# complaints

Product: Inc."
Subproduct: CA
Issue: 926XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/11/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,CMRE Financial Services


Date_received: 03/21/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: my consent or knowledge. That was almost my entire 2-week paycheck. I am single mother
Company: working part-time and my paycheck goes to paying my car note to get to/from work
ZIP_code: when these accounts were opened CB should have
Submitted_via: at that time
Company_response: at the time of opening the accounts
Complaint_ID: Yes
Consumer_narrative:
Around XXXX XXXX, my boyfriend and I opened accounts at Citizens Bank ( CB ). Everything was going smoothly until this past Friday, XXXX XXXX, XXXX when I saw that a {$300.00} debit was made to XXXX account and a {$280.00} debit was made to another. I called CB that same day to report that someone ( to my knowledge ) had illegally taken money out of my account. Citizens informed me that they did n't know what the problem was and to call back on Monday when their computer system could tell them more. I call today ( XXXX/XXXX/XXXX ) and CB told me that the " debit '' was done by CB due to an account that I had with them in XX/XX/XXXX that was overdrawn. Citizens took this money without warning

State:
 daycare and other living expenses and this "" debit '' has severely hindered my paying my bills. If in fact I did/do owe CB this money

Date_sent_to_company:
 informed me of such and allowed me to re-pay them or not have allowed me to open the accounts at all. I assume that when they took my social security number


Date_received: I noticed that I have been improperly charged $ XXXX/mth for almost 4 years. On XXXX/XXXX/XXXX
Product: I met with assistant store manager
Subproduct: XXXX XXXX
Subissue: I met with Asst Vice President
Consumer_narrative: XXXX XXXX
Complaint_ID: Yes
Issue:
 who acknowledged the bank 's error and told me she would look into it. They only credited me {$100.00} instead of the almost {$1200.00} that they had improperly charged as maintenance fees. On XXXX/XXXX/XXXX


Date_received: First
Subproduct: I certainly would have disputed it years ago. Second
Complaint_ID: Yes
Product:
 I was never told that my "" relationship checking '' account was "" maintenance fee '' free. If I had been aware of this

Issue:
 they opened the account and their computer program never should have entered a monthly fee in the first place. Therefore


Product: Inc."
Subproduct: CA
Issue: 92084
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 03/18/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/16/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/25/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: itemized statement
State: I would think
ZIP_code: illegal to turn someone over to collections BEFORE they receive a bill
Submitted_via: are given evidence of the need for repair work when requested
Date_sent_to_company: and have the opportunity to resolve the issue in house. Also
Complaint_ID: Yes
Consumer_narrative:
Bills turned over to collection agency BEFORE ever being sent to renter who moved out! XXXX different invoices turned over with bogus charges. On XXXX/XXXX/XXXX my son moved out of his student housing apt . at XXXX XXXX ( XXXX ). He had worked for the complex for 4 yrs. as a maintenance tech. The manager, XXXX inspected the apartment. The XXXX roommates were told everything was good. They turned in their keys and signed out. I am one of the renters Mom and my name was on my son 's lease. He moved to an apartment in XXXX XX/XX/XXXX. That apt . ( XXXX XXXX XXXX ) requested and was sent a statement that my son was paid up at the XXXX BEFORE they would allow him to move in. We have a copy that paperwork signed by the manager. Months passed, in late XXXX XXXX and early XXXX XXXX, we started to receive phone calls from a Hunter Warfield. We had no idea what that was and thought it was a solicitor. On XXXX/XXXX/XXXX XXXX recieved an alert in the mail from Hunter Warfield, attempting to collect a debt! We had not received anything at all from XXXX although they had our home mailing address! I contacted XXXX XXXX with XXXX on XXXX/XXXX/XXXX. I explained we never received a bill or statement of charges and had no idea what this was about. She said she did n't have the info. only the bookkeeper ( XXXX XXXX ) did, and I could email her. I emailed her that day and many others, but NEVER heard back from the XXXX XXXX. I called again the next week, but did n't get an answer. I left several messages. I decided to call the corporate office in Texas to resolve the issue. I left messages for XXXX XXXX and the manager of apartment properties for the XXXX XXXX. No response from the company. On XXXX/XXXX/XXXX I received a call from Hunter Warfield! Up to this time only my son had received had gotten calls. Now I was getting them. I called back and was verbally harassed by the collections clerk. I explained we had never received any correspondence from XXXX and I felt it was unfair and unethical to turn something over to a collection agency before being billed. I was told too bad, that 's the way it is and the charge is with them now. I was not willing to speak with them any further until consulting an attorney and reviewing my legal rights. I have a XXXX credit rating and had never been late on a bill in over 50 years! I called XXXX XXXX more time to try to reach the bookkeeper, XXXX XXXX. She was unavailable, but the rental rep. pulled up the account and FINALLY emailed a statement of charges to me. Thank goodness for XXXX XXXX XXXX at XXXX. To my surprise, I received XXXX statements. XXXX dated XXXX/XXXX/XXXX for {$71.00} signed by XXXX XXXX, XXXX dated XXXX/XXXX/XXXX with an additional {$13.00} added for utility overage ( also signed by XXXX ) from XXXX, bringing the total to {$84.00}. We have no problem with these charges at all and are willing to pay these immediately. The third charge is dated XXXX/XXXX/XXXX and signed by XXXX XXXX for an additional " repair work '' of {$410.00}! Move in day for the new students is XX/XX/XXXX and these charges appeared over 45 days after all inspections were conducted. We have requested but are unable to obtain any other information

Company:
 or pictorial proof of this damage or repair work. We are disputing this charge AND the practices by which this company conducts business with their renters. It is unethical and


Date_received: 03/11/2016
Product: Credit card
Issue: Closing/Cancelling account
Company_public_response: late fees
Company: and other charges on the card. I paid off the card to a XXXX balance in XXXX 2015 and yet
State: each month
Complaint_ID: Yes
Consumer_narrative:
I received a letter dated XXXX XXXX, 2015 from Barclaycard which memorialized a conversation between myself, Barclaycard and XXXX. The letter from Barclaycard states XXXX canceled my subscription and provided a cancellation reference number XXXX. To date, I have continued to receive erroneous " subscription '' charges on my credit card


Date_received: 03/16/2016
Product: Credit card
Issue: Balance transfer
Company_public_response: not the minimum payment
Company: and some of my outstanding balance are not due until sometime in XXXX. More importantly
ZIP_code: a representative of the customer center confirmed me that this is how they charge their customers
Submitted_via: and they will do it again if my true balance is lower than my statement balance. So clearly
Date_sent_to_company: they have this practice of charging customers before the due date
Complaint_ID: Yes
Consumer_narrative:
I opened up a credit card with TJ Maxx. My billing cycle for the month of XXXX ended on XXXX XXXX, 2016, and my balance for XXXX was {$150.00}. ( Statement 1 ). On XXXX XXXX, 2016, per my auto payment agreement, money was drawn from my bank account, but it was only for {$100.00}. ( Statement 2 ). So I called the TJ Maxx customer service and asked them to explain the discrepancy to me. And they said that they arrived at {$100.00} by subtracting my return of {$87.00} and then adding {$38.00}. ( {$150.00} - {$87.00} + {$38.00} = {$100.00} ). I told them the new purchase of {$38.00} was made on XXXX XXXX, 2016 which was after my billing cycle ended. However, they said that since my true balance without the new purchase ( {$150.00} - {$87.00} = {$63.00} ) is lower than my original balance ( {$150.00} ), they just added my new purchase even though it was made after my billing cycle ended. However, TJ Maxx had no right to do so. First, it is a breach of contract because the contract states " You must pay at least the total minimum payment due on your account by XXXX ( ET ) on the due date of each billing cycle. '' What they charged me was my entire outstanding balance

State:
 it is a deceptive practice. I did not expect and certainly should not be required to pay for a purchase made after my billing cycle ended. However


Date_received: 03/21/2016
Product: Credit card
Issue: Rewards
Complaint_ID: Yes
Consumer_narrative:
XX/XX/2016 I redeemed {$100.00} in rewards. My bank has a statement on the " Redeem Rewards '' screen that states "" Redeem for {$100.00} or more and receive a {$25.00} Bonus Rewards Card to spend on yourself ''. There are no terms or conditions listed with this statement. When I did not received the bonus {$25.00}


Date_received: 03/16/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I requested a payoff quote for my mortgage. I received the quote via email. I then paid the entire sum. A few days later I received via email another " payoff '' quote stating that I owed {$250.00}. When I contacted the company they did n't really explain what the additional amount was for. To clarify whether or not I had paid the correct I returned to the original email containing the "" first '' payoff quote. It had been changed to {$250.00}

Company_public_response:
 and not the original sum. This is fraud. A company should n't be able to change an original document in an attempt to mislead people into making "" extra '' arbitrary payments. The company is Nationstar Mortgage. In addition

Company:
 during the time I had the loan I paid the payments online the first of the month when they were due. However

State:
 despite making timely payments I would receive a monthly statement saying that I paid the mortgage late


