# complaints

Date_received: 05/12/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: NJ
ZIP_code: 088XX
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 disputed inaccurate and incomplete information reported on my Equifax report concerning XXXX accounts XXXX and XXXX. I asked for specific items in my credit report. The letter is attached. Equifax then responded with confirmation XXXX. Several items are missing and incomplete such as Last Payment amount missing and incomplete, Date of Last Activity, Date Closed missing and incomplete, date open is not accurate, unless they can provide proof. As per FCRA all information must be complete and accurate or deleted. The XXXX XXXX accounts should be deleted immediately.


Date_received: 05/06/2016
Product: Money transfers
Subproduct: International money transfer
Issue: Money was not available when promised
Company: MoneyGram
State: CA
ZIP_code: 925XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I sent money through Money Gram as I often do every month, on XXXX/XXXX/16 at XXXX. They put a hold on XXXX of my transactions. They said to call them back in an hour to see when the funds would be available. I have tried to get this resolved seven times calling them back and waiting on hold and not being given a reason for the hold. I had sent another separate transaction and there was no problem. They keep on telling me to call them back and they keep on saying they are e-mailing the department that puts things on hold. It is now XXXX/XXXX/16 and they are telling me the same thing. Now, I just want my money back and I will go to XXXX XXXX.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: CA
Subissue: 945XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 06/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have paid 14 years into the home since XXXX, I do not want to prolong the terms to another 39 years, I can not live that long and I do not want to leave a mess for my children to handle. Now the property is under water because of the added principal and new balloon payment, the market value is only about {$320000.00}, now I owe more than {$350000.00} - more than {$200000.00} in debt than what I owe a few months ago. I am in poor health, I can not handle the stress to be in a worse financial situation than before and to have all my hard earned equity wiped out. I feel like I walked into a trap of disguise that BofA was there to help. I want to receive proof that Bank of America is the owner of my mortgage debt, I want to receive a written break down of how the increased principal and the balloon payment are consist of, I want to reverse the modification or amend it to a reasonable amount based on the nine months ' late payment and late fees.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ERC
State: OR
ZIP_code: 970XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XX/XX/XXXX, I tried out a XXXX cell phone for a week, and returned it as per XXXX 's new customer agreement, and paid a {$35.00} return fee. In the next few months, I was called by this agency with a request for {$660.00} for the value of the phone and a month 's service. I explained the situation to them and called XXXX corporate and the store I got the phone at. The collection disappeared from my credit report, only to return XX/XX/XXXX as showing a month 's service, which I never had, having possessed the phone for one week only. I have tried to call XXXX corporate on three different occasions requesting a copy of said statement, and each time being assured one would be sent, but never having received a statement.


Date_received: 05/07/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: GA
ZIP_code: 314XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Last year, I applied for a credit card from XXXX XXXX and paid the processing fee. However, after several weeks and no card I called the company to tell them I was cancelling and would no longer need the card. At that time I was informed that the card had been used and charges totaling {$270.00} were on the card. I immediately informed the representative that I had never received the card and therefore the charges were n't mine. The representative also informed me that someone had called and reported the card lost from a different number than I was calling from now. I informed her this was my only number. We went through a list of the charges where I again confirmed they did n't belong to me. The representative stated I would receive some paperwork to fill out and return. I never received any such paperwork. I did begin to get collection notices from collection agency regarding this issue. I filed a dispute that came back verified and was horrified because I know I 'm not responsible for these charges. This collection now sits on my credit report showing 120 past due.


Date_received: 05/04/2016
Product: Money transfers
Subproduct: Domestic (US) money transfer
Issue: Money was not available when promised
Company: PayPal Holdings, Inc.
State: NJ
ZIP_code: 083XX
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 transferred XXXX from my Paypal account to my bank account. The status from Paypal says " completed '' but the money is nowhere to be found in my bank account. Calls to Paypal remain unanswered."


Date_received: 04/19/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Tenet HealthCare Corporation
State: FL
ZIP_code: 333XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
SYNDICATED OFFICE SYSTEMS IS REPORTING XXXX COLLECTION ACCOUNTS. CENTRAL FINANCIAL CONTROL IS REPORTING THE SAME XXXX COLLECTION ACCOUNTS. THIS DOUBLE ATTEMPT TO COLLECT ON XXXX ACCOUNTS LOOKS LIKE THERE ARE XXXX OPEN ACCOUNTS. THEY NEED TO DELETE XXXX OF THE SET OF XXXX. EITHER SYNDICATED OR XXXX NEEDS TO REMOVE THEIR ENTRIES.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Medical
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: ARC Services
State: TX
ZIP_code: 768XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Threatened to report on mine and my husband 's credit, very rude continued collection calls, and demanding voicemails


Date_received: 05/05/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Eagle Accounts Group, Inc.
State: IN
ZIP_code: 479XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Eagle Accounts Group to validate a collection they are reporting on my credit reports on XXXX/XXXX/15, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially.


Date_received: 04/15/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Tenet HealthCare Corporation
State: FL
ZIP_code: 334XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX, XXXX, I received a credit alert regarding an unpaid medical balance for alleged services received at the XXXX XXXX XXXX XXXX on XXXX, XXXX, XXXX. I have never visited the XXXX XXXX XXXX XXXX facility for any type of services. I made several attempts to clarify that this information is erroneous, inaccurate, and false, and that this debt do not belong to me. Unfortunately, Central Financial Control, the collecting agency reported my name as delinquent to several credit Report Agencies with further potential damages to my credit. The information provided to these Credit Report Agencies is invalid, inaccurate, and false.


Subproduct: Equifax
Issue: GU
Subissue: 969XX
Company_public_response: Consent provided
Company: Web
State: 05/16/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that XXXX, Equifax , and XXXX remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).


Complaint_ID: Yes
Date_received:
I pulled my credit report and saw XXXX report for XXXX XXXX. It states closed XXXX and Paid or paying as agreed. It also states " card lost or stolen ''. The dates did not match the XXXX dates that XXXX XXXX reported


Date_received: XXXX XXXX is also showing on my XXXX and XXXX accounts. Again
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: TransUnion Intermediate Holdings, Inc.
Subissue: OR
Consumer_narrative: 975XX
Company: Consent provided
State: Web
ZIP_code: 04/19/2016
Submitted_via: Closed with non-monetary relief
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 this is all with different dates and balances. The only XXXX XXXX account I have ended as "" paid or paying as agreed '' in XXXX XXXX. I want the XXXX XXXX accounts deleted off of each XXXX of my credit reports as they are not accurate at all. I want the threats and the contact from XXXX XXXX to stop as well."


Date_received: 04/04/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Back in XXXX XXXX Nation Star Mortgage sent me documentation indicating that they were my new mortgage lender. Prior to this I had been working with XXXX XXXX XXXX. I had not been notified that XXXX XXXX XXXX would not be my mortgage lender anymore. XXXX XXXX I entered into a Trial Period agreement with Nation Star. My monthly payments were {$460.00} for 3 months. I made my payments on time. I had paid my monthly payments up to XXXX XXXX. Around the time I was on the trail agreement I contacted Nation Star to inform them that I wanted to do a short-sale on my property. Per the representative I had to be delinquent on my monthly payments. This is when I stopped making my payments. I however did keep in touch with Nation Star & again was told that I was n't delinquent with my loan. Prior to this issue with Nation Star I had been working with XXXX, a mortgage agency in attempt to pay back Nation Star. I filed for XXXX. I was later denied by XXXX due to the fact that I had applied for a short-sale. By XXXX XXXX, XXXX I was laid off from a job that I had been at for almost 8 years. I started a new job in XXXX XXXX. I am currently still working.


Date_received: 04/19/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Fidelity National Information Services, Inc. (FNIS)
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/19/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The man I worked for in the XXXX at a XXXX. He wrote me XXXX hecks and i put them into my account and they bounced. He didnt even have the monies in his account! So my account was then closed. The second time someone stole my card and used it to make fraudulent transactions.


Date_received: 04/28/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Sallie Mae
State: KS
ZIP_code: 665XX
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 am XXXX and Sallie Mae knew this and in a matter of XXXX8 months moved my loans to collections and have been harassing my co-signer daily- All my other loan providers are on board with me.


Date_received: 05/16/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: IN
ZIP_code: 467XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mortgage was sold to Nationstar Mortgage by XXXX. I received notice from XXXX concerning the sale, but never received the information about my loan from Nationstar. After many phone calls, this was straightened out, however Nationstar is not honoring the repayment terms according to my original loan. I have electronic payments automatically sent twice a month with a total that exceeds my payment. Nationstar consistently holds the funds without applying them to my account. They then repeatedly contact me falsely claiming that they have not received any payments.


Date_received: 05/02/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Santander Consumer USA Holdings Inc
State: MD
ZIP_code: 207XX
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 paid my vehicle loan company ( Santander consumer USA/ Drive Financial ) through my banks XXXX electronic funds transfer system on XXXX XXXX. XXXX XXXX I received a voice mail message stating that my car note was late. I immediately called the etrade who gave me a confirmation number provided to them from Santander. I then called Santander and was told that even though I had a confirmation number I would need to submit a copy of my bank statement showing the said transaction. I sent my bank statement on XXXX XXXX and an additional document showing all of my bill payments to Santander. After Santander received the documents I was told they were insufficient and I needed a copy of the electronic funds transfer or the check that etrade sent to them. I called etrade and was told that they have no way to provide me with either piece of documentation.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: Credit Service of Central Washington, Inc.
State: WA
ZIP_code: 988XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My wages started being garnished XXXX XXXX, I called in XXXX XXXX and made a payment agreement with XXXX XXXX for {$300.00} every 2 weeks to get my garnishments to stop. I have multiple times asked for a written agreement of what my payment is to be and when it is due and was told they could n't do that, all they could give me is what I have paid. I called in today and was told I missed a payment on XX/XX/XXXX and that my account was going in for garnishment and that I owed another payment on XX/XX/XXXX and XXXX XXXX was not there to speak to. I asked if I could just make a {$300.00} payment today and call back tomorrow to talk to XXXX XXXX. I was told no I had to make a {$600.00} payment to ( XXXX XXXX ) or I would be garnished again. I made the {$600.00} payment and then asked her again why I would in another week that my agreement was every 2 weeks not ever week. The lady told me you do n't owe next week you owe on XX/XX/XXXX ( which my payment is due XX/XX/XXXX ), I told her that 's not what you just said and she told me to call tomorrow to speak with XXXX XXXX that she could n't give me any more information. I asked than to speak to the owners and was told no. I than asked to speak to the manager there and was told that was XXXX XXXX and I needed to call back tomorrow.


Date_received: 03/17/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: SC
ZIP_code: 297XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The debt collection is erroneous and I do not owe any debt to them. XXXX never sent me a final bill as they had an address of a home I have never lived in. I was never called, emailed nor did I ever receive a physical bill. There was no way I could have known I had an outstanding balance


Date_received: 04/08/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Complaint_ID: Yes
Consumer_narrative:
-- On XXXX XXXX, 2016, I submitted a complaint through the Consumer Financial Protection Bureau online complaint submission form, which is quoted below : " Received multiple missed phone calls from Debt Collector


Product: their phone number and address : ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX
Subproduct: XXXX
Complaint_ID: Yes
Date_received:
I called the phone number back today to find out who has been calling me. I was told that they were a debt collector looking to collect a debt. They gave me the information that asked for


Product: which I have not received
Complaint_ID: Yes
Date_received:
I told them that I had not received a letter in the mail informing me that they are collecting a debt

Subproduct:
 and that they should not call me until I receive that letter. I also confirmed my phone number with them and told them that they can only contact me at that phone number


Date_received: I expect the letter within five days of this
Product: our initial communication
Issue: date account open and date account went delinquent
Subissue: last payment amount
Complaint_ID: Yes
Subproduct:
 as I have not been fully informed about the debt. I did request some information and was provided with the following : amount owed


Date_received: I also asked for the name of the debt collector and was told it was XXXX XXXX
Product: but when I searched the number ( XXXX ) XXXX online
Subproduct: I found the following information : XXXX Headquarters XXXX XXXX XXXX XXXX
Issue: XXXX XXXX XXXX
Complaint_ID: Yes
Subissue:
 PA XXXX XXXX This may have been an understandable communication error or they may be calling on behalf of the debt collector JH Portfolio


Complaint_ID: Yes
Date_received:
Here is the information regarding the missed calls and no voicemails from the debt collector : Call from XXXX on XXXX XXXX


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

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


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


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


Date_received: 05/10/2016
Product: Credit card
Issue: Payoff process
Company: Discover
State: FL
ZIP_code: 335XX
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 making efforts to pay down my credit card by paying more than the minimum balance. For the last few months I have been monitoring my bills. There is a one month delay between paying down the highest balance ( cash advance ) and it appearing on the bill. When I receive the bill, I am being charged interest on the balance that is shown -- before the pay down -- and not the actual balance. I have made several calls and have confirmed that the money payed beyond the minimum charge is going to this higher balance. However, when I ask about why I am being charged interest on the amount before it was payed down, I get no clear answer and no one will confirm that the interest charged in on the new, lower balance.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: ACE Cash Express Inc.
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Documentation of loan payment was located Threating summons requests to non-associate addresses and other untimely Harassment including places of employment. Was told I would be suited that day if I did not give over my Debt Card or Bank Account Number while driving to work. These are in response to a loan collection in made in error : # XXXX [ XXXX XXXX, 2015 ] and Loan # XXXX [ XXXX/XXXX/2015 ]


Date_received: 04/29/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Clarity Services
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
This company called Clarity has obtained my social security number and submitted repeated inquries that are showing up on my XXXX report and making it hard for me to open a bank account. I have never given this company permission to do anything. I want all inquiries from this company removed from XXXX.


Date_received: 05/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: NY
ZIP_code: 117XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
equifax has my credit report all wrong and is refusing to fix it. Listed in the potentially negative is XXXX accounts that were never paid late. The credit report actually shows paid as agreed but yet they have it listed in potentially negative part of my report. These accounts should be listed in the satisfactory part of my report. Having this incorrect information reporting like this affecting my credit score which in turn is making it difficult for me to obtain credit.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: South Carolina got it
State: but it is n't stopping these companies from acting on it."
Submitted_via: Kingston Financial, LLC
Date_sent_to_company: VA
Company_response: 235XX
Timely_response: Servicemember
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
In XX/XX/XXXX or XX/XX/XXXX I had a XXXX XXXX XXXX Account ( Not sure if it was credit or checking honestly ) that was charged up by an ex. That debt was paid off in XX/XX/XXXX. Today, XXXX/XXXX/XXXX, I got a call about that debt of XXXX something dollars from XXXX XXXX XXXX who claimed to be representing Pyramid Acquisitions. This is probably the 40th call I 've received from somebody claiming to own that debt even though I paid it 12 years ago. The harassment over a paid off debt has gotten to the point that I can expect someone else claiming to own it to come up every 6 months or so. I 'm constantly having to dispute it on my credit reports, which is a pain in the rear. I ca n't keep doing this, I ca n't keep having to re-provide the same information over and over again. I do not know where " Pyramid Acquisitions '' got this phony debt.. .nor do I know how XXXX XXXX Solutions of XXXX 

Company:
 but someone needs to put an end to these kind of practices. Trying to collect on a debt that has been paid and reporting it to credit bureaus way past the statute of limitations should be illegal. I 'm sure it probably is


Complaint_ID: Yes
Date_received:
Details : A while back I signed up for a free trial at Experian in order to check my credit. I intended for this to be a one-time thing. I assumed that -- since this was presented as a free trial -- I would not be automatically enrolled as a paying costumer at the end of the trial period. I did not pay close enough attention to the website, which did make note of this. I was enrolled as a paying costumer without my knowing, and I did not discover this until several months later. I called Experian to cancel my account and explained the situation, but Experian was unwilling to refund the amount. So Experian currently has taken {$130.00} from my credit card account, without my knowledge and authorization. ( Experian did return {$21.00}, the payment for a single month. ) I am aware that Experian said on its website that this would happen. I should have been more careful. But, in having this " opt out '' policy


Product: I was given an email address for the billing department. Upon emailing that department
Subproduct: I was told that Experian was unable to refund me the money. In response
Issue: I made clear what the nature of my complaint was
Consumer_narrative: via fax or letter. I did so
State: Experian said it was unable to refund my money. This is an outright lie. The company is able to
Submitted_via: again
Complaint_ID: Yes
Date_received:
An even more serious issue is this : Experian has willfully ignored the substance of my complaint surrounding this issue and has lied to me about it. After speaking over the phone with a representative of Experian

Subissue:
 and I explicitly asked to be put in touch with whomever did have the authority to refund my money. I was then given instructions for soliciting a refund through Experian 's Consumer Relations Group

Company_public_response:
 and I made it clear that I had already been made aware that the "" free trial '' needed to be cancelled to avoid being charged but that the substance of my complaint was that this sort of practice was purposefully manipulative to me as a consumer and - so I argued - illegitimate. In response

Company:
 Experian 's Consumer Relations Group simply refused to address my actual complaint and instead just repeated what I already knew ( and had already made clear that I knew in my message ). Furthermore

ZIP_code:
 but the individuals whom I contacted ( the officers of Experian 's Consumer Relations Group ) simply are refusing to do so. ( Perhaps the company will argue that saying one is "" unable '' to process a refund is simply a polite way of refusing to do so. But


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: VA
Subissue: 229XX
Company_public_response: Consent provided
Company: Web
State: 04/19/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Along with this message I am uploading copies of my e-mail exchange with Experian 's billing department and my exchange with Experian 's Consumer Relations Group."


Date_received: 05/14/2016
Product: Debt collection
Subproduct: Medical
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: Northwest Collectors Inc.
State: IL
ZIP_code: 601XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A collection agency keeps reporting a collection account on my credit report which does not belong to me.


Date_received: 04/25/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/25/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
For the second time in 6 months, my Bank of America account has been compromised. My purse was stolen out of my car XX/XX/XXXX. My account was compromised at the time but Bank of America put an alert on my account to ask for verbal password for bank center transactions. I closed that account and just opened another one. On XXXX XXXX, 2016, someone was able to use only my ID and with draw {$1300.00} from my bank account. Usually I 'm asked for XXXX forms of ID ( ID and bank card ) when I make a drive thru transaction. Furthermore, if my account has an alert on it then the culprit should 've been asked to provide the verbal password. It was not provided. The bank manager was very rude and was not accepting responsibility for their lack of securing my account. I honestly feel like it 's an inside job at this point because they wo n't give me the contact to their regional manager to discuss the issue. I should have switched banks after the first incident but I thought the matter had been resolved. Six months later and here I am going through this again, and this time the bank associate ( s ) are very rude and not helpful at all.


Date_received: 04/26/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: we heard nothing from the new mortgage company. I was able to create an account and log in
Company: and even view how much my monthly payment was and make a payment
State: but nothing more - no statements
ZIP_code: bills
Submitted_via: or other communications other than a XXXX form every year. Furthermore
Company_response: and each time they apologized and send they would send them immediately ; however
Timely_response: they never did."
Complaint_ID: Seterus, Inc.
Consumer_narrative:
Our mortgage was with XXXX until 2014, when we were informed that our loan had been sold to a different company, Seterus , Inc . This did not surprise me as our mortgage had been sold several times in the past. However, after an original " welcome packet '' from Seterus

Date_sent_to_company:
 they have never reported any of our ( timely ) payments to the credit agencies. ( XXXX always did. ) I did call Seterus repeatedly to request statements


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: OR
Subissue: 970XX
Company_public_response: Consent provided
Company: Web
State: 04/04/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Seterus, Inc.
Date_received:
It is very apparent that Wells Fargo would rather foreclose on the home than provide assistance. There is no tangible reason for Wells Fargo to REFUSE to review the COMPLETE package that was there on time. Wells Fargo is discriminating against the homeowner based on his age, race, ethnicity, marital status. We are demanding a fair review of the file or XXXX XXXX will assert his legal right and name Wells Fargo defendants in civil court.


Date_received: 04/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: DC
ZIP_code: 200XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have XXXX student loan accounts with XXXX. I did not realize that payments started on them because the notifications were going to a former email address and I began to accumulate late payments. When I pulled my credit report and saw the payments, I contacted XXXX and spoke to them about removing the late payments. I updated my email account and my loans are currently in forbearance. I asked them how soon would my credit report update the current statuses of my loans and they told me that since it 's updated on my loan accounts immediately that my credit reports should update as well. I took no chances so I printed XXXX copies of all XXXX accounts along with a credit dispute form and a letter requesting an immediate update of my accounts and certified mailed them to XXXX, XXXX, and Equifax. Within 10 days XXXX app notified me that my accounts were updated on XXXX, and XXXX, but not Equifax. So I called the company and got connected to a very rude agent. He pulled my name and verified that all my documents were in their system. Again, Equifax has my proof that my XXXX student loans are no longer reflecting as late. The agent proceeded to tell me that they are waiting for XXXX to confirm that my accounts are no longer showing late balances. I called XXXX and they told me that they did their part and Equifax has the power RIGHT NOW to update my account. I feel like I am being victimized by this company because I did everything to rectify the situation and if XXXX and XXXX updated my credit reports with NO PROBLEMS, why ca n't Equifax do the same? I have the certified green card with the company stamp as proof that they received my updated information.


Date_received: 04/19/2016
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: AL
ZIP_code: 354XX
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 wish to report fraudulent activity committed by Bank Of America. In XX/XX/XXXX I received a FHA loan and financed my home through Country Wide Home Loans. In XX/XX/XXXX I refinanced my loan through Countrywide which lowered my interest rated from 6.95 % to 5.75 %. Countywide went out of business and my Mortgage was sold to Bank of America onXX/XX/XXXX. It was still a FHA loan and maintained the same interest rate. In XX/XX/XXXX I filed Bankruptcy and only added two late house payments. I continued to make my regular payments XXXX to BOA until XXXX/XXXX/XXXX during which time my payments went from XXXX-XXXX. XX/XX/XXXX BOA sold my loan to XXXX XXXX Loans with the same interest rate but unknown to me it was Transferred from a FHA loan to a Conventional loan. On XX/XX/XXXX my Bankruptcy ended and on XX/XX/XXXX I filed for a Harp Loan. I was contacted by Harp Loans and informed that in XX/XX/XXXX when BOA sold my loan to XXXX XXXX Loans they fraudently reported to FHA that my house had been forclosed on and collected money from FHA and XXXX XXXX loans for my home. I currently reside in my home, it has never been in forclosure, and I continue to make my payments to XXXX XXXX Loans and they are up to date and current.


Date_received: 05/09/2016
Product: Credit card
Issue: APR or interest rate
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: NY
ZIP_code: 104XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016, I paid my Sears account and was told by the automated attendant that the bill would post the following day. The following day came and went and I spoke to a Supervisor named XXXX who indicated that it was Citibank 's policy to hold the money for an additional 7 days and that I would not have access to the money until the XXXX of the month. I believe that this is fraudulent since I would never be able to catch up on the bill if they hold the money for 14 days. Furthermore, this allows finance charges and the like to accrue without payment. This is against the law. I believe this policy needs to be investigated.


Complaint_ID: Yes
Date_received:
PayPal closed my dispute without resolution and by making deceptive statements. I never was able to claim my money that was transferred which is the root of this complaint. PayPal called me once on a Saturday and left me a message. I was not able to retrieve the voicemail until the following week upon which I learned PayPal closed my dispute via snail mail two days after the left me a voicemail. They never emailed me ( my preferred method of contact as previously told to them ). They also offered no explanation as to why my original two emails to them asking for help went unreturned. I was told the reason I could n't claim my money was that my cell phone number had not been confirmed. However according to the PayPal mobile app, the number is confirmed. When I log into the website, I attempt to " re-confirm '' my cell phone number and nothing happens. The PayPal website deceptively and unfairly tells me they will text my phone with a code to confirm my number but the text never comes through. I did however


Issue: PayPal Holdings, Inc.
Subissue: AZ
Consumer_narrative: 850XX
Company: Consent provided
State: Web
ZIP_code: 05/03/2016
Submitted_via: Closed with monetary relief
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Date_received:
I request that 1. PayPal 's marketing claims on their website be investigated as clearly they advertise a higher level of technology than they can deliver. 2. PayPal 's mobile app discrepancies be investigated as clearly the mobile app which I relied on provided false information regarding the status of my cell phone 3. PayPal 's complaint process be reviewed as they did not give proper time to respond to their voicemail ( 1 business day ) before closing my file and returning the money I was sent to the sender. 4. Pay Pal 's email address be removed from their site since they do not respond to emails

Product:
 it is clearly on their site just for marketing purposes to offer consumers false faith in their brand that they can email should something go wrong. At this point I believe PayPal can remedy the situation by crediting my account the amount that was lost by them."


Date_received: 05/02/2016
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: Bank of America
State: CA
ZIP_code: 921XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/2013 my credit score reflects a negative notation for late payment. I have contacted Bank of America about this issue letting them know that I had moved during that time frame and was not aware that I was late on payment. I asked for a goodwill removal which they said they could not process. Please help to remove this negative notation from my credit score. This credit card has been paid in full, and account was closed. I am trying to improve my credit score. Thank you.


Subproduct: OneMain Financial Holdings, LLC
Issue: NC
Subissue: 285XX
Consumer_narrative: Older American
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:
However, One Main has not done anything but give me a run around. XXXX refered me to them ( letter attached ) as they have no record of the lien. I have called, faxed and emailed all the documents to Main One, and XXXX. I was able to get the social security number for the prior debtor, and Main One and XXXX tell me that they can not find any record of this. If neither of them have any records, Main One should either prove that the lien is still outstanding or provide the documents to give to the DMV ( release of lien ).


Date_received: 05/16/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: The CBE Group, Inc.
State: MD
ZIP_code: 206XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Whomever CBE Group is trying to reach does not belong to the number they are calling. CBE Group calls the house several times a day. When I answer the call, they hang up without saying a word. Whomever they are trying to reach does not have this phone number or live at this address. If they do n't stop calling I will have to take further action.


Date_received: 05/12/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: BMW Financial Services
State: MD
ZIP_code: 212XX
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 requested a due date change from bmw financial in XXXX 2015. They advised that the process would take 60-90 days. My payments were set up on weekly disbursements from my bank account. Once the due date change the final payment for XX/XX/XXXX ( i believe ) posted on the XXXX day and BMW marked me as late with all XXXX credit agencies. It was to my understanding that an account had to be 31 days late to be reported delinquent with the credit bureaus. I asked them to remove the late. I have disputed it. Im trying to get the vehicle refinanced with my credit union and was told that the late from BMW dropped my scores to where they cant fund the entire deal. I need assistance as this was not intentional nor is it the standard reporting process for lending institutions


Date_received: 06/23/2016
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: NY
ZIP_code: 103XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been trying to get from Bank of America a satisfaction of mortgage from a mortgage that was paid off in XX/XX/XXXX. I originally received a satisfaction from the FDIC back in XX/XX/XXXX, but it was never filed at my county clerks office, so it still shows outstanding. LaSalle National Bank was the last bank it was assigned to. As per XXXX XXXX in the FDIC, since XXXX was acquired by BOA it is their responsibility to do so. They have refused giving different answers every time I contacted them to do it.. XXXX XXXX asked to have someone call her to get an explanation, but they refuse. I was told by BOA that XXXX XXXX has to get me the satisfaction, but they are no longer in business. When i received a letter answering my complaint to BOA they wanted a payoff, which I was able to get from XXXX XXXX in the FDIC.. After that was sent in it still was not enough.They said it wasnt paid to BOA. Of course it was n't. I have attached all the paper work from XX/XX/XXXX to XX/XX/XXXX.. The best part of this is that I found about this while I refinanced my mortgage through BOA. The title co gave an exception, that is why the refinance went through. I do n't know where else to go to get this done before I pass on. I need this satisfaction so my children call sell the home after I pass on..


Date_received: 05/08/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
For the 4time typing this ; I had XXXX judgments from XXXX that were paid in full from XXXX court.I also had a bankruptcy that was filed in XX/XX/XXXX.that was dismissed for non payment of taxes and not discharged.There might be bank accounts closed from XXXX XXXX XX/XX/XXXX.Also there might be XXXX hard pulls on my report.that were unorthoized.I did apply to XXXX XXXX for a credit card and to XXXX bank for a master cardXXXX were denied.There is no employment history since XX/XX/XXXX.There might be several late payments from XXXX from a XXXX card.There is no other information to fill up XXXX fields.


Date_received: 04/23/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: First National Bank of Pennsylvania
State: PA
ZIP_code: 163XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
my bank has sold my commercial loan denial to numerous secondary, tertiary, and worse lenders. I do not know if this is legal. can you help me?


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
ZIP_code: and ( 2 ) and another advising me that the hold could not be removed at all. In the meantime
Date_sent_to_company: which I view as predatory. The XXXX check that I deposited is not a personal check
Company_response: it is from a nationally recognized organization. Also
Consumer_disputed: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Complaint_ID: Wells Fargo & Company
Consumer_narrative:
My complaint is against Wells Fargo Bank, with which I have had a checking account since it took over Wachovia 's banking operations. On XXXX/XXXX/XXXX, I made a deposit of a {$690.00} check from my Roth IRA account with the XXXX XXXX XXXX XXXX ( XXXX ), and I have deposited my Roth IRA checks into my account on numerous occasions and the funds have always been available as these checks have always cleared. My checking account was overdrawn at the time, and I deposited this check as soon as I received it. The bank placed a hold on {$490.00} of this deposit, leaving my account still overdrawn by approximately {$50.00}. I was advised that the hold was place because I had repeated overdrafts in the last six months. The reason for such overdrafts is that in XXXX, I signed up online at the Wells Fargo website for what I thought was overdraft protection, and since then Wells Fargo has paid any checks or debit card transactions that I have made without having sufficient funds in my account for a {$35.00} fee for each such transaction, which I thought was part of the overdraft protection arrangement. When this hold was placed on my account on XXXX/XXXX/XXXX, I questioned Wells Fargo about my overdraft protection and I was advised that I had instead signed up online for " overdraft services ''

Company_public_response:
 which unbeknownst to me differs from overdraft protection and which was not explained at the Wells Fargo website. Wells Fargo 's marketing of its overdraft protection at its website was confusing in this regard. Had I known that at the time

Company:
 I would have proceeded differently and made sure to enroll in the actual overdraft protection ( which I have now done by telephone ). And when I questioned the bank further about this hold and advised the bank that I have several pre-scheduled and authorized payments ( debits ) which will come out of my account during the period of the hold

State:
 I have received different answers : ( 1 ) one advising me that I must go to a Wells Fargo Bank branch in order to get the hold removed

Submitted_via:
 such pre-scheduled payments have started to reach my account and I am being assessed an overdraft fee of {$35.00} for each such transaction. I view this as an excuse on the bank 's part to continue to collect the overdraft fee of {$35.00} while the {$490.00} remains in hold status

Timely_response:
 I work for a municipality and my paycheck will be direct deposited into my account on XXXX/XXXX/XXXX and I am afraid a hold will be placed on that deposit as well. I would appreciate any assistance you can provide to me in getting the hold removed if possible."


