issues. I am also attempting to determine when I requested a credit report from the bureaus. I prefer to have them sent to me and not through the internet as I then have a copy for reference

Product:
 particularly if I do not have the luxury of a printer or there is an issue with obtaining the copy. Once the information is lost


Date_received: 01/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Complaint_ID: Yes
Consumer_narrative:
I have contacted Equifax several times, both in writing and by phone, to ask them to correct the personal information they have on file for me. ( Equifax has me with a " XXXX '' at the end of my name


Date_received: 01/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: CITIBANK has refused to do so. Instead
Complaint_ID: Yes
Consumer_narrative:
My father recently granted me Uniform Statutory Form Power of Attorney, California Probate Code Section 4401, noting further within the Power of Attorney Document that I " shall have the power to act on my behalf in my capacity as Trustee/Trustor of The XXXX Family Trust Dated XXXX XXXX

Company_public_response:
 XXXX '' While this document was immediately honored by XXXX XXXX XXXX with whom my father also banks


Product: I have been denied access to speak directly to the CITIBANK 'S legal department and have been
Subproduct: instead
Complaint_ID: Yes
Date_received:
Currently my father has XXXX separate checking accounts with CITI BANK ; a joint checking account with my mother who is deceased and an account in the name of the family trust. I have placed several phone calls with XXXX separate branches in an effort to resolve this matter but to no avail. Moreover


Product: in this case XXXX XXXX XXXX
Complaint_ID: Yes
Date_received:
I would like to know under what authority does CITIBANK have the right to act in this manner and why XXXX institution


Date_received: 12/15/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: XXXX automatically
Complaint_ID: Yes
Consumer_narrative:
In the past month or so, I have found it very confusing that " the bank generated an offer a bit automatically '' while I was working on another with XXXX XXXX. It was all the more ambiguous and confusing since XXXX XXXX 's name appears on these "" automatically '' generated papers. I do n't understand how there could be XXXX parallel applications opened at the same time


Date_received: I told XXXX XXXX that the bank 's modification offer was not good for me
Complaint_ID: Yes
Product:
 it is {$400.00} above the highest rent I can get for this old and modest house. Then the "" automatic '' modification was closed in XXXX


Complaint_ID: Yes
Date_received:
We discussed the information I had supposedly not provided and she found the XXXX XXXX fax where I had given it. But by then the modification application had been closed

Product:
 my tenants who have an infant in need of XXXX XXXX XXXX surgeries had found several copies of a trustee sale notice on their door


Date_received: After seven years of doing these modification applications with BofA
Complaint_ID: Yes
Product:
 it was revealed to me in my conversation with XXXX XXXX that : After XXXX rings agents must disconnect their call to me "" by law. '' So agents do not leave a message


Date_received: Agents do not respond to faxes
Product: so my fax of XXXX XXXX was not considered a communication
Issue: XXXX XXXX
Subissue: 2015
Consumer_narrative: XXXX XXXX XXXX called instead of XXXX XXXX and revealed to me that IN ANY CASE
Complaint_ID: Yes
Subproduct:
 since the system is "" paperless. '' I should have called by phone. ( Of course this is a strange statement since many agents have called me after I sent faxes. ) Then finally yesterday


Date_received: But most of all
Subproduct: that the greatest confusion reigns at the department in charge of modifications
Complaint_ID: Yes
Product:
 I believe that essential information about simple ground rules of the modification process were kept from me. I also believe that serious delays caused by the bank which inflated the amount of the loan over the years is not being considered by the underwriters. And finally


Product: XXXX to XXXX
Subproduct: XXXX and XXXX stating the following : To the Following : XXXX
Issue: XXXX XXXX
Subissue: XXXX
Consumer_narrative: XXXX XXXX ( XXXX. XXXX XXXX
Company_public_response: XXXX
Company: XXXX XXXX ) XXXX XXXX
State: XXXX. XXXX XXXX
ZIP_code: XXXX
Submitted_via: XXXX XXXX ( XXXX XXXX XXXX
Date_sent_to_company: XXXX. XXXX XXXX
Company_response: XXXX
Timely_response: XXXX XXXX ) XXXX XXXX XXXX XXXX
Consumer_disputed: XXXX
Complaint_ID: XXXX. XXXX XXXX
Date_received:
On XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, XXXX, ( XXXX XXXX XXXX, Clerk Superior, State and XXXX Court, XXXX County, XXXX ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XX/XX/XXXX I sent legal notarized affidavits from XXXX County


Product: XXXX I sent legal notarized affidavits from XXXX County
Subproduct: Georgia to XXXX
Issue: XXXX and XXXX stating the following : To the Following : XXXX
Subissue: XXXX XXXX
Consumer_narrative: XXXX
Company_public_response: TX XXXX ( XXXX. XXXX XXXX
Company: XXXX
State: TX XXXX ) XXXX XXXX
ZIP_code: XXXX. XXXX XXXX
Submitted_via: XXXX
Date_sent_to_company: PA XXXX ( XXXX XXXX XXXX
Company_response: XXXX. XXXX XXXX
Timely_response: XXXX
Consumer_disputed: PA XXXX ) XXXX XXXX XXXX XXXX
Complaint_ID: XXXX
Date_received:
On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX


Date_received: 01/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Complaint_ID: XXXX
Consumer_narrative:
My credit went from XXXX to XXXX due to the Great Recession and problems in paying medical bills and being unemployed. In XXXX I landed a job and have not missed any bill payments since then. Accordingly, my credit went from XXXX to XXXX in XXXX. However, in XXXX of XXXX my credit suddenly dropped from XXXX to XXXX per XXXX XXXX 's data collected from XXXX and Equifax. When I checked to see why I discovered a XXXX NEW entries for unpaid balances that were XXXX YEARS OLD, both dated XXXX XXXX, XXXX. Both entries involved " XXXX XXXX XXXX '' which I have never heard of in amounts of {$13000.00} and {$4600.00}. I contacted Equifax and XXXX and got their typical barrage of obfuscation and confusing emails


Product: downtrodden
Issue: this is very damaging in that it may preclude me from getting a mortgage. Worse yet
Complaint_ID: XXXX
Date_received:
I want to know if the Big XXXX credit reporting firms business models rely on keeping people beaten down

Subproduct:
 and miserable to enhance their profits by selling their services? They seem quick to harm someone but unresponsive in fixing problems. For me


Product: or rectify
Complaint_ID: XXXX
Date_received:
There is no salient documentation as my complaints were filed with XXXX and Equifax on line and I was unable to save correspondence in their website. There responses did not address


Date_received: 12/15/2015
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
Conn 's continues to attempt to collect a debt that is not mine. I have provided all documentation to them and they continue to claim they ca n't do anything about it. I have also filed a complaint with the Texas Attorney General 's office due to the illegal activity being conducted by Conn 's. I am again disputing this alleged debt in it 's entirety and providing proof that this debt was already disputed in 2014 and deleted because it was not mine. Conn 's is illegally trying to collect on a debt they know is not mine. The Attorney General is currently looking into Conn 's and their actions. I will continue to file complaints until Conn 's does the right ( and legal ) thing and remove this debt that their past collection agency deleted due to inaccuracy. They have illegally resold this inaccurate debt to another collection agency in yet another attempt to collect this debt. They can not honestly believe that me, the CFPB, or the Attorney General will believe their " we ca n't locate an account '' bull when they just resold the account to another agency for collection. Obviously


Date_received: 01/01/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Complaint_ID: Yes
Consumer_narrative:
I purchased a 2013 XXXX XXXX from Ohio XXXX XXXX under false and deceptive practices. My credit application was falsified to secure the loan, which Santander purchased from XXXX XXXX Bank immediately. I was never offered a carfax during the purchase and after purchasing XXXX on my own, found out the vehicle was XXXX of a fleet of rental cars. Under the federal " Lemon Law ''


Complaint_ID: Yes
Date_received:
12/15/2015,Mortgage,FHA mortgage,Settlement process and costs,,I recently received a mortgage modification decision from my mortgage servicer ( Bank of America ) after 4 months of making trial payments to qualify for a mortgage modification. I had requested a mortgage modification after inquiring about not being able to refinance my home loan due to the property value being less than the mortgage I was paying. ( Under Water Homeowner ) The decision I received in the settlement from BOA reduces my mortgage {$350.00} per month and the interest rate changes from 5.25 % to 4.375 %. However

Product:
 the term of the loan is now going to reset to 30 years and way they are lowering my payment is by taking {$40000.00} of principal out of the home loan and putting that amount at the end of my 30 year mortgage as a balloon payment that must be made to HUD. I can not afford the mortgage currently and I can not refinance the loan because I have no value in the home

Subproduct:
 so what makes BOA think I will have the {$40000.00} balloon payment at the end of my 30 year term and not offer me any other solutions other than a "" take it or leave it '' deal? BOA is not offering any relief other than moving some of the money around to make it look like the payment is smaller

Issue:
 but in reality I still owe this money on a home that is currently worth LESS than my loan. I qualified for all of their criteria for assistance and what they are offering me is a dead end in my eyes. BOA never disclosed any of the information about a balloon payment as a modification solution when the assistance process started. Had I known

Subissue:
 I would have refused this assistance and requested other options. I feel this is deceptive on their part and not cooperative with me


Date_received: 01/18/2016
Product: Debt collection
Subproduct: Medical
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Company: provide or receive any relevant information
Complaint_ID: Yes
Consumer_narrative:
Agent from Patient Account Services ( PAS ) called my cell phone, demanding payment of XXXX. Without letting me speak after I had asked what the debt was for, the agent rudely asked if I knew " how much money '' I had in the bank

Company_public_response:
 and preemptorily said he would write me off as "" refusal to pay '' then hung up. I had no chance to ask any questions


Date_received: 01/18/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: even after asking me to sign
Company: notarize
State: resend the documents
Complaint_ID: Yes
Consumer_narrative:
I submitted a complaint with department previously ( Case number : XXXX ). My mortgage company, Nationstar, responded that they " needed more time to respond '' and then CFPB dropped the ball and there is nothing further in the file. The issues have not been resolved. The mortgage company has not granted the promised modification


Product: Inc."
Subproduct: GA
Issue: 300XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 02/03/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,Professional Recovery Consultants


Date_received: 01/18/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Complaint_ID: Yes
Consumer_narrative:
I have not been able to find anyone at the credit reporting agencies whom can assist me. I am seeing " soft '' credit inquiries on my report that I am not authorizing. Companies are doing soft credit checks then sending catalogs out I am not asking for. By sending these catalogs out


Subproduct: and which time she returned a BPO with a value of {$380000.00}
Complaint_ID: Yes
Date_received:
In response to the PMI cancellation request, Ditech contracted with local Realtor XXXX XXXX to perform a Broker Price Opinion ( BPO ). XXXX XXXX came to the house to evaluate the property, and orally stated to us that it would " easily value at {$400000.00} or more ''. However

Product:
 it is apparent that Ditech then communicated with XXXX XXXX about the principal balance left on the mortgage


Date_received: Several facts make it clear that the final BPO was manipulated. Firstly
Product: the BPO listed XXXX comparable sales
Subissue: the average figure is {$400000.00}. Even including Comparable # XXXX
Consumer_narrative: the average figure would still be over {$400000.00}. Additionally
Complaint_ID: Yes
Subproduct:
 and in XXXX of the XXXX comparables the "" Adjusted Price of Subject '' was significantly above {$380000.00}. The only comparable that set an "" Adjusted Price of Subject '' less than {$380000.00} was 'Comparable # XXXX ' ( {$380000.00} XXXX and this property is located in an entirely different county

Issue:
 in less desirable school districts. Looking at the "" Adjusted Price of Subject '' of the other XXXX comparables

Company_public_response:
 the Realtor selected XXXX comparable as being "" Most Similar to Subject ''. These XXXX properties established "" Adjusted Price of Subject '' values of {$430000.00} and {$390000.00}


Date_received: Finally
Subproduct: and notes "" Upgrades equal to {$48000.00}. '' Given these upgrades
Issue: and the purchase price of {$350000.00}
Subissue: even if the property did not increase in value since purchase ( which it undoubtedly has
Company_public_response: and all of these other figures would have resulted in the cancellation of our PMI. Finally
Complaint_ID: Yes
Product:
 the "" Additional Comments '' section of the XXXX undermine the final determination reached by the Realtor. In this section ( page XXXX ) the Realtor notes the extensive upgrades made to the property. She expressly listed the major upgrades made

Consumer_narrative:
 as has every property in our neighborhood ) then fair marker value of the house would still be around {$400000.00}. Please note that all of these values listed above are greater than the {$380000.00} value listed in the BPO

Company:
 while it may or may not be relevant the Realtor who conducted the PMI was the exact same Realtor who represented the seller when the purchased the house XX/XX/XXXX. She knew or should have known the value of the house at that time


Complaint_ID: Yes
Date_received:
01/18/2016,Payday loan,Payday loan,Can't contact lender,Can't contact lender,I received a loan through speedy cash in the amount of XXXX. I set up the loan with them with a specific bank account. I defaulted on my loan due to not having a job. However

Product:
 I called to set up payment arrangements and speedy cash told me my account has went over to a third party collection agency. They also provided me with XXXX. I never provided them with my debit card from XXXX XXXX information. However


Subproduct: that have been somewhat helpful
Issue: but have never brought my account current. After the last stint at short term hardship
Subissue: I spoke to an account rep who was surprised that I was never offered a long term plan. I told her
Consumer_narrative: it was never available to me
Company_public_response: per their parameters. I asked her if my account was closed
Company: she confirmed it was
State: I then asked why they are trying to charge me more that the Washington State limit of 12 %
ZIP_code: she did not have an answer. I want to pay off my account
Complaint_ID: Yes
Date_received:
12/15/2015,Credit card,,Closing/Cancelling account,,For several years I have been trying to pay off or at least get current with my Juniper Credit card ( owned by Barclay ). XXXX card has been closed

Product:
 but they continue to charge me interest. I have XXXX other cards that have been more than helpful in that respect and I am slowly paying them off. When I ask for a similar deal they refuse. I have been through several short term hardship programs

Submitted_via:
 but they make it impossible with the interest they charge on top of late fees. I have written them a letter asking to be put on a plan with even monthly payments and no interest. Is there anything else I can do


Subproduct: # XXXX Both Virtual Reward Center and Citi said there is nothing they can do to access my fund
Issue: and they can not issue me a new card. Citi 's customer service is XXXX
Complaint_ID: Yes
Date_received:
01/18/2016,Prepaid card,General purpose card,Fraud or scam,,XXXX was the one that handles paying me {$100.00} after a gig

Product:
 which leads to XXXX in order to claim the money. The card only has 6 month expiration date from the day you click to redeem which I thought it had a year. I am calling back at virtual reward center on the XXXX month they 've told me the card has expired and there are no way to access my fund which is still available at citiprepaid. Person I spoke with at citi was XXXX XXXX


Date_received: 01/18/2016,Debt collection,Other (i.e. phone
Product: health club
Subproduct: etc.)"
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
In 2012, I moved from an apartment where I had FIOS Triple Play service to a home I purchased. I asked the XXXX representative before I moved would I be able to continue the triple play option at the new address and the representative said, Yes. However, when the technical attempted to install the service, cable services were not available. The internet and telephone services were available. Since I was interested in the triple play option, I called XXXX and notified them that I was cancelling the service. The representative instructed me on how to return the equipment and I received the mailing label to return the equipment and I returned the equipment as per the representative 's advice. In the meantime, I went with a competitor and was able to receive cable services and I thought nothing of the XXXX account until I was contacted and I was informed that I owed {$390.00}. in telephone services. I let the caller know that I did not have the service and I returned XXXX 's equipment and I canceled the service. Speaking with the collection agent was like " talking to a brick wall ''. They assumed that I was lying and I let them know that I was not paying for a service I did not have. In the interim


Complaint_ID: Yes
Date_received:
First Collect proceeded to make an entry to my bureau reports despite having been advised of the SoL and the previous deletion. The also falsely reported to XXXX that the " account '' had been opened on XXXX XXXX


Date_received: They have revived a dead account
Complaint_ID: Yes
Product:
 ignored the statute of limitations even when their own "" validation '' document supports my position


Complaint_ID: Yes
Date_received:
12/20/2015,Credit card,,Identity theft / Fraud / Embezzlement,,I had a problem with someone cloned my numbers off my credit card and tried to use them in a XXXX near XXXX. I called customer service and they put me on hold the agent was laughing in the background. After calling 4 times


Complaint_ID: Yes
Date_received:
01/19/2016,Credit card,,Other,,HSBC has a charge off listed on my credit report that I have disputed numerous times. Each and every time I have disputed it

Product:
 it has come back as verified. However when I have contacted Hsbc they have stated they have no knowledge of this account. So


Date_received: 01/19/2016
Product: Credit card
Issue: Delinquent account
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX - XXXX XXXX/XXXX/XXXX Capital One Bank, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX : Credit Card # XXXX Dear Capital One, I am writing to you today regarding my credit card account # XXXX which I had since XX/XX/XXXX. The purpose of my correspondence is to see if you would be willing to make a " GOODWILL ADJUSTMENT '' on the reporting of this account to the XXXX major credit agencies I requested several times by mail general correspondence date on XXXX/XX/XX/XXXX/XXXX XX/XX/XXXX and XX/XX/XXXX ( letters attached ) and Consumer Financial Protection Bureau on XX/XX/XXXX and XX/XX/XXXX ( letters attached ) But all the times my request has been denied. I have a XXXX active accounts good standing


Subproduct: phone
Consumer_narrative: if you have letters from the creditor saying delete the accounts
Complaint_ID: Yes
Date_received:
12/20/2015,Credit reporting,,Credit reporting company's investigation,Inadequate help over the phone,I disputed several medical collections in my credit file with all XXXX CRA 's. Once the investigation was completed and "" verified '' I contacted the CA directly. To make a long story short