Product: Inc."
Subproduct: FL
Issue: 33135
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/25/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
03/25/2016,Credit reporting,,Credit reporting company's investigation,Problem with statement of dispute,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/25/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company_public_response: I reapplied
Company: and it directed me to each individual credit agency website
ZIP_code: i was directed back to XXXX which said *thank you
Submitted_via: please save the date and come back in 12 months* etc.
Company_response: and it gave me an error message each time
Complaint_ID: Yes
Consumer_narrative:
the website XXXX is NOT maintaining their " contact us '' form/email communication online. i tried to submit the following email to them and kept getting an error message : I forgot the date I last used XXXX

State:
 they each turned me down and said*you have received a report in the last 12 months* you are not eligible yet. after the XXXX agency declined my free report

Date_sent_to_company:
 my question is : WHEN AM I ELIGIBLE AGAIN?? i did not receive the reports today and did this attempt RE-SET my eligibility for ANOTHER 12 months??!!?? thanks. ( I signed my name here ) ****ps. I tried to submit this contact form 3 times while I was logged in

Timely_response:
 then it logged me out and said to log back in. **what is the federal agency that regulates this company


Product: Inc."
Subproduct: NV
Issue: 89117
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/05/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
03/16/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,,Company believes it acted appropriately as authorized by contract or law,Account Recovery Services


Product: Inc."
Subproduct: HI
Issue: 967XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/11/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes complaint caused principally by actions of third party outside the control or direction of the company,I.Q. Data International


Date_received: 03/11/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I have submitted a complaint before against Capitol One Home mortgage because I was n't receiving my statements for my loan. They did respond back and " magically '' fixed the glitch in there system

Company_public_response:
 that they never could explain why it happened. Since I have had such a horrible time with capitol one I paid my home loan off on XXXX 2016. I had to make several calls to even get a letter confirming the pay off. It is now XXXX XXXX 2016 and they still have not sent the paperwork to the courthouse in XXXX XXXX arkansas so the deed/lien can be released. When I try to call and find out why it is taking so long the only reply I get is that by law they have 60 days but no one can tell me why it is taking so long or even what step the process is in. Since I have had such a horrible experience with capitol one and this loan ( which was never late despite no statements being mailed and paid off early ) I worry that the whole process will not be complete for whatever reason capitol one can come up with. This is my home loan so I am very concerned


Date_received: 03/17/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Consumer_narrative: The company of " common wealth '' phone number ( XXXX ) XXXX
Complaint_ID: No
Company_public_response:
 stated I was being sued for a debt from 2009. This debt is no longer on my credit report. When I asked about this


Date_received: 03/17/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: XXXX
State: XXXX XXXX
ZIP_code: XXXX
Complaint_ID: Yes
Consumer_narrative:
Equifax re-inserted accounts on my credit that do not belong to me without proper verification. I requested that Equifax verify the " method of verification '' under the FCRA

Company_public_response:
 Section 611 ( a ) ( 6 ) and ( 7 ). The credit reporting agency must give you the method of verification information within 15 days of your request. Equifax have not done so. These are the accounts that do not belong to me : XXXX


Date_received: A letter
Product: which was dated on XXXX XXXX
Subproduct: XXXX was received and indicated
Consumer_narrative: which was dated on XXXX XXXX
ZIP_code: which was XXXX XXXX
Submitted_via: XXXX
Date_sent_to_company: I called US Bank at XXXX. The male individual indicated that he would not be able to assist us
Timely_response: and to speak with a branch manager or banker
Complaint_ID: No
Issue:
 "" This letter is to notify you ... your account has been overdrawn for XXXX consecutive business days. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure

Subissue:
 we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Another letter was received

Company_public_response:
 XXXX. The letter stated that "" This serves as a final notice regarding the overdrawn balance in your account. Our records indicate that your account has remained delinquent for 20 business days. If your account remains overdrawn

Company:
 your account will be closed by the Bank and your account will be transferred to U.S. Bank 's Recovery Department where further collection attempts will be made. [ ... ] Your account with be closed by the Bank by XXXX/XXXX/XXXX and may be assessed a {$30.00} Account Charge-Off Processing Fee. Upon account closure

State:
 we may report information about you to a consumer reporting agency. Defaults on your account may be reflected in your credit report which may prevent you from obtaining services from other financial institutions. '' Today

Company_response:
 since the account has been closed for more than 3 months. He redirected us to the "" Collections '' department. Then we spoke with XXXX who rudely indicated that she could not help us and that we needed to speak with the branch that closed our account


Date_received: We immediately called the US Bank branch where we closed the account
Product: which was located at XXXX XXXX XXXX XXXX
Subproduct: XXXX XXXX
Consumer_narrative: and she said in an extremely rude
Company_public_response: condescending tone
Company: "" Why did you wait so long to follow up? '' In response
State: I rudely stated
ZIP_code: "" Why did you charge me? '' and my significant other stated
Submitted_via: "" We did n't know. '' A bit later on
Complaint_ID: No
Issue:
 CA XXXX. We asked to speak with a branch manager. XXXX stated that the branch manager was not there. We mentioned that we could speak with a banker as well

Subissue:
 so XXXX proceeded. XXXX indicated that we needed to contact the "" XXXX '' number because she did not have access to our files. We stated that we have already called them


Date_received: 03/17/2016
Product: Credit card
Issue: Billing disputes
ZIP_code: but she can not do nothing to help me. On XXXX XXXX
Timely_response: mail
Complaint_ID: allowing others have access to my account
Consumer_narrative:
I got an invitation code from Citi Double Cash Card XXXX XXXX, applied got approved right way for a {$1200.00} credit limit with a 0 % APR for 15 months. I always made payment of {$200.00} a month. On XXXX XXXX, XXXX I log in to my Citi account notice a payment posted of {$800.00}. I did n't do this payment I decide to call Citi Card I tell them about the mistake they have made the representative tells me that I did made the payment. I asked her to please return the money back to the bank account her reply " We can not return the money back to the account ''. On XXXX XXXX

Company_public_response:
 XXXX another payment is posted in my account for the amount of {$2000.00}. I call Citi cards again and spoke to a representative she tells me the payment was posted in my account. Once again

Company:
 I tell her this is a mistake they are doing I let her know I have a credit limit of {$1200.00} tell her why would I make a payment over my credit limit. I asked her to refund the money she replies sorry we can not do that. She tells me I have a negative balance I tell her I am not going to use the card because I am not making the payments in my account. Her reply do n't if you do n't use your card over 30 days we are going to refund the amount left to you. On XXXX XXXX

State:
 XXXX I get the refund to my house of the amount {$1500.00}. I waited an additional 30 days to see what would I do regarding this matter I called back Citi and they tell me to deposit the check to my account and I did. On XXXX I see another payment posted for the amount of {$2000.00}. I get mad because Citi Bank is not doing anything to help me regarding this case I tell them I am not making this large payments to my account I asked to be transfer to a supervisor and she hang up. They send another refund check for the amount of {$1000.00}. I spoke to an employee from Citi card and asked her why would you accept payments then refund the money back this is a waste of time for a bank well known she does not know what is going on with my account she know something is not right

Submitted_via:
 XXXX I see another payment of {$800.00} posted in my account I say enough I called back Citi bank and they did n't know what was going why they were posting payment in my account with no reason. The last payment posted in my account was on XXXX XXXX

Date_sent_to_company:
 XXXX for the amount of {$2000.00}. This is when I told the representative why would they allow to accept payment over my credit limit her reply our system allows the payments. I tell her no because the payment made were by checks and Citi Bank is allowing this because they want to ruin my credit score. XXXX XXXX

Company_response:
 XXXX I log in my account see I owe {$7600.00}. I called Citi bank they do n't know what is going on I spoke to a male representative he tells me the payments were posted in error by Citi bank they reserve the payments to the correct account. I get mad and tell them I been telling Citi Credit Card this from the start and I tell him why have n't they called me regarding this matter his reply I do n't know why. I called back and spoke to another representative she tells me this bank is not good. To fight back because they did it on purpose for me to get late charges and penalties added to my account. Until this date I have not received an email

Consumer_disputed:
 nor did phone calls telling me what happen to my account. I am stress with this situation because this bank is doing this on purpose to affect my credit score. They never listen to what I told them from the start and allow this payment to be posted in my account knowing I never made those payments. I blame this back account for allowing fraud


Product: Inc."
Subproduct: CA
Issue: 93105
Subissue: Older American, Servicemember
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/21/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: allowing others have access to my account
Date_received:
03/21/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,,Portfolio Recovery Associates


Date_received: 03/21/2016
Product: Prepaid card
Subproduct: General purpose card
Issue: Managing, opening, or closing account
Complaint_ID: allowing others have access to my account
Consumer_narrative:
While the glitch with the rushcard system updated was taking place, I had my gas and electricity service disconnected and was served a 5 day notice to pay or quit at my current residence ... ... The customer service during this phase was horrible and I was almost terminated from employment due to attendance issues while.I.tried to contact different agencies and friends/ family to assist with XXXX worth of bills ... .... Once the glitch was " fixed '' I still had problems accessing my funds and to this day I have yet to receive a XXXX $ deposit that was supposed to take.place during the glitch ... ..they have given me the run around and keep telling me that it may take up to 90 days to resolve but that time has come and gone ... ... .. The customer service is horrible and everyone sounds like a broken record with the same response ... .. Its like I have no recourse for my missing funds and no one seems to genuinely care