Date_received: 03/01/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: OneMain Financial Holdings, LLC
State: VA
ZIP_code: 222XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/30/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Citi settlement agreement in the amount of {$3400.00}. CitiFinancial withdraw from my XXXX checking acct of {$3000.00} on XXXX/XXXX/XXXX with the understanding that Citi would withdraw {$160.00} for 3 months to pay remaining balance of XXXX. They withdrew the first payment of {$160.00} from my XXXX acct on XXXX/XXXX/XXXX. I received a refund check from Citi on XXXX/XXXX/XXXX stating in the memo that the acct was paid out. XXXX XXXX contacted me from Citi in regards to this acct and I faxed her all my documents and I did n't hear from Citi financial anymore. All of a sudden I began receiving phone calls from XXXX XXXX ( OneMain Financial Collection Agent ) and I explained my case and submitted the same documents and heard nothing from OneMain. OneMain then sold the acct to another collections agency by the name of XXXX XXXX which was requesting that I pay the full amount of {$3400.00}. I submitted the same documents to XXXX ( XXXX XXXX agent on XXXX/XXXX/XXXX ). I then contacted CitiFinancial to obtain a refund of the money that was withdrawn ( {$3000.00} ) from my XXXX acct and they indicated that they had no information in their system in regards to my acct or any money paid to settle this debt. I have tried on multiple occasions to resolve this issue and everytime I submit my documents.. the acct is then sold to another agency. CitiFinancial refuse to refund the money I paid them neither acknowledge the fact that I paid the acct was paid out ( stated in the refund check from Citi Financial on XXXX/XXXX/XXXX ).


Date_received: However
Issue: OneMain Financial Holdings, LLC
Subissue: SD
Consumer_narrative: 571XX
Company: Consent provided
State: Web
ZIP_code: 05/03/2016
Submitted_via: Closed with non-monetary relief
Date_sent_to_company: Yes
Company_response: No
Complaint_ID: Yes
Product:
 I received the attached offer in the mail - which looks very much like a "" check '' - and am concerned not only about the protection of my financial identity but also about others who may have also received this solicitation."


Product: the rep told me that during the modification
Complaint_ID: Yes
Date_received:
Forced placed insurance was recently put on by Caliber in early 2015, after which I called them and told them about the problem. They admitted their error and insisted that the loan had to be " modified '' in order for the forced place insurance to be removed. Even though I volunteered to make my monthly payments as usual


Date_received: I was sent statements and began to make payments when my loan was modified after XXXX 2015. However
Subissue: Caliber Home Loans, Inc
Consumer_narrative: CA
Company_public_response: 945XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/16/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Product:
 on recently checking my credit report I found that Caliber has marked me 90 days late from XXXX 2015 on my credit report. I have brought this issue up with Caliber recently

Subproduct:
 unfortunately their loan modification department replied that they had accurately reported the account as late on my credit report."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Synchrony Financial
Issue: PA
Subissue: 191XX
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
More importantly, I 'm in the process of purchasing a home, and I 'm unable to get my preapproval letter due to this status ( it dropped my credit score close to XXXX points ).


Date_received: 05/05/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: TX
ZIP_code: 753XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Back in XXXX I got a letter from the Department of Human Services telling me that when I submitted for my kids XXXX my information was breached. I immediately have a previous ID theft alert ( from another information breach ) updated with all XXXX credit reporting agencies. In XXXX I got something from Homeland security telling me the same thing because I am a FEMA certified adjuster. I sent a copy of this item also to the agencies. I found out ( When I was trying to get a mortgage that I was turned down for due to these inaccurate items ) that all three agencies allowed XXXX other items that were fraud on my credit file for 8.5 years instead of 7 and there are countless inquires and medical bills that reoccurs on my credit. Every time I write in concern of the inquires I get a letter back telling me that these items will remain 2 years even though I sent in proof that they were fraud. I also sent in proof of my XXXX insurance dating back to XXXX and all of the invoicing associated with my plan for those years as proof that the medical items that were on my report were fraud because they didnt match any of the visits under my itemized plan. I keep getting letters back from the agencies saying that the items were verified and will remain. I called the creditors and asked what documents they sent the agencies so that I can get a copy for the police. They told me that they only sent over itemized invoices with not signed documentation. I called and wrote the agencies asking them how can they dismiss my proven legitimate documents over invoices from a creditor. Still the items were allowed r=to remain. Not only these items but the inquires also are bringing my scores all the way down. Even my XXXX daughter XXXX XXXX XXXX XXXX/XXXX/XXXX Has bills on her credit file starting from when she was only XXXX and they were allowed to remain. My son XXXX XXXX XXXX/XXXX/XXXX has a medical debt on his also ant it was allowed to remain as well. They are both under my plan and has been since XXXX and prior to that they were on XXXX ... They were part of the initial fraud alert back in XXXX. I am asking that your agency help us with these issues. Thank you so much for your time and consideration. I am attaching a copy of my identity as well as the identity for my XXXX children as proof. I an working storm claims so I dont have a copy of the letters from DHS or FEMA on this computer but they should be easy to obtain by your agency. Also the credit agencies has a copy from back when I mailed them to them.


Date_received: 03/28/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Merchants Credit Bureau, Inc.
State: FL
ZIP_code: 335XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Merchants cb XXXX claims i owe XXXX have disputed many times this debt. I have requested documentation of original debt have never recieved proof of this original debt exept the bill i owe them which doesnt prove this debt is mine


Date_received: 05/12/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Problem with fraud alerts
Company: Equifax
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
MY IDENTITY WAS STOLEN SO I PLACED A FRAUD ALERT ON MY FILE. NOW I AM UNABLE TO OBTAIN ANY CREDIT BECAUSE THE TELEPHONE LISTED ON MY FILE IS WRONG AND THE CREDITORS ARE NOT ABLE TO CONTACT ME TO VERIFY MY IDENTITY. I HAVE TRIED UNSUCCESSFULLY TO CORRECT THE WRONG TELEPHONE NUMBER.


Date_received: 04/09/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: I disputed this with the credit reporting agencies
Company: BofA responding saying that was correct. I sent them a certified letter
State: letting them know that they are reporting incorrect information
Submitted_via: in XX/XX/XXXX
Date_sent_to_company: I told them
Company_response: thats false
Timely_response: i closed it in XX/XX/XXXX. We have gone round and round
Complaint_ID: and in XX/XX/XXXX i was not informed they closed the account
Consumer_narrative:
In XXXX I defaulted on a Bank of America credit card, which caused my promotional rate to sky rocket to the default rate. I contacted BofA and asked them what my options were to get the rate lowered, they told me I could opt out, that would close my account and look in a lower rate until the balance was paid. I agreed to do that. A few months ago i pulled my credit report, I see that BofA is reporting " account closed by creditor ''

ZIP_code:
 they responded saying they are not. I called and spoke to someone that told me my account had been closed by the creditor

Consumer_disputed:
 they claim they have done XXXX investigations and found that they in fact closed it in XX/XX/XXXX. Well I was either mislead in XX/XX/XXXX or im being mislead now


Date_received: 05/11/2016
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: Citibank
State: CO
ZIP_code: 801XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Citi closed my credit card account without warning. Customer service said they could not tell me why my account was closed and I had to write directly to Citi Bank. I wrote Citi Bank asking for an explanation and for them to reinstate my account. They responded via mail quickly, but the said they would not reconsider their decision but still would not offer an explanation for why my account was closed. As of the final billing cycle, I had accrued {$150.00} in cash back rewards and Citi deems these points to be forfeited due to the status of the account. If I had been warned of a shutdown, but did not heed the warning, then I could understand the forfeiture. However have my account was always in good standing and involuntarily closed by Citi without warning and my earned rewards involuntarily forfeited without explanation. This is not acceptable. Citi earns money per each transaction and promises rewards on these transactions to their consumers. If I had known I would not receive rewards for these transactions I would have taken my business to a competitor instead. Citi may have chose to cut ties with me, which is their right, but to not pay the accrued rewards I earned is extra revenue to Citi, directly at my expense. I sincerely ask Citi to pay the rewards due to me and to reconsider my business.


Date_received: 05/11/2016
Product: Credit card
Issue: Other fee
Company_public_response: but still a per cent fee on each foreign transaction. This is DELIBERATELY misleading
Company: as some cards actually do NOT have foreign transaction fees."
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: Citibank
Submitted_via: IL
Date_sent_to_company: 615XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/11/2016
Consumer_narrative:
I am a Citi Cards card holder. I received a solicitation stating " No foreign transaction fees on purchases ''. This then apparently meant only that they were charging a fee in U.S. Dollars


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company: Diversified Consultants, Inc.
State: MD
ZIP_code: 216XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX account was opened in my name for a residential line. XXXX XXXX XXXX is holding me liable and mentioned that this is a billing issue. After several calls back and forth I have not had a resolution and am still being held liable. This issue has started since XXXX of 2015.


Date_received: 04/08/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't get flexible payment options
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: Sallie Mae
State: TX
ZIP_code: 752XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
After my daughter left college in XXXX 2015, she began to receive a bill from Sallie Mae in XXXX. Fresh out of college, she was working part time but the bill she received was for XXXX. She immediately reach out to them for Income based payment. We have both completed financial states and they refused to adjust her payment. I asked several times for options and they refuse to give any. They told her her account would have to go to the delinquent status before they could offer options. After 30 days late, they called again and she requested options but to no avail. They call 7 days a week sometimes up to 6 times a day with no resolution. They refuse to give a direct number for contact. I finally got a direct phone number and have left over 6 messages to the person they told me could handle the account. They are refusing to talk to me now because I told them the calls are being recorded but yet they reserve the right to record on their end. When I call, they tell me that they can not speak to me because they are not giving me permission to record their phone call and they hang up. Someone accepted a pmt arrangement and deducted the 1st pmt from her account only to call back a week later and said the pmt arrangement was denied. Now they wo n't take our phone calls.


Date_received: 05/15/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Rash Curtis and Associates
State: NV
ZIP_code: 891XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There is an account purchased by a company called Rash Curtis & Associates from XXXX. I disputed this item with both the original creditor and the collection agency. This account was opened in my name fraudulently. When the company verified this account, there was no association to my social security number, driver 's license, or address. It just has a name that is close to mine. This company is refusing to follow the laws by removing this unverifiable, fraudulent account. I have contacted the original creditor, XXXX, and XXXX, said that there is no account opened using my personal identifying information. This account was opened in a different state and an address that I never lived in. The only thing that links this account to me, is a similar name. The person who opened this account has the same first and middle name as me, but a different last name. I sent this company and the original creditor proof of my residence at the time that this account was opened, a fraud affidavit and a dispute letter stating that this account was opened by identity theft. They are refusing to close this account and to stop reporting this account on my credit report. According to the original creditor, this account was opened and defaulted in XX/XX/XXXX. They are reporting this account as opened in XX/XX/XXXX to attempt to re-age this account. I have disputed this account with this company several times, explaining that this is not mine and since insist that my personal info was used to get this account, I filed a police report. I am preparing myself to bring civil charges against this company. I meet with an attorney tomorrow because they have violated the law and have caused me to be denied credit for a refinance which has caused me a financial hardship. I plan to bring suit to this company. I recently presented this information to the bureaus and am awaiting a response.


Date_received: 05/04/2016
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: Barclays PLC
State: SC
ZIP_code: 295XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
barclaycard locked me out of my account this morning for my security i know my mothers middle name now they have my username and password on screen so nobody has to steal it right there i want it repaired now it is bad anyone can log in and there it is


Date_received: However, Midland did not do this. Rather, they simply re-reported the debt as " paid
Complaint_ID: Yes
Product:
 '' which still leaves their prior negative information on my credit reports and negatively effects my credit scores. I was very specific in my request


Date_received: I feel as if Midland simply told me something to get me to pay an account
Subproduct: so this should not be hard to establish."
Subissue: Encore Capital Group
Consumer_narrative: FL
Company_public_response: 338XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/03/2016
Date_sent_to_company: Closed with non-monetary relief
Company_response: Yes
Timely_response: No
Complaint_ID: Yes
Product:
 and had no intention of honoring its agreement. I am aware that Midland records all of its phone calls


Date_received: 03/18/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Company: Weltman, Weinberg & Reis
State: AL
ZIP_code: 352XX
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 keep getting calls from the collector of my student loan, Weltman Weinber & Associates, at very inconvenient times, before XXXX on weekdays. I have filed a complaint with them before through the Ohio XXXX and they had agreed to stop the calls. However ; their calls continue to be placed very early in the morning. I want this level of harassment to stop and to communicate with them only through mail at this time.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Experian
Issue: CA
Subissue: 920XX
Company_public_response: Consent provided
Company: Web
State: 05/09/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
In addition, you report that my oldest account is only 1 year and 4 months old. This is absolutely inaccurate, too. Please contact XXXX XXXX Bank and they will tell you that I opened an account with them on XXXX XXXX, XXXX. This is almost 2 1/2 years old.


Date_received: 05/01/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Don't agree with fees charged
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Navient Solutions, Inc.
State: WA
ZIP_code: 986XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was enrolled in XXXX XXXX for the XXXX semester of 2015. I was found ineligible for the XXXX and financial aid was declined so I had to drop out of my classes and leave school. I am now being told that the loan was paid and I owe the money. My transcripts will prove I did not attend school during this time and I would like to see what recourse I can take against XXXX XXXX because since they have reported me as being delinquent I my credit score has began to decline and It has lessened my financial capabilities.


Date_received: 05/04/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Select Portfolio Servicing, Inc
State: KY
ZIP_code: 404XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2016 after checking my credit report, I realized that there was an error on my credit report. Select Portfolio Servicing, Inc. had attached a debt to my credit report which did not belong to me. The debt actually belonged to my father who has the same first and last name as me. I contacted SPS in XXXX to correct the issue and made them aware that they had illegally obtained my Social Security number and attached it to my fathers debt. My father also contacted them to make them aware of the error. SPS mailed my father the appropriate forms to verify his identity and he completed the forms and returned them. He also attached copies of his drivers license and Social Security card to confirm his identity. SPS will not acknowledge these complaints or receipt of the forms mailed in by my father. Additionally, SPS will not admit fault for illegally obtaining my Social Security number and attaching it to this debt. For the past several weeks I have contacted SPS nearly every day by phone and have also contacted them in writing to resolve this issue. I have recently been denied a home loan because of this error on my credit report. SPS has made no effort whatsoever to resolve this issue and now I will soon be homeless because I sold my home and was unable to obtain financing to purchase a new XXXX.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company: OneMain Financial Holdings, LLC
State: NJ
ZIP_code: 088XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have a personal loan with One Main Financial in the XXXX, NJ location. I have asked them in the past ( request sent and verbalized to XXXX at the XXXX, NJ location in XX/XX/XXXX to refrain from calling me at work as I can not receive personal calls ). During this time XXXX assured me my work number had been removed from the account and I 'd no longer be contacted. Recently I missed my XXXX XXXX XXXX payment and informed XXXX and XXXX with One Main Financial that I would be out of work on temporary XXXX XX/XX/XXXX. XXXX stated he would notate my account. Yesterday XXXX called my cell phone from XXXX. She called my work # from the same phone number mentioned but did n't say anything. And then placed another call to my work number again leaving another message. I called XXXX back after being notified by my coworker a bill collector named XXXX called from One Main Financial. I was also forwarded the voicemail. I called XXXX with my husband on the line. I asked why did she call my work number when XXXX was informed in XX/XX/XXXX/XX/XX/XXXX to remove my work number. She replied, I just left a message stating her name and number. I told that was not true that she did mention the name of the company and this is how it was confirmed as a personal matter - not work related. XXXX replied, oh yes I did call but I do n't see where your work number was removed/flagged. After discussing the status XXXX said there was a flag on my account but it was done incorrectly. I explained XXXX was previously notified of this and my simple request was not being adhered to and it 's off putting. I explained to XXXX XXXX did n't have any money to make a payment as I 'm waiting for my XXXX payments. She stated she needed a payment because I had to be out of work for 30 days and not eligible for the insurance I pay for instances such as mine- temporary XXXX. She also stated she did n't want this to go into another month because she did n't want to go into what will happen. I felt threatened and even more XXXX while trying to recover from XXXX. I explained I would be out of work for a minimum of 8-10 weeks. Said she would make some paperwork out to me but I needed to pay at least {$260.00}. I have XXXX XXXX medical conditions and do not need additional XXXX. I was embarrassed as now my personal business has been exposed by this happening. It truly needs to stop!


Date_received: 05/16/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Diversified Consultants, Inc.
State: AL
ZIP_code: 352XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Checked my credit report to find Diversified Consultants trying to collect on some old wireless phone bill. Consumer was never notified about this account ; just placed on my credit report willy nilly. I do not owe this company anything, and how is it that a debt collector can just place inaccurate information on credit reports.


Date_received: 05/02/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: CA
ZIP_code: 955XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went to make my mortgage payment on XXXX XXXX, 2016 on ditech.com on XXXX XXXX, 2016. My XXXX payment was due and my XXXX payment just came due. I was not able to make a payment for XXXX I was only allowed to make the entire payment for XXXX and XXXX. When I called their number to make the payment no one was available there was only an automated attendant and I was routed to voice mail. I tried to make the XXXX payment with their pay by phone but I was given no option to only pay XXXX, I had to pay the entire amount. I waited until today XXXX XXXX, 2016 at XXXX PST to make my payment and called them. The first call I went through all the prompts and was disconnected. The second time I called I spoke to XXXX, she took my payment for XXXX. I asked her why I was not able to make the XXXX payment on-line and she said because the entire amount was due. We argued about what was due. She said in the future I will only be allowed to pay the amount due on-line I will not be able to make a payment for only past amount due. She also stated they will charge {$19.00} for a phone payment and {$10.00} for an automated phone payment. She was not sure if the automated phone payment would only do a past due amount.


Date_received: 04/08/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: AR Resources, Inc.
State: FL
ZIP_code: 333XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Repeated calls and states I have a debt. Will call at work, cell phone for work and home phone not stop fromXXXX to XXXX. Need to stop the calls and send me a letter instead


Date_received: 05/08/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Byrider Franchising, LLC
State: VA
ZIP_code: 224XX
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 had a vehicle financed with CNAC ( JD Byrider ), I requested that they pick up my vehicle in XXXX 2013 around the XX/XX/XXXX. They did n't come to pick up the vehicle until about three weeks later.


Date_received: 03/18/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't temporarily postpone payments
Company: AES/PHEAA
State: AL
ZIP_code: 352XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Student qualifies for temporary hardship forebearance as stated in American Education Services ( AES ) policies that allows 24 months in three-month increments. Student has applied for three 3-months and approved immediately. Student applied back in XXXX XXXX, 2016 for the fourth due to a mix up in the application form. Student applied electronically this time as suggested by AES ; however, student did not receive notification of the receipt until XXXX XXXX, 2016. Student called and inquired, immediately, upon receipt because loan is due XXXX XXXX, 2016. Student called again this a.m. to inquire about the approval and was told that XXXX XXXX ( provider ) noted it was still in review. XXXX XXXX is using delay tactics in order to force payment from students that are clearly in hardship and, eventually, student loan default. In the past this process only took one day to complete.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Transworld Systems Inc.
State: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Received a letter from Transworld Systems which claimed I was delinquent in paying the XXXX XXXX of XXXX. As I had never received a bill from the XXXX XXXX and was not aware that I owed money for any goods or services I contacted XXXX who said that no bills had ever been sent to me and that Transworld was contracted to help their billing office send bills on open accounts. XXXX XXXX verified that my account was not delinquent as I had never been asked to make payment. In spite of this, Transworld claimed I was delinquent on my account which was untrue. Further, Transworld employee, XXXX XXXX, was rude and refused to answer my questions concerning Transworld 's relationship with XXXX XXXX and refused to acknowledge that there was not a delinquent debt.


Date_received: 05/13/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ATG Credit, LLC
State: NC
ZIP_code: 272XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/2016 the company listed in the attached letter showed up with collection amount in my credit report. Since I had never had contact with the company I did n't know ( and I still do n't know ) the reason for the collection account. I called the company asking for a verification of the debt and instead I received a collection letter asking for payment but no validation of the debt. I sent the company a letter requesting verification of the debt. To this day they have not responded to my request. In addition, the company is not legally authorized to collect debts in North Carolina.


Date_received: 05/12/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Complaint_ID: Yes
Consumer_narrative:
TO WHOM IT MAY CONCERN : EQUIFAX continues to violate the Fair Credit Reporting Act willfully by not removing an erroneous Tax Lien showing on my personal credit report. I have written them by US Mail twice and they STILL continuously fail to address the situation. I called them and their call center has no receipt of the letter. I also sent the same letter several times by fax with all my information on it and have given them over 30 days to " receive '' the fax. I have contacted the IRS for their advice and they have informed me the best step is to file a Lawsuit to have this erroneous tax lien removed from my credit report. As the IRS stated


Complaint_ID: Yes
Date_received:
I NEED THIS DELETED IMMEDIATELY. EQUIFAX IS NOTORIOUS FOR RESPONDING BY RE-INVESTIGATING AN ITEM WHICH IS UNACCEPTABLE. THEY HAD THEIR TIME TO INVESTIGATE AND IF THEY REPLY BY JUST "" REINVESTIGATING THE ITEM BY ELECTRONICALLY DOING AN XXXX ELECTRONIC INVESTIGATION ''


Date_received: 05/12/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: Equifax
State: MI
ZIP_code: 493XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I ANTICIPATED THIS RESULT FROM EQUIFAX AND I 'VE BEEN THERE BEFORE WITH THEM BECAUSE THEY DO N'T SEEM TO THINK THEY HAVE TO ABIDE BY THE LAW TO ISSUE MY OR MY WIFE 'S REPORTS. I HAVE TO GO THROUGH THIS PROCEDURE EVERY TIME I ORDER OUR FREE REPORTS FROM EQUIFAX. I SUPPOSE XXXX AND EXPERIAN WILL DO THE SAME AFTER EQUIFAX CONTINUES TO GET AWAY WITH THIS VIOLATION, HOWEVER, I HAVE NO ISSUES WITH THEM AT THIS TIME.


Date_received: 04/29/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: DE
ZIP_code: 199XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Unauthorized cash withdrawal was taken from my credit card account. I reported the fraudulent activity to the credit card issuer and the charge is still showing on my account. The bank is Braclaycard and the case number is XXXX.


Date_received: 05/16/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: IN
ZIP_code: 474XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ocwen Financial keeps claiming they have not received proof of insurance on our property. However, our insurance company has sent them proof via mail AND fax four times ( and they have n't submission confirmations for the faxes ). I have called Ocwen three times now and each time they say they do not have proof of insurance. I received certified mail from Ocwen today, saying this is the final notice before they purchase force placed insurance. This is extremely frustrating, as proof of insurance has been sent to them so many times over the last few months. Given Ocwen 's notorious history of fraud and abuse over the last three years, I would n't be surprised if Ocwen is intentionally " not receiving '' homeowners ' proof of insurance in order to make some money off the force placed insurance."


Date_received: 03/22/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Can't repay my loan
Subissue: Can't decrease my monthly payments
Company: AES/PHEAA
State: FL
ZIP_code: 334XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/22/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I pay XXXX per month for my loans. I can not afford this. The lender initially helped with income repayment and will no longer assist what so ever.


Date_received: 05/11/2016
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: The CBE Group, Inc.
State: NY
ZIP_code: 100XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
As you will see on the attached documentation, I have requested on 3 occasions the documentation to verify the accuracy of the debt that they are requesting me to pay for. The services were cancelled as of XXXX/XXXX/16. However, the statement received has billing showing XX/XX/2016.-XX/XX/2016. It does not state anything but a prior balance and a statement balance. Requesting to verify a debt means that the debt must be verified with accurate backup details, providing statements is not providing satisfactory documentation. I have escalated this issue to the parent organization, as well as the attorney generals office due to the neglectful actions and response received from the CBE Group thus far.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 900XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
There is a eviction notice in my record. I am placing a compliant about misinformation on my record that the eviction should have been removed. I have attached documents on the case where the records indicate that the case has been dismissed and should have never been in my record. Please contact me as soon as possible. I 'm in the middle of relocating to a new home however this issue is with holding me from proceeding.


Date_received: 05/07/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: KY
ZIP_code: 410XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
We have a mortgage with Ocwen. Our mortgage, with escrow payments, was {$1100.00} per month. They undercharged us on our escrow, and now, suddenly, they want {$1500.00} per month to make up the difference. This is a substantial change that significantly reduces the affordability of this mortgage and, potentially, could result in any consumer 's being thrown into the realm of possible default. Is this a scam, or what?


Date_received: 05/16/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Threatened to take legal action
Company: ACE Cash Express Inc.
State: CA
ZIP_code: 927XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX accused my father of being senile and not remembering walking into a loan company and taking out a loan. They threatened to take him to court and spoke to me abusively and disconnected the call. When I explained this was a mistake and not to accuse my father of something he did not do, the representative said my father was guilty until he can prove he did n't take out the loan. I was also accused of crying, which I was n't. The representative spoke over me, made threats and hung up. My father is XXXX years old, but not senile. However speaking to a person with such tactics would very likely cause harm to my father 's health.


Date_received: 05/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Select Portfolio Servicing, Inc
State: CA
ZIP_code: 923XX
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 applied for assistance in saving my home with my servicer, SPS. I hired an attorney to help me submit my paperwork to my lender. My attorney confirmed SPS received my full and complete application and all financials and that my loan was under an active review for loss mitigation ( Loan Modification ) as of XXXX/XXXX/2016. My attorney again spoke with SPS on XXXX/XXXX/2016 and confirmed my loan was still under an active review. I was previously denied for a loan modification and my appeal was closed on XXXX/XXXX/2016, however SPS told my attorney that another review was open and they were working on it starting immediately after my last application and appeal were denied on XXXX/XXXX/2016. On XXXX/XXXX/2016 my attorney spoke with SPS and confirmed my loan has been under an active review without pause since XXXX/XXXX/2016 and is still currently under review and awaiting a decision. My complaint is that SPS via XXXX XXXX XXXX, recorded a Notice of Default against my home on XXXX/XXXX/2016??? According to my attorney : RESPA Reg x ( 1024.41 ) states no foreclosure action shall be ordered while a homeowner is under an active review for loss mitigation assistance. It appears SPS allowed XXXX XXXX XXXX to order ( start ) foreclosure against me while I am under an active review ( DUAL TRACKING ), my foreclosure process. Another complaint I have is that they have had my application with everything they would need to make a decision since XXXX 2016. They keep stalling, evading making a decision in order to dual track my foreclosure process and then leave me with no alternative once my time runs out and I am foreclosed. I am told they are required by RESPA to make a decision in 30 days or less. Instead they are making up excuses and dual tracking me and after XXXX/XXXX/2016, THIS MONTH, I will face a Notice of Sale. I feel this is not only wrong, but something the DUAL Tracking laws and RESPS Reg X was supposed to protect me from. My attorney states SPS acts as a co-conspirator for the investor of my loan in evading, stalling and dual tracking me PURPOSELY in order to block me from getting help before it 's too late. PLEASE STOP this very bad servicer from hurting me and everyone else they do this to. It 's unethical and apparently illegal!


Date_received: 05/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Contacted me after I asked not to
Company: Transworld Systems Inc.
State: CA
ZIP_code: 925XX
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 do n't know what the calls are concerning as I do n't owe any debtors other than those debts that are active and payments current. I have repeatedly requested Transworld Systems, Inc/XXXX XXXX - XXXX XXXX to stop the phone calls to my employer. Since my first request on XXXX XXXX via fax to the Transworld they have repeatedly ignored my four ( 4 ) faxes to stop the phone calls and since the initial fax I have received over XXXX XXXX documented phone calls to my employer. It 's threatening my employment as my duties are to answer phone calls. I want the calls to stop and Transworld to provide written documentation of the debt. To date no correspondence has been forwarded to my mailing/home address to dispute the claim. I need assistance immediately to have the phone calls cease to keep my job.


Date_received: 04/14/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company: Citizens Financial Group, Inc.
State: NY
ZIP_code: 113XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Citizens bank promised a {$150.00} bonus for opening the account and completing the requirements. I have completed the requirements many months ago and the bank refused to pay the bonus.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Skagit Bonded Collectors, LLC
State: WA
ZIP_code: 982XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
A collection agency in XXXX XXXX Washington named SB & C never contacted me that I had an account that was referred to them, they say they called and sent a letter but I never received either. After 30 days of it being in collections they filed a lawsuit against me. When my wife was handed the paperwork she notified me. I called SB & C and told them that they never contacted me and they said that the lawsuit is their attempt to contact. It cost me {$680.00} to pay off a {$350.00} medical bill. I was never notified of a court date, so I missed it. How can a collection agency sue someone without prior contact regarding my account being sent to them. I feel as if the whole thing was a huge con. They would not provide proof that they had contacted me other than just saying that they had. This happened last year but I did n't know I could file a complaint till now. Their tactics are completely unfair and I do n't see how it can be legal to do what they did to me. Any help or information regarding this would be greatly appreciated.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: R.A.Rogers, Inc.
State: VA
ZIP_code: 221XX
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 have asked R.A Rogers Inc to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 02/01/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Ally Financial Inc.
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have XXXX finance loans on my account for auto loans from XXXX XXXX that I never applied for or authorized. I never needed an auto loan because I purchased a used vehicle with cash. I have an inquiry from Ally Financial Inc that I never authorized. I have an inquiry from XXXX XXXX. I have an inquiry from XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX XXXX that I did n't authorize. I have an inquiry from XXXX XXXX XXXX that I never authorized. I have an inquiry from XXXX XXXX XXXX that I did n't authorize. I would like to dispute all the above names from these credit agencies as I did n't give any of them the permission to access my credit therefore putting these hard inquiries on my credit report which will damage my credit.


