# complaints

Date_received: 04/15/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Flagstar Bank
State: MN
ZIP_code: 551XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
refinanced my house and ended up with flagstar Bank who let me ins. policy lapse and put forced placed ins. on which increased our payment over XXXX dollars a month, fell 2 payments behind, called and made arrangements and they refused to accept our payment.got attorney general involved and they sold our house at sheriffs sale behind our back.i wentr to a HUD approved housing counselor and the mortgage company refused to speak with them because the call was being recorded got .HUD involved and they said mortgage company had to rescind sale and do loan modification, they rescinded sale and turned around and started foreclosure again, mortgage company said go and apply for loan modification and their lawyers took us to court for eviction i called mortgage and they said sorry you should have never been told you could do a loan modification. I have the letter they sent and the application and they still refused to help us save our home. I do not understand how it is they can get away with this. we were in the middle of a loan modification process when they did this!


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: VA
Subissue: 236XX
Company_public_response: Consent provided
Company: Web
State: 06/10/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
So, in short, Citi baited me into signing up for a CitiGold account with a promotion, charged me {$30.00} a month in fees for the pleasure of dealing with their abysmal service, and then made up an excuse to deny me the bonus I earned through the promotion. After some research it is clear that Citi regularly defrauds their customers with these account bonuses. This is completely unacceptable and will not be tolerated.


Date_received: 05/12/2016
Product: Credit card
Issue: Customer service / Customer relations
Company_public_response: Wells Fargo sold my mortgage
Complaint_ID: Yes
Consumer_narrative:
I took out a Wells Fargo " Home Rebate '' credit card to help supplement the payments to my mortgage with Wells Fargo. Their product description can be summarized in this way : Purchasing goods/services with the credit card will automatically add "" points '' and said points will be converted into dollars that are deducted automatically from the principle of your mortgage. The product worked as described. HOWEVER : In less than 6 months


Date_received: Then
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Wells Fargo & Company
Subissue: FL
Consumer_narrative: 349XX
Company: Consent provided
State: Web
ZIP_code: 05/12/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 without consulting me or without gaining my permission - they simply changed the type of credit card I had. I went to a local branch and was told "" There is nothing you can do about it '' - Basically the company scammed me by letting me take out the card and then as soon as I had a significant balance on it sold my mortgage to avoid me saving hundreds if not thousands of dollars through use of the card over time."


Date_received: 05/12/2016
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: 104XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
have a personal loan with TD Bank terms are five yrs I can not get a print out of my payments have extreme difficulty when I request it told since it is an automatic deduction each month there is no print out for me to see. Absurd I willnot go paperless there is enough identity theft as is.


Date_received: 05/24/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: wait
Company: hold on
Date_sent_to_company: JPMorgan Chase & Co.
Company_response: TX
Timely_response: 784XX
Complaint_ID: Consent provided
Consumer_narrative:
chase bank sends individuals over to my house every month with a letter stating its personal and confidential. The person who came to my home on XXXX XXXX, 2016 between the ours of XXXX and XXXX did not keep it person al and confidential. The man who walked up to me in my driveway in front of friends and family members asked if I was familiar with chase bank and I stated yes, he told me he had been to my home many times, I tried to get the letter he had for me since I was familiar with the routine, he told me to " wait

State:
 '' he again stated that he had been to my home many times and I just wanted him to give me my letter to avoid further embarrassment. He took his time as I took the letter from his had and walked away and got into my vehicle and he sat in his car blocking my driveway taking pictures of my home as he sat in his car blocking my driveway

ZIP_code:
 I got off my car and asked him to move out of the way. The people at my home told me he remained outside the home taking pictures after I left. This is a form of harassment and not assistance as the letter he delivers stated. I did email chase 's executive offices and asked that they stop harassing me any further and keep this man away from me. They initially tried to deny it was them who sent him but I explained he did had a clipboard with all my information on it and their name CHASE BANK on his paperwork as well as on the letter he delivered. XXXX with chase bank executive offices stated she would look into it."


Date_received: 04/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have had a collection reappearing on my credit report that was settled through in house financial aid at the facility this debt originated from prior to any collection or charge off appearing on my credit. This is a bad debt that has been shopped to many collection agencies and is becoming an extreme burden to the point of harassment for me to continuously be finding illegitimate debts appearing in the form of collections on my credit reports at all the reporting agencies. This is a debt that I have had to have removed from all of my credit reports from all XXXX agencies and again am put into a position where I must dispute information on my reports which I have already had previously removed. This being the third time I must dispute this same bad debt. Upon attempting to dispute on this occasion XXXX has made it increasingly difficult for me to dispute this debt as they now will not let me access the online dispute system and are forcing me to fax my dispute with a copy of my identification in order to file a dispute. This is extremely tedious and something I should not be forced to do seeing as though this bad debt should not be allowed to be continually allowed to be reinserted into my credit file only difference being they are the same debt shopped to different collection agencies ; sometimes even the same collection agency with slight different names or names with acronyms instead of the full company name. These are super shady practices and this has come to an extreme point where I feel it necessary to involve an outside agency in hopes this debt will not keep unacceptably reappearing on my credit reports.


Date_received: 05/24/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Portfolio Recovery Associates, Inc.
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Portfolio Recovery Associates of XXXX, VA, has made numerous phone calls to my home attempting to collect a debt from a third party after confirmed receipt of a certified letter from me telling them the party they are attempting to contact does not live at my address, does not have my phone number, and not to contact me any more regarding this matter.


Date_received: 04/01/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Taking out the loan or lease
Company: Ascend Consumer Finance, Inc.
State: GA
ZIP_code: 317XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Unfair Lending Practices. I was given an offer from Ascend Consumer Finance ( XXXX ) XXXX based in XXXX, CA for a personal loan. I passed all of their credit criteria with flying colors. I would not even have applied for the loan if I did not meet the minimum criteria. I provided all needed documentation. I signed the contract to receive the loan indicating my APPROVED status. Later I was notified that I would not get the loan. This appears to be a scam company existing to ruin my credit rating and steal my identity. i would advise ALL consumers seeking financial services to steer clear of this company at all costs.


Date_received: 03/29/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: NV
ZIP_code: 891XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was part of the Greentree LLC Debt collection process with my Mortgage Loan via XXXX and was never included in the class action lawsuit. Is there anything I can do to claim any monetary funds due to the issues they caused my credit report, finances, etc.? Please let me know and thank you again for your time! WE were all taken advantage of by them!


Subissue: I believe it 's a good idea."
Company_public_response: Capital One
Company: NY
State: 145XX
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 05/11/2016
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: No
Date_received:
When I called to inquire and ask why the interest was calculated on that amount rather than the {$630.00} that represented the remaining balance, XXXX ( laughing ) told me that the interest is based on the " average daily balance '' inclusive of new purchases? I asked her when this changed as I have had this account and used it regularly for nine months

Product:
 have always followed the same pattern of paying as I go with this account and have never paid any amount of interest before. Continuing to laugh

Subproduct:
 she said she would refund the {$100.00} and make a note in the file. I advised her that in all my years of using credit cards

Issue:
 not XXXX company has ever charged interest on new purchases before the statement is even issued. She continued to laugh and I advised her that I would be contacting you with a complaint. She laughed again. I told her I was happy she was having so much fun on her job. I think it 's time to close this account as I have been hearing this company has not been treating consumers fairly. Now that I have had my own experience


Date_received: 05/18/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Delbert Services
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The Collector ( XXXX XXXX XXXX ) from the lender Western Skies has sent a company called XXXX XXXX to serve me papers at my place of employment. I work for a government entity and they have called my employer several times because my supervisor has taken the messages and warned me of them calling the control room where I work.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: AL
ZIP_code: 352XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
EXPERIAN HAS REFUSED TO UPDATE MY CREDIT REPORT AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. EXEPERIAN ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.


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


Date_received: 07/02/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: and it did have a few areas that were not perfect
ZIP_code: I knew I did not damage that
Timely_response: but it does not mean true or accurate."
Consumer_disputed: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint_ID: TransUnion Intermediate Holdings, Inc.
Consumer_narrative:
I lived in XXXX XXXX several years ago. When I moved out, I completely cleaned the apt including vacuuming the floors, but did not shampoo them. I was not told this was a condition of getting my deposit back. While I lived there, I had a large room sized carpet in the living room that completely covered their carpet. The tubs were painted prior to my moving in. During my time there, the paint chipped off several places. I reported this in writing and they offered to come repaint the tubs, but I would need to be out of apartment for 4-6 hours. I am XXXX and work many long hours. I had no where to go to sleep for 4-6 hours, so I lived with the chipped paint. Once I moved out, after several months, I received a statement saying I owe over {$1200.00} for " damages ''. I immediately called. They said they would send me pictures of everything they considered "" damage '' I never received these pictures. They sent an itemized list of things they were charging me for

Company_public_response:
 most of them were the routine make ready every apartment must do. XXXX item that stuck out was the charge to repaint my tubs. I called and reminded them these were maintenance issues I had while living there. They sent me another letter stating they were removing this item from my "" amount due them '' making the new amount due {$900.00}. I called again and told them I have not received any pictures of damage and knew I did not damage their apartment. The flooring in the kitchen and bathrooms is from a roll of linoleum. They said I scratched it. It is very cheap and soft flooring

State:
 but it appeared to be normal things that happen. Since I know I had their carpet completely covered

Submitted_via:
 but they listed a cost to completely re-carpet the place. I think it is criminal that apartments believe they can charge people for maintenance that is not theirs to pay

Date_sent_to_company:
 and that they have the power to arbitrarily send it to a credit reporting agency that takes it as gospel. I disputed this and requested the documentation to back up these charges which I did not get. I requested to know why they keep changing the amount they are holding me hostage for. I did not receive any documentation from XXXX XXXX

Company_response:
 only a comment on my credit reports saying the claims were "" verified '' I 'm not sure what "" verified '' means


Date_received: 05/14/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company_public_response: "" I 'm not in front of my computer
Complaint_ID: Yes
Consumer_narrative:
My mortgage experience with Chase was not good, the process was long and painful ; it lasted from XXXX XXXX to XXXX XXXX. The closing date was postponed three times because Chase was not able to close by the contracted date, and some information that I received during the process was misguiding. Despite the multiple times that the Closing Disclosure was reviewed by the Chase team, at the end, it came out with a mistake that worked against me. The appraisal should have been charged to the seller, as stated on the purchase contract at line XXXX, which document is attached, and was charged to me instead. Several times before closing, I pointed out to the Mortgage Banker, XXXX XXXX XXXX, that the seller was going to pay for the appraisal, and multiple times he told me that it was the XXXX XXXX responsibility to take care of it. As of today 's date, nothing has been done to correct such mistake despite the promises from the Mortgage Banker who said to me he would do something to correct it. Even on the day of closing, which is the date I signed at the title company, my Realtor sent a text to XXXX stating, " XXXX is signing at title right now. The settlement statement does n't reflect the {$500.00} she has already paid. Where is it shown. '' XXXX responded to her

Company:
 but if it is not there ... I will have it refunded to her after closing. '' ( The amount to be refunded to me is actually {$450.00}. ) After closing


Date_received: The first two times the closing could not happen
Product: Chase was blaming the HOA first and
Issue: and I was misguided by the Mortgage Banker about how to handle these claims. I am sure
Subissue: he himself
Company_public_response: on XXXX XXXX
Complaint_ID: Yes
Subproduct:
 the XXXX XXXX XXXX next for not responding on time about certain information being required ; others were blaming Chase for requesting the information late on the process. The third time the closing was postponed was related to collection agencies claims on my credit report. These claims were well known by the Chase team since the very beginning of the lending process when XXXX did my preapproval

Consumer_narrative:
 was not advised properly or not advised at all by other members of the team about how to proceed regarding the collection reports. At the last minute

Company:
 Chase decided to postpone the closing for the third time and charge full amounts of the "" debts '' to me on the closing disclosure ; even though I had already agreed to lower amounts with the agencies. Those agreements were done with the aid of the Mortgage XXXX who helped me to call the agencies to reduce the amounts and advised me to hold the payments


Complaint_ID: Yes
Date_received:
The bad experience does not finish here unfortunately ; recently I received my Chase credit card statement and found an unfamiliar charge of {$140.00} that I did not authorized ; it is related to the HOA Company of the condominium complex. I inquired an explanation of such charge

Product:
 and was informed that the lender had authorized it. If at least Chase would have told me that they were allowing a charge on my credit card


Date_received: As in any Mortgage process
Issue: JPMorgan Chase & Co.
Subissue: AZ
Consumer_narrative: 850XX
Company: Consent provided
State: Web
ZIP_code: 05/14/2016
Submitted_via: Closed with monetary relief
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 the customer has direct contact only with the Mortgage Banker and not with anyone else at Chase ; my frustration about the process is not specifically against him ; I must say that he tried to be helpful every time I directed a request to him. My frustration is with the whole team that did not show to be very efficient nor well coordinated."


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: HCFS Health Care Financial Services, Inc.
Issue: FL
Subissue: 330XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/1969 CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: CA
ZIP_code: 957XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a line of credit loan with Wells Fargo ( and car loan with XXXX ). Both are simple interest and both use a tactic that when you make an additional payment over the minimum instead of going against the principal they are applied to future payments. To apply additional payments to the principal you need to make a separate payment and forward to a different address. What a pain and not like my mortgage. Seems to be similar to loan tactics of the XXXX that tried to to discourage paying off loans early and max interest costs/payments


Date_received: 06/17/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Financial Business and Consumer Solutions.
State: CA
ZIP_code: 921XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am receiving repeated phone calls from a company called FBCS Inc. who is calling me from XXXX different phone numbers who have been calling me repeatedly. I have received and have record of XXXX calls since XXXX XXXX, 2016. I have answered the calls and no-one is there and the phone hangs up. I have called back and the recording identifies the caller as FBCS Inc. which is some kind of debt collector. I do not have any debt and feel these calls are harassing as they are calling my business phone.


Date_received: 05/24/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: CA
ZIP_code: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax is still reporting an item as belonging to me despite several disputes. I have received letters from the company holding the debt ( XXXX XXXX ) stating that this particular item does NOT belong to me but still Equifax wo n't remove it. They are the only credit company still reporting it on my credit. I 've tried calling, disputing, filing a complaint and after 6 months, it 's still there. Feeling very frustrated with this process and lack of communication on Equifax part. If they would pick up the phone and call XXXX XXXX, this could have been solved months ago.I am appalled at the process to remove an incorrect item. Most people would have given up or spent thousands of dollars using an agency to remove something like this. It should n't be that difficult. I HAVE PROOF from XXXX XXXX that the item is NOT mine. Ridiculous that Equifax ca n't obtain the same information and get this removed.


Date_received: 04/01/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: by telling me to hold
Company: then placing me back to their automated system.I have left messages for supervisors to call me
State: to date no one has given me a call.All I 'd gotten is an automated response after emailing them
ZIP_code: informing me that someone will contact me
Submitted_via: no one has.They have reported my name to the credit bureau
Date_sent_to_company: that has caused my credit score to decline.This is quite unfair
Consumer_disputed: and that I have XXXX late payment fees ; which could not be the case
Complaint_ID: because the bill is not owed for 6 months.When I ask to speak to supervisors
Consumer_narrative:
I had moved and have not been getting any bills, however my phone number is on file, because I 've order items prior, and subsequent to moving for in-store pickup, and I 've received text messages from the company for confirmation. I have been reaching out to Macys via phone and email to pay a store bill for months.It is obvious that they have changed how they conduct business, because it is quite difficult to speak with their representative. I have been left on hold for lengthy periods of time, had the phone hung up because they claim they can not hear me ( bad connection is on their part, because I 've called from different lines ), I 've had a " supervisor '' abandoned my call

Company_response:
 because I have been reaching out to Macy to get the bill settled before it escalated to that. I 've called numerous times

Timely_response:
 and I 'm always being given conflicting info regrading my account balance. I 've been told I owe various charges


Subproduct: JPMorgan Chase & Co.
Issue: CA
Subissue: 913XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: because the bill is not owed for 6 months.When I ask to speak to supervisors
Date_received:
In addition, on my most recent visit to the bank to discuss the status, I was informed a letter was sent out me explaining the delay but as of today no such letter has been received.


Date_received: 05/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 922XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My apt manager was a XXXX lived there for XXXX years with a roommate.She let it go so badly I had to leave. Every thing was bug infested abd ruined. Now I canot get one thing straight. I do not owe my roomates half and they will not take any offer to get this resolved. I need to get a place and thie a nitemarre on my credit. 13 years is along time to live somewhere never late on the rent. I have pictures of the bugs. I need this off my credit. I am XXXX on XXXX alone, so I do not have time for these games


Date_received: 05/24/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Consumer_disputed: Ocwen
Complaint_ID: TX
Consumer_narrative:
I filed Chapter XXXX Bankruptcy in XXXX. At the time my loan was current. My Mortgage company filed Bankruptcy and the loan was sold, then after I filed I was told to do a loan modification. The Modification was done in XXXX with OCWEN. We filled out all the paperwork and were told that to qualify for the loan the payment needed to be in default and to stop making the payment while the modification was being processed, reluctantly we did. After months of waiting the modification was done and they ended up adding XXXX to the balance of our loan. At that time as far as all the paperwork the loan was current and the escrow was current. The remainder of XXXX, XXXX and up until XXXX XXXX all the payments were made and the escrow was fine. In XXXX XXXX OCWEN removed over XXXX from my escrow account calling it a POC ( proof of claim ), which they claim was a pre-petition shortage in our escrow, this is impossible 1. the account was current when the Chapter XXXX was filed 2. they did not even have the loan in XXXX when the Chapter XXXX was filed 3. if they filed a proof of claim the court would have it and 4. if this was an accurate claim payments would have been to them by the Trustee as part of the proceedings. Their action have put my escrow in a negative balance and then they upped the payment over XXXX per month, which could not be afforded because we filed Bankruptcy. We immediately contacted them explained if they had a Proof of Claim they should contact the Trustee handling our Chapter XXXX and they had no right to remove this money from our escrow account, I am still waiting for them to give an explanation. Meanwhile they have been applying my payments to this shortage and now my payments are behind. I just contacted them again today requesting a line by line accounting of the XXXX added to my loan, and a copy of their proof of claim for our attorney. I was met with condescending, argumentative and a rude response. They told me I should have my attorney contact their attorney when I asked for the name and contact information, they were unable to provide that. When I asked for a copy of the proof of claim the response was " well its not a proof of claim it was a transfer of claim ''

Company_public_response:
 they did n't have a copy to send me. I was asked if the line by line accounting was for my attorney I responded yes

Company:
 and I was told that he should call for it. I told them this is my account I have the right to ask for copies of any documentation related to my account

State:
 I was told it would take 10 days. Now I have been getting nowhere with OCWEN for 11 months regarding this escrow discrepancy and our Bankruptcy is nearing the end of its period

ZIP_code:
 ( XXXX XXXX ). We were told if we did n't bring the account current in XXXX XXXX they would file for foreclosure

Submitted_via:
 we have quite a bit of equity in our home and we will not lose it. The Escrow account is not for OCWEN to remove money from whenever they feel like it. IF they had a claim it should have been dealt with by the Trustee of our Chapter XXXX. Due to their actions my account is behind. They refuse to send me the documentation I have request and refuse to explain themselves for over 11 months now. We believe that they are purposely dragging this out so they can file for foreclosure in XXXX and make even more money because we have XXXX in equity in the home. If something is not done we stand to lose our XXXX in equity along with our home

Date_sent_to_company:
 time is of the essence in this situation and I am getting nowhere with OCWEN. I have contacted our Bankruptcy Attorney for guidance and OCWEN needs to be stopped. I have read over XXXX complaints against OCWEN regarding the same type of deceptive acts

Company_response:
 and after reading the complaints realize that this senario is being played out over and over every day."


Date_received: 05/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: FL
ZIP_code: 331XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX, XXXX has recently provided information to an apartment management company I applied for, that I believe to be inaccurate. I recently applied for an apartment at XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX and was to sign a lease as soon as my background and credit came back fine. On XXXX XXXX, 2016 I was informed that my application was denied due to credit history, specifically collections actions by XXXX being unsatisfactory with an outstanding balance on an account ending in XXXX. I have contacted XXXX XXXX XXXX and verified I have no outstanding balances and every account I had with them was closed with a XXXX balance. Furthermore, I never had an account ending in XXXX. I do not have any collection issues with XXXX XXXX XXXX that would cause me to be denied. I called XXXX to ask for additional information and I was told to fill out a Consumer request to dispute the information given to the apartment complex which I e-mailed on XXXX XXXX, 2016 ( Reference : Case # XXXX ). They told me at XXXX that they do n't know how long it will take for the reinvestigation. I read online from other consumers complaining that it took nearly 30 days or more for them to get a response from XXXX which is not right because it took them less than XXXX minutes to get my report and provide wrong information to the apartment complex leasing office and it will take more than 30 days which is unacceptable. In this case I will lose the available apartment which has a XXXX year waiting list.


Date_received: 05/13/2016
Product: Credit card
Issue: Rewards
Company: XXXX. I think it was very close to the requirement
Complaint_ID: Yes
Consumer_narrative:
Hi! My name is XXXX XXXX. I got a British Airway visa card in XXXX, XXXX. When I opened my account, I thought I would get a travel together ticket if I spent more than USD XXXX within a year. And I have already spent more than USD XXXX now. But I did n't receive my travel together voucher, so I checked the website and found out that the requirement was within a " calendar year '' instead of "" a year ''. But I opened my card in XX/XX/XXXX

Company_public_response:
 there were only less than three months left in XXXX. And I spent more than USD XXXX before XXXX XXXX


Date_received: So I think the rule is very unfair for a new user. Like me
Product: just because I opened my card in XX/XX/XXXX
Issue: absolutely I would be qualified to get the voucher. Also
Consumer_narrative: the other is travel together ticket. For open card bonus
Company_public_response: the requirement is "" within your first year ''
Company: however
Complaint_ID: Yes
Subproduct:
 I lost my deserved reward from spending more than USD XXXX in less than 3 months. If I opened my card in XX/XX/XXXX

Subissue:
 the other thing I want to address is the rules are very confusing. There are XXXX types of rewards. XXXX is open card bonus


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Ditech Financial LLC
Issue: CT
Subissue: 060XX
Company_public_response: Consent provided
Company: Web
State: 07/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
in response to by last complaint a paralegal wrote me a letter had all the wrong infomation. ditech needs some serious help in the tax and escrow department"


Product: online application form
Issue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subissue: Citibank
Consumer_narrative: IL
Company_public_response: 600XX
State: Consent provided
ZIP_code: Web
Submitted_via: 07/06/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
I 'm disagree with this decision because of following reasons : 1. Citibank initiated this deal and promised this reward on the proposal without any mention about "" 18 months rule '' 2. No one document that I got ( welcome offer

Subproduct:
 Credit Card Agreement and benefits brochure ) contains the "" 18 months '' rule. It looks like Citibank deliberately kept back this important information to encourage me to use their product."