Company_public_response:
 yes this card was designed to help low income families but they are essentially more of a problem then a help


Date_received: 03/17/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: allowing others have access to my account
Consumer_narrative:
This collection agency has consistently & repeatedly, numerous times over numerous accounts, reported erroneously information ( Known in the industry as " skip / trace '' errors ) which in some manner they have mistakenly attached to me as the account owner and debtor. This erroneous data has been reported to all three of the major credit reporting bureaus : XXXX

Company_public_response:
 XXXX & XXXX beginning XXXX XXXX - XXXX XXXX on XXXX separate accounts ( Reference # XXXX - {$1000.00} / # XXXX - {$350.00} / # XXXX - {$130.00} ) all associated with XXXX


Date_received: Enhanced Recovery Collections of XXXX
Product: Florida has been contacted in each instance
Complaint_ID: allowing others have access to my account
Subproduct:
 yet continued to make the same error on new accounts. In all cases my SSI # was not initially associated with the account

Issue:
 the XXXX accounts records contained faulty street addresses in states I have never lived and in a number of cases not even my legal name was on the account. ERC is making these record alterations - additions ( Skip / trace errors ) themselves


Product: Inc."
Subproduct: FL
Issue: 34698
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/25/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/25/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt was paid,,Company believes it acted appropriately as authorized by contract or law,Finance System of Richmond


Subproduct: I was purposely mis-documented and reported
Complaint_ID: Yes
Date_received:
The Head of the XXXX office spoke to me and arranged a separate arrangement wherein I paid XXXX per Month to "" Catch Up ''. I made Five Payments

Product:
 those payments were documented as being XXXX with the consumer credit bureaus and the website. It is notable that during this good faith payment attempt


Product: NJ
Subproduct: 076XX
Subissue: Consent provided
Consumer_narrative: Web
Company_public_response: 03/17/2016
Company: Closed with explanation
State: Yes
ZIP_code: Yes
Complaint_ID: Yes
Date_received:
 PAYOFF STATEMENTS. In connection with a consumer credit transaction secured by a consumer 's dwelling| a creditor| assignee or servicer| as applicable| must provide an accurate statement of the total outstanding balance that would be required to pay the consumer 's obligation in full as of a specified date. The statement shall be sent within a reasonable time| but in no case more than seven business days| after receiving a written request from the consumer or any person acting on behalf of the consumer. '' Thank you. 
Sincerely| XXXX Cc : Consumer Financial Protection Bureau ; NJ Superior Court 
,,Caliber Home Loans| Inc


Date_received: 03/17/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Complaint_ID: Yes
Consumer_narrative:
Because of the retrieval constraints for my credit report, and then unauthorized " Security Freeze placed on my report by TransUnion

Company_public_response:
 I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union


Date_received: 03/22/2016,Mortgage,Conventional fixed mortgage,Loan servicing
Product: payments
Subproduct: escrow account"
Consumer_narrative: allonge
Company_public_response: an assignment of the note
State: special endorsement
Complaint_ID: Yes
Subissue:
I 'm requesting for Specialized Loan Servicing to respond immediately to XXXX XXXX XXXX and provide proof of the chain of secured ownership from the original alleged lender/creditor to the alleged current lender/creditor. I want a " copy '' of the note with a blank or special endorsement

Company:
 or an affidavit otherwise proving status as the holder of the note. The attached assignment of mortgage does not contain any allonge


Product: XXXX
Consumer_narrative: including : date account open all sign original contract Account applications made on paper
Company_public_response: online
Complaint_ID: Yes
Date_received:
03/25/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt resulted from identity theft,FCO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX

Subproduct:
 MD XXXX Phone : XXXX Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act

Issue:
 I am asking you to stop collection proceedings against me and stop communicating with me about this debt

Subissue:
 except as the Fair Credit Reporting Act allows. I also ask that you notify FCO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account


Product: INC."
Subproduct: FL
Issue: 334XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/25/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,FAIR COLLECTIONS & OUTSOURCING


Date_received: 03/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: however
Company: the escrow department claimed they had done no wrong
ZIP_code: the escrow department finally paid nationwide
Complaint_ID: Yes
Consumer_narrative:
My issue involves the escrow department of the Bank of America. At the end of 2015 a bill was submitted for homeowners insurance that I had " NOT '' purchased. My first clue to this was when I received a cancellation notice from XXXX for non-payment. I felt sure a quick phone call would resolve this

State:
 and basically said that there was nothing they could do. This left me in the position of having to pay for XXXX months insurance out of my pocket to prevent the cancellation of a policy that had been in effect for well over 5 years. After several phone calls


Product: and why they refused to even try to help me with this situation. Something is very wrong here
Complaint_ID: Yes
Date_received:
I would like to know since when is it that the Bank of America lost control of the money going in and out of the escrow department

Subproduct:
 and having my house note go up could very possibly lead to me not being able to pay for my home. Somebody in that escrow Department really dropped the ball on customer service


Date_received: 03/25/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Application, originator, mortgage broker
Company: XXXX XXXX
Complaint_ID: Yes
Consumer_narrative:
I applied for a mortgage on XXXX XXXX, 2016. My scheduled closing date was today XXXX XXXX, 2016. The lender has caused me to miss my closing day. I supplied all of the documentation that was requested and still, I have not been told if my loan was ever even approved. I have asked about this numerous times and I get either no response or a " its in underwriting ''. It has been over 4 days now and I am in the dark as is my realtor and the seller. I am in an emergency situation where I must be out of my house by Wednesday XXXX XXXX

Company_public_response:
 2016 and I have nowhere to go or live. I do not know what else to do. My lender is dragging their feet on this. I know under Equal Credit Opportunity Act that the lender is required to render a credit decision within 30 days of application ( Regulation XXXX ). it has now been going on 60 days and I do not know anything at all. I escalated my concern to the manager


Date_received: 03/22/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer_narrative: Received a phone call from an " unknown ''
Company_public_response: looked up the number online
Company: it states it is a private number. The caller says he is from law office of the XXXX XXXX
ZIP_code: she claims that a letter was sent that I did not receive. I asked her to send it again
Date_sent_to_company: I found an article that ACE had to pay a XXXX dollar settlement for improper collection practices
Complaint_ID: Yes
State:
 threatening to take legal action and "" forwarding these complaint to your local municipality '' for "" felony activities '' left the phone number XXXX. Called the number and the operator stated there is a case against me

Submitted_via:
 she stated that the only send the letter one time. She said we could settle out of court or it would proceed to court. I stated that I would not give her any information over the phone. After some research online


Date_received: 03/22/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
Do want to thank the CFPB for providing a forum to address Mortgage fraud. In my case JPMorgan Chase and XXXX XXXX as the CEO. JPMorgan Chase was and is the judge and jury in this case of downright fraud. They gave me a verbal mortgage ( their written word ) and decided after the first payment that they would no longer accept anymore payments. Dealing with over XXXX of their representatives - who were working under the direction of JP Morgan Chase with an incentive to foreclose on homes ( still waiting for XXXX XXXX to confirm ). No amount of forms filled out and sent by every conceivable method would ever arrive intact for this company. The stress, the torture that I went through is unbelievable. The answer was always the same - your file is empty, nothing in the file - who gave you the mortgage, who told you your home is in foreclosure, we have no idea what you are talking about. In the meantime bills that I was not allowed to pay was being wracked up by this dishonest institution. They finally had to agree recently that the claim of sending XXXX inspectors to our home was a mistake. I never saw one. No one ever rang the doorbell. Absolutely dishonest financial institution and as they say 'A fish stinks from the head down '. Now I am constantly on a 'merry-go-round '' of papers with them. Each week I can guarantee that they will send another form telling me that they are " Researching '' and will get back to me. Researching what. You had nothing in the file to begin with

Company_public_response:
 unless you are trying to find ways to lie. What is there to research after all this time and fooling the CFPB about 'partial response '. A morass of corruption if ever I see one. At this time

Company:
 I am taking my frustrations to the next level..Let me and XXXX XXXX take our case to the American Consumer. Let them continue with the useless 'researching and asking for extension ' routine. So thank you CFPB for providing a platform

State:
 however this is going nowhere and JPMorgan Chase has this figured out. In every instance of corporations and countries having a XXXX moment ' it is usually done by one individual. Well


Product: but they continue to call
Subproduct: including on a weekend morning ( today XXXX XXXX
Issue: 2016 ) before XXXX
Complaint_ID: Yes
Date_received:
03/26/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,I regularly receive calls from "" Portfolio Recovery '' regarding a XXXX XXXX XXXX debt. I have previously verified with them that the last XXXX of the SSN they have on file is not mine and that the names do not even match

Subissue:
 waking my household. The supervisor today was "" XXXX XXXX. '' They have clearly failed to demonstrate even a modicum of due diligence in confirming that the phone number they continue to call matches the name and SSN of the person they are attempting to contact


Product: the criminal file search listed above simply states "" guilty '' and "" XXXX. '' In short
Subproduct: this is misleading
Complaint_ID: Yes
Date_received:
Public record states " guilty '' disposition for a charge that was amended from "" XXXX '' to "" XXXX. '' Nonetheless