Date_received: 03/26/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: GA
ZIP_code: 303XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
After multiple requests to cancel pmi, Wells Fargo refuses to act. Our home mortgage is less than XXXX % LTV of original purchase price and original loan prior to streamline refinance was originated in 2004. Wells Fargo is also unwilling to allow a new appraisal.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Credit card
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Commerce Bank
State: AZ
ZIP_code: 857XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Company sent out a 50 % settlement offer for the full debt XXXX XXXX. I sent a check back with the amount, {$560.00}, and the company accepted it only as a partial payment, claiming they had no record of any debt negotiation. I thought I had made a mistake in the process, so I did nothing. Company again sent a 50 % offer for the remaining balance, so I was more diligent in sending the acceptance quickly and sent them a check in the amount of {$280.00} with the enclosed offer. Company again accepted it as only a partial payment, not an acceptance. When I called to inquire, Company told me that sending in a check did not constitute acceptance, and that I had to actually confirm the acceptance over the phone. My issue : sending in the checks unequivocally constituted an acceptance of the offer and were conditional on the settlement of the debt. Company is negotiating in bad faith and making up their own rules of acceptance. Offers never said anything about being conditional on further negotiation or acceptance over the phone, only that the checks would have to be received by a certain time.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: CA
ZIP_code: 923XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
theres a inquiry for XXXX XXXX on my credit report, i did not authorize the use of my social security to this company nor I interested in this company.


Date_received: 06/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: TX
ZIP_code: 774XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/09/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have submitted several disputes and letters to Transunion regarding inaccurate information they are reporting on my credit file for XXXX and XXXX XXXX XXXX Credit Card. I have sent them proof from my bank showing timely payment being made on both accounts going back to 2015 yet they have n't responded to any of my letters. The inaccurate information has caused my credit score to drop and I want it removed ASAP!


Subproduct: Transworld Systems Inc.
Issue: FL
Subissue: 334XX
Company_public_response: Consent provided
Company: Web
State: 05/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
When I collected this last payment I was not employed by anyone. This debt collection should cease immediately.


Date_received: 04/29/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Settlement process and costs
Company: Quicken Loans
State: MI
ZIP_code: 480XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 'm having extreme difficulty with Quicken Loans 's unscrupulous business practices & breached or lack of commitment to what has been promised in terms of rates/costs for a potential refi in process.


Complaint_ID: Yes
Date_received:
Navient indicated that they had every right to alter my accounts, even though XXXX XXXX had given me an administrative forbearance, which has no time limit, when I returned for XXXX from XXXX to XXXX rather than the requested in-school deferment. I might add that this was confirmed by me via a phone conversation with an account representative when I left XXXX in XXXX. XXXX XXXX acknowledged those loans were in forbearance during the time from XXXX to XXXX and that it would not effect my 48 months of in-school deferment if I should choose to return to school at a later date. But Navient went as far as to state to me that the original letters from XXXX XXXX, saying those loans were in forbearance, " did n't mean what they said '' and that Navient had changed the accounts for that time period to an in-school deferment status despite the agreement between me and XXXX XXXX because it was an "" error ''. Please note that according to both XXXX XXXX and Navient forbearances and in-school deferments are not interchangeable. Also there is a clause in the promissory notes that address error issues called the Correction of Error clause and by altering any documents regarding my loans is a breach of that clause and the promissory note


Complaint_ID: Yes
Date_received:
Navient 's consumer advocate later told me that the reason I was placed in repayment was that I had previously used the in-school deferment time before XXXX. I confirmed with her that she was stating that in-school deferments are started after the loan is issued and before XXXX


Complaint_ID: Yes
Date_received:
Navient also contacted third parties about these loans and even referred to themselves as "" XXXX XXXX ''. They even threatened my cosigner of XXXX of the XXXX loans until she started paying them and attempted to discuss my other loans with her even though she had no connection to them. They even threatened me stating they would report the other loans the cosigner was not connected to


Date_received: Navient has sent XXXX loans to the collection agent
Product: XXXX XXXX XXXX XXXX XXXX for collection. Navient has blatantly disregard FTC
Subissue: Navient Solutions, Inc.
Consumer_narrative: NY
Company_public_response: 128XX
State: Consent provided
ZIP_code: Web
Submitted_via: 05/16/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Subproduct:
 FDIC and New York State rules and conducted unethical and potentially illegal practices in an attempt to commit fraud."


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: CA
ZIP_code: 921XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My husband and I applied for a Loan Modification at XXXX XXXX XXXX because of health/medical bills, etc. We were never late or failed to make payments. After speaking with multiple supervisors they instructed us, against our wishes, to stop making payments 2 times in order for our Loan Modification to be approved. My attorney instincts kicked in and I said I did n't trust it because I did n't want to be reported negatively on my credit report. They repeatedly told me it would not affect my credit report and they would not negatively report us. I said I wanted that in writing, which I got the supervisor to write me via email stating that. I thought that should be good enough. Then I recently checked my credit report and of course one of the only negative ( and now my only negative reporting as my other one from a credit card have been fixed ). This makes me furious that they specifically told me not to pay which did not sound right but I listened to them because it had been over a year trying to get our Loan Modification approved. I then did a dispute with XXXX and they said they wo n't change it which is crazy since I gave them all the documentation including the email from XXXX XXXX XXXX. I will pursue this to the end as it is wrong and I consider it to be fraud.


Subproduct: PayPal Holdings, Inc.
Issue: IL
Subissue: 600XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
This complaint is also being submitted to other governing authorities and I will be seeking arbitration at Paypals cost if they choose again not to resolve this case.


Date_received: 05/02/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
ZIP_code: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Submitted_via: Citibank
Date_sent_to_company: GA
Company_response: 300XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
In XXXX 2015, I called to change my account type to a " Basic '' checking account. I experienced a job loss

Company_public_response:
 and I was no longer able to meet the direct deposit requirement for a fee waiver. The representative performed the switch to a "" Basic '' account which would lower the monthly service fee from {$25.00} to {$12.00}. This change was not actually performed

Company:
 and I have been charged the {$25.00} fee for five months. The bank refuses to credit me for the five month period of fees

State:
 despite having no activity on the account. I 'd like a refund of the {$65.00} in additional fees charged due to the bank 's error. ( 5 months x {$25.00} ) - ( 5 months x {$12.00} )"


Subproduct: AmeriHome Mortgage Company, LLC
Issue: CO
Subissue: 816XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/27/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
10. To date, neither legal counsel or borrower has received acknowledgement of the notice of error or a written response to the XXXX XXXX, 2015 notice of error. Amerihome failed to remove the adverse 30 day late XXXX 2015 payment for 60 days following Borrower 's notice of error.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: IN
ZIP_code: 462XX
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 satisfied my obligation to the IRS in full now. My local County Recorder 's office continues to report an OPEN IRS tax lien. I provided the Recorder with the attached satisfaction letter, and they refused to report the IRS 's lien as satisfied. I asked for a copy of the lien they were reporting, and was refused. I was told they had no obligation to provide me with a copy of that lien. I have sent a copy of my credit report ( also attached ) to the IRS - asking that they update their reporting ( showing satisfaction ) to the County Recorder 's office - but have not seen a response.


Date_received: 04/13/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Using a debit or ATM card
Company_public_response: the truck was running
Company: but had numerous problems. The shop replaced the battery twice before the truck would start. Then
State: even though the engine was running fine
ZIP_code: when I turned the key to the ignition "" off ''
Submitted_via: the engine continued to run. I immediately returned to the shop
Timely_response: XXXX mile trip from XXXX
Consumer_disputed: Texas to the XXXX XXXX
Consumer_narrative:
In XXXX, 2015, I was traveling, via my personal XXXX camper, through the remote XXXX XXXX, inside the XXXX XXXX, when I experienced loss of oil pressure that resulted in my engine seizing. My vehicle was towed to the nearest village of XXXX, XXXX, where the only garage in town told me they could replace my engine with a " salvage yard '' engine that was in good shape. I agreed to the replacement and price. When I returned to claim my truck over a month later

Date_sent_to_company:
 and ask them why this was happening. I was told by a mechanic that my truck had "" gremlins '' in it. He told me I would have to open the hood and remove the ignition relay to get the engine to stop. Next

Company_response:
 I saw the headlights remained on even though the key was "" off '' and the ignition relay was removed from the fuse box under the hood. The mechanic advised me I would also need to disconnect the battery each time I stopped so the various electrical connections would not drain my battery. I protested that none of these symptoms existed at any point of my 7 month

Complaint_ID:
 where my engine failed. Again he blamed it all on the "" gremlins '' and said they had replaced the engine


Date_received: Though there was a blinding snow storm
Product: and temperatures in the XXXX
Subproduct: I decided to set out on the long drive back to XXXX
Issue: Texas
Consumer_narrative: I smelled a burning smell
Company: I walked to the next small village along this desolate road
ZIP_code: the XXXX of XXXX XXXX. In XXXX
Date_sent_to_company: along with the salvage engine in XXXX. This garage showed me the parts inside the transmission
Company_response: and the seal between the engine and transmission was not new
Subissue:
 in hopes I could at least get far enough before anything happened that I could have better options for help. Before I even got out of XXXX I noticed the engine RPMs were too high for each gear shift of the automatic transmission. Within XXXX miles of XXXX

Company_public_response:
 and the transmission refused to engage even though the engine was running fine. In a blinding snow storm

State:
 and found someone with a truck to tow me into town. One week later I was able to charter a flatbed truck passing down the road on its way to XXXX

Submitted_via:
 I found a qualified mechanic to troubleshoot the myriad problems with my truck. The mechanic used a XXXX code reader to determine all XXXX trouble codes were linked to a faulty transmission - a faulty transmission that had been replaced

Complaint_ID:
 where my engine failed. Again he blamed it all on the "" gremlins '' and said they had replaced the engine


Date_received: Upon returning to XXXX
Product: I contacted my bank
Subproduct: Wells Fargo
Subissue: the Wells Fargo Claims Center engaged in series of extremely frustrating communication
Consumer_narrative: involving many form letters sent USPS to an address where I no longer live
Company_public_response: despite my repeated requests to communicate through email. Each form letter said the same thing
ZIP_code: and
Submitted_via: while they replaced the engine as requested
Date_sent_to_company: they also replaced my perfectly good
Timely_response: Wells Fargo ruled against me."
Complaint_ID: Wells Fargo & Company
Issue:
 and disputed this payment to the garageman in XXXX. I was given a temporary credit for the roughly {$3700.00} USD. Over the next several months

Company:
 and advised me to call the claims center. Each time I provided them with the documentation they requested

State:
 including a letter from the garage in XXXX that verified the work done in XXXX was not what I requested

Company_response:
 recently rebuilt transmission with a faulty transmission that was attached to the rear of the salvage engine ( presumably because they could not extricate the transmission from the salvage engine ). After months


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Caine & Weiner Co. Inc.
State: NY
ZIP_code: 114XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is the second time company put negative info on my credit report. This debt is not mine even the collection representative cold not validate this debt. This company cost my business loan rejected because of this.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Credit Bureau of Bessemer, Inc
State: AL
ZIP_code: 357XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked CB Bessemer Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 04/14/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company: Discover
State: FL
ZIP_code: 334XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016 I received an email that my computer was infected with a virus and I needed to pay to have it fixed by XXXX. I used my Discover card to pay before I realized it was a scam. On XXXX XXXX, 2016 while I was trying to resolve the issue I was transferred to XXXX because they said I needed follow up work. I paid {$240.00} to XXXX account with the same discover card. I did not give them the XXXX digit security code on the back of the card. Neither company did anything but place viruses on my computer. I contacted viruses on my computer. When I contacted Discover on XXXX XXXX, 2016 to report the fraud, they said they would investigate the first incident on XXXX XXXX, 2016 and would credit my account for the {$310.00} payment to XXXX XXXX XXXX, but refused to take action to investigate or refund my money for the XXXX incident on XXXX XXXX, 2016. I called Discover again on XXXX XXXX, 2016 to dispute the charge to XXXX XXXX.


Date_received: 04/28/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: FL
ZIP_code: 339XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ocwen has not properly reviewed as my loan modification. The form was filled out XXXX XXXX, 2016 and my Attorney or myself has had no response from Ocwen


Date_received: 05/03/2016
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: VA
ZIP_code: 237XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have been banking with wells fargo for 3 years, A few weeks ago a friend wrote me a check to help me pay off some debt, Its still unclear where the error was made but the check was referred to maker. Once my friend found out the check returned, i was given the cash I got to the bank to deposit the money and my account is frozen and referred to the fraud dept. This scared me because i 'm a hard working citizen and committing fraud it not something I do. So i call the fraud dept and i get the run around form many different reps saying how it could be corrected, One representative said i needed a letter from my friends bank stating why it was referred to maker. while other representatives and me to do other things the didnt get the hold removed from my account, during this time i have received fees for items that came back returned because i was unable to put the cash into my account. Wells fargo is saying they will close my account, and use the money in my saving account to cover it. This has been a disaster no access to funds, no banking account or access to my secured credit card.


Date_received: 05/10/2016
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: VA
ZIP_code: 236XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am filing this complaint because Experian has ignored my request to provided me with the documents that the company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30-day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA - they are required to " promptly delete all information which can not be verified '' that I have disputed. Please resolve this matter as soon as possible. Thank you"


Date_received: I sent a e-mail
Subproduct: New York .They have not responded. In Addition
Issue: I 've requested the Title Insurance Binder {$150.00}
Subissue: Mortgage Insurance {$920.00}
Complaint_ID: Yes
Product:
 fax and certified letter to XXXX XXXX XXXX to omit the Security Deed from the Real Estate Division of XXXX XXXX


Product: paid in full and discharged. I want all payments returned to me as quickly as possible Again
Complaint_ID: Yes
Date_received:
I need to obtain a copy the title certificate from XXXX 1999 thru present. My records indicate from the Satisfaction of Mortgage that the loan was not assigned


Date_received: 04/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: go ahead. '' It is important to note that when the account was closed
ZIP_code: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Submitted_via: First National Bank of Pennsylvania
Date_sent_to_company: PA
Company_response: 171XX
Consumer_disputed: Consent provided
Complaint_ID: Web
Consumer_narrative:
First National Bank took over Metro Bank. Due to the level of customer service I received, I made the decision to close my account. Prior to closing my account a recurring payment caused my account to be overdrawn, to which I was charged substantial fees. I went to the bank in person on XXXX XXXX, 2016 and closed the account. The account was brought to a zero balance. Without my knowledge or consent, on XXXX XXXX, 2016, the account was reopened due to a recurring payment of XXXX. Now, as of XXXX XXXX, 2016, my account has a negative balance of {$68.00} due to overdraft fees, many of which are being charged every three days. I was not made aware that this would happen nor that they even reopened my account, so how would I have known that I was even overdrawn and that fees were being applied? This is unfair and deceptive to myself and other consumers. I called to speak with a manager located at the XXXX XXXX branch in XXXX, PA, who was very snippy with me even when I said that I would be filing a complaint with the CFPB ; her response was " If you feel the need to do so

Company:
 I was never made aware to cancel my recurring payments. I assumed that like other companies ( Such as XXXX )

State:
 I would receive an email stating that my payment information needed to be updated. Never did I imagine that a closed account would be reopened without my knowledge."


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_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Debt Recovery Solutions, LLC
State: PA
ZIP_code: 191XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Debr Recovery Solutions, LLC of XXXX XXXX, XXXX XXXX, XXXX NY XXXX. XXXX, continues to attempt to collect a debt for a landline phone number XXXX from XXXX that we never had installed at our residence.


Date_received: 04/29/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Collection Consultants of California
State: CA
ZIP_code: 924XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
I checked my credit report and saw a {$250.00} collection from Collection Consultants from XXXX. I called XXXX and I guess there was a mistake with the billing as I was covered at the time. XXXX confirmed these would be taken care of and the collection would be recalled from Collection Consultants and deleted from my credit reports. As of today, it is still there. I contacted Collection Consultants who told me I need to pay them. XXXX has confirmed these are closed and recalled from the agency and would be deleted from my credit reports.


Subproduct: JPMorgan Chase & Co.
Issue: NC
Subissue: 280XX
Company_public_response: Consent provided
Company: Web
State: 04/04/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
5. By breaking the Home Mortgage Disclosure Act 6. By breaking my XXXX XXXX XXXX of XXXX 7. By XXXX.


Date_received: 05/16/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Debt Recovery Solutions, LLC
State: MD
ZIP_code: 207XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
DEBT RECOVERY SOLUTIONS , LLC, XXXX XXXX, XXXX, NY XXXX : ( XXXX ) XXXX is reporting a {$0.00} balance on for an account # XXXX on my credit report that has already been paid to XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, PA XXXX, XXXX for the same account. The account with Debt Recovery Solutions was disputed with XXXX as not belonging to me as the debt has been paid. The amount on the report was {$600.00} and was updated to {$0.00} but still remains on my report. It is incorrect to for the Debt Recovery account to remain on my credit file as this debt was never paid or owed to them.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Called after sent written cease of comm
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: PA
ZIP_code: 152XX
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 am delinquent on Bank of America Credit card by many months. My husband is XXXX ill and after being told by XXXX he had XXXX, I quit work as an XXXX to care for him, XXXX years ago. I did not expect this and expected to return to work long ago. I have placed him in a home a few weeks ago and plan to return to work soon after I get personal affairs dealt with. I have filled out their form on their website filling in financial info for delinquent accounts telling them everything I have including income, debts etc. I have written to them asking for written communication only. They simply wrote back and said " We need to speak with you. '' They still continue to attempt to call XXXX or XXXX times every day."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: CA
Subissue: 925XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 04/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
We can afford this house, there is no reason why Wells Fargo can not help us. Wells Fargo has been have been very difficult to work with. We have been trying to get a resolution since early XXXX. We would greatly appreciate your assistance.


Date_received: 05/09/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ERC
State: GA
ZIP_code: 300XX
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 have asked Enhanced Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/15 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: SunTrust Banks, Inc.
Issue: GA
Subissue: 301XX
Company_public_response: Consent provided
Company: Web
State: 06/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have been given the run around. I call the fraud department ( which is outsourced to XXXX ) and am told to go to my local branch. I go to my local branch and told to contact fraud. I ask if I could speak with an investigator I am told no. They can not call the investigator just contact that person through the case. There is a disconnect here and it is not fair to victims like me and my son. I did a police report and the tape was pulled at XXXX where the criminal purchased a money order for {$1700.00} which showed who purchased the money order and it was not me or my daughter. The fraud department said they have 10 business days to investigate the case. This is unacceptable. I am demanding me and my son 's funds released to us immediately. Also I want my name cleared of any fraud due to this account. I did an affidavit with SunTrust based on what my daughter XXXX XXXX told me happened but she has lied and changed her story several times. I need this resolved as soon as possible as this caused a financial hardship on my son XXXX XXXX and XXXX. The thing that frustrates me when I myself make purchases that are out of character Suntrust would freeze my card. I tried to purchase a pair of shoes at XXXX XXXX for {$80.00} they blocked my card but yet you let a {$2400.00} deposit go into a minors account and let funds withdrawn at XXXX XXXX less than a day the funds were deposited and that does not raise red flags. I want my money back from SunTrust immediately by me going to the branch and close the accounts and get me and my sons funds and fraud to removed under my name as my career is in finance and can hinder me getting a job in finance elsewhere. There should be someone locally in the United States at SunTrust that I could talk to in reference to this account.


Date_received: 05/08/2016
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: Experian
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Can not receive my free credit report online. I am only able to purchase for a fee. They are requesting validation of identity to provide the online report even though I can purchase it without the validation. I have made online disputes to credit report and they respond to the online dispute, they just will not provide the free report without red tape and delay which causes me to not access the free report. They are using this tactic to make money off of me, in violation of my FCRA rights. This happens every year.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company disputes the facts presented in the complaint
Company: FirstSource Advantage, LLC
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:
On XXXX XXXX, 2015, I disputed this debt through XXXX Credit Bureau. See Attached Since it was verified I requested what documentation was used to verify such debt. And requested through debt collector what contract does it have assigned to them. This fraudulent attempt to collect a debt should be removed immediately.


Date_received: 04/30/2016
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: U.S. Bancorp
State: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I 've been with us bank for some while now. And, per my opening of my account I 've opted out of over draft protection. A couple of times, they 've had to refund me money because somehow unexplainable its been put on and off. So, a couple days ago from this notice here. I was charges a overdraft fee. Telling me I went in the negative when.certain checks went through. Ok, they could not prove it. My account went in the negative from what I seen, when they charge me overdrafts when I should n't have. So, when my other transactions came in, the money was n't available. So, that 's when I was in the negative. Then I 've been cashing my dads checks for a while. Now since I 've made a complaint. I go to withdraw. Branch manager XXXX located in XXXX, I 'll. Tells me I could n't cause they have no proof the check was endorsed. Well why is it, and others cleared. I can use my card. But ca n't withdraw now?. She made all the running around the answer. I need to file a complaint and get all the money back I 've been charged..


Date_received: 05/03/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: I was unable to speak with anyone there either."
Company: Company believes complaint represents an opportunity for improvement to better serve consumers
State: Homebridge Financial Services, Inc.
ZIP_code: NC
Submitted_via: 282XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/03/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I received a letter dated XXXX/XXXX/16 from HomeBridge Financial Services ( actually received the physical letter via mail on XX/XX/XXXX ) stating my loan was sold AGAIN ( this is the 3rd time my loan has been sold in less than 12 months ) to XXXX XXXX XXXX effective XXXX/XXXX/16. However, I have auto setup for my payments at HomeBridge that has been transferred on XXXX/XXXX/16. When I attempted today ( XXXX/XXXX/16 ) to call XXXX XXXX, to explain that I have n't received a loan package yet and the payment had already been made to HomeBridge, I was unable to physically talk to anyone without a Loan # but did hear a recording that " if I was calling regarding loan transfer - it would n't be completed until XXXX/XXXX/16 ). I then tried to call HomeBridge and every time I entered my Loan # and last XXXX digits of SSN the call was disconnected. Therefore


Date_received: 04/18/2016
Product: Credit card
Issue: Closing/Cancelling account
Company: Capital One
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
was told on hold on XXXX/XXXX/XXXX. on XXXX XXXX XXXX saw my credit report I was 90 days late and owed XXXX dollars. called was told they would call back XXXX hours. wrote called 4 more times. sent payment. requested account be closed in XXXX and XXXX/XXXX/XXXX. they refuse transfer my call 3 times an hour later they claim they will call me back .will not close account, give me my balance or send me a statement. please HELP.


Date_received: 04/07/2016
Product: Credit card
Issue: Transaction issue
Company: JPMorgan Chase & Co.
State: AR
ZIP_code: 851XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
In XXXX XXXX we paid our motorcycle and truck insurance to XXXX using our BP XXXX Credit Card. This card was closed in XXXX XXXX because XXXX was selling it 's BP cards to Synchrony on XXXX XXXX, XXXX. We moved from XXXX to XXXX in XXXX XXXX and cancelled our XXXX insurance coverage. These refunds were sent back on our closed BP Card. WE HAVE NOT RECEIVED THESE REFUNDS AS OF YET. I have been in contact with XXXX and XXXX several times since then to find out what happened to our refunds. XXXX has maintained from the beginning that they sent the funds on XXXX XXXX, XXXX and have not received them back. Before they can reissue us a refund in check form they need a proof of returned disbursement along with a reference number. XXXX has provided me with documentation proving that the transactions have been sent and confirmed by the bank. XXXX has stated several different things. First that Synchrony would have the funds. A XXXX representative and myself have checked several times with Synchrony and we do not exist in their records. The above stated account was closed prior to the migration so they would not have any information on us. Plus, all that XXXX had was our old account information, nothing for Synchrony ( routing number, etc. ). I have been told by XXXX that they returned the refunds to XXXX but they can not prove it. They know this because this is what always is done to transactions for closed accounts. I have also been told that my account has been purged and that they do not have any records of this account anymore. As of now, XXXX has provided documentation that the refunds have been sent and that they have not been returned to them by XXXX. XXXX has stated that they can not find these refunds and to have XXXX refund us.


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company: The Huntington National Bank
State: IN
ZIP_code: 462XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX/XXXX/XXXX signed mortgage papers for {$12000.00} with Huntington Bank. The note was reaffirmed on XXXX/XXXX/XXXX. The loan has since been paid off and the account closed. However there is still a lien on my home and no one at Huntington Bank will take responsiblity for correcting the problem. They have admitted the note is paid but for some reason they do not know how to request the release on a mortgage that was paid off years ago. The latest person I spoke with ca n't find a record of the loan.


Date_received: 05/02/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: payment history
Company: billing summaries
State: and legal acquirement of debt from the original creditor
ZIP_code: XXXX. This follow up letter was sent on XXXX XXXX
Date_sent_to_company: 2016
Complaint_ID: Encore Capital Group
Consumer_narrative:
Midland Funding filed a lawsuit against me for an alleged debt of XXXX for an original creditor of XXXX. They have yet to validate the debt to me. In response to my original request for validation of debt sent XXXX XXXX, 2016 certified mail, a company by name of XXXX has responded to me and state that they represent Midland Funding in the suit. I never authorized Midland Funding to share any correspondence that I sent to them with any other company. They also have shared my personal identifiers such as social security number as it was listed in the request for validation letter that I sent them. The company XXXX has stated that they " verify '' that the said collection debt is mine because they received a default judgement on the suit -- all which I am currently fighting through a motion to vacate due to their error in not properly notifying me with a summons and complaint copy of the civil suit. I have sent a follow up letter that demands that Midland Funding verify debt with a signed contract

Submitted_via:
 2016 and they had until the allowed 30 days per FDCPA from the original request for validation which would have been XXXX XXXX

Company_response:
 but I have yet to receive any debt validation. I am requesting that Midland Funding either agree with my motion to vacate the default judgement or file their own motion to vacate based on all the above described. Additionally all three of the credit agencies

Timely_response:
 XXXX have found the Midland Funding un-verfiable and have in turn deleted the inaccurate reports that Midland Funding had placed on all three files."


Date_received: 05/02/2016
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: Fidelity National Information Services, Inc. (FNIS)
State: FL
ZIP_code: 331XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hi, My name is XXXX XXXX, I have an account with XXXX XXXX XXXX XXXX. I have been disputing with them because on NUMEROUS Fees which I was never made aware of nor are they written any where. About 2 months ago I went through some financial hardship and my account Overdrew. I became very busy looking for a new job and did n't when until I began getting statements and constants calls from Chexsystems about owing them more than {$1000.00}. Whem I looked at my statements I was being charged redicoulus fees. I was allowed to continue using my card and for example, I spent {$1.00} in parking and they charged me {$180.00} as an over Draft fee and like that many more. I never agreed to such Bullying. Now I cant open an account in any other bank ( I have the letter ), my credit is being affected. I have to do everything in cash, which is almost impossible in this era, They are ruining me and bulling me by reporting me to such an agency and paralyzing my life financially. I am trying to buy a car to take my kids to school and me to work and I cant. I have been on public transportation due to this mess. I need this removed from my consumer report and resolve this issue immediately. Please Help Me. XXXX XXXX


Date_received: 04/30/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: BB&T Financial
State: TX
ZIP_code: 750XX
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 brought a car from XXXX XXXX in XXXX, Texas in XXXX, 2011 I found out my company had lost the contract at XXXX and I was GOING TO OUT OF WORK. I contacted the dealership and told them that I could not afford to pay for the car, they told me to contact the dealership. call Regional Acceptance CO a week after I brought the car and tried to explain to them my dilemma. They tried to talk me into keeping the car, and finally decided to come to my home and pick it up. I will be a first time home buyer and thgis is stopping me from purchasing a home. CAN YOU PLEASE HELP ME?


Date_received: 05/12/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: TX
ZIP_code: 774XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This case was disputed but should n't have disputed this account on my credit report. I asked Equifax to remove the dispute off my credit report. But they will not remove the dispute after I have paid the account in full and in good standings. The account on my credit report is XXXX XXXX account # : XXXX


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Medical
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Sentry Credit, Inc.
State: WA
ZIP_code: 980XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Attempted to contact Me at my brothers job stating they are collecting a debt for child support and after further investigation by myself and phone calls I had found out that was untrue sentery credit and XXXX XXXX XXXX constantly harrass my mother and brother also when I contact them they are extreamly rude and refuse to send me copys of what ever debt they say I owe I have been trying to dispute this with XXXX.


Date_received: 04/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: MD
ZIP_code: 207XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
My TransUnion credit report presents with ( XXXX ) addresses that are not mine : XXXX XXXX XXXX XXXX XXXX XXXX & XXXX XXXX XXXX XXXX, XXXX XXXX. I have repeatedly requested that these addresses be removed and they have not been removed as of yet. In addition, TransUnion reports the following information that does not belong to me : 1- XXXX XXXX XXXX, XXXX, XXXX/XXXX/XXXX, {$940.00} 2- XXXX, XXXX/XXXX/XXXX, {$0.00} 3- XXXX XXXX, XXXX/XXXX/XXXX , {$110.00} 4- XXXX XXXX XXXX, XXXX/XXXX/XXXX , {$0.00} 5- XXXX XXXX XXXX, XXXX/XXXX/XXXX , {$8500.00} 6- XXXX XXXX, XXXX/XXXX/XXXX, {$89000.00} 7- XXXX XXXX, XXXX/XXXX/XXXX, {$1900.00} 8- XXXX, XXXX/XXXX/XXXX, {$89000.00} 9- XXXX XXXX, XXXX/XXXX/XXXX, {$110.00} 10- XXXX XXXX, XXXX/XXXX/XXXX, {$3500.00} 11- XXXX, XXXX/XXXX/XXXX, {$4000.00} 12- XXXX, XXXX/XXXX/XXXX, {$350.00} 13- XXXX, XXXX/XXXX/XXXX 14- Judiciary PG Court, XXXX/XXXX/XXXX, {$170.00} 15- XXXX XXXX, XXXX/XXXX/XXXX, {$420.00} 16- XXXX, XXXX/XXXX/XXXX, {$590.00} Please remove these items


Date_received: 05/02/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Credit decision / Underwriting
Company: HSBC North America Holdings Inc.
State: OH
ZIP_code: 454XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My husband and I are trying to refinance our mortgage with XXXX XXXX XXXX XXXX. Beneficial who now holds the mortgage is refusing to send XXXX XXXX a 12 month payment history even though I 've never missed a payment. I think they are doing this on purpose so they can keep collecting the 8.2 % interest I am currently paying them. For 6 weeks they kept telling us they were doing it, then they said because we filed bankruptcy ( of which they were not a part of ) 5 years ago that they ca n't send the request of 12 month payment history to XXXX. This is not the first time I have had problems with Beneficial. I tried to file a complaint with the XXXX last year or year before last because they were not taking the tax payments I was making to them and applying it towards the taxes. That was never resolved.