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: Discover
State: FL
ZIP_code: 327XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Please refer to case number : XXXX I open my discover bank checking account when I see the XXXX dollars promotion after XXXX Direct Deposits. I have made XXXX direct deposits through my payroll to my discover banking account, but they refused to give me the opening bonus as they promised when I open my account. When I open the account and put the promotion code in, there was no indication or notification that it was by invitation only. The system accepted the promotion code and says I will receive XXXX dollar bonus after XXXX direct deposits.


Date_received: 05/14/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: Whitney Bank
State: FL
ZIP_code: 321XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i recieved a predatory loan in 2008 from XXXX, then whitney and now hancock of XXXX fl.the president of XXXXand his sister construction loan officer stopped my draws my loan was for XXXX to complete my home i still had XXXX to use i could not go on so my home was nt finished i got out my loan papers which were mailed weeks later i went over and over i seen where they put my income at XXXX a month my actual income was ssi XXXX that i gave them proof of my co-borrow XXXX they put her income at XXXX actual was XXXX our combined actual income was XXXX not the XXXX they listed my assets the home where the house was being constructed i paid XXXX they put it as XXXX i also had XXXX vacant acres i paid XXXX 6 months prior they put dowm XXXX on loan docs XXXX different % rates XXXX different loan officers signatures with XXXX different dates which means XXXX signature is a fraud i have been trying to get help forever now i got forclosure papers i lost everythig this was my dream home and have nothing i have all docs to prove what i say but dont know where to turn aty gen fl., hud, i amm on ssi and get only XXXX per year so i cant afford an atty i even contacted the fbi by email and phone they have never once got back to me they listed my net worth at the time as XXXX know way is this true maybe XXXX if that know nothing we didnot lie on our app we gave them our proof of income when siging they put papers in front of us and we just signed our loan docs were mailed to us weeks later and i never looked at until they stopped my draws that should have terminated the mortage i would have finised my home and been living in it instead of being forclosed on now there is so much more to this and i have all the proof


Date_received: 05/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My account with XXXX XXXX AKA XXXX XXXX has been completely paid in full for months. Originally I tried to pay this debt through XXXX and was denied the opportunity and was forced to go through the collection agency which I did not want to do due to miscommunication. I paid off the FULL balance in order to receive a deletion from my credit report. XXXX XXXX and XXXX both have not taken the necessary steps to remove this account from my Equifax , XXXX, and XXXX credit reports and it is just unbelievable especially when I tried to pay the original creditor directly and was told I could n't! Now my balance is reporting incorrectly on some of my credit reports it says paid in full and on others it says " settled '' which I never settled I paid the FULL balance. This account needs to be deleted from all XXXX of my credit reports as agreed especially seeing as I dont owe them anything. That negative account is severely affecting my way of life at the moment and I need to see it gone. I keep requesting that the credit bureaus contact XXXX which they did and they even have sent me MULTIPLE statements saying my account was paid in full so I even have documentation. Please remove from my credit reports. I want to believe that XXXX is a good enough company to do this for me."


Date_received: 04/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: VA
ZIP_code: 234XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I paid XXXX last month to catch this account up to date and they are reporting paid up to date nor have they adjusted the months they say I was late and per document I sent you


Date_received: 05/20/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Shopping for a loan or lease
Company: Equifax
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My student loans where all consolidated into XXXX loan I was told that it will clear off my credit report to show as paid in full however I 'm shopping for home loan in because of this error I 'm unable to receive loan can you please assist me with this task. Thanks


Complaint_ID: Yes
Date_received:
This has hurt me as a consumer by lowering my overall credit history 's " age of accounts '' as well as decreased the available credit


Date_received: If I had been late
Product: over limit
Subproduct: or high credit utilization
Subissue: or at least my oldest account."
Consumer_narrative: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company_public_response: U.S. Bancorp
Company: OR
State: 970XX
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 07/06/2016
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: Yes
Issue:
 then I could understand the closure of my accounts. However I 've done nothing and would like them to reopen all


Subproduct: Equifax
Issue: MD
Subissue: 207XX
Company_public_response: Consent provided
Company: Web
State: 04/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I do not want to have to resort to legal means to get the issue resolved but will if it is not handled immediately. This is black and white, I did not have a late payment in XX/XX/XXXX yet it is being reported as late. This is a complete violation of the Fair Credit Reporting Act which is a violation of the law. This issue needs to be resolved ASAP. I had attached a chat that I had with a XXXX Representative that confirms my statement.


Date_received: 05/10/2016
Product: Credit card
Issue: Billing statement
Company: JPMorgan Chase & Co.
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a Chase Slate Credit Card on which I carried XXXX separate Balance Transfer Promotions which carried a 0 % APR for varying periods of time. It appears during the time the promotions were active, my minimum payments were applied to reduce the balance of the outstanding promotional balance transaction due to expire 1st. When the promotion which had a 0 % promotional APR expired, it 's unclear as to how the subsequent payments were allocated. It appears that the payment amount was split between the remaining 0 % promotional balance outstanding as well as the expired promotions outstanding balance. However, the amount applied to the expired promotions outstanding balance does not appear to have even satisfied the current statement cycle interest charges. Thus, between the XX/XX/XXXX and XX/XX/XXXX statements, the Balance Subject to Interest Rate increased from {$6300.00} to {$6400.00} even though a payment of {$190.00} exceeded the {$71.00} interest charges. Moreover, when I attempted to pay in full the expired promotional balance by paying {$6500.00} ( which exceeded the balance subject to interest rate on the previous monthly statement ), I was surprised to see still yet a remaining balance and interest charges accruing and perplexed as to why any portion of this payment would be allocated towards a promotional balance earning 0 % interest before fully satisfying the balance subject to interest charges.


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 'm with bank of america every time. I use my debit card the funds for that transaction are placed on hold. I had a transaction to go thru and the funds were n't there to cover it. I was charged {$35.00} since which cause everything processing to bounce and I received additional overdraft fees on XX/XX/XXXX. On XXXX XXXX I received and overdraft fee for my account which did n't have XXXX to cover a transaction all these are debit card purchases. I feel like a {$35.00} fee on XXXX is crazy when I was inquiring on how to file a suit I was referred to this site. So before I take any more actions I 'm going to see how this site helps


Date_received: 05/20/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 908XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I paid {$5.00} [ XXXX card ] to " unfreeze '' my account with T-U using the T-U-issued PIN. I then went into T-U website via XXXX for my FREE annual report. T-U FRAUDULENTLY refused to permit me to get this by FALSELY asserting that I had "" already '' received my FREE rerport. Unfreezing a file and getting a copy of that file is NOT the same thing. This is a pattern intentioinally SCHEMED by T-U. I demand my FREE report accessible on-line ASAP."


Date_received: 05/24/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: NY
ZIP_code: 116XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Equifax continues to report XXXX Bank as an Open Account, thereby distorting my credit utilization. This account was charged off in 2010 and is due to drop off permanently soon. My actual and current credit utilization averages XXXX therefore my credit score should be higher.


Date_received: 07/06/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Received marketing offer after opted out
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: NC
ZIP_code: 281XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Every month XXXX XXXX XXXX XXXX XXXX has been doing hard inquires on my credit. I never had any doings with this company or ever gave them permission to check me every month. Please help, have them REMOVE ALL their inquires from all XXXX of my reports or i will sue for XXXX for each. i also signed up to optout this XXXX. XXXX, XXXX XXXX, XXXX Ut XXXX ... XXXX


Date_received: 05/22/2016
Product: Debt collection
Subproduct: Medical
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Company: Senex Services Corp.
State: NJ
ZIP_code: 087XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My son had a XXXX in XXXX 2014 at XXXX XXXX XXXX and was covered under his father 's insurance. All the bills the hospital sent were in his father 's name. There were a few bills and he told me he took care of them. I received XXXX bill from XXXX XXXX XXXX XX/XX/XXXX and thought it must be wrong. I contacted the hospital via their website a few times inquiring about this bill, but never received a response. I found out that this is now on my credit report and went to the hospital and then the administration building. They told me that they switched it to my name without ever notifying me and never sent me a bill and sent it directly to a collection company.


Date_received: 04/02/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Problem cancelling or closing account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: SC
ZIP_code: 295XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/02/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Upon reviewing my Transunion Credit Report, on XXXX/XXXX/16 ; it was reported that a new collection was added to my report from XXXX XXXX XXXX XXXX XXXX. XXXX. This same account was reported to be removed from my Transunion Credit Report on XXXX/XXXX/2016. On the report from XXXX/XXXX/16 it states the Debt Collector as XXXX XXXX XXXX and the Original Creditor as XXXX XXXX XXXX XXXX XXXX, XXXX, it states balance owed as {$0.00}.


Date_received: 05/23/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Mariner Finance, LLC
State: FL
ZIP_code: 349XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This creditor/collection agency is reporting a fraudulent account to the consumer reporting agencies on my consumer credit report.


Date_received: 05/04/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company: Navient Solutions, Inc.
State: NJ
ZIP_code: 073XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I make monthly payments on my student loans. The payments are made out of my mother 's account by auto debit each month. The payments come out of the account each month between the XXXX and XXXX of each month. I have never missed a payment yet the servicer Navient did not apply my XX/XX/XXXX payment. I 've called the servicer Navient several times, talked to various customer service representatives, provided the bank records they requested to show we made the payment, and yet the servicer Navient has not applied the XX/XX/XXXX payment and has failed to even follow-up with me to explain what happened or even whether they 're looking into the payment they did not apply. I 've had to repeatedly call them to remind them of this payment they did not apply and to prod them to resolve this issue.


Date_received: 05/17/2016
Product: Money transfers
Subproduct: International money transfer
Issue: Money was not available when promised
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: CA
ZIP_code: 928XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I want to depute a wire international transfer I made with USBank on XXXX/XXXX/16 for the amount of {$4100.00} the money should have arrived no later then XXXX/XXXX/2016 it.s now been more than 15 day and nobody knows what happened to the wire transfer. According to USBank the money was deposit and it should already been deposit to the account I provide to them but the deposit was never made. I have a copy of the wire transfer along with copies from the international back account receipt showing the money was never deposit. I want to find out what happen to the money so hopefully we can resolve this issue accordingly thanks.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: SunTrust Banks, Inc.
Issue: VA
Subissue: 223XX
Company_public_response: Consent provided
Company: Web
State: 05/17/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I went through every online account on XXXX XXXX, XXXX to review each and every deposit, transfer and withdrawl. I discovered another discrepancy to my SunTrust Signature Account XXXX. The statements show XXXX XXXX XXXX XXXX Transfers to XXXX Account XXXX as follows : 1. {$4000.00} Bank Assisted Transfer to Savings Account XXXX on XXXX/XXXX/XXXX 2. {$3.00} Bank Assisted Transfer to Savings Account XXXX on XXXX/XXXX/XXXX 3. {$4000.00} Bank Assisted Transfer to Savings Account XXXX on XXXX/XXXX/XXXX I can not locate or have any documentation of setting up a Savings Account XXXX. I would not transfer money out of that account as it was to be used for purchasing my new home and associated expenses. XXXX XXXX, XXXX, I called SunTrust Customer Service. I spoke to XXXX different representatives, being transferred each time until I finally spoke with a supervisor, XXXX XXXX, XXXX SunTrust who informed me that XXXX XXXX would be investigating my problems regarding the missing funds, errors in transfers - no response YET!


Date_received: 05/15/2016
Product: Credit card
Issue: APR or interest rate
Company: JPMorgan Chase & Co.
State: CT
ZIP_code: 068XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I called the Chase credit card company to check the payment allocation rules before taking a Cash Advance. I was informed that a repayment would be allocated first to the Minimum Payment Due and after that against the highest interest balance. I took the advance. A while later when I was able to repay the advance, I checked my account online. The Cash Advance balance was showing, as was the Minimum pPayment Due. I made a payment sufficient to cover both. None of the payment was allocated to the Cash Advance balance. When I phoned to enquire they said I repaid it too early. I had to hold the Cash Advance Balance until the next statement. I do not think that is fair and i was not informed of that when I enquired before taking the advance.


Date_received: 04/15/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NJ
ZIP_code: 085XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
experian has taken too long with their investigation for XXXX ending in XXXX XXXX ending in XXXX also late payment for XXXX mortgage for XXXX 2015 needs to be marked current for XXXX 2015


Date_received: 04/26/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went to apply for a home loan and was turned down because of a judgment on my credit report from all XXXX agencies from an apartment complex that is not mine. I have been residing in a home for the past 7 years and this judgment is from 2012. I hired a law firm to do credit clean up six months ago and was assured this would be taken care of, however received a notice in the mail today from Equifax that their investigation concluded that this does belong to me. I am not sure what documentation could have been provided to confirm this but I have signed nothing to this matter at question therefore it must be some kind of fraud. I am having to put my home buying on hold until this is taken care of and I am pretty upset about that and very tempted to file some kind of lawsuit as this is not fair to me. Any assistance you can provide will be greatly appreciated. Thank you.


Date_received: 05/06/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ocwen Loan Servicing does not own and it not entitled to service the underlying loan. Moreover, Ocwen failed to comply with Dodd Frank regulations in connection with loss mitigation underwriting/modification application. They denied the application without proving any documents to the consumer which address the denial or the required information under Dodd Frank


Date_received: 05/16/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: JPMorgan Chase & Co.
State: VA
ZIP_code: 242XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase Mortgage bought my 5 year old loan, did not pay my homeowners insurance, sent a letter 2 days before it is expiring say they will buy a more expensive one for me. I have not changed my home owners insurance, they have an escrow account, and they should pay for it or close the escrow account and let me pay for it.


Date_received: 05/12/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: GM Financial
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I should have walked away when processing the loan. In order to be financed, I was required to purchase an expensive extended warranty that I did not want, and expressed I did not want. Then, somehow XXXX gained access to my personal information in the loan application and started calling my employer trying to sell me service ( got me in a lot of trouble at work ). I thought that was private information. In addition to the extremely high interest rate ( which was my fault for agreeing to-I understand that ), if you are late, they hit you with incredibly high fees that can exceed your actual payment. When my husband lost his job, I fell behind on my payments. They called me XXXX a day, even after making payment arrangements. I had to request they contact me by email or mail, and not by phone because they were harassing me. They did not like that. Even now, when I call, they do n't want to talk until I give them a number to call me on. Then, without warning or notice or anything, they repossessed my vehicle when it was only a month past due. Stay far far away from this scam of a company. It 's like making a deal with the XXXX himself.


Date_received: 03/31/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Capital One
State: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/31/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
on XXXX XXXX 2015 and letter was sent out from XXXX about a debt with capital one they said i owe, i received the paperwork around XXXX XXXX 2015 i did reply to say that the debt was paid for in bankruptcy ..but i never heard any thing else from them, they did n't say well ok or anything they just tryed to sever me in XXXX with paper work but i was never home, not until XXXX this year that had tacted on my door..and i found out they been trying to serve me since last XXXX, so they did try to validate the debt, from the paper work they serve me with, they had already got and affidavit sign on XXXX XXXX 2015 from the time they sent me the letter that i got XXXX XXXX, then i had to response back to them, they did n't even take 30 days to validate the debt i wounded had until the XXXX to response, had i not, but i did response right back and they ignore my letter, and i thought they where to stop collecting until they validate the date and send me some kind of correspondence, in stead they where getting affidavit to attached to the court papers, i never heard back from them, then i asked where they debt collector when i was in court last week, they said they where employee by capital one, but i said the paper work said you are debt collector attempting to collect a debt, they are lying about there identity i hope you can help me get to the bottom of this


Date_received: 05/20/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Integrity Solution Services, Inc.
State: SC
ZIP_code: 290XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Creditor violated the fair dept collection practice act ; by not allowing me to dispute this account or validating this account because I never received any notice of this dept.


Date_received: 07/27/2016
Product: Credit card
Issue: Transaction issue
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: NJ
ZIP_code: 076XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A fraudulent charge was made on my XXXX Credit Card on XXXX XXXX, 2016. On XXXX XXXX, 2016, I called USAA Customer Service and was told my card would be cancelled in order to prevent additional fraudulent charges from being made and that my account would be credited for the charge. I have never received the credit despite numerous calls to USAA Customer Service. Each time I call, I 'm transferred to different departments, but none of them see to be able to resolve the issue. They seem to be making absolutely no effort to resolve the issue.


Date_received: 04/17/2016
Product: Other financial service
Subproduct: Foreign currency exchange
Issue: Customer service/Customer relations
Company: Travelex NY, Inc.
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I attempted to exchange euros to dollars at the Travelex Kiosk ( XXXX XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, VA ) on XXXX/XXXX/2016 at approximately XXXX. I provided my identification as requested and the teller handed me a piece of scratch paper and told me to write down my social security number and phone number. I told her I did not want to provide the information and did n't want to continue. She proceeded to write down my license information on scratch paper and told me she needed to keep it because I declined the transaction. I take issue with this transaction. Under no circumstances am I going to give someone my social security number on a piece of scratch paper and further take issue with her writing down all my personal information on scratch paper and hiding it under a keyboard. This is highly unusual behavior for such a large company to ask for such sensitive information in such a un-professional manner. I do n't know this employee and how she is going to protect my information or if it is going to be taken and used for nefarious purposes. I complied with the request for ID and have no issue with that, but will not give up my SSN to an unknown person on a blank piece of paper. There is no way to assure that the information will be properly safeguarded if collected in such a manner.


Date_received: 05/19/2016
Product: Debt collection
Subproduct: Auto
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Company: Underwood Law Firm, LLC
State: NM
ZIP_code: 880XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
I bought a vehicle in 2012 and that vehicle was given back and repossessed due to failure of the motor. I only had that vehicle for four weeks. The company took it back and now I just found out they are garnishing my wages without notice of lawsuit or any communication. They want to charge me {$21000.00} for a vehicle that is not in my possession! This happened in 2012 and just now they are taking my wages without any notice at all!


Date_received: 07/06/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Complaint_ID: No
Consumer_narrative:
I attempted to view my free annual credit report yesterday XXXX XXXX, 2016 and was able to obtain XXXX and XXXX, however TransUnion redirected me to a page that gave a " four zero four - page not found '' error


Date_received: 05/11/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: wanting to meet with my training supervisors
State: wanting to have a video conference. There answers to this was
ZIP_code: "" Once you receive your working materials
Company_response: with my skepticism
Timely_response: I chose to just take this job one step at a time
Consumer_disputed: to not commit myself to anything that seemed fraudulent
Complaint_ID: deceptive
Consumer_narrative:
I was seeking an employment opportunity made available in relationship to my work with the XXXX as an enrolled member of a XXXX. In the process, I had applied to many different jobs, some could be directly applied to on XXXX and others you had to set up separate accounts and apply through those agencies. I got notification from a company called XXXX they conducted an interview, had me take a test of skills & abilities, and then hired me. I got notification saying, " CONGRATULATIONS

Company_public_response:
 XXXX is pleased to offer you the position of an XXXX. You 're Hired '' I asked them certain questions about wanting to meet with them in person

Submitted_via:
 a representative will be coming to your home to inspect your working materials and discuss any issues you will be having. As we proceed further you get to know more about the job and its duties. '' So this did seem little little disguised and not as straight forward as I would like ; however

Date_sent_to_company:
 I decided to give them the benefit of the doubt since I did n't want to blindly assume this was a fraudulent activity. So


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Receivables Management Partners, LLC
State: IN
ZIP_code: 472XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went to Collection Associates to get information on medical collections that keep showing up on my credit bureau that are keeping me from getting financing on a home. Collection Associates responded that they realized that the collections were not mine and told me that someone had to pay the collections. They would not issue a letter stating that they would remove the collections even after i provided proof that the social security number did not match.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Credence Resource Management, LLC
Issue: NV
Subissue: 891XX
Company_public_response: Consent provided
Company: Web
State: 05/14/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have tried calling this company several times, this morning, and I am not able to reach anyone in their office. Thier website states that you are open on XXXX from XXXX-XXXX, but a voicemail keeps picking up. I am extremely upset about this account and their illegally collection tactics. They need to immediately delete this account. I filed a police report this morning. I will also be contacting the Attorney General and the XXXX about this account and this company. If Credence does not remove this account from my credit report immediately, then I will be force me to take civil action against them. I demand that they contact their client and find whoever it is that owes them or XXXX this money, I also demand that they contact the credit bureaus and update my credit report immediately.


Date_received: 01/14/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
State: Metes & Bounds Title Company
ZIP_code: FL
Submitted_via: 338XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 02/23/2016
Complaint_ID: Closed with non-monetary relief
Consumer_narrative:
I recently closed on the sale of a house in XXXX. I was due money back from the sale and received my check in the mail. The check did not match the amount " due to seller '' on the attached XXXX seller settlement statement. When I asked the title company I was told the missing amount of {$830.00} was for the owner 's title insurance. Upon reviewing my closing paperwork there was no mention of a cost associated with the title insurance. I did sign the attached sellers affidavit but again there is no mention of a cost on the page I signed. In the attached email

Company_public_response:
 the title company says that I signed the XXXX statement instead of the closing disclosure and that I was still obligated to provide the title insurance. And that it was a "" learning '' on their part."


Date_received: 05/25/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: Fifth Third Financial Corporation
State: MI
ZIP_code: 484XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my bank, Fifth-Third, charged me XXXX overdraft fees based on processing transactions from most to least. the total amount of my overdraft was less that the total amount of XXXX of the transactions, but because of how they process their transactions, I received a {$110.00} fee for overdrafting {$13.00}. I will provide screenshots of my account as proof. at the end of monday night, we had {$56.00}. tuesday we were overdrawn the {$13.00}. wednesday we were hit with the fees.


Subproduct: Ocwen
Issue: NJ
Subissue: 088XX
Company_public_response: Consent provided
Company: Web
State: 05/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Now it shows on my credit report as if I had not made a payment for over thirty days when in fact I had made a payment on time, just with the new amount.