Issue:
 and makes no mention whatsoever of the fact that the charge itself was amended. A potential employer could only read this to say that I was found guilty of XXXX -- which is simply not true. An important distinction


Product: LLC."
Subproduct: IL
Issue: 60506
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/22/2016
State: Closed
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/22/2016,Debt collection,I do not know,Communication tactics,Used obscene/profane/abusive language,,Company believes it acted appropriately as authorized by contract or law,Trademark Management Solutions


Date_received: 03/26/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Company_public_response: double-checked
Company: and had others in the room check my submission. ( There were NO incorrect characters. ) So
Complaint_ID: Yes
Consumer_narrative:
I checked my credit information with Equifax. After being throughly identified, saw my report, and tried to alert Equifax to the incorrect information. The website will not accept my correction because I submitted, " incorrect characters ''. I checked


Date_received: It is so easy for various entities to add information to one 's credit report
Complaint_ID: Yes
Product:
 but near impossible for the individual to make corrections. I know companies have no incentive to make corrections that negatively impact consumers unless there are specific monetary fines involved in their inaction. Since consumers pay for inaccurate information on their credit reports

Subproduct:
 how about making credit reporting agencies financially liable for maintaining INACCURATE information


Date_received: 03/22/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Making/receiving payments, sending money
Company: and they said they did n't get the fax
State: although I had received a verification receipt. I said
Submitted_via: I called and he says to me
Date_sent_to_company: "" Yes
Timely_response: "" No
Consumer_disputed: I 'm sorry
Consumer_narrative:
I called Banco Popular on XX/XX/XXXX to make the payment for XX/XX/XXXX, which was due on XXXX XXXX but I usually like to pay earlier. When I did, they told me I owe for XX/XX/XXXX. I said, " No I do n't '' and they said "" Yes you do. '' I said

Company_public_response:
 "" Is this going to be back like the past? I 'm going to call the bank and ask them to show you proof that I paid in XX/XX/XXXX. I paid on XXXX XXXX and Banco Popular withdrew it on XXXX XXXX. '' I got the statement and faxed it to them

ZIP_code:
 "" So you 're lying '' and he asked me to send it to him again. I sent another one right then. When he got it

Company_response:
 I 'm looking at it but we 're not going to accept it. We want your whole statement because we want to see how much money you have in your account. '' I said

Complaint_ID:
 that 's my personal business. '' I called the Attorney General 's Office and they told me that I was right to do what I did and they can not force me to send them the documents like that. I am in collections for payments I am making. 


Date_received: 03/26/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Credit decision / Underwriting
Company: that I did not want to pay fees so far out
Complaint_ID: Yes
Consumer_narrative:
Quicken Loans used misleading tactics to attempt to have me sign an intent to proceed. Without prompting and months from expected closing date from a new construction home, I was contacted and told a few details about a loan estimate. However, most of the focus of the conversation was focused on signing documents within the next couple of hours and sending documentation to continue moving forward with the process. I did not know what that really meant, but when sent the information, I looked up what an Intent to Proceed meant. I clearly was not ready for this as I had not even received other lender 's loan estimates nor was I ready to start paying fees so far from being able to lock in a rate or close on the house. I told him as much, and the response I received was : " I 'm not too sure I know what you mean at not wanting to proceed. Even though the home is n't constructed yet

Company_public_response:
 the most prudent thing to do would be to make sure the loan is approved through the underwriters and to lock in the credit I was able to get for you. What is your concern? '' This is clearly deceptive and unethical. No further response was received after I made it clear that "" to lock in the credit '' was clearly not able to be done


Complaint_ID: Yes
Date_received:
If there is information on your credit report regarding your XXXX ( XXXX ) XXXX XXXX ( XXXX ) account that you feel is inaccurate


Product: XXXX-years-old needed XXXX replaced
Subissue: XXXX
State: and XXXX XXXX XXXX
ZIP_code: XXXX regarding the balance of {$800.00} for CareCredit. The card arrived
Company_response: XXXX XXXX
Complaint_ID: Yes
Date_received:
04/06/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,My husband

Subproduct:
 since previous XXXX were misplaced at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work

Issue:
 so he applied for CareCredit and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX

Consumer_narrative:
 XXXX. We handed them the approval for the {$800.00} credit approval toward XXXX work to be done. The manager at that time

Company_public_response:
 stated that they can have CareCredit increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the 1st visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX

Company:
 and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from Synchrony Financial

Submitted_via:
 but was never activated by my now deceased husband. According to when I informed Synchrony Bank nd XXXX of my husband 's death

Date_sent_to_company:
 they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is XXXX


Subproduct: www.fsapay.com
Complaint_ID: Yes
Date_received:
03/30/2016,Debt collection,I do not know,Communication tactics,Threatened to take legal action,They call

Product:
 usually robot calls leaving a message that a payment for their reference number is required at their website

Issue:
 before they start litigation. There is no information for whom they are collecting or why. They call 5-7 times a day. There is no return telephone number. There is a disclaimer at the end that if you 're not the intended recipient


Date_received: 03/22/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Complaint_ID: Yes
Consumer_narrative:
I lost my job XXXX XXXX, 2016. I called Honda Financial Services to inform them of this and see about deferring some payments until I could get working again. I was told " no '' because I had n't had my vehicle long enough to make six consecutive payments. I assumed I would be getting a tax refund this year and just get caught up with that money. When I went to file my taxes

Company_public_response:
 I learned I was going to be PAYING IN and getting NO refund.I called Honda back and asked them to work with me.Again


Product: I called Honda back and asked again for help so I can keep my vehicle
Complaint_ID: Yes
Date_received:
After asking several family members ( who are all financially strapped themselves ) for assistance and them being unable to help


Date_received: I live in a very rural area.We have NO public transportation here! If you do n't have wheels
Product: you DO N'T work
Complaint_ID: Yes
Subproduct:
 nobody will hire me without them! I have asked Honda several times if they will help me with my loan so I can keep my vehicle. My XXXX mother co-signed the loan and lives on social security.She has no way to help me out.Honda sent me a past due notice and in there it states if I am having financial difficulties


Complaint_ID: Yes
Date_received:
03/30/2016,Credit card,,Billing statement,,Synchrony Bank who have in recent times come to hold at least XXXX of my store credit card accounts habitually ( XXXX times a year for each account ) fail to send monthly statements for my accounts. They claim to have sent them


Date_received: 03/22/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Taking/threatening an illegal action
Subissue: Sued w/o proper notification of suit
Complaint_ID: Yes
Consumer_narrative:
Someone named XXXX XXXX called claiming I was being served at my job between the hours of XXXX and XXXX XXXX CST on Monday, XXXX XXXX, 2016 and was told to notify my supervisor that I will be served at my job as well about this but did not know what it was about. Was given a case number of XXXX. Contacted the company today and they identified themselves as XXXX XXXX XXXX. Gave them the case number and the person put me in contact with " XXXX XXXX. '' Well


Product: Inc."
Subproduct: LA
Issue: 708XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/22/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes complaint caused principally by actions of third party outside the control or direction of the company,CashCall


Date_received: 03/28/2016,Consumer Loan,Vehicle loan,Shopping for a loan or lease,,on XXXX XXXX
Product: 2016
Complaint_ID: Yes
Subproduct:
 there was an inquiry made by bank of america - from which I do n't know what type of source that it came from. I received a letter from Bank of America

Issue:
 i was denied. The only way i knew about it is because of the letter and also the inquiry on my XXXX credit report. I never did apply for a loan nor a checking account with Bank of America in XXXX 2016


Product: LLC"
Subproduct: CA
Issue: 94116
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/28/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/28/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,Company believes it acted appropriately as authorized by contract or law,Pinnacle Credit Services


Date_received: 03/08/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company: therefore
Complaint_ID: Yes
Consumer_narrative:
My father provided me with with a down payment for a house on XXXX acres of land in NH. My mortgage loan was approved for {$150000.00}. After the mortgage loan was approved, the seller stated that he would only complete the transaction if an additional XXXX acres was included in the sale for an additional {$60000.00}. We made a sales agreement for the additional land and paid for it directly to the seller. At the closing the mortgage and deed included the dwelling and the entire XXXX acres. The closing process should have deeded the dwelling and XXXX acres to me as approved on the mortgage application. The additional XXXX acres should have been deeded to my father and mother because they purchased that parcel of land on a cash basis. The original mortgage was held by " Country Wide ' but is now held by Bank of America. Bank of America will accept an application for release of the XXXX acres. The request application carries a charge of {$500.00} and only provides a review of the situation. I think it is unfair to have to pay {$500.00} to Bank of America to consider my request. In fact

Company_public_response:
 further review of the attached documents will clearly show the said XXXX acre tract was clearly purchased and paid for in-full at the closing. The XXXX acres of land in question


Date_received: 03/31/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Complaint_ID: Yes
Consumer_narrative:
Hi CFPB, I am a former student of the closed and delinquent XXXX school " XXXX XXXX ''. I am coming today asking for a refund for a loan that I paid through "" Genesis lending '' under the fraudulent college in the full amount I have previously paid. I paid the whole loan XX/XX/XXXX while in midst of the whole controversy about deceptive practices of XXXX

Company_public_response:
 and even in that time still made good on my owed amount. I recently had my federal loan forgiven and will be receiving a refund from that