Date_received: 05/01/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Specialized Loan Servicing LLC
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My husband and I had a mortgage loan with XXXX and a second mortgage with XXXX Mortgage. We were in our home ten years and was never late on a payment, not once. I was laid off my job of XXXX years and asked over an over again to refinance. I was told no by XXXX. During this time the payment went up over XXXX dollars because of the type of loan. That is one of the reasons we wanted to refinance the loan before this happened. We were also told you have never missed a payment so they are not going to help you refinance. We used all of our savings to keep things current. We tried next to do a modification and was told the same thing. Once they realized we were going ahead with the modification the loan was sold to SLS, than the problems really began. I started back working at half the salary so it was hard catching up. While processing the modification SLS continued to say they either did not receive documents or they needed them again. This happed every time we would send the documentation, they would say it was received to turn around and say they did not have it. This went on for over a year before they finally said no to the modification. We decided to do a short sell on the home. We have had XXXX offers. XXXX was XXXX short of what they wanted so they said no. The second was a cash offer for more than what they asked. XXXX would not agree to the short sale and kept things in limbo, meanwhile they stated they did not care if we foreclosed on the home or filed bankruptcy. The couple buying the home needed to close soon because she had XXXX XXXX. XXXX would not agree with any option that was put out there so the couple found another home. The next day XXXX called and said they would agree after we made a complaint but it was to late. A week later we received a third offer for over the amount asked. The persons buying the home ask if they can close as soon as possible ( within 45 days ) because they are closing on their home. Now SLS continues to drag and now decided they want more money. How can you keep doing this. It is as if they do n't want to really sell the home. This has gone on now for a year and a half and is affecting my health. They have not returned my calls and know that the family wants to close soon. I am not sure what to do next. We had excellent credit and always say our bills. We would like to sell the home so that we can move on. We do not want it to go the house to go into foreclosure. I will be looking for a lawyer tomorrow.


Date_received: 05/12/2016
Product: Bank account or service
Subproduct: Savings 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: Goldman Sachs Bank USA
State: CA
ZIP_code: 939XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My wife and I applied to open a joint online savings account at GS Bank on XXXX XXXX. After 3 days of not hearing from them, I called them to check status of the account opening. Representative indicated they were declining to open an account because they could not verify my wife 's identity. GS Bank did not explain why they were unable to verify the identity of my wife of over 10 years, despite us both having many other joint accounts and credit cards with other banks over the years. Representative said a letter would be forthcoming from GS Bank explaining reason for declination, however, no such letter has arrived. Having supplied GS Bank with all of our personal information in order to apply, I find it unconscionable that they can refuse to open the account, not explain why, and yet continue to keep all of our information on file. Representative indicated they would keep the information on file as a declined application.


Date_received: 05/10/2016
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: 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:
Requested a Formal Validation for XXXX A request for formal debt validation in accordance with the Fair Debt Collection Practices Act regarding the following account.


Date_received: 04/23/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Company_public_response: Company can't verify or dispute the facts in the complaint
Company: National Financial LLC
State: DE
ZIP_code: 199XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/23/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I TOOK THIS LOAN OUT AND I PUT MY MISPLACED DEBIT CARD ON AND CALLED AND PUT IT ON HOLD UNTIL I FOUND IT. THEY TOLD ME THAT ONCE I PLACE A CARD ON HOLD THE CARD WILL BE FROZEN AND SENT A NEW ONE. I EXPLAINED THAT TO THEM AND IT A XXXX CARD I REQUESTED A NEW CARD ASAP, THEY TOLD ME IT WILL COST XXXX DOLLARS. I EXPLAINED TO THE LOAN PLACE AND TELL THEM I AM WORKING ON IT THEY CALL ME EVERY DAY AT WORK EVEN THOUGH I ASKED THEM NOT TOO. THEY GOT ME IN TROUBLE ON NUMEROUS OCCASIONS.


Date_received: 04/29/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: Webster Bank
State: TX
ZIP_code: 785XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ive been trying to close my account for four months, over the phone with customer service, but they always hang up on me.


Date_received: 05/05/2016
Product: Credit card
Issue: Payoff process
State: on time ). This card has no "" grace period
ZIP_code: '' which is deceitful
Submitted_via: and relatively unusual
Date_sent_to_company: if my other cards are any indication."
Timely_response: Capital One
Consumer_disputed: AR
Complaint_ID: 727XX
Consumer_narrative:
XX/XX/XXXX, I was solicited by Capital One to consent to a pre-approved credit card, which was advertised as having " No hidden fees '' on the promotional mailer

Company_public_response:
 and in television commercials running at the time. On XX/XX/XXXX I paid my balance on time and in full ; on XX/XX/XXXX I was charged interest in the amount of {$110.00}

Company:
 which was interest from the time of the prior statement cycle to the time my payment posted ( again


Subproduct: TD Bank US Holding Company
Issue: FL
Subissue: 321XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I have called TD Bank twice and after lengthy telephone hold periods I was asked for the last XXXX digits of my social security number ( how did they get that ) and told to go to a branch office to cancel this fraudulent account. It is not convenient for me to go to a TD Branch office. Please see the attachment. Thank you very much for your help.


Date_received: 05/10/2016
Product: Credit card
Issue: Advertising and marketing
Company: Amex
State: MN
ZIP_code: 554XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I opened a Delta American Express credit card. Before I activated the account, I received a mailer offer for XXXX miles with the same credit card. I called American Express on XXXX XXXX and told them about the better offer. At that time, they promised me that they would honor the offer on the mailer ( Code : XXXX ). I called them today ( XXXX XXXX ) because they had not honored it. They said that the marketing team had decided not to honor it. I feel like I was lied to ... ( I continued to use the card assuming that the offer would be honored and I never received a notification that it would not be ) Their response after a couple of manager escalations was that they made a mistake and would not honor the offer. I therefore closed the account. I would like to ensure that I am not charged the annual fee since I closed the account within 32 days of opening it. I also want to ensure that they do not lie to future clients


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Select Portfolio Servicing, Inc
State: PR
ZIP_code: 006XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Our account had been sold to Select Portfolio Servicing, and after a single thirty day late payment. They have begun an aggressive and at times abusive campaign to seize our property. They have been offering us {$10000.00} to vacate our property. We have been receiving written harassing correspondence on a daily basis, as well as constant daily phone calls. Our original mortgage was a conventional fixed, and now they are claiming that it will be Adjusted every 5 years. This was not what we had signed up for.


Product: Company believes it acted appropriately as authorized by contract or law
Subproduct: Select Portfolio Servicing, Inc
Issue: TX
Subissue: 751XX
Company_public_response: Consent provided
Company: Web
State: 06/13/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
We currently try to get a loan modification every chance we get, and we get turned down with a letter telling us we have no loan mitigation options. Every time this happens to us, we get harassing phone calls from the servicer trying to get us to sell our home or turn our property over to them. They say that obviously the home is not affordable to us, but when we compare what is being offered in home mortgages in the market place to our situation we know that our home would be affordable if the servicer had not ruined our credit. We have now asked the servicer to comply with RESPA laws regarding answering our questions that we have asked repeatedly before. We are attaching the last letter we sent to our servicer. We waited to see if we would get response from them within 5 days regarding our Qualified Written Request before we forwarded this letter to CFPB. We hope, with help from the CFPB, we will get some results on a loan modification that will give us a payment that we can afford. We do n't care if they even raise our mortgage balance again ; we just need to have payments that we can make on time.


Date_received: 05/05/2016
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: WI
ZIP_code: 530XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
This is in response to complaint XXXX recently submitted. It is our understanding that Bank of America wants another 60 days to review and answer the complaint. We are just going around in circles without BOA answering and doing something about the original complaint XXXX. Nothing will change. They have done this in the past of wasting time with no results. We ( my wife and I ) do not want to work with BOA and instead are asking The Bureau of Consumer Financial Protection agency to step in and research this case. Like I stated before in the previous complaint, we are going to seek legal advise and another direction away from BOA. We do not want to do business with them again. How can I make it any clearer than that. BOA does not work with it 's clients in these particular cases. Consumer Financial Protection has all our documents and we hope to call them quickly to see where we can go from here. The CFP should be doing an investigation rather than giving more time to BOA because this will continue to happen. So far I 'm disappointed with the help of our government.


Date_received: 05/05/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Portfolio Recovery Associates, Inc.
State: AL
ZIP_code: 351XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Louisiana Recovery Services Inc.
State: LA
ZIP_code: 707XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Louisiana Recovery Services is reporting a collection on my credit report that I have requested on more than one occassion to be validated or more information be sent to me on this account and I 've yet to receive any correspondence. Because I am having tons of issues with billing and my I have lots of medical debts, I have no idea how to compare what they are reporting without any documentation or how to contact my insurance company about a debt they are reporting because I have nothing to go off of and no information to give to the insurance to see if it as properly claimed etc. Because this company refuses to respond they are violating the law and I am requesting the account be truly validated or removed from my credit report immediately. I mailed a certified letter on XXXX/XXXX/2016 and also XX/XX/XXXX and it 's now XX/XX/XXXX and still nothing.


Date_received: 04/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
There is a collection account on my credit report with XXXX balance from XXXX XXXX XXXX as of XXXX/XXXX/13.


Product: Company believes the complaint is the result of a misunderstanding
Subproduct: Ditech Financial LLC
Issue: NC
Subissue: 282XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 03/25/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Since our mortgage was resold to Green tree our mortgage has increased to XXXX from approximately XXXX.


Date_received: 04/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: CA
ZIP_code: 913XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I moved from XXXX to XXXX to start a business. I have never worked for this company. For the last 4 months, people from XXXX XXXX XXXX XXXX XXXX have been calling me telling me to pay them money. I have never gotten money from them. They keep telling me that I was an insurance agent for they company. I have explained to them over and over that I took a XXXX Insurance Agent test but I have never worked as an insurance agent. Today XXXX XXXX, 2016, I received an alert from XXXX that XXXX XXXX XXXX XXXX XXXX has reported an account as unpaid. I do n't know what 's going on. This company is committing fraud because I have never worked or received money from them.


Date_received: 03/16/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Southwest Credit Systems, L.P.
State: LA
ZIP_code: 710XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/18/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
Me and my Husband were with XXXX XXXX XXXX for 13 years.When we moved to our current residence our cell phone service turned into a nightmare.We were due for XXXX upgrades and they convinced us that they would fix the cell phone service, so we upgraded our phones and the cell phone service was never fixed so we switched to version after many attempts of asking them to fix the problem and it was never done.We could n't talk to Family that lives far away and I could n't take to my Husband that worked XXXX and he was also 8 hours away.


Date_received: 05/02/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: TrueAccord Corp.
State: VA
ZIP_code: 225XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have made several complaints with this office. I continue to get emails and phone calls on " debts '' I do n't owe. A request has been made to send verification of debt. I have not received anything previously requested. I do n't know if this is a scam or legitimate collection company attorney process servers. I get calls at my place of employment and on my personal cell."


Date_received: 05/17/2016
Product: Debt collection
Subproduct: I do not know
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Company: Fenton & McGarvey Law Firm, P.S.C.
State: CO
ZIP_code: 802XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My wages are being garnished for a debt that has expired statutory limits by a law firm that I have never heard of. Garnishment has never been filed with the XXXX Court as presented.


Date_received: 05/17/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: TD Bank US Holding Company
State: CT
ZIP_code: 065XX
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 have been a customer of TD Bank for a few years now. I recently learned that this bank is charging me about {$5000.00} in overdraft fees from several bank accounts that I 've had with them. Till this day I do n't have any stamens explaining how the overdraft and these accounts accured. However I also learned that TD Bank has been sued and the pass for illegally charging people overdraft fees on their accounts by we are arranging the order of transactions from the highest number to the Lowest number in order to charge overdraft fees per transaction. I recently had a account that was closed by them because they stated the account was overdrawn over {$700.00}, after the account was closed I had a deposit come in for {$930.00} which was a payment from my employer from a pension. I contacted the bank and requested to get my money from them as the account was closed I also received a statement from them telling me that my balance was XXXX on that account and they had a deposit of {$930.00} in my account. I tried speaking to a general manager at the TD Bank XXXX XXXX XXXX XXXX and he was not very helpful. also called TD Bank 's when he XXXX number at the regional office in New Jersey and the customer representative on the phone was not able to help me. I am seeking information on these accounts and have these overdraft fees wiped by TD Bank I am seeking information on these accounts and have these overdraft fees wiped by TD Bank and I am also seeking my check of {$930.00} to be returned by TD Bank to me.


Date_received: 05/17/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Transworld Systems Inc.
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Transworld Systems Inc keeps sending letters and calling saying I owe XXXX. This was paid back in XXXX and I paid XXXX. The keep calling and harrassing me even though I no longer owe anything. The letters they send out has a number that is disconnected and when they call me and ask for a manager they refuse to let me.


Date_received: 05/08/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Encore Capital Group
State: IL
ZIP_code: 629XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Midland Credit Management , Inc would repeatedly call me and also hang up on me when I would describe my current situation on why I could n't pay the full balance that day. I was trying to work out a monthly payment to have the debt satisfied. After they hung up, another associate would call me about an hour later stating that no one else called me and that I must be lying. After having 5-10 calls some days it got rather annoying. I finally got a letter from this company and I settled this account but the problem was I was trying to settle this account in monthly payments 2-3 months prior. The associates I was dealing with during that 2-3 months was rude and hard to even get my account satisfied. I believe they did that on purpose so I could n't try to get my credit back on track.


Date_received: 05/13/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company: Equifax
State: FL
ZIP_code: 336XX
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 called Equifax and they stated NO fraud alert is listed on my credit file which should not be as I never requested one be added. Again the car company pulled my credit and yes it is on there. I need help. Equifax does have the alert on my credit file


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


Date_received: 04/06/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company: Nationstar Mortgage
State: UT
ZIP_code: 840XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I filed a Chapter XXXX bankruptcy in 2010 and it was discharged. I included my house which had a XXXX and a XXXX mortgage. The XXXX mortgage was with XXXX XXXX XXXX. After my discharge XXXX XXXX XXXX sold the debt to Nationstar Mortgage. Nationstar mortgage has been reporting on my credit negative every month since the bankruptcy was discharged. I have contacted them several times and they claim they can not do anything.. even though they are breaking the law! They will not help me and this is affecting my financing. It isx erroneous and should have never been sold as it was DISCHARGED in my bankruptcy.


Date_received: 04/02/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: FL
ZIP_code: 328XX
Submitted_via: Older American
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:
I am filing a complaint against experian because I have been a victim of identity theft and filed a police report with the XXXX County Sheriff 's department on a fraudulent account that was opened with XXXX XXXX XXXX XXXX XXXX account number XXXX. This account appeared on my credit report and I immediately contacted the creditor and gave them my social security number and they were not able to locate an account. I contacted Experian and notified them that this might belong to my sister with the same name. They placed the account under dispute and they sent me a response saying the account was verified. At that time i contacted the creditor again and explained to them the situation and they looked up by my name and came across an account with the last XXXX digits of the social transposed to XXXX and mine is XXXX. I filed a police report and I uploaded the police report to experian and explained the situation to them and to please block and remove the account and the social variation of XXXX that is being used fraudulently and they have not removed the account from my file even though it is fraudulent and not even reporting my correct social.


Date_received: 05/17/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: XXXX XXXX XXXX. XXXX XXXX
State: XXXX XXXX
ZIP_code: XXXX
Submitted_via: MO XXXX. I did contact XXXX at the above noted address
Timely_response: it would seem that did not verify this account. I tried to re-dispute this online
Consumer_disputed: but it notes "" closed '' and will not let me to do
Complaint_ID: and when I call the phone number provided by Equifax
Consumer_narrative:
I disputed an inquiry for XXXX. I do not have any recollection of requesting any credit from XXXX for over two years so disputed it. The original inquiry was dated XXXX/XXXX/2015. On XXXX XXXX, 2015 I received a response to my inquiry. It noted " Inquiries are factual record of file access. If you believe this was unauthorized

Company_public_response:
 please contact the creditor. Historical account information was deleted from this account. If you had additional questions about this item please contact : XXXX

Date_sent_to_company:
 and my letter was returned as "" Not Deliverable '' from the XXXX. It seems quite clear that this is fraudulent otherwise

Company_response:
 why would I be directed to a company and address that does not exist. I would kindly request a full investigation of Equifax 


Date_received: 04/20/2016
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: SunTrust Banks, Inc.
State: GA
ZIP_code: 302XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
SunTrust Mortgage held the mortgage on my home until XXXX XXXX. An escrow account was established at closing to pay taxes and insurance. SunTrust made a partial payment on the insurance in XX/XX/XXXX, even though there were funds in the account to cover all charges. The insurance was canceled due to lack of full payment. SunTrust then sold the loan to XXXX XXXX XX/XX/XXXX due to lack of insurance. I made several calls and wrote letters to them there was never no written response. .An attorney contact them in XX/XX/XXXX on my behalf still no response.I spoke with them however, they stated they have no information on my file since it was sold. The lender placed insurance cost is $ XXXX yearly and only covers the structure. I have a 30 year fixed mortgage however the escrow has increased to over {$500.00} per month .We could loose our home due to their error. My payments have gone from {$1900.00} to $ XXXX.Desired resolution I want SunTrust to compensate me for the harm they have caused my family, I would like to be included in a class action suite against them since I got my loan XX/XX/XXXX and the interest rate is 5.8 %. My husband and I are XXXX and both had scores above XXXX when the loan was secured. I can be reached at XXXX XXXX XXXX XXXX XXXX Ga XXXX, XXXX XXXX owner.


Date_received: 04/29/2016
Product: Credit card
Issue: Late fee
Company: Capital One
State: FL
ZIP_code: 336XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/29/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Regarding XXXX payment processing, CapitalOne has a business practice, which I believe is unethical and should be illegal. I have a PDF file ( attached ) with date/time stamp from my CapitalOne on-line account records to substantiate my complaint. Specifically, when I log into the CapitalOne website to pay my credit card 's monthly bill, their website states that I must make the payment before XXXX. in order for the payment to be posted on the same day ( It used to be XXXX XXXX EST a few years ago ). Currently, this payment cut-off deadline, at XXXX XXXX is four hours before XXXX on the due-date. If a card holder ( like me ) makes a payment ON THE DUE DATE, but between XXXX and XXXX, CapitalOne sets the posting date for the following day and counts the payment as a late payment, charges a late fee, and then use this event as XXXX of XXXX allowable late payment events per year to justify raising the APR rate - significantly. This happens even when payments are made on the due date before midnight within the same timezone as the billing address ( EST in my case ). I suspect that Capital One and other card issuers are using this tactic to collect fees they do not earn and to justify raising APR rates. This practice should be illegal and must be stopped. The correct processing is that all on-line payments scheduled by XXXX XXXX of the due date, should be posted as paid on the due date and accepted as an on-time payment.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: GA
Subissue: 306XX
Consumer_narrative: Older American
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 caused none of this. I was advised to be late on my mortgage payments ; I was caught in the middle of a recession and also XXXX all in a condensed period of time.


Date_received: 05/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: OH
ZIP_code: 441XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
equifax said i have to many deliquinces i have none at all through XXXX XXXX this was the report information XXXX XXXX gave me this info on my credit when they checked foe an equuty line a credit


Date_received: 06/28/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Nationwide Credit Corporation
State: MD
ZIP_code: 210XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have called XXXX XXXX Medical Center to check if I owe anything but they confirmed all of my bills were paid off.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: RevSolve, Inc.
Issue: AZ
Subissue: 852XX
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:
I have XXXX credit score for several years and I recently applied for student loan that got denied because of this debt.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Credit card
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: Portfolio Recovery Associates, Inc.
State: PA
ZIP_code: 152XX
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 originally opened a credit card with XXXX XXXX in XXXX. The account was charged of in XXXX. On my recent credit report I see that the account was transferred to a collection agency that shows my account opened in XXXX XXXX. The dates are not accurate and the collection agency has re-aged this account according to the original creditor 's date of first delinquency.


Date_received: 04/09/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
State: Company has responded to the consumer and the CFPB and chooses not to provide a public response
ZIP_code: TransUnion Intermediate Holdings, Inc.
Submitted_via: OH
Date_sent_to_company: 441XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/09/2016
Consumer_narrative:
I sent certified mail to transunion requesting them to respond to my METHOD OF VERIFICATION FORM. I will attach a copy of the method of verification form. Transunion did not verify any of the accounts I have disputed but sent me results saying either they " UPDATED

Company_public_response:
 NEW INFORMATION '' well if there is new information who did you verbally talk to too get this new information? No documentation was mailed to me explaining who transunion contacted. XXXX is not the form of verification that I requested by law transunion has to honor my method of verification request and they have not done so. This is a copy of what the results look like : Investigation Results Current File File Number XXXX Report Date XXXX/XXXX/2016 Dispute Open Date XXXX/XXXX/2016 Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX

Company:
 OH XXXX Completion Date XXXX/XXXX/2016 Account information ITEM DESCRIPTION RESULTS XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX # XXXX DELETED XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX XXXX INFORMATION XXXX XXXX # XXXX DELETED XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX # XXXX NEW INFORMATION XXXX # XXXX NEW INFORMATION XXXX XXXX XXXX XXXX XXXX NEW INFORMATION When you see the method of verification form you will see why I am filing this last complaint before seeking legal action. This is my LAST attempt to resolve these issues. XXXX now do not even return calls so I know they was n't verified. XXXX and XXXX sent me fraud forms to fill out which I sent back already. XXXX and XXXX have not provided me with documentation with my signature on there as well so how is it that transunion have all this new information?????? I have contacted an attorney who is on standby until this last attempt is done. method of verification per FCRA Section 611 ( a ) ( 7 ) is what I requested."


Date_received: 05/13/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: The Huntington National Bank
State: IN
ZIP_code: 463XX
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 an auto loan through Huntington Nat'l Bank. The loan was opened in XXXX 2014. I carry full coverage insurance ( through private company ) on my vehicle, which Huntington is listed as lien holder, but learned today that Huntington is ALSO charging me {$40.00} per month for auto insurance. I have never missed a payment, been late nor had insurance lapse at anytime. I was informed by a Huntington representative, that that is just something they do to protect their interest. I do not understand this at all!!! My private insurance protects their interest!!! Is this legal??? Also Huntington informed me that my payoff amount is more than what the balance of the loan is. How can this be???? Every month that I make my car payment, according to XXXX, my balance is increasing {$51.00}, which is lowering my credit score! At this rate, the loan WILL NEVER be paid off. Please help me to rectify this situation. Thank you.


Date_received: 05/14/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: NY
ZIP_code: 112XX
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 would like to file complaint against Equifax , XXXX, XXXX on the improper information Serious Delinquency. The oldest account it may back to XX/XX/XXXX. From XX/XX/XXXX to Present, all accounts pay on time. How can it be Serious Delinquency? This is really unacceptable and unfair. This has to be fixed.


Date_received: 05/13/2016
Product: Credit card
Issue: Billing statement
Company: Amex
State: NJ
ZIP_code: 073XX
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 XXXX cancelled American Express Blue card accounts that have been cancelled for over 3 years. I destroyed the cards and intended to pay off the balanced. I became unemployed and in good faith sent a small payment each month. Now that I am employed I am working with a credit consolidation agency to help me pay off my debts. They requested I ibtain the XXXX digit card numbers for both accounts, Amercian Express refuses to give me the information stating that they can not do so over a taped phone line. However I am to effortlessly give my social security number over the same line. I e pressed the need to have these numbers is so I can repay my debt, however they are not cooperating. Secondly, they spent a day calling relatives and family of my ex husband to question my debt. I find this absolutely unacceptable as these are people in no way related to these account and no responsibility for them.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company: Sterling Jewelers Inc.
State: FL
ZIP_code: 342XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Called my work and my wifes work. Saying they were going to send me a subpoena, If I did n't call them with in the hour. I called them and they are telling me they are issuing subpoena to me and my wife. They claim to have sent me paperwork on this three weeks ago, I received nothing. I asked them to send me the document again they claim to not have the document anymore. They offered me a payment plan of {$990.00} on time or a 5 time payment plan of {$330.00} or they would have to send me a subpoena today. I told them to have the local Sheriff deliver it to my home address. The gentlemen got upset and hung up on me. This dept is over 12 years old and this is a third party dept collector.


Date_received: 04/02/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan modification,collection,foreclosure
Company: PHH Mortgage
State: FL
ZIP_code: 335XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
VIOLATION OF FCRA. The mortgage company PHH mortgage is incorrectly reporting our last payment date for an account that is in foreclosure. We last paid our mortgage in XXXX XXXX and have been in foreclosure since XXXX XXXX. Recently we disputed the last payment date of XXXX XXXX and the creditor reported to XXXX that this date was correct when it IS NOT CORRECT AT ALL. It has been in litigation since XXXX and we HAVE NOT PAID NOR HAVE WE PROMISED TO PAY.


Date_received: 05/17/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Ad Astra Recovery Services Inc
State: CA
ZIP_code: 928XX
Submitted_via: Older American, Servicemember
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 a Pay Day Loan with XXXX Net Pay Day Advance on XXXX/XXXX/2013 which I had been paying regularly with the help of XXXX XXXX XXXX XXXX An accounting error occurred in the disbursement of funds which was immediately corrected and the automatic re-payment continued from there on until the account was paid in full. Payment was missed only for 60 days but was subsequently paid in full. In spite of the account already had been paid satisfactorily, they continue to keep the derogatory remarks in my credit report. The collection agency had agreed with XXXX XXXX XXXX XXXX that such entry will be deleted upon payment in full. It has been more than 3 years now since the account had be paid and they are still carrying the derogatory remarks in my credit report.


Date_received: 06/14/2016
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: Bank of America
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX spoke with the relationship manger at Bank of America modification department name XXXX and I was informed all the documents were received and the sale date would be put on hold. The number the documents faxed to at bank of America was XXXX. I contacted the attorney that was handling the foreclosure was told named XXXX at XXXX. The documents that was requested to complete the modification submitted was quit claim deed since wife was not living in the house any longer. That was approved on XXXX. I contacted Bank of America and was told on XXXX that per XXXX XXXX at Bank of America that they had the incorrect address and I have been contacting them every day and no response. Now I was told that they do n't know if the house is sold or if servicing rights have been transferred. I have not received any notices. I have been defrauded out of my house and I want answers. Spoke with XXXX today and she told me at the law office that XXXX did not contact them and the confirmation of the sale is XXXX XXXX and I will be their with my documents to show the judge that Bank of America only requested the Quit Claim deed and I have proof that on XXXX confirmation for XXXX XXXX previous CFPB case number XXXX and his number is XXXX extension XXXX and has not been in contact with me for three weeks now. I was told my property went to sale on XXXX the following day of receipt of the quit claim deed request and was told the sale date was post ponded. That was not true though. My consumer protection specialist is my witness to XXXX XXXX that has been trying to help me from loosing my home. I will be court on the XXXX XXXX. Please assist.


Subproduct: Ocwen
Issue: TN
Subissue: 370XX
Company_public_response: Consent provided
Company: Web
State: 05/17/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
My mortgage was recently modified, and I made all of the payments required. Ocwen repeatedly violates the Fair Reporting Act by erroneously reporting late payments when in fact during the process of a modification payments are placed on hold. These continuous violations create a financial hardship on me and I need them to be corrected immediately to avoid any further harm.


Date_received: 05/04/2016
Product: Consumer Loan
Subproduct: Installment 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: Synchrony Financial
State: FL
ZIP_code: 327XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I took out a loan with a local merchant that used Synchrony bank. It was XXXX of those 24-month promotion loans with no interest, and if you do n't pay it off within 24 months they charge you back interest at the rate of 29.99 %. I made a mistake and thought the promotion period was 24 months, so I set up my account to pay Synchrony {$300.00} per month so I would have the loan paid off in full in 21 months ( Original loan amount {$6100.00} ). The other mistake I made was setting the auto pmt of {$300.00} and not checking my statements each month because, as it turns out, the promotional period was 18 months, not 24 months. I just discovered Synchrony posted a one-time interest charge of {$3300.00} to my account in XXXX, and has been charging me {$110.00} interest per month. While I am at fault, I just can not accept the fact that ( with 3 months left to pay on the loan ) a finance company would penalize someone like they did. I realize I signed off on the terms and conditions, but you can never fully realize the extend of the penalty until it happens. My complaint, really, is that Synchrony should be able to see my intent to pay off inside of XXXX months. Particularly since I have XXXX loans with them. XXXX loans were taken out around the same time and for the same amount. The other loan does have a XXXXmonth promotional period, and I was ( also ) paying {$300.00} per month on this other loan. Also, I 've gone through my emails ( since I have my statements set to e-delivery ) and I 'm not finding any emails from them alerting me to the end of the 18-month promotion period. What they did to me seems truly egregious and inhumane, even given the fact that I signed off of the terms. I have written and called the company, but so far have gotten nowhere with them. I 've been a loyal customer with Synchrony and their predecessor GE Capital. I 've never missed a payment and feel sick about not just what happened to me, but what they must be doing to other unexpecting customers. To me, a positive outcome in this situation would be for Synchrony to recognize my error ( thinking it was a 24-month promotion ) and retroactively adjust they terms to 24 months. If this loan was 24 months as I originally thought I would have the loan paid off next month. As it stands, I still owe them {$4300.00} due to all the interest charges since XXXX ... on an original loan of {$6100.00}. Seems unbelievable.


Subproduct: Nationstar Mortgage
Issue: GA
Subissue: 310XX
Company_public_response: Consent provided
Company: Web
State: 04/08/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
He called them asking for a DEED assignment, and he was told he would receive an email. He contacted them for Several days and still nothing. He finally contacted me again to see if Nationstar would just send it to me. I was told they had it on file but would need to contact the dept that had this document. I contacted them again, asking, begging, for this document so I could close on my house, and they had the nerve to give me another website to visit to obtain this Deed ... CAN YOU BELIEVE THIS! To this day, it has been several weeks, and I still do not have from Nationstar what I requested. This has been a nightmare. Selling your home, and paying off a mortgage should be a GREAT experience, but Nationstar made this so difficult for me! I will never do business with this company again! Please run, and not walk from this company!