Date_received: 05/25/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Company: Lazega & Johanson LLC
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The collection actions of Lazega and Johanson has caused my family mental and financial anguish. Back in 2014, they froze the bank account of my son XXXX XXXX, who was not listed as a debtor on the case in any regard. He was a XXXX student and the funds that they took were from Student Loans. This action alone merits that the firm be disbarred and license suspended from practicing law. The matter has not stopped there. After garnishing my spouses paycheck for a period of 6 months, they have not turned the fund collected over to the debtor to update the files ; I called to inquire about the balance and they could not provide me with accurate accounting details ; I am requesting that my files be updated with the XXXX XXXX and a detailed ledger be submitted to me to show all payments received. I am also seeking legal recourse against this company, because of the mental anguish my son experienced. He was not listed on the case and should have in any way been held liable for any thing. Their actions left him without money for food or gas while XXXX hours from home. Please assist me in resolving this matter.


Date_received: 05/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: KY
ZIP_code: 425XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have contact XXXX to remove my charge off due to mistakes. They agree to remove the charge from my account but then Equifax reinstate the charge off to my account.


Date_received: 05/09/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Company: PayPal Holdings, Inc.
State: CT
ZIP_code: 063XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Paypal credit is asking for a high minimum payment in the amount of XXXX, the account is past due and over limit currently, which I understand. However, they are asking for such a high amount as it exceeds my weekly paycheck. I requested the amount lowered, however, was denied saying the account is again over limit and past due. The account is past due because I have fallen behind on payments with the account as well as other credit accounts I currently hold. I take care of my mother and have been paying for her medication ( s )


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Io, Inc.
State: VA
ZIP_code: 230XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
Receivables Management Systems ( original creditor is XXXX XXXX ) continues to report I owe them money, however this account does NOT belong to me. I have asked them to remove this several times, it was removed on XXXX XXXX, 2015 & was put back on my credit report in XX/XX/XXXX.


Date_received: 05/24/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Pressler & Pressler, LLP
State: FL
ZIP_code: 331XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Pressler & Pressler are trying to sue me and collect on a debt that is over 10 years old and not on my credit report.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Condo was returned to BofA in Chapter XXXX BK discharged XXXX XXXX, 2013. XXXX XXXX bought a pachage of properties from BofA has has been sending collection letters, phone calls and refuses to tell XXXX County Assessor that the condo is NOT owned by me


Date_received: 05/17/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: First National Collection Bureau, Inc.
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Supposedly there is a debt that I owe XXXX. It has been with a particular collection agency for the past 8+ years I am assuming ( Since i have not had XXXX in 8+ years ). I just now get a notice from a different Collection agency that they have been assigned this debt from the First agency. So they are sharing my information with 3rd parties for debts that are past the statue of limitations as well as I have no business with either Company. This is not only unethical but it is also immoral.


Date_received: 05/23/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Professional Debt Mediation, Inc.
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Professional Debt to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Navient Solutions, Inc.
State: CA
ZIP_code: 925XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 've spoken to the company ( Navient ) many times and told them I am unable to pay my student loans until the end of the month. i asked for a reduced payment plan or a forbearance. I was denied a reduced payment and I 'm charged every time I need to delay payment and can only hold payment for one month at a time. I asked that they stopped calling. My request was ignored and they call me no less than ten times a day, every day.


Date_received: 05/12/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company: Amex
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I AM REPORTING UNAUTHORIZED TRANSACTIONS MADE BY AMERICAN EXPRESS IN MY BUSINESS ACCOUNT. AMERICAN EXPRESS ASSESSED MY ACCOUNT TO MAKE CREDIT CARD SETTLEMENTS AND COLLECTIONS TOTALING {$23000.00} DURING XX/XX/XXXX-XX/XX/2016. THESE TRANSACTIONS WERE MADE BY A MERCHANT FOR GOODS USING AMX. THERE IS ABSOLUTELY NO REASON MY BANK ACCOUNT ROUTING NUMBER SHOULD HAVE BEEN ATTACHED TO THE XXXX TRANSACTIONS PROCESSED BY AMX. I WAS NOT INFORMED OF THESE ERRORS AND AM VERY UNSETTLED THAT MY ACCOUNT HAS BEEN COMPROMISED. THIS SITUATION HAS NOT BEEN COMPLETELY RECTIFIED AND I AM WORRIED ABOUT ANY CONSEQUENCES WITHE IRS REGARDING THE {$23.00}, OOO.


Date_received: 05/13/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Taking out the loan or lease
Company_public_response: that 's a problem
Company: good luck with that. '' I did n't press further as I was willing to overlook this as a singular
State: one-off problem. However
ZIP_code: about 18 months later
Company_response: just a few months before the lease expired
Consumer_narrative:
I had a 3-year lease with Kia for a XXXX Kia Sorrento that concluded on or about XXXX XXXX, 2016. The vehicle was returned on time, without damage and under mileage. All payments were made on time during the life of the lease. At the conclusion, I was invoiced the {$400.00} disposition fee as per the lease contract. I called Kia finance on XXXX/XXXX/16 and asked them to waive the disposition fee, but they declined. The reason I requested the disposition fee to be waived is because of repeated failures with the vehicle 's operation. Within the first few months of taking ownership of the vehicle, it started having problems with the electrical system, most notably that the voice-dialing feature of the hands-free system did n't work properly. I brought it to the dealership ( XXXX Kia in XXXX, OH ) more than once and asked them to fix it, but they were unable to. On the last instance, I had the technician sit in the car and was able to re-create the problem for him and his response was " Yep

Submitted_via:
 the car started having problems with the remote starter that XXXX installed prior to me taking ownership - including several instances where I drove the car and when I attempted to turn it off & take the key out of the ignition

Date_sent_to_company:
 the engine kept running. I again took the vehicle to the dealership but they were unable to find or recreate the issue. Finally

Timely_response:
 I was driving XXXX mph on the highway and the car completely shut off and I had to pull to the side of the road. I took it to the dealership again

Consumer_disputed:
 but they were unable to find any problems or recreate it. I finally turned in the vehicle at the end of the lease and will not be doing business with them again. I asked the people at Kia Finance to waive the disposition fee as a sign of good faith and they declined. I will be paying the fee so as not to have it go to collections

Complaint_ID:
 but I think this should be investigated further as the company was repeatedly unwilling or unable to resolve multiple safety issues with the vehicle they leased to me."


Date_received: 05/17/2016
Product: Credit card
Issue: Transaction issue
Company: Capital One
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a dispute with XXXX XXXX over a a cancellation fee they are charging me. The merchant has provided capital one dispute team, with inaccurate false information and Captial one 's dispute account managers are not doing their due diligence in investigating the situation. I have been told misinformation since XXXX XXXX, 2016 and my last encounter with the rudest account manager i have experienced there is what has drawn me to file this complaint. He proved to me that they are not reading the submitted materials. They are interpreting hard facts in the favor the merchant. THe last account manager, Said he was the HIGHEST person I would be able to talk even if the information he provided was inaccurate. I asked him for his name and ID and his name is XXXX. His attitude and knowledge exemplifies the on going problems that Cap One has with proving customers with accurate, timely information.


Date_received: 04/17/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Received a loan I didn't apply for
Subissue: Received a loan I didn't apply for
Company: MoneyGram
State: LA
ZIP_code: 704XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was contacted by XXXX on XXXX XXXX, 2016 stating I was approved for a loan in the amount of {$2000.00}. They deposited {$720.00} into my bank account. All I had to do was withdraw that amount, send the money back and they would deposit {$2000.00}. They asked for my online bank information including my security codes. After awhile I began getting suspicious. The following morning I received an email from my bank stating the check they deposited was on hold for 5 days be a use the check may not be good. When I notified them about this, they began getting very irate. I told them the funds were frozen and they kept insisting I go to Wal-Mart to get the money out. Since Thursday XXXX XXXX, my bank account is still frozen. The company states the name is ACE Cash Advance and the person 's name is XXXX XXXX.


Date_received: 05/11/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: MO
ZIP_code: 630XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
My bank account was compromised due to fraud. XXXX XXXX XXXX made me close the account and start a new account. i contact my credit card company Wells fargo Home Furnishings and informed them about it. In the past one month itself they kept running my EFT payments with the old account almost 4 times a month and then charging me a fee for it. I want all the fee waived and stop them from doing this.


Date_received: 04/20/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Flagstar Bank
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX I put my house up for sale, and immediately moved out with my XXXX kids, due to a divorce. I moved down the street to an apartment, pending the divorce decree and the rights to the home turned over to me. My lender Flagstar Bank has denied every short sale, deed in lieu of foreclosure, and offer that my realtor submitted. My XXXX year old aunt took ill this XXXX XXXX, so I had to get rid of my mortgage attorney. The lender is not allowing me to refinance or do anything to save my property. I now have a $ XXXX-XXXX deficit with the lender. The house has been on the market for two years. The lender requested XXXX for the home. A buyer submitted the offer of the exact amount, and we were then asked to get an appraisal and survey done. Those procedures have been completed, and now the offer has been denied again. I have been treated very unfair over two years and I am doing everything to save my home, my credit, and find my XXXX kids and I a safe place to stay. The lender is not communicating with me or the realtor. I pulled my credit report on Friday, XXXX XXXX, XXXX, and then saw " foreclosure initiated '' on my credit report. I have not received any additional documentation to my current residence."


Product: Company believes the complaint is the result of a misunderstanding
Subproduct: Hunter Warfield, Inc.
Issue: FL
Subissue: 330XX
Company_public_response: Consent provided
Company: Web
State: 05/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX


Date_received: 05/11/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: JPMorgan Chase & Co.
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On Monday XXXX XXXX 2016, I proceeded to the Chase Bank in XXXX XXXX IL. The sole purpose of my visit was to take my mom in to close her current account and to open up a new one, due to a scam that she encountered due to a purchase on the internet. Once that was completed I proceeded to open me a new account with chase, based upon a conversation that I had with a representative stating that I could do so because I no longer owe chase that money. So I proceeded, the account was opended and I went home, The following day XXXX XXXX 2016. I proceeded to enter a Chase branch in XXXX IL to request a different design debit card. At that time I was told that my account was closed, they snatched my debit card, and pushed me out of the Branch without a explanation. I then called the customer service number, who informed me of the same thing. but yet did not tell me why. Only that they will mail me a check, my account is closed, and no one else in the whole company can tell me why my account is closed. The funny part is, here today XXXX XXXX 2016 and my account is still open per my Chase mobile app, with the XXXX still in my account.That was my only means of money and yet they still have the account open, so how is that possible when chase was rude and lied and did not give an explanation!!!!!! I was treated unfairly and discriminated against!!


Subproduct: Discover
Issue: FL
Subissue: 321XX
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Respectfully I request Discover Financial Services amend the XXXX XXXX to reflect the appropriate XXXX.


Date_received: 05/24/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Submitted_via: Financial Credit Service, Inc.
Date_sent_to_company: KY
Company_response: 400XX
Timely_response: Older American
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
Today, XXXX XXXX, 2016, I received a letter from ARA, Inc. stating that I owed them {$23000.00} for a debt that I did not incur. I called them immediately and was asked by their representative, XXXX XXXX XXXX, if my social security number was XXXX. I stopped him after the third number and told him it was not me. He then proceeded to tell me, " according to the Federal Social Security Database

Company_public_response:
 that I am related to him. '' He then proceeded to tell me MY social security number and maintained that IF it was truly my s.s. number

Company:
 that I had to be related to the other person with a name that happens to be identical to mine. I have a seven-year fraud alert on my credit report and he acknowledged that he saw that when trying to find his debtor. My question is : how is it possible that he gets my social security number when I have done nothing wrong and is able to threaten me with a bogus letter? Further

State:
 how can he lie about a Federal Social Security Database that tells him that his debtor is related to me?"


Subproduct: Ocwen
Issue: AZ
Subissue: 856XX
Company_public_response: Consent provided
Company: Web
State: 05/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Please, is there anything you can do to get Ocwen to stop sending secure account information in an email?


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: XXXX XXXX
State: XXXX XXXX
Date_sent_to_company: 2016 I spoke to a customer service supervisor
Timely_response: he promised that my payment would be properly credited by XXXX XXXX
Complaint_ID: 2016 and nothing had been done. On XXXX XXXX
Consumer_narrative:
I received a call today from XXXX at DITECH on Thursday, XXXX XXXX, 2016 that my XXXX XXXX, 2016 payment had not been received. I checked with my bank and verified that the automatic payment was sent and the funds were deducted from my account on XXXX XXXX, 2016 the same way that it had been done for years. I told XXXX that I could have my bank contact her. She suggested that I make the payment again while they " tried to find the original payment ''. I talked to her supervisor

Company:
 and he said that they would track the original payment and contact me within "" XXXX hours ''. No one contacted me. So I called on

ZIP_code:
 2016 at XXXX and they said that they would have to have XXXX call me back. I waited the entire day and she did not call. So at XXXX

Submitted_via:
 I called for XXXX and I was curtly told to hold for her. I waited ten minutes with dead silence and no one responded. I called back at XXXX and the auto message said that there is no one there to help me. On XXXX XXXX

Company_response:
 XXXX XXXX. He said that after they had changed all of the account numbers and that it was "" a mess ''. But

Consumer_disputed:
 2016. He also promised to reverse the late charge and to send me an email telling me what had happened. I checked on XXXX XXXX


Complaint_ID: Yes
Date_received:
I have challenged TU and XXXX to produce evidence of these alleged debts which contradicts these facts and they have refused to supply such documentation. Therefore


Date_received: I continue to assert these alleged debts are only reportable
Product: as collectable
Issue: is a violation of the FCRA. ( This is a separate dispute which now moves to litigation. )"
Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: TransUnion Intermediate Holdings, Inc.
Company_public_response: CO
Company: 802XX
State: Older American
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 07/06/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: Yes
Complaint_ID: 2000519
Subproduct:
 for a period of 6 years per Colorado statute ( authority previously provided ) which is being willfully and purposefully violated by the false representations on my credit report - which in itself


Date_received: 05/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: CA
ZIP_code: 912XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been harassed by Natinstar reps on my cellphone and business everyday, till XXXX for the last two months claiming my mortgage is late and after follow up with their customer service they confirm that I am not late, and am current and my next payment is due in 30 days yet those phone calls do n't stop.


Date_received: 04/09/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Using a debit or ATM card
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: NetSpend Corporation, a TSYS Company
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
PayPal is randomly sending PayPal account holders debit cards without permission ( unless permission is buried in fine print ). Recipients of the card do n't know what it is, why we are receiving it, if it was fraudulently requested, etc. -- then we have to spend 20 minutes holding for PayPal customer service only to find out that PayPal randomly sends the cards to account holders whether or not they request it. It is absolutely ridiculous and PayPal should know better.


Date_received: 07/06/2016
Product: Credit card
Issue: Rewards
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: OR
ZIP_code: 977XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/07/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I recieved a BankAmericard cash rewards card XXXX. The rules then were 3x cashback on Gas, grocery, and drugstore purchases for the first 6 months. Plus, you earn 1 % cashback on all other purchases. After that was only 1 % for every purchase. This took over 5 years to reach the {$300.00} mark for cash rewards and would have been 25 % more, if it was transferred into the checking account I have had since the 90 's. But they decided to change all the rules and XXXX people out of {$45.00} of the money originally promised for over 5 years. They decided to change it to 10 % now in XXXX 2015. I just finally got to {$300.00} last month 's statement, I was told. I am angry that, it took over 5 years to try and use my card as much as I could to try and get to the {$300.00}, so I could benefit from the 25 %, the reason, I wanted to have the card in the first place. Now only to find out when I tried to transfer my {$300.00} it took over 5 years to reach, that I was not going to get {$45.00} of that money now. To me, this is a way to XXXX everyone who originally got this card, we all lose out on the 25 %. Which BankAmericard is now making money from screwing us all by changing the rules to take it to 10 %, they are making {$45.00} a head from everyone this has happened to, that has taken years to reach this goal. Now we are told, sorry plans changed. Well, I do n't know about anyone else, but this is not very good business. I feel like I just wasted over 5 years of my life, thinking I was soon going to get {$75.00} extra for using this card. How convenient, the average use of this card, will take the average person that long to get to {$300.00}, so they make more money off of screwing us, by changing the rules, when they see how many people are going to reach their {$300.00} goals. This makes me sick. I want my money from my original, reason for signing up for this card in the first place. If I would of known they were going to pull some XXXX like this, I would of never signed up for the card in the first place. Seems a little crooked business strategy if you ask me, not honoring that long of a customer 's contract. I called XXXX before writing this, XXXX, customer service, would n't or was n't able to do anything for me. I told her, sounds like I need to take my money out of the bank and cancel this card, cuz what is the next horrible thing you are going to change? I am not willing to wait to find out.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Auto
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Honor Finance Holdings, LLC
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Honor Finance calls me everyday to collect my daughter 's debt and I am willing to communicate with them. My daughter agreed and asked for something in writing. After this they continue to call but are changing their mind regarding the agreement. My daughter will not communicate with people because of her XXXX and they were willing to talk to me before. Now they are saying they spoke with her ( untrue ) and are telling me they know my name and where I live. To me this sounds like threats.


Date_received: 04/25/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: FL
ZIP_code: 322XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My husband died in America and I was forced to return to XXXX XXXX. I 'm the Executor of his estate but the Bank of America refuses to pay me the balance in his account. There reason being? we are not going to be able to accept the documentation you provided to me to open an estate account. As we discussed before in the past, the documentation for the estate would have to be from a State of Florida Judge naming the personal representative to the estate. Once we have that documentation and a tax ID number for the estate we could then open an estate account for the funds that he had here at Bank of America to be deposited in and the personal representative could distribute the funds as they see fit.


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: MO
ZIP_code: 658XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I called Bank of America to make my monthly mortgage payment, and when they processed the request they submitted a double payment to my bank account, overdrawing my account. The payment they were supposed to pull was {$750.00} and they pulled {$1500.00}. When I contacted them, I was told that I had to submit a bank statement showing the incorrect payment amount and then it could take up to XXXX hours to receive credit back. When asked why the wrong amount was taken they told me they only show the amount of {$750.00}. when asked what happens to the remaining {$750.00} they could not answer me. Their system would not let them see their error.


Subproduct: Nationstar Mortgage
Issue: TX
Subissue: 750XX
Company_public_response: Consent provided
Company: Web
State: 05/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
4. On XXXX XXXX, XXXX, Nationstar reported the following to XXXX Bal. Due XXXX Amt past due XXXX Actual payment XXXX XXXX. On XXXX XXXX, XXXX, XXXX Credit Report indicated the following : 1. Account Status Closed 2. Payment Status Foreclosure proceeding started 3. Status update XXXX XXXX, XXXX XXXX. Past Due amount {$110000.00}


Date_received: 03/27/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Company: Encore Capital Group
State: OH
ZIP_code: 450XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/27/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Sent a cease and desist letter to midland credit management on behalf of my mother who is suffering from XXXX..she is currently in a care facility and is unable to afford any bills..this cease and desist letter was sent out in XXXX of 2016..going through her mail today..there is correspondence from Midland Credit Management again asking for payment..


Date_received: 07/07/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Mariner Finance, LLC
State: PA
ZIP_code: 172XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Mariner Finance XXXX is reporting a debt on my credit file. The debt belongs to a family member. They sent a check in the mail to my step daughter in her name for {$710.00} and she cashed it at her bank. She failed to pay the debt and after they failed to get payment from her they attached it to my social security number and changed my name on my credit file to her name. We have disputed the fraudulent debt with XXXX twice and the cfpb once, and they fixed it. Mariner however is still reporting it to XXXX under my social security number. XXXX has investigated it twice and are still saying it 's my debt. I have never been a customer of Mariner Finance and believe they have obtained my social security number, and are fraudulently and with malicious contempt to collect a debt under false pretenses


Subproduct: Amex
Issue: CA
Subissue: 931XX
Company_public_response: Consent provided
Company: Web
State: 05/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Even when specifically permitted by this chapter, such charges or fees may not be excluded, withheld or deducted from property sub ject to this chapter if, under its policy or procedure, the holder would not have excluded, withheld or deducted such charges or fees in the event the property had been claimed by the owner prior to being reported or remitted to the Controller.


Subproduct: Equifax
Issue: FL
Subissue: 330XX
Company_public_response: Consent provided
Company: Web
State: 05/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Address : XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX The dispute was because I defaulted on this account back on XXXX XXXX and went to charge off on XX/XX/XXXX, they still reporting this account as my last payment was on XX/XX/XXXX which is false information. Also this account its been on my credit report for 9 years already, should be remove after 7 years.


Date_received: 05/12/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company: Navient Solutions, Inc.
State: WA
ZIP_code: 980XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Navient reported to my credit report that the loan was past 60 days due. I have made multiple attempts to change the address they have on file to the correct address. They still keep sending my mail to my old mailing address.


Date_received: 04/30/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: JPMorgan Chase & Co.
State: OH
ZIP_code: 454XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/30/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XX/XX/2014 Chase Banking copy, s of my bank statements a loan That I know nothing about this company was taken money out of my account Rise they have been sued Chase bank put on XXXX I have sent letters to them also I have had fraudulent accounts from loans to credit cards I have sent copy to law frim to look at I did know any loans never gave any to take any money out of my accounts Chase will not working on this to delet account XXXX.


Complaint_ID: Yes
Date_received:
Last Friday I ordered another card and again asked for it to be expedited. However, because of the previous incident, I wanted to verify that it was, indeed, sent expedited. I called back on Monday and was told that there was some " temporary issue '' preventing them from seeing how it was actually sent

Product:
 but the reviewed the notes and found that it the notes were clear that it was to be expedited. I called again last night ( Tuesday ) and was told the same thing


Complaint_ID: Yes
Date_received:
I called back today and found that they *again* sent it regular mail and not expedited. But they also say that once they 've sent a card


Subproduct: Amex
Issue: NY
Subissue: 113XX
Company_public_response: Consent provided
Company: Web
State: 05/25/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
This is unacceptable. XXXX such mistake happens and I let it go. Making the same mistake twice in a row is unacceptable. Being completely unwilling to fix their mistake by sending a new card is completely unacceptable."


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Resurgent Capital Services L.P.
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Account was settled on XXXX XXXX it was an account from XX/XX/XXXX and Lvnv reported the balance as a geliquent acct opened in XX/XX/XXXX it was reported on XXXX XXXX XXXX


Date_received: 05/20/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Santander Bank US
State: PA
ZIP_code: 194XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX I opened a simply right checking account online with Santander Bank because of a promotion being run for a {$150.00} bonus. As per the terms, my account has been open and in good standing for more than XXXX days and I have funded said account in excess of {$500.00} through direct deposit. As per their terms, the bonus would be credited within 30 days if all terms were met. I have met said terms and contacted their customer service by phone 7 times and email once. I have been told multiple times that it would be credited on a certain date, and it still has not.