Date_received: It is not the largest of amounts
Subproduct: and I feel it should be an entitlement not only for me
Complaint_ID: Yes
Product:
 but I 'd like to see if I can receive a refund for payments that I always kept in good standing. I 'd like to take back my money from that corrupt college practice and start a new again

Issue:
 but for all the students. That is our rightful money that came out our pockets that we thought was going to a good use


Date_received: 03/31/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Company_public_response: and if requested
State: or at the subsequent meet
Submitted_via: if there has been "" due diligence '' of the mortgagee
Timely_response: a certified letter
Consumer_disputed: return receipt requested
Complaint_ID: must be sent. Due diligence would also require that the mortgagee
Consumer_narrative:
SLS and a Foreclosure Trustee named Law Offices of XXXX XXXX are conducting an illegal foreclosure process against my Home with a Sale Date of XXXX XXXX, XXXX. I have submitted a mortgage relief package with all of the proper supporting documentation to SLS who has failed to assign me a Single Point of Contact, failed to properly review my modification request under HAMP or all other relief programs available and never provided any formal denial letter for their review of my mortgage relief request. I have dealt with several representatives from SLS every time I have called them as a follow up or inquiry. SLS has lost several of my documents and has failed to adhere to the important rules of HBOR and HAMP. SLS and the Law Offices of XXXX XXXX failed to perform and comply to the requirements before filing a Notice of Default which are : Contacting Borrower Prior to Filing Notice of Default : XXXX procedural steps that a mortgagee, trustee, beneficiary, or authorized agent must follow before For loans made from XXXX XXXX, XXXX to XXXX XXXX, XXXX, inclusive, that are secured by residential real property and are owner-occupied residences, at least 30 days prior to filing the notice of default, a mortgagee, trustee, beneficiary, or authorized agent must either make contact with the borrower or satisfy other due diligence requirements set forth in XXXX. Contact with the borrower must be in person or by telephone " in order to assess the borrower 's financial situation and explore options for the borrower to avoid foreclosure. '' The borrower must be advised that he or she has the right to request a subsequent meeting

Company:
 the meeting must be scheduled to occur within 14 days. Whether the assessment of the borrower 's financial situation occurs during the first contact

ZIP_code:
 the borrower must be provided with the toll-free telephone number made available by the United States Department of Housing and Urban Development to find a HUD-certified housing counseling agency. The notice of default may be filed without actual "" contact ''

Date_sent_to_company:
 beneficiary or authorized agent. Satisfaction of "" due diligence '' requires all of the following : ( 1 ) a first-class letter that includes a toll-free number for HUD-certified housing counseling agencies ; ( 2 ) after the letter has been sent

Company_response:
 at least three phone calls at different hours and on different days ( an automated system may be used to dial borrowers ) ; and ( 3 ) if there is no response within two weeks of the required phone calls


Product: Servicemember"
Subproduct: N/A
Issue: Phone
Subissue: 03/09/2016
Consumer_narrative: Closed with monetary relief
Company_public_response: Yes
Company: No
Complaint_ID: must be sent. Due diligence would also require that the mortgagee
Date_received:
03/08/2016,Bank account or service,Checking account,Problems caused by my funds being low,,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Regions Financial Corporation,AL,35214,Older American


Date_received: 03/31/2016
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: so why is there no one to speak with?? Is this legal
Complaint_ID: must be sent. Due diligence would also require that the mortgagee
Consumer_narrative:
I spoke to someone at Citibank last week regarding my student loan w/ them. Am wanting to try to negotiate better terms for the loan. Was informed that they " are out of the student loan business and there 's no one to talk to '' I still send my payments to them


Date_received: I began repayment of loan after I XXXX in 2011
Product: and during the deferral period before that
Issue: and yet my current loan balance on an orignal amount of {$24000.00} is over {$22000.00}
Complaint_ID: must be sent. Due diligence would also require that the mortgagee
Subproduct:
 paid the quarterly interest. I have paid greater than the billed amount each month. To date I 've paid in over {$18000.00}


Date_received: 04/06/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
State: BUT OCWEN IS FAILING TO APPLY OUR MRTG PYMTS BEING HELD IN A SUSPENSE ACCT SINCEXX/XX/XXXX
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX THIS WILL BE # XXXX FILED. TODAY XX/XX/XXXX I HAD A PRE SCHEDULED APPT WITH A CASE MNGR FROM OCWEN A PERSON BY NAME OF XXXX XXXX AT XXXX.. A CALL CAME IN AT XXXX SAYING XXXX XXXX IS BUSY ON ANOTHER CALL, I SAID I COULD WAIT ( XXXX ) IS WHERE CALL WAS COMING FROM. I WAS PUT ON HOLD AND THEN TOLD THEY COULD " NOT '' LOCATE HIM. I ASKED FOR SUPERVISOR SPOKE WITH A MINAXI WAS TOLD SHE COULD TRY TO HELP.. SHE COULD NOT GIVE ME ANY INFO ON MY MRTG ACCT ACCURATLY SHE KEPT PUTTING ME ON HOLD. FINALLY AFTER ALMOST 1 HOUR OF NOTHING RE ; INFO I TOLD HER TO HAVE MY CASE MNGR CALL ME SO I COULD GET ANSWERS TO MY MRTG ACCT.. THIS APPT HAD TO BE PRE SCEDULED MORE THEN A WEEK AGO AND STILL THEY DO NOT HAVE RIGHT PERSON WHO CAN ANSWER YOUR MRTG ACCOUNT QUESTIONS CALL AS THEY SAY AND MADE APPT WITH ... WHEN YOU CALL RE ; ANTHING ON YOUR MRTG ACCT SUCH AS "" MISSING PYMTS : THEY ARE NOT POSTING AND CREDITS OWED NOT BEING APPLIED YOU ARE TOLD YOU HAVE TO MAKE AN APPT WITH A "" CASE MNGR '' WAY IN ADVANCE.. AND YOU STILL DO NOT GET THEM TO CALL YOU ON THOSE APPTS ... THIS IS ILLEGAL ON SO MANY LEVELS ... I AM ASKING THE CFPB TO ESCALATE THIS COMPLAINT TO EVERYONE WHO SHOULD BE INVOLVED IN THIS ... .WE ARE GETTING READY TO GO PUBLIC WITH XXXX XXXX AND XXXX XXXX NEWS AND RUN AN AD IN XXXX XXXX AT ANY COST TO BRING THIS OUT INTO THE OPEN ... .PLEASE INFORM ANY OTHER BUREAUS THAT SHOULD KNOW ABOUT THESE COMPLAINTS ... ... ... ... .WE ARE AGAIN ASKING FOR SOMEONE NOT TO JUST SEND THIS TO THEM AS THAT DOES NOTHING

Company_public_response:
 BUT TO ACTUALLY GET INVOLVED VIA PHONE HOWEVER YOU ARE ABLE TO ... THEY DO NOT SEEM TO CARE THAT I FILED A COMPLAINT WITH THE CSPB ALREADY.. YOU WOULD THINK THEY WOULD BE A LITTLE WORRIED AFTER THE LAWSUIT WITH CFPB BUT NOT IN THE LEAST WERE THEY ... ... .SOMEONE PLEASE LOOK AT THIS AND HELP AN AMERICAN OUT.. WE ARE TRYING TO GET ALL THE MISSSING PYMTS TO MY ACCT CREDITED AND ALL HOME IMPROVEMENTS SENT TO THEM BY CONTRACTS VIA OUR ESCROW AS WE HAVE A SHARED APPRECIATION MODIFY WITH THEM AND THEY 'RE NOT EVEN GETTING A LEGITIMATE PAYOFF QUOTE TO OUR ESCROW AND IT HAS BEEN WEEKS SINCE REQUESTED ... WE WILL LOSE THE SALE OF OUR HOUSE AND THE ONE WE ARE PURCHASING.. WE ARE MOVING SO MY HUSBAND CAN GET XXXX DUE TO AN ACCIDENT ... SO THIS WILL ALL BE GOING PUBLIC IF THE CFPB CAN NOT GET OCWEN TO LEGITIMIZE OUR ACCT AND GET CORRECT PAYOFF ... . I WILL ALSO BE CALLING XXXX AND XXXX AS I THINK SINCE THIS IS STILL GOING ON WITH OCWEN WITH NO "" ACCOUNTABILITY '' AND SO RAMPANT THEY WOULD LOVE A STORY LIKE THIS.. GOING ONLINE DOES NOTHING COMPARED TO GOING PUBLIC ... SO AGAIN AS THE "" COMMITTEE THAT IS SUPPOSED TO OVERSEE AND MAKE SURE OCWEN IS STILL CONTINUING THIS ILLEGAL BEHAVIOR

Company:
 WE ARE ASKING YOU TO GET MORE INVOLVED THEN JUST SENDING THIS COMPLAINT TO THEM ... TIME IS RUNNING OUT AND WE NEED TO SELL OUR HOME AND MOVE FOR REASONS I HAVE SAID