Product:
 there was an issue with my particular insurance company so the accounts would be removed from my credit file. I sent in a copy of an email that I received from the CA to the CRA 's. They verified that they did receive the email. I was told that was not enough for them to remove the accounts ( the email had the senders ( CA Supervisor ) contact information

Issue:
 email and fax number. All they had to do was call them. Once I received the actual deletion letters from the CA 's

Subissue:
 I sent in the copy 's to the CRA 's ( all on company letterhead ). I called and verified that they did receive the letters. Still the accounts are in my credit file. I am trying to get a mortgage. Since sending the request to deleted the interest rates have increased and who knows whether the rates will increase again by the time they remove theses items. I informed the reps of this. I do n't understand why


Complaint_ID: Yes
Date_received:
The bill is for " Lab Work '' from XXXX Hospital. I HAD NO LAB WORK DONE! They said my XXXX filed it. I never agreed to this. No labs were ran

Product:
 and no results provided. I called the hospital and they had no records of any lab work. The debt was only {$170.00} and now my credit score has taken an unnecessary hit. I was unaware they reported the debt to FICO until my score dropped and I had to look into it. I was unaware they reported it because other than the second letter they sent me which only contained a print out of medical coding screens


Product: Inc."
Subproduct: PA
Issue: 173XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 12/15/2015
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,Professional Medical Management


Product: checked my credit report
Issue: and it is the same address of another company
Subissue: XXXX XXXX XXXX XXXX
Consumer_narrative: that attempted this same thing with me in XXXX. At that time
Company_public_response: a collection had been placed on my credit file
Company: which I disputed and proved payment
Complaint_ID: Yes
Date_received:
I called the XXXX number ( XXXX XXXX XXXX ) and the lady informed me it was in regard to a payday loan from XXXX ( I paid this loan off ). She said she needed a receipt, but would " stop the paperwork '' to have me arrested on check fraud and attempting to defraud a financial institution. I consulted an attorney

Subproduct:
 and checked with my sheriff - no record of any money owing to this place or charges pending. I called back to get an address and was placed on a lengthy hold after being asked why I needed it ( I said I needed to mail something to them ). They finally gave me an address


Date_received: The possibility of selecting the wrong account was entertained by Sallie Mae. However
Complaint_ID: Yes
Product:
 paying off your student loan is a huge accomplishment and my daughter and her mother worked together to celebrate this event. The account had been auto debiting from her personal checking account for months and when the payment was made the computer automatically selected the correct primary account ( the one it had been automatically using ) and they happily typed in the full amount


Date_received: After 4 phone calls the problem is still not corrected
Product: her loan still not paid
Complaint_ID: Yes
Subproduct:
 due to Sallie Mae waiting to receive notification from our bank that the money was not in the account they tried to debit before they can do anything. I am simply wondering


Date_received: 12/16/2015
Product: Credit card
Issue: Advertising and marketing
Complaint_ID: Yes
Consumer_narrative:
American Express Blue Cash Everyday marketed a 3 % cashback offer on US Supermarkets. I signed up for that here in XXXX, Hawaii. In getting my statement I noticed my Supermarket purchases were not accruing 3 % cashback. I called AmEx to ask why and have been told by multiple people in various customer service departments that their managers said our Hawaii supermarket is NOT a US Supermarket! I stated multiple times that Hawaii is the 50th State of the USA and therefore Hawaii markets are US businesses, but same response. I noted my AmEx statement itself describes the store as a " Grocery Store


Complaint_ID: Yes
Date_received:
So I was enticed to move to AmEx for 3 % cash back at grocery stores only to find Hawaii does n't seem to count


Date_received: 12/16/2015
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Trash and Recycling
Complaint_ID: Yes
Consumer_narrative:
Our dispute to this account is due to the fact that we are not responsible for the original charges ( XXXX. ) and therefore are not responsible for subsequent charges generated by interest and/or contractual collection fees ( Valley Empire Collection ) as we were not living at the address responsible for generating the utility charges since XXXX XXXX, XXXX. During that time, the property was being rented to Tenants who were contractually responsible all utilities. Within a transmission to Valley Empire Collection ( XXXX WA ) were sent XXXX ( XXXX ) separate Residential Lease Agreements outlining the dates the property was rented. Further, particular attention was directed to page XXXX ( XXXX ), part XXXX as each agreement clearly stated " Tenant is responsible for the following utilities and services : Water

Company:
 and Electricity and Gas and is required to register the utilities and services in Tenant 's name. '' Finally

State:
 on page XXXX & XXXX ( respectively ) of the rental agreements we painstakingly highlighted that the tenant was responsible to contact / activate services "" before '' taking possession of the residence and that they could NOT take possession until the services were "" registered in their name. If they failed to do so before the lease began


Complaint_ID: Yes
Date_received:
12/21/2015,Credit reporting,,Incorrect information on credit report,Information is not mine,XXXX and TransUnion are reporting an installment account with XXXX XXXX as a Joint contractual liability

Product:
 I do not know what this account is nor did I ever sign any documentation with this company. I have disputed it several times and as you can see the credit reporting agencies just writes in the comments "" customer disputes but resolved '' this issue was never resolved? I received no validation documentation of what this is nor where my signature is nor that this account belongs to me

Subproduct:
 as it does not. If no proper support has been provided to the Credit Agency this accounts needs deleted from my account. Please see account comments listed on both XXXX and Transunion as a result of my disputes. Again


Date_received: 01/01/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Complaint_ID: Yes
Consumer_narrative:
I have disputed this debt and filed a fraud complaint. The collection company sent me " proof '' that I owed the debt. They sent me a letter stating that they had investigated my claim and they had concluded that my debt was not fraud. Their "" proof '' was a credit card statement for a completely different person


Complaint_ID: Yes
Date_received:
The title company received the payoff amount very late. I did n't even see it until I walked through the door at closing. It includes items for " estimated attorney fees and costs '' amounting to {$3200.00}. I can not image what this could entail as this estimate was received the day of closing. This was a straight forward sale. No short sale. There were also "" Incurred attorney fees and costs '' of {$100000.00}


Date_received: 01/01/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: to our knowledge. We 've followed advice to avoid communicating directly with the company
Complaint_ID: Yes
Consumer_narrative:
For 1-1/2 yrs ( est. ) Dyck O'Neal Inc.- a debt collector ( Texas addresses ), has repeatedly left the following message : " We have an important message from Dyck O'Neal Inc . This call is from a debt collector. Please call XXXX. '' Always the same words spoken in the same female voice

Company_public_response:
 left on our home voice mail. We ran a Credit Report and found no unsatisfactory ratings. No one has been trying to collect debt from us

State:
 and are attempting a solution through the Bureau of Consumer Finance. [ I was distressed to learn that debt collection businesses are exempt from restrictions on telemarketing ( which is what this sounds like to us ) - i.e.


Complaint_ID: Yes
Date_received:
I received an e-mail confirming the reservation and the rental agreement. The reservation included unlimited mileage, taxes, airport fees, liability and fire insurance. The agreement stated in the terms and condition " Upfront Pricing


Date_received: I returned the on XX/XX/XXXX
Issue: on the grounds that they were not previously disclosed or agreed by me. I had no luck with them
Complaint_ID: Yes
Product:
 as previously agreed upon. The car was returned in perfect condition with no damages. On XX/XX/XXXX

Subproduct:
 I notice that XXXX charged me an additional {$690.00}. I contacted XXXX to inquire about these charges and they told me that they were "" additional fees '' part of the rental agreement. I refused the charges


Date_received: I contacted Capital One to dispute these charges on XXXX XXXX
Complaint_ID: Yes
Product:
 2015. I provided a full written explanation and copies of the supporting evidence. As part of the investigation process

Subproduct:
 Capital One received an itemized bill from XXXX detailing the additional charges of {$690.00}. Capital One shared this bill with me. Capital One told me that this bill "" demonstrates '' that the charges are valid and the dispute would be closed in the favor of the Merchant. I immediately contacted them to state that the bill is fraudulent. The bill was not signed or approved by me. Furthermore


Date_received: I contacted Capital One in numerous occasions though the phone
Product: fax and e-mail to explain that the addional charges were never authorized by me
Complaint_ID: Yes
Subproduct:
 are not part of the terms and conditions of the original agreement and therefore do not proceed. Capital One did not gave credit to any of my explanations or supporting document. They only gave credit

Issue:
 to a bill which was fraudulently created after the rental agreement was over. Capital One closed my dispute in favor of the customer on XXXX XXXX


Date_received: 12/21/2015
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Complaint_ID: Yes
Consumer_narrative:
The summon was served to my ex roommate instead of me so i never received the summons. Now the credit card company has a judgment against me because I apparently " defaulted. '' What is my best course of action at this point? Discuss repayment however there is additional debt they claim I owe ( which 90 % are penalties )


Date_received: 12/21/2015
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: I was forced to complete paying for the third year of coverage. Subsequently
Company: I requested a LOMA letter from XXXX
State: and was informed that my property never resided in a SFHA
Complaint_ID: Yes
Consumer_narrative:
In XXXX of XXXX I received a letter from Bank of America requiring me to purchase flood insurance as an augmentation to my existing mortgage ( Acct. # XXXX ) on a property located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. The letter indicated changes to the flood zone maps prompted this requirement and as such, I purchased flood insurance in XXXX of XXXX XXXX Policy number XXXX XXXX ). This requirement was perpetuated by XXXX XXXX, ( Acct # XXXX ) when they assumed servicing my mortgage in XXXX up until XXXX XXXX when I received a letter indicating that updates to the Special Flood Hazard Area ( SFHA ) no longer encompassed my property. Since you can not cancel Flood Insurance, you can only " Non-Renew ''

ZIP_code:
 and that the maps had not been updated with any changes to my specific property location since XXXX. I have attached the supporting documentation and believe I am entitled to a refund of premiums paid for 3 years as a result of the errors made by Bank of American and subsequently


Date_received: 01/02/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: interest
Company: and escrow. '' My monthly mortgage payment according to my contract is {$610.00}. On XXXX XXXX
Complaint_ID: No
Consumer_narrative:
In XXXX of 2014, the Consumer Finance Protection Bureau implemented rules for mortgage servicers that state that : " Periodic payments must be promptly credited as of the day of receipt. A periodic payment consists of the amount necessary to cover principal

State:
 through XXXX I sent a payment of {$800.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX

ZIP_code:
 through XXXX I sent a payment of {$700.00} that was accepted by Dovenmuehle but never posted to my account. On XXXX XXXX


Date_received: Also
Product: in the XXXX 2014 rules posted by the CFPB
Issue: they would find that I am not
Subissue: nor have I ever been 120 days delinquent. As a matter of fact
Complaint_ID: No
Subproduct:
 it states : "" You can not make the first notice or filing for any judicial or non-judicial foreclosure process until the consumer is more than 120 days delinquent. '' If Dovenmuehle had properly complied with the CFPB rules and credited my account


Complaint_ID: No
Date_received:
01/02/2016,Credit reporting,,Incorrect information on credit report,Personal information,Under my personal information


Product: Inc."
Subproduct: FL
Issue: 330XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 01/02/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: No
Date_received:
,Company believes complaint caused principally by actions of third party outside the control or direction of the company,Credit Karma


Complaint_ID: Yes
Date_received:
12/21/2015,Debt collection,I do not know,Communication tactics,Frequent or repeated calls,I received several calls from XXXX. He will not tell me what company they are with


Product: we learned that on Tuesday
Complaint_ID: Yes
Date_received:
XXXX also offered a One-On-One meeting with a Nationstar representative within the next 14 days ; however


Complaint_ID: Yes
Date_received:
It is important to note that we have called Nationstar every day and more than once. XXXX XXXX XXXX who signed one of the letters was supposed to get back to me on Monday ; however


Complaint_ID: No
Date_received:
I want my {$1100.00} returned to my escrow account and I want to be credited with back interest from XXXX XXXX


Date_received: 01/02/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company_public_response: XXXX
Complaint_ID: No
Consumer_narrative:
XXXX XXXX XXXX by XXXX XXXX XXXX XXXX XXXX XXXX XXXX divulge my debt to a third party in order to track me down. On XXXX XXXX, 2015 police officers delivered a " CONSENT JUDGEMENT '' to XXXX XXXX XXXX


Date_received: 12/21/2015
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: I contacted XXXX and Transunion to disputed the collection acct. On XXXX/XXXX/15
State: I received the investigation results from XXXX stating the collection acct was removed. However
ZIP_code: on XXXX/XXXX/15 I received the results from Transunion stating that the acct was "" verfied
Submitted_via: no change ''. On XXXX/XXXX/15
Complaint_ID: Yes
Consumer_narrative:
I received a debt collection notice on XXXX/XXXX/15 from XXXX XXXX XXXX XXXX XXXX for {$670.00}. I immediately contacted XXXX XXXX XXXX on XXXX/XXXX/15 by phone and requested an investigation into this debt because i had not had any services at XXXX XXXX XXXX. I also submitted a response to XXXX XXXX XXXX disputing the debt in writing with returned receipt on XXXX/XXXX/15. I received a response from XXXX XXXX XXXX on XXXX/XXXX/15 that stated " XXXX XXXX XXXX has determined that your dispute request is valid and has provided the credit reporting agencies with the corrected information. '' I also received a updated statement from XXXX XXXX XXXX on XXXX/XXXX/15 that I had a zero balance due.This collection account was removed from all credit reporting files. On XXXX/XXXX/15

Company_public_response:
 I received a debt collection notice from XXXX XXXX XXXX XXXX XXXX for {$670.00} with the same acct # from XXXX XXXX XXXX. I submitted a response to XXXX XXXX XXXX on XXXX/XXXX/15 with returned receipt requesting another dispute investigation and that this debt did not belong to me. On XXXX/XXXX/15

Date_sent_to_company:
 I submitted a letter to Transunion with all of my evidence of this collection acct requesting that the acct be deleted from my credit file because I have successfully disputed the acct with the creditor in XXXX and received a statement that I did not have a balance. Also

Company_response:
 I stated that I had sent XXXX XXXX XXXX a written dispute on XXXX/XXXX/15 and they have never responded to my dispute request per the Fair Debt Collection Act within 30days. And therefore

Timely_response:
 XXXX XXXX XXXX has failed to provide the requested proof that this debt belonged to me and can not legally verify that the debt belongs to me without conducting the proper investigation that was requested. On XXXX/XXXX/15


Date_received: 12/21/2015
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: in the employ of XXXX. The more likely scenario is that they bought the debt from XXXX
Complaint_ID: Yes
Consumer_narrative:
Debt collector has falsely represented itself as working in real-time with my former wireless carrier ( XXXX ). I have alerted them several times to a dispute I have over the amount alleged as my debt, as well as alerted them to a complaint I have with XXXX lack of accurate customer service, or possible intentional misconduct. Requests I have made to have debt collector and XXXX verify my claims of overcharging and deceptive business practices have gone fully ignored. Debt collector tried to furnish xeroxed copies of disputed records as " debt verification. '' Debt collector continues to portray itself as a 3rd party


Date_received: 01/02/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Company_public_response: XXXX agrees to place your Loan into in-school deferred status beginning XXXX/XXXX/2015
ZIP_code: Saturday
Complaint_ID: Yes
Consumer_narrative:
I am adding some documents to my original complaint to prove that XXXX was lying to me. I did not go through the mail they sent me and after going through it I found a document that says " Provided we receive a signed copy of this Agreement from you ( the student borrower or cosigner ) by XXXX/XXXX/2015

Company:
 and ending XXXX/XXXX/2015. Monthly payment will not be required while the Loan is/are in deferred ( in-School Forbearance ) status. '' When I spoke to XXXX he ( very aggressively ) told me that my request for Forbearance was neither approved or denied yet this letter basically says I was approved for Forbearance and I just need to sign the document. Additionally the letter was mailed XXXX XXXX

State:
 2015. I was just about to make a payment on this account to just show that I am not careless in paying my bills but now I 'm nervous that my payment would count against me in some way unless this is handled by CFPB. I tried to call AES today


Product: Inc."
Subproduct: CA
Issue: 93590
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/05/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
01/03/2016,Debt collection,Credit card,Improper contact or sharing of info,Talked to a third party about my debt,,,Portfolio Recovery Associates


Subproduct: I got a receipt. My cell phone and dash cam also show him fixing it throughout the day
Issue: as it was accidentally left recording during the fix. He also did a full touch up on the vehicle
Complaint_ID: Yes
Date_received:
Account # XXXX. For XXXX Toyota Prius lease turned in on XXXX/XXXX/XXXX. I leased a new car from XXXX XXXX of XXXX on XXXX/XXXX/XXXX. This complaint is not against the dealer, they were great. My complaint is with Toyota financial and the billing on the lease turn in. This was my first time leasing and I confirmed everything step by step by phone with Toyota. Furthermore I have a XXXX which I told Toyota about. They helped me with each step of the process guiding me. However I am still being billed for XXXX damages that were fixed and a disposition fee, even though I was told this should not be since I am currently leasing another Toyota Prius, but a XXXX. I am also being charged for a key fob, when I turned XXXX sets in with the leased vehicle. I had a courtesy inspection done by a nice old feller who came out to my apartment complex. I told him I had the other key upstairs and he said it was not important, do n't XXXX going to get it. I have since got it and turned it in with the XXXX Toyota Prius to XXXX of XXXX, MD. On the bill I received on XXXX/XXXX/XXXX I am still being charged " Excessive Ware '' and this is listed in the amount of {$150.00}. The left dinged quarter panel is listed in the amount of {$55.00} which is not disputed. The rear bumper was fixed at XXXX XXXX of XXXX

Product:
 MD by the dent and touch up guy they use on the lot for the new cars. He was highly recommended and since I paid him cash