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Bank of America
Submitted_via: CO
Date_sent_to_company: 805XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/03/2016
Consumer_narrative:
Bank of America claims that they sent me a letter by USPS and made one phone call to let me know that my residency paperwork was not in order. I did not receive the USPS letter and thought the phone call a scam as there was no tag/flag on my account when I logged in to my online banking with BofA. They suspended my account, were slow in responding to me and caused me to accrue fees from my bills because the account was suspended and thus the funds did not go through. BofA 's own credit card charged me a fee, when the card itself was suspended for the same reason. After submitting my paperwork and reinstating all my accounts, I am still getting " suspended account '' reports when I try to pay my bills ( from time to time ). The Bank can not explain why this is

Company_public_response:
 but surely my utilities company does not have a reason to lie to me when the payment did not go through and they received an account suspended notice. I was told my account paperwork has not been up to date since XX/XX/XXXX. Why then

Company:
 could they not give me a few more weeks to give them my paperwork and try for better communication methods? Is this the bank 's way of making up for the penalty that they had to pay because their customer 's paperwork were not in order since XX/XX/XXXX? Is BofA trying to make its customers pay for the penalty?"


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: MO
ZIP_code: 630XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The company called ARA Prelitigation Firm contacted me from a private number and said that I was listed as a point of contact for an individual who has XXXX pending check fraud alegations against them. They are going to verify my residence and my place of employment so that documents can be delivered to me accordingly. If I am just a point of contact what kind of documents am I responsible to receive? They are trying to collect non existing debts from easily convinced individuals who will fall for their scare tactics ... I am not one of them!


Date_received: 05/19/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have a XXXX account that is linked to my wells fargo account and pre authorizes payments on its behalf. I began getting emails from wells fargo alerting me that I had insufficient funds in my bank account, so I went on and saw that they had charged me XXXX times with a {$35.00} overdraft fee. I called them and they issued me a partial return of {$50.00} towards my XXXX total of {$210.00}, ultimately not helping my situation one bit. I explained that I am a XXXX and how last week was my XXXX, and that I would address the overdraft fees but that in the meantime I wanted them to please do me the courtesy of not charging me those overdraft fees as I work out my situation with XXXX. The following day I was charged XXXX more with a {$35.00} overdraft fee, and once again called, this time speaking to a man who told me he could n't do anything and that I had to pay the {$300.00} overdraft fee. As I mentioned before, I just XXXX and spent the last year as a XXXX. I have no way of paying this fee, and it 's usury and exploitation on their behalf. I really feel that this type of practice is corrupt and must be looked into because they are taking advantage of me and know I can not pay these fees.


Date_received: 05/06/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: SunTrust Banks, Inc.
State: FL
ZIP_code: 334XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have never had a company so intent on making things difficult for me like SunTrust. I lost my job almost two months ago so I went online looking for employment I found what I thought was a great work-from-home opportunity on Thumbtack doing the same thing that I 've been doing went through an interview process received an offer letter just like any other job I 've applied for after a couple of weeks I receive my first paycheck after a month of no income I was extremely happy so I went to deposit check inside the SunTrust XXXX. 30 seconds after depositing the check inside the branch I get a call from the branch manager letting you know that she thinks the check is fake and she would recommend that I not deposited this is my first time ever hearing about it so I asked her why she thought it was fake she explained to me some of the inconsistencies in the check so I agreed not to deposit the check and she would return it to me so I can get in contact with the company. The following day I want to deposit {$100.00} in cash and found out that my account was being frozen again because of the check that THEY DID NOT deposit. It is now going on the second week with no resolution. I am the victim I am the person and being defrauded by this company yet SunTrust is making me feel like the villain with all of the issues I 'm having with SunTrust it 's hard for me to believe that the bank can act like such I 've attached a copy of the check and the offer letter that I received from the company and can provide any other documents that XXXX sent me


Subproduct: Seattle Service Bureau, Inc
Issue: MI
Subissue: 485XX
Company_public_response: Consent provided
Company: Web
State: 05/25/2016
ZIP_code: Closed
Submitted_via: No
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I spoke to National Service Bureau on XXXX/XXXX/XXXX and offered to pay for the bill, in full, but requested that they update my address and remove this from my credit report based on the fact that I never was given an opportunity to pay it. They acknowledged they had an incorrect address, and still refused to comply with my request. I remain adamant that should I have been given the opportunity as I am entitled by law to dispute or pay this debt within 30 days of being notified, I would have exercised my rights to pay this and avoid this 7 year adverse remark on my report.


Date_received: 07/06/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I just refinanced my private loans from Wells Fargo to XXXX XXXX saving me over {$1000.00} a year in student loan payments. My issue is with Wells Fargo Bank. Due to the length of time it took me to complete my new application the payment XXXX XXXX sent Wells Fargo was {$1700.00} higher than my current loan amount. Due to some ludicrous guideline that Wells Fargo has they must wait 21 days to clear those funds to send to the new institution. Meanwhile I 'm now starting to accrue interest on the higher loan amount. This is a ridiculous practice that needs to stop. If I was one day late on my Wells Fargo payment they start tacking on daily interest yet when I overpay my payoff amount they are allowed to hold onto my funds for 21 days while they " clear '' the payment. It is not right that big financial institutions get to make up their own rules on how to treat payments and paybacks because they always end up punishing the consumer who is just trying to be financially responsible. The 21 day waiting period needs to stop on getting refunds to student loan payments!"


Date_received: 05/25/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Company: Navient Solutions, Inc.
State: TX
ZIP_code: 794XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Loan had been in XXXX related Deferment on a yearly basis. Navient requires yearly renewal paperwork from my XXXX office. This was submitted to Navient via fax on XXXX/XXXX/XXXX. Began receiving phone calls from Navient regarding my loan in late XXXX. The phone calls stated that my loan was in repayment status and that payments were past due. Once I explained that I had submitted the Deferment paperwork I was told that it was not on record. While on the phone they looked through my file and found my paperwork. Two weeks later began receiving phone calls again. I was told that the paperwork on file was not sufficient and would need a conference call with my XXXX. Once I was able to arrange this I called Navient back, The then stated that this was incorrect and that my loan was no longer eligible for Deferment. They stated that it had exceeded the allowed Deferment time period. I asked for a copy of my promissory note. I was told that it would take 30 days to get the promissory note to me and until then my loan was in danger of defaulting. I was told that in order to prevent it from defaulting while I waited for the promissory note I would need to make a payment.. This was in XXXX XXXX and I paid them approx. {$500.00}. In the beginning of XXXX I spoke with a different advisor at Navient who said the initial person in XXXX was incorrect and that I had one more month available of Deferment. I was instructed that I needed to submit additional paperwork and that this would be mailed to me. I continued to receive multiple daily phone calls and when able to answer I was told that it was in fact in the mail on it 's way to me. After 3 weeks I called again and expressed my concern that I had not received it. They then emailed it to me XXXX. I had it completed and faxed to them XXXX. 2 weeks later I received a notification that my loan had defaulted. Once I tried to explain the situation with multiple different levels of individuals I was told there was nothing I could do. The only thing I could do was pay the past due balance which I was told had started XXXX, XXXX before I would be able to make a settlement. I have tried to reach the XXXX via email and phone with voicemails multiple times for the past 3 months with no response. There are multiple missed payment flags as well as the defaulted loan on my credit report. These are having a substantial negative impact on my credit score which is affecting me drastically.


Subproduct: Big Picture Loans, LLC
Issue: TN
Subissue: 373XX
Company_public_response: Consent provided
Company: Web
State: 05/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I was NOT informed of the whopping 974.0608 % Interest Rate that I would be charged and the Finance charge of {$1800.00} making the total amount to be paid $ {$2200.00}, There is absolutely no way I would have agree to this Loan if I had been told the truth upfront but I was not able to view the " Truth in Lending '' disclosure until after the loan had been processed and funds delivered to my account. This is illegal and I will be taking it further."


Date_received: 03/25/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Southwest Credit Systems, L.P.
State: PA
ZIP_code: 191XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/25/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
On XXXX XXXX XXXX I paid {$320.00} to XXXX, for internet and cable TV. This payment included an early termination fee, the current monthly fee, and was paid in full to close the account entirely. Around XX/XX/XXXX I was notified by SW Credit Systems INC that XXXX had sent me to collections over the matter of {$82.00}. I immediately called XXXX and was told by a customer representative that the charge was erroneous ( especially in consideration that we had not been contacted once about the bill ) ; I then relayed the ticket number for this erroneous charge to SW Credit Systems INC. On XXXX XXXX XXXX I spoke to another representative of XXXX who stated that the mistake was now on my part and that XXXX would not honor its previous intent of retracting the billing. As of today, XXXX XXXX XXXX, I have paid the bill to SW Credit Systems INC since it has impacted my credit. Additionally, I spoke to a XXXX representative who could not verify why this charge had been generated as an early termination fee if we had not seen any additional charges for XXXX XXXX.


Subproduct: Exeter Finance Corp
Issue: OH
Subissue: 452XX
Company_public_response: Consent provided
Company: Web
State: 05/14/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
You can reach me at XXXXXXXXXXXX or via phone XXXX to help resolve this matter. Thanking you in advance XXXX XXXX.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Company: Portfolio Recovery Associates, Inc.
State: LA
ZIP_code: 701XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Portfolio Recovery continue to attempt to collect on a debt that they forgave. I was sent XXXX but they continue to harass me by asking for payment on a debt they forgave and written off thru the IRS. Also they falsified information on my credit file stating that the debt was opened in 2012 to avoid removal of the debt which negatively impacts my credit score in a collection tactic attempt.


Date_received: 04/28/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: CA
ZIP_code: 902XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I disputed an incorrect collection/delinquent account from XXXX XXXX, Acct. No. XXXX. I have letter ATTACHED FROM XXXX STATING IT FILED AMENDMENTS WITH ALL MAJOR CREDIT REPORTING AGENCIES TO DELETE THIS ACCOUNT FROM MY CREDIT REPORT. I have attached that letter to this complaint. Equifax did not remove the item from my credit report. Equifax did not provide any documents supporting its refusal to delete, as I requested and as required by the FCRA, it just said the item was 'verified ' without any supporting documentation. I request you to resolve this issue with Equifax to remove the item from my credit report, as instructed by the creditor in writing on the attached letter. Thank you. Please notify me of any action taken, XXXX XXXX, XXXXXXXXXXXX ; XXXX XXXX XXXX, XXXX XXXX, CA XXXX. Thank you.


Date_received: 05/20/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
ZIP_code: they have refused to give specific dates when these issues will be addressed/completed
Date_sent_to_company: they have continued to report false information regarding our credit
Company_response: thus exacerbating the damage to us
Complaint_ID: I think that this correspondence should provide enough information to your tax payer funded
Consumer_narrative:
The mortgage on the home that my ex-wife and children live in was finally modified under what I believe to be the XXXX Program. I say finally because we attempted either XXXX 4 times over multiple years to get a government sponsored modification from XXXX XXXX XXXX and ran into issues such as " lost paperwork ''

Company_public_response:
 incorrect information and possibly outright lies and mail not being received that was supposedly sent by them. The modification was eventually finalized on XXXX/XXXX/XXXX by XXXX XXXX XXXX. XXXX days later on XXXX/XXXX/XXXX

Company:
 this mortgage note and the loan servicing rights were sold to Fay Servicing. The issue is that to this point Fay Servicing is not recognizing the fully completed and executed loan modification contract which is causing both my ex-wife and I significant problems. They have incorrectly reported false information to the various credit reporting agencies while they had the correct information available to them

State:
 thus causing XXXX loss of a significant opportunity as well as damage to XXXX my ex-wife and I in general. In response to our numerous requests to have them correctly recognize the completion of the loan modification as well as removing and/or reversing the false reports to the various credit agencies

Submitted_via:
 and have not provided answers to pertinent information relating to this account and these issues. All the while

Timely_response:
 as well as refusing to address the situation of incorrect miscellaneous charges being applied to the account due to their lack of recognition of a fully executed legal contract in the form of the loan modification. In the case of both XXXX XXXX XXXX and Fay Servicing

Consumer_disputed:
 there are more specifics relating to these issues and the lack of responsiveness in addressing them appropriately. However


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Medical
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Financial Corporation of America
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Financial Corporation of America has been calling my hospital trying to contact myself and I am an XXXX. My understanding is they are not allowed to try to contact you based on XXXX if they know your employer prohibits the consumer from receiving such communication. I am unable to leave patient rooms to speak with them when they call to tell them to stop calling.


Date_received: 05/12/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Wells Fargo & Company
ZIP_code: MI
Submitted_via: 481XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/12/2016
Complaint_ID: Closed with monetary relief
Consumer_narrative:
Me and my husband open a Wells Fargo account on XXXX/XXXX/2016. The first couple of days was fine until XXXX/XXXX/2016 I got a call from the fraud department saying that my account was flagged for suspicious activity. Someone got access to my online account and change my personal information around. I had to verify it was not me and to give them the correct info and everything was fine. The next day I tried to use my card in the store and it was declined. I called Wells Fargo and they told me that my account was on hold and schedule to be closed on the XXXX of XXXX. I said " why '' and they told me of XXXX checks for {$2500.00} that was deposited into my saving account was fraudulent and was return. I explained to them "" what checks? '' what are you talking about? They proceeded to tell me they spoke with a man over the phone about my account information and the fact that my account be closing and the man told her that he was my husband. I assured her it was not my husband so she told me to verify my address and phone number

Company_public_response:
 I did and she told me it was not correct!!! She told me to file a fraud report but it wo n't help because my account is closed and debit card is closed as well. i would have to wait 2-4 weeks for my cashiers check to come. I told her it is going to go to the wrong address because the address is not mines!!!! She said she was sorry but it was nothing she could do."


Date_received: 05/16/2016
Product: Credit card
Issue: Credit determination
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: TX
ZIP_code: 794XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
CBNA did a credit check on my credit on XXXX/XXXX/16. I did not authorize this credit check. I have not sought a loan or any other type of financial services. I am uncertain why this company did a credit check and it was not authorized. Through research I found that CBNA is a credit card company. Citi Bank North America. I have a credit card with citi bank but have had the card for 10+ years and did not seek a new card. I did not authorize either directly or by proxy any credit check by anyone for the past year.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company_public_response: XXXX
Company: and XXXX XXXX
State: XXXX
ZIP_code: as well as several times in XX/XX/XXXX
Submitted_via: including today
Date_sent_to_company: XXXX XXXX
Company_response: XXXX. Fifth Third Bank has been belligerent to us repeatedly regarding the same
Consumer_disputed: and they refuse to cooperate."
Consumer_narrative:
The second mortgage held by Fifth Third Bank was discharged in bankruptcy in XX/XX/XXXX, and was not reaffirmed. We have no personal liability for the debt. We have been unable to make payments toward the debt from XX/XX/XXXX through the present. Our home appraises with negative equity, it 's " upside down. '' We have recently had the opportunity to borrow a small amount of money from family and friends to attempt to release the lien on the property. We have offered a lump sum payment to Fifth Third Bank on XXXX XXXX

Timely_response:
 and has refused to negotiate with us in good faith. They have stated that they want the full unpaid principal balance paid. We have provided documentation to show financial hardship and a willingness to pay to release the lien


Date_received: 05/25/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Citibank
State: WI
ZIP_code: 531XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX I took a mortgage out with XXXX XXXX bank, in XXXX we fell on hard times and needed to refinance to get some money to pay my sons health care bills. CitiFinancial gave us a new mortgage where we took out XXXX. The interest rate was high but we needed the cash. When the housing market crashed we were in the position where I could not refinance to lower rate sue to the house being upside down. I struggled for many years and eventually had to file for bankruptcy. I get the house through this process. Then I had questions about home modification a few years after this, they told me that I had to wait till I was late on payments for three months before they would look at a modifications. So I did this. They said I was approved for modification, when I asked the terms they said they changed my rate from 8.125 % to 8.004 % and then took all the late payments and fees and put that in the end of the loan. I said that was not a modification, they said take it or leave it or they would foreclose on the property. So now I have a property that is even more upside down, they wont tell me who the investors are, the loan is not federally backed and I am in a position now as a single father where I cant sell my home, re finance or get a modification as they will not work with me.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company disputes the facts presented in the complaint
Company: Receivables Management Corporation
State: SC
ZIP_code: 296XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had s medical bill go into collections on XXXX/XXXX/16. I then paid in full {$820.00} and was told it would be removed from my credit. After going back between credit bureau and collection company the collections informed me that they could n't remove that the credit bureau would have to. Collection company even sent me a copy of the collection paid to send over to bureau. Was told after 30 days it would be removed but still hasn't.Other credit bureaus have removed completely but XXXX still has it listed as paid balance XXXX. This is hurting my credit.


Date_received: 05/23/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Complaint_ID: Yes
Consumer_narrative:
While I was contacting different XXXX dealers, I contacted a company called " XXXX XXXX XXXX '' based on a XXXX XXXX guide advertising to inquire about the best package they can offer. XXXX from that company answered the phone and made me an offer that sounded ok. I explained to him that I 'm still contacting other companies and comparing offers


Complaint_ID: Yes
Date_received:
I called Equifax to dispute the first XXXX pulls as that company never had my consent nor mentioned they would run my credit. Equifax denied helping and instructed me to contact the company directly. I called the company and got their manager 's number ( Or at least who I was told he was ) XXXX. And called him to sort things out


Date_received: I called Equifax again on XXXX/XXXX/16
Complaint_ID: Yes
Product:
 and spoke to XXXX ( Customer Service Agent ) who completely refused to help. I then asked to speak to a supervisor


Subproduct: Equifax
Issue: CA
Subissue: 908XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
As I am only left with a phone number of a person who -supposedly- is the manager of a company that in turn does n't exist online nor have a physical address. My only hope at this point is that you can help me remove the extra credit pulls from my credit report."


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Caliber Home Loans, Inc
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been working with Caliber Home Loans on a mortgage modification. I had requested a fixed rate mortgage but they gave me an adjustable rate mortgage. I think that their practices are predatory. I want a fixed rate mortgage. They also did not give me enough time to examine the mortgage modification paperwork. I received the paperwork Friday, XXXX XXXX and they required that the documents were received back by them by Wednesday, XXXX XXXX. I had wanted to appeal the modification to get a fixed rate and a more affordable payment but they purposefully did not give me enough time to review the paperwork or to have an attorney review the paperwork. When I called them requesting more time they denied my request and told me that it was " take it or leave it ''. I believe that this is is another one of Caliber Home Loan 's predatory lending practices."


Date_received: 05/25/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: NC
ZIP_code: 285XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
EQUIFAX OFFICE OF CONSUMER AFFAIRS HAS CONTINUED TO REINSERT INFORMATION THAT WAS PREVIOUSLY DELETED STATING THAT THEY VERIFIED THE INFORMATION WITH THE VIRGINIA XXXX COURTHOUSE ON PUBLIC INFORMATION THAT IS REPORTING WHEN THE CFPB DID INVESTIGATION ON THESE ITEMS WHERE EQUIFAX RESPONDED THAT THE ITEMS WERE NOT REPORTING. AND THAT THEY HAD REMOVED THEM FROM THE CREDIT FILE AS A RESULT OF THE INVESTIGATION. I ALSO CHECKED WITH THE VIRGINIA XXXX XXXX HOUSE AND THE XXXX VA COURTHOUSE WHERE THESE SAID JUDGEMENTS WERE BEING HELD. THE CLERK OF COURT RESPONDED TO ME BY RELAYING THE FOLLOWING THAT THE VIRGINIA XXXX AND XXXX COURTHOUSES DO NOT GIVE CREDIT REPORTING AGENCIES THE PERMISSION TO REPORT THE CONSUMER CREDIT FILE AND THAT THEY CAN NOT PUT JUDGEMENTS ON MY CREDIT REPORT, AS THAT THE COURT DOCKETS DO NOT DISPLAY A SOCIAL SECURITY NUMBER TO ATTACH THEM TO. EQUIFAX HIRED AN OUTSIDE VENDOR TO GIVE THEM THE INFORMATION WHICH I DID N'T EXPRESSLY OR IN WRITING GIVE EQUIFAX PERMISSION TO GIVE ANY OF MY PERSONAL INFORMATION TO A VENDOR SUB CONTRACTED BY THEIR COMPANY. FURTHERMORE ALSO SHOWS THAT EQUIFAX CONTINUES TO PUBLISH NON FACTUAL INFORMATION ON MY CREDIT FILE WITHOUT PERMISSION AND CONTINUES TO RE INSERT INFORMATION TO MY FILE AFTER THE INFORMATION HAS BEEN REMOVED ALSO THIS HAD CAUSED ADDRESSES AND INFORMATION THAT WAS FRAUDULENT TO RE APPEAR BACK ON MY CONSUMER CREDIT REPORT CAUSING THE INFORMATION TO RE-AGE WHICH ARE CLEAR VIOLATIONS UNDER THE FCRA SECTIONS623-624 AND SHOWS THAT EQUIFAX WILL NOT COMPLY WITH FEDERAL STATUES. AND CONTINUES TO HANDLE MY CREDIT REPORT NEGLECTFULLY. PLEASE REVIEW PASS CFPB DISPUTES TO SEE THE RESPONSE OF THE INFORMATION AND RESOLUTION DECIDED ON THESE ITEMS CASE ID XXXX CASE ID XXXX CASE ID XXXX


Date_received: 07/06/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: MO
ZIP_code: 631XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Transunion 's system had a glitch where they added back all the inquiries that had been removed and they never notified me that these items were being added back to my report. I know that this is a direct FCRA violation. My score rightfully went up after the removal and then went back down when inquiries were re-inserted. I have tried contacting Transunion for 2 days for assistance, but I get hung up on, transferred to dead air, transferred to supervisors I never asked for, or just placed on hold and no one ever coming back. I am trying not to get upset, but it seems that I am unable to get anywhere. Could someone please provide me with a resolution? I would greatly appreciate it. Thanks.


Date_received: 05/16/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: BB&T Financial
State: MD
ZIP_code: 207XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is regarding an auto loan I have with Regional Acceptance Corporation -- They have been ripping me off big time. I got the load in XXXX of 2012 for {$23000.00} ; I have been paying {$550.00} a month for three and a half years ( I do admit missing a few month 's payments - about XXXX in 3+ years ) and they claim I still owe {$21000.00}. What interest rate have they been charging? They do not abide by what is stated on the first page of the contract under the " Federal TRUTH in Lending Disclosure '' ; instead they have converted the contract from a SIMPLE interest transaction to a COMPOUND interest transaction -- there can be no sound legal basis for them to do so. The way they apply the payments I make is not clearly stated in the contract -- why are they allowed to do this to their customers? This is robery/stealing!!!"