Date_received: 03/12/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
My mortgage servicer, Ocwen, has flagged my account for the next six months as to only accepting payment in certified funds. This action was due to XXXX insufficient funds transactions within the last six months. No warning was issued or notification of this policy given. Speaking with their customer service is unnecessarily burdensome with multiple account verification at each step, so much so as to suggest a deterrent and not professionalism. I 've been contacted at work numerous times to the point where I requested a note be put on the account for contact after XXXX. Speaking with an " escalation manager '' only resulted in additional frustration. After missing his return call due to being on another line I was unable to reach him that night after numerous attempts. A week later he got back with me and although he called me at my listed phone number he insisted on account verification and was unwilling to shorten the process even after I had identified myself. I do n't consider that customer service

Company_public_response:
 the cumbersome and repeated verifications within their system forces a 10 minute call into 20 minutes. Their policies discourage contact


Date_received: 03/31/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
2 monthly mortgage payments drafted my account within a couple of days of each other. I went online and changed my payment draft day to XXXX/XXXX/16 iao {$1200.00} and the payment drafted but a few days later another payment iao {$1400.00} drafted which caused by account to be overdrawn. I contacted Chase and spoke with a rep regarding the double payment and he put in a request to reverse the {$1400.00} payment ONLY as requested. All that needed to be done was to reverse that payment and my loan would have been fine because the {$1200.00} payment which drafted on XX/XX/XXXX would have satisfied my XXXX XXXX payment and would have me due for XXXX XXXX payment. Trusting this was an easy fix of just simply reversing the 1 payment ... .. I followed up a week later and to my surprise the automated system advised me that my last payment made was in XX/XX/XXXX!! I made a payment on XXXX XXXX iao {$1200.00} which satisfied my XXXX XXXX payment but somehow that payment was now showing as " not recieved ''. Apparently

Company_public_response:
 when reversing the payment of {$1400.00} for some ungodly reason Chase decided to also reverse both payments from XXXX XXXX and XXXX XXXX. I could maybe understanding reversing the XXXX XXXX payment and making sure everything was applied correctly but for the life of me I cant understand why the XXXX XXXX payment was reversed from my account ... ... Why reverse a payment that has been posted to an account for nearly a month? So


Date_received: 03/31/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Need information about my balance/terms
Complaint_ID: Yes
Consumer_narrative:
I was made aware of the suit between the CFPB and XXXX XXXX, specifically regarding the high interest XXXX loans. I was forced to take out one of these private loans or have to drop out of school in XXXX XXXX. I was originally quoted 6.8 % but ended up not getting approved for whatever reason and landed 14.9 %. I was never notified of the suit until I found out on my own recently. I graduated in XX/XX/XXXX but my transcripts and diploma were withheld until XX/XX/XXXX. My loan was sold to University Accounting Service in XX/XX/XXXX. I am not sure how or why. I have had issues with them from the beginning. Their site is very sketchy, they have added a new " convenience fee '' so that I can continue to pay with my debit card. The fee will be waived if I give them my bank account information! I am not comfortable with this. Last month they sent me XXXX statements to pay. It seems like it is always something new. With the high interest

Company_public_response:
 I will never be able to pay this loan off. I recently asked them for proof that they did in fact have my loan and all they could send me where the transfer papers. Which I have. The XXXX address does n't match and they could not provide me with anything else. When I called them asking questions abou the XXXX % decrease that should have been received due to the law suit they were annoyed. They said I did not qualify. I asked about a possible forbearance until my attorney could get to the bottom of this and they said they could no longer speak to me and if I had infact been speaking to an attorney about this matter that all communications and requests for my original loan documents would have to be from the attorney. I am stunned. I do n't know what to do


Date_received: 03/08/2016
Product: Debt collection
Subproduct: I do not know
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Complaint_ID: Yes
Consumer_narrative:
The continuously call me at work, which connects you to an IVR that states, " I 'm calling in regards to an issue very recently filed within our office involving your name and social security number ''. Either hit "" XXXX '' or call XXXX to speak to a representative. I hit "" XXXX '' and a rep came stating he was an attorney and needs to verify my name and social security number. I refuse and ask what it 's all about. The gentleman at the other ends becomes belligerent and threatens to sue if I do n't clear up the matter at hand. Yet he does n't state what it 's about unless I give my name and ss #. The caller ID shows either XXXX or XXXX


Complaint_ID: Yes
Date_received:
I am harmed by the illegal acceleration of the debt forgiveness as I am obligated to show an additional $ XXXX in "" income '' on my tax return. This is unconscionable. The schedule for debt forgiveness is on "" page XXXX of XXXX '' in the agreement


Product: L.P."
Subproduct: PA
Issue: 19565
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/12/2016
State: Closed
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
03/12/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,Company can't verify or dispute the facts in the complaint,Southwest Credit Systems


Product: NV
Subproduct: 89434
Subissue: Consent not provided
Consumer_narrative: Web
Company_public_response: 03/12/2016
Company: Closed with explanation
State: Yes
ZIP_code: No
Complaint_ID: Yes
Date_received:
 FINANCIAL CREDIT NETWORK XXXX XXXX XXXX| ca XXXX RE : XXXX Validate Account Please re-investigate and delete Validate Account Please re-investigate and delete. This account is not mine! 


XXXX/XXXX/2016 To whom it may concern : Please note that that this is not a refusal to pay off the account| but a notice sent as per the Fair Debt Collection practices Act| 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required. 

This notice is not a request for verification of the account or proof of my mailing address| but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you. 

Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you 're a licensed debt collector XXXX Show me your license numbers and registered agent. 

I would like to inform you that in case your agency has reported invalidated account information to any of the XXXX main Credit Bureau 's such as XXXX| XXXX| XXXX| then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason| if any| negative item is reported to any of my credit reports by your agency or the agency that you represent| then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents| I will need minimum 30 days to investigate this information| and during this period of time| all collection activities must be stopped. 

I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports| then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated| or confirming an account as correct when in fact there is no provided proof that it is. 

If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt| then the account information must be completely deleted from my credit report| and a copy of such deletion request should be sent to me at once. 

I would also like to request| in writing| that no calls should be made by your agency or company at my residence or workplace. If your agency attempts to make unlimited or computer generated calls to me or any third parties| then it will be considered harassment| and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter. " 
,Company believes it acted appropriately as authorized by contract or law,Financial Credit Network Inc,CA,930XX,,Consent provided,Web,03/12/2016,Closed with explanation,Yes,Yes,1829592
03/31/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian,LA,70126,,N/A,Referral,04/01/2016,Closed with explanation,Yes,No,1858154
03/12/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,Company believes it acted appropriately as authorized by contract or law,First National Collection Bureau| Inc.


Date_received: 03/08/2016
Product: Credit card
Issue: Other fee
Complaint_ID: Yes
Consumer_narrative:
In XX/XX/XXXX BankAmericard began charging a {$59.00} annual fee. I opted out of the change in terms which meant I would pay off the balance under the prior terms. However, I was charged the {$59.00} fee in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. For some reason they did not charge me in XX/XX/XXXX, but I have never been refunded for the other 4 years of fees and related interest charged on those fees. I have complained each year which is probably why it did n't get charged in XX/XX/XXXX, yet nothing has been done to correct the prior billing. I want to pay off the balance now but am not going to pay these fees totaling {$230.00} + interest. I would appreciate some assistance in resolving this issue. I have limited access online to statements etc. but have included what I can for now. Every year when I call BofA, they say they are " correcting '' it as they did 2 weeks ago when I last called


Issue: principal repayment
Subissue: fees
Company_public_response: Navient extended to me an offer to settle the debt. However
Company: Navient did not convey the details of this offer
State: nor the fact that they had even made the offer
Company_response: complained about Navient 's deceptive
Timely_response: unethical business practices
Date_received:
03/12/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Having problems with customer service,I file this third complaint with the CFPB against Navient ( formerly XXXX XXXX XXXX for the following reasons : In Navient 's response to the XXXX prior CFPB complaints I filed last year

Product:
 Navient indicated they would include a note to credit reporting agencies indicating I was disputing the debt Navient was reporting. In reviewing my credit report in XXXX 2016

Subproduct:
 I find that Navient has failed to report to credit reporting agencies that I am disputing the debt Navient has refused to provide me with a breakdown of the payments I have made to them and what portion of those payments have been credited as interest

Consumer_narrative:
 and penalties Navient has refused to provide me with the formula they used to calculate the amount they claim is owed Navient continues to negotiate in bad faith. Last year

ZIP_code:
 to the debt collection agency that they employed and advised me to contact to finalize the offer. When I informed CFPB and Navient of this fact

Submitted_via:
 Navient then distorted the facts and suggested I mislead the debt collection agency. I did not - the debt collection agency had no knowledge of any settlement offer. Navient subsequently threatened that if I refused further calls from yet another debt collection agency

Date_sent_to_company:
 they would not honor any prior settlement offers Navient has now employed yet another debt collection agency that has begun contacting me at irregular hours. I have contested this debt

Consumer_disputed:
 and have attempted to negotiate with Navient in good faith to reasonably settle the debt. Considering there can be no question that I have disputed this debt

Complaint_ID:
 Navient 's use of another debt collection agency is nothing more than another attempt at harassment and intimidation Prior CFPB complaint numbers : XXXX XXXX 