Subissue:
 fixing it to what I assured would pass the lease turn in inspection. I called Toyota back to do a XXXX courtesy inspection now that the fixes and all keys were together

Consumer_narrative:
 but Toyota financial said this was not necessary or even possible. I was told several times this information would be noted to my file and a recalculation/re determination would be done on the final lease bill. I called and followed up

Company_public_response:
 I also have the recorded calls and call logs. I spoke for hours regarding this and have a running tally. Last I spoke was a real nice XXXX lady

Company:
 I called from cell phone : XXXX. She assured me the final bill would be reflected and noted. We talked for over an hour. I do n't know what else I can do. I hope Toyota is n't trolling me because I got a foul tone and cancelled some extras. Please remain professional and correct the bill to reflect the fixes


Product: they were simply overlapped while XXXX XXXX of XXXX was finding the new XXXX vehicle
Subproduct: putting the tints
Complaint_ID: Yes
Date_received:
It is still clearly advertised on the Toyota website that this should be waived since I 'm in another Toyota lease

Issue:
 pinstripes on and finalizing the deal. I am also still awaiting my customer satisfaction sales survey. It should go to the address on this complaint and in the file. I have not received the survey or completed it as of today

Subissue:
 or any surveys for my new XXXX Toyota Prius Plugin. Please direct all future mailings and correspondences to physical hard copy mail


Product: Inc."
Subproduct: NE
Issue: 68135
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/03/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
01/03/2016,Debt collection,Medical,Disclosure verification of debt,Not given enough info to verify debt,,,General Service Bureau


Date_received: 01/03/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Deposits and withdrawals
Company: they are not doing what they state they do
Complaint_ID: Yes
Consumer_narrative:
PayPal has issue me a debit card MasterCard which is issued by XXXX. PayPal states that this is the only " instant access '' to the funds in my account. When I try to use the debit card

Company_public_response:
 I get a decline with every transaction. I then have to call into the PayPal debit card department and they will temporarily fix the issue. Each call to PayPal takes approximately 30minutes. And with each call I am informed that there is not fix to this problem. I have been told that is is because of receiving funds through paypals payflow merchant processing service. I also took advantage of their working capital loan and they told me it was because I have that money in my account. In either case


Date_received: 01/03/2016
Product: Credit card
Issue: APR or interest rate
Company_public_response: self supporting
Complaint_ID: Yes
Consumer_narrative:
I was offered a XXXX ( now XXXX XXXX XXXX card in about XXXX with 0 % interest and {$4000.00} credit line while flying back from seeing my granddaughter in DC. This was heavily pushed by flight attendants. I applied and used it judiciously. Since that time they have raised the card from the introductory rate of 0 % to {$24.00} ( Variable ) reducing my limit without notifying me, and are charging an impossible {$68.00}. monthly interest. They reduced my limit in XXXX and charged me an over limit fee when I did'nt know it was reduced. I HAVE NEVER BEEN LATE ON PAYING THIS ACCOUNT. I have paid large payments on more than XXXX occasion. This credit practice creates the kind of consumer cycle of debt which nobody can get out of and occurs after a " bait and switch ' marketing approach. I am a senior


Complaint_ID: Yes
Date_received:
01/03/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,Mortgage refinance - Title company found judgement against XXXX XXXX form XXXX XXXX. Although the address and date of birth did not match they would not clear title because somehow


Product: probably due to the similar date of birth. XXXX XXXX
Subproduct: however
Complaint_ID: Yes
Date_received:
XXXX XXXX living in XXXX WA made numerous trips to the XXXX over several years around XXXX. She ended up owing XXXX which she defaulted on. XXXX reported this debt to the credit agencies on XXXX XXXX 's SS and then sold it to Asset Recovery who pulled my SS number from a data base


Complaint_ID: Yes
Date_received:
The date of birth was wrong and in XXXX I had dark red hair - I only stopped dying my hair two years ago but you would not know that


Complaint_ID: Yes
Date_received:
Asset Recovery has stopped giving me information as they are realizing they have made an egregious error

Product:
 but admitting that opens them up to a law suit. Collection agencies pull SS from data bases and errors are not uncommon. At our last communication they said "" we are not sure you are this person. '' They will not provide me the date of birth so I can order the medical records from the XXXX

Subproduct:
 because as the last XXXX attorneys I have spoken with have indicated ... the XXXX will have the correct SS #. Gee


Complaint_ID: Yes
Date_received:
In XXXX, HomeBridge called me to inform me that I was late on my payment and they were " attempting to collect a past due debt ''. They called me on my work phone line. I asked them to call back on my cell phone. I ended up spending around 45 minutes talking to someone about my mortgage. He told me that I owed them {$1100.00}

Product:
 which was disconcerting because it was significantly lower than expected. I asked them if they had setup my impound account to pay taxes and home insurance. He said they had not and that I would have to fax my tax documents and my insurance documents to XXXX separate departments! I immediately called my broker from XXXX XXXX


Date_received: I paid my XXXX bill promptly on the XXXX of the month. Then on the XXXX of XXXX
Product: I received another call from HomeBridge saying I was late on my XXXX payment
Issue: who I addressed it to. Again
Subissue: I was at work. Again
Complaint_ID: Yes
Subproduct:
 but they had received my XXXX payment. I told them I mailed the check to the same place as I had in XXXX and the check had been cashed! She asked me to pull up all kinds of information as to where I sent the check


Product: Inc."
Subproduct: CA
Issue: 958XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 12/21/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes complaint represents an opportunity for improvement to better serve consumers,Homebridge Financial Services


Date_received: 12/16/2015
Product: Credit card
Issue: Late fee
Complaint_ID: Yes
Consumer_narrative:
Asked XXXX Chase credit card company to change date of payment for bill to show up with all my other bills. They said they would do so. Subsequently, I missed timely payment by one day. They had not made the change they said they would. Ask for a refund of late fee + interest. They absolutely will not provide me with a credit. I paid my bill in full minus the penalties + interest and card was canceled plus my points voided. Asked again for balance to be zeroed out. They not only will not do so but they have been incredibly and consistently rude and insulting. I have called XXXX. They will not do anything. They ( Chase Bank USA NA ) are now compounding the penalties and interest. They truly seem to enjoy telling me " there is nothing we can do '' and seem in utter delight to belittle and insult me. ( "" You have been previously been informed of our rules


Date_received: 01/04/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
State: INCLUDING THE APPLICATION
ZIP_code: FREE OF CHARGE. A copy of the credit card application shall be available to me
Submitted_via: as it is part of the consumer file ; this means that I do not need to provide a notarized letter
Complaint_ID: given appropriate proof of identity
Consumer_narrative:
I am a victim of ID theft and my previous case # is XXXX. My next step in resolving this issue will be to sue Equifax and XXXX XXXX, therefore, I am reaching out to you one last time to see if we can come to a resolution. I will sue them under section 1681 of the FCRA, ( see XXXX V XXXX XXXX XXXX, US Court of XXXX for the XXXX Circuit ), for defamation and financial inquiry. I filed a police report, AT THE POLICE station, submitted a signed affidavit and someone opened an account with XXXX XXXX XXXX without my knowledge or consent. This account does NOT belong to me. I am including all of the correspondence between myself and this company ; they have already received the letters that I have sent to the credit bureaus, all dispute letters in total should be approximately XXXX. After notifying Equifax multiple times with the required information, the item was never blocked and they did not do their own investigation. Congressional opinion in XXXX v XXXX XXXX, Congress states that once the bureaus are notified that the results are inaccurate, they must go beyond the original source of information and that they have a " grave responsibility '' to ensure the information received by the data furnisher is accurate

Company_public_response:
 which means that they can not simply parrot what the electronic response system states. XXXX 's response states in part : "" Statements were sent to the customer 's address and payments were received on the account before it was past due and charged off. The signature on the affidavit matches the signature on the application therefore XXXX respectfully declines the fraudulent account claim ''. I also received a letter from them which states that I can request a copy of the actual credit card application but that it must be notarized. Under section 609 - Disclosures to consumers ( 1681g of the FCRA )

Company:
 it states that all information in the consumer 's file at the time of the request will be available to me

Date_sent_to_company:
 only that I need to provide a letter requesting such. I have already stated that I am a victim of ID Theft

Company_response:
 which means that I am not the one that opened this account. They state that my driver 's license was "" swiped '' and that the signature matches. By saying that I did not open said account

Timely_response:
 it means that it was not me that brought my driver 's license into this establishment. I would also like to see the handwriting analysis that was done. ( See XXXX V XXXX XXXX XXXX ; if a handwriting analysis would have been done on the disputed fraudulent accounts they would have seen they were not a match ). I have no problem suing this company

Consumer_disputed:
 but I would like to handle this outside of the courts. Under section 605B of the FCRA it states that


Product: Inc."
Subproduct: MD
Issue: 21044
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 12/16/2015
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: given appropriate proof of identity
Date_received:
12/16/2015,Credit reporting,,Unable to get credit report/credit score,Problem getting report or credit score,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 12/16/2015
Product: Debt collection
Subproduct: Mortgage
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Company_public_response: never did such. My lender
Company: XXXX XXXX XXXX
State: went out of business and shuttered its doors in XXXX. Yet
ZIP_code: 3 years later Ocwen Loan Servicing
Submitted_via: LLC ( "" Ocwen '' )
Company_response: 7 months after modification
Timely_response: Ocwen
Consumer_disputed: with the assistance of MERS
Complaint_ID: prepared an Assignment in XXXX XXXX from XXXX Mortgage to XXXX. Thus
Consumer_narrative:
XXXX XXXX XXXX, XXXX, as Indenture Trustee for the Registered Noteholders of XXXX XXXX XXXX XXXX XXXX XXXX ( " XXXX '' ) was to provide notice of assignment within thirty ( 30 ) days of alleged acquisition of my note and mortgage in XXXX XXXX. But

Date_sent_to_company:
 modified my mortgage in XXXX XXXX and used a robo-signer to endorse the modification agreement. Then


Product: LLC"
Subproduct: CA
Issue: 92253
Subissue: Older American
Consumer_narrative: N/A
Company_public_response: Phone
Company: 12/22/2015
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: prepared an Assignment in XXXX XXXX from XXXX Mortgage to XXXX. Thus
Date_received:
12/21/2015,Debt collection,Credit card,Cont'd attempts collect debt not owed,Debt was paid,,,Cavalry Investments


Complaint_ID: Yes
Date_received:
XXXX XXXX ) Purchase from "" my Bank '' on XXXX XXXX for {$20000.00} * Deposited in fraud account on Friday XXXX XXXX ( XXXX ) Purchase from "" my Bank '' on XXXX XXXX for {$2000.00} * Deposited in fraud account on Friday XXXX XXXX XXXX XXXX ) Purchase from "" my Bank '' on Monday XXXX XXXX for {$8000.00} *Deposited in fraud account on XXXX XXXX On Thursday night XXXX XXXX ; I receive a text message via XXXX from my business associate "" ... ... XXXX '' asking if I was still interested in doing the business


Complaint_ID: Yes
Date_received:
I explained and showed him the copies of the cashiers checks and deposit slips ( which was deposited at that same branch ) he said he had to call the corporate claims department and find out what can be done ; he check the account which the funds was deposited into and told me that the funds was still in the account but he would have to get authorization to put a hold on the funds. After he spoke with XXXX XXXX XXXX XXXX different persons on the phone he said to me that he was given authorization to put a hold of the funds in the account and that the bank would be in touch with me. I ask him if I can get the confirmation in writing and he said no

Product:
 all he can do is give me his business card with a note saying he had this discussion with me ; he gave me his card and dated and sign that he had the discussion with me. He then recommended that I go to my Bank


Complaint_ID: Yes
Date_received:
I went immediately to the Police Department and met with Officer ... ... ... ... ... ..phone # ... ... ... ... .... she had me provide her with copies of all the emails and cashiers checks and the name and contact information of my business associate


Date_received: On Monday XXXX XXXX Detective ... ... ... ...
Complaint_ID: Yes
Product:
 called me and told me to go to my Bank and ask them to contact the Bank where i deposited the cashiers checks


Date_received: 12/21/2015
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Company_public_response: has a poor website
Complaint_ID: Yes
Consumer_narrative:
I have mostly federal loans but I have a private loan as well. After graduation, my loan was assigned to XXXX XXXX. That was a great agency. The representatives were always helpful and explained things in detail. My account was then switched to ACS Education Services. I have experienced numerous communication issues with ACS. There is always a lag time between when I submit documents, the acknowledgment of receipt, and processing those documents. On XXXX XXXX, 2015, I resubmitted my Income Based Repayment application because of an error that I made. My payment date XXXX XXXX XXXX ) was approaching and I called on XXXX XXXX for the status of my application after checking the website. I was told the application had not been processed and was offered a temporary forbearance for my XXXX payment. I accepted that. I waited a couple of weeks and called XXXX. I was told my application was processed and approved XXXX XXXX. I did not receive notice of the application approval and was told the application was no longer useful because of the forbearance. I asked the agent, XXXX, if I needed to resubmit the application. She told me no and that she would resubmit it on my behalf. I waited and did not receive any correspondence from XXXX nor was anything updated on the website. On XXXX XXXX around XXXX p.m., XXXX called me ( I found this unusual ) to tell me that I needed to resubmit the IBR application that she originally told me I did not have to submit. I asked her why there was not clear instruction when I specifically asked and what I should do about my XXXX payment. My account was placed in forbearance again " as a courtesy ''. I resubmitted the XXXX application again on XXXX XXXX via fax. I have a fax confirmation. I checked the website XXXX XXXX and received a message that I should check XXXX XXXX. I checked the website on XXXX XXXX and called. I was informed by the representative that my paperwork was received but that it was still pending. I have not received any correspondence or communication from XXXX. I am beyond frustrated because I have had to spend a great deal of time trying to pay the money I owe at a rate that I can afford. ACS is difficult to deal with


Complaint_ID: Yes
Date_received:
01/04/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,I disputed an item on my credit report for a judgement for XXXX XXXX company. I provided Equifax with a copy of the judgement letter that had another person 's name and a different total amount.The person on record was a XXXX XXXX and the amount was {$1200.00}. Dispute having an incorrect name and amount


Date_received: 01/07/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: that I have ask in the past 6 months for them to remove my phone number. Obviously
Company: it has not been done
Complaint_ID: Yes
Consumer_narrative:
I called the number on my answering and gave the reference number, and it is not for my family. I informed this " XXXX XXXX '' at the number that I did n't know the person the debt belongs too. I also informed her that since this is a recorded line


Complaint_ID: Yes
Date_received:
To date, after numerous calls and letters to XXXX XXXX, CEO, Nationstar Mortgage, we have not received the Reconveyance. Instead, we have received documents recorded by Nationstar on XXXX/XXXX/15 transferring the ( loan ) property to other entities. On XXXX/XXXX/15, another document was received " Substitution and full Reconveyace '' recorded on XXXX/XXXX/15 from Nationstar to XXXX XXXX XXXX. This is not a reconveyance on behalf of us


Date_received: 12/26/2015,Debt collection,Other (i.e. phone
Product: health club
Subproduct: etc.)"
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: or says that "" They do n't have to provide me with information/validate the debt ''. Additionally
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX has refused to provide me with any documentation regarding the alleged debt or with any contact information for her company. I have asked for the debt to be validated every time we have spoke and she either ignores my request, states that " it has been to long now and she does n't have too ''

Company:
 I have requested that the company to cease and desist contacting me. XXXX XXXX has ignored my request and continues to call. They claim the debt is from unpaid rental fees


Date_received: 12/27/2015
Product: Student loan
Subproduct: Non-federal student loan
Issue: Getting a loan
Subissue: Qualify for a better loan than offered
Consumer_narrative: Upon beginning classes through the XXXX XXXX ( " XXXX '' )
State: I was notified on several occasions by the director
ZIP_code: president
Submitted_via: and other financial advisors at XXXX that I had to start making payments on my student loan
Date_sent_to_company: and was threatened to be expelled from XXXX and
Company_response: if I neglected to start making payments on the loan
Timely_response: that XXXX would report this on my credit bureau as a delinquent loan balance. So
Consumer_disputed: I contacted XXXX to establish a repayment plan
Complaint_ID: but was told that there was no repayment plan that could be offered. In or around XXXX XXXX
Company_public_response:
 I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX ( "" XXXX '' ) ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then

Company:
 a few months after I began my studies at XXXX ( and while still attending there as a full-time student )


Product: LLC"
Subproduct: OH
Issue: 432XX
Subissue: Servicemember
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 12/30/2015
State: Closed
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: but was told that there was no repayment plan that could be offered. In or around XXXX XXXX
Date_received:
,Company believes complaint caused principally by actions of third party outside the control or direction of the company,Campus Student Funding


Complaint_ID: Yes
Date_received:
The second issue. After my closing was delayed XXXX times ( yes XXXX times ) by NFM I finally reached the night before closing. I received a call from NFM that there was a {$2000.00} surplus from the XXXX grant ( which they knew all along ) and in order for them to apply it to the loan amount they would have to generate new documents delaying the closing an XXXX time


Date_received: 12/27/2015
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company_public_response: I have paid {$34000.00} ( {$23000.00} in interest
Complaint_ID: Yes
Consumer_narrative:
I have been battling with AES since XX/XX/XXXX. I informed them that due to the lack of hours at my current employer, I could no longer afford to pay {$710.00} per month and I was currently in the process of obtaining a XXXX job. I even offered an amount of roughly half the monthly amount ( which would be extremely pushing my monthly budget ). Most recently I have sent multiple letters to AES and their XXXX party collection group XXXX XXXX, requesting that they send the original copies of all documents proving that this " debt '' is valid. The only responces I have received from AES is the current balances on each of the individual XXXX loans. AES continues to harrass myself and the co-signer which happens to be my retired father. I have tried working out a reasonable solution with AES which they refuse to budge because it is considered "" private student loan ''. Per their records

Company:
 {$10000.00} in principle and {$10.00} in late fees ) since I have been in repayment. How is that possible when the original amount on these alleged loans is {$62000.00} but the current balance is {$81000.00}? AES yet again fails to provide any copies of documentation from the years XX/XX/XXXX-XX/XX/XXXX that shows any signatures from myself and/or co-signer validating the alleged XXXX loans. However

State:
 they continue to send emails stating pay now or your credit rating will be affected or place calls to my contact number on Saturdays and Sundays when their office is closed ( business hours are XXXX XXXX through XXXX XXXX Monday through Friday EST


Product: 2015. I think they are trying to collect for XXXX
Complaint_ID: Yes
Date_received:
12/27/2015,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,I have been getting calls about a debt that is not mine. I just checked my credit report and found GC Services on it with an address of XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX and a debt of {$140.00} turned over on XXXX/XXXX/15 ... interesting because I filed bankruptcy in XXXX


Date_received: 01/19/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: XXXX as trustee for Option One Mortgage Loan Trust XXXX
Company: Asset-Backed Certificates
State: XXXX XXXX ( "" Assignee '' ) on XXXX XXXX
Company_response: XXXX XXXX District Registry of Deeds
Timely_response: states that XXXX XXXX
Consumer_disputed: person who signed the Assignment of Deed of Trust
Consumer_narrative:
XXXX XXXX XXXX f/k/a Option One Mortgage Corporation, a XXXX Corporation ( " Assignor '' ) is attempting to transfer an assignment of deed of trust to XXXX XXXX XXXX

ZIP_code:
 XXXX. XXXX XXXX retroactively attached our mortgage to a securitized trust that was closed and sold to investors 5 years earlier

Submitted_via:
 the bank violated a XXXX law that prohibits fraudulent real estate filings. This assignment of deed of trust was signed by a known robo-signer XXXX XXXX. Declaration from President of XXXX XXXX XXXX f/k/a Option One Mortgage Corporation

Date_sent_to_company:
 a California Company from XX/XX/XXXX that XXXX XXXX XXXX is no longer engaged in the servicing of residential mortgage loans. XXXX XXXX has no servicing rights and does not own any residential real estate mortgages. Affidavit from XXXX XXXX

Complaint_ID:
 is listed on XXXX XXXX XXXX Approved Robo-signers list. Our Chain of Title has been corrupted. OOMLT XXXX was contractually closed from conducting business after the closing date of XXXX/XXXX/XXXX. 