Date_received: 05/14/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
State: Ocwen
ZIP_code: TX
Submitted_via: 775XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/14/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I recently changed banks and changed my banking information on XXXX website. I got an email saying they have received my payment on XXXX/XXXX/2016. I checked their website and it showed my payment was current and my next due date was XXXX/XXXX/2016. I noticed the money was not taken out of my bank account so I thought maybe it was just a delay. 10 days later XXXX/XXXX/16 I got a letter saying there was a problem with my payment information. I checked the website and it now said payment was overdue. I submitted payment again and called ocwen customer " service ''. I was told that my payment was submitted and there was no problem with it. When I told the customer rep that they did not take the money out of my account and asked why

Company_public_response:
 I was told that the payment did not go through the first time due to a problem with my bank but he could not tell me what it was. I told the customer rep that they need to update their website as it had incorrect information on it which caused me to assume everything was OK. He said I was being charged {$59.00} for the payment being returned even though I was told the payment was current and the website reflected that. I told him to cancel my current payment until I figure out what was going on so I did not get charged this ridiculous fee again and he told me it was too late to cancel the payment and I will be charged the fee again. So I am being charged $ XXXX+ in fees for XXXX mistakes and do not believe this is fair. On top of that I sent in a request to have my escrow account removed and was denied due to false information from their escrow department. My loan to value ratio is XXXX % but they had it at XXXX % even though I offered to provide proof of my appraisal value."


Complaint_ID: Yes
Date_received:
It appears that XXXX XXXX XXXX either sent this debt to XXXX different Debt Collection Agencies or this debt was sold from one debt collector to another ( I.C System Inc. phone XXXX ) and ( XXXX phone XXXX ). XXXX debt collectors are based in MN. XXXX company ( I.C. System Inc. ) submitted this information to the Credit Reporting Agencies twice, using a different account number, so it showed up twice on my credit report. Some time after, the other Debt Collection Company ( XXXX ) reported the same debt with somewhat different information, to the Credit Reporting Agencies, using yet another different account number. This resulted in this SAME debt being listed 3 times on my credit report, even though the debt had already been paided in full ( based on my billing stmt ) directly to XXXX XXXX XXXX ( confirmed pmt received {$120.00} on XXXX/XXXX/2014 ). I filed several disputes with the Credit Reporting Agencies, explaining that this debt had been paid in full directly to the original creditor and that there were multiple listings of the same debt on my credit profile. The result of the dispute was that they removed one of the OLDEST debt collection records from my credit report ( which would have removed from my credit profile soonest ) and update the remaining NEWER debt collection company record with the INACCURATE information of " settled-less than full balance. The account had already been closed. This debt was "" paid-in-full


Complaint_ID: Yes
Date_received:
My contention is that my credit profile should not be negatively affected by the mistakes of XXXX seperate debt collectors reporting different information on the same debt. Who decides which one is valid? Why was the oldest record removed and not the newest? Can XXXX debt collection company sell a debt to another


Product: and accecpted by
Subproduct: the original debt holder ( XXXX XXXX XXXX )
Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: I.C. System, Inc.
Company_public_response: MI
Company: 480XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/17/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1921775
Date_received:
Because of these obvious mistakes in reporting by XXXX different debt collectors and the fact that my debt had already been paid directly to

Issue:
 I contend that this erroneous and arbitrarily selected remaining debt collection record still remaining on my credit profile for XXXX should be removed immediately."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: WV
Subissue: 254XX
Consumer_narrative: Older American, Servicemember
Company_public_response: Consent provided
Company: Web
State: 07/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Complaint # XXXX ; XXXX ; and XXXX were sent on these very same issues. There are no serious delinquent accounts ; the number of accounts with delinquencies is XXXX ; Collection is currently being investigated. The number of inquiries has dropped to only XXXX for TRANSUNION. XXXX has deleted XXXX inquiries per my letters requesting to remove. No responses to remove inquiries have been received from XXXX.


Date_received: 05/24/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: Medical Society Business Services, Inc.
State: AZ
ZIP_code: 853XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX/XXXX/XXXX a bill was submitted to the HSA by Sun XXXX XXXX for {$140.00}. The insurance paid {$67.00}. On XXXX/XXXX/XXXX balance of {$81.00} was paid out of the HSA and check cleared on XXXX/XXXX/XXXX. Since then we have sent proof of these clearing to sun city imaging yet they still sent it to collections. We shared proof it was paid with collections yet they continue to dun us.


Date_received: 05/24/2016
Product: Debt collection
Subproduct: Medical
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Phoenix Financial Services LLC
State: CA
ZIP_code: 953XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Collection agency called me at work and my cell phone in an attempt to collect a debt. When I asked them not to contact me at work as it is prohibited, they told me they would continue to do so. They have my cell phone number and can contact me via that method. The representative said then threatened to put this on my credit, to which I stated it already was by another collection agency. They wanted me to set up payment arrangements for this debt, I said I could not do anything at this time. They said they would mark it down as a refusal and hung up on me giving me no options to make any arrangements in the future.


Date_received: 05/17/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: PA
ZIP_code: 193XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I deposited a XXXX loan check via the app and Wells Fargo elected to close my account and put all my funds on hold for XXXX weeks. The agent tried to claim it was because the check was written out to XXXX XXXX and my name on the account is XXXX. Either way, I was treated completely dismissively and was told I could not have the funds from the check. I then tried to use the check wit ha reputable institution who stated the check was no longer good. When I contacted the XXXX company, they state Wells Fargo had kept the more than {$1100.00} they tried to tell me was not drawn. The bank currently has more than {$1100.00} of my money and will not allow me to dispute XXXX debit cards transactions stating the account is closed and the transactions no longer open for dispute.


Subproduct: Transworld Systems Inc.
Issue: NY
Subissue: 104XX
Company_public_response: Consent provided
Company: Web
State: 05/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
On XXXX XXXX I had agreed to sign for a student loan for a friends daughter, with XXXX XXXX XXXX. Once there, they had spelled my name wrong and told me that they will send me corrected forms and that I will have to send them back with my initials. Needless to say I received the paperwork from XXXX XXXX on XX/XX/XXXX. Once Received I called XXXX XXXX XXXX at the number on the bottom of the letter and ask the representative how do I stop this process as I then realized that I did not want to proceed with the signing. The representative stated that the letter they sent me was self explanatory. If I did not return the forms signed and initials were indicated within the 30 days no further consideration will be given to the application. ( Letter attached ) so I did NOT return anything to them. I still have the original forms they sent me in XX/XX/XXXX IF you notice on the attached copies of the letters I have the LENDER COPY, BORROWERS COPY AND THE COSIGNERS COPY still in my possesion. I also have the Lender copy that XXXX XXXX XXXX sent me when I requested information on this Identity Theft. The Lenders copy has a date of XXXX/XXXX/XXXX with a forged signature. But for their conveience they seem to be only circulating to the the XXXX application I did on XXXX/XXXX/XXXX to the collections agencies and other parties involved so that they can try and collect on this so called debt .No XXXX seems to be able to find the forged signature application but yet they, american XXXX services were the people who sent it to me in the first place when I requested applications and other information used on this Identity Theft Account. It was only XX/XX/XXXX that I realized that this loan was out there. I am not XXXX to constantly pull my credit report for no reason but when I was refinancing my house, the broker told me that I had to explain the amount on this loan. Thats when I realized and immediately but in the IDentity Theft report with the FTC and file a police report and commenced with obtaining information used in the Theft Account with XXXX XXXX XXXX. Thats when XXXX immediately turned around and sent the account to a collection agencies. I told the collection agency everything they in turn sent it back to XXXX and then they turned around again and sent it to NCO then to XXXX XXXX, Now its with XXXX XXXX XXXX. They are a scam company and from what I am reading on the Database for the Attorney General in Pennsylvania there are alot of people complaining about these companies.


Date_received: 03/29/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Shopping for a loan or lease
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Navy FCU
State: NV
ZIP_code: 890XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
we received in the mail ; Make home affordable which they stated would take almost XXXX what we owed lower house payment to XXXX a month just follow rules on card. You had to be late on home, payment wise it seems this was a scam. So I went to NFCU to try to get home loan caught up. The girl at the bank sat there as we were waiting for a answer, I was also willing to use my paid off XXXX Toyota as collator. As the girl in bank was laughing at what was suppose to be a loan, I was denied. I hope people like her, one day happens to her .It was bad enough to get scammed let alone where you do your banking was just as bad.Dont assume your bank is there to help you. Infact it all started with a complaint against the bank. Someone was trying to use my DEBIT card all over the world, I asked for paperwork on where exactly this happened I was denied.This all started over the theft of Tmobile phone


Date_received: 05/25/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company: Trustee for the benefit of Option One Mortgage Corporation
ZIP_code: Inc. did file a fraudulent in the XXXX XXXX land records on XXXX/XXXX/XXXX
Date_sent_to_company: XXXX XXXX
Company_response: is a known robo signer. When we did a title search on our property in XXXX XXXX
Timely_response: Option One Mortgage was in XXXX lien position. XXXX XXXX Bank
Consumer_disputed: XXXX XXXX as Trustee for Option One Mortgage XXXX XXXX XXXX
Complaint_ID: Asset-Backed Certificates
Consumer_narrative:
Ocwen Loan Servicing , LLC listed our home for foreclosure sale for XXXX XXXX, XXXX. Ocwen Loan Servicing , LLC filed An Appointment of Substitute Trustee in the XXXX XXXX XXXX XXXX office on XXXX/XXXX/XXXX Doc # XXXX. The document is notarized by XXXX XXXX and signed by XXXX XXXX XXXX Ocwen Loan Servicing , LLC, Contract Management Coordinator. XXXX did not provide any identification when the document was signed and notarized. The document states that the Mortgagee of Deed of Trust has named and appointed, and by these presents does name and appoint XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX or XXXX XXXX XXXX XXXX to act under and by virtue of said Deed of Trust. There has not been any documentation that XXXX XXXX Bank, XXXX XXXX XXXX XXXX for Option One Mortgage XXXX XXXX XXXX, Asset-Backed Certificates, XXXX XXXX is the Mortgagee of said Deed of Trust. Ocwen Loan Servicing , LLC has not provided any assignments or transfer of Deed of Trust from XXXX XXXX XXXX, Trustee for the benefit of Option One Mortgage Corporation, as XXXX XXXX to XXXX XXXX Bank, XXXX XXXX as Trustee for Option One Mortgage Loan Trust XXXX, Asset-Backed Certificates, XXXX XXXX. I have also found varying signatures of both XXXX XXXX and XXXX XXXX. Seems that these documents have been robo-signed and have been filed in the XXXX XXXX XXXX XXXX office. When we examined our " Original '' loan file in XXXX

Company_public_response:
 there were XXXX assignments of deed of trust that did not transfer the Deed of Trust from XXXX XXXX XXXX

State:
 as XXXX XXXX to any other entity. The section of the deed of trust to transfer and assign the Deed of Trust were blank on XXXX assignments. American Home Mortgage Servicing 

Submitted_via:
 in which "" XXXX '' attempts to assign the asset tot he XXXX XXXX. This document is fraudulent and the person who signed the document


Subproduct: the Collection Agency is adding about XXXX % to the XXXX loan
Issue: the original amount was {$8100.00} now the balance is {$10000.00}
Complaint_ID: Yes
Date_received:
I graduated from XXXX XXXX XXXX in XXXX on XXXX 2014 as a XXXX. In order for me to attend that school, they helped me to obtain XXXX student loans, XXXX for about {$20000.00} backed by the Federal Student loan and the other for {$8100.00} from another lender. Six months after my graduation I was to start repaying the loans, which I did with some of my savings, money from the XXXX XXXX, one weekend a month, and my father help. I made payments for about six to seven months but without a job I could not continue doing so. I applied for " a Forbearance '' form both loans and it was granted to me by the Federal Student Loan right away but the other loan refused to give me a Forbearance and decided instead to refer my Loan to a collection agency

Product:
 the name of the agency is Enterprise Recovery Systems. I am finally working as a XXXX XXXX and I contacted the XXXX Student Loans organization to start repaying those Loans. In the mean time


Date_received: 05/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: MI
ZIP_code: 481XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016, I disputed the account specified in the attachment with Experian. I am asking that this account be removed from my credit report because it does not belong to me. I have no idea what this account pertains to.


Complaint_ID: Yes
Date_received:
The amount of {$840.00} was posted as pendingto my checkingaccount on XXXX XXXX, 2016. I began calling andrequesting XX/XX/2016to havetheoverdraft amount of {$40.00} returned to my checking account. Finally, on XXXX/XXXX/2016 I was informed by a manager thatI could dispute the amount removed from my checking accountor have the overdraftamount placed on the principal of my loan. I was informedXXXX simply could not honor my request to put the {$40.00} back into my checking accountwithout a statement from my bank on letterhead stationery stating " the {$840.00} will not be returned or disputed '' and to "" enclose a copy of the checktransaction from my checking account ''. My banking institution refused to write the letter


Date_received: The mortgage company agreed to work with me
Product: but since mybank would not draft a letter perXXXX guidelines and specifications
Issue: I agreed tohave the overdraft amount applied to the principal of my loan."
Consumer_narrative: Caliber Home Loans, Inc
Company_public_response: CO
Company: 801XX
State: Older American
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/09/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1917252
Subproduct:
 I was left with the decision to eitherdispute the overdraft or the overdraft amountwouldhave tobe applied to the principal of my loan. AlthoughI budget my money to the penny each month andcould have used this money towardother fixed expenses


Date_received: 05/25/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: AUTOMATED RECOVERY SYSTEMS, INC
State: NV
ZIP_code: 891XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
XXXX keeps threating harassing me for debt I do n't owe I have no relationship with them they please have them stop all collections asap


Date_received: 09/14/2015
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
State: TRINITY HOPE ASSOCIATES
ZIP_code: FL
Submitted_via: 320XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 10/19/2015
Complaint_ID: Closed with explanation
Consumer_narrative:
Debt was paid by insurance company in XXXX 2015. Trinity Hope knew the debt was paid as an email was sent by the billing company to Trinity Hope at least on XXXX XXXX, 2015. The billing company and the insurance company do not have any records of another " mystery '' debt they claimed I owed. They would not provide the name and address of the original creditor as required by federal law so I could never validate the debt. The name of the original creditor provided in the Validation letter forward to me on XXXX XXXX

Company_public_response:
 2015 could not be found in a XXXX search. They did not provide this information to me because they did n't want me to contact the original creditor. They just continued to call and call and call and email and email me. Both the original creditor 's billing company and my insurance company has called and emailed them. Record all your phone conversations and demand that any correspondence be conducted by email. I did both and they prove that Trinity Hope violated Federal laws. I will be taking them to court on the civil side. I have requested charges be filed by the local police department for felony fraud and attempted theft."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: I.C. System, Inc.
Issue: GA
Subissue: 300XX
Company_public_response: Consent provided
Company: Web
State: 05/19/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
After the cancellation we were still being billed for pet care through automatic debt on an old account that was closed. After speaking with a representative from IC Systems we were informed about a contract that apparently stated that regardless of the dog being stolen we still had to pay. We have submitted a dispute for verification of the debt and a copy of the contract with XXXX but we have not been provided anything from IC Systems. Even though the debt has not been verified it still remains on my credit report."


Date_received: 05/20/2016
Product: Credit card
Issue: Late fee
Company_public_response: telephone
Company: and secure email that the account normally used for payment was closed due to security breach
State: and a new account was given to draw payment from. TNB claims this never took place
Submitted_via: paid the balance ( less the penalty fee )."
Company_response: TD Bank US Holding Company
Timely_response: AZ
Consumer_disputed: 863XX
Complaint_ID: Older American
Consumer_narrative:
Payment made to Target National Bank was rejected due to " insufficient funds ''. A {$25.00} refused payment fee was assessed. TNB was informed by me via website

ZIP_code:
 and refuses to reverse the fee. This is apparently a standard practice used by TNB to generate fees. I have since closed the account


Date_received: 04/08/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: TekCollect Inc.
State: FL
ZIP_code: 325XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This was for a safe box at bank. This amount was for the keys that I did return back.they are saying I did not return keys, which is false


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Credit Bureau of Napa
Issue: NY
Subissue: 113XX
Company_public_response: Consent provided
Company: Web
State: 06/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I never received a call from them regarding this bill but a year later I got a letter sent to my old address about a bill. I tried to call the billing office several times with no response. I 've left voicemails to which no one ever responded. I called my insurance to confirm that I was active during the visit, which they confirmed I was. Ins Rep : XXXX told me that the office billed the insurance but that it was not payable because the office did not get the proper prior authorization for it. The Ins rep called the office and left a voicemail notifying them that they are not supposed to bill Medicaid patients and asking them to return her call. I continued to try to contact the office every few weeks but the billing office never answered the phone or my messages or called me about this issue. I just checked XXXX and thats how I found out I had a collections report from XXXX on my account. This office has continued to attempt to collect a debt that I do not owe and that they have no right to attempt to collect.


Date_received: 07/04/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Company_public_response: Company can't verify or dispute the facts in the complaint
Company: National Credit Systems,Inc.
State: TX
ZIP_code: 786XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have an account from national credit systems that was originally for XXXX dollars for a broken lease for apartments. I resided in the apartment homes for one month and moved due to the environment, at this time I had gotten a phone call from national credit systems around XX/XX/2010 saying I had been sued and owed them XXXX dollars. I disputed this account on this basis that I never received notification prior to it reporting to my credit as well as that the balance was inaccurate, I requested at this time a debt validation within 30 days which was never received, at this point I requested the account to be removed from my credit report. It was not. I have disputed this account on 9 separate occasions throughout the years following and continue to get a response from the credit bureaus stating " national credit systems has validated this account with OUR company '' I have never received a debt validation from this company and I have all accurate up to date information for correspondence on my credit report. This is in violation of the fair credit reporting act to not send debt validations and say the account is validated. My last dispute was about 30 days ago on the basis that the company violated the law stating that a landlord must seek a new tenant when previous tenant breaches a contract and terminates lease before completion. This community charged me for the remainder of the lease and never made reasonable attempts to re-sell the property."


Date_received: 05/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: TN
ZIP_code: 379XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have XXXX credit cars with XXXX XXXX XXXX, XXXX is a XXXX, the other a XXXX. Both are current, with a {$24.00} balance on the XXXX, and a {$0.00} balance on the XXXX. TransUnion is showing that I have a card with XXXX XXXX numbered XXXX ( it does not list the last XXXX digits ) with a balance of {$720.00} that is over 120 days past due. This is not my card. I have notified TransUnion. I called XXXX XXXX to notify them, as well. XXXX XXXX says they will need 90 days to investigate, and that I need to deal with it through TransUnion, as it is their error, not XXXX XXXX 's. The XXXX XXXX employees speak English very poorly, and communicating verbally with them is difficult. They provide no email address to which one may send electronic correspondence. The entire thing reeks of a scam.


Date_received: 05/25/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Company: Equifax
State: NC
ZIP_code: 285XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
EQUIFAX XXXX HAS FAILED TO REMOVE INFORMATION OF XXXX XXXX XXXX ACCOUNT NUMBER XXXX AFTER SEVERAL ATTEMPTS BY XXXX XXXX XXXX TO HAVE THE INFORMATION REMOVED FROM MY CREDIT FILE STARTING ON XXXX XXXX XXXX XXXX XXXX XXXX SENT INFORMATION OVER TO EQUIFAX EXECUTIVE DISPUTE TEAM ASKING THEM TO REMOVE ALL DEROGORTORY INFORMATION FROM MY FILE UNDER THIS ACCOUNT NUMBER, ON XXXX XXXX OF XXXX XXXX XXXX XXXX SENT ANOTHER NOTICE TO EQUIFAX XXXX TO REMOVE THE INFORMATION AGAIN. PER MY CONVERSATION THAT TOOK PLACE WITH XXXX BACK IN XXXX OF XXXX SHE STATED THAT INFORMATION WILL STAY BECAUSE THE INFORMATION IS INDEED MINE AFTER I TOLD HER I DIDNT HAVE ANY KNOWLEDGE OF THE ACCOUNT NUMBER LISTED. A CUSTOMER SERVICE AGENT FOR THE BANK NOT AUTHORIZE TO MAKE A DECISION ON THE ACCOUNT XXXX BANKS TOOK THE WORD OF THAT CUSTOMER SERVICE REP AND REFUSED TO DO AN INVESTIGATION ON THE EXISTANCE OF THE ACCOUNT ON XXXX OF XXXX XXXX POLICE DEPARTMENT DID ANOTHER INVESTIGATION CITING THAT THE ACCOUNT WAS INDEED FRAUDULENT AFTER SPEAKING WITH UPPER MANAGEMENT OF XXXX XXXX XXXX. ON XXXX XXXX TOLD XXXX XXXX XXXX TO CEASE FROM REPORTING THE FRAUDULENT INFORMATION. ON XXXX XXXX XXXX XXXX XXXX AND XXXX LAW FIRM HIRED BY XXXX XXXX XXXX. STATING THAT RIGHTS UNDER THE FDCPA AND NCFDCPA HAD BEEN VIOLATED. AND XXXX XXXX XXXX ADVISE EQUIFAX AT THAT TIME TO REMOVE THE ACCOUNT FROM MY CREDIT FILE. ON XXXX XXXX OF XXXX XXXX XXXX XXXX COLLECTIONS DEPARTMENT MANAGERS ADVISE ME THAT THEY HAD ALREADY TOLD EQUIFAX BY ELECTRONIC SUBMISSION TO REMOVE THE INFORMATION FROM MY CREDIT FILE BACK ON XXXX XXXX. XXXX XXXX XXXX ALSO ADVISED ME ON XXXX XXXX XXXX AFTER DOING ANOTHER INVESTIGATION STATED THAT THE ACCOUNT WAS NOT REPORTING TO MY EQUIFAX CREDIT FILE. AS THEY PULLED MY CREDIT REPORT TO DO THE INVESTIGATION XXXX XXXX. ON XXXX XXXX XXXX I RECEIVED INVESTIGATION RESULTS FROM EQUIFAX STATING THAT THE ACCOUNT WAS CERTAINLY REPORTING TO MY CREDIT FILE. AFTER ANOTHER CONVERSATION WITH XXXX XXXX XXXX SHE STATED THAT THE INFORMATION WILL REMAIN ON MY FILE EVEN AFTER THE CREDITOR ASK HER AND EQUIFAX TO REMOVE THE INFORMATION IN QUESTION. ON XXXX XXXX XXXX XXXX XXXX XXXX SENT ME ANOTHER LETTER STATING THAT THEY HAD CHECKED MY CREDIT REPORT AND THE INFORMATION WAS NOT REPORTING. AND THAT THE INFORMATION SHOULD NOT BE REPORTING. THEY HAVE ASKED EQUIFAX ON SEVERAL OCCASIONS NOT TO REPORT THE ITEM. THIS CLEARLY SHOWS THAT INFORMATION IS BEING RE INSERTED BACK TO MY CREDIT FILE WITHOUT PROPER DOCUMENTATION BEING SENT WHICH IS A VIOLATION OF THE FAIR CREDIT REPORTING ACT SECTION XXXX XXXX


Date_received: 05/25/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: AZ
ZIP_code: 852XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked the credit reporting agencies XXXX Equifax to remove a trade line to inaccurate reporting. I have tried several times, NO ONE is listening to me. The incorrect trade line is still there. This is not fair treatment. I have disputed a collection agency /hospital bill for over a year with an insurance company. The bill was paid in full three years ago. The bureau continues to report as paid in settlement less than the full amount after numerous times of advising this information is not true. The collection agency XXXX XXXX XXXX now XXXX stated they ca n't change the bureau, the bureau will need to remove the tradeline as its reporting in error. The agency is stating they have reported all the correct information. I have complained to supervisors, they sent me a letter confirming, paid in full. I feel that I am being ignored and this is affecting my personal life and impacting my credit rating. The hospital, XXXX is at fault for sending my account to a collection agency while I was paying, the collection agency XXXX XXXX XXXX is at fault for initially reporting inaccurately and the bureau 's, XXXX and Equifax are is at fault for continually reporting this inaccuracy. I want this trade line removed. I have submitted several complaints. Thankfully XXXX XXXX listened and removed the trade line. Will some one please help me get this resolved.