Date_received: 05/03/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: Round Point Mortgage
State: CA
ZIP_code: 920XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been attempting to do a short sale with Roundpoint Mortgage for over 2 years. I have a cash buyer and have submitted all the required paperwork to Roundpoint Mortgage and they will not tell me if the short sale is approved. I spent over 30 days submitting every document they asked for. They told me that on XXXX XXXX 2016 they has all the documents needed and that now it would be up to 30 days to " process the short sale ''. They continue to stall and drag this out until my buyer moves on to another property. I am working with my XXXX cash buyer and he is about to walk also. This company needs to be reprimanded for the way they operate."


Date_received: 05/18/2016
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: Caliber Home Loans, Inc
State: MD
ZIP_code: 217XX
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 just received notice from the IRS that in 2014 a company I do not owe money to filed XXXX stating that they canceled a debt. I never received a copy of the XXXX to dispute at that time. I never had any kind of debt with this company and do n't understand how they can state a debt was canceled when I never owed them money to begin with. Now IRS is charging me additional taxes, interest, and penalties.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Receivables Management Partners, LLC
State: OK
ZIP_code: 745XX
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 negotiated down a debt with the original creditor that I owed from XXXX separate dates of service, The creditor agreed to accept a total of {$620.00} to clear entire account/ both dates of service. The creditor sent the payment to IMC Credit Services along with the statement " account paid in full '' ; however IMC Credit Services only applied the payment to XXXX account. I have sent them proof along with forwarded emails from creditor and they still have not removed this from my credit report after 27 days after proof sent."


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Raymond James Bank, N. A.
State: WA
ZIP_code: 984XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX does not follow up with borrowers about foreclosure, they do not communicate with a law firm when XXXX is assigned to represent the borrower. They do not keep track of received documents nor do they have a dedicated person reviewing those documents for accuracy. A Short sale file was submitted to them on XXXX XXXX. After attempting to fill their document needs they closed the file because we did not get them a complete package in time. All this without communicating what was missing or following up. When calling you are forced to deal with a customer service person that does n't know what is going on with the file. Now these borrowers are going to be foreclosed on because XXXX XXXX does n't know how to work short sales.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: that I have disputed. Thank you for your prompt attention to this matter."
State: Equifax
ZIP_code: CA
Submitted_via: 945XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/11/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I am filing this complaint because equifax has ignored my request to provide me with the documents that were used to " VERIFY '' the account I disputed because they have gone past the 30 day mark and can not verify these accounts under section 611 ( 5 ) ( A ) of the FCRA- they are required to delete all information that can not be verified


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Portfolio Recovery Associates, Inc.
State: MI
ZIP_code: 489XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
it is portfolio recovery. I have asked them to stop calling me and the calls continue and the debt has not been proven to me at all.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Regions Financial Corporation
Issue: FL
Subissue: 331XX
Company_public_response: Consent provided
Company: Web
State: 05/02/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I then proceeded to the bank and was told that I should initiate my own investigation, which is very frustrating because if I do not show evidence of my own, the case will not be reopened. The bank does not want to help with the investigation to determine who obtained access to my personal information. The bank, I repeat, does not want to help me, so I come to you to solve this problem.


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: Receivables Management Partners, LLC
State: IN
ZIP_code: 461XX
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 have setup payment arrangements with a couple of my collection accounts. I have noticed on my credit report that it does n't show I make any payments. I make the payment on time and it still shows XXXX payments.


Date_received: 05/02/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Portfolio Recovery Associates, Inc.
State: NY
ZIP_code: 148XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am being harassed by frequent, annoying phone calls. These calls are coming through on my personal cell phone. They have no permission to call my cell phone. They are waking me up in the morning and calling all through the day.


Date_received: 04/28/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Ditech Financial LLC
State: OH
ZIP_code: 448XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ditech asumed my load that was set up for weekly automatic withdrawalso from day XXXX of my loan. Last week I got a call from XXXX of their debt collectors. He advised me I was behind in payments. After I explained I have automatic withdrawal set up and plenty of money in my account he looked and said they accidentally cancelled my auto pay infomation. He said I would have to go online to set it back up that they could n't do it on the phone. When I went online it only offered monthly payments but noted I could call and setup bi-weekly payments. I called and was informed they had eliminated weekly payments. I feel cheated because they are forcing a change in my payment schedule that I do n't agree with.


Product: without my knowledge
Subissue: and I told them that no letter
Consumer_narrative: came to my address with this new request. I 've asked them if they sent it certified in any time
Company_public_response: and they could n't find any prof of mail sent certified. Therefore
Date_received:
No request or ideal as such came to my attention.Since the property that the mortgage company have the lien on was insured by the home owners association from the outside, I believed that it was sufficient for the mortgage company to be satisfied with.After I saw in my mortgage statements a new charge under " escrow '' description for : {$18.00} that I was questioned it since it never appeared before. When the mortgage company informed me that it was for inside insurance that they replaced on my expense

Subproduct:
 I was very disappointed and surprised how could they automatically do it without my agreement to accept the new demand from them. I called to question this sudden extra new charge by them

Issue:
 and they explained that they 've sent me few letters to make an inside insurance to my property that they have the loan on

Company:
 I 've asked them to remove these extra charges from my account since I never received any request to do any of the inside insurance on top of the other insurance through the XXXX that I have for many years. They insist to charge me any way even though I already bought an inside insurance from XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and paid for it the whole year in advance. They still wanted me to pay for a previous letter ( that I never saw or received ) from XX/XX/XXXX until : XX/XX/XXXX. I told them that a demand like it seems very injustice and wrong to automatically impose on my bill. They still claimed that they could n't reverse these charges for me since they 've sent me few letters to pick an insurance company ahead of their start up charges time

State:
 and I said that I never saw nor received any of these letters that they supposedly sent. They keeping on charging me from the total mortgage statement bill these extra amount for the insurance that they called : '' escrow '' in their specific description and I feel that they should n't charge me for a new request that never came to my knowledge to buy

ZIP_code:
 at any time ( XXXX years since I have the loan with them ) And reverse those charges back from my account. They refused to do so

Submitted_via:
 even though they ca n't provide the prof of any of these letters that they mailed to me.I spoke with the customer service department on XX/XX/XXXX.They 've asked me to send them a fax letter to the research department to address this issue

Date_sent_to_company:
 and still they ignored my request.On : XXXX/XXXX/XXXX I spoke with : XXXX.I.D. # XXXX and she could n't help me than.So

Company_response:
 I 've asked to speak with her supervisor : XXXX.I.D. # XXXX on the same day:XX/XX/XXXX and she asked me to fax her again the same letter that I 've already faxed to the research department before.But she gave me a different fax number

Timely_response:
 which I did fax to her while she was on the phone with me. She still could n't confirmed that she received my fax

Consumer_disputed:
 even though I got a confirmation in my end that it was arrived to her fax # on the same day. ( XXXX/XXXX/XXXX ). She told me that she 'll call me after she 'll see it

Complaint_ID:
 and I never received any phone call from her back. I called again on the XXXX/XXXX/XXXX and spoke to : XXXX. I.D . # XXXX and she said that this charges ca n't be reversed or credited back to me.I feel that they way that this mortgage company acted toward me was in a bad faith


Subproduct: Diversified Consultants, Inc.
Issue: MI
Subissue: 481XX
Company_public_response: Consent provided
Company: Web
State: 05/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I demand that they cease communication and threats with me, and that they remove any traces of their company that are on any of my credit reports. I demand FULL VALIDATION of this alleged debt, including the original contract for the alleged debt signed by me with their company mentioned on contract showing that they have some interest to protect, proof of assignment or ownership and a full chain of assignment, full accounting of the alleged debt, and proof that it is inside the statute of limitations.


Date_received: 05/03/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Application, originator, mortgage broker
Company: New Day Financial, LLC
State: NC
ZIP_code: 273XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX ( mortgage originator at New Day USA ) offered XXXX solutions to help me with the high interest rate loan offered by New Day USA. 1. Buy down points for {$5000.00} to reduce the mortgage rate. 2. 30 days after the closing ( XXXX/XXXX/16 ) I could take advantage of the VA 's rate reduction program. A competitor firm highlighted the VA 's rate reduction program for me. I became apparent to me that buying down the rate was unnecessary. New Day USA duped me into paying an additional {$5000.00} in fees.


Date_received: 05/03/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Company: GM Financial
State: RI
ZIP_code: 029XX
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 sent gm financial a certified letter on XXXX/XXXX/16 in which they received on XXXX/XXXX/16 tracking number XXXX they have failed to respond to my request


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Savings account
Issue: Problems caused by my funds being low
Company: Arvest Bank
State: OK
ZIP_code: 735XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XX/XX/2015 I open a bank account at arvest bank in XXXX, oklahoma I feel that I was over charge for overdraft fees. The bank also told what amount I had in my bank account to a pastor who claim that I belong to his church and I only visit this persons church one time. I feel that arvest bank had no right to treat me like that.


Date_received: 05/11/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: FL
ZIP_code: 331XX
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 received Fraud alert from XXXX stating I had a delinquent account. I pulled my credit report to see a Barclays credit card that I never applied for. I immediately called Barclays who stated it was clearly fraud since they had my wrong address and date of birth. I also immediately notified all three credit bureaus. I just got a call from Barclays stating that their investigation revealed the account was mine because it was used to transfer balances from a XXXX account in my name. I HAVE NEVER had a XXXX account. They gave me the XXXX account number in question and XXXX has confirmed that this account has never been in my name nor have they EVER had an account in my name. Barclays has been completely negligent in allowing this account to be opened in my name without even verifying my current address or date of birth and are now causing me undue XXXX with their lies and incompetent investigating. A simple credit report proves I have never had a XXXX account.


Subproduct: PNC Bank N.A.
Issue: NJ
Subissue: 080XX
Company_public_response: Consent provided
Company: Web
State: 03/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX is bank manager whom I consider negligent and did not perform due diligence with this account, Initially told me I needed to provide a death certificate, even though they had on their files that she was deceased


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Capital One
State: VA
ZIP_code: 201XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX 2014 we missed one mortgage payment. Since that time, almost 2 years now we have been trying to complete a loan modification with Capital One. They continue to state that we are missing documentation, they ca n't read a date or signature on forms, etc. I have most of the documentation from them especially the one where they stated they ca n't read the date or the signature. The point is that they are stalling and stacking up fees and destroying our credit. There are many examples of this on the internet so I know that we are not the only ones dealing with this issue. We have not missed a mortgage payment since 2014 and we are willing to work with them to figure this out. They sent us a letter stating that we have a single point of contact so they abide by the law yet I have never heard from my single point of contact. When I call my single point of contact I get someone else every time. At one point we had someone named XXXX working with us and he has flat out lied to us several times. He told us that he called and left us messages which is not the case.


Date_received: 05/15/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Company: Equifax
State: OH
ZIP_code: 456XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On or around XXXX 2016 I seen a entry on my credit report for a 30 days Late/Missed on my credit report. I contacted XXXX XXXX with my concerns and they were unable to find the record of a 30 days Late/Missed payment on my file. Currently XXXX are now the new creditors. I still have my Open active account with XXXX. The late payment on file is reported in error and needs to be rmoved.


Product: pay stubs and tax return information. The last
Subproduct: and most complete
Subissue: the file negotiator
Company_public_response: and having submitted
Company: on XXXX/XXXX/XXXX
State: the Decline from Retention Programs document
ZIP_code: it is strangely odd that now
Submitted_via: now
Complaint_ID: Yes
Date_received:
The challenge we have been having is an apparently obstructive situation in Citi Mortgage. We have submitted complete packets of short sale documents on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. Every time we have completed the provision of the required documents we do not receive any updates for the next XXXX weeks and then we are, once again, required to provide a " fresh '' set of bank statements

Issue:
 set of documents submitted occurred on XXXX/XXXX/XXXX. When I followed up with a request for an update on those documents on XXXX/XXXX/XXXX after not having received any updates or confirmation of receipt of the documents submitted on XXXX I received an email from XXXX XXXX

Consumer_narrative:
 requiring more pay stub documents and then telling me that "" the file has been returned to the homeowner support representative for homeowner retention consideration. The homeowners will not qualify for an opt-out ''. After months and months working on a short sale

Date_sent_to_company:
 we receive the notification that the borrowers were not considered for a retention option according to XXXX XXXX

Company_response:
 the File SPOC. BUT there was a loan modification application and denial in the past. The fact that the folks at Citi Mortgage have taken so long to process this file


Product: bank statements and other documents to occur
Complaint_ID: Yes
Date_received:
My complaint against Citi Mortgage has to do with the way that the people handling this file for Citi Mortgage have been working. By not apparently working on this file for prolonged periods of time allowing the expiration of the borrowers pay stubs

Subproduct:
 and then requiring a "" fresh '' set of those documents to be sent in over and over is evidence of a possible violation in both federal and State of Oregon statute. I believe that Citi Mortgage is in violation of the State of Oregon Unlawful Trade Practices Act by not dealing in good faith with these borrowers. There is another serious concern I have. The way this file is being handled is in an antagonistic


Product: investigate the way Citi Mortgage is handling this file and respond accordingly. Thank you."
Subproduct: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Issue: Citibank
Subissue: OR
Consumer_narrative: 973XX
Company: Consent provided
State: Web
ZIP_code: 05/18/2016
Submitted_via: Closed with explanation
Date_sent_to_company: Yes
Company_response: Yes
Complaint_ID: Yes
Date_received:
These good folks have been victimized by others in the past and it feels like they are being victimized by Citi Mortgage now. Please review the attached documents


Date_received: 05/17/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Stellar Recovery Inc.
State: CA
ZIP_code: 930XX
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 never received any letters in the mail or received any telephone calls from XXXX XXXX XXXX concerning this matter. I was not aware of this collection until Saturday, XXXX XXXX, 2016, when I got the collection letter in the mail.


Date_received: 05/06/2016
Product: Debt collection
Subproduct: I do not know
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Monterey Financial Services, Inc.
State: UT
ZIP_code: 840XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This company has ignored attempts to provide proof of the debt, they have ignored my request to delete this from my credit or provide what the FDCPA 15 USC 1681 623a7 requires. They have threaten ignored and seems to have a calloused disregard for my rights and the law


Subproduct: Mercantile Adjustment Bureau, LLC
Issue: NY
Subissue: 141XX
Company_public_response: Consent provided
Company: Web
State: 05/18/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I requested several court dates back in the day because I was not a student at the time of the parking ticket. I visited the campus because the college refuses to issue bills. Students must visit the college website, remember their student ID and get their bill. Some type of technical issue prevented this technical ability because I was being billed for health insurance I was never informed that I had, so not only did XXXX XXXX endanger my life because I was a XXXX patient whom had no idea he had insurance. I parked in a XXXX minute free parking zone. There were no markings on the tires to indicate the University police ever checked a start and end time. Nor did I get a day ion court to reduce the fee or charges. Now I believe a law may have been broken by the college and or the collection agency representing the college.


Date_received: 04/29/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Company: Portfolio Recovery Associates, Inc.
State: OK
ZIP_code: 731XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The agent who called, identified herself as a collections agent from Portfolio Recovery, and proceeded to release information about a debt I allegedly still owe, to a person who clearly identified themselves as not me. This is a violation of FDCPA, and CFPB. They are also trying to collect on a debt that is more that 10 years old.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: IL
Subissue: 622XX
Company_public_response: Consent provided
Company: Web
State: 05/08/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Sears in XXXX XXXX IL has denied the purchase or assisting me despite being referred to them by frigidare to alert them to this SN # matter and credit card charge dispute. the third party overstock.com tel # XXXX who sells thru Sears has an invoice number proving this sale # XXXX please help me obtain credit for the product as it is under a valid warranty from frigidare Company and sears is denying and refusing to help despite the fact I am paying in a credit agreement thru Sears credit card/citibank


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company: Portfolio Recovery Associates, Inc.
State: FL
ZIP_code: 337XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Portfolio Recovery Associates bought a debt from XXXX XXXX XXXX. They have called my work number and stated that a person was at my home and I had better have a payment for them or they were going to garnish my wages. They continue calling all of my telephones, which is a {$1500.00} fine per call in the State of Florida. They are also trying to collect on credit card debt that is over 5 years old. I 'm about to contact an attorney to stop their harassment.


Subproduct: Equifax
Issue: AR
Subissue: 716XX
Company_public_response: Consent provided
Company: Web
State: 04/18/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX reporting XXXX missed payments. Outcome I have never been late please remove from my credit report.


Date_received: 05/12/2016
Product: Debt collection
Subproduct: Non-federal student loan
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: Lockhart, Morris & Montgomery Inc.
State: NC
ZIP_code: 279XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Collector did n't want to give me address so I can mail in payment said I have to pay the whole thing they would take payment with out a large deposit. And have repeatedly call my cosigner 's mother and sister and threatened to take there pay.


Date_received: 04/11/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company: Citizens Financial Group, Inc.
State: NM
ZIP_code: 880XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My mother died, left her home to us and had a home equity loan on our XXXX home not sure what to do have been trying to save home and need help. What to work with bank on finding a buyer or being about to rent out home which could pay back loan. I only have XXXX income for a family of XXXX in New Mexico with trying to stable ourself, we still have family items in home was unable to remove in 2014.


Date_received: 04/20/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: in their response to me and the CFPB
Submitted_via: from Nationstar 's home office in "" Texas ''
Complaint_ID: MUCH MORE OFTEN THAN NOT
Consumer_narrative:
In Nationstar 's response to my complaints to the CFPB, they cited repayment plans offered to us on XXXX, and XXXX. The XXXX 2014 plan split the one month that we were behind into XXXX payments of {$1100.00} to be added to our regular mortgage payment of {$2300.00} for a total of {$3500.00} for two months. The XXXX 2014 plan was to split the one month behind into XXXX payments of {$760.00} to be added to our regular payment which would have resulted in XXXX payments of {$3100.00}. In my first complaint to the CFPB, case number XXXX, I stated that " The only plans Nationstar offered were plans that we could not afford. However

Company:
 Nationstar invoked said unaffordable plans in an attempt to defend their stance that they had offered assistance to us

State:
 when in reality they offered nothing. At the end of the aforementioned response that Nationstar sent

ZIP_code:
 a telephone number was included for "" XXXX XXXX '' from the "" XXXX ''. ( XXXX ) My husband attempted to call this "" person ''

Date_sent_to_company:
 and was re-directed to the XXXX. This is always the case with Nationstar. Whenever we attempt to contact them we are connected to the XXXX

Company_response:
 and more often than not -- we are forced to speak with people who are -- for the most part -- unintelligeble to due their thick accents. When asked this morning to be connected to "" XXXX XXXX ''

Timely_response:
 we were told that no such person nor extension existed -- however we could be helped by the agent who answered the phone. When we asked the agent what office he was speaking to us from

Consumer_disputed:
 he stated that it was an "" offshore location ''. We asked which offshore country? He evaded our question for as long as he could before he finally admitted he was speaking to us from the XXXX. Again -- MUCH


Date_received: 04/04/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Focused Recovery Solutions, Inc.
State: VA
ZIP_code: 233XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/04/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: No
Consumer_narrative:
This company needs to remove all information from my credit reports. To my knowledge, all medical bills were paid by insurance and up to date. I have never been informed of any debts owed, and even if there are some that I do not know about, their client did XXXX and almost sent me into XXXX XXXX for not doing test requested by me and my wife as well as noted in my medical files. I have a case against their client for negligence.


Date_received: 05/02/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company: Nationstar Mortgage
State: TX
ZIP_code: 782XX
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 had a home equity loan with Nationstar for XXXX and I defaulted and they filed to foreclose and I did n't want to lose the house so I filed bankruptcy and tried many times to get a modification well they finally did the modification but I originally had the home equity loan for 15 years well now they modified it for 40 years and I will have to pay back on XXXX the house is only worth say XXXX I do n't have access to this account via internet or website they claim because I am currently in bankruptcy and it 's really annoying me that I ca n't get any information on the website. They need to go with the original amount and the original term XXXX for 15 years period.


Date_received: 05/15/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company can't verify or dispute the facts in the complaint
Company: United Resource Systems, Inc
State: NC
ZIP_code: 275XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In XXXX I received an XXXX credit report, through a paid credit monitoring account I have with them, showing a debt in collection through United Resources Systems, XXXX XXXX XXXX XXXX, XXXX, CO. I disputed the debt and the collector could n't verify it was owed so it was removed. In XXXX XXXX I ordered my XXXX annual bureau reports and found XXXX and XXXX also had the collection listed by them so I filed disputes with them around XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX reported the creditor could n't verify debt owed and it was removed from my report. XXXX XXXX, XXXX XXXX reported that the collector had in fact verified that I was responsible for the debt and the collection would remain on their credit report for me. XXXX also said they could n't furnish me any documents from the dispute and they did not investigate but went by what the collector supplied to them. I was told to contact the collector for documents when I asked how could a collector not be able to verify a debt with XXXX bureaus but was able to verify with XXXX. I contacted the collection agency after receiving those documents to tell it the information sent from the company they were representing, XXXX XXXX, was false. The company is a former employer that is trying to represent travel expenses as a personal loan to me. I sent the collector copies of receipts beginning with a rental car receipt from XXXX XXXX, XXXX, paid for by XXXX XXXX to XXXX XXXX, XXXX. I included taxi, hotel and fuel receipts showing what I was reimbursed for and my bank statements showing the sums being deposited to my account. The former employer is claiming the final receipts I submitted on XXXX XXXX, XXXX were a loan instead of travel expenses as retaliation for choosing to end my employment that day because after spending over 20 days in FL hotels after they sent me to get a vehicle from a shop, and it ended right back in the shop the next day in a hotel they paid for in XXXX FL for about 3 days, and then the day after it left that shop it ended up in another shop in the XXXX FL area, leaving me in another hotel for until XXXX XXXX.


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
My complaint is that I contacted Chase Mortgage in XXXX XXXX requesting that my property taxes be paid from my escrow account which had sufficient funds to cover these costs as the escrow account was setup with my Chase Mortgage broker when I acquired my mortgage through Chase. I was told that the property taxes would be paid from my escrow account by Chase. This payment did not occur and a late penalty was charged to me. I contacted Chase about this in XXXX XXXX and then they said that they do not pay XXXX XXXX County property taxes even though they had set these funds aside for me in my escrow account they manage. After several phone calls and the fax I sent to Chase dated XXXX/XXXX/XXXX I received a letter dated XXXX/XXXX/XXXX saying that they paid the taxes. I authorized them to pay the taxes with the understanding that Chase would pay the penalty fee since the lateness was due to their stating that they would pay the taxes from my account and they did not pay them. They deducted the late fee from my account.What really irks me is the consumer deception on Chase 's part. I received the letter dated XXXX/XXXX/XXXX from Chase saying that they have now made a " courtesy payment '' and paid the taxes. It took me some time to figure out that they withdrew from my account the taxes I authorized them to pay but that they also took from my account the penalty that I did not authorize them to pay from my account. The letter hid this information from me with what I believe an attempt to deceive me as a consumer."


Date_received: 05/07/2016
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: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Incorrect Address i never lived at XXXX XXXX XXXX XXXX XXXX XXXX Michigan it is the Address of my Son who has the same Name


Date_received: 05/09/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
State: CA
ZIP_code: 925XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX my husbands ATM card was stolen. We immediately went to our bank and the bank manager looked up our account, we found that someone had put charges on that card in the sum of {$520.00}, we only had {$650.00} in the bank ( our social security check ). We therefore had no money to live on ... .no gas money, grocery money or medial expense money, I am XXXX and this was an extreme stress for us. We went into the bank everyday asking when we will be reimbursed for this money and promised a different day each time. We talked with the fraud department several times at no avail. We need our money and the other concern is that our other s.s. check is coming this Wednesday and we are afraid that the bank will deduct that money from our new check. Even though the amount was XXXX, with all the Over Draft fees we now have a negative of over XXXX.


Date_received: 04/12/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: AZ
ZIP_code: 852XX
Submitted_via: Older American, Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was in a XXXX XXXX Bankruptcy which just discharged in XX/XX/XXXX. I was notified that there was a delinquent balance on my loan and I asked for a summary of payments, 15 days later I asked again before it was finally sent. I was never notified of the supposed delinquency from XX/XX/XXXX, nor was my bankruptcy attorney.In fact on XXXX/XXXX/XXXX I called in to make my payment and was given a payment amount of {$1000.00} which was represented as the total amount due.I realize the XX/XX/XXXX payment was late but it was paid prior to a 30 day late and it was paid in the amount quoted to me by the lender 's representative. I was also notified in a separate conversation in XX/XX/XXXX with the bankrupcy dept, that I did not make a payment in XXXX of XXXX which is impossible. When I finally receive the accounting of all the payments, it shows a XXXX XXXX payment which was put in to suspense as was the XX/XX/XXXX and XX/XX/XXXX payments. Again I was never notified of any of this and when I became aware I did immediately pay the balance due with assurances that there would be no negative reporting. I have paid the outstanding amounts to avoid a late reporting on my credit while this was being investigated. I contacted the lender 3 separate times and was assured that I would not have a derogatory reporting as I am in the process of working on refinance out of this 10 year IO in which my payment just increased {$400.00} I pulled a credit report on XX/XX/XXXX and there is in fact a late reporting as of XXXX XXXX. I spent 35 minutes on the phone so far with a customer service rep trying to get this corrected. They acknowledge the reporting however they have required me to provide a credit report showing it. This will take weeks from when they receive it and I 'm sure they have records of what they reported so why require me to provide information on what they reported? When I asked to be transferred to a supervisor I was put on hold and 58 minutes later. was connected to a supervisor who found the payments I have made but is still requiring that I provide documentation for erroneous information that they have on file since they are the ones who reported it. This is a blatant disregard of federal bankruptcy law and a blatant lie to me as a customer. My attorney should have been notified of the increased payment if not me, the payments should not have been arbitrarily suspended and the lender 's bankruptcy department should have been fully aware of this.


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: WA
ZIP_code: 983XX
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 submitted a short sale with a purchase and sale with Ocwen Mortgage and they have lied to me and are taking way to long. I was told today that another BPO was requested and when I asked who is requiring a another BPO and I was told it was my mortgage insurance company. Which my reply was that 's not correct because I do n't have mortgage insurance on my current loan. The person keep repeating it was my mortgage insurance company. I then asked what is the name of the mortgage insurance company and I was told XXXX ( which I had them spell it to make sure I was hearing the person correctly ) I told them that 's funny because XXXX is my homeowners insurance and they do n't have a say in requesting a BPO or anything to do with a short sale approval. I called him a liar and then was told he would not talk to me anymore. I have sent a request to the short sale department to contact me. I will keep calling them until I get a direct and honest answer. This short sale process has been going on since XX/XX/XXXX. I was served with a NOD yesterday and I know exactly what they are doing. The bank came back with an approved bpo of XXXX and my buyer agreed and signed the required papers. I was informed on XXXX/XXXX/16 that the owner of the loan did n't accept the price. I was told by my relator on XX/XX/2016 that ocwen is requiring another bpo. they are suppose to call us for access if needed. they may assign exterior only. As of today no one has called me the owner or my agent. When I was talking to the short sale department today the person asked me who should they put down for a contact person. Uhm ... .they have my information and the agents. Today is XX/XX/2016 and no one has contacted me or my agent to give auth. to access my property. I am frustrated and this is not right. I and my agent have done everything they have asked and they are not doing what they are suppose to be doing. I need assistance with this matter. Last correspondence was dated XX/XX/2016 from ocwen saying they received a short sale submittal which is a little confusing. Because I have correspondence dated XX/XX/2016 that was a conditional approval, then XX/XX/2016 correspondence stating they received correspondence, then XXXX they receved a short sale request and are currently reviewing, then XX/XX/2016 received notice they denied the short sale due to owner of the loan did not agree to the discount amount that was submitted. Then my agent send the forms the buyer signed that acknowledge the higher price of XXXX on XX/XX/2016. Then I did n't receive a notice from my mortgage company that was dated XX/XX/XXXX saying it was in review. So what was done for XX/XX/XXXX? My agent talked to my mortgage company on XXXX/XXXX/16 which is when I was informed that the mortgage company is requiring another bpo. today is XX/XX/XXXX an the me the homeowner and my agent have not been contacted by anyone to schedule access to the property. So what are my rights??????????


Date_received: 05/07/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: VA
ZIP_code: 220XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had XXXX accounts with synchrony bank -a Lowes account, a Walmart account, and an Old Navy account. I always paid on time except one month I was XXXX and I forgot and was late with my Lowes payment. I paid it immediately once I realized the issue, after that synchrony dropped all my credit card balances ( which were paid off with a XXXX balance on all of them ) and they ran my credit score ( hard run so it shows on my credit report ) three times for each card afterwards which caused my credit score to drop!!! This should be illegal and this is the worst scam credit card bank I 've ever dealt with, I have since closed all these accounts with synchrony bank and I advise others to never get a credit card through them -they will destroy your credit score for no reason! I would rather pay cash or use my cash rewards visa than to ever have a credit card with them. Just horrible!


Date_received: 04/27/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
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: WV
ZIP_code: 260XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/27/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I had a credit card debt with bank of America, this debt was written off on XXXX/XXXX/2009, somehow a XXXX Ohio got the debt, they took me to court and got a judgement even though I sent all paperwork back, including a copy of my ssXXXX, now they send a XXXX XXXX police officer to my home threatening to sell items from my home, my bank account, car. claiming I owe XXXX which is mainly court cost and paperwork, interest, how can there be interest on a debt that was written off 7 years ago per bank of America .harassment from this law firm has gone on now 4 years.