Product: assign
Issue: dated XX/XX/XXXX and recorded by File No. XXXX
Subissue: of the Official Public Records of Real Property of XXXX County
Consumer_narrative: Texas
Company_public_response: encumbering the real property described as follows : Lot XXXX XXXX XXXX
Company: a subdivision in XXXX XXXX
State: XXXX
ZIP_code: According to the Map or Plat of Record in cabinet XXXX
Submitted_via: Plat records of XXXX County
Date_sent_to_company: XXXX ( Property ) Street Address : XXXX XXXX XXXX XXXX
Company_response: XXXX XXXX
Timely_response: XXXX XXXX. This assignment of deed of trust is recorded by File No. XXXX
Consumer_disputed: of the Official Public Records of Real Property of XXXX County
Complaint_ID: XXXX. This illegal behavior by Ocwen Loan Servicing
Date_received:
Any attempt to assign the subject loan to the trust after the cut-off date would be in direct contravention of the laws governing the Trust ( PSA ) and thus rendering the fraudulent assignment of deed of trust filed on XX/XX/XXXX in the XXXX County Land Records office void. Ocwen is still engaging in illegal behavior. The assignment of deed of trust is attempting to sell

Subproduct:
 transfer and convey unto Assignee that certain Deed of Trust executed by XXXX XXXX XXXX and XXXX XXXX XXXX


Date_received: 12/21/2015,Bank account or service,Other bank product/service,Making/receiving payments
Product: sending money"
Consumer_narrative: the automated response asks me for the account number or other identifying info. which I
Company_public_response: of course
Company: do not have. When I called the main number and finally was able to speak to a live person
Complaint_ID: XXXX. This illegal behavior by Ocwen Loan Servicing
Issue:
For many months now I have received automated calls to my number XXXX, often twice daily from the Synchrony Bank requesting contact with XXXX XXXX. I am not XXXX XXXX, I do n't know anyone by that name. XXXX XXXX has never lived on my address. I received my phone number about two years ago from XXXX XXXX XXXX Apparently it was a " recycled '' number and may at XXXX time have been the number for the XXXX family ; I also received many other calls intended for various members of the XXXX family

Subissue:
 but the Synchrony Bank calls are the most annoying ones. My attempts to discuss the matter with Synchrony Bank have failed because when I respond to a call

State:
 I was transferred to XXXX different departments and finally to the "" Fraud Department ''. The connection with the "" Fraud Department '' was so bad that I could not understand them and they could not understand me. At one point I was told that I have XXXX accounts with the Bank. I tried unsuccessfully to inform them that I have never had any account or any other dealings with Synchrony Bank. I also have tried call blocking through XXXX which gave me relief for XXXX short time but then the Bank apparently switched to another number from which to call me. So

ZIP_code:
 the calls continue. I would greatly appreciate if you could communicate with the bank in my behalf. I am XXXX years old


Date_received: 01/04/2016
Product: Credit card
Issue: Customer service / Customer relations
Complaint_ID: Yes
Consumer_narrative:
I take 0 % interest cash advances on my Bank of America credit card ( paying the one-time fees ). Usually I have more than XXXX borrowing tranche outstanding, each with its own expiration date for the 0 % interest rate. Some time ago the section of the monthly statement titled " Interest Charge Calculation started showing a zero in the column headed "" Balance Subject to Interest Rate '' for each XXXX

Company_public_response:
 making it impossible to verify the amount that will need to be paid off at the 0 % expiration rate without calling the bank. This information used to be furnished on the statement. I will attach a PDF of my statement so you can see that this information is in a table that logically could and should include the balances of each tranche. I pay attention and do the phone call


Date_received: 01/04/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
State: again
Complaint_ID: Yes
Consumer_narrative:
XX/XX/2015 I was treated at a XXXX and incurred expenses of near {$3000.00} that were my responsibility. As my HSA account did not have that much in the account, I established a payment plan with XXXX XXXX to pay something around $ 300/mos. I never received a statement from them and missed the subsequent payment. I attempted to make a payment online and was told I only made partial payment and given another number to call. I called that number and made a new payment of $ XXXX/mos which I was told was my new payment plan amount. I did not realize at the time that this was a collection agency, BCC Financial. As the same time of the month was nearing XX/XX/XXXX, I was again looking for a statement from XXXX XXXX and had not received one. I was very busy and it slipped my mind as I mostly use online banking or paper bills for things that are n't " usual '' bills for me. XXXX from BCC Financial called on XX/XX/XXXX and said she was calling to collect on a debt for XXXX XXXX. I was very angry at that point and told her all about my payment plan and how I had never received any statement. She assured me that she would get it straight and I would get statements from her. She then immediately offered me a XXXX % settlement if I paid in full. I refused because I owed the balance

Company_public_response:
 although I was capable of paying I also asked if the XXXX % settled balance would report to my credit as a charge off. She could n't answer that question. I asked if my account could be paid back up to date and sent back to XXXX XXXX

Company:
 she said no. But then again assured me I 'd receive my monthly statements. No statement in XX/XX/XXXX. I needed to call them myself in XX/XX/XXXX to make them aware

ZIP_code:
 that I had no statements. I needed to get my account number from them to make a payment online. I repeated my concern about not receiving statements

Submitted_via:
 not being able to monitor the progress of my account and if my payments are actually being applied to my balance. The woman I spoke with continued to assert that they HAD been sending me statements. Giving me the impression that she was accusing me of lying. Then here we are again-no statement received in XX/XX/XXXX


Product: Inc."
Subproduct: SC
Issue: 29483
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 12/21/2015
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
12/21/2015,Debt collection,I do not know,Communication tactics,Frequent or repeated calls,,Company believes complaint caused principally by actions of third party outside the control or direction of the company,Niagara Capital Associates


Product: and have added it to my Trans Union and XXXX credit reports as a brand new Unpaid Charge Off Debt
Subproduct: plunging my credit score
Issue: they have done this for the past 3 years every XXXX
Subissue: the most recent is XXXX XXXX XXXX. I live in Colorado and the statue of limitations is 6 years
Complaint_ID: Yes
Date_received:
01/13/2016,Credit reporting,,Incorrect information on credit report,Account status,XXXX has Charged off a XXXX in XXXX


Subproduct: ( 5 )
Issue: ( 8 )
Subissue: ( 9 )
Consumer_narrative: ( 10 )
Company_public_response: ( 12 )
Company: ( 13
Complaint_ID: Yes
Date_received:
01/13/2016,Debt collection,I do not know,Taking/threatening an illegal action,Sued w/o proper notification of suit,Calvary SPV 1

Product:
 LLC has taken an action they are not legally entitled to take violating Title 15 U.S.C. 1692 ( e ) ( 2 ) ( a )


Date_received: 01/19/2016
Product: Other financial service
Subproduct: Debt settlement
Issue: Customer service/Customer relations
Complaint_ID: Yes
Consumer_narrative:
Nationwide bi-weekly administration has been sending me things in the mail for the last 2+ years advertising a program they have to pay off your home mortgage in 21 years instead of 30 by them taking half of your monthly payment out every 2 weeks and paying it to the bank so you make an extra payment every year. I agreed to this program and in exchange they charged me half of my first years extra payment as their fee. After a year my mortgage was transfered to a new lender and they said in order to set it up again they would have to charge me again. So reluctantly I paid them again approximately a year ago. I received a phone call yesterday from the company that has my home loan, XXXX, stating that they have n't received a payment since XXXX XXXX and that I now have a late fee on my account. I immediately called nationwide bi-weekly administration to discuss the issue. They informed me that they are having issues with banks and that they are no longer able to withdraw money to make the payments for their customers. I said that 's fine, refund me the money I 'll do it myself ( I learned I can do it through my bank for free with no hassle at all ) to which the supervisor I was speaking to responded " it is our business policy that we will not refund the initial set up fee I 'm sorry '' I said that 's fine


Date_received: 01/13/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
Bank of America charged me a {$35.00} overdraft fee on or around XXXX XXXX. I contacted XXXX to insure they would not attempt a second request for payment electronically and subsequently requested Bank of America XXXX XXXX XXXX branch close my account on XXXX XXXX. The teller refused to close my account and insisted that I had to speak with an account representative elsewhere in the branch. I did not have the time nor do I think it is necessary for me to explain to anyone why I am leaving their bank. As a result, they have charged me an " extended overdraft fee '' for another {$35.00} and $ XXXX monthly maintenance fee. Their banking practice is extorting money at the expense of consumers requests to leave. I am concerned about their actions


Date_received: 01/07/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
Case # XXXX - continued I did not find a place on the original complaint to add more information. Today I received a package of the same XXXX that BOA posted on this site. The letter still does not tell me why I do not qualify for a HARP. It states that " the mortgage loan account is not eligible for the HARP due to program guidelines due to the previously implemented loan modification. '' On the XXXX website there is a quiz with the following questions : 1. My loan closed on or before XXXX XXXX


Subproduct: XXXX My Answer : XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Date_received:
My Answer : Yes Link to site : XXXX The BOA website lists the HARP requirements as follows : "" You may be eligible to refinance your home loan under the Home Affordable Refinance program ( HARP )

Product:
 if : 1. Your home loan is owned by XXXX or XXXX XXXX My Answer : XXXX 2. Your loan was sold to XXXX or XXXX XXXX on or before XXXX XXXX

Issue:
 XXXX XXXX 3. You 're current on your mortgage payments My Answer : Current since XXXX XXXX 4. Within the past twelve months


Complaint_ID: Yes
Date_received:
My Answer : Current since XXXX XXXX XXXX. Within the six months immediately before you apply for your refinance


Product: I become ineligible for a HARP. '' If there is documentation stating the aforementioned quote
Subproduct: please provide it to me. My original modification was not a HAMP
Complaint_ID: Yes
Date_received:
There are no guidelines that I can find which state the reasons why I am not eligible to refinance under HARP. No where does it state that "" if I had a modification granted

Issue:
 but a bank proprietary modification. Based on the HARP guidelines listed on both BOA and XXXX websites

Subissue:
 I am eligible. Please provide me with the answers to the above questions in writing. I am a responsible hard working tax payer and I am not giving up on this until I get truthful and legitimate answers to my questions in writing. If BOA is telling the truth


Product: Inc"
Subproduct: SC
Issue: 29206
Subissue: Servicemember
Consumer_narrative: N/A
Company_public_response: Phone
Company: 12/22/2015
State: Closed with explanation
ZIP_code: No
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/21/2015,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company disputes the facts presented in the complaint,General Information Services


Date_received: 01/04/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Having problems with customer service
Complaint_ID: Yes
Consumer_narrative:
I contacted you about Navient XXXX/XXXX/XXXX. They contacted me saying they never got the XXXX paperwork from my doctor. I was on the phone with them on XXXX/XXXX/XXXX at XXXX XXXX and spoke to " XXXX '' in the "" advocate 's office. He aid I could email the doctor 's XXXX page form. I sent the doctor 's form as a XXXX page PDF document via email to XXXXXXXXXXXX "" XXXX : XXXX XXXX '' per XXXX 's instructions. I stayed on the phone until "" XXXX '' confirmed they received the doctor 's signed forms AND could open them. XXXX said XXXX will contact me if any other information is needed


Subproduct: XXXX
Issue: XXXX
Complaint_ID: Yes
Date_received:
Navient called me in XXXX about the bill saying THEY NEVER GOT the doctor 's forms. This is puzzling due to my email record of the items sent AND my conversation with "" XXXX '' NOW there is a new FDCPA violation. I was called 4 times in one day and talked to them each time on XXXX/XXXX/XXXX. As an ex collection agency employee

Product:
 I can call many times if i get a busy or no answer but if I talk to a debtor to make a demand I really should not all XXXX times in a day. If I did not have money at XXXX


Complaint_ID: Yes
Date_received:
so the facts : ( 1 ) I did send in the first XXXX forms via email and Navient is denying receipt ( 2 ) XXXX calls in a day to make demands ( I kept them on the line for evidence that their call lasted longer than a message ( 3 ) refusal to acknowledge that if I was XXXX per Social Security I HAVE A NEW diagnosis with mental health that Navient will not give me time to prove ( 4 ) I told Navient per XXXX I had to wait until after XXXX XXXX


Date_received: 01/19/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company_public_response: XXXX. Subsequently
State: I have been in contact with the bank on a monthly basis with respect to this matter
Submitted_via: XXXX
Date_sent_to_company: I wrote to XXXX XXXX XXXX
Company_response: the bank 's President and COO
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, XXXX, I requested that a check be issued to the order of XXXX XXXX, through my bank 's online bill payment system, in the amount of {$3700.00}, The bank duly issued check number XXXX. After three weeks XXXX XXXX informed me that she had not received the check. Upon investigation, I learned that the check had cleared the bank, but the payee line had been crudely amended to add the phrase " or XXXX XXXX ''. I reported this to the bank on XXXX XXXX

Company:
 XXXX XXXX submitted an affidavit to the banks stating that she had nor received nor cashed the check in question. The bank acknowledges receipt of this affidavit. In the intervening months

ZIP_code:
 each time requesting that the money be returned to my account. The bank 's customer service personnel repeatedly tell me that the matter is under investigation and that they can not / will not refund the money to me until their investigation has been completed. The bank 's customer service personnel will no longer return my calls. On XXXX XXXX


Complaint_ID: Yes
Date_received:
My JCPENNEY account should be re-opened and my information should NOT be reporting on my credit report as "" closed '' due to "" inactivity ''


Complaint_ID: Yes
Date_received:
As stated : My home loan was on track to be modified by bank of America in XXXX before this company began to service the loan in XXXX. Thus


Product: HUD
Complaint_ID: Yes
Date_received:
My complaint is valid because XXXX chose not to offer me the sensible repayment or HAMP modification. Based on The guide lines that are not part of XXXX and investor requirements is unlawful in AZ. My debt to income shows in fact that I need credit card to cover my necessary monthly expenses. I should be granted a workout because I 'm beyond qualified to support and not default on a reduced payment. Plus XXXX said I have enough to sustain a "" mortgage payment ''. The banks got billions in XXXX funds to help Americans stay in their homes and remedy the bank 's wrong doing dating back to XXXX. Plus they signed and agreed to negotiate in "" goof faith '' to end suffering of responsible borrowers like myself. The decision to foreclose is illegal during the holidays with a nation wide moratorium. They 're allegedly breaking the rules of TARP refinancing set by XXXX of the XXXX which are being enforce by the dept of treasury


Product: XXXX. A sale date is currently scheduled for XXXX XXXX
Subproduct: XXXX. Again : pursuant to executed settlement
Complaint_ID: Yes
Date_received:
As remedy : Postponed the sale as scheduled and offer me an affordable modification per the settlement they signed. I want to keep my home so I can provide for my family as a high school teacher. The property was referred to foreclosure on XXXX XXXX


Complaint_ID: Yes
Date_received:
XXXX 's records indicate a recent complete loan modification request was received and submitted for review on XXXX XXXX


Date_received: 12/22/2015,Debt collection,Other (i.e. phone
Product: health club
Subproduct: etc.)"
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Company_public_response: first in XXXX/XXXX/XXXX
Company: XXXX XXXX collection agency for XXXX Account
State: then in XXXX/XXXX/XXXX IC Systems in XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
XXXX has been attempting for over two years to collect for an iPhone that I had " refused shipment on and they sent me an email that they had received the iPhone back in their factory. Yet for over two years XXXX has turned over to XXXX separate debt collection agencies