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Caliber Home Loans, Inc
State: FL
ZIP_code: 320XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am not receiving mortgage statements from my mortgage company even though I have brought this to their attention two times once I realized it. This has caused me to miss 2 payments because I do not keep up with bills unless they are mailed to me or I have them set up for automatic withdraw. There is a reason for statements being sent to home buyers or they would never be sent to anyone. I recently noticed that I have not been receiving a mortgage statement since the last one I received for XX/XX/XXXX. This is the same month that the contractor that I hired to do my fire damage repairs on my home from a fire on XX/XX/XXXX, decided to put a lien on my home and sue myself and my mortgage company because I refused to release the rest of my insurance money for the fire repairs because he said he was XXXX % completed and wanted the rest of his money. I refused because I new there was no way he was XXXX % completed. He then told me he had an inspection result from the latest insurance inspector that proved it. When I refused he cussed me out and called me names. Let 's back up a little ... ... so much has happened with this problem, sometimes I forget certain details. When I first met with the contractor at my home, he looked around and said that all my furniture would be fine, he would just have his workers move it all from room to room as the work was being completed. The next day the workers started removing sheet rock and ceilings and dropped all the blown in insulation on everything I owned. I did not push the issue about my ruined furniture because I was living in a camper at the time and I just wanted the job done. Little did I know this was only the beginning of my troubles. When the insulation fell on everything it fell on a portable air conditioner that I needed to use in the camper and on a window unit. I never could get the portable air conditioner to work correctly again since it was full of insulation beyond the filter. The window unit was still being used by a worker and eventually I threw it out. I had to purchase a window unit for the camper because it was over XXXX degrees outside and I had XXXX small dogs living in the camper with me. All this was very inconvenient. When the contractor cussed me out and called me names I told him not to step foot on my property again. He then put a lien on my home in the wrong county, then he put it on my home in the correct county. He showed up at my place of business and tried to scare me by standing behind me quietly just smiling while I was counting the money in my cash register. I felt like someone was behind me, I turned around and was surprised by it being him, he began to try and hand me a paper while he was trying to take a picture of him handing me this paper. I called the police and they suggested I get a No Contact Order on him. The paper ended up being the lien on my home in the correct county. Then I get served a sopeino that myself and my mortgage company are being sued by this contractor. I was served this at my place of business in front of all of my customers. I contacted the mortgage company to tell them this. I sent them back the insurance check for the repairs that the contractor was trying to make me sign over to him. I told them I was being sued but the papers also said the mortgage company was also being sued. The mortgage company would not release anymore money until I either got the contractor to agree to completing the job as contracted or he agreed he was paid in full. This did n't happen so between that and the fact that I can not have anyone else do repairs until the lawsuit is over, my home still has at least XXXX % of fire/smoke damage to this day. I found out that the insurance company that works for the mortgage company had sent an inspector out and he gave the contractor a XXXX % complete inspection based on what the contractor told him. It was a lie


Date_received: 05/25/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: FL
ZIP_code: 333XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have paid this account in full and satisfied my obligations. I would like this Negative Account removed from my Credit Report.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: U.S. Bancorp
Issue: IN
Subissue: 468XX
Company_public_response: Consent provided
Company: Web
State: 05/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I feel this is the bank charging a NSF fee for their bank fee which is wrong. Also I was never made aware my account did not meet the requirements and would be charged a monthy fee. The bank has told me this could change ever month. Too confusing for customer 's to keep up with.


Date_received: 04/28/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: '' for items not being reported legally on my credit report to Equifax
Company: XXXX. XXXX XXXX
State: XXXX
ZIP_code: GA XXXX on XXXX/XXXX/16
Submitted_via: XXXX/XXXX/16
Complaint_ID: Yes
Consumer_narrative:
Please be advised that I mailed via USPS XXXX. Letters to " Request to provide a Method of Verification


Date_received: I was diligent in documenting these events
Complaint_ID: Yes
Product:
 including the lack of Equifax 's response to produce the requested documentation a mandated by federal law. I can provide the CFPB with the copies of the USPS receipts


Subproduct: Equifax
Issue: NY
Subissue: 113XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 04/28/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I am respectfully requesting CFPB to intervene on my behalf to resolve my disputes. I appreciate CFPB request Equifax provide us with a proper and diligent method of verification of their investigation as required by FCRA of my inaccurate items reported on Equifax 's credit reporting. Thank you for your prompt response to my request."


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Sunrise Credit Services Inc.
State: OH
ZIP_code: 440XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Keeps calling my ex husband phone, tell them to stop contacting my husband, stop harassing me, do not contact me if I owe something send me a letter do not call me or my family.


Date_received: 05/18/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: TX
ZIP_code: 773XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX has refused to remove a debt off of my credit report after being paid in full. They refused to accept payment and had me pay an outside law firm then once the debt was paid with the law firm XXXX now refuses to remove the debt. They maintain that the debt still has a balance after being paid with the law firm. XXXX has taken the stance that until they get " paid '' by the law firm for the amount owed that they will not remove the debt from my report. I have provided them with a pay off letter from the law firm and even told them I would send bank statements showing the removal of the funds from my account. Even after they have received this information they will not take the debt off of my record and tell me to contact the law firm that was paid and tell the law firm to pay them the funds. When I contacted the law firm they said that I need to contact XXXX. I have been pushed around between XXXX and the law firm that represents XXXX. I am unable to obtain credit due to this breakdown in XXXX 's system."


Date_received: 04/14/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company: SunUp Financial
State: OH
ZIP_code: 431XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
This loan from XXXX XXXX has charged me more interest than I ever thought I would have to pay. For a XXXX dollar loan they are trying to make me pay back XXXX dollars. In addition, they took XXXX payments out of my account at the same time. I want to resolve this loan by paying the difference between XXXX and the XXXX that I have already payed, which would mean my balance should be XXXX. Please help me with this situation.


Subproduct: Equifax
Issue: ID
Subissue: 837XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I called XXXX & Equifax and let them know that it is still showing up on my report even though I was told it would only remain for two years by the lender XXXX XXXX. It has now been five years and it is continuing to hurt my credit and ability to gain employment. This must stop, I should not be subjected to this punishment any longer. I, like many was a product of the destructive lending practices and economic down turn created in large by the lending institutions / XXXX XXXX etc, with no punishment for them. So why continue to hurt me?


Date_received: 05/17/2016
Product: Credit card
Issue: Other fee
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: NY
ZIP_code: 111XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had an XXXX card from XXXX. XXXX converted all their customers from XXXX to Barclays. Two weeks ago, I received an email from Barclays that my payment was approaching and asked me to schedule automatic payments, which I did. I scheduled auto pay to be paid the day before my billing period. When I went to check my account yesterday, it said my payment was part due and I was charged a fee. I called to find out what happened and they told me for autopay, the first payment does n't take place until after 30 days. they never informed me of this. In fact, in the auto pay confirmation email, there was no fine print and no information that stated that the payment would not go through until after 30 days. I have also had a similar problem with XXXX who canceled my autopay after 12 months without informing me then charged me a late fee, reduced my credit line and dinged my credit score. These credit card companies are finding loopholes to scam honest customers out of money by not informing them on their specifics behind auto pay.


Subproduct: Caliber Home Loans, Inc
Issue: TN
Subissue: 381XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I can not file XXXX income tax return until this is settled. I would like Caliber to over night the corrected XXXX.


Date_received: 02/16/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA
ZIP_code: 982XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 02/22/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
My boyfriend was admitted to XXXX XXXX hospital in XXXX of XXXX, they never sent us a bill then billed all of his services as out of network. We asked for this to be corrected and they assured us that the situation would be resolved. Today they have NEVER sent us a bill only print out with a list of the charges and a statement showing that this is not a bill. They then turned the account over to a collection agency Accelerated Collections. We again repeatedly asked for a bill as we had never received XXXX and were told that XXXX had been sent. We supplied them with what was sent to us clearly showing that the it read this is not a bill. When we initially asked for a payment arraignments they said no. In XXXX of XXXX they finally agreed to a payment arraignment. They had also added my name to his account even though him and I are not married and they were told this several times. They also have no reported this on to my credit report and a joint debit that was never mine to begin with. They also refuse to present a settlement offer to the original debit holder for approval.


Date_received: 06/06/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Credit Systems International, Inc.
State: TX
ZIP_code: 785XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received notification that XXXX medical collection accounts had been added to my credit file. I investigated the collection accounts with the credit bureaus and the collection agencies and found out that a mistake had been made and another person with the same name had XXXX medical collection account and had been mistakenly added to my credit file. During this conflict, I was trying to close a mortgage loan and because of this mistake, my closing date has been delayed and I have incurred additional fees to try and clear this up.


Date_received: 07/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: USAA Savings
State: AE
ZIP_code: 098XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I filled a fraud with the FTC a few months back about I fraud account opened in my name with USAA. I sent out letters to them but have not received anything back from them. I called them and all they did was update my personal info so whoever could n't use the account which has a negative balance. They said I 'm responsible but I do n't see how.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: GA
Subissue: 300XX
Company_public_response: Consent provided
Company: Web
State: 04/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
As a result of a lack of due process, Investor XXXX XXXX, owner of XXXX XXXX and XXXX, XXXX made a down payment on my primary residence on XXXX XXXX, 2016 and he illegally broke into my home on the same day, see attached police case number XXXX. Then on XXXX XXXX, 2016 Investor XXXX XXXX once again illegally broke into my home, see attached police case number XXXX. To make matters even more egregious, on XXXX XXXX, 2016 at XXXX p.m. XXXX XXXX once again illegally broke into my home that Wells Fargo wrongfully foreclosed, XXXX


Product: Company disputes the facts presented in the complaint
Subproduct: National Credit Systems,Inc.
Issue: AZ
Subissue: 852XX
Company_public_response: Consent provided
Company: Web
State: 05/10/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: No
Date_received:
Upon being told by the XXXX XXXX Justice Court that the second judgement amount had to be paid directly to them, I was informed by XXXX that HE was the one taking all the funds and I was NOT to pay the court.


Date_received: 05/14/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: NY
ZIP_code: 140XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ok, first problem is that I have {$15.00} in rewards that I am not being allowed to redeem because I did not meet the {$25.00} minimum requirement before they closed this account. Next, the 0 % interest agreement was for almost 2 years, including more on the balance transfers and I am still getting charged interest. This XX/XX/XXXX month, I was charged almost {$60.00} in interest that should not be there.


Subproduct: Navient Solutions, Inc.
Issue: FL
Subissue: 342XX
Company_public_response: Consent provided
Company: Web
State: 05/02/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This account is under my previous name, XXXX XXXX. I have recently changed my name to XXXX. The balance on the account is {$38000.00}.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: AZ
ZIP_code: 853XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I came to an agreement with the collection company on settling my debt. After receiving an offer letter and fully paid letter from the collection company, I still have not received any communication from the original debtor, which in this case is Citibank. It has been over 2 months since the debt was " settled ''."


Date_received: 05/11/2016
Product: Credit card
Issue: Credit line increase/decrease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: NC
ZIP_code: 284XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have an account with Bank of America and recently I got a letter in the mail stating that my credit limit was decreased and that they did a random review and decided upon that. I then called the company stating that because they did decrease the limit my debt to credit ratio will be higher. I was assured because I have not used the card it would not be up. Well a week later I got a statement stating that my bill will go from {$58.00} to {$150.00} this is all in the span of a week. I reached out to several associates including a supervisor and the companies consolidation firm and was told I didnt qualify for anything because I had a great payment history. I was confused because the increase on my low income would be hard to pay considering my budget. I was also told that if I can afford one payment I could afford the other and try government agencies like welfare and food stamps. I have never had a company decrease my limit and had a huge jump in payment when the card hasnt been used in months.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: CNG Financial Corporation
State: VA
ZIP_code: 229XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They left messages @ my home threatening legal action, & also contacted me via email stating they have evidence that funds were received/deposited & they have XXXX different ways of linking me to fraudulent activity. They also furnished my full SSN # stating they could n't find any previous fraudulent activity. The amount of the loan, and the amount it would cost me to settle to end up w/a {$0.00} balance/acc't paid status, only to charge me an extra late fee ( which would be refunded ) within 3 business days. stating it was protocol because I 'd purchased the wrong card t make the payment. The card 's being XXXX DEBIT CARD. Card 's were purchased in the amounts of $ XXXX/ {$280.00} respectfully. Apparently, once the monies were secured by them, I 've received no further contact. XXXX XXXX was the name I as given, & I have all emails between us.


Date_received: 05/20/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: World Acceptance Corporation
State: TX
ZIP_code: 785XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i owe this finance company and I have never told them I will not pay, its just my financial situation is not very good and have not been able to pay them and they keep harassing me to my work and calling me from different numbers leaving messages without identifying who they are. they have also threatened to come to my job


Date_received: 05/14/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Diversified Consultants, Inc.
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have not had XXXX XXXX for approximately five years. I have never had Dish call me or send me mail stating I owed them money, and I do not agree that I owe them anything. Suddenly after all these years Diversified consultants began calling me, however they refuse to give me information without me telling them my social security number when they are cold calling me.They have not sent me a single notification by mail though it has been more than a month since they first called me.


Date_received: 03/24/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company_public_response: Company believes complaint is the result of an isolated error
Company: The Money Source Inc
State: NC
ZIP_code: 272XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Continually calling XXXX 8 times per day even after they receive the information about payment dates they are looking to get. Asked them not to call again and was told until the payment actually showed up, they could not take me off their auto-dialer.


Date_received: 05/25/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Company: Homeside Financial Services, LLC
State: MD
ZIP_code: 211XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In early 2015 I began the process of refinancing my mortgage with Homeside Financial. I worked via phone and email with their loan officer, XXXX XXXX, in Ohio. Throughout the months-long process and discussions with loan officer I was told that my loan would have to be broken into XXXX pieces : a conventional mortgage and a HELOC. I was wary of the HELOC when reading the paperwork due to the possible escalation of the rate. I was told by loan officer that not to worry because the XXXX loans would be put back together within 6 months. She assured me that it was something that they do all the time and that it would n't cost me anything. She told me to pay extra each month to make sure I was buying down the principal which I have done religiously. When I noticed that the rate on the HELOC went from 1.9 % to 4 % I emailed the loan officer to ask why. I tried to contact her via phone and email for a month with no response. I called my mortgage servicer XXXX XXXX XXXX XXXX XXXX XXXX about joining the loans together and was told that was not something that they do. I called Homeside Financial and left a voicemail on their customer service line stating two issues. 1 ) rate change and 2 ) putting the loans together. After several emails throughout the company, I received an email from the loan officer apologizing for any frustration about the interest rate and that they disclosed the rate change in my documentation. She did not address the loan consolidation at all. Throughout the loan process I did n't want XXXX loans because that is how people get into trouble. I had previously been in a 2-year foreclosure nightmare caused by XXXX XXXX XXXX and repeatedly stated that I did n't want XXXX loans. It was the only option available that would give me a lower rate. I was continually assured that they would automatically put my loans back together and that it would not cost me anything. I questioned how they could do that and was told that they do it all the time. After speaking with XXXX XXXX ( Care Dept ) he only wanted to address the rate change and stated that Homeside did everything properly. After pushing on the loan consolidation, I was told that there was no way to put the loans back together. The only relief I was offered was the possibility of a refinance where they offered to pay for my home appraisal. Homeside Financial is standing behind their deceitful loan officer! Now I am stuck with an interest-only HELOC and a conventional mortgage that will cost me more money if I want to have only XXXX loan. Homeside would stand to make more money on a refinance! I asked them to refinance my loans with no cost to me and again was offered a free appraisal. Because Homeside is unwilling to truly address the issue of lying by their employee I am stuck with a loan that has the potential to climb to 18 % and I am balancing each month the extra amount that needs to be paid to buy down the principal and ensure that it is getting applied correctly. Again, this is how consumers get into trouble with their mortgages. I feel I have done exactly what I was told by my loan officer believing that she was honorable. This leads me to believe the company is dishonorable since they allow their employees to say whatever needs to be said to " close the deal. ''"


Date_received: 03/30/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Complaint_ID: Yes
Consumer_narrative:
Midland Credit Management Corporation has been using inappropriate tactics to contact me to resolve this debt. The debt no longer shows up on my credit report and they have failed to provide me with information from the original debtor. In the past, I have received calls from them as early as XXXX and have been harassed and belittled by their staff. One of them, " XXXX '' called me a burden to society and went on about how people like me are leeches. I of course


Date_received: Recently
Product: they have called my sister in law and husband to inquire about the debt. Today
Complaint_ID: Yes
Subproduct:
 they called the front desk at my place of employment looking for me. The receptionist forwarded the call


Date_received: 05/20/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company: Fifth Third Financial Corporation
State: OH
ZIP_code: 440XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I bought a fixer upper and was convinced to use a XXXX Loan program by telling me false claims of the programs ability and features. The Mortgage officer lead me to believe I had to use a contractor off a supplied list and this gave the bank a special relationship to work with them concerning schedules, deadlines and any disputes, these were all lies. Now that I 'm XXXX years in to a project I was lead to believe would be 6 months or penalties would be assessed I have a unlivable home in need of XXXX in structural repairs to the new construction that was done incorrectly and another XXXX in new damages. The bank said good luck with that and they are n't going to help and they do n't have any resolutions and mitigation abilities as I was told.


Date_received: 07/29/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Strategic Alliances, Inc.
State: TX
ZIP_code: 750XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
First Financial Asset Management ( XXXX ) called me XXXX XXXX 2016 at XXXX Central time to collect on an alleged debt owed to XXXX Rental Car. I DO NOT OWE THAT DEBT! This concerned a car rental from the XXXX office in XXXX XXXX, CO at the airport XX/XX/XXXX-XX/XX/XXXX and was DISCHARGED BECAUSE THEY WERE ALREADY PAID THROUGH XXXX E-CERTIFICATES ( IN FACT, {$100.00} MORE THAN REQUIRED ). XXXX handled the dispute and credited my account since the e-certificates had paid for the rental.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: NC
ZIP_code: 280XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I disputed XXXX debts XXXX with XXXX XXXX XXXX XXXX confirming that this third party collector has not record of this debt within their system, and with XXXX XXXX XXXX with Experian confirming that this debt was paid for on XX/XX/2016. They never resolved my disputes and I am requesting that you see to it they remove XXXX XXXX XXXX XXXX debt with all XXXX bureaus, and that XXXX XXXX XXXX with Experian reflects " paid '' with a "" {$0.00} '' balance."


Subproduct: 30 DAYS LATE ON XX/XX/XXXX
Issue: 60 ON XX/XX/XXXX 90 0N XX/XX/XXXX
Consumer_narrative: PENALTY FEES
Company_public_response: LATE FEES
State: WITH ME NOT PRESENT
ZIP_code: AND AGAINST MY INSTRUCTIONS
Date_sent_to_company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company_response: TransUnion Intermediate Holdings, Inc.
Timely_response: CA
Consumer_disputed: 922XX
Date_received:
Unbeknownst to meI was not '' opted- in '' and XXXX should not have approved the over- the- limit charge asked for by the vendor and not by me.When I returned the car to the XXXX rep. I was told " my boss made me do it '' ... .. SO I AM NOT RESPONSIBLE

Product:
 I WAS DEFRAUDED BY BOTH THE VENDOR AND XXXX ... ... ..THE CREDIT REPORT DOES NOT CONTAIN A DOFD OF XX/XX/XXXX AS REQUIRED BY FCRA THE PAYMENT TABLE IS ERRONEOUS

Subissue:
120 ON XX/XX/XXXX AND SO ON.THE LAST PYMT MADE ( THE MINIMUM ) IN THE AMT OF XXXX DOLLARS ON XXXX/XXXX/XXXX IS MISSING.THE FEES

Company:
 OVER-THE-LIMIT FEES ARE GROSSLY LEGALLY EXCESSIVE ACCORDING TO THE XX/XX/XXXX CREDIT CARD ACT AND THE RESULT OF FRAUD. I WAS NOTABLY MUCH UNDER THE XXXX DOLLAR LIMIT WHEN I HANDED MY CARD TO XXXX AND THEN WAS FRAUDULENTLY OPTED IN BY XXXX AND VENDOR AND

Submitted_via:
 CHARGED BY THE VENDOR XXXX. I PLAN TO CONTACT THE AG OF MY STATE AND THE XXXX AFTER THIS COMPLAINT CONCLUDES.I AM DAMAGED AND RETAIN MY RIGHTS TO LITIGATE AS LONG AS THIS CARD REPORTS."


Subproduct: Equifax
Issue: MD
Subissue: 207XX
Company_public_response: Consent provided
Company: Web
State: 05/23/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX/purchased XXXX I also only own XXXX homes and not the XXXX reported by Equifax. My second mortgage was initiated with XXXX company. XXXX sold my loan to XXXX effective with the XXXX XXXX payment. Please correct the error associated with the number of homes/mortgages that I hold. That error has an impact on my credit standing. Thanks for all that you do. Have a wonderful day.