Date_received: 05/05/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Barclays PLC
State: MN
ZIP_code: 551XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I would like to know that the difference is between difference between the Signature and Platinum XXXX Extra Points Credit Cards? Thanks


Date_received: 05/06/2016
Product: Credit card
Issue: Closing/Cancelling account
Company: Capital One
State: MN
ZIP_code: 554XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Last year, I applied for and was given a credit-card by Capital One. Under their rules, a starter account is opened in the amount of {$300.00}, and then, per their rules, if you make 5 consequitive on time payments, they raise your credit limit to {$500.00}. I reached that level. In XXXX, I filed a chapter XXXX bankruptcy, and they ( Capital One ) closed my account even though I DID NOT INCLUDE THEM IN THE BANKXXXX! My payments were always on time, and when I last looked, I had a balance of about {$120.00}, which I tried to pay, but was locked out of the account. I have written two letters to them, and I get no response. I offered that if they issued a card again with either the {$500.00} or {$300.00} credit line, minus what I owed, I would pay it upon receipt. I had no intention of trying to get out of paying them, my intent was to start rebuiding my credit. I did not deserve to have my credit yanked for no reason. I never missed a payment, my payments were on time, sometimes before they were due, and I usually paid more than the amount due. They do not respond, they offer no relief or options, much less an apology for closing an account that was not delinquent. Recently! I applied for another one of their starter cards, and was denied, with the response being I did or do owe them money! I owe them about {$120.00}, and had they kept the account open, it would have been paid. This is blantantly misleading and wrong for them to not allow me to have the card, and secondly, since I did not include them, I should have been allowed to pay what I owed. I do not have the account no anymore, they can look me up by my social XXXX


Date_received: 04/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: it also says that I was late on a payment. Since I did NOT sign
Company: give consent or agree to the second loan
ZIP_code: but that is why I am hoping that by filing this complaint
Timely_response: Equifax
Consumer_disputed: CA
Complaint_ID: 923XX
Consumer_narrative:
XXXX XXXX XXXX XXXX has a XXXX loan under my name. I did not sign, give consent or agree to a XXXX loan. The XXXX loan is for the same vehicle that I had purchased ( the letters they sent home to me have a different account number than the original account, yet has the same VIN # of my car ). I filed a dispute through Equifax as I also tried working it out with the company. It has been more than 2-3 weeks that I have been calling/emailing XXXX to fix this issue. Recently, I noticed on XXXX XXXX that it shows up as " paid and closed. '' Yet

State:
 it should NOT be showing up on my credit at all. This morning I received an email from Equifax indicating that they contacted XXXX and got verification that the loan belongs to me. I think that it also shows up on XXXX

Submitted_via:
 pressuring the company to fix their mistake and having them report to the credit agencies that it is NOT my loan and that it was THEIR mistake

Date_sent_to_company:
 will clear everything. I am also requesting a written letter from the company indicating that they in fact did make the mistake and the steps they took within the past 3+ weeks to fix it. I want that letter just in case this issue ever comes up again and I have written proof that the loan was a mistake and it does not reflect my financial decisions."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Citibank
Issue: WA
Subissue: 981XX
Company_public_response: Consent provided
Company: Web
State: 05/03/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I inquired about the status of the promo points after I noticed the promised date had passed and the points had not posted. They opened an inquiry and I recently got a response saying that I did not qualify for the promotion after all. This is after confirmation on three separate occasions that I was enrolled and met the requirements. When it came time for the points to post ( and after several months of fees of {$30.00} each ), they now say I am not getting the promo as promised.


Subproduct: Equifax
Issue: GU
Subissue: 969XX
Company_public_response: Consent provided
Company: Web
State: 05/17/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
I have satisfied the requirements of notification and provided a police report, identity theft affidavit, proof of identity, identification of fraudulent accounts, and statement of identity theft. I demand that Equifax remove the accounts from my credit file as ordered by law FCRA & 605B paragraph ( a ).


Date_received: 05/05/2016
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: Rauch-Milliken International, Inc.
State: IL
ZIP_code: 601XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
I was fraudulently charged a service fee for XXXX for my restaurant business. I never agreed to sign up or be charged. The rep from the company spoke to the front cashier who has no ownership and told them to sign up. They called me and I said do not sign up for anything. The rep still signed us up and sent my restaurant a bill. The rep does n't have my name on the bill but part time workers who he spoke to and has the business name wrong. I called XXXX and they said the employees agreed so I have to pay. Now it is with a collection agency who sent the letter to XXXX of my employees saying they would be seizing bank accounts. Rauch Milliken International is the collection agency. I spoke to them and explained to them what happened. They do not know who I am or the correct business name, but they are sending it to a lawyer to seize assets. Their phone number is XXXX ext XXXX.


Date_received: 05/16/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company: Equifax
State: TX
ZIP_code: 752XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
When I had attempted to, tried to dispute or complain about : inaccurate info on my report! Equifax had literally shut that down, even before it got started! This had taken place, in XXXX of this year! It also would be fair ; to state, and conclude for the record! That Equifax are also involved in, this conspiracy plots : to destroy me, and or demise my health overall! Went as far as, to try to get me, caught up in : their so called free trial credit monitoring scheme! However, once after witnessing, and experience it was a hoax, and gotcha moment! Trust me, I had to hurry up, and unsubscribe or terminate my membership altogether! Never looked back neither! So some of this backlash, and their retaliatory measures are ; from that incident, and my complaint against XXXX XXXX! With all these all out attacks, against me personally, and much damage control to my credit history overall! How in the XXXX, can I get passed that CFPB??? Make no mistake about this, that, or the other! There 's entirely too much of the following : personal grudges, hang ups, animosity, hatred, envy, strife, malice, division, fault finding, grievance, finger pointing, mistreatment, bias, lies, hypocrisy, heretic, bigotry, deception, attacks, defamation of character, misconception, warfare, blackmail, opposition, threats, close encounters, massive damage control, and there 's definitely too many attempts ; to kill or demise my health overall! Sad point about it all! All three government credit bureaus or agencies are a part of this! What the XXXX is Really going on Here CFPB????


Date_received: 05/13/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: OH
ZIP_code: 441XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
trans union report i have too many delinquinces i have none also i have account through XXXX i hane no time since delinquinces none at this time


Complaint_ID: Yes
Date_received:
I asked about incurring additional fees and was told I would n't if I cancelled within XXXX7 days. When the pending payment clears


Complaint_ID: Yes
Date_received:
3. Why is an "" account '' being sold in packaging that describes it as "" XXXX Prepaid Card '' in big


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: on page XXXX
ZIP_code: the property is my primary residence
Submitted_via: I am now liable for the loan
Date_sent_to_company: I make the payments
Company_response: I have been writing off the interest on my tax returns
Consumer_narrative:
On XXXX/XXXX/XXXX myself, and my mother, purchased a home as my primary residence.I had moved back to the U.S after living abroad and had no credit history, my mother was the only person on the note, the property is deeded to both of us.The loan, issuedby XXXX, was a XXXX Arm interest only at 6.375 % based on the 6 month libor plus 2.75 %, and due to adjust in XX/XX/XXXX.The 6 month libor in XXXX XXXX was 0.395 %. The new adjusted rate would have been 3.5 % .The loan amount was $ XXXX.In XXXX XXXX OCWEN, the new servicer of the loan, made contact with my mother offering a loan modification, neither of us had sought.The offer was to change the XXXX interest only loan to a 30 year fixed fully amortized mortgage with a new maturity date of XXXX/XXXX/XXXX and to reduce the principal balance by {$35000.00} to {$360000.00} and not to pay the XXXX payment.At no time during the conversation with the OCWEN rep was XXXX to us that there could be tax consequences. OCWEN did not require from my mother or myself any paperwork such as pay statements, or any other proof of loan eligibility.OCWEN required that both of us sign the loan modification agreement, have it notarized and sent back. Neither of us could understand why OCWEN was generous.The property was underwater when considering value and is today.We received the loan modification form for signature.The new agreement included both our names, remembering that my mother was the only original signatory and per paragraph XXXX on page XXXX. '' Borrower hearby renews and extends all indebtedness evidenced by the note, and jointly and severally promises to pay to the order of Lender the pricipal balance. " ... therefore making me also liable for the debt

Company_public_response:
 whereas I was not before.The loan modification agreement was signed by us and notarized on XXXX/XXXX/XXXX and sent to OCWEN. The agreement was then signed by OCWEN on XXXX/XXXX/XXXX. However

State:
 paragraph XXXX ( v ) ( b ) the agreement innocuously states. "" such forgiveness may have tax consequences '' Considering

Timely_response:
 the tax law of XXXX that debt forgiveness for primary residence being not a taxable event we disregarded the paragraph. In XXXX XXXX

Consumer_disputed:
 my mother was audited by the Internal Revenue Service for the tax year XXXX and after completion of the audit

Complaint_ID:
 the only item brought up in the results of the audit was a XXXX issued by OCWEN for the forgiven debt and one month 's interest payment for XX/XX/XXXX.This was the first time that we knowledge had been a XXXX issued. As stated before


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: DriveTime
Issue: KY
Subissue: 402XX
Consumer_narrative: Servicemember
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Date_received:
three weeks later I get an email saying that deal is is void and have to pay XXXX a moth for 36 moths on top of car and ins. payment..

Complaint_ID:
 the only item brought up in the results of the audit was a XXXX issued by OCWEN for the forgiven debt and one month 's interest payment for XX/XX/XXXX.This was the first time that we knowledge had been a XXXX issued. As stated before


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Payday loan
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: Advance America, Cash Advance Centers, Inc.
State: MI
ZIP_code: 488XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Advance America in XXXX MI contacted and harassed my former spouse and my payday loan. Threatened to have me arrested for a XXXX XXXX dollar loan. I have been divorced from this person for seven years and my divorce papers clearly state that neither of us are responsible for each others debts. i believe this is illegal.


Subproduct: Portfolio Recovery Associates, Inc.
Issue: UT
Subissue: 840XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Portfolio Recovery has arbitrarily assigned a debt to me that IS NOT MINE. My name is very common - there are dozens ( if not hundreds ) of people with the same name. Without any justification, they have pulled my name and number out of the phone book and started harassing me. I am pretty sure this is not a case of stolen identity. I have XXXX credit monitoring services active right now ( from the XXXX hack, and the XXXX hack - I had a security clearance until I retired ), and I have also reviewed my credit reports ( as a result of the Portfolio Recovery phone calls ). There is nothing untoward on my credit reports, unless they have done something in the last couple of weeks.


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: XXXX
Complaint_ID: Yes
Consumer_narrative:
In a letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX, attorney for Beneficial states, " I have confirmed with Beneficial that its pre-Petition arrears claim was paid in full

Company_public_response:
 and that the debtors are up to date with respect to remittance of their post-Petition mortgage payments. '' This letter was addressed to XXXX XXXX XXXX


Date_received: In a letter dated XXXX XXXX
Complaint_ID: Yes
Product:
 XXXX from XXXX XXXX XXXX by XXXX XXXX of HSBC they stated to the NYS XXXX : "" An audit has been completed. '' "" We have completed reconciliation ... .and can confirm that the account status is accurate. '' "" Account is current. The next payment is due on XXXX XXXX


Date_received: In a letter dated XXXX/XXXX/XXXX XXXX XXXX included a copy of a letter dated XXXX XXXX
Company_public_response: HSBC North America Holdings Inc.
Company: NY
State: 125XX
Submitted_via: Consent provided
Date_sent_to_company: Web
Company_response: 05/17/2016
Timely_response: Closed with explanation
Consumer_disputed: Yes
Complaint_ID: Yes
Product:
 XXXX that states "" There was a reconciliation completed on your account on XXXX/XXXX/XXXX. After the reconciliation was completed

Subproduct:
 your account was due for the XXXX/XXXX/XXXX payment and the remaining amount needed to complete this payment was {$1600.00}. The full payment for the XXXX/XXXX/XXXX due date was not received until XXXX/XXXX/XXXX. '' This is in direct conflict with the XXXX XXXX reconciliation

Issue:
 and the XXXX XXXX records referenced above that were sent post "" XXXX XXXX reconciliation audit. '' In summary Beneficial confirmed that we were up to date through reconciliations and audits completed in XXXX

Subissue:
 XXXX and XXXX XXXX. However that was not the information they sent to XXXX. We have experienced ongoing problems due to Beneficial 's inability to inform XXXX of their gross error."


Date_received: 05/01/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
State: they would not give me my bank balance in person. Instead
ZIP_code: they mailed it 4 hours away to my home in XXXX
Submitted_via: XXXX. Here 's the problem : 1st : After opening the personal acct
Complaint_ID: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Consumer_narrative:
I applied for a business bank acct w/Bank of America online. I was approved & went into a branch with the co-owner and we established signature cards. BofA Business banking advised us that we could get a good deal on XXXX Payroll services if we each established personal checking accounts with BofA & used Direct Deposit. Each of us applied online for personal checking accounts and were approved. I went to BofA in XXXX and got a temporary personal ATM card on XXXX/XXXX/16. XXXX/XXXX/16 As a business, we contacted XXXX to find out how to set up payroll through BofA. On XXXX/XXXX/16, I bought breakfast with my temporary BofA personal ATM card at XXXX XXXX. On XXXX/XXXX/16, I went to buy breakfast from XXXX and was told by XXXX that the BofA Personal ATM card was inactive. XXXX : I called BofA from XXXX, XXXX and was told my personal ATM card had been reported " lost or stolen '' and I 'd have to get another card. I called back less than an hour later and was told my account was frozen and closed and that I had to personally go into a branch to retrieve my account balance and could not receive any further information over the phone. I was working XXXX & could not stop working to drive to BofA 2 hrs away. This caused me to be without food and our business was forced to incur a XXXX fee from XXXX because this was the only way the co-owner could send me payroll funds to allow me to have food to eat. On XXXX/XXXX/16

Company_public_response:
 Saturday morning I traveled 2 hours to get to Bank of America to retrieve my funds and attempt to find out why I could not access my account and why it was frozen. Upon reaching the bank

Company:
 XXXX bank representatives in XXXX tried to assist me. We contacted a phone number for internal Bank of America reps that said my account was frozen and closed due to suspected identity theft. I stated that I was in fact XXXX XXXX and I had opened the account and they said that it was too late now. I 'd have to re-open an account with new funds. In addition

Date_sent_to_company:
 I went in person into BofA branch w/multiple forms of identification ; sat at desk of a branch rep & got a temporary ATM card. I 'm on VIDEO! A brief investigation would 've uncovered this information. There was no identity theft to warrant closing/freezing my acct 3 days AFTER I WENT IN PERSON ; 2nd : They told me to drive to a BofA branch to get my money

Company_response:
 but when I paid expense to get there to retrieve much needed gas/food money they refused to give it & said they mailed it to mt home 4 hrs away. 3rd : They caused my business to incur added cost. 4th : They discriminated against me personally

Timely_response:
 but not my business account. I want to know how and why they are able to do this. Last week our business filed a complaint against XXXX XXXX because over zealous investigators failed to release {$1600.00} dollar XXXX payment to us from our business customer. XXXX got no customer complaint

Consumer_disputed:
 held the payment for a week & then made contact w/our customer & misled him by announcing they were Fraud Division. He thought it was an unrelated charge. I personally drove 2 hours back to the customer to find out what was said. The customer wrote me a check for the {$1600.00} and I used that check as an opening deposit with Bank of America Business Account with the intention of making Bank of America my new bank because I did not appreciate XXXX & XXXX handling of the matter. It 's my belief that my complaint against XXXX may have something to do with this treatment by BofA because BofA approved my personal account but then committed bad business practice by closing my account w/out even calling me to notify me of their action. Also Is BofA 's treatment a result of XXXX misreporting? Is it retaliati"


Date_received: 04/07/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company: PNC Bank N.A.
State: OH
ZIP_code: 443XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have contacted my bank - this last time was the third time due to fraudulent charges coming out of my checking account. They have issued a new debit card - but the incidents keep happening. They are coming from XXXX - which I have closed my account with them. But after XXXX there is another vendor - the latest being XXXX XXXX XXXX. They say it stems from some computer game. These charges occur every so often ( approximately once a month ). I have to dispute them and keep having to be reissued a new debit card with a new number. I am at the end of my rope as to how to stop these charges. They have also appeared on credit cards. The credit card company issues the charge back into they credit card account. However, the debit card does not. They have you wait - in my checking account is my payroll money for bills, food, utilities, etc. I ca n't wait for that money to come back - that is my spending money and bill paying money. This has been a travesty - I just want unauthorized charges to stop.


Subproduct: JPMorgan Chase & Co.
Issue: IL
Subissue: 600XX
Company_public_response: Consent provided
Company: Web
State: 05/05/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
 All we know is that it made sense then - and rates were still historically low - unfortunately| we do not have a crystal ball| so there was no way for us to know if rates are going up or down. What would you estimate your home is worth today? '' He would not work with me to help lower my rate. I also called the Chase Mortgage hotline| and the only thing they did was send me a check for excess escrow. They refused to help me. 

I have make on time every payment| my home is still " under water '' so I am unable to refinance in the traditional manner| Chase refuses to reduce my interest rate under the XXXX program. 

Where can I go from here? XXXX was designed to Help Consumers| not hurt them. The Banks ( Chase being XXXX of them ) got HUGE bailouts yet consumers/taxpayers are left out in the cold.


Date_received: 05/14/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Gold Key Credit, Inc.
State: FL
ZIP_code: 328XX
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 disputed a couple of collection account w/gold Key Credit. They have removed XXXX item but are refusing to remove an additional Medical collection account in 2014. I advised them that 1 ) I never received documentation of the bill XXXX ) My family and I receive Medicaid and Food stamps because we are low income. I recently spoke to them advising them I can provide them with my medicaid number and they refused to speak to me futher. This collection on my account has caused signficant damage to my credit anc my chances of enrolling in the 1st time Home Buyer Pram for low income familes. Please help me!


Date_received: 05/11/2016
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: Experian
State: FL
ZIP_code: 320XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
When ordering my free annual credit report from XXXX, XXXX and Experian, Experian has consistently not given me online access after I have given all my correct personal information AND correctly answered all their " security questions. They state because of "" security issues '' that they have to mail me a "" secret number '' and then I will be able to come back to their site and view my report. NONE of the other credit bureaus do this to me. Experian has CONSISTENTLY made it difficult for me to obtain my free annual report for over ten years! Sometimes even requesting phone numbers from 20 years ago to verify my identity. I am XXXX years old and can hardly remember a phone number from last year much less 20 years ago. I am be harassed!"


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Synchrony Financial
Issue: CA
Subissue: 907XX
Company_public_response: Consent provided
Company: Web
State: 05/06/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
2. according to the FCRA the number one way companies validate an account is through a signature neither of the entities above have done so.


Date_received: 05/17/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: NCB Management Services, Inc.
State: IL
ZIP_code: 605XX
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 received a letter from NCB Collections attempting to collect a debt that I do not owe. I disputed the debt. They sent me a response letter with purported information that says I do owe the debt. However, as you will see, this application is not in my name ( not even the correct sex ), not my address, not anywhere close to me at all. In fact, NCB violated someone else 's privacy by sending me this information ( an XXXX XXXX to be exact ). Again, they did not verify the debt belongs to me, since what they sent me is for someone else entirely and they violated that person 's privacy by sending me their information. I am enclosing the dispute letter I sent to NCB along with their response and document.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: AL
ZIP_code: 352XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
IRS lien filed on same date as paid. XXXX/XXXX/2010. Lien should not have been filed. In any event in the best interest of all parties this item should be removed


Date_received: 05/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2015, a hard credit pull was done on my credit report by XXXX. I contacted XXXX Credit Card Services and they declined that they were even XXXX. After doing further research, I confirmed that XXXX is XXXX. I have never applied for a XXXX Credit Card, Mortgage or Personal Loan.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Company: Equifax
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:
EQUIFAX HAS REFUSED TO UPDATE MY CREDIT REPORT AS REQUESTED TO REFLECT MY FULL CREDIT HISTORY. EQUIFAX ONLY REPORTING 4 YEARS OF CREDIT HISTORY WHEN MY CREDIT HISTORY BACK DATES TO 2002. PROVIDED PROOF AND STILL DECLINED TO ASSIST.


Date_received: 04/16/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/20/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
There is a collection item from Doctor 's Business Bureau - XXXX for {$220.00} from XXXX/XXXX/14 on my Equifax report but I do not recognize this collection item or have an record of this collection.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: TransUnion Intermediate Holdings, Inc.
Issue: AR
Subissue: 716XX
Company_public_response: Consent provided
Company: Web
State: 05/11/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
XXXX showing XXXX loan with Account Number XXXX DEPT OF EDUACATION/XXXXshowing XXXX loans Account Number XXXX XXXX showing XXXX loans with Account Number XXXX


Date_received: 05/14/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: GA
ZIP_code: 301XX
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:
My landlord and I settled our difference last year. I am still living in same apartment. the investigators from credit bureaus ( equifax XXXX ) go to courthouse and view all public records and make their own interpretations of what is read. My particular case says it is closed and status is settled. The investigator took back to their office that their is an open judgement against me in the amount of XXXX and this was placed on my credit report and caused my scores to drop XXXX points. I have to dispute the validity of this entry and this can cause havic in a person life based on what is going on.The dispute process can take 30 to 45 days. Business deals can be lost because of this erroneous judgement call. There really need to be changes made on how information is provided on an individuals credit report since so much weight is placed on the credit report.


Date_received: 04/28/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: VA
ZIP_code: 221XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX unauthorised charged my Father XXXX XXXX 's Card # XXXX for Refinnce my car at a low rate byOpenRoad Lending who wanted to get credit score on payment of {$1.00} only but they charged on XXXX/XXXX/16 not only {$1.00} but made another {$29.00} ( by XXXX ) as regular monitoring service which was never authorized and was even within 7 days of Free Trial period ( which I did not subscribe ) but XXXX not only refusing to refund but agresively pressurizing by sending repeatedly emails and not even clearly confirming that the service has been cancelled.I suspect it to be Fraud and ID Theft by both XXXX and OpenRoad Lending.The address and contact # ofOpenRoad are XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Ph # XXXX Web : XXXX.MY Father 's card was closed by his Bank XXXX when they placed the transaction under Dispute.


Date_received: 05/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: GA
ZIP_code: 302XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX XXXX was asked to remove the negative information for my credit report and my spouse. XXXX refuse went to XXXX in XXXX XXXX, Georgia. Judge determine case was too old and should be removed from ALL bureaus. Sent information about the reports and the bureaus Equifax and XXXX and XXXX XXXX. XXXX XXXX remove the negative XXXX for myself and not my spouse. At this point the information was to be removed based on age of the account not its collection practices that XXXX could not prove. Please ask that this information gets removed. My Social Security Number is XXXX my spouse is XXXX we are trying to clear this up since 2014. XXXX was told too old to report and must be removed from our bureaus. We seek to get this remove as the Judge states on the evidence of the status of age of the account.


Subproduct: Community Health Investment Company, LLC.
Issue: TX
Subissue: 797XX
Company_public_response: Consent provided
Company: Web
State: 05/13/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
PASI did not deduct the funds as agreed. when I contacted the agency a representative stated that my account had been forwarded to their legal department. On XXXX XXXX, 2016 I attempted to contact the law office. after making contact with a representative I was put on hold, I waited approximately ten minutes and I ended the call. on XXXX XXXX, 2016 I made contact with a PASI agent to attempt find out why they did n't debit the agreed upon funds, the agent stated the agreed amount was not sufficient to satisfy the debt, at which time she forwarded my call to another department which turned out to be avoicemail recording.


Date_received: 05/10/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: TX
ZIP_code: 773XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
XXXX and Experian are reporting an account with XXXX that does not belong to me. I never have had nor do I currently have an account with XXXX. Credit bureaus account numbers are XXXX and XXXX


Date_received: 05/15/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
ZIP_code: Transworld Systems Inc.
Submitted_via: MA
Date_sent_to_company: 021XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/15/2016
Consumer_narrative:
I had a bill from XXXX, which I *never* received. XXXX transferred it to a debt collection company - " XXXX '' XXXX XXXX

Company_public_response:
 which I called and PAID on XXXX XXXX. I have the confirm number for this payment. I now have a new bill from Transworld Systems for the very same bill

Company:
 XXXX... It is as if fedex ( or the creditors ) would like to keep collecting from me over and over."


Date_received: 05/10/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: Multi-Financial Services, Inc.
State: TX
ZIP_code: 786XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 07/08/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
I recently became XXXX and got behind on my mortgage payments, XX/XX/XXXX I had a face to face meeting with the president of habitat in my home in which he sent me an email on XXXX XXXX to tell me what amount to pay for the mortgage since they had XXXX different amounts, then when I got some money in XXXX XXXX I sent in 8 payments in the amount of {$380.00} to catch up and become current on my payments .The XXXX XXXX XXXX XXXX XXXX after 10 years took the money, dispersed it the way they wanted to and claimed I still owed back mortgage payments and is now threatening foreclosure on my home, I was informed of this through an email on XX/XX/XXXX, but was n't aware of any letter from the event! I was n't notified until I got a hold of the attorney on XX/XX/XXXX and then received certified copies on XX/XX/XXXX because the attorney sent it to an old p o box that he knew I no longer had as of 8 years ago! They are going to leave my XXXX year old daughter and her XXXX mother homeless, we have no place to go! They did give me a chance to sell it, but I was told I would get the equity out of it and they would keep the remaining amount, including any profit from the sale, now I did n't think that a non-profit organization could make and keep a profit off of a foreclosure sale of a XXXX XXXX home after 10 years? Maybe I 'm wrong, but it 's not right! Please help?? They have n't even given me a loan modification or forebearance? XXXX XXXX XXXX is suppose to stand for helping family 's in need not putting them on the street?


Date_received: 05/07/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company_public_response: but merely dismissed it by sending the letter."
Company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: Synchrony Financial
ZIP_code: GA
Submitted_via: 301XX
Date_sent_to_company: Older American
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/07/2016
Complaint_ID: Closed with monetary relief
Consumer_narrative:
XXXX charges were posted to my Sam 's Club Credit card on XXXX/XXXX/16. Both charges were made at a XXXX GA gas station. The first was {$58.00}, the second was {$170.00}. I called the bank, emailed the bank, and wrote a letter to the bank disputing these charges. I received a letter from the bank that states in part, " ... you have notified us that there is no longer a dispute. '' I never notified the bank that there was no longer a dispute. Synchrony Bank provided me no evidence that they investigated this complaint


Date_received: 05/05/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: to be over talked was absolutely disgusting when asking for a reasonable accommodation
ZIP_code: The Huntington National Bank
Submitted_via: OH
Date_sent_to_company: 444XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 05/05/2016
Consumer_narrative:
Huntington National Bank emailed me offering XXXX to open up an account, I decided to open up XXXX and have a settlement of XXXX directly deposited into the account. I then made an initial deposit of XXXX. The bank then did not post deposits then continued to charge me over draft fees. the Deposits then posted they credited the fees, I then went to pay for my prescriptions without notice they cancelled my account. They have left me pennyless without the life saving medication I need until the 7/10 days I receive my check from them. Hopefully by then I wo n't be hospitalized for going without my medicine for that long. I then contacted the bank and refused to tell me whats going on and required me to go into the branch, I asked for a reasonable accommodation, which at that point I believe he said I have to be " Big Man '' and deal with it. To be mocked

Company:
 When asked if that 's how they treat their customers he blunted stated that I 'm not a customers. He refused to give me any information besides his name is XXXX. The phone call Started at XXXX and they hung up 20 minutes later. Without the information I needed with just them being rude working me up so much I have been XXXX since incident."


Date_received: 04/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: Equifax
State: MA
ZIP_code: 021XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Bought a XXXX from XXXX which they, I, financed through XXXX XXXX. It was a installment sales contract. But on all XXXX credit reports it is listed as a revolving account and an installment sales contract. XXXX is the only one that lists it a installment sales contract. The other XXXX companies and hy cite refuse to alter the info because it is listed as a positive account, paid in full and never late. An installment sales contract would make it a mixed credit report and would raise my score from C to an B. When applying for a loan it was XXXX of the reasons listed for denying the loan. Also XXXX a utility company should be listed as a sales, as I pay month to month and not under contact. If I had bought a car or boat this is where it would be located under sale account.


Date_received: 05/02/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: TX
ZIP_code: 752XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX, 2016 a copy of my credit report was obtained by Citibank. I did not authorize this nor did I apply for anything. I am in the process of trying to buy a home and this dropped my credit score XXXX points and has affected me drastically. I contacted Citibank via telephone and was told I was not a customer therefore they could not help me. However they can pull my credit report and not tell me why! My lender as well as the credit bureaus told me that if they could provide me a letter stating that this was done in error they could remove this inquiry on my credit report so it would not stay there for 2 years. I need this done immediately. This inquiry could prevent me from buying my house!


Date_received: 04/08/2016
Product: Credit card
Issue: Cash advance
Company: Capital One
State: WI
ZIP_code: 535XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I applied for a capital one card back may of last year. this pass fall of last year i took out a cash advance. i sent in payments amount that should have paid XXXX of the cash advance amount. When i look at my XXXX statement i was shocked that my cash advance amount had not deminised at all. So i called capital one to see why my cash advance amount had n't went down. I was told that after they fees amount have been deducted then whats left over would be split and XXXX half of that amount would be subtracted from the purchase amount and the other half would be used to reduce the cash advance amount. So I decided to continue to pay far more than the minimum amount due so that was left over would completely reduce or in my case totally gotten rid of the cash advance amount. Three months late to my shock the cash advance amount was still the same. Being greatly concern and in anxiety about this I called capital one again. Now they tell me that I have to pay the entire balance on my card ( purchase and cash advance ) amount in order for the cash advance amount goes away.They said that cash advance amount would remain the same forever, and they will continue charging interest on the full amount continually forever otherwise. This is criminal, i would fair better at XXXX robbery. This is so wrong on so many levels.


Date_received: 05/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: MN
ZIP_code: 554XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I am a victim of identity theft and have a unauthorized and fraudulent account from the XXXX. I never applied for or attended the XXXX. The following account is unauthorized and fraudulent, and I want the account deleted from my Equifax credit report immediately.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Wells Fargo & Company
Issue: NC
Subissue: 282XX
Company_public_response: Consent provided
Company: Web
State: 05/04/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
4. Given our aging population, seems there should be more uniformity of federal banking requirements on how to deal with beneficiaries. Having done this not, seems like its all over the place. Some banks do beneficiaries online, others only Trusts, or you have to go to a branch. It is not uniform. Some banks are easier, others are near impossible to deal with. A uniform requirement would make things easier for the living loved ones.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: FL
ZIP_code: 337XX
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 get an account report with Equifax showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around


Date_received: 05/15/2016
Product: Credit card
Issue: Closing/Cancelling account
Company: Amex
State: VA
ZIP_code: 221XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
American Express cancelled our XXXX American Express credit card account, but did not disclose that we would lose the cash rebate we had earned. The week of XXXX/XXXX/16, my wife had called to cancel the American Express XXXX Credit Card. She was told by a customer service representative that we could apply our cash back rebate of about {$15.00} to our final bill or we could receive it as a check. My wife was not able to complete the transaction because she was not the name on the account. I called American Express on XXXX XXXX, 2016 to cancel the account. The representative cancelled the account before I asked about the cash back rebate. At that point in time she told me that the only way XXXX could get the cash back rebate was to enroll in the XXXX XXXX program for XXXX. The very reason we were cancelling the XXXX American Express is that we do n't want to enroll in the XXXX XXXX program and were told by American Express in order to not be automatically enrolled we had to cancel by XXXX XXXX. I spoke to a manager who confirmed this information. I told the manager that we had been told we could apply the cash back rebate to our bill and that American Express had not disclosed that we would lose the cash back rebate by cancelling the card. The manager informed me that American Express was opening an investigation and that I could call back and get information in 10 days.