Date_received: 12/22/2015
Product: Prepaid card
Subproduct: Gift or merchant card
Issue: Managing, opening, or closing account
Company_public_response: then I would have to pay a check-issue fee. Otherwise
Complaint_ID: Yes
Consumer_narrative:
This T-Mobile card was advertised with various benefits for T-Mobile wireless customers. However, they were unable to verify my identity as a T-Mobile wireless customer despite many attempts. I am not told which information does not match up. Just that the " system '' can not verify my identity and that I should check "" Public records '' to make sure everything is correct. Then I am told that if I want a refund of the amount on the card


Date_received: 12/22/2015
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Complaint_ID: Yes
Consumer_narrative:
Equifax is pretending that they ca n't read disputes. I find this very destructive to consumers when they use this type of delay tactic. My dispute was CLEAR and PERCISE and you can see for yourselves as I 've attached it. Against my consumer rights they respond with " PLEASE BE SPECIFIC WITH YOUR CONCERNS BY LISTING ACCOUNT NAMES


Date_received: 01/19/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: four months later
Submitted_via: particularly XXXX XXXX military members like myself
Date_sent_to_company: into civil upset due to unexpected required payments that
Company_response: if not met
Complaint_ID: Yes
Consumer_narrative:
Good afternoon, My family and I purchased a home using a VA Loan this past year and subsequently saved up and paid one month in advance in order to get on that organization 's " Budget Plan ''. The Budget Plan was explained to us as a way to divide the standard mortgage in half over XXXX paychecks instead of taking the larger whole sum out of XXXX paycheck. Now

Company:
 we 're being charged XXXX half payments in our second paycheck of the month in spite of already having paid the first and second half-payments this month. This is n't due to any delinquency on our part. We 've been excellent customers

State:
 paying all listed fees in advance or via auto-pay. This is due to the way the Loan office has programmed the payments "" every other Friday ''. So not only is the VA 's "" Budget Plan '' a misnomer

ZIP_code:
 and the intentions of the plan false. It also has the potential to put those contracted with the office


Date_received: 12/22/2015
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
Company_public_response: family
Company: or customers your personal PayPal.Me link wherever you talk to them - text
State: email
ZIP_code: or post. They click the link and enter the amount - no cash
Submitted_via: no checks
Date_sent_to_company: no awkwardness. '' It promised fast
Complaint_ID: Yes
Consumer_narrative:
I was owed money, and the person who needed to pay me offered to do so via PayPal. After looking at PayPal 's website, which promised, " Send friends

Company_response:
 easy transfer. What it did n't say was that the funds would be held by PayPal for 21 days. Had I known that PayPal would sit on the money for XXXX WEEKS I would have asked for a check or cash. PayPal gives the sender the impression that money was delivered right away


Date_received: 12/22/2015
Product: Credit card
Issue: Closing/Cancelling account
Complaint_ID: Yes
Consumer_narrative:
My name is XXXX XXXX, On XXXX/XXXX/2015 I logged onto my online Capitol One Account and requested to close my account. I had no balance due at the time. I began an online chat with a Capitol One associate and proceeded to begin to close my account. Before closing the account I asked the capitol one associate, if I owed anything on the account. He replied " No '' rather he told me that I had credit for {$2400.00} in which they were going to mail to me in the form of a


Complaint_ID: Yes
Date_received:
On XXXX/XXXX/2015 I was billed {$3000.00} by capitol one for a "" CASH ADVANCE ADJUSTMENT '' On XXXX/XXXX/2015 I was again billed {$3000.00} by capitol one for another "" Adjustment '' I apparently now owe Capitol One {$6000.00}

Product:
 2 months after closing my account and receiving a "" credit balance refund check. '' for {$2400.00} from them. May I please add that my account with them had a {$3000.00} CREDIT LIMIT! How can I possibly owe them {$600.00}?? Now my credit is being affected


Date_received: 01/08/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I have a Bank of America mortgage. I was behind by one payment so I called in to try and set up some type of arrangement. They put me on a plan so that I could get caught up but I was still making normal payments. They wanted me to pay an extra {$3000.00} for this payment arrangement plan. In the mean time, they put a code on my account to where all payments that I was making was being put into another account and not being applied to my account. I explained to them that I did n't want their help or arrangement. This has been 6 months now. I have to call in each time to make my payment and then call back in to have my funds authorized to be moved from the account that Bank of America set up to be applied to my mortgage. I am now being told it will be another 6 months before the " code '' is removed. In the mean time

Company_public_response:
 I have to call in each time. Talking to the CSR 's is like talking to the wall. They are not helpful and you have to spell everything out to them to get anything done. They do n't care about my time or the frustration that this situation is causing me. Because the funds are in this other account


Product: Inc."
Subproduct: TN
Issue: 37211
Consumer_narrative: N/A
Company_public_response: Referral
Company: 12/22/2015
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
12/22/2015,Credit reporting,,Incorrect information on credit report,Account status,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 01/08/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Bank of America must deal with me. BOA is not on the loan and neither am I. BOA
Company: thru their lawyers
State: XXXX XXXX
ZIP_code: and before that
Submitted_via: XXXX Hawaii
Timely_response: and to join
Consumer_disputed: and to reconsider the denials
Consumer_narrative:
I own a fee simple property on XXXX XXXX in XXXX, HI since XXXX. The borrower was formally discharged from the obligation in a bankruptcy ch. XXXX " no asset '' case in XXXX. I am the the fee simple title owner and therefore

Date_sent_to_company:
 deliberately blocked me from the case which deprived me of my right to be heard and to defend my property. By intentionally omitting me from being able to speak in the case to protect my interest in the property

Company_response:
 nothing has been resolved and I have been denied my due process rights. Despite numerous objections and attempts to intervene

Complaint_ID:
 they would not let me become a party to the case. I filed for injunctive relief and declaratory judment and all to no avail. I also filed a verified affidavit with numerous exhibits that prove that I am the title owner and BOA has not produced any evidence to show they have any right to enforce the note. They are not the holder of the note


Date_received: 01/04/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
State: but only would email it to me. ( see attached ). I called XXXX bank
ZIP_code: they confirm I did have a checking account ending in that number
Complaint_ID: Yes
Consumer_narrative:
I received phone message from company looking for me with maiden name. I tried calling the company back and phone rang and rang for over 10 minutes with no answer or company voicemail. I called the next day and spoke with a woman from the company. She claims she represents a debt collection company ( NPGLLC ) and they are trying to reclaim a loan that was taken out in XXXX under the name " XXXX XXXX '' ( I was legally married XXXX and my name was legally changed in XXXX ). The woman states loan was deposited to XXXX checking account ending in XXXX by a company called XXXX XXXX. They also claimed I worked for a previous employer at the time of the loan. When I asked the woman to speak more slowly as I was trying to write down what she was saying

Company_public_response:
 the woman became flustered and rude. The company claims that I took a loan out for {$300.00} and now the balance is {$710.00} but if I paid today it would be settled for {$400.00}. I told the woman I felt that I was being scammed and that I was disputing this claim and that I needed to contact the proper authorities. I asked her if this claim was valid

Company:
 why has it never shown on my credit report and she claimed that it was because small amounts from payday loans do not reflect on a persons credit report. I know for a fact this is false. She told me that if I did n't pay now I 'd lose the opportunity to save the additional money for repayment. I asked for all documentation regarding this claim and she would not mail it to my home


Date_received: 01/08/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: every date
Complaint_ID: Yes
Consumer_narrative:
***Nationstar is now guilty of additional fraud and intentionally misleading a government official by filing false information in a Government report. *** FIRST LIE ~ " Please note that we are unable to attest to any actions of the prior servicer. '' ~ They have a full accounting of every action that happened


Complaint_ID: Yes
Date_received:
THIRD LIE ~ "" Escrow shortage '' ~ Every payment has been made and most of them were substantially higher than we were told in the loan disclosure process. This has been a criminal scam from day XXXX. I am amazed at the lying


Complaint_ID: Yes
Date_received:
FOURTH LIE XXXX "" They provided evidence of a crime and presented it as evidence of innocence. ... See XXXX prior service EA '' The attached form clearly shows a monthly payment of XXXX {$500.00} less then the XXXX XXXX payment of {$1300.00}. It is amazing that they have the ability to lie while presenting proof of guilt. That shows how far out of control this company is. No fear of anyone


Date_received: FIFTH LIE ~ "" Please reference the enclosed Escrow Analysis dated XXXX XXXX
Product: XXXX
Issue: somehow
Complaint_ID: Yes
Subproduct:
 which reflected an Escrow Shortage in the amount of XXXX "" Every payment was made on this loan yet


Date_received: SIXTH LIE XXXX "" Our records indicate that you also spoke with a representative on XXXX XXXX
Product: XXXX
Issue: obviously
Subissue: lies
Consumer_narrative: lies
Company_public_response: and more lies. They have harassed me
Company: abused me
State: and sent people by to embarrass me by hanging notices on my door
Complaint_ID: Yes
Subproduct:
 who confirmed the aforementioned to you. '' ~ Their customer service is intentionally unhelpful and they were dishonest and breaking several laws when I spoke with them. Once they identified the fraud and the crime it was their LEGAL OBLIGATION to correct it by writing it off and apologizing. Since that date all we have seen is crime and cover-up and


Subproduct: even the most basic or B ) It 's intelligent people perpetuating a criminal fraud on helpless
Issue: unsuspecting consumers. IF they are simply inept
Complaint_ID: Yes
Date_received:
ADDITIONAL FACTS ~ IT APPEARS TO BE A CRIMINAL ENTERPRISE I believe all of these other fraudulent activities are part of their long term business plans. They are too consistent and too well organized to be accidents. Huge escrow errors send the consumers scrambling and make them unable to pay the payment. Next

Product:
 the servicer fails to help intentionally. These organizations are full of people with XXXX Degrees. We have to believe that A ) None of them can do any math


Product: your employee rudely balked back "" No
Complaint_ID: Yes
Date_received:
I had to fight with TD bank for almost a month to recoup these fees. I encountered the most indignant, unempathetic, and rude, customer service that I have ever experienced in my life. I called customer service over six different times, and visited a branch in person on three separate occasions in attempts to settle this incident. Every employee that I encountered, including supervisors, were extremely rude and told me that " the overdraft fees were not their problem ''. When I spoke to an employee over the phone and told him that this was TD banks problem to fix


Date_received: Additionally
Complaint_ID: Yes
Product:
 no notes were ever made on my account ( after it was promised that it would be ) which meant I had to retell each TD phone customer service representative the 10 minute background narrative


Date_received: Not knowing where to turn
Complaint_ID: Yes
Product:
 I eventually conducted a three way phone call with XXXX regional supervisor and a TD Bank supervisor. During the call

Subproduct:
 the TD bank supervisor argued with XXXX claiming that THEY needed to give me the {$140.00}. XXXX responded that they could not give me money back that they did not take in the first place. XXXX refunded me the {$560.00}

Issue:
 but TD bank issued the {$140.00} charge. TD Bank owed me the reimbursement. After an hour on the phone with the XXXX representatives

Subissue:
 the XXXX supervisor warned that TD bank was opening themselves up for a lawsuit - profiting from a fraudulent charge is against the law. Only at that moment did TD Bank finally agree to refund me my {$140.00}


Date_received: My third account with TD bank
Product: a money line of credit
Subproduct: had a balance when I closed my checking and savings account. I paid it off in three weeks
Subissue: via email
Consumer_narrative: and online. I 've sent numerous emails
Company_public_response: faxed a letter from a physical branch
Company: mailed a letter to their headquarters
Complaint_ID: Yes
Issue:
 and have been trying to close this account ever since. I have now requested for my TD bank money line account to be closed at least XXXX times - in person


Complaint_ID: Yes
Date_received:
XX/XX/XXXX I received a bill from TD bank stating that I owed them XXXX dollars by XX/XX/XXXX for the money line account annual fee. This is absurd. I have been trying to close this account for months


Complaint_ID: Yes
Date_received:
01/08/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,Sometime in 2015 I went to see a XXXX at XXXX XXXX XXXX 

Product:
 XXXX about a XXXX XXXX. XXXX XXXX wanted me to XXXX for 24 hours. I informed XXXX XXXX I had no insurance and could not afford the XXXX. XXXX XXXX gave me a form to take to XXXX XXXX for patient assistance. At XXXX XXXX I spoke to a XXXX XXXX who I specifically told if there would be any cost I could not have the procedure. She told me the hospital would cover the cost. Later when I received a bill from the hospital and a bill from the XXXX I called XXXX XXXX to ask why I was receiving bills at which time she told me that the financing had not caught up with the billing and I should just ignore the bills. Now I am receiving letters from a debt collector from the XXXX. I am being told that there was a XXXX who had to read the XXXX and that was who the bill was owed to. I asked XXXX XXXX why she had not informed me there would be a bill when I had specifically told her if there was ANY cost I could not have the procedure. She told me there was nothing she could do about it. I have no income and just a small amount of money to live on that I inherited and could not justify spending any money on this procedure


Date_received: 01/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Complaint_ID: Yes
Consumer_narrative:
XXXX is listing wrong information on my credit report. XXXX sent me a " statement balance. '' The statement balance is wrong because the payments that I have made have not reduced the balance on the loans. In addition


Date_received: 01/22/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Complaint_ID: Yes
Consumer_narrative:
I overdrafted my account at the ATM in order to pay a bill but immediately deposited cash back into the ATM in order to bring my account back over XXXX dollars in positive balance. SunTrust 's policy is to waive overdraft fees if they are covered in the same day. The next morning I woke up to see that SunTrust had charged me XXXX dollars in overdraft fees in order to bring my account overdrafted again. As I already deposited all my cash into the ATM, I ca n't do anything to bring the account back into the positive. When I called and talked to multiple supervisors and managers, they said they would lower the fee by XXXX dollars as a once-per-year courtesy but they could n't do anything else. They said if I deposited money into the ATM literally " minutes '' earlier I would have been charged nothing. I find this to be extremely predatory and a trap to keep me in debt so that they can keep racking up their exorbitant overdraft fees. As a new customer who recently joined SunTrust and linked my direct deposits with their bank account


Date_received: 01/13/2016
Product: Credit card
Issue: Other
Company_public_response: they awakened me out of a sound sleep at XXXX. PST. I am recovering from XXXX
Company: and did not appreciate being awakened. I looked on the CitiBank web site
ZIP_code: non-published phone number
Complaint_ID: Yes
Consumer_narrative:
I do not have a CitiBank credit card. I have never had a CitiBank credit card. Yet, this company keeps calling me regarding my supposed " account. '' Today

State:
 and did not see the phone numbers that were left for me. I was told to call "" XXXX. '' The phone number on my caller ID was "" XXXX. '' I am also on the "" Do Not Call '' Registry. I would like to know where CitiBank got my private


Date_received: In addition
Subproduct: using my name or personal information
Complaint_ID: Yes
Product:
 I discovered in 2015 that I am the victim of major identity theft. If someone opened up a fraudulent account with CitiBank


Subproduct: my savings are now depleted
Complaint_ID: Yes
Date_received:
01/19/2016,Student loan,Non-federal student loan,Can't repay my loan,Can't temporarily postpone payments,I have XXXX loans ( XXXX school ) that combine to XXXX from Wells Fargo. I have been looking for employment since XX/XX/XXXX -- approximately 6 months before graduation and 16 months from today --

Product:
 and since then I have been unable to find any. I am living with my mother for the first time in a decade


Date_received: When I contacted Wells Fargo last month ( XX/XX/XXXX ) in our ongoing conversation about this issue
Subproduct: but the representative I spoke to refused to extend the forbearance to me
Issue: despite the fact that his colleague offered me the option before
Complaint_ID: Yes
Product:
 a representative told me that I was eligible for further 2 month forbearance on each loan. I called today to arrange these forbearances


Product: Inc."
Subproduct: FL
Issue: 33905
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 01/14/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/13/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Product: with a link to view this information
Subproduct: which took me to their website
Issue: which I had to log onto
Complaint_ID: Yes
Date_received:
American Express opened and closed the dispute process 3 times. During this 5 month period, it has been the worst customer service I have ever received from a company. Each dispute process was the same. They opened it and sent me emails saying they had " important information '' for me

Subissue:
 which did not have a "" message center '' to view the information. I called them to ask for an email address to forward emails from the company I was disputing the charge from. They said I had to upload documents to their "" message center ''. A customer service rep walked me through the ridiculously convoluted process of uploading a screenshot of an email to the message center. To this day


Product: they put me on hold
Complaint_ID: Yes
Date_received:
The communication consisted of me calling every once in a while to find out what was going on with the investigation & being told the investigation was closed. When I asked whether they considered the information I uploaded they could n't tell me. When I asked to speak to a supervisor


Date_received: In the end
Product: it was like doing business with a computer
Issue: in order to "" activate '' the vacation package I "" purchased '' that day
Complaint_ID: Yes
Subproduct:
 with the added hassle of having to talk to uninformed people with an attitude. Although the company I attempted to dispute is still requiring me to sign forms acknowledging that I am the authorized card holder and that I gave them permission to charge the card over the phone


Date_received: 01/04/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Complaint_ID: Yes
Consumer_narrative:
I received a cash advance. When it was due I called and asked for a 4 day extension. I was denied for the first time in 5 years. I was told by " XXXX '' that the check would be deposited in two days knowing that my check will bounce. Then she said that I 'd have a $ XXXX fee from Amscot and XXXX {$35.00} return check charge from my bank. I told her that my mortgage payment will bounce. I was never told that I could n't receive an extension