Date_received: 04/11/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Nissan Motor Acceptance Corporation
State: GA
ZIP_code: 302XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I leased a XXXX XXXX XXXX. I returned it in XXXX XXXX to purchase the XXXX XXXX. I owed them nothing because they financed the new car for me at 3.9 %. which I 've since paid off also. I have been trying to get this off my credit report since then. today I applied for a home equity loan and was advised that this was the reason I was turned down. Ive called the dealer where I 've purchase the car. i 've called Infiniti credit and I ca n't get this resolved.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company: PayPal Holdings, Inc.
State: CT
ZIP_code: 063XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They keep calling outlets not relative to where I reside or would be able to have communication. There is no reason any one other than myself should be contacted regarding my finances or financial situation.


Date_received: 05/05/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Charged fees or interest I didn't expect
Subissue: Charged fees or interest I didn't expect
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: 2288984 Ontario Inc.
State: SD
ZIP_code: 571XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I paid the amount owed, but the company kept saying that I owed them more. To get them to stop, I put a stop payment on the account, but they are still calling and trying to collect.


Date_received: 05/25/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Company: Navient Solutions, Inc.
State: WA
ZIP_code: 980XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is my daughters student loan that I co-signed 10 years ago. XXXX of us forgot this and when she quite paying, Navient started calling me. I have called them and proposed a payoff amount to XXXX XXXX, Senior Collections Mgr. at XXXX. I have worked out the payoff deal with my credit card and it is a time sensitive offer which I have relayed in the several voicemails that I have left for XXXX XXXX. I have received no response. I have left another voicemail today requesting that she call me back and simply let me know she is working on this. Late this afternoon I received another collection email. There is no email address to respond to letting them know that I have been in contact with XXXX XXXX. I am asking for a response so that my daughter and I can move on. This loan started at {$5600.00} 10 years ago and because my daughter could not afford to pay more than the 10 % interest payments, the loan is now at an astounding {$8600.00}. She was too embarrassed to tell me this. I do n't want to accrue any more interest on this loan. I originally asked them to lower the interest rate and I would make the payments to them. XXXX XXXX XXXX told me she had the power to do that but would not. That is why I am contacting her boss XXXX XXXX.


Date_received: 05/19/2016
Product: Credit card
Issue: APR or interest rate
Consumer_narrative: I have the Discover " it '' credit card
Company: utilities
ZIP_code: on time in the past."
Date_sent_to_company: Discover
Company_response: CA
Timely_response: 925XX
Complaint_ID: Consent provided
Company_public_response:
 this company seems like its a scam. I had the card for about over three years now. My over all balance is about {$7500.00}. I pay my bill every my bill every month some times late but nevertheless I pay the bill. I have been harassed and aggressively hounded by discover sometimes every day until I make a payment even when I already made a payment for that month. None of my other billers

State:
 or credit cards do what discover card is doing. My balance is not going down. at all it is still {$7500.00} over XXXX years of paying my bill


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: NJ
Subissue: 088XX
Company_public_response: Consent provided
Company: Web
State: 05/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Politicians are correct. The system is rigged in favor of the too large to fail banks. The consumer is not given an opportunity to even respond to a dispute. For a consumer, there is no possible way of winning a dispute with a merchant. The attached documents explain this travesty by CitiBank in greater detail.


Date_received: 05/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: VA
ZIP_code: 243XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a judgment showing as open that should be showing paid. Student loans showing Open that should be showing paid. There are a lot of inaccuracies on my report.


Date_received: 07/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016 I was informed by Wells Fargo that a check had been cashed at the XXXX, Florida Wells Fargo branch. It seems that someone had taken an image of a check my wife wrote, created fake checks, and went to Wells Fargo where they cashed the check WITHOUT getting any documents to prove the person 's identity. All Wells Fargo did was check the signature with an old check. The signatures did not match, however, the teller cashed the check anyway. We reported the theft to the XXXX Police department to investigate. The detective stated that Wells Fargo is not helpful in investigations but he would subpoena the bank for the surveillance video. As of XXXX XXXX, 2016, Wells Fargo has not complied with the subpoena. Please see the attached police report. Please force Wells Fargo to supply the surveillance video.


Date_received: 05/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: address and phone number for these "" unknown medical '' accounts
State: so if they do n't even know who these companies are
Complaint_ID: Yes
Consumer_narrative:
Equifax is reporting accounts on my credit file as " unknown '' after I 've notified them a few times that they need to identify these accounts. Not only that

Company_public_response:
 but they keep passing the accounts to other collection agencies. I get XXXX account removed because it ca n't be verified and then they sell the account to another company who then reports it as well. This is an uphill battle that I 'm losing. They have refused to provide the required company name


Complaint_ID: Yes
Date_received:
2. To my surprise and shock SunTrust sent the check back to me a week later and started foreclosure proceedings. I complained that I did everything I was supposed to do. I was directed to send the check to a XXXX XXXX. address in XXXX


Date_received: 3. When I called SunTrust about the items in "" 1 '' and "" 2 ''
Product: I was informed that I should set up the payment for XXXX
Issue: I withdrew 2 payments from my account to send via XXXX
Complaint_ID: Yes
Subproduct:
 I did so via an ACH draft on account. When SunTrust had n't cashed the check or sent me notice that the foreclosure was removed and officially disregard the foreclosure letter


Date_received: I spoke with XXXX XXXX yesterday who told me that I submitted XXXX NSF items to SunTrust
Complaint_ID: Yes
Product:
 which is completely false. I only gave them a second ACH ( which was collected by SunTrust ) when all of the confusion above was going on. SunTrust submitted the first ACH to my bank twice when I was n't sure if they would cash the check ( which did clear more than a week after it was sent ). As of now


Date_received: 05/26/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: NC
ZIP_code: 285XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
EQUIFAX CONTINUES TO NOT FOLLOW THE GUIDELINES SET FORTH BY THE FEDERAL GOVERNMENT IN ACCORDANCE HOW INFORMATION IS REPORTED UNDER THE FCRA/FDCPA/NCFDCPA/ DODD FRANK ACT. EQUIFAX STATED ON XXXX DIFFERENT DISPUTES WITH XXXX XXXX XXXX XXXX STATING THAT THE INFORMATION BELONGED TO MY CONSUMER CREDIT FILE AND ALL INFORMATION WAS VERFIED AS MY ORIGINAL DISPUTE STATED THAT THE INFORMATION WAS NOT BELONGING TO ME. IN XXXX XXXX THE FEDERAL TRADE COMMISION SENT FORWARDED DOCUMENTS TO EQUIFAX FRAUD DEPT TO HAVE THEM REMOVE ANY INQUIRIES AND ACCOUNT INFORMATION FROM REPORTING TO MY FILE FOR FRAUDLENT ACTIVITY AND VIOLATIONS UNDER FCRA. THE INFORMATION WAS REMOVED AND XXXX REPORTED BACK TO MY FILE XX/XX/XXXX. ON XXXX XXXX XXXX LOCAL LAW ENFORCEMENT LAUNCHED AN INVESTIGATION AT THE LOCAL BRANCH AFTER RECIEVING INFORMATION THAT THE ACCOUNTS THAT ARE ON MY CREDIT FILE ARE NOT THE ACCOUNTS THAT ARE IN XXXX XXXX CR REPORTING SYSTEM. AFTER SEVERAL INTERVIEWS AND STATEMENTS FROM XXXX XXXX EMPLOYEES EVEN IN THERE COLLECTION DEPT THE ACCOUNT NUMBERS ON MY CREDIT REPORT ARE NOT IN THERE SYSTEM. LAW ENFORCEMENT FILED A CRIMINAL REPORT AGAINST XXXX XXXX FOR COMMITING FRAUD BY WIRE AND COMPUTER CRIMES OF IDENTITY THEFT. IF EQUIFAX HAD DONE AN INVESTIGATION AND VERFIED THE ACCOUNTS AFTER EQUIFAX STATED IT DID ON SEVERAL OCCASIONS THEY WOULD HAD SEEN THAT THE ACCOUNT NUMBERS DID N'T BELONG TO ME. ALSO ON SEVERAL PHONE CONVERSATIONS WITH XXXX XXXX WHICH SHE STATED SHE PERSONALLY VERIFIED. ITS CLEAR TO SEE THAT SHE DIDNT DO SO AS IF SHE DID IT WOULD NOT HAD BEEN VERIFIED AS BEING CORRECT THIS SHOWS BY PREPONDERANCE OF EVIDENCE THAT WHAT WAS BEING TOLD TO ME WAS BLATANTLY UNTRUE AND A DIRECT CASE OF WHAT I HAVE BEEN TELLING REGULATORY AGENCIES THIS ENTIRE TIME THAT IT HAS NOT BEEN ANY PROPER INVESTIGATIONS OR EVEN REASONABLE ONES. EVERY TIME THAT I ASKED HER TO GIVE THESE CREDITORS A CALLED AS THE INFORMATION WAS CONFLICTING I WAS TOLD BY XXXX XXXX XXXX THAT SHE WILL NOT TAKE THE TIME TO CALL THEM TO GET THE CORRECT INFORMATION. WHICH I COULDNT UNDERSTAND SINCE THE REGULAR AVENUES OF EQUIFAX COULDNT ASSIST AT THE TIME. AND SHE HAD ALL THE RESOURCES TO RECTIFY THE PROBLEM. I INCLUDED A COPY OF THE INVESTIGATION RESULTS SENT TO ME ON XXXX/XXXX/XXXX OUTLINED IN PINK TO SHOW THOSE ACCOUNTS.


Date_received: 05/11/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NY
ZIP_code: 112XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I signed up for a business account with CITI bank and I was informed that monthly fee of {$19.00} would be waived if I signed up for XXXX device, XXXX XXXX. I met with XXXX XXXX representative and he signed me up for their services and never mentioned that there would be any monthly fee for their services. On XXXX/XXXX/2016 I found that my account was over drafted {$80.00}. As per CITI bank representative, I was charged {$32.00} by XXXX XXXX merchant, {$19.00} for the monthly CITI bank maintenance fee and {$35.00} overdraft fee. I should not be charged maintenance fee of {$19.00} by CITI bank, {$32.00} by XXXX was not authorized.


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: PNC Bank N.A.
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I used my debit card over the weekend and those charges were deducted from my balance. I checked my account on Tuesday, XXXX XXXX and the charges posted to my account but were also in pending. They charged me XXXX NSF fees for the pending charges which had already been deducted from my account. I tried talking with XXXX different representatives from PNC and they neither one seemed willing to help me check into it or resolve the issue. They told me that I had a refund already from back in XXXX 2015 which was from an error in a fee PNC could not explain except that it was charged in error and they would correct it. This should not count against me. There seems to be something weird going on with how they charge fees. I do not think {$140.00} in fees for something they ca n't even explain to me is fair at all.


Date_received: 05/13/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Pacific Union Financial, LLC
State: WI
ZIP_code: 547XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was dealing with Pacific Union ( my current lender ) on a refinance, but the original lender who did loan to help me buy the home offered a better deal so I decided to go with them for my refinance. The only caveat was that Pacific Union was offering {$0.00} to close because they were netting my escrow balance toward my payoff amount. When we tried to get a copy of the netted payoff for my other lender to use, I was told by multiple employees on multiple calls that they were sending it but it never came. Finally I got a manager on and they said they never send these and absolutely refused to cooperate. The escrow funds are XXXX % my money, not theirs and they have no right to discriminate in using it to reduce their internal payoff ONLY if they are doing the loan. I need you to please contact them and push them to send the net funded payoff to my fax at XXXX to help me get my transaction closed ASAP. They are putting me in a position where I am risking getting a 30 day late. Thank you for your help.


Date_received: 05/13/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: IL
ZIP_code: 608XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage company, XXXX XXXX - now sold to Ocwen mortgage, has been trying to steal our house from us since 2008 through a modification. They did not apply payments for over 6 months, reported us as late, destroyed us financially & basically made our lives XXXX for the last 8 years. Currently the attorneys for the mortgage company are using lies to continue to try to steal our home. My full complaint is lengthy & detailed and will be attached.


Date_received: 04/28/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Freedom Mortgage
State: CA
ZIP_code: 917XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We had a water damage claim in our house. We were issued a water damage loss check from XXXX our Insurance company. The check was supposed to be endorsed by the mortgage company only. The first time I called they insisted due to the large check amount that we had to get a certified contractor to complete all of our house work. The people had already been working in our house for about 1 week and half and they did not have a contractor license. I explained this to person I spoke to the first time and they stated that I just had to write a letter of consent stating that i take full responsibility for the repairs. I faxed the papers in and they had not approved or sent any of my faxes through for a whole week and then when i called back they stated that I had to still fax the contractor license before they would send the check back endorsed. I have been going back and forth with several different personnel for almost a week and half. I last spoke with XXXX XXXX XXXX and she stated that she needed to request someone from the mortgage company to take a look and then he will send a report back to XXXX and then they will only send half of the amount of the check back to us. I called again today on the XXXX and the request had still not even been put through for the representative to come through. The workers are going to be done with the house work on Saturday on XXXX XXXX, 2016, and I still do n't have the means to pay them because of the mortgage company lack of communication and the incompetence of the company itself. I am thoroughly unimpressed, disgusted and disappointed that I 've had to go through so many hoops just to get a check endorsed for a project in my house. The customer service was non existent and was made to placed on hold for XXXX min each call and was hung up on XXXX different occasions.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: BMO Harris
Issue: WI
Subissue: 532XX
Company_public_response: Consent provided
Company: Web
State: 04/26/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
It is unconscionable for a large bank such at BMO Harris to deliberately refuse to provide regular statements of the amounts that are due to avoid late fees, penalties, and adverse credit reports, yet promptly send adverse credit reports to the credit bureaus. The adverse credit reports have had a direct and negative effect on our financial dealing, more recently resulting a car loan being obtained at a much higher interest rate than was initially offered.


Complaint_ID: Yes
Date_received:
XXXX XXXX - I called the lender and was asked to be transferred to the " Re-entry department '' so I could find out why I had not heard back

Product:
 ( I was told that there was an issue with my expenses being too low and I was told that the underwriter took the initiative to calculate them at a higher amount even if they were not my actual expenses. ) XXXX XXXX


Date_received: XXXX XXXX
Complaint_ID: Yes
Product:
 XXXX - My application was reviewed modification was denied and the sale date was never removed for loan ( The authorization form that I signed was used to pull a schedule of commissions received directly through the XXXX XXXX XXXX XXXX which does not represent my actual income and thus resulted in the denial of my application without calculating my actual income. ) XXXX XXXX


Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Wells Fargo & Company
Subissue: CA
Consumer_narrative: 946XX
Company: Consent provided
State: Web
ZIP_code: 03/31/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
I would like to request the sale date on my property to be removed at this time and modification be approved. I do not feel that they way the re-entry team handled my file was correct

Product:
 and they intentionally omitted information delaying this process until I called several times and spoke with different"


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Southwest Credit Systems, L.P.
State: MD
ZIP_code: 208XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
Southwest Credit Systems is trying to collect a debt for XXXX XXXX which is not mine. The person whom they are looking for has a similar name but different social security number.I have received harassing and threatening calls and they reported the false information to XXXX This derogatory information is preventing me from closing on my new home. It 's frustrating and unfair. As a consumer I feel powerless, how can I protect my credit from such situations. I have contacted Southwest Credit Systems several times and although they have admitted the social security numbers are different they refuse to remove the false information. The XXXX has contacted the company 5 times and each time Southwest Credit Systems ignored their letters and email. XXXX is also currently waiting to hear back from Southwest Credit Systems but they have yet to respond to them. I do not know what else to do. All I am asking for is a letter to clarify that I am not who they are looking for so that I can close on my home and go on with my life.Please help me!!!


Date_received: 05/09/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: FL
ZIP_code: 347XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone 30 days mark and can not verify these accounts, under the Section 611 ( 5 ) ( A ) of the FCRA- they are required to Promptly delete any information that can not be verify '' that I have disputed. Please help me resolve this matter as soon as possible. Thank you.


Date_received: 05/11/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: Selene Finance
State: DE
ZIP_code: 197XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been trying to apply for a modification for the last three years. The required documents that the lender needs was requested by the lender every month for 12 months and then in the 13th month I would be denied for incomplete documents. The lender stated that in several of the 12 months that the documents were complete. I and my Hud counselor are having this problem.


Date_received: 05/21/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Company: Ocwen
State: NC
ZIP_code: 280XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ocwen was in receipt of a notice to correct an error on my loan for clear errors regarding the unlawful start of a foreclosure before sending a 45 day pre-foreclosure letter. Ocwen received the notice to correct the error on XXXX XXXX, 2016 at XXXX XXXX, Owen 's automated response system sent me an email response on the same date and time stating thanking me for my request. Ocwen claimed to be reviewing the information and stated that they will respond quickly as possible. If additional information was needed, they would contact me. On XXXX XXXX, 2016, Ocwen mailed out an acknowledgement letter stating again that they received the correspondence. Ocwen said its goal was to complete all research and provide a written response to me within ( 10 ) business days from the date of the receipt of the letter, but it could be 30 days. When the 10 business days passed, Ocwen was contacted by my wife regarding the pending sale on the property for the status and inquired about the investigation into the notice to correct the error. Owen 's representative said that the research was ongoing and that the sale had been cancelled. We noticed that the trustee was still advertising the property for sale and we inquired with them and found out that the sale was not off. Ocwen on a later date informed me that the sale was in fact canceled through a call with my resolution manager, but just 30 minutes or so before my appointment time with my resolution manager, the attorney for the trustee sent over a message stating the sale for XXXX XXXX, 2016 was still scheduled. We decided on XXXX XXXX, 2016, after failure to get fair, non discriminatory treatment from Ocwen and its agents, we filed a fair housing complaint based on what we feel is racial discrimination. On XXXX XXXX, 2016 contrary to information that we read on the CFPB site regarding a Notice to Correct an Error, Ocwen sold the property before sending a written response with supporting documents that no error was found.


Date_received: 07/07/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: VA
ZIP_code: 238XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Please help me with Citibank in regards to my Home Depot account. I 've contacted Home Depot / Citibank several times regarding a XXXX 2015 late payment they reported to my credit bureau. I 've provided a detailed explanation to Citibank and asked them to remove the one late payment report from my credit bureau record due to my hardship which they refuse.to do citing FCRA requirements. I 'm a XXXX XXXX veteran had suffered recent tragedies which included the death of my young son, a XXXX by my mother and the loss of my job of 15 years. I made the XXXX 2015 payment late as it was an oversight given the events in my life at that time. I was never late with Home Depot payments before or after the XXXX 2015 payment, however, the negative impact to my FICO score related to Citibank/HD reporting me late has given me additional hardships because it has impaired my ability obtain financing from other lenders. I 'm not sure why Citibank refuses to assist a customer in need and not understand that sometimes terrible things happen to people and they as a lender should provide assistance instead of additional hardships and/or hurdles. I understand Citi/HD XXXX not feel there is a regulatory requirement to assist customers in need like me, however, I 'm hoping that with your help perhaps they can have some compassion.


Date_received: 05/22/2016
Product: Credit card
Issue: Customer service / Customer relations
Company_public_response: the rep. gave it to me this time and I asked
ZIP_code: one I never received. Also note above everything that happened after XXXX/XXXX/16
Date_sent_to_company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company_response: Barclays PLC
Timely_response: FL
Consumer_disputed: 349XX
Consumer_narrative:
Item purchased not as described and vendor would n't answer means of contact provided on invoice for return, no address provided. As a result of not being able to contact the vendor I opened a dispute ( Case ID XXXX ) with Juniper bank specifically noting I could not get a response from the merchant and an address was n't available. A received a denial letter on XXXX/XXXX/16 stating the vendor had n't received the product back yet and Juniper stated the dispute was closed. I acknowledged said fact as it was the entire reason for opening the dispute and as requested by Juniper I sent a written request to reopen the dispute on XXXX/XXXX/16, they obliged. On XXXX/XXXX/16 Juniper called me and noted the dispute was re-opened and I verbally requested the vendor 's address for return. They said they 'd call me back. On XXXX/XXXX/16 I called Juniper and requested the address for return and was told the dispute was closed. I informed them it should n't be as they already acknowledged receipt of my XXXX/XXXX/16 letter requesting re-opening. The Juniper agent, said " ok it 's opened again '' and I yet again requested the vendor 's address. Juniper said they 'd call me back. On XXXX/XXXX/16 I called Juniper again and requested the address

Company:
 "" will I receive the full refund upon the vendor receiving the returned merchandise? '' The recorded response was

State:
 "" yes provide us with written tracking that it has been delivered and we 'll credit your account. '' I shipped the package on XXXX/XXXX/16 and upon delivery provided Juniper with written documentation of its delivery. On XXXX/XXXX/16 I received a letter stating I would not be receiving the credit as the case has been closed since a letter dated XXXX/XXXX/16

Submitted_via:
 XXXX/XXXX/16 the operator noted it was re-opened and XXXX/XXXX/16 being told to mail the merchandise back for a credit. Why if it were closed are they telling me to send merchandise back? Only after I jumped through all of their hoops and incurred additional ( return shipping expense ) did Juniper renig on their offer. I called and spoke with a so called Sr. Customer Service Management and asked why I was told to send the merchandise back on XXXX/XXXX/16 if the case had been closed since XXXX/XXXX/16? I was told the ( XXXX/XXXX/16 ) rep. did n't have the authority to do so and for me to deal with the vendor!!?!!? I guess the Sr. Customer Service Manager did n't even read the file or she 'd know that 's the entire reason for the dispute in the first place. I asked Juniper to stand behind their XXXX/XXXX/16 rep. and they would not even though it 's on a recorded line. The Sr. Customer Service Rep. said she would need a RMA from the vendor ... ... ... ... ... .the one I ca n't get in touch with and proved to Juniper multiple times throughout the process."