Date_received: 05/09/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: GA
ZIP_code: 300XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/09/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Staring in XXXX XXXX, I was issued a new Banana Republic XXXX XXXX Card issued by Synchrony Bank as my old card was cancelled due to fraudulent activity. I had been diligently paying the balance on this old card. I was also paying the balance on the new card, but by my mistake, I accidentally sent the payments to the old, cancelled account number, meaning that the bank was getting payments but not applying it to any balance. The bank did not contact me about this error or do anything to rectify it, in effect just keeping the 'free ' payments I was sending them without applying it to any account. The payments I was meaning to apply towards my new card I was mistakenly making towards the old card until XXXX XXXX. The bank was notified by me in XXXX XXXX about these misapplied payments and was told that this would be investigated and the payments would be re-posted to the new account and that this should be resolved in 4 weeks. I waited until XXXX XXXX and the issue was not resolved, and I kept receiving statements from the bank for money that I had already paid. I called the bank again several times and was told that there is an investigation and that it would be resolved in a few weeks. I have called several times again, recently on XXXX XXXX, XXXX and was told the same thing. This issue has caused my credit score to drop significantly as a negative factor was placed on my credit score noting that the card was paid " 60 days late '' although I was paying the bank on time to the old credit card and the bank has done nothing to rectify the issue."


Date_received: 05/04/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company: TD Bank US Holding Company
State: NJ
ZIP_code: 087XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I am a TD bank member and I had an issue with a company that was withdrawing from my account without my authorization and was taking out 4 different payments this also caused me to have overdraft fees. I went into my local branch to clear up the matter and they explained they could not help me.


Date_received: 05/11/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: Nationstar Mortgage
State: NJ
ZIP_code: 074XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
The Nationstar 'Mortgage Loan Statement ' itemizes XXXX late fee in the amount of {$27.00}. However, {$54.00} was added to the amount due, despite the fact that the payment was sent in before the specified date. I can find no explanation for the amount billed. Previous correspondence with Nationstar Morgage results in long delays in replies with no satisfaction.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company: Equifax
State: MD
ZIP_code: 208XX
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 spoke with the highest point of escalation with XXXX and they report that Equifax is blocking me from monitoring my credit. Additionally, every representative at Equifax in XXXX consumer division has told me that Equifax has deliberately and intentionally blocked me from credit monitoring services indefinitely. I need to protect my identity and credit accuracy with credit monitoring with all XXXX credit bureaus. I am being forced to pay {$15.00} - {$21.00} for a single Equifax report every time I need to check for inaccuracies versus a single monthly payment of {$2.00} - $ XXXX/monthly, a discount offered by XXXX XXXX XXXX XXXX for Equifax credit monitoring. I need this fixed.


Date_received: 05/27/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Mediation Recovery Center
State: OH
ZIP_code: 454XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/29/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
Four times in the last 10 years, a debt collection agency has written/called to collect a debt of a person who, by marriage, had the same first and last name as me. Each of the XXXX previous agencies has ( after every excuse in the book ) finally left me alone. And then apparently sold off this issue to yet another agency. When & how do I get relief from this abuse? At no time has any of these agencies ever been able to establish that this debt is mine. But they have obtained my SSAN and lie to me, saying my SSAN was on this debt, threaten lawsuit and credit reporting, and say that since I can not prove that this debt is not mine, they will continue to attempt collection. Well guess what? If the debt is not mine, how could I possibly have any proof about the debt, one way or another?


Date_received: 05/02/2016
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: Ditech Financial LLC
State: RI
ZIP_code: 029XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Green Tree changed the terms of my loan without ever contacting me or me agreeing to the change. I was paying my taxes separately from my mortgage for years. GT started to pay the city out of my payment without ever telling me. I went to the City to pay my taxes last XXXX 2015 and they said they were paid by my mortgage company. The problem I have now is because they took the taxes out of the money I paid towards my mortgage every month for 7 + months and reported me late on my credit report. I NEVER signed or agreed for them to pay my taxes. I have since gotten a modification ( took 3 + years of XXXX ) and they did finally lower my interest rate and I am now paying my insurance and taxes through them, but I never agreed to this before the modification. I want the late for 7 months taken off my credit report because it is not true. I was not late, they changed the terms of the loan without my consent or knowledge. Please respond.


Date_received: 05/12/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company: Sterling Home Loans Inc
State: CA
ZIP_code: 925XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/12/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Like many others, we have been facing difficult financial times for the last few years. Late in 2013 we took a XXXX mortgage on our home to catch up on our bills and to help launch a business that would get us back to work. The lender ( Sterling Homes ) took a second position on our home. By the time they had the money for us we were desperate, and they smoothed through the XXXX pages of documents so quickly that we signed without really understanding what the paperwork said. Turns out the loan was to be paid back with interest only payments of $ XXXX monthly due to a 16.26 % annual interest rate and {$9000.00} in fees ( over 10 % of the loan amount ). Worse, they slid a clause in their fine print that says they can foreclose even if the first is brought current. These guys presented themselves as banker type lenders, but they were loan sharks. The terms of the loan are usery and they should never been able to charge such exorbitant rates and fees especially when the loan was secured by an owner occupied home. They said they were lending my business money, but they showed little or no interest in it at all. The business still has n't launched and money is still tight so we are almost 7 months behind now on both the XXXX and XXXX. The XXXX is with XXXX and they have agreed to a loan mod beginning XXXX XXXX that will substantially reduce my payment, get me current and waive all their late fees. The problem is that the second lender has a XXXX XXXX foreclosure date and will not grant any kind of modification, nor even let us catch up. They are requiring us to pay off their loan in full before XXXX XXXX or forfeit the home where we have been raising our boys for XXXX and XXXX years. They want to steal our equity even though we have owned the home for over 19 years, borrowed money from them only 3 years ago, and only owe about {$6000.00}. Please help us force them to modify their loan to allow us to keep our home. They have already made over {$30000.00} in straight profit for lending us $ XXXX and we still owe them the entire $ XXXX! They took advantage of our desperation and now they are trying to take our home even though the first lender is working with us. We need your help!


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure
Company: Ocwen
State: CA
ZIP_code: 953XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX a fradualant company called XXXX XXXX XXXX manged BY XXXX XXXX claims to have rights to a heloc loan Residential capital that went bankrupt in XX/XX/XXXX, residential capital servicing rights were bought buy Ocwen filed a false notice of default, his investor XXXX claims to have bought the property at a trustee sale, and XXXX XXXX assigns the property to XXXX BEFORE THE SALE, this was a XXXX lien and we were current with first lien and was in the property for XXXX years, when we landed in a unlawful detainer court stating we are now tenants and XXXX is our landlord he never shows up in court and the court violated our rights of due process because the judge went against his bench guide XXXX because this was about title and not about rents and they should of never been able to take our house under false pretenses and criminal intent. XXXX has never paid off my first lien they just rented my house out for a year and now it is just sitting empty. On XXXX XXXX XXXX ASSIGNED THE GRANT DEED TO XXXX XXXX another fraudulent company of XXXX XXXX stating there exempt for any transfer fees? The house XXXX XXXX XXXX XXXX ca XXXX was upside for years but once it got back up this vulchers came out of the wood work getting the new secretary of stale XXXX in place all in XX/XX/XXXX and all our each others agents/ mangers all from XXXX XXXX XXXX fraud scam they have no proof of this debt because I ask for validation of claims and they could n't produce any, also they have a fraudulent trustee in place XXXX XXXX XXXX has no rights as a false trustee to give our house away and claim XXXX in debt charge off claim. XXXX IS A CRIMINAL HE ALSO GOES UNDER XXXX AND XXXX, SO HE WONT HAVE A XXXX XXXX, also XXXX XXXX XXXX AND XXXX XXXX XXXX XXXX XXXX ARE ALL PART OF THIS SCAM THERE INVESTORS FOR THE MORTGAGE RIMICS, AND SEVICING POOLS, SCAMMERS.


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

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


Date_received: 05/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company_public_response: I have made all payments on time more over I have paid XXXX to creditors sins this report
Complaint_ID: 05/09/2016
Consumer_narrative:
I asked Transunion why the dropped my XXXX score by XXXX points, of course they just could n't answer the question, so they said the account listed below is the reason listing " new information '' this is totally false and inaccurate


Product: claiming it was the only way to pay
Complaint_ID: Yes
Date_received:
The agencies also allege that Green Tree pressured consumers to make payments via XXXX, a third-party service that charges a {$12.00} " convenience '' fee per transaction


Date_received: Mishandled Loan Modifications and Delayed Short Sale Requests According to the complaint
Product: in many instances
Issue: receiving collection calls
Consumer_narrative: even for programs that prohibited the company from requiring up-front payments. In addition
Company: miss other loss mitigation options
Complaint_ID: Yes
Subproduct:
 Green Tree failed to honor loan modifications that were in the process of being finalized when consumers ' loans were transferred from other servicers to Green Tree. This resulted in consumers making higher monthly payments

Subissue:
 and even losing their homes to foreclosure. Green Tree also allegedly misled consumers about their loss mitigation options. The company told some consumers who were behind on their mortgages that they needed to make a payment to be considered for a loan modification

Company_public_response:
 Green Tree took up to six months to respond to consumers ' short sale requests despite telling them it would respond much more quickly. These delays caused consumers to lose potential buyers


Product: Company believes the complaint is the result of a misunderstanding
Subproduct: Ditech Financial LLC
Issue: NC
Subissue: 282XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 03/29/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Misrepresented Account Status to Consumers and Credit Reporting Agencies Thank you for your support."


Date_received: 04/20/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Credit decision / Underwriting
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Bank of America
State: CA
ZIP_code: 956XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
In 2015 BofA suspended my home equity line of credit because my credit scores had dropped. I had never been late on any payment and there was a XXXX balance at the time. I inquired about the issue and was told my scores needed to be XXXX or above. I paid a 3rd party to help with this and increased my scores to between XXXX & XXXX ( current ). I requested reinstatement of the equity line from BofA and it was rejected. I just refinanced my home with a different lender and was charged {$450.00} to close the suspended equity line, plus {$39.00} for the payoff amount request. The suspended equity line was continuing to damage my credit, BofA would not reinstate it even though I had raised my scores well above the level they said acceptable. I understand charging to close an active home equity line of credit, however, suspending the account, damaging my credit with that action, and not allowing me to close the account without charging me {$480.00} amounts to extortion. I would like a refund of the {$480.00}.


Date_received: 05/03/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: IL
ZIP_code: 606XX
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 submitted a dispute against Well Fargo Auto Finance via XXXX XXXX for my credit report stating that I have an open car loan. After the investigation with XXXX XXXX, that account was marked closed. On XXXX XXXX, XXXX, Wells Fargo Auto Finance reported the status as open and they updated the account from XX/XX/XXXX to date as a charge off. I am currently in a Chapter XXXX, where Wells Fargo Auto Finance is included and to my understanding, they are not supposed to be reporting on my credit report at all as they are under my bankruptcy, and they have done so.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: DataMax Corporation
State: SC
ZIP_code: 297XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Interstate Credit Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 05/03/2016
Product: Debt collection
Subproduct: Auto
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company: NCB Management Services, Inc.
State: MO
ZIP_code: 641XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There is a collection listed reporting which I do not owe. I have disputed with no actual validation. Please help I have never did business with this company.


Subproduct: Amex
Issue: MI
Subissue: 481XX
Company_public_response: Consent provided
Company: Web
State: 05/12/2016
ZIP_code: Closed with monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
2. I have not been reimbursed the expenses I incurred to verify my identity as I told. This is all recorded and I have submitted the invoice as well as the request of a credit for the harassment they incurred.


Date_received: 05/05/2016
Product: Credit card
Issue: Payoff process
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: CA
ZIP_code: 936XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/05/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
Care Credit, which is owned by Synchrony bank, issued credit for dental some work performed on my daughter. It was a promotional no interest for 18 months. I have been paying on time with automatic payments and was not properly notified the no interest was coming to an end. No emails or phone calls. Now they have charged me 27 % interest on everything. I called them and offered to pay the remaining balance because the no interest ended only on XXXX/XXXX/2016 and today is XXXX/XXXX/2016 but they refused and still want to charged me the 27 %. This is extremely overboard. What can i do about this?


Date_received: 05/02/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: the notices come in
State: I have to rack everyone down
ZIP_code: SPS still drags their feet
Submitted_via: and eventually they pay
Company_response: they reluctantly paid me back
Timely_response: but did not compensate me with interest
Complaint_ID: but even I am uncertain if they are still charging me for the late penalty."
Consumer_narrative:
Roughly three years ago, I purchased a new home at XXXX XXXX XXXX, XXXX VA, XXXX. From the point of closing I said up an escrow account to be sure that all my taxes and insurance were being paid in a timely manner. However, from the point the mortgage began, the company who is servicing my account " Select Portfolio Servicing ( SPS ) '' has been delinquent in paying my taxes every single time. Every month I receive threatening tax collection notices from XXXX county and the tax collecting company that they use. I then have to spend hours of my time every month tracking down SPS to make sure they are paying the county

Company_public_response:
 and then following up with the county only to find out that despite promises SPS did not make payment. The pattern repeats itself every six months when my taxes are due. SPS does not make payment

Date_sent_to_company:
 after incurring massive interest and penalties. One one occasion I even noticed that SPS was making me pay for the late fees. After I pointed this out

Consumer_disputed:
 which is ironic considering how much interest they charge me for borrowing money from them. I am a pretty sophisticated consumer


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company: Round Point Mortgage
State: CA
ZIP_code: 920XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been trying to complete a short sale with Roundpoint mortgage for over 2 years. They continue to stall and keep asking for more documents. I finally completed all their document requests as of XXXX XXXX. I was told they have a " complete package '' that was submitted to "" processing dept ''. I was told they would make a decision in 30 days.. It has been 47 days and they still will not make a decision. I have a cash buyer that will not wait much longer. This is my XXXX cash buyer. All other cash buyers have walked due to the delays from Roundpoint.Their last excuse was the the buyer 's name was not spelled correctly. I feel that I am not being treated fairly and they should not take this long to approve or reject my short sale request."


Date_received: 05/02/2016
Product: Payday loan
Subproduct: Payday loan
Issue: Payment to acct not credited
Subissue: Payment to acct not credited
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Advance America, Cash Advance Centers, Inc.
State: TX
ZIP_code: 750XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I received a loan from this company with a large interest rate on the loan. I am unable to pay the ballooned interest rate and wrote them a letter stating I wanted to cancel the loan and pay the interest rate. They excepted my payments of {$150.00} ( XXXX ) in which the loan was {$1000.00}. which my account balance should be {$700.00}, they tried to take {$1200.00} from my account. They are being not being reasonable and they continue to call family members harassing them stating I am a dead beat and not paying none of my bills.


Date_received: 05/07/2016
Product: Consumer Loan
Subproduct: Vehicle lease
Issue: Taking out the loan or lease
Company: Check into Cash, Inc.
State: AZ
ZIP_code: 852XX
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 got a car loan for my XXXX toyota tundra, i had paid off the entire loan on XXXX XXXX, XXXX. I went to the MVD to get my title back into my name to learn that the company 'Check into cash ' had not given me my title back and still had a hold. I 've contacted them numerous times through visiting them in person and calling. I 've been unsuccessful in getting my title back.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Barclays PLC
Issue: MA
Subissue: 023XX
Company_public_response: Consent provided
Company: Web
State: 05/01/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
I would like to know how a company can sign me up for a credit card and then charge me late fees for money I never used from them. I never activated the card or used it and I paid my bill on time to the company I made the charge with.


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company: URS Holding, LLC
State: CA
ZIP_code: 916XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed
Complaint_ID: Yes
Consumer_narrative:
Someone used my personal information and identity to create this fraudulent account. I did not give anyone permission to use my personal information and did not know this account even existed until I viewed my credit report. I have provided the debt collections agency with my police report, FTC Identity theft affidavit and letter of disputes. They continue to verify this fraudulent account with the credit bureaus and report it. They have neglected to remove this fraudulent account from my credit report and collections. I have sent them XXXX certified letters requesting


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company: Encore Capital Group
State: IL
ZIP_code: 622XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Midland Funding is lowering my credit report and creating problems for me by reporting a Collection account on my credit report. This debt is NOT mine and yet they continue to ignore my requests to remove the derogatory remark. I ca n't understand how they can ruin someone 's life without providing any proof a debt is owed. If the CFPB ca n't help with situations like this I question why it even exists? The credit reporting agencies dispute procedure is useless in these situations and need to be changed.


Date_received: 05/10/2016
Product: Credit card
Issue: Closing/Cancelling account
State: JPMorgan Chase & Co.
ZIP_code: NC
Submitted_via: 275XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/10/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I received a letter on XXXX XXXX, 2016 from Chase stating that they were closing my account effective XXXX XXXX 2016 because " continuing the relationship creates possible reputational risk '' to their company. I immediately called Chase at the number provided on the letter. They then connected me with an "" account specialist '' who really had no answer for me. All she said was that "" chase has made a decision to end the relationship with my account and will be closing it ''! I asked why? No answer was given other than she had no notes in the system that could explain their reasoning??? I have not been late on a payment

Company_public_response:
 never missed a payment and my balance is low! This will cause a negative effect on my credit score without just cause or reason. I would like Chase to reverse this decision."


Date_received: 04/28/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Experian
State: CA
ZIP_code: 958XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Applied bank knows that my info was stolen and now does not know who owns my debt and will not take it off my credit report. I was told several times that someone would call me back but no one called. Everyday my credit is not being fixed me and my family suffer with bad credit. Please help they do n't even have my name in there system. But there name is the only one to contact about the debt.


Date_received: 05/06/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: then {$85.00} ''. I printed the offer from the Internet as support ( attached )
Date_sent_to_company: 2016 with the support and sent it to Chase as per their request. On XXXX XXXX
Company_response: 2016
Timely_response: I received a response from Chase dated XXXX XXXX
Consumer_narrative:
On XXXX XXXX, 2016, I applied for a XXXX Rewards Premier Credit Card online that offered XXXX bonus points after the cardholder spent {$3000.00} on purchases during the first three months from account opening. I had reviewed the offer online before I decided to apply, and had verified that there was no annual fee for the first year. The offer explicitly stated, " Introductory Annual Fee of {$0.00} the first year

Company:
 and it can be seen at the top of the second page of the document that shows "" Limited Time XXXX Bonus Points '' on the first page. After applying for the card online that day

State:
 I immediately received a response from Chase that my application had been approved ( attached ). I received the card XX/XX/XXXX and quickly charged {$3000.00} to ensure that I received the XXXX bonus points. When my first statement came ( attached )

ZIP_code:
 my husband noticed that I had been charged an {$85.00} Annual Membership Fee and asked me if that was correct. I pulled the documentation I had printed the day I applied for the card and verified that it said the annual fee was {$0.00} the first year. We immediately called Chase to have them correct the situation

Submitted_via:
 but the customer service representative could not find the offer and said I would have to send in a letter with my support. I drafted a letter dated XXXX XXXX

Consumer_disputed:
 2016 declining to waive the {$85.00} fee ( attached ). They did not explain why they would n't waive it and just said that the enrollment offer did not include an annual fee waiver for the first year. I immediately called the customer service number and asked for an explanation. The person I spoke with could not offer an explanation

Complaint_ID:
 so she transferred me to a supervisor named XXXX. He would not provide his last name when I asked. I explained my complete frustration with the situation and demanded that they waive the fee as per the documentation I had submitted


Date_received: 05/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Reinserted previously deleted info
Company: Equifax
State: MD
ZIP_code: 208XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/18/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Please see attached for additional documents re : previously deleted and reinserted judgment on my credit file. The item was previously disputed, investigated and deleted. Equifax chose to reinsert the judgement at their discretion and subsequently ruining my credit score. I sent a document on a letterhead from the creditor asking that this judgment not be reported as the left the judgment in efforts to pursue other party on account and not me. I have verbalized this to every employee that has answered the phone in consumer division at Equifax in XXXX. I have sent faxes and disputed relentlessly to get this judgment off my credit. They have now blocked me from monitoring my credit to determine if other errors exist and identity protection. Additionally, they have reinserted late payments that were removed by the credit grantor ( XXXX XXXX XXXX ) last year. The credit grantor is not reporting late payments on my lease that started on XX/XX/XXXX. There is no issue with XX/XX/XXXX lease and it is not being disputed. I want to be clear about which lease as Equifax has deleted other accounts with pristine credit history and subsequently lowered my car buying FICO by almost XXXX points. I have financed and paid off XXXX other vehicles in the past 7 years. I only have XXXX paid car reporting with this CRA as Equifax at their discretion deleted the other XXXX paid in full accounts. They have further gone and deleted years of pristine credit card payment history in the last 30 days as retaliation to complaints filed Maryland OAG, XXXX, and other regulatory bodies of the government.


Date_received: 05/04/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Taking out the loan or lease
Company: Company believes it acted appropriately as authorized by contract or law
State: Byrider Franchising, LLC
ZIP_code: OH
Submitted_via: 452XX
Company_response: Consent provided
Timely_response: Web
Consumer_disputed: 05/06/2016
Complaint_ID: Closed with explanation
Consumer_narrative:
I purchased a car through JD Byrider in XXXX that was financed through CNAC Byrider Finance LLC and had 24 months to pay. I started experiencing some serious problems with the car and took it in for repairs and paid {$400.00}. XXXX XXXX stated that they repaired the car but the car was not repaired in fact XXXX XXXX stated that they made the wrong repair and because of their mistake that said " we'er just going to put you in another car ''. I thought it would be an even exchange however

Company_public_response:
 I ended up paying a {$1000.00} "" deferred down-payment '' in addition to the {$500.00} cash ( down payment ) and the {$400.00} car repair. to sum it up 'm now paying XXXX {$190.00} bi-weekly payments started XXXX 2015. The sales price for the car "" they put me in that I thought would be and even exchange I believe around ( {$6500.00} ) has been fiance for {$13000.00} at 20.999 % interest with the total sales price being {$21000.00}. I feel I 've been rip off can you please let me know if you can help me with this matter."


Date_received: 05/04/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company: Portfolio Recovery Associates, Inc.
State: NY
ZIP_code: 112XX
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 do not have any open accounts with this creditor. I did, but settled and paid it off many years ago. I am upset and confused as to why this is appearing on my account all of a sudden.


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: 06/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Credit Bureaus stated that the customer must confirm that the credit information on your report is accurate regardless of the model used. These Adverse Key Factors not being deleted from credit reports are contradictory, because these comments are totally inaccurate.


Date_received: 05/02/2016
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: BB&T Financial
State: PA
ZIP_code: 171XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Susquehanna Bank, did not route my check properly. Did not disclose the terms of collection of Cashiers Check. Then Susquehanna filed Criminal Charges stating that I forged a check, Due to Susquehanna Bank Discretionary, practices, they have since, change the name to BB & T, which has also caused Financial Discrimination recorded by XXXX. My attorney will be filling International Criminal Complaint under the Mines and Mineral Act to be serviced by the Director of International Finance.


Date_received: 05/17/2016
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: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Last week we contacted Ocwen regarding the account and the status of an upcoming foreclosure sale. The customer service rep for Ocwen stated that there was no sale pending and that information was being reviewed on a notice to correct an error. The representative talked about is going online to complete modification paperwork. When we went to Ocwen online we found that Ocwen already had some type of workout plan under review. I setup another appointment with a relationship manager to check the status of any workout or alternative to foreclosure that was under review by Ocwen. The scheduled appointment was held at XXXX today XXXX XXXX, 2016. The relationship manager stated that there was no pending sale and that modification documents would be sent out. Prior to the XXXX meeting the law office representing the trustee sent an email at XXXX stating that they were informed by Ocwen to proceed with the sale scheduled for Friday XXXX XXXX, 2016 at XXXX. While on the phone with Ocwen, I was not aware that the attorney had emailed a conflicting status. Ocwen has not responded to the notice to correct the error that was sent around XXXX XXXX 2016. Ocwen did send a letter stating that they will respond to the notice. Also Ocwen did not provide the status of what they reviewing as an alternative to foreclosure.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of the West
Issue: CA
Subissue: 947XX
Company_public_response: Consent provided
Company: Web
State: 04/29/2016
ZIP_code: Closed with explanation
Submitted_via: No
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
We have tried to resolved this both via telephone and in person but are being told to wait and have not had these charges reversed. It has been seven days."


Date_received: 06/28/2016
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: Contract Callers, Inc.
State: GA
ZIP_code: 301XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This usurper company has been harassing me about a debt that I do not owe. They keep calling and after I give them my name and date of birth, will not give me full disclosure and did not read to me the mini miranda as required through the FDCPA for the state or federal. They have obtain my private information without my express consent or authorized signature and are scaring me


Date_received: 05/04/2016
Product: Credit card
Issue: Late fee
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: Bank of America
Company_response: WA
Timely_response: 981XX
Consumer_disputed: Older American
Complaint_ID: Consent provided
Consumer_narrative:
I am XXXX and I have a bunch of bank accounts and credit cards. I tend to watch things using wave accounting which generates reports covering everything making my life easier. Today I received the following report : XX/XX/2016 LATE FEE FOR PAYMENT DUE XXXX $ Uncategorized Expense MBNA Card I hope to prevent this in the future as I have put an " event ' in my smartphone calendar to remind me to pay it on the XXXX of each month. But I sincerely wish that Bank of America would notify me by email a day BEFORE they access the penalty

Company_public_response:
 rather than using a big "" net '' to rake in money from thousands of card holders who may make the same error I did. This is not fleecing XXXX

Company:
 but I am sure they make lots of money this way and I believe that as a courtesy they should automatically send me an email a day in advance so that I may remember to pay it

State:
 rather than hitting me over the head with a hammer with a {$37.00} charge. I am a good bank of america customer

ZIP_code:
 but I am afraid that there is some XXXX somewhere in the Bank of America corporation who gleefully manages the collection of these charges."


Date_received: 05/11/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company: Equifax
State: MD
ZIP_code: 206XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Myself and ex-wife are divorced. I released my rights to the property and gave her the real property in the settlement. She had 180 days to get the property in her name. She has been working with XXXX XXXX XXXX to get this done for almost 5 years. She finally had to filed a lawsuit against XXXX XXXX XXXX to have my name removed from the loan. She was successful in getting the judgement. However, XXXX XXXX XXXX will not stop reporting the loan on my credit. I have challenged the account with XXXX on numerous occasions with all XXXX of the credit b agency but they will not remove the account from my credit reports because XXXX continues to report this account as mine. I have a copy of the ruling where XXXX agree that I am no longer obligated under the loan and that she is solely responsible for the debt hence forth. I have attached the stipulation of release to each of my challenges with the credit agency to no avail. XXXX chooses to ignore the agreement with no regard for my rights. I want it removed from my XXXX XXXX and XXXX credit reports.


Date_received: 05/02/2016
Product: Debt collection
Subproduct: Medical
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Grant & Weber
State: OR
ZIP_code: 975XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/02/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I contacted Grant & Weber on XX/XX/XXXX and requested proof that this was my debt. I would like them to send me all the information pertaining to this debt. I do n't believe it 's mine.


Date_received: 05/11/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Blakely-Witt and Associates, Inc.
State: MD
ZIP_code: 206XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/11/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have asked Blakely Witt & Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 05/09/2016
Product: Credit card
Issue: Application processing delay
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: 618XX
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 opened this card under the assumption I would receive XXXX ThankYou points upon opening the card, with a spending requirement of {$0.00}. I 've called-in numerous times to hear these points would be awarded within 1 to 2 billing cycles. I just want these points so I can end this relationship with Citi.


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: HSBC North America Holdings Inc.
State: CA
ZIP_code: 913XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Hello, The incident happens, when I make a Payment to HSBC Mortgage services the Monthly payment of $ {$2000.00}. And during the payment I made by internet 1 ) of XXXX, 2 ) XXXX, 3 ) XXXX before the mature date of which is on the XXXX of the month thereafter when I try to make a payment of XXXX into make other payment in the system appears in their computer is on maintenances but during the payments they set XXXX charge of XXXX dollars of which I consider no justifications because is not my problem they having error in their system.


Date_received: 05/10/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Company_public_response: Company believes the complaint is the result of a misunderstanding
Company: CCS Financial Services, Inc.
State: CA
ZIP_code: 940XX
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 bought XXXX auto insurance through XXXX because XXXX gave discount to XXXX executive member, which I have been a XXXX executive member over 10 years. Everything was fine for a few years until I switched my auto insurance company to another auto insurance company. XXXX started sent me letter saying I owed them {$100.00}, I called to find out they said they did not have any record of I was XXXX executive member. I followed the instruction faxing the prove of XXXX executive member to XXXX over 10 times, after I faxed I called to find out if they got my fax, they always said there 's nobody able to see if the fax went through! The customer service DEPT said I should just wait if I got any mail to either confirm or asking for payment. This process was back and fore for over two months and still I kept receiving the bill demanding for the {$100.00}. However, the last statement I received was from collection then I called the collection company, trying to explain my situation. I offered to fax my prove of membership to the collection agency. But they said this was not their responsibility and referring me to contact XXXX to correct it. But XXXX never response if they received my prove of XXXX executive member. The collection agency said their job was to collect the money for XXXX. It became a never ending story.


Date_received: 05/08/2016
Product: Debt collection
Subproduct: I do not know
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Credit Protection Association, L.P.
State: TX
ZIP_code: 750XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/08/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have asked Credit Protection Assoc. to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.