Date_received: 03/31/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: tons of phone calls
Company: emails etc. Finally
State: today
Submitted_via: unprofessional
Date_sent_to_company: and dishonest throughout this nightmare. In addition
Complaint_ID: Yes
Consumer_narrative:
I refinanced with XXXX Mortgage. XXXX Mortgage then transferred my loan to Nationstar Mortgage. I was not notified of the transfer until after my XXXX 2016 payment was already electronically taken by XXXX Mortgage. XXXX Mortgage contacted me and advised me that my loan was being transferred to Nationstar Mortgage and that I should be receiving a " welcome package '' from Nationstar advising me of the transfer. XXXX Mortgage indicated that since my loan was in the process of being transferred they would be sending the XXXX 2016 payment to Nationstar Mortgage. This did not take place. I was contacted by Nationstar Mortgage advising me that I had not paid XXXX 2016 mortgage. I told them that I did in fact pay XXXX 2016 and it was paid ON TIME. This fiasco has been going on for over a month. Finally ( with the help of XXXX Mortgage representatives only -- nobody from Nationstar would even attempt to help ) the payment was "" found '' but I continued to receive notices indicating that my mortgage was past due etc. I have never paid my mortgage late. To add insult to injury a {$12.00} "" fee '' was added to my account. I had to argue this over and over again. This whole process has taken over a month

ZIP_code:
 I receive a return message indicating that Nationstar will "" waive '' XXXX TIME a late fee. My payment was not late. Even when the payment was "" found '' I was never notified by Nationstar that they had "" found '' it ; I had to figure that out on my own by going online to my account. Nationstar Mortgage has been disrespectful


Subproduct: and {$170.00} to settle a {$270.00} debt
Complaint_ID: Yes
Date_received:
03/13/2016,Debt collection,Medical,Disclosure verification of debt,Right to dispute notice not received,On the date of XXXX XXXX

Product:
 2016 I contacted Commonwealth Financial Services to potentially pay off a debt. After talking with a lady who told me her name was XXXX XXXX we came to an agreement on XXXX seperate debts. I agreed to this only if the "" Commonwealth Financial Services '' were to email verification that the amount I was paying off was in writing. She emailed me XXXX verifications. I in return paid {$100.00} to settle a {$150.00} debt


Date_received: 03/13/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company: and mailed in a check on XX/XX/XXXX for XX/XX/XXXX and XX/XX/XXXX. Then on Saturday
State: XX/XX/XXXX
Complaint_ID: Yes
Consumer_narrative:
My loan was sold from XXXX XXXX to PHH. I did not know this as I never received a notice. I have been paying my loan on " autopay '' but XX/XX/XXXX went to increase principal payment amount and saw my loan was paid off. I called XXXX XXXX and they told me my loan had been sold to PHH. I asked them to provide me with account information for PHH so that I could reach out and ensure payment would be made on time. XXXX XXXX refused to provide any information stating that they could only mail or fax. They also communicated that I should not worry as I had 60 days to make payment. Then on XXXX XXXX

Company_public_response:
 I received a bill from PHH that was mailed on XX/XX/XXXX showing that payment was due on XX/XX/XXXX but mailed on XX/XX/XXXX?? It also showed that they never debited XX/XX/XXXX payment and now they showed XXXX months due. I tried to go to PHH 's site to pay but was unable to do so due to their site 's limited functionality. I did set payment for "" autopay '' that will start with XX/XX/XXXX payment

ZIP_code:
 I received a notice from PHH saying that I was 31 days overdue on my mortgage and that adverse actions may be taken. This is frustrating and causing me much anxiety as it is very important that I maintain a good credit rating and on-time payment history. PHH 's notice requested that I called "" immediately

Submitted_via:
 '' but when I tried their IVR noted that they were closed. Their poor processes are unacceptable and must be corrected. Moreover

Date_sent_to_company:
 they need to guarantee to me that no adverse action was or will be taken on my account. Not to mention


Date_received: 03/13/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: close
Company: manage and/or have '' his XXXX bank accounts
State: among other authorizations so I can continue to pay his taxes
Complaint_ID: Yes
Consumer_narrative:
My cousin XXXX XXXX XXXX XXXX XXXX currently lives XXXX. He sent me his power of attorney written in XXXX certification, translated into XXXX and notarized in Illinois. A Citibank international customer service representative suggested he obtain the POA with XXXX after hearing other requests failed. That was the first time we heard about an apostille. XXXX did so as soon as possible. In the POAXXXX, XXXX specifies I can " open


Date_received: In XXXX XXXX
Complaint_ID: Yes
Product:
 Citibank 's Illinois legal department refused the POA/XXXX submitted to the branch office. They instructed my cousin to call again or go to the XXXX XXXX in XXXX for notarization of there XXXX form


Date_received: I am submitting copies of some communication with Citibank : POA with XXXX
Product: XXXX emails from Citibank branch
Subproduct: my letter XXXX XXXX
Issue: witnessed instrument of delegation
Subissue: letter from XXXX
Consumer_narrative: his government photo ID card
Complaint_ID: Yes
Company_public_response:
 Citibank POA signed and Citibank form XXXX signed in XXXX XXXX. I also have copies of his XXXX and XXXX passports


Date_received: 03/14/2016,Debt collection,Other (i.e. phone
Product: health club
Subproduct: etc.)"
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Complaint_ID: Yes
Consumer_narrative:
This is NOT my debt and i check all XXXX of my credit reports every year and online several times a month also, and yet, i have not received communication from this creditor XXXX or XXXX for {$500.00}, by phone, by mail or on any of my credit reports EVER, but now it has showed up on my credit report on XXXX XXXX, XXXX, when i checked my reports online. I know my ex husband XXXX XXXX had a XXXX cellular account in XXXX and this was on his Credit Report, which he told me about it in XXXX so how & why is it " all of a sudden '' showing up on my credit report


Complaint_ID: Yes
Date_received:
03/08/2016,Student loan,Non-federal student loan,Can't repay my loan,Can't temporarily postpone payments,Sallie Mae gives you a standard six months before you have to start making your loan pay backs. When that six months was up I applied for a forbearance for the loans because my husband is in XXXX program and we are not making it on what I make alone. The time has come to repay the loans once again and we are behind in the loan payments. I called after getting letters in the mail and tried to see if I could do another forbearance and they said that I could not. I can make the payment on one but not the other. They stated that I would have to make a payment in order to get information from customer service. I am trying to see the options and they were holding information for ransom. Stating that I was not be able to find out anything without making a payment. Then


Complaint_ID: Yes
Date_received:
03/14/2016,Credit card,,Billing disputes,,Just signed up for a new credit card for a second optional card for both myself and husband. It was Bank of America

Product:
 XXXX XXXX Visa. Used it less than 2 months and I sent in one payment in full that was done by bill pay from my bank. The bank says they sent it

Subproduct:
 Bank of America says theydo n't have it and I am out the money but being charged a late fee and a {$75.00} user fee per card even though I cancelled the XXXX cards


Product: fraudulent
Complaint_ID: Yes
Date_received:
03/08/2016,Credit card,,Late fee,,I made an electronic payment to Chase Cardmember Service on XX/XX/2016 for a credit card payment due on XX/XX/2016. My bank transmitted the payment to Chase electronically at XXXX XXXX on XX/XX/2016 ( a business day ) and debited my account on that same date at that time. Chase posted the payment five days later on XX/XX/2016 and then charged me a {$39.00} late fee. Chase 's posting practice is patently illegal


Date_received: On XXXX XXXX
Product: XXXX
Consumer_narrative: as my records partially show
Complaint_ID: Yes
Subproduct:
 I called and spoke to a supervisor XXXX who informed me that if I had just called in to inquire about my account they would not have told me about a new promotion

Issue:
 i.e. the rewards points. She stated that if I had called in asking questions about the rewards points

Subissue:
 then I should have been made aware and offered the chance to sign up for the program. When I called and specifically asked about them


Complaint_ID: Yes
Date_received:
Why could n't they see if more could have been done? Why was n't anything done sooner? Why do they not know when the program began? If it existed since I had the card


Complaint_ID: Yes
Date_received:
On XXXX XXXX, 2016, however, Chase sent me another letter to that same address. The letter ( attached ), dated XXXX XXXX, 2016, says it 's a repeat of the letter allegedly sent to me in XXXX, 2016. This letter, however, specifically states I must respond to Chase within 30 days of the " date of this letter '' in order to proceed forward with my credit card application. I called Chase both XXXX XXXX and XXXX XXXX to discuss this letter ; after 75 minutes ( mostly on hold )


Date_received: Chase has held me hostage to their business practice
Subproduct: and up to now
Subissue: many years
Consumer_narrative: and they have access to my credit history in that respect
Company_public_response: though they denied this fact when I suggested it ). In addition
State: which has cost me hours of time online
Complaint_ID: Yes
Product:
 XXXX which they 've unilaterally decided is correct and without flaws of any sort. The consumer is left to accept their verdict

Issue:
 they 've admitted no wrongdoing. I want my credit card application processed promptly ( I 've been a customer of Chase for many

Company:
 I want XXXX points added to my card by Chase as a gesture of goodwill for their egregious mishandling of my request


Complaint_ID: Yes
Date_received:
6. But the most insidious statement in the Northern Trust response was in reference to my assertions that the revocation of my Durable Power of Attorney was rooted in fraud. On or about the weekend of XXXX/XXXX/XXXX