Date_received: 07/05/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I disputed my FCRA rights as my accounts are reporting inaccurately. I was sent yet another inaccurate false credit report by Transunion. I called in to get information on what and how things were verified and was told they could not give me the information but are reporting information. The XXXX XXXX account has a inaccurate and incomplete pay history. It does not go in chronological order nor does it match any to the details they have listed. If the account was closed XX/XX/XXXX how can it be a maximum delinquency and 120 days late XX/XX/XXXX? I spoke with a man named XXXX XXXX XX/XX/XXXX at TRANSUNION and he said he had no access to information. Which in not ethical. I would like all of these inaccurate accounts deleted because TRANSUNION is falsely reporting information. Also the name address and phone number to these creditor are not correct or updated. I spoke to these companies and NEITHER FROM ALL THREE COULD PROVIDE ME WITH DETAILED information on these accounts said they no longer have full account details. So how can they report this false information


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: ARS National Services, Inc.
State: AZ
ZIP_code: 853XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was contacted on behalf of XXXX by ARS National Service to collect on my outstanding debt. After an agreed upon settlement amount, I was told that if I made a payment over the phone with them through a check, my check would be written directly to XXXX and not ARS National Service. I had ARS specify this. When my check was cleared through the banking system, the image of my check said 'Pay to the order of ARS National Service '. I still have not received confirmation from XXXX that my balance was settled and paid in full with them.


Date_received: 05/14/2016
Product: Prepaid card
Subproduct: Gift or merchant card
Issue: Fraud or scam
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: PA
ZIP_code: 190XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
i registered the gift card and am unable to use it.after several calls got a live person and they told me that it was registered to someone else.eventhough i can access the account and change the pin number.this is XXXX percent a scam


Date_received: 05/22/2016
Product: Credit card
Issue: Closing/Cancelling account
Company: Capital One
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have a family member listed as a authorized on my account. I received a letter that Capital One to destroy the card because the authorized user was removed because of past criminal activity. They were arrested but never convicted. I called and was told the decision woul not be reversed. I am responsible for the account not the authorized user. Again arrested but not convicted. Thank You.


Date_received: 05/05/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Seterus, Inc.
State: NY
ZIP_code: 109XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We were verbally denied for XXXX. After requesting information regarding the denial over the phone we were told that any request for information would not be granted unless it was written request. We have since made several written requests regarding our XXXX denial, the status of the modification and mistakes we found on our loan in XXXX 2016. We never received any information we requested or any corrections to the mistakes on our loan. We have followed up those written requests with other letters that have also been left unanswered since XXXX 2016 - it is now XXXX 2016. Our mortgage servicer via telephone says it can not answer the questions that we have asked and we have to wait for written answers to our inquiries even if we are well outside the allotted 60 business days they say we should receive our answers in.


Date_received: 05/11/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Consumer_narrative: I have been TRYING to get a loan modification from Ditech ( current " servicer '' on XXXX loan
Company: so I spoke to an attorney who said I should still qualify and to XXXX
State: who ca n't help with appeals. So I wrote to Ditech asking for clarification
Submitted_via: which they have not taken into account
Timely_response: Company believes it acted appropriately as authorized by contract or law
Consumer_disputed: Ditech Financial LLC
Complaint_ID: NY
Company_public_response:
 originally XXXX ) and worked with XXXX on the application. It was denied without any real explanation

ZIP_code:
 and was told that they are complying with XXXX guidelines. I can not find those guidelines and do n't believe Ditech is telling the truth. I have had a huge loss of income and increased indebtedness

Date_sent_to_company:
 and I do n't see how it is possible that with monthly income of {$1100.00} and a mortgage payment of {$750.00} ( without taking into account ANY expenses

Company_response:
 including debt service ) that I would NOT qualify. It seems they continue to deny because it is nearly impossible to challenge them on the facts or their compliance."


Date_received: 05/02/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: JPMorgan Chase & Co.
State: FL
ZIP_code: 347XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Chase requested that I pay them for a delinquent credit card account. I asked for them to validate the account but they were not able to do so. Since they could not validate the account I requested they remove it from my credit file and not contact me any longer. They left it on my credit file and wrote the debt off sending me a XXXX to file with my tax return.


Date_received: 04/20/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: Capital One
State: CA
ZIP_code: 950XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My name is XXXX XXXX I want to file a complaint do to the fact someone has opened a credit card in my name and used up XXXX dollars in a XXXX XXXX card, and none of the companies want to give me the information that I found on XXXX to check my score. And found a card that I did not open, that someone else has opened in a XXXX XXXX credit card I would like to press charges against that person .I also would like all the information about what, were, how, and who, was this person so I can make a police report. And they will not give me the proper information to do what I need to do .so this person will get caught .I would like to know why I can not get all my information on the card that was opened in my name .and why XXXX XXXX will not give me my own information .that someone else used, they told me not to worry about to let it go, Please call me if any???? XXXX XXXX at XXXX


Date_received: 05/14/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: inaccurate
Complaint_ID: Yes
Consumer_narrative:
A company by the name of XXXX ( a company which, by the way, no longer exists ) has been unlawfully reporting XXXX invalid " collection '' accounts in my name since XX/XX/XXXX

Company_public_response:
 for the amounts of {$210.00} and {$210.00}. I first discovered these errors and several others when I pulled my own credit report for the first time in many years while looking for a house. I pulled XXXX initially and upon receipt was shocked and highly concerned to find a significant number of invalid


Date_received: Fortunately
Issue: once I was provided the name of the original creditor
Company_public_response: however
Complaint_ID: Yes
Product:
 XXXX and each "" creditor '' they contacted in an attempt to validate the supposed collections agreed that not one of the accounts were valid

Subproduct:
 and the outcome of that dispute was that all were deleted/removed within a 45 day period between XXXX/XXXX/XXXX - XX/XX/XXXX. The XXXX XXXX accounts did differ from the others in the fact that

Subissue:
 I did recognize the situation in question. What they are calling "" accounts '' were actually XXXX checks written for textbooks to the campus bookstore at XXXX XXXX XXXX XXXX College

Consumer_narrative:
 but that had been PAID IN FULL immediately upon notification that the checks had been returned due to NSF ( calculation error on my part when reconciling my checkbook ). I realize 7 years is a long time ago


Date_received: After realizing how riddled with errors my XXXX report was
Product: I pulled XXXX and XXXX as well. Sure enough
Subissue: that it IS THEIR duty to conduct a reasonable investigation
Company: Company believes it acted appropriately as authorized by contract or law
State: Collections Acquisition Company, Inc.
ZIP_code: IL
Submitted_via: 622XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/14/2016
Complaint_ID: Closed with explanation
Subproduct:
 I found many of the same completely invalid "" collection accounts '' were being reported to XXXX and XXXX as well. So I entered credit disputes with both XXXX and XXXX just as I had with XXXX. To my shock and disgust

Issue:
 the results of said dispute indicated that these collections would remain on my report. I have since filed re-disputes for these items through XXXX with the same results. I 've also contacted XXXX by phone and explained that these accounts have already been deemed invalid and deleted from their records. Not to mention the fact

Consumer_narrative:
 and I 'm not sure how you can claim to have received a response from a company that no longer exists. They have been entirely unhelpful. I 've also attempted to contact XXXX ( currently know as Payliance ) directly to bring to their attention to the fact that they are not fulfilling their legal obligation to have these accounts deleted from any/all credit bureaus to which they 've been reporting falsely. I noted the dates the accounts were invalidated by XXXX

Company_public_response:
 and receive nothing but a form letter in return. The bottom line is XXXX is not doing their due diligence in investigating this issue and XXXX/Payliance is just blatantly breaking the law by continuing to report information that they 've already conceded as false."


Date_received: 12/03/2015
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: ie refinance
Company: short sale
State: deed in liu
ZIP_code: loss mitigation
Date_sent_to_company: which would qualify because my note and title were separated twice rendering the mortgage invalid
Consumer_disputed: "" just keep sending payments "". I said
Consumer_narrative:
My home was foreclosed. The particulars include 42 months of negotiation with the lender to no avail, including filing bankruptcy twice, once a chapter XXXX, then again a chapter XXXX, each with a stay of foreclosure provision. Each time asking for a " workout '' to restore the loan status to 'current '. I filled out documents many times forwarding personal and private financial information to the lender / servicing entity. During this process I received several inquiries and solicitations from third party law firms suggesting they would take up my cause and would help in getting a remedy

Submitted_via:
 etc. one of the options put forward was the real possibility of something called a motion for quiet title

Company_response:
 that is it ( the mortgage went to XXXX twice. One of these firms indicated my case would be a slam dunk because of twice going to XXXX and because I am a military veteran

Timely_response:
 and I have an XXXX child living with me. At one point the lender offered a trial loss mitigation with all the provisions spelled out. I fulfilled all requirements in a timely manner then called lender to ask whats next? The response was

Complaint_ID:
 "" I will do that when I receive a statement showing how those funds were applied. The lender was unresponsive


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: NY
ZIP_code: 124XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I started GE money credit card for my teeth and vet bills XXXX years ago. I lost my job in 2008 and consequently lost my residence and became homeless. I received XXXX XXXX years ago and live in subsidised housing. I continued to pay XXXX the minimum and XXXX XXXX to this day. The current hardship from Synchrony Bank to pay my loan off is {$55.00} a month for the next for 4 years. I also pay XXXX XXXX {$30.00} a month to pay off another balance. Both would no longer charge interest. I have duly paid these companies in the years that I have had them. How does one justify extortion from these companies that want even more.


Date_received: 05/17/2016
Product: Credit card
Issue: Billing statement
Company_public_response: which I paid myself on XXXX XXXX. However
Complaint_ID: Yes
Consumer_narrative:
Hi, I have a credit card account with barclaycard called XXXX XXXX card. I have my payment setup on repeat pay for the " statement balance ''. My last balance was {$670.00}

Company:
 barclaycard deducted another {$420.00} from my checking account on XXXX XXXX. When I called and complained about the situation


Date_received: Although the manager told me it is in terms and conditions
Issue: and other customers could have the same problem."
Subissue: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative: Barclays PLC
Company_public_response: CA
Company: 928XX
ZIP_code: Consent provided
Submitted_via: Web
Date_sent_to_company: 05/17/2016
Company_response: Closed with explanation
Timely_response: Yes
Consumer_disputed: No
Complaint_ID: 1928113
Product:
 I was not able to find it. This situation created problem for me since I need to find money to pay my other bills. Also

Subproduct:
 I think it is a way of taking benefit from customers and deducting more money than it should. I feel that I am not the only XXXX abused


Subproduct: JPMorgan Chase & Co.
Issue: AZ
Subissue: 860XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: 1928113
Date_received:
I believe that Chase is guilty of fraud, and that its employees are currently actively covering up this fraudulent act. I have brought this issue to Chase several times, only to be sent a copy of my contract, and to be told that they were researching the issue and would get back to me. I have received a letter this year, which is full of gobbledygook about my helc, and does not even address my complaint about this fraudulent change in the contract term. They will not refer me to their legal department ; they just engage in subterfuge. And they continued to bill me at the erroneous rate of 3.25 %, despite the clear evidence of the contract. Now they have raised the interest rate to 3.5 % fixed, again, completely unilaterally. I would guess that there were many Washington Mutual customers whose mortgages were altered by Chase, and that you have seen similar complaints before.


Date_received: 06/13/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Credit decision / Underwriting
Company_public_response: Company believes complaint is the result of an isolated error
Company: Ditech Financial LLC
State: FL
ZIP_code: 334XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2012, I sold my home via a cash sale. At the time Green Tree Servicing LLC ( XXXX XXXX XXXX was the mortgage holder ) discharged my mortgage after the sale was properly sold. The amount discharged was {$53000.00}, ( A XXXX Form was issued by Green Tree Servicing ). My credit report since 2012 reflected the cash sale with no amount outstanding or in arrears. Now comes Ditech Financial LLC from XXXX XXXX, SD and placed a balance of {$52000.00} on my credit report showing the amount is in arrears. It appears that Ditech Financial LLC bought the accounts from Green Tree Servicing or joing together. I became aware of this situation through my XXXX credit monitoring service, provided to Federal Employees. I want Ditech Financial to erase the amount it placed on my credit report, ASAP. This is damaging my credit now. Green Tree never placed the amount charged off as an amount in arrears.


Date_received: 05/19/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Problems when you are unable to pay
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: MS
ZIP_code: 388XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/23/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Receiving excessive calls from automated caller to collect debt. Have received 4 calls so far today.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company: AMCOL Systems, Inc.
State: NC
ZIP_code: 276XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my personal identity has been stolen and used to open this account i have filed police report and and affidavit to that effect but this company has this fraudulent account on file as me as well as continue to try to collect and report this fraudulent account to the credit bureaus ...


Subproduct: and have my normal life back."
Subissue: JPMorgan Chase & Co.
Consumer_narrative: CA
Company_public_response: 900XX
State: Consent provided
ZIP_code: Web
Submitted_via: 04/11/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Date_received:
recently I wanted to really solved this problem and ive been filing complain everywhere and somehow I finally got intouch with the investigator directly. and started to solved some issues. I got a respond back from early warning saying that they have removed the report and told me that I will be able to reopen the bank account now with the deletion letter they 've sent me. So I went to the bank and I was able to open the account. But right next day I opened the account, XXXX XXXX bank have freezed my account and they will not let me withdrawl my balance or deposit. And also Chase bank have randomly informed me that they will not have business and it is not a matter of XXXX or XXXX report. The reason was " they just do n't want to

Product:
 and they can not tell me what the reason is '' and they also said "" they always have right to refuse or discontinue the relationship with customer. I want to know what the main reason is so that I can fix this issue


Date_received: 05/26/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Company: Optimum Outcomes, Inc.
State: NC
ZIP_code: 285XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
THIS COMPANY HAS REPORTED INFORMATION IN MY NAME WITHOUT VERIFYING THAT THIS INFORMATION BELONGED TO ME BEFORE REPORTING THIS INFORMATION TO MY CREDIT FILE AND GIVING ME PROPER TIME TO VALIDATE ANY OF THE INFORMATION BEFORE REPORTING TO CONSUMER REPORTING AGENCIES.I HAVE REACHED OUT TO THE NUMBER LISTED IN MY CREDIT FILE AND IT REACHES A VOICEMAIL OF A WOMAN. WHO DOESNT EVEN MENTION THIS COLLECTION COMPANY BY NAME.


Date_received: 05/25/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Application, originator, mortgage broker
Company: JPMorgan Chase & Co.
State: IN
ZIP_code: 471XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/25/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We had a home equity line of credit for 5 years that expired in XXXX 2016, with a balloon payment due of {$240000.00} which we received a letter in the mail a week before the expiry date telling us that our payment was due. I immediately went to see my local bank and he could not help us, because we were a member of private banking and he could not even see our information. So, he then gave us a name for a loan officer, which we called when we got home and sent him all our paperwork, he then determined that we would not be eligible for a mortgage because my husband had a year before that lost his job with the company he had been with for 30 years, because the company moved back to XXXX. My husband was working, but only making half the money, so he suggested that if we pay our car loan, we would qualify for pre approval. We took our savings and paid the loan, and called him after it was paid, he then said the loan had been sent to collections and he could not help us. I then went back to my local bank and asked to speak with another loan officer and after one week, she called us back saying she also could not help us, we had to contact collections. I have spoke to maybe XXXX different people, gone to our local bank 3 times, spoke with a lady from the executive office once and she also said she could not help us and had no interest in helping, I called her supervisor and we did not receive a call back. Before this happened, our credit was very good and we had missed 1 payment, which was a few days late, in the whole 5 years of this loan. Because of all this fooling around, they have reported us to the credit bureau as late and this has taken a bad hit on our credit. They now do not want to give us another loan and offered to possibly have a second look and see if we qualified for the hardship remodification loan and he said it 's not sure we will get it, you have to be under a certain salary, we can pay our payments, my husband is making good money, that is not the problem and i told this to the bank. We did not realize going into this at 5 years, we would have to pay back the whole {$240000.00} we were not made aware of this, oh it was probably in the fine print of the contract, but i do n't understand that jargon and relied on the loan officer at the time to tell me this and he failed to do so. We are not faced with a foreclosure and need help immediately. Please help!


Date_received: 05/20/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: J J Marshall & Associates, Inc
State: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received services from this company in XXXX for an extraction. I was never made aware of a bill that I had with them. My phone number or address has not changed since my visit. Today I receive an alert that they have placed a derogatory mark on my credit file. I contacted them immediately and did not get anywhere. Since XXXX I have filed bankruptcy in addition to having it discharged in XXXX XXXX. This debt should not be reflecting on my credit report. Such horrible service and business practices.


Date_received: 05/14/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 940XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
The whole Chase system was down on XX/XX/2016. I could not get my money at any Chase ATM. I was forced to use another bank 's ATM to get my money. Now chase said they will not refund the charges from the other banks I was forced to use because those XXXX could n't keep their systems up.


Date_received: 05/13/2016
Product: Credit card
Issue: Sale of account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been receiving credit card offers for the past couple of years through Citibank. Every time that I apply for a credit card, my application gets rejected. It is very frustrating to receive credit card offers every month and after applying at least three times, I continue to have my application rejected. I have sufficient funds in the bank and I have great credit. I work a full-time job as well. Thus, I believe that those are good enough reasons as to why I should qualify for a credit card.


Date_received: 05/24/2016
Product: Debt collection
Subproduct: Medical
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Company: American Adjustment Bureau, Inc
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/24/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was residing in Connecticut at the time of the incident in which I was hospitalized. And so now I reside in a different state I lost track of that account I would like to resolve this issue.


Date_received: 07/01/2016
Product: Debt collection
Subproduct: Credit card
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ERC
State: CO
ZIP_code: 802XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/01/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
ERC has called my office every day for the past week regarding debt. They do not say anything, they simply call and it goes to dead air. I work in a XXXX person office, that 's me and my boss. My boss gets the voicemails. So I have no idea who calls unless I answer. I googled and called the number back to get the office number removed from their list. But they are calling me AT WORK. I could lose my job, and never be able to pay any of the debt I have again. I am doing what I can to pay off my debt, I do not need to feel threatened everyday.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Monterey Financial Services, Inc.
Issue: ID
Subissue: 838XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/20/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
A week ago I was contacted by XXXX XXXX, a representative of Monterey Financial Services, XXXX XXXX XXXX, XXXX, CA XXXX demanding repayment of charges amounting to {$3700.00}. I have disputed the claim, but fear the company will continue to harass me concerning this. In addition, they are certainly going after many others. I believe this is a clear violation of several laws, including the Fair Debt Collection Act, and would appreciate any assistance you might be able to provide.


Date_received: 05/09/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: FL
ZIP_code: 346XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We have own a townhome which requires an XXXX fee each month. The XXXX XXXX XXXX XXXX ) includes my payment for my outside dwelling insurance. We have been paying {$1000.00} over our normal payment to the mortgage company ( US Bank Home Mortagage ) for the past 3 months due to them not sending proof of insurance. We have sent multiple requests via email, we 've called and been transfered only to ever get a voice mail. They did however give us the insurance companies name we contacted the issuing agent giving her all the specific information again. She sent the same wrong information again. Our mortgage company keeps telling us that we have do n't right documents on file, we ask the XXXX again to fax the documents..mortgage receives says it will take 10 day to update payment information..every time we call back and ask if it has been fixed they say they still need the same information and they sent the wrong paper work. We cant afford our payments and out credit scores have been massively effected, and they said it will be put back in escrow " IF '' it is refunded which means we will not receive it till the end of the year."


Date_received: 05/18/2016
Product: Credit card
Issue: Billing disputes
Company: Capital One
State: PA
ZIP_code: 194XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX I received a fax through my job fax machine it was for a vacation package and it stated it was through XXXX and it was also from my HR department. So I called the XXXX number on the flyer I asked them in a ton of questions I also asked if he was XXXX he told me yes he was XXXX after speaking with the man I felt comfortable I gave him my credit card over the phone I asked for confirmation he said once I sign my credit card slip I will receive my vouchers and my confirmation and all the links to pick my hotels. So i esigned the credit card statement then I got my vouchers and I also got my emails I clicked on the link when I got home and something did n't seem right I did a lot of investigating and I found out that they have reports that this was a scam I look them up and sure enough they were on the scam list I called them back the next morning and I told them that this was a scam and they hung up the phone on me, I then called back and tried to cancel they said I could not cancel my vacation package because it was Final sale. I called my credit card company Capital One they told me not to worry that they will get my money back and I will not be responsible for this they did an investigation and then I received a call that the investigation was closed and they could not retrieve my money back. After they called me and told me that I ca n't receive my money back, i called again and I told them to call on three-way with me to show them that this is a scam they said they did n't receive enough documentation but I told them that I did n't receive any documentation from the vacation all I had was what I sent them. So the people from Capital One called the vacation place, XXXX with me on 3 way she then told them that she knew this was a scam and that I need to get my money back they told her no they freaked out on her and hung the phone up on her Capital One has all that on recording and they still do n't want to pay me my money back. They told me they have to follow procedures but how can they follow procedures when they clearly heard that it was scam them self. Please do n't ever try to get a vacation package through American vacations and also be careful what Capital One tells you because they do n't really back you up


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Caliber Home Loans, Inc
State: MD
ZIP_code: 212XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage company sent me a modification offer which I signed and accepted. My total monthly mortgage payment is supposed to be {$1600.00}. Caliber Home Loans just called me and told me that my total mortgage payment due is {$2300.00}. I asked why it was that much and they explained that they had forgot to add fees to mortgage modification so {$2300.00} is the amount due ; this can not be legal. Caliber Home Loans needs to waive any fees that they " forgot '' to add to our executed mortgage modification agreement. Caliber Home Loans took more than 90 days to approve my modification so they had plenty of time to check their work to make sure that they were offering me the right modification. I should not have to pay for Caliber Home Loans mistakes or for fees that I did not agree to and that were not part of our agreement."


Date_received: 05/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my identity was stolen. accounts were opened in my name and used. I have filed a dispute several times and provided a police report along with an affidavit to show my identity was stolen and Equifax still will not remove the negative info from my credit report


Date_received: 04/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: TX
ZIP_code: 750XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I went through an eviction with an apartment complex in 2014 and was told in court that the amount owed was {$2700.00} plus 5 % interest. But a few weeks after I vacated the premises I received a letter stating that I owe {$8200.00}. When questioned where did the additional {$5000.00} come from, I was told that it was for the eviction process. I asked for proof stating that I owed the additional amount and I was never given it until a full year later when I contacted the collection agency handling this case. I informed both the collection agency and the apartment complex that this amount was incorrect and being reported on my credit report. I was given a ledger which lists the debt but it was very confusing to me and the collections agency advised that they would send a dispute letter but never did.


Date_received: 05/02/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: NJ
ZIP_code: 073XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On or around XX/XX/XXXX I mailed Equifax letters informing them that my personal information has been used fraudulently resulting into several accounts being opened and sent to a collection agency. Equifax failed to answer or dispute any of the accounts that where being reported as a result of identity theft. They knowingly violated 15 U.S.C. 1681 ( c ) 2 ( a ) 1 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX 2 ) XXXX XXXX XXXX XXXX Opened XX/XX/XXXX