Date_received: 01/23/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: according to Residential Credit Solution payoff amounts
Company: it is almost the same as the original cost of my home
State: which was {$95000.00} in 1993
Complaint_ID: Yes
Consumer_narrative:
Hello I send a complaint last month about Residential Credit Solutions. I was following up to see if there was any results. I do n't want to lose my home. I was asking about a mortgage that was discharged in a Chapter XXXX and still being charged the full amounts of the loan. My mortgage was sold to Residential Credit Solutions from XXXX XXXX XXXX. My mortgage amount should be much lower from my records of payments to XXXX XXXX XXXX and Residential Credit Solutions. On my credit reports, Residential Credit Solution, reports my mortgage as " XXXX ''. However


Product: Inc."
Subproduct: OH
Issue: 44094
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/27/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/23/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: In XXXX
Complaint_ID: Yes
Product:
 our neighbor notified us that there were squatters living in the home for over a year. We finally synced up wit XXXX XXXX in your XXXX XXXX Department who assured us that she would get the house secured and confirm with it when it was done. After several attempts at follow-up


Product: numerous emails
Subproduct: correcting mistakes Wells Fargo was making
Issue: the short sale was denied on XXXX XXXX
Complaint_ID: Yes
Date_received:
We secured an expert Real Estate agent to once again try and short sell the home. Within days she presented to Wells Fargo an all cash offer. After months of being passed around from person to person


Complaint_ID: Yes
Date_received:
WFHM will remove any and all negative reports on our credit Very Sincerely- XXXX and XXXX XXXX XXXX XXXX We tried short sale again this summer


Date_received: 01/08/2016,Bank account or service,Savings account,Account opening
Product: closing
Subproduct: or management"
Consumer_narrative: ever
Company_public_response: and
Company: that they had tried to reach me by phone without success
State: a particularly remarkable bit of fiction
ZIP_code: considering I provided my correct phone number in my correspondence
Date_sent_to_company: for the third time
Company_response: draft a letter to them
Timely_response: have it notarized
Complaint_ID: Yes
Subissue:
I have been trying for over two months to close an online savings account my late mother had with Capital One. By way of letter dated XXXX XXXX, 2015, I sent the bank a letter of instruction, along with an official death certificate and an original court -issued letters of administration. I received the originals back, along with a letter from the bank dated XXXX XXXX, 2015, indicating the information was being forwarded for remaining account settlement. After waiting a month, I called Capital One, and was told the department handling the account had no record of receiving my information. By letter dated XXXX XXXX, 2015, I once again submitted a letter of instruction, which included a recounting of the above information, and my extreme displeasure with how Capital One had handled the matter to date, along with the XXXX original documents, and waited again. I called today, after waiting yet another month, and was told these amazing things : that they needed a notarized letter of instruction from me, a " requirement '' heretofore never relayed to me

Submitted_via:
 and have never received a call from Capital One. Unbelievably bad customer service. I provided an email mail address as well to them in my letters ... nothing received from them of course. Now I must


Date_received: 01/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: XXXX
State: Order Vacating Final Judgment ( XXXX/XXXX/XXXX )
ZIP_code: Notice of Hearing ( XXXX/XXXX/XXXX )
Submitted_via: Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX )
Date_sent_to_company: the stub from the money order they insisted I use for payment ( XXXX/XXXX/XXXX )
Company_response: and the XXXX Postal Service Return Receipt for the rent ordered by the court
Complaint_ID: Yes
Consumer_narrative:
From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. XXXX of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to XXXX last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX

Company:
 which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX )


Complaint_ID: Yes
Date_received:
I heard a lot of background noise and the guy that answered said that he could n't give me specific information. He said he had called my relative, referring to my landlord, because he could n't get a hold of me. I pressed him about what he needed me for and how he tried to get a hold of me and he told me that be needed to put me on hold and transfer me to another " representative '' of the law firm. When I was transferred

Product:
 the lady that answered told me I had to pay a certain amount by next Friday for a supposedly charged off credit card

Subproduct:
 otherwise thousands of dollars in fees would be added if it went to court. When I asked if she had documentation she could mail me she said she did n't have to. When I asked her if I could get reference numbers she said I could n't until I got "" served ''. When I pressed her on being served she was very vague and said she guessed it had n't happened because of all the bad weather we 've been having and the bad weather headed our way. I got her name

Issue:
 phone number and told her I 'd call back Monday after I verified things. She then tried to scare me into paying tonight by saying I 'd be served at any time for failure to pay. Then she said if I called in Monday and paid


Complaint_ID: Yes
Date_received:
I did n't catch the name of the supposed law firm either because he spoke so quickly and I remember it being kind of generic


Product: LLC"
Subproduct: IN
Issue: 461XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 01/23/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes complaint caused principally by actions of third party outside the control or direction of the company,Continental Finance Company


Date_received: 01/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: XXXX
State: Order Vacating Final Judgment ( XXXX/XXXX/XXXX )
ZIP_code: Notice of Hearing ( XXXX/XXXX/XXXX )
Submitted_via: Order on Defendant 's Motion to Vacate Default Final Judgment ( XXXX/XXXX/XXXX )
Date_sent_to_company: the stub from the money order I used for payment ( XXXX/XXXX/XXXX )
Company_response: and the US Postal Service Return Receipt for the rent ordered by the court
Complaint_ID: Yes
Consumer_narrative:
From XXXX of XXXX to XXXX XXXX I lived in the income restricted property, XXXX XXXX XXXX in XXXX, FL. One of the lease addenda stated that if my family size or income changed, I was to report it immediately, and if the income exceeded the allowance, I was to move out within 30 days or by the end of the lease, whichever was sooner. I married, my family income rose, exceeding the allowance, I paid my prorated rent and submitted the 30 day notice, but the manager refused and returned my check and told me I was going to be liable for the remainder of the lease. I continued to proceed with moving out, and when management filed for eviction, I responded and requested an amount to pay into the court registry. However, their unethical lawyer claimed I never replied to him ( he actually never picked up the response I sent via certified mail, which was eventually returned to me. He motioned the court for a default judgment without notifying me, and when I called the court to find out when the hearing was, they told me that the judge had already issued a default. I subsequently filed to vacate the judgment, showing proof that I 'd been denied due process, I was granted a hearing, argued the case myself, and won. The court ruled that I had acted according to the terms of the lease and granted my motion to vacate, ordering that I send the original prorated amount I attempted to give the manager. I actually mailed the check prior to receiving the signed copy of the court order, and still have the certified mail receipt indicating that it was received. Nevertheless, the management company had reported a debt of {$1500.00} to each of the XXXX credit bureaus which they have not only never removed despite my disputes, but most recently reported to XXXX last month. Apparently the collection agency and/or management company is still misrepresenting this, and the credit bureaus are taking their word for it that I owe them this money. They list the account as " opened '' on XXXX XXXX

Company:
 which was 3 months after I moved out of the apartment and two weeks AFTER the court vacated the default judgment. What do I need to do to get this fraudulent report off of my record? Can I sue them for this? Can they be fined? This is n't an oversight ; it is intentional. I am attaching the following documentation : the original Order of Court 's Default ( XXXX/XXXX/XXXX )


Date_received: 12/28/2015
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
A representative called me from ARA INC stating that I owed a debt from XXXX XXXX and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005

Company_public_response:
 it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it


Date_received: 12/28/2015
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
A representative called me from XXXX XXXX stating that I owed a debt from Citi Bank and that they were going to sue me if I did not pay them {$16000.00}. I did not know about this debt, so the representative said he would transfer me to the fraud department. After sitting on hold for over 10 minutes, I call back the number that called me ( from the caller ID ), talk to the rep again and he then transferred me again. The man that answered said the debt was from 2005 ( over 10 years old ) and said " You must have been transferred here because you do not want to pay ''. I said if this debt is from 2005

Company_public_response:
 it is over 10 years old and is a time barred debt ( Cal. Civ. Proc. Code 312 et seq. ) so he can not report it


Product: Cash Advance Centers
Subproduct: Inc."
Issue: TX
Subissue: 79908
Consumer_narrative: Servicemember
Company_public_response: Consent not provided
Company: Web
State: 01/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
01/23/2016,Debt collection,Payday loan,Communication tactics,Frequent or repeated calls,,,Advance America


Date_received: 01/04/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: the {$120000.00} figure appears nowhere in either of the histories. Furthermore
Complaint_ID: Yes
Consumer_narrative:
I wrote to my mortgage company ( Nationstar Mortgage ) on XXXX XXXX, 2015 asking them how they determined that I needed to pay {$120000.00} to bring my mortgage loan current as I was allegedly in default. I also asked for the name of the entity which holds the note on my mortgage. In response I was sent a copy of something called a " previous servicer history '' and "" Nationstar Mortgage history ''. Neither of these documents tells me how Nationstar arrived at the {$120000.00} amount demanded in its letter to me. In fact


Complaint_ID: Yes
Date_received:
01/23/2016,Credit reporting,,Incorrect information on credit report,Account status,This dispute has been faxed twice already and I have had no response from the CFPB or Equifax. The information required has not been supplied as asked for. Until I get a satisfactory and accurate answer


Product: Servicemember"
Subproduct: N/A
Issue: Phone
Subissue: 01/08/2016
Consumer_narrative: Closed with explanation
Company_public_response: Yes
Company: No
Complaint_ID: Yes
Date_received:
01/08/2016,Credit reporting,,Improper use of my credit report,Report improperly shared by CRC,,,Equifax,IN,46928,Older American


Date_received: 01/19/2016
Product: Credit card
Issue: Other
Company_public_response: recording
Company: Synchrony Bank
Submitted_via: XXXX
Company_response: these phone calls were unwarranted. Also
Complaint_ID: Yes
Consumer_narrative:
I started to receive calls from XXXX. I called back got a recording " XXXX attempting to collect a debt. '' I have not been 30 days past due on anything nor received notices. Finally got a Rep on the line. First thing she mumbled her name

State:
 and this was attempt to collect a debt. The XXXX immediately requested my SSN on to which I refused. After great difficulty it was determined they were a bank backing XXXX XXXX XXXX credit card. That it was a bank not collection agency. They started calling because I had missed my XXXX/XXXX/2016 min. payment. She insisted I was 34 days late. Noted that she did not know the Credit Card XXXX or much about XXXX. She did finally agree to put my complaint in the tracker as mandated by XXXX XXXX. There was a very frustrating conversation where in which I requested to speak to a supervisor. After calling back I spoke with XXXX XXXX who confirmed that it was bank not a collection agency

ZIP_code:
 and that I was not technically 30+ days late as the previous rep had insisted. I told him that I agreed I had missed my due date. By getting phone calls prior to even being 20 days late I consider to be somewhat harassing. It was concluded that he too did not completely know about the Card Act

Date_sent_to_company:
 or other XXXX. I asked him to also enter the call into to their complaint tracker which he said it was already. I then advised him that I would be issuing my own complaint. I am attaching the credit card statements. On to which it states I needed to pay the full amount ( which included the past due amount ) by the next XXXX. Since the account was not 30+ days past the due date and late amount was now expected by the next due date


Complaint_ID: Yes
Date_received:
01/19/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Keep getting calls about my loan,Private student loan with Sallie Mae

Product:
 the amount of payments are the same amount of my Che k. My mother and I have talked with a man by the name of XXXX XXXX XXXX XXXX XXXX XXXX. My parents are co-signers and retired he is trying to make them pay what my check wo n't cover. I am working and can not the amount of XXXX month after car insurance phone medicine and living expenses. He is very nasty I am paying on my student loans but not original amount XXXX a month XXXX XXXX said they do n't work with lowering payments and payment plans. I just want to pay what my little job afford me to pay. He did not put down living expenses of anything else


Date_received: 01/23/2016,Credit card,,Billing statement,,Today XXXX Friday XXXX XXXX
Product: XXXX Dear CFPB
Issue: it is a states : "" Payment not received '' "" Dear XXXX XXXX
Consumer_narrative: or need assistance with your account
Complaint_ID: Yes
Subproduct:
 I have recently opened a Toys/Baby 's R Us Account in XXXX XXXX for XXXX. This month I should have receieced a statemten from Synchrony Bank for payment on this Toys /Baby 's R Us Account. Today I recieved an Email from Sychrony Bank for the purchase of the {$250.00} made on XXXX/XXXX/XXXX at T/B R US. The statement however was not my initial syatement requestin payment however

Subissue:
 '' "" RE : Your R Us XXXX ( XXXX ) Account ending in XXXX '' "" This is a notification that your R Us XXXX ( XXXX ) account payment is past due and a late fee has been assessed. Making a payment of the total amount due now will help you to avoid additional fees. Please disregard this notice if you have already made your payment. '' "" You can make a free online payment now by signing into your account. '' "" If you can not make a payment of the total amount due today


Complaint_ID: Yes
Date_received:
I can also state that I am not the only consumer whom has had issues with this Synchrony Bank. I believe their needs to be an investigative audit on their practices financialy andand. More so how they treat consumers. Has customer service stooped so low that consumers ( Whom pay for services/items ) deserve to be treated so horribly and harrased by credit companies instead of treated with respect and given a breakbreak especially as a "" New


Product: Inc."
Subproduct: NC
Issue: 28786
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/26/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/23/2016,Credit reporting,,Credit monitoring or identity protection,Account terms and changes,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 01/13/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Complaint_ID: Yes
Consumer_narrative:
Tried calling TransUnion for assistance on my credit report. Was told " Special Handling '' is the only ones that can assist me with my report and that I 'd be transferred. No one ever answers when I call. I just receive voicemail. My calls are not returned. When I call back and ask for the direct number to this department


Date_received: We also believe that because we were in bankruptcy
Product: BoA was never going to recoup the losses they assumed from Countrywide. As such
Issue: they charged unjustifiable fees and penalties
Consumer_narrative: they sold off the mortgage and the "" penalties '' to XXXX. Therefore
Company: XXXX services the loan
Complaint_ID: Yes
Subproduct:
 BoA allegedly ignored the Countrywide re-modification and charged a higher amount which we could never meet because we were on a strict budget with the CXXXX. But not only that

Subissue:
 as evident by their refusal to account for all the charges. And to avoid any responsibility or ramifications for unfair/unreasonable charges

Company_public_response:
 we would no longer be in a position to challenge BoA any more because they are no longer the mortgage server. Instead


Date_received: For some reason, I thought to check the invoice after I left the store. I saw " PT ''
Product: or pillow top
Subproduct: and was immediately suspicious
Issue: as the bed I wanted was firm. I called XXXX customer service that afternoon
Subissue: not an hour after purchasing the bed. They confirmed it was not the model I wanted
Company_public_response: as it was an awkward
State: my cell phone was ringing -- it turned out to be the salesman from XXXX
Complaint_ID: Yes
Consumer_narrative:
 but said they could n't help me - I had to go into the store because I was "" given a discount ''. I REALLY did n't want to go back to the store

Company:
 uncomfortable transaction. The customer service rep on the phone simply told me sorry and "" good luck ''. Five minutes later


Date_received: After explaining that the bed I wanted was not the one that was ordered
Product: the salesman walked over to the bed I had laid on
Subproduct: and said "" oh
Issue: this sticker is for a different bed. We put it on this bed by accident. '' Well
Subissue: imagine my surprise when the actual bed that I had wanted all along was NOT on sale. The salesman
Consumer_narrative: even though he admitted it was the showroom 's fault
Company: and left
Complaint_ID: Yes
Company_public_response:
 would only give me a {$200.00} discount on the now {$1400.00} bed. He told me that if I was upset with that to call XXXX customer service. I took out additional financing at the store to cover the new difference


Date_received: Once in the car
Subproduct: the first call
Complaint_ID: Yes
Product:
 I called customer service. They were helpful at first ... but promised action which they never delivered. ( For example


Date_received: Since XXXX XXXX
Product: 2015
Complaint_ID: Yes
Subproduct:
 I have called XXXX customer service at least 7 times to attempt to talk to a manager about my situation. Every time I call

Issue:
 I am told that a manager/district manager/someone in charge will call me back "" by the close of business ''. This has YET to happen. I ca n't get anyone with any authority on the phone


Date_received: Now
Product: finally today when I called
Complaint_ID: Yes
Subproduct:
 I was told that the district sales manager is not willing to match the price that the bed was labeled with. Also


Date_received: I feel that I was mislead ; that this entire sale was a complete bait and switch. Here I was
Complaint_ID: Yes
Product:
 thinking I was getting a great deal on a great mattress ... only to be told that the store messed up and by the way


Date_received: Also
Complaint_ID: Yes
Product:
 what is the point of having a customer service call center if they literally can not help you with ANYTHING? I 'm pretty sure if I were to call any other business or company and asked to speak with a supervisor


Date_received: 01/13/2016,Credit card,,Identity theft / Fraud / Embezzlement,,Hello
Complaint_ID: Yes
Product:
 I am a victim of identity theft since XXXX 2015 and I have filed a police report for that submitting all evidences to the authorities. I have called in all my creditors and service providers including Macy 's department stores credit card to complain about fraud purchases on my account. No progress what so ever happened internally and yesterday I have received a notice from my credit monitoring service that my credit score went down XXXX points in one shot! Checking my report to see the cause


Product: Inc."
Subproduct: MD
Issue: 20602
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/25/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/25/2016,Credit reporting,,Incorrect information on credit report,Reinserted previously deleted info,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 01/08/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company: including the bank statements
State: proof of payment
ZIP_code: credit report
Submitted_via: XXXX complaint and responses
Complaint_ID: Yes
Consumer_narrative:
The company servicing my mortgage loan switched about 9 months ago. According to the current servicing company ; lender live ; notices of the transfer and two missed payments were sent to my address on file. The address was that of the house under the loan and not the house I live at. I never received the notices or any notice from lender live. As a result my payments continued to be sent to the previous service company for two months because it was set to auto pay from my bank. During this time lender live proceeded to report these a delinquencies on both my ex-wife and my credit report. When I noticed that the checks were not being cashed I immediately contacted the previous service provider and they explained the loan had been transferred to lender live. I contacted lender live to determine if the payments had been forwarded and they indicated they had not received any payments. I explained the situation, sent them proof that the payments had been sent to the previous service provider, paid the balance due and lender live opened an internal investigation. According to multiple conversations with various lender live representatives the investigation was concluded and according to the representatives lender live was going to correct credit reports. After following up on multiple occasions over several months lender live had still not corrected the reports and would not return my calls. I filed a complaint with the XXXX and received a response from lender live indicating they " were not '' going to correct the credit reports even though I had been told that they would. I then requested all documentation concerning my account and the interactions concerning this matter and lender live responded that they would not provide the information because it was "" proprietary ''. I have also filed a complaint with the FTC. The reported delinquencies could have a very real affect on my personal finances