Date_received: 06/28/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
State: fiscal responsibility
ZIP_code: customer service
Submitted_via: and due diligence thus far has been more than disappointing ; it is criminal."
Date_sent_to_company: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company_response: Freedom Mortgage
Timely_response: AZ
Consumer_disputed: 856XX
Consumer_narrative:
Freedom Mortgage, the company that currently holds the note on my primary residence, sent me a letter in XXXX 2016 indicating that I could refinance my primary residence for free. I took them up on the offer, and began the process. Now, more than 3 months later, they have still not finished the refinance, they continue to ask for meaningless information, and have increased the amount owed at closing to over {$2000.00}. Freedom has not done their due diligence to complete my refinance on time. In addition, they have displayed a gross lack of integrity by getting me to begin the process by offering a " free '' refinance

Company_public_response:
 and then increasing the amount of cash required at closing to over two-thousand dollars. That is called a bait-and-switch scheme. They have also not adjusted the term of the new loan over these past three months

Company:
 even though I have been paying my mortgage. That means they are illegally increasing the term of the loan. Their complete lack of integrity


Date_received: 05/14/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company: Equifax
State: IL
ZIP_code: 604XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
There is a legal item under public records on my equifax report and it says " satisfied judgement '' I have absolutely no knowledge of this judgement and i have never paid anything to even make it qualify as satisfied. I reported this judgement as inaccurate and equifax did absolutely nothing about it and its bringing my score down completely. I was never informed of this judgement not have I ever paid it. That public record file needs to be removed from my report immediately."


Date_received: 05/17/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: Tidewater Finance Company
State: TN
ZIP_code: 378XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I was XXXX payments behind on my car payments, I called the office of XXXX XXXX to try and working something out. I told them that I can make XXXX payments in XXXX, if they can help me with the XXXX, then in XXXX I can set up a monthly draft and have payments come out that way. I was told that they will would do the assistance once I made those payments. Once I did they told that they would not be helping with the third payment. In XXXX the transmission was going out on my car, I emailed XXXX told them that I could n't make the payments and save for a new transmission. They told me that if Imake the payment that they have XXXX more option that will help me with that time. Once again I made the payment and they are going back on there word and what they told me


Subproduct: Caliber Home Loans, Inc
Issue: MD
Subissue: 211XX
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:
Neither my lawyer or I am aware of where this statement originated from because I have been working with them for months to resolve this modification issue. Any assistance you can provide would be very helpful in working with my lawyer to acquire a loan modification on the property."


Date_received: 04/26/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Shopping for a loan or lease
Company_public_response: naively I went on line because I was preapproved! Well
ZIP_code: Citizens Financial Group, Inc.
Submitted_via: CT
Date_sent_to_company: 060XX
Timely_response: Consent provided
Consumer_disputed: Web
Complaint_ID: 04/29/2016
Consumer_narrative:
I received a preapproval from XXXX XXXX. The letter stated that due to my creditworthiness I could receive a personal loan at 5.99 %. With the letter I also received an " Invitation Code. '' So

Company:
 no one receives a 5.99 % rate or a rate close to that amount. I was offered a rate of 12.75 %! I have excellent credit so I was confused as I was preapproved. I called and spoke with XXXX VERY RUDE customer service employees and was told that they can change the rules at any time! So now my credit score will drop due to the inquiry and of course I am not interested in a loan at 12.75 %. This letter is extremely deceptive and is nothing but a scam."


Date_received: 05/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company: Equifax
State: IN
ZIP_code: 479XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Under Associated Addresses, Equifax report, wrong address is listed ... have never ever been to that state!!!


Date_received: 04/14/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker
Company_public_response: XXXX York
Company: XXXX
State: etc
Date_sent_to_company: from inception
Company_response: was Predatory in nature
Consumer_disputed: I do not feel that any one of them are legally entitled to execute a foreclosure
Complaint_ID: as each and every one of the banks
Consumer_narrative:
Bayview Loan finding doesNOT legally own my loan. My initial loan was originated by XXXX XXXX XXXX XX/XX/XXXX. On XXXX XXXX, XXXX ( one day before my FIRST mortgage payment was due I was sent a certified letter stating that I should not sent my payment to the address that was originally provided to me. I had quite obviously already sent my mortgage payment which was due on XX/XX/XXXX. I continued paying Residential Home Funding through XX/XX/XXXX, not knowing I had bee sold to a servicer AND bank that both ceased to exist. XXXX and any transfer of ABS was not made until XXXX XXXX. XXXX when I was served with foreclosure papers by XXXX, XXXX XXXX XXXX. Both the NEW assignment of mortgage note and the forclosure were under the name XXXX, with XXXX as the servicer and holder of my note, despite proper documentation being drafted some 7 months AFTER I had bee sold. Despite proving that I had continued to pay XXXX and then began paying XXXX, no knowing it was a deceased entity, no corrections were made to my balance, despite countless hours of calls and faxes proving I had always paid on time, but to the wrong company. This was never corrected and I was charged insurmountable fees and charges. Simultaneously my servicer and Note were sold yet again to XXXX XXXX XXXX, but with the note holder being XXXX. As XXXX and XXXX were intact deceased entities they did not properly and timely assign my mortgage to XXXX XXXX XXXX. Unbeknownst to me, I was yet AGAIN paying the wrong company and proper accounting never took place. I completed nearly 1/2 dozen HAMP, HOPE, and various loan modification documents for mediation with yet another forclosure mill, XXXX, XXXX, XXXX. After the first meeting, showing up to the second meeting where no one other than I showed up, I was never contacted again. XXXX never contacted me again and my foreclosure was mysteriously withdrawn. I should also note that ( more than 7 YEARS passed AFTER I, my note and servicer had been sold to XXXX and the " note holder '' XXXX ) and the XXXX paperwork was filed. This was also signed and transferred illegally via illegal XXXX documents that were filed within 6 days of my submission of a qualified Written Response. The actual transfer of my loan to XXXX was a document riddled with fraud as literally every signature on the document was a "" known robosigner '' and in fact the notary is currently in Federal Prison for white collar crime. The fact that the first assignment of my loan to XXXX was illegal

ZIP_code:
 have NO STANDING to represent a foreclosure upon my home and loan. In fact none of them ever legally owned it in proper. I therefore find it incredulous that ANY of the above parties have any standing in claiming that they are a servicer

Submitted_via:
 much less the holder of the note and therefore can not execute a legal foreclosure upon my home. The loan

Timely_response:
 which effectively removes XXXX XXXX XXXX from benign a place of standing for foreclosing upon my home. In reviewing and researching cases and the illegal activities of any and all of the aforementioned parties


Date_received: 05/03/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: SunTrust Banks, Inc.
State: FL
ZIP_code: 330XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
On Sunday XXXX XXXX after XXXX XXXX, I wrote a check payable to XXXX XXXX in the amount of {$31.00}. The one was mailed to a PO Box at XXXX Florida. Drove to the Post Office near my home and mailed the envelope. On Monday XXXX XXXX at XXXX the check cleared my bank account in the fraudulent amount of {$820.00} payable to a person that I have no knowledge of. My original check was completely changed, to whom it was payable to and the amount. I became aware of the fraudulent activity on XXXX XXXX around XXXX XXXX as i was checking my online account. I immediately called SunTrust Bank and reported that my original check has been misused. The representative on the phone took all the information and provided me with a case number, advised that it was going to take between 7-10 business days. Later on that same morning I went to my local police department in XXXX XXXX Florida and reported the incident. The officer took my statement and provided me with a police report number. That evening i contacted again SunTrust to provide them with the Police report case number. I then asked how long before my money is returned. At this time the story changed to 120 days. On Wednesday XXXX XXXX I called the bank again, trying to get answers and a status on my case. I was then told that everything was still under investigation and they had no available information for me at this time. Till today XXXX XXXX i still have not heard anything back from the bank no e-mail or any kind of correspondence explaining the progress of my case and or any resolution, nothing at all. I currently feel as a victim of fraud not knowing what to do in order to receive back the money that was stolen from my account. The money I though it was in a safe place. I have been a customer of SunTrust for over 6-years now, I though the bank will protect me as consumer and a victim of fraud. It seems by the way they are handling the case, they are not wanting to take any kind of responsibilities, my money was given away in minutes to a thief but i now have to wait 120 days to get my money returned. Any kind of help with this matter will be appreciated.


Date_received: 06/27/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: U.S. Bancorp
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 06/28/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
This is regarding my experience with Elan financial services. I had moved to XXXX, XXXX and became working resident here since XXXX 2013. I was locked out of my online account as I was using a different computer. Upon calling customer assistance they told me I needed a current credit card to be able to have access to my online account. However, my current credit card was sent to an old address in XXXX Colorado. Another thing worth mentioning is that the mail system in XXXX is extremely corrupt and I received about XXXX % of my mail sent from the U.S. The supervisor told me that the only way I could see my financial statements was if they sent them to me, or if they sent me my current card in XXXX. If they send me my CC to XXXX both my personal information and CC is in high risk of being stolen. All I want to do is pay off the balance, but I wanted to review my automatic payments over the last three years to ensure that my payments were properly allocated to both prinicpal and interest per my terms and conditions. However, they will only provide this with current CC information and they will only send this by mail, which will open me to both CC fraud and identity fraud. They will let me pay off the balance but they have denied me the right to review my statements and balance that I have been paying on for the last three years.


Date_received: 05/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: FL
ZIP_code: 337XX
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 get an account report with Equifax , XXXX and XXXX showing open and supposed to show closed as he was paid off completely. I request this account to be closed immediately and be reported to all credits bureaus in the 5 days turn around


Date_received: 04/14/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: Nationstar Mortgage
State: CA
ZIP_code: 923XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/14/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They continue to call me three sometimes four times day, regarding the payment for house. I have specifically asked, both written, email, and verbally not to call ( cell phone ). In the last three days they have called 6 times, initially using an auto dialer.


Date_received: 04/22/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Company_public_response: Company disputes the facts presented in the complaint
Company: Southwest Credit Systems, L.P.
State: IL
ZIP_code: 605XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/22/2016
Consumer_disputed: Closed
Complaint_ID: No
Consumer_narrative:
XXXX provided cable service to my sons address in XXXX. Whereas I live in XXXX. My son went online and used my personal information to obtain service without my approval.. XXXX failed to validate the online application and the identity ( ID ) for service. XXXX sent me to a collection agency SW Credit Systems L.P. for collection {$440.00} and reported the following on my personal credit profile. I filed and provided an Identity Theft Victims Complaint and Affidavit form and provided them proof on my residence in XXXX during the period and with XXXX additional forms ( bills ) to support my occupancy address. XXXX will not release the following ... I have my cell phone and cable service in XXXX with XXXX for the several years. They truly know I never obtained services.


Date_received: 05/15/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account status
Company: Equifax
State: DE
ZIP_code: 197XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/15/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I filed for Chapter XXXX bankruptcy in 2009 and the accounts that were included in the case were listed as charge-off status. XXXX have the accounts listed as closed charge off. But after several disputes Equifax keeps listing the accounts as still open with no closed date. Therefore it is still showing up as an open charge off account and reporting as late and not closed on my credit report.


Date_received: 04/20/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Frequent or repeated calls
Company: Capital One
State: AZ
ZIP_code: 853XX
Submitted_via: Servicemember
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/21/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I made payment arrangements on XXXX XXXX Calls started up on XXXX XXXX I returned one call to explain payment arrangements were made. Supposedly it was n't documented correctly and she fixed it. I received another call. She said she would make sure the number was removed and it would n't be a problem again. A third call was made- again the claim that it was not documented correctly. This is harassment. I owe less than {$260.00} and said I make the payments until the debt is settled.


Date_received: 05/01/2016
Product: Credit card
Issue: Other
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Wells Fargo & Company
State: TX
ZIP_code: 772XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/03/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I have been disputing a credit card account, that does no belong me, that was reported to all credit bureaus by Wells Fargo. The credit card belongs to my cousin who has had this card for more than 15 years, and in 2007, it appeared on my credit report. He called Wells Fargo to inform them that the card belong to him and should not be on my credit report. They told him all they could do is cancel the card but it will still show on my account negatively. He still use this card today. All these years this has effected my credit, my ability to get jobs, new credit, and most importantly, I have had to make some challenging life decisions because of this neglect from Wells Fargo.


Date_received: 05/13/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: SC
ZIP_code: 299XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
a state tax lien was filed against me XXXX/XXXX/XXXX, yet I was never notified of this. Then the tax lien was paid and released on XXXX/XXXX/XXXX. However, I was never notified of this matter and paid it once it showed up on my credit. Yet, it was my belief that I have 3 years to file any tax amendment 's if needed. I have disputed this for several years now with no luck. This is listed on all of my credit reports.


Date_received: 05/04/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company: Ocwen
State: WA
ZIP_code: 980XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/04/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
Ocwen has not responded as to how they are going to rectify the fact that their mistake or lie, upon which we relied and made financial decisions, will cost us a considerable amount of money, more than {$85000.00}. Did they lie to keep us in the house at a time they were being investigated and did not want a foreclosure or deed-in-lieu? Their attorney suggested this. We stayed in the house with a non-recourse loan, spent {$50000.00} on it and it needs another {$60000.00} spent on it and did not move to a new home without {$90000.00} in negative equity because they told us we had {$85000.00} in forgiveness or equity. Then 2 years later, when asked for paper work they told us we did n't. This not just about money, but also heart break. By my calculations, today this deception would cost us over {$200000.00}. Where is our restitution? Is their a group or agency I can go to, to pursue this matter?


Date_received: 05/16/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company: CashCall, Inc.
State: ID
ZIP_code: 836XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/16/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX has called both cell phone and office phone twice over a debt I received relief from in bankruptcy. The have told me they were a fraud department and arrest was going to happen in XXXX days. The first time I spoke with them I explained that they were in violation of bankruptcy laws. They said they would remove my record. Less than a month later they have made harassing calls again. The number they are calling from is XXXX. It was only after I refuse to give them any personal information did they finally tell me what debt they were after.


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Bank of America
Issue: TX
Subissue: 750XX
Company_public_response: Consent provided
Company: Web
State: 04/07/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
we filed for bankruptcy because of a situation that was out of our control. we qualified for bankruptcy because of that same reason. the bankruptcy included the home in XXXX XXXX, TX. the discharge clearly states we were not responsible for the mortgage loan any farther and to not make any payments towards it. no clear dates have been given regarding why it took the bank over a year to foreclosure. OR why we are responsible for the foreclosure if it happened after the discharge. please provide dates and why we are being penalize by this foreclosure. our credit shows the bankruptcy only and other than that our credit is in great standing. we are unable to get a home and there needs to be a clear explanation why.


Date_received: 04/05/2016
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: Essential Retrieval Group
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/17/2016
Consumer_disputed: Untimely response
Complaint_ID: No
Consumer_narrative:
My girlfriend was contacted by phone on XXXX/XXXX/XXXX by phone. A message was left stating that the agency would be delivering documents to appear in court and that XXXX forms of identification should be provided at time of delivery. To cancel this delivery, they would need to receive a returned call. She thought maybe this was a call for herself, as they did not mention a name in the message, so she called the number the agent provided to get more information. She spoke with an agent who went by the name of XXXX. The agent mentioned to my girlfriend that they were trying to reach me through her, that I owed a debt, what kind of debt was owed, who the debt was with and the year the debt was supposedly from. ( As a side note, they said the loan debt was from XXXX though I did not take out or owe on a loan, other than long-standing student loans, in XXXX. ) My girlfriend gave me all of the information they provided so I could look them up and report them, and all I 'm seeing are comments and reports of unethical and possibly illegal practices.


Date_received: 05/11/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: Equifax
State: CA
ZIP_code: 900XX
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 am filing this complaint Equifax has refused to provide me with documents regarding XXXX bankruptcy public records on my credit report. I am a victim of identity theft and have never filed bankruptcy. I also reached out to the court and was advised that the XXXX XXXX Court does not report information to any credit reporting agency, and does not have any information on file. This matter has now gone past 30 days unverified under section 611 ( 5 ) A ) of the FCRA, please have equifax delete this information, please assist with resolving this matter asap. Thank you


Date_received: 04/26/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Company: Sierra Holdings LLC
State: TX
ZIP_code: 770XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/26/2016
Consumer_disputed: Closed with explanation
Complaint_ID: No
Consumer_narrative:
Sierra Finances calls my relatives every single day. Each time disclosing all my personal business. They call my XXXX year old grandmother everyday and try and scare her into giving them my number, which they already have. Hey called me on yesterday at my jib4 times in a row. I have already told them I am not allowed calls and to cease and desist. I told her again yesterday and she over talented me and told me that is irrelevant. She just kept talking on the line that my manager was on listening to my personal business. She also talked to XXXX different people before me and was told I can not receive personal calls.


Date_received: 03/18/2016
Product: Credit card
Issue: Billing statement
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: CA
ZIP_code: 945XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/18/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
I refinanced my mortgage in XX/XX/XXXX, and part of the process is to pay my outstanding debts. The escrow sent me checks payable to Macy 's for {$2800.00}. I returned the checks because there was an excess of {$800.00} or more, because Macys wo n't refund me cash, instead will just give store credit. But until now the escrow can not pay my Macys debt. I called Macys and said they assigned me new numbers which they do n't want to give me or to the escrow company. I want to close this account, because Macys has been charging me twice for a late fee ( if I am late ), in XXXX credit card. I keep paying the balance of my Macys to avoid penalty fee and keep paying my mortgage including my collectible of {$2800.00}.


Date_received: 05/10/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: PayPal Holdings, Inc.
State: PA
ZIP_code: 170XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I have been a paypal user for nearly a year and was using a third party website to sell my products. Paypal told me I was wasting my time by not providing a high mark up on my items. Soon after they limited my account for selling goods purchased from the retail store. Quoted by the agent " Your Wasting Your Time ''. They now have over {$2700.00} and they have locked my account to release funds. I am filing a formal complaint to have my funds released. I no longer want to support this financial institution."


Product: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Subproduct: Specialized Loan Servicing LLC
Issue: NY
Subissue: 142XX
Company_public_response: Consent provided
Company: Web
State: 06/28/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: Yes
Complaint_ID: Yes
Date_received:
Is their any other programs for relocation/transition assistance? I have searched on line. I am not XXXX XXXX or XXXX.


Date_received: 05/10/2016
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Citibank
State: TX
ZIP_code: 760XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/10/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I just got my first credit card ever in the mail from XXXX. I looked at the free credit scanning program included with my card, and saw that I had a Sears Credit card with a balance of {$1400.00}. I have never owned a credit card from Sears. This charge needs to be removed immediately. I suspect my identity has been stolen.


Date_received: 05/17/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Company: JPMorgan Chase & Co.
State: CA
ZIP_code: 960XX
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 Home Equity Line of Credit with Chase. After I completed a loan modification with my mortgage in 2011, Chase tried to coerce me to do a loan modification on my loan with them. I refused because of the low interest rate. They then repeatedly called me to say I was late or had missed a payment, I knew I had not and when I asked them to indicate when I had been late or missed a payment they were never able to confirm that I was. After reporting to the credit agencies that I had been late 5 times on my monthly payments they forced through a loan modification without my approval and added well over {$2000.00} in fees to the loan.


Date_received: 04/30/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Taking out the loan or lease
Company_public_response: the company still has not granted the promised loan. When I requested the fees be refunded
Company: they said they could n't until a last fee was paid. Apparently
State: even though I was able to reconnect with these people
Submitted_via: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Date_sent_to_company: U.S. Bancorp
Company_response: TX
Timely_response: 794XX
Complaint_ID: Consent provided
Consumer_narrative:
An application was submitted several months ago and denied. Recently, US Bank has called to say a loan has been approved. I waited several weeks but decided to go ahead since US Bank is a reputable bank. After having to pay several " fees '' through XXXX cards

ZIP_code:
 they are not going to refund the amount paid or the loan. They said d it would take 45 days for a refund and yet they took the funds immediately. I want the fees refunded immediately."


Date_received: 03/18/2016
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: Ally Financial Inc.
State: MI
ZIP_code: 482XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 03/18/2016
Consumer_disputed: Closed with monetary relief
Complaint_ID: Yes
Consumer_narrative:
i purchase a vehicle from ally financial the total of the car {$9300.00} without taxes and interest added so after everything was added i finance {$10000.00} for the car it self and then it was {$2500.00} added for finance charges for the 48 month loan which brought my debt to {$13000.00}. paying {$280.00} a month for 24 months which totals the {$13000.00} ... now my issue is that my car got totals 19 months in have the loan.. so the insurance only paid off {$6600.00} the blue book value.. and after what i paid i got a bill in XXXX XXXX saying i owe them XXXX balance and at that time i was told my next payment was n't due until XXXX XXXX because they calculated the payments as advance payments.. but they did issue another bill in XXXX fixing the error saying my next bill was due in XXXX XXXX for {$280.00} prior before that on XXXX XXXX XXXX i start paying them {$15.00} a week just to be paying towards the bill so now i have paid about {$200.00} towards that bill, so i call in so they could subtracts what i had paid so far but they act like they had n't got any payment from me, so i kept paying up until XX/XX/XXXX because they would never acknowledge my payment so i stop paying them after reading my contract say my payments could be cheaper if my car got paid off early, so i inquire about that, but they would n't give me no information on that ... my contract charge me {$2500.00} for 48 months so if i paid it off in less then 24 month i should n't have to paid the full interest, they should 've have gave me a paid balance subtracting some of the interest, how can they still charge me for the 48 months interest when the car is almost paid off plus they where charging me a daily interest as well they said, i have all my receipt could you please inform me if they can continued to charge me for the full interest if i paid them off early, plus they have not subtract what i been paying weekly, i sent then a copy of my bank statement showing what they where taking out my account.. please help they are robbing customer taking extra interest from customer ...


Date_received: 05/13/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company: Equifax
State: TX
ZIP_code: 779XX
Submitted_via: Older American
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/13/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I went online to get XXXX reports. I got XXXX. Then tried to get the other XXXX. Equifax asked security questions and none applied to me. I have been sick a few years but I know they did not apply. XXXX asked questions and the said I could not be verified. I knew one question was wrong. My complaint is that they want a copy of my driver 's license and a utility bill. I live partially with my daughter. I can not provide that. Is this a way to discriminate against older people with health problems? Just going to the post office for this is a chore. My delinquent debts are from a time in the past few years where it was either eat or pay a bill. I would like to get this straight but ca n't. I also think you should be better monitoring how these XXXX can contribute to ruined lives with impunity.


Subproduct: JPMorgan Chase & Co.
Issue: CO
Subissue: 802XX
Consumer_narrative: Older American
Company_public_response: Consent provided
Company: Web
State: 03/24/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
They did a mod on my house and it was when my house was under water and they never offered any of the programs out there Amount of the payout. Borrowers who submitted a valid payment claim form through the XXXX received a check for approximately {$1400.00}. Checks first went out between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. ( The initial deadline to make a claim was XXXX XXXX, XXXX. ) Refinancing for Underwater Homeowners XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


Date_received: 03/29/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: Company can't verify or dispute the facts in the complaint
Company: Avadyne Health Holdings, Inc
State: IL
ZIP_code: 600XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/01/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
They sold the debt to a different debt collector but did n't remove their remarks from my credit. The debt has been paid regardless expect H & R Accounts wont remove it.


Date_received: 04/07/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: TransUnion Intermediate Holdings, Inc.
State: OH
ZIP_code: 441XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/07/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
I sent transunion a certified mail request for METHOD OF VERIFICATION form which I will attach for the following accounts that do not belong to me. The accounts are : SEE ATTACH DOCUMENTS According to my METHOD OF VERIFICATION form they did not send the requested information to verify these accounts. I also disputed a BANKRUPTCY which I called TRANSUNION and spoke with a representative who put me on hold to call the courts in XXXX Ohio only to find out they do not give out information on the phone but still did not verify the BANKRUPTCY but in there results they put " REMAINS ''. None of these accounts were verified TRANSUNION have not verified these accounts. I sent the METHOD OF VERIFICATION form certified and I have receipt to show and I can email a copy of the receipt to Consumerfinance.gov if requested."


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 is not mine
Company_public_response: Company believes it acted appropriately as authorized by contract or law
Company: ERC
State: OR
ZIP_code: 972XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/14/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Please have this removed from my account. the date i am showing it was opened is XXXX 2016 Balance : {$1200.00} Collection / Charge-off Open Account Negative Account As of : XXXX XXXX, 2016 Account Details Payment History Contact Info Account Number : XXXX Account Type : Collection Account Amount Past Due : -- Scheduled Payment : -- Owner : Individual Opened Date : XXXX XXXX, 2016 Original Balance : {$1200.00} Original Creditor : XXXX XXXX Creditor Type : Account in Dispute No that is all the info showing on my credit report. I was not with XXXX in 2016. I have been with XXXX since XX/XX/2016 and before that was an a friends account with XXXX. I believe this to be incorrect information and not something i should have effecting my credit report. please have this reviewed and please remove from my account


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


Date_received: 05/05/2016
Product: Credit card
Issue: Customer service / Customer relations
Company_public_response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company: Synchrony Financial
State: LA
ZIP_code: 713XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 05/06/2016
Consumer_disputed: Closed with non-monetary relief
Complaint_ID: Yes
Consumer_narrative:
Synchrony Bank/ Care credit is continuing to report incorrectly with equifax and experian after agreeing in writing to remove incorrect information. My original dispute in XXXX 2016 resulted in an agreement to remove from my file a 30 day late pay. XXXX months later this information is still being reported. It is absolutely ridiculous how unresponsive and difficult it is to navigate their dysfunctional system. I also intend to file complaints against equifax and experian because they are not reinvestigating because if they were the agreement in XX/XX/XXXX would be discovered, the item in question deleted, problem solved. People should not have to babysit their credit report.


Product: Company believes the complaint is the result of a misunderstanding
Subproduct: Sallie Mae
Issue: NJ
Subissue: 088XX
Company_public_response: Consent provided
Company: Web
State: 04/20/2016
ZIP_code: Closed with non-monetary relief
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
Retain these instructions. Please apply these instructions to all future overpayments. Please confirm that these payments will be processed as specified, or provide an explanation as to why you are unable to follow these instructions.


Date_received: 05/03/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: subsequently
Complaint_ID: Yes
Consumer_narrative:
Below is one of many letters written to Caliber explaining their multiple misappropriation of funds errors : We were instructed to write a letter to your department directly by XXXX, ID # XXXX today, XXXX/XXXX/2016 regarding the misappropriation of funds handled by your cashier department. There has been a total of {$3800.00} sent in for XXXX and XXXX mortgage payment that has not been applied to our account. Today we received a breach of contract letter and notice that foreclosure was impending by the end of this month. This in turn has allowed Caliber to qualify us as " in default '' therefore sending HUD documents via mail that have been arriving at our home and past due threatening phone calls are made daily to our phone. These calls and mailings started arriving the XX/XX/XXXX. This prompted us to log into our account to see what the problem was. This is when we realized XXXX payment was not applied

Company:
 XXXX payment was not applied either. We made several calls into Caliber as well as several submissions online inquiring about what the problem was. No one ever responded to the online submissions and each rep gave us a different explanation about what the problem is. This is when we started recording the conversations. I can send them on a thumb drive so you can hear all of the opposing instructions and explanations we have been given over the past month or can be sent to an email. All of these recorded calls were emailed to the CEO 's assistant without response. We even had one rep say DO NOT make XXXX payment. That is recorded. We were told by another rep that we might have difficulty finding another lender to just refinance since Caliber has started the pre-foreclosure process already and has reported us to the credit bureau for being XXXX past due even though Caliber has record of receiving both XXXX and XXXX payments


Date_received: We have notified you of your error via certified mail which we have proof of receipt
Product: we have emailed our draft statements from XXXX XXXX XXXX
Complaint_ID: Yes
Subproduct:
 our bank that reflects more than the normal payment due that we have paid for several months now including XXXX and XXXX

Issue:
 we have submitted our proof of payment online and your own website/system reflects this. We have invested 80 hours in dealing with this. I have instructed my employer today that I will have to take off the rest of this week to file whatever paperwork I need to through the proper channels. This is having an extremely detrimental effect on our family including our minor son and it 's taking a insurmountable toll on our family and we all have had XXXX


Date_received: 04/08/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Nationstar Mortgage
State: IL
ZIP_code: 606XX
Date_sent_to_company: Consent provided
Company_response: Web
Timely_response: 04/08/2016
Consumer_disputed: Closed with explanation
Complaint_ID: Yes
Consumer_narrative:
I fell behind on paying my mortgage with Nationstar Mortgage LLC and requested a modification that was approved in XXXX 2016. The terms of the modification were a new 40 year mortgage with a new balance of which {$58000.00} was deferred and non-interest bearing. My complaint is regarding the legality of this agreement. The original loan was {$160000.00} and now the new loan is {$190000.00} of which the property is not of that value. This property is in XXXX that is very crime ridden and economically XXXX. There are no formulas or itemized detail that shows how the new loan amount was determined and how the deferred amount was determined. This loan leaves me in a worse off situation that before and my understandings of modifications are to help the owner save the property but not put them in a worse off situation. This agreement has a new payoff in 40 years again worse off than I was currently at. I do not think this lender is providing options for homeowners that actually help homeowners and would like someone to review this please.


Complaint_ID: Yes
Date_received:
Today, XXXX XXXX, XXXX, we receive the first mortgage statement and it lacks the acknowledgement and language that the mortgage was discharged in XXXX and is in direct violation of the Fair Credit Reporting Act ( " FCRA "" ) and Fair. Debt Collection Practices Act ( "" FDCPA '' )


Date_received: 05/18/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Nationstar Mortgage
State: IL
ZIP_code: 606XX
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 filed a complaint requesting the itemization of a deferred non-interest bearing balance on a loan from Nationstar mortgage. The response provided did not itemize the amount in question of {$58000.00}, rather the response actually said that the amount I thought had to be paid back after the 40 years is actually a principal forgiveness. On all of my statements there is a non-interest bearing balance where I have to pay this back. I called Nationstar on XX/XX/XXXX and I was on hold a few times throughout the 30 minute conversation which finally resulted in the rep telling me I see the letter that says principal forgiveness, we are confused and need to investigate and we will get back to you within a day. This company is confusing customers with their language and themselves as well. If the rep understood the agreement as actual forgiveness why do my modification papers say it is deferred and has to be paid back if I sell or transfer property. This is a distress to homeowners and an unfair practice, again this property is nowhere near being worth {$190000.00} in the crime ridden englewood neighborhood.