Company_public_response:
 my job and it has just recently prevented my ex-wife from being able to qualify for a mortgage on what would be her first home that she intended to purchase on her own. I can provide any all documentation I have


Date_received: 01/20/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: anything from appraisal fees
Company: past late fees
Complaint_ID: Yes
Consumer_narrative:
Purchased a home XXXX/XXXX/XXXX using small hometown bank. Loan was sold to XXXX XXXX and then to Seterus, XXXX XXXX XXXX, XXXX Ct, XXXX. We had financial problems and got behind on the payments, so we done a loan modification which turned the loan into 40 ish year loan. My wife had been trying to keep up with the Mortgage payments and unfortunately not paying enough attention to the Account Statement. So XX/XX/XXXX I took over paying the payments working hard to get it caught up.I kept noticing a charge on the statment that just stated " Total Charges '' with no explanation as to what those charges where for. So I payed up XX/XX/XXXX which was behind and then received a XXXX of XXXX statements for XX/XX/XXXX which had a "" Total Charges of XXXX ''. I called asked what that charge was for because it was not itemized on my statement. I got several different reason for the cost

State:
 and other reasons which changed as we kept talking. I asked for a manager and waited on hold for several minutes and then spoke with XXXX XXXX and asked what the fee was and why was it not itemized on my statement and more transparent? He said he did n't know and would try to figure it out. I told him I would pay it if owed but would have to tell me Seterus arrived and that "" charge '' he stated there was XXXX lates fees which was {$23.00} each. I did n't disagree and agreed to pay those but he could not account for the roughly extra XXXX dollars and told me he would write those off because he could give me an exact account of what the charge was for. I said that if he done that I will schedule a payment and we would be totally current with nothing else owed until the next statement is sent. He agreed and also waived the fees to do the payment on the phone then told me when my payment cleared there would be a XXXX balance until the next statement. If there was a problem contatct him directly at extension XXXX that he would fix any problems I have I said fine

ZIP_code:
 by the way this was a phone call that lasted 1hour and 53 minutes just trying to figure out what that charge was for. So the next statement arrived with a another "" Total Charges of {$85.00} '' whith out any explination of what it is for. So I called and they told me XXXX XXXX was not in they would help. I asked what the "" Total Charges '' was for and the first lady stated it was late charges from XX/XX/XXXX. I told her had worked out any fees or the charges with XXXX the last statement and we should be up to date and asked for a manger. The XXXX lady told me it was for {$15.00} Apraisel Expense and {$75.00} "" BPO Fee ''. I asked what that was she told me it was fee for doing research of the value of the properties around me so they could get an accurate estimate of my property value. Again this not itemized on my statement. So I got to checking checking back further in past statements that are downloadable from their web site and there is "" Total Charges '' fee on the last 7 months I can find with no itemization for what those cost are for. In not being thourgh and checking out statements I 'm not sure how long that "" Total Charges '' has been on my statement. I thought they are suppose to show me an itemization of what the payment is going for and for what fees or other charges I 'm being billed for. This is not happening and it seem they just throw a "" Total Charges "" fee on it at will and no set amount of the charge as it has varied every month. Surley this can not be a legal practice of just adding charges with out telling me what they are for? I feel like I am getting scammed and do n't know where to turn or go to for help


Date_received: 01/24/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: which I certainly did not. I have refused this card for years
Complaint_ID: Yes
Consumer_narrative:
I received an unsolicited credit card in the mail -- I thought that was illegal. This is an Amazon.com Visa Rewards Card. I hold several Visa cards, and the account number for the new card does not correspond to any of my current accounts, so it is not a replacement for a card that is expired. The thing that really makes me angry is that it is an amazon.com card, a card I have refused to sign up for, even though every time I buy something on Amazon I am subjected to insane pressure to sign up for one. One of the letters I received thanked me for " choosing '' the Amazon card

Company:
 and I intend to shred this one and all the documents that came with it. I do n't even know which bank or company had the gall to send me this card


Date_received: 01/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: 2016. '' In this letter
Company: under the "" Previous Addresses '' section
State: it continues to falsely state that I lived at : "" XXXX XXXX XXXX ; XXXX
ZIP_code: California ; XXXX ; Reported XX/XX/2016. '' I have NEVER lived in "" XXXX
Submitted_via: CA. '' I do n't even know where "" XXXX
Company_response: CA '' address off my "" Equifax '' credit file. I have only lived in "" XXXX
Complaint_ID: Yes
Consumer_narrative:
This afternoon I received in the U.S. Mail a letter from " Equifax '' credit bureau dated "" XXXX XXXX

Date_sent_to_company:
 CA '' is located at. I am the Victim of Identity Theft. I called up "" Equifax '' and they still refused to "" Delete '' this false Identity Theft "" XXXX


Date_received: 01/08/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: since I have not paid on this credit card bill since XX/XX/XXXX
Complaint_ID: Yes
Consumer_narrative:
On Friday, XX/XX/XXXX, I contacted Midland Credit Management via telephone, to question them about my debt account they purchased from XXXX XXXX Credit Card Division. I informed them, that said debt had no activity since XX/XX/XXXX, and asked why do they continue to contact me. I was informed that the last payment to XXXX was XX/XX/XXXX. I informed Midland, I have not paid anything on this account since XX/XX/XXXX, and that someone, including them, may of claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from Midland , and was informed, Midland sent out a letter in XX/XX/XXXX. I told the Midland Agent, I never received a letter, but, was told they will not send out another letter, due to, it was already generated in XX/XX/XXXX. Again, I requested the letter, and was told, " No. '' Additionally


Date_received: 12/28/2015
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Consumer_narrative: Today I received in the XXXX Mail a letter from " Equifax '' credit bureau dated "" XXXX XXXX
Company_public_response: 2015. '' On this same letter under the column "" Previous Addresses
Company: '' it incorrectly states that I lived at "" XXXX. XXXX XXXX ; XXXX
State: California ; XXXX '' as "" Reported : XXXX. '' I have NEVER lived in "" XXXX
Submitted_via: California area. When I called up "" Equifax
Complaint_ID: Yes
ZIP_code:
 California. '' I 'm not really sure where it is at. I am a victim of "" Identity Theft. '' For the last 18 years I have lived in the XXXX


Product: XXXX XXXX
Subproduct: XXXX
Issue: I contacted XXXX XXXX XXXX via telephone
Consumer_narrative: that said debt had no activity since XXXX
Company: I have not paid anything on this account since XXXX
State: and that someone
ZIP_code: including them
Date_sent_to_company: XXXX sent out a letter in XXXX. I told the XXXX Agent
Company_response: I never received a letter
Timely_response: but
Consumer_disputed: was told they will not send out another letter
Complaint_ID: due to
Date_received:
01/08/2016,Debt collection,Credit card,Disclosure verification of debt,Not given enough info to verify debt,On Friday

Subissue:
 to question them about my debt account they purchased from Chase Bank Credit Card Division. I informed them

Company_public_response:
 and asked why do they continue to contact me. I was informed that the last payment to Chase was XXXX XXXX. I informed XXXX

Submitted_via:
 XXXX claimed I paid on XXXX XXXX. I then requested a 'Debt Verification Letter ' from XXXX XXXX and was informed


Product: '' I do n't anticipate this complaint doing much good
Subproduct: in the short term
Complaint_ID: due to
Date_received:
As Equifax testified to in in XXXX Equifax Information Services LLC, 3:11-cv-01231, that their policy is " [ t ] o take corrective actions to correct a consumer 's report is only undertaken if a civil action is filed


Product: after this Complaint to your agency
Complaint_ID: due to
Date_received:
I am seeking punitive damages for willful violations of the FCRA and refusing to remove the inaccurate accounts from my reports


Product: Authorized Representative
Subproduct: and Attorney-In-Fact
Complaint_ID: due to
Date_received:
01/20/2016,Credit reporting,,Improper use of my credit report,Report improperly shared by CRC,Greetings : I am the Owner

Issue:
 for the legal fiction XXXX XXXX XXXX ; said legal fiction being organized under the following organizational ID numbers [ XXXX ] ; and indemnified under the U.S. TREASURY ACCOUNT [ XXXX ] ; by the operation of House XXXX XXXX XXXX of the United States Congress


Product: and all accounts thereof are accepted for value
Subproduct: pre-paid
Issue: and exempt from levy
Subissue: and held for me by the filing of XXXX Financing Statement No. XXXX XXXX
Complaint_ID: due to
Date_received:
It has been represented to me that you are holding debt in the name of XXXX XXXX XXXX. You are hereby given official NOTICE that the legal fiction entity XXXX XXXX XXXX is my secured private property


Date_received: In the event this debt is not validated within 30 days
Subproduct: I will accept your refusal as willful intent to slander the credit of XXXX XXXX XXXX
Complaint_ID: due to
Product:
 I expect that all adverse information will be withdrawn from the credit records of XXXX XXXX XXXX immediately. In the event such adverse information is not withdrawn

Issue:
 and take appropriate action under the Fair Debt Collection Practices Act and the Truth in Lending Act


Product: about a year ago
Subproduct: have an XXXX XXXX account. However
Issue: this company does n't have my correct address. They called my sister
Subissue: my daughter
Complaint_ID: due to
Date_received:
01/08/2016,Debt collection,Payday loan,Improper contact or sharing of info,Talked to a third party about my debt,I did


Product: without fail. On XX/XX/XXXX I received a letter from Chase Bank
Issue: XXXX XXXX. XXXX XXXX contacted a bank representative
Complaint_ID: Yes
Date_received:
I was required to send certified funds each month of which I did from a local Chase Bank. Each payment was withdrawn and transferred by XXXX XXXX - Relationship Banker

Subproduct:
 stating they were returning my payment of {$710.00} claiming I did not have an active payment plan. On XX/XX/XXXX I brought the letter and the returned check into the Chase branch and met with Branch Officer

Subissue:
 XXXX XXXX and XXXX XXXX explained that Chase Bank was taking a "" defensive '' position due to a communication with XXXX XXXX


Product: and now they just filed a judgement of debt for {$220.00}
Subproduct: the first contact letter was XX/XX/XXXX
Issue: now it 's XXXX XXXX
Complaint_ID: Yes
Date_received:
01/24/2016,Debt collection,Credit card,Taking/threatening an illegal action,Sued w/o proper notification of suit,The company has been paid off


Date_received: 01/08/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: has put a public record on my XXXX credit report that has a satisfied amount of XXXX. However
State: double the original amount
ZIP_code: on my Equifax credit report also. I have contacted NCC Business Services multiple times
Date_sent_to_company: amount
Complaint_ID: Yes
Consumer_narrative:
I have contacted this debt collecter, as well as the credit bureau, multiple times to file complaints. No proper action has been taken and this has been going on for at least a year. NCC Business Services was given an account with my name on it that I do not owe them. The original creditor, XXXX XXXX " XXXX at XXXX XXXX ''

Company:
 NCC Business Services at the same time has put a collection account regarding the same specific matter with the amount of XXXX

Submitted_via:
 explaining to them that they are double reporting this matter and falsely representing the character

Company_response:
 and legal status of the debt. But no one will listen and remove this debt collection account. Therefore


Complaint_ID: Yes
Date_received:
 and not add it back on in a few months! '' Thank you. 
,,Equifax,IA,500XX,Older American,Consent provided,Web,01/24/2016,Closed with explanation,Yes,No,1755329
01/24/2016,Mortgage,Other mortgage,Loan modification|collection|foreclosure


Date_received: 12/29/2015
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Complaint_ID: Yes
Consumer_narrative:
Navient customer service agents misapplied a payment that I made on XXXX XXXX, 2015 and has since then, have been diligently attempting to collect a ghost balance that I do n't owe. They have reversed and reapplied the payment so many times that I can no longer see my previous payment history, only their mistakes. A recent collections manager told me that I underpaid my loan nearly a year ago in XXXX 2015 which is why this is happening. I have never received this information prior to today, and this error was apparently " discovered '' while they misapplied payments to my account

Company_public_response:
 over and over again during the month of XXXX. I am very nervous about making any further payments until this issue is resolved


Date_received: 01/25/2016,Prepaid card,ID prepaid card,Managing
Product: opening
Subproduct: or closing account"
Complaint_ID: Yes
Subissue:
Outsourced rep for NetSpend Visa told me I could n't use the prepaid card I received as a gift without giving my birthdate and social security #. I declined and was sarcastically told " no info

Consumer_narrative:
 no activation. Essentially they stole my mother 's money. I was told I could not use it as a gift card. What a huge scam! Also


Date_received: 01/25/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Company_public_response: Student Debt Fueled Profit Machine. '' Right now
Company: it is hurting my household budget. Even though I 've been making the payments
Complaint_ID: Yes
Consumer_narrative:
I would like to voice a complaint against XXXX XXXX/Navient. This is in regard to a private loan for {$25000.00} to attend a XXXX called XXXX XXXX in XXXX XXXX, Michigan. XXXX XXXX was in the XXXX Bank building. I heard the ads for XXXX XXXX on the radio. This happened in XXXX. I 'm not sure if XXXX is still open or not. Their ads are not on the radio anymore. I did some research in XXXX and XXXX and discovered that XXXX XXXX was mentioned at XXXX websites : XXXX ( XXXX/XXXX/XXXX ) and XXXX ( XXXX/XXXX/XXXX ) for being an money-making scam. XXXX XXXX was also mentioned at these XXXX sites as the lender. I then discovered that XXXX XXXX changed their name to Navient and XXXX changed its name to XXXX XXXX. Then I did a search on legal action against XXXX XXXX/Navient and found a report, in the form of a PDF file, from the XXXX XXXX XXXX XXXX. It is titled " The XXXX XXXX Saga : A Government-Created


Complaint_ID: Yes
Date_received:
01/13/2016,Consumer Loan,Vehicle loan,Problems when you are unable to pay,,In XXXX of 2007 I purchased a vehicle which I financed with Chrysler financial. the federal fair credit reporting act says that the consumer reporting agency\must remove all derogatory items after XXXX years. this negative item should be removed from my credit report asap. I payed XXXX for XXXX months which amounts to XXXX


Date_received: 01/25/2016,Mortgage,Conventional fixed mortgage,Loan modification
Product: collection
Subproduct: foreclosure"
Company_public_response: manipulation of wording
Company: and lack of response to our complaints
ZIP_code: Massachusetts division of banks
Submitted_via: The Justice Department
Company_response: severe violations of our rights
Complaint_ID: Yes
Subissue:
To the CFPB, Caliber home loans, and other recipients XXXX this letter go on record as it states the facts in our complaint against Caliber Home Loans. On XXXX XXXX Caliber became the new servicer of our mortgage.In the 2 years since we have never received any SPOC from Caliber to help us retain our home.in Calibers most recent response to the CFPB, Caliber claims that they could not contact us with a SPOC because f a cease and desist on the loan. The fact is in XXXX we hired an attorney to respond to a foreclosure attempt by XXXX, who was the mortgage holder at that time. In the letter sent to XXXX formally disputing their attempt, the wording is as follows " We are demanding that XXXX cease and desist any attempt to foreclose on the home. '' The wording did not state a do not contact cease and desist and further more Caliber Home Loans was not named in this as it would be XXXX more years until Caliber became the new servicer of the loan. Caliber also stated in their recent response that a letter was sent to our bankruptcy attorney on XXXX XXXX

Consumer_narrative:
 XXXX regarding our loss mitigation options. Our attorney has no record of such letter. Are request through the CFPB was for Caliber to send us any proof that this letter was sent to and received by our bankruptcy attorney. There has still been no response. It is clear that through Calibers lack of contact over the last two years

State:
 that Caliber never intended to help our family stay in our home and only to foreclose and evict us. Leaving this family homeless. Further more the purpose of the CFPB is to help the rights of the consumer but it would seem that is not the case because their hands are tied. Disappointing. XXXX is also go on record that a copy of this letter has been sent to the Massachusetts Attorney General

Date_sent_to_company:
 and our State Senators. We have also consulted with an attorney and we will be taking legal action for the loss of our home


Date_received: 12/29/2015
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: there are multiple addresses on my file that do not belong to me ; therefore
Complaint_ID: Yes
Consumer_narrative:
I have come to the conclusion that the credit bureaus are violating my rights under section 1681 and that they have received the following : NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617. I had previously sent my XXXX and XXXX rounds to the bureaus with no resolution, and round XXXX on XXXX/XXXX/15 and round XXXX on XX/XX/XXXX. I receive the same response each time saying " verified ''

Company_public_response:
 and yet section 609 ( c ) states that I am allowed disclosure of the documentation used to "" verify '' the accounts. They refuse to provide the documents as well as their method of verification ; the results they send state that I can request such and then they deny this. The accounts I am disputing do NOT belong to me. In addition


Date_received: 12/29/2015
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Company: no Office address no true name ( did XXXX
Complaint_ID: Yes
Consumer_narrative:
Different names used from XXXX calling repeatedly saying Law Firm named " XXXX '' declining to give address

Company_public_response:
 being not Attorneys just a plain collection agency falsely advertising impersonating as '' Attorneys '' not identifying properly no City


Product: Inc."
Subproduct: NY
Issue: 14739
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 01/25/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
01/25/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 01/25/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: I received approx. 5 calls per day
Complaint_ID: Yes
Consumer_narrative:
I received a collection letter from PennCredit in XXXX XXXX regarding a delinquent utility bill from " XXXX XXXX XXXX or XXXX '' for {$240.00}. In addition

Company:
 every day ( even weekends ) regarding this debt. I responded back with a certified letter disputing the debt due to identity theft

State:
 and did not hear anything back until today ( XXXX XXXX XXXX ) when I received several calls related to this debt. It would appear that PennCredit chose to ignore the dispute of the debt and is still attempting to collect on it


Date_received: 01/25/2016
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: meets FCRA requirements ''
Company: meaning that instead of correcting the report and sending me a letter to verify the alleged debt
Complaint_ID: Yes
Consumer_narrative:
On or about XXXX 2015, I found a negative reporting entry on my credit report posted by Diversified Consultants XXXX XXXX XXXX, XXXX, FL XXXX for a debt allegedly owed to XXXX. The entry showed that the alleged debt was reported in XXXX 2015. I called Diversified Consultants and asked why they did not verify the debt by sending me a letter as required by law. They claimed they did ; I did not receive any such letter and I informed them about it. I have since noticed that they have noted on my report with the following information " Account information disputed by consumer


Date_received: 01/20/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Frequent or repeated calls
Complaint_ID: Yes
Consumer_narrative:
Received a phone call from the number ( XXXX ) XXXX at XXXX on XXXX/XXXX/2016. I answered knowing this number was a debt collector that I tried to reach yesterday with my confirmation number showing that I had paid my bill. Yesterday after waiting on hold for 15 minutes I hung up waiting for them to call in the morning ( which they did every morning 6 times since XXXX/XXXX/2016 ) I was greeted by someone who was clearly out of sorts and was arguing my name. I told him that my name was XXXX XXXX not XXXX, after that was cleared up I was transferred to another male. He told me the reason he was calling and I told him that I tried to call back yesterday to give them the information but was put on hold for so long that I waited for their call today. I was not yet at my office to give him the confirmation number. He went on to describe how the money could take up to 30 days to transfer to them. I told him that 's fine but he could take me off the list. This seemed to catch his attitude ( rude ) He stated with a very snide tone " no '' ending with "" I hope this does n't have any affect on your credit. '' To me that seemed like a threat. I understand that they have a job to collect


Complaint_ID: No
Date_received:
No. XXXX XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA XXXX XXXX XXXX. XXXX XXXX To make my complaint as simple and concise as I can make it

Product:
 I am disputing an account that I do not owe. The credit bureaus claimed the debt has been verified by IQ Data International. I call IQ Data International to obtain their verification and validation of debt trough an itemization. IQ data claims they do n't have it and could n't provide one anyways since they are not "" actively collecting the debt. '' However

Subproduct:
 they are still credit reporting that I owe this debt. Besides the fact that they either ca n't or refuse to validate the debt to me

Issue:
 they are in violation of the F.D.C.P.A. because they provided the credit bureaus with false information by stating it 's a valid debt when they clearly ca n't validate it. Because they also lied to me by stating they are not actively collecting the debt when they clearly are by credit reporting it


Issue: on its face
Consumer_narrative: regardless of whether they were accurate at one point
Complaint_ID: Yes
Date_received:
The advisory opinion states that the Section 623 ( a ) ( 2 ) of the FCRA addresses the duty to correct and update information by " furnishers

Product:
 '' or persons who furnish information to consumer reporting agencies ( "" CRA '' ) such as credit bureaus. In particular

Subproduct:
 this section requires a person that "" has furnished to a consumer reporting agency information that the person determines is not complete or accurate '' to "" promptly notify the consumer reporting agency of that determination '' and provide any information needed to make it complete and accurate. Thus

Subissue:
 this provision requires a furnisher to provide corrected or updated information to the consumer reporting agency that it had reported to originally. This duty extends to all student loan accounts reported to CRAs

Company_public_response:
 because the section requires the furnisher both to "" update '' accounts as well as to "" correct. '' Navient representatives told me that because the delinquent payments were accurately reported in XXXX of 2015 that any subsequently initiated deferments and or forbearances would not allow for Navient to update reports to CRAs to show that the payments were not late and actually in deferment. However


Date_received: 01/08/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Credit decision / Underwriting
Company_public_response: but it took them 5 months to finally DENY the loan
Complaint_ID: Yes
Consumer_narrative:
We contacted Prospect Mortgage in XXXX for a renovation loan, in XXXX. We went through a significantly long process, whereby we were approved for that loan. However, the final papers revealed that Prospect wanted {$5000.00} to take out a {$20000.00} loan ( plus payments ). We opted to not take that loan, but the officer advised us that later we could get a " cash out refinance '' on the renovated home. The story is too long and convoluted to type here


Date_received: The reason for Prospect 's troubles are twofold : First
Issue: is the process
Subissue: which is quite broken. Prospect uses other lending institutions and appears to just be a broker
Complaint_ID: Yes
Product:
 they use clerks to process complicated and sensitive material - and the clerks are in over their head

Subproduct:
 do not have the proper training or resources. Some of them ca n't even spell or put together a professional email. Second

Consumer_narrative:
 although they claim to be "" direct lenders. '' These underwriters have a very complex and detailed systematic system when looking through the papers


Date_received: Our process was fraught with difficulty. XXXX loan officer quit. That loan officer
Product: who was actually quite competent
Issue: misspelled
Subissue: and mishandled the documents
Consumer_narrative: all being put up in email
Company_public_response: which is not secure. Finally
ZIP_code: and during this time
Consumer_disputed: Prospects ' processes could remain broken for a long time
Complaint_ID: because they use different underwriters who want different things
Subproduct:
 quit in the middle. She did not put up our documents. We had to start over and requalify after many delays. The clerks were replaced often with people who asked for the same documents over and over

Company:
 in the XXXX hour the XXXX caught a mistake in their calculations and the loan was denied on our debt-to-income ratio

State:
 but we had correctly reported our debt and income months before. They wasted about XXXX hours of our time

Submitted_via:
 bills began piling up on our renovation - bills that should n't have needed to be paid if the pre-approval had gone through. If we had been DENIED in a timely manner

Date_sent_to_company:
 then we could have looked elsewhere for the funds. We also incurred "" hard '' costs of survey and other items

Company_response:
 based on their mistakes. Prospect Mortgage has very broken standard operating procedures. Most of their problems could be fixed by simply "" templating '' normal requests for documents

Timely_response:
 instead of having people just send out "" something '' until the underwriter gets it and denies it. Also


Date_received: 01/14/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company: when I rec 'd the email telling me they got the XXXX
ZIP_code: where I reside as a single Mother of XXXX kids
Submitted_via: ages XXXX and XXXX. It is CRIMINAL what they did
Date_sent_to_company: banking on the assumption that I did n't have the money or knowledge or both
Company_response: to fight them. Not only did I do what they asked from day one
Timely_response: I also had presented them with a viable solution to bailing myself out. Now I have a 3 day notice
Consumer_disputed: no means to move
Consumer_narrative:
XXXX XXXX XXXX gave me a XX/XX/XXXX XXXX XXXX ( XXXX ) which was a HELOC. They would n't modify it and or restructure it and eventually went to my home, where I had a tenant living at the time ( little over a year ago ) and disclosed personal info to him violating the debt collection act by telling him the history of my loan payments and tax payments, that I had been collecting rent ( {$1800.00} per month ) from him and not paying the note which was illegal and that I would go to jail. And my tenant got angry and stopped paying rent and did about $ XXXX in damage to the property. When I reported this to the XXXX, they said they would modify my loan and 3 days later, in XXXX XXXX, they sold it to Fay Servicing who came for my jugular. I had over XXXX of equity in the property. I had been working to try to come up with a viable solution with XXXX and started all over with FAY. the XXXX never could produce documents proving the loan was theirs. They were missing payments we had made over the years. They would not work with my Ex Husband being on the loan. I had found an investor to bail me out and bring my loan current. ( {$30000.00} XXXX In return, our agreement was that I would bring him on title, we could make monthly payments, upgrade the home which he would also pay for XXXX {$20000.00} XXXX and then I would split the equity with him. I told the servicer we would have a listing agreement and sell it XX/XX/XXXX.FAY XXXX refused to allow him on the title, and pursued a forclosure. I asked them for a modification review XX/XX/XXXX. They gave me until XXXX XXXX to turn my info in. At that pointm they stopped communication with me and would n't return calls or emails after multiple attempts. They would n't tell me if my info had been received via FAX until FINALLY on XXXX XXXX when I got an email that said, " yes I have rec 'd the documents you sent and forwarded them to the appropriate department. On XXXX XXXX

Company_public_response:
 they put my house on the acution block and it was sold within minutes to a third party. I was stunned. The people at the default company told me that they had denied the modification on XXXX XXXX. THEY NEVER TOLD ME THAT. I was completely and utterly bewildered. Even on XX/XX/XXXX

State:
 did n't mention a word. The equity that I had in that house was mine. I did everything I could to make sure that I could get the money from the property and move on in my life. They did everything they could to make sure they would get money that was owed to them and forclosed on my home

Complaint_ID:
 and my children are terrified as am I. No one lets a home forclose if they have equity in it. I was not planning to do so either


Date_received: 01/14/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
State: after I was threatened by Green Tree they would be foreclosing on my house due to late payments
Submitted_via: not their terms. I cant get a hold of anyone to help me
Complaint_ID: Yes
Consumer_narrative:
This item " Derogatory Trade '' for Ditech reported XX/XX/2015 is STILL inaccurate. I was reported to the credit bureau for 30 days late for XX/XX/XXXX and XXXX 2015. My payments were made on time however

Company_public_response:
 Green Tree was not honoring my loan modification from my previous lender which is a violation of the FCRA. GreenTree then tried to raise my interest rate and throw in old escrow charges that ultimately made my payment increase

Company:
 although with a loan modification this is a violation. I continued to make my payments according to my loan modification. XX/XX/2015

ZIP_code:
 I sought assistance from XXXX XXXX XXXX to assist me with the issue as Green Tree. Green Tree finally honored my loan modification but REPORTED me to all credit bureaus as late and has now ruined my credit to purchase a new home. Green Tree will not remove the late reporting even though they have proof I paid my mortgage. I was paying according to the loan modification

Date_sent_to_company:
 nor can I afford an attorney. Green Tree has several of these same issues against them and we all experiencing credit issues. This is fraud


Complaint_ID: Yes
Date_received:
01/14/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,In attempting to verify my identity the XXXX credit agencies use information from my relatives then hold it against me that I do not know the answer. Transunion is the biggest culprit of this


Subproduct: I HAVE NOT
Issue: and it is now XXXX XXXX
Company: and you accept that as accurate. I must ask
Complaint_ID: Yes
Date_received:
Consumer Financial Protection Bureau advised me some time ago that Wells Fargo had resolved this complaint, and indeed I did receive letters from Wells Fargo 's Executive Resolution Specialist, XXXX XXXX on XXXX XXXX, XXXX stating that they were " making every effort to fully address all of my concerns and provide me with a thorough response '' XXXX XXXX stated that they expected to complete their work by XXXX XXXX

Product:
 XXXX. This is to advise you that despite the fact that YOU have received a response from Wells Fargo

Subissue:
 XXXX. I am further concerned that you allow Wells Fargo to just provide a "" Stock Answer '' to complaints "" we have reviewed your complaint and did n't find -- etc.etc.etc ''. Never do they reveal the scope of their review

Consumer_narrative:
 never do the give the details of what they found that allows them to disregard your issues with them

Company_public_response:
 never do the even address the issues that were presented to them. They simply say that the complaintant is wrong

State:
 do you do anything to justify your existance? Do you do any independent investigation of complaints? So in addition to my complaint against Wells Fargo


Date_received: 01/14/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
Bank of America accepted mortgage payments from me, giving me a confirmation number for the payments, then, failing to apply them to my loan, they have attempted to return them to me. They are trying to foreclose on me, saying that I defaulted on my loan, when they have both failed to apply payments and failed to accept payments, erroneously claiming I had defaulted on my loan. They are now trying to foreclose on me by a " Summary Judgment Motion

Company_public_response:
 '' suggesting their claim that I defaulted is irrefutable. I hope to refute ( and disprove ) every allegation

Company:
 but can not find a specializing lawyer to take my case on short notice. ( My attorney has quit ALL mortgage law cases


Date_received: 01/14/2016
Product: Credit card
Issue: APR or interest rate
Company_public_response: many years the interest rate hovered around the 17 % mark
Complaint_ID: Yes
Consumer_narrative:
Over the past several years I have filed numerous complaints against Capital One because of the outrageous interest rates on my account. Each complaint resulted in the same canned response " we ca n't lower your interest rate ''. For many

Company:
 adding almost XXXX XXXX dollars in interest to the balance each month. After signing onto the account today

State:
 I noticed that the interest rate jumped up to 18 %. How can Capital One justify increasing my interest rate but each time I ask to lower it

ZIP_code:
 I get the same response? I ca n't express my extreme disgust with this company. I 've been with Capital One since XXXX and used them fully until XXXX. For someone that 's been with them for as long as I have

Submitted_via:
 I would have expected them to work with their customers instead of thinking it 's just to raise interest rates whenever they feel like it just because the "" market dictates ''. My next step is contacting my senator 's office and then possibly


Complaint_ID: Yes
Date_received:
Given how poorly Home Depot / Citibank handles communications around this and their lack of a reasonable approach to resolving this


Date_received: 01/09/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
I applied for assistance in saving my home with Bank of America. I hired an attorney to submit my offer to settle a second mortgage as a solution to my foreclosure situation. My request for assistance was faxed to Bank of America on XXXX/XXXX/2015 and I was issued a 5 day letter dated XXXX/XXXX/2015 confirming my complete financial information was received and that I should have an answer within 30 days. In the letter Bank of America says " The evaluation process should not take more than 30 days ''. ( See attached letter ). As of today Bank of America still has not responded to my request with an answer. It has been two months and five days since that request. I just received a foreclosure certificate stating Bank of America can now foreclose. While Bank of America is stalling on my review

Company_public_response:
 the foreclosure process is moving forward and I have lost time I needed to be able to figure out how to save my home. I am sure they are doing this on purpose because my attorney has been calling them to follow up on the request almost weekly since the date it was submitted. I believe Bank of America is evading review of my request for assistance in order to dual track and burn time so as to be able to just foreclose my home without allowing me time to try and save it. Per my attorney this is in complete violation of RESPA Reg X ( 1024.41 ) which states a servicer shall complete a review of a request for assistance within 30 days of that request. We are now over 65 days past my request for assistance and I have nothing from Bank of America except a foreclosure certificate stating they may now foreclose ( Attached ). My attorney has also faxed the foreclosure attorney

Company:
 XXXX advising them that I am under review for loss mitigation as of XXXX/XXXX/2015. XXXX has responded that they have been instructed to move forward with foreclosure. This is as of XXXX/XXXX/2015

State:
 which is after my submission was confirmed on XXXX/XXXX/2015. Even though XXXX has been made aware that I am under an active review for loss mitigation


Product: '' and "" workout plans. '' We had made all of our payments on time. In another set of documents
Subproduct: also dated XXXX XXXX
Issue: XXXX
Company_public_response: "" If you have any questions
Company: please call. '' Over the next weeks
State: we repeatedly called Bank of America for clarification
Complaint_ID: Yes
Date_received:
In a letter dated XXXX XXXX, XXXX, we received a letter full of erroneous information about " requesting payment assistance

Subissue:
 we received a new Mortgage Agreement from Bank of America. These documents also contained erroneous information and gave no explanation for the changes from the XXXX XXXX Mortgage Agreement. In fact

Consumer_narrative:
 there was no reference to the XXXX XXXX agreement. The changes and fees also appeared to put XXXX dollars into the pockets of Bank of America. The cover letter said


Date_received: Between XXXX XXXX
Product: XXXX and XXXX XXXX
Subproduct: XXXX
Subissue: but Bank of America representatives refused. We were afraid to sign and submit the XXXX XXXX
Complaint_ID: Yes
Issue:
 we spoke with at least five different Bank of America representatives who gave us conflicting information. Some representatives pressured or coerced us to sign the new documents even though we said the documents appeared to contain false and misleading information. Others assured us that we were not in danger of losing our XXXX XXXX mortgage if it was notarized and on file with our county. We requested that answers be sent to us in writing

Consumer_narrative:
 XXXX documents because we did not understand them and they appeared to contain false information. During this period


Date_received: In a letter dated XXXX XXXX
Product: XXXX
Subproduct: Bank of America stated that since we had not signed and returned the XXXX XXXX
Issue: XXXX mortgage agreement
State: XXXX. The XXXX XXXX
ZIP_code: XXXX Bank of America cover letter explicitly stated that "" if you have any questions
Date_sent_to_company: XXXX letter. Throughout XXXX
Complaint_ID: Yes
Subissue:
 the terms of our XXXX XXXX agreement "" are not in effect on the loan at this time. '' This was the first written reference that connected the XXXX XXXX Mortgage Agreement to the XXXX XXXX Mortgage Agreement. Weeks earlier

Consumer_narrative:
 we had called and requested specific information on how signing or not signing the XXXX XXXX documents would affect our XXXX XXXX mortgage agreement. Over the phone

Company_public_response:
 we had received information from Bank of America representatives that directly conflicted with the XXXX XXXX

Company:
 XXXX letter. We had been told by a Bank of America representative that our XXXX XXXX loan would remain valid if it had been submitted to the county and registered there. ( I have an audio recording of this conversation. ) The loan was registered with the county on XXXX XXXX

Submitted_via:
 please call. '' The clarifying information that we received over the phone was in conflict with the information in the XXXX XXXX