Product:
 my sister XXXX told my Mother that I had used my Durable Power of Attorney to steal {$60000.00} from the checking account. This claim is totally untrue and fabricated

Subproduct:
 yet it was then supported by an employee of Northern Trust. My sister then takes my Mother to her attorney to have my Durable Power of Attorney revoked. The attorney then calls a representative of Northern Trust and is told by Northern Trust that I did in fact take {$60000.00} from the checking account. We have this statement from the attorney. Northern Trust 's assertion that they were closed on this weekend is a feeble attempt to avoid answering the question directly. After my Mother passed on XXXX/XXXX/XXXX

Issue:
 it was later confirmed by Mom 's attorney that the incident was just a misunderstanding. Conspiracy and fraud can not be characterized as a misunderstanding. Once again


Date_received: 8. After the transfer of securities from Northern Trust to my broker
Product: I received a statement from Northern Trust for XXXX showing {$200.00} still in the account
Subproduct: even though I specifically asked for it all to be transferred
Issue: and even though the account was less than a month old. In XXXX
Complaint_ID: Yes
Subissue:
 I received a statement showing that Northern Trust withdrew {$160.00} from my account and in XXXX took the rest. No explanation was ever offered to me by Northern Trust. Once again


Product: and then unauthorized "" Security Freeze placed on my report by TransUnion
Complaint_ID: Yes
Date_received:
03/17/2016,Credit reporting,,Incorrect information on credit report,Account terms,Because of the retrieval constraints for my credit report

Subproduct:
 I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union


Product: Complete and not in conflict with the account OPEN DATE and the CLOSURE DATE OR
Subproduct: if it is not possible to verify - document and share the same
Complaint_ID: Yes
Date_received:
Please update the DISPOSITION to Reflect its PAID and CLOSED state Please verify the Last Payment Date and the CLOSED Date Please ensure the PAY HISTORY is ACCURATE


Date_received: 03/17/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: effective XXXX XXXX
State: or have to live paycheck to paycheck
ZIP_code: being penalized for being poor. This feels like an attack on the working class
Complaint_ID: Yes
Consumer_narrative:
I was notified from TD Bank that they will begin " processing transactions chronologically '' instead of processing deposits FIRST on a daily basis

Company:
 2016. This will result in people who do not have enough money to keep a buffer in their savings account

Submitted_via:
 and they are unapologetic about it in the very same notification letter : "" If you rely on deposits posting first to cover your daily expenses

Date_sent_to_company:
 this change may result in more overdrafts. '' It is a crushing and condescending letter that makes me extremely upset. It is my hope that the CFPB can take them to task and get this devastating new policy that will definitely not make one "" More easily manage your personal account. '' Reversed. The letter is signed by "" XXXX XXXX


Product: Inc."
Subproduct: UT
Issue: 84121
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 03/14/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
03/14/2016,Debt collection,Federal student loan,Communication tactics,Frequent or repeated calls,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Navient Solutions


Complaint_ID: Yes
Date_received:
My supposed bills are more than 6 years old. Since the phone calls, I have contacted Diversified Consultants , Inc twice ( XXXX/XXXX/XXXX and XXXX/XXXX/XXXX ) by certified mail, the latter with return receipt and a copy of the first letter. The return-receipt card was never returned. I 've written them once again ( XXXX/XXXX/XXXX ) for verification and documentation that there is a valid basis for claiming that I am required to pay. They have posted the debt on my credit reports as owed with a notation " Account information disputed by consumer


Complaint_ID: Yes
Date_received:
Commission for debt collector if collection efforts are successful. '' I did not receive anything but another letter from PRA stating my name - last XXXX of my soc - and the amount they say I owe. Due to the way PRA has treated people in the past


Product: Inc."
Subproduct: TN
Issue: 37216
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/09/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/09/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/09/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company_public_response: because ( according to XXXX XXXX ) a different name was showing up under my Social Security
Company: So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit
ZIP_code: Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX
Complaint_ID: Yes
Consumer_narrative:
hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency trans union they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account

State:
 why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen


Date_received: 03/14/2016
Product: Debt collection
Subproduct: I do not know
Issue: False statements or representation
Subissue: Impersonated an attorney or official
Complaint_ID: Yes
Consumer_narrative:
I received a call from an " officer '' XXXX XXXX. He called with no caller ID and claimed to be working with my county and threatened to come to my home or place of employment this Wednesday to serve me. Said I would need a supervisor present and a valid state ID. Said to call XXXX immediately to prevent being served. The number left is for dispute resolution services


Date_received: 03/14/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
I have been a victim of identity theft. I was contacted by XXXX XXXX for credit card only for online store ( XX/XX/XXXX ). When I started to receive phone calls ( XX/XX/XXXX/XX/XX/XXXX ) I submitted a fraud form to XXXX XXXX and requested dates of purchase and proof of delivery when the debt occurred. I never heard back but recently Portfolio Recovery purchased the debt and began contacting me. I have emailed to Consumer Ombudsman Office of General Counsel Portfolio Recovery Associates , LLC ( " PRA '' ) and sent then information of my identify theft and requested date and proof of delivery of when these debts were incurred. They can not or will not supply me with the dates and delivery proof. I can not fully complete their forms with out proof of residency but I do not know when the dates of theft occurred. Portfolio Recovery will not investigate without the forms being completed. If they can not provide proof of delivery


Date_received: 03/09/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Company_public_response: because ( according to XXXX XXXX ) a different name was showing up under my Social Security
Company: So i had to go to the XXXX branch to identified my self. I need to know whats going on my credit
ZIP_code: Please investigate these allegation and have credit agency make necessary corrections Thanks XXXX
Complaint_ID: Yes
Consumer_narrative:
Hi, the i am unable to obtain my my credit report. i applied for XXXX credit card, they ( XXXX ) inform me that my credit file is " frozen '' so i contacted the one of credit reporting agency XXXX they said its nothing wrong with my credit and its not frozen i do n't know who to believe.i also opened up checking account with XXXX XXXX XXXX and latter they freeze my account

State:
 why different name is showing on my Social security and why i am unable to obtain my credit report and why my credit file is frozen


Date_received: 03/09/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Complaint_ID: Yes
Consumer_narrative:
I have been trying to clean my credit report up. I have XXXX things on my report that are over 7 yrs old and experian deleted the main XXXX. On my report DHS CS has put my child support on XXXX. I disputed it and it should be removed because its over XXXX yrs old. But they allowed XXXX to change the date and make it a XXXX date open which makes no sense. I also found out by National collections that in XXXXthat they notified all XXXX major credit agencies that fines and arrest warrants were to be taken off. They are still on there and there 's more that that. XXXX is now adding inquiries on my report from XXXX. An investigation by your office should be done by ur office. Also, on my reports is a school loan from XXXX and that is over 7 yrs old and should be removed as well. When I asked the lady at XXXX if they verified information put on the report her answer was " we have no way of knowing if the information is valid or not. '' I have XXXX items knocked off and XXXX more ready to be knocked of and XXXX


Product: Inc."
Subproduct: CA
Issue: 92630
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/29/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/28/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/14/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Company_public_response: after questioning BOA reps two times now via chat
State: some can not tell me what bonus my account is coded for
Submitted_via: so I would look for the bonus by XXXX/XXXX/16. No one has provided that date
Date_sent_to_company: and instead make it seem like BOA could wait months after. If that was the case
Company_response: they should have stated so in their offer. I just want the date I will receive the bonus
Timely_response: otherwise
Complaint_ID: Yes
Consumer_narrative:
I opened a Bank of America core checking account XXXX 2016 in response to an email offer that provided a bonus of {$100.00} if XXXX direct deposits of at least {$250.00} each were made within 90 days of account opening. It also says that after meeting the requirements " BOA will make every attempt to deposit the bonus within 60 days. '' However

Company:
 I 've received conflicting information. Some say there was no chance of the account even being considered for the bonus until 90 days have passed

ZIP_code:
 if any. I was even lead to believe by the first representative that I should see the bonus within a week. That has not happened. I understand that I 've met the terms as of XXXX/XXXX/16 ( my XXXX qualifying employer direct deposit )


Product: formerly known as XXXX XXXX XXXX
Subproduct: that has been opened on XXXX XXXX
Issue: XXXX and closed XXXX XXXX
Subissue: XXXX for {$3600.00}
Consumer_narrative: a XXXX XXXX charge account opened and closed from XXXX XXXX
Company_public_response: XXXX to XXXX XXXX
Company: XXXX
Complaint_ID: Yes
Date_received:
03/09/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,There is an auto loan at XXXX XXXX XXXX


Product: Inc."
Subproduct: CA
Issue: 90620
Consumer_narrative: N/A
Company_public_response: Referral
Company: 03/17/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/14/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Subproduct: I phoned Seterus today ( XXXX XXXX
Subissue: I 've tried to pay the mortgage and assume the loan
Complaint_ID: Yes
Date_received:
In XXXX, my mother passed away and I inherited her condominium located at XXXX XXXX XXXX XXXX, XXXX, California XXXX. As the estate was finalizing, the Lender was transferred from XXXX to XXXX ( see prior complaint against XXXX ). After multiple 'lies '' by XXXX and bad faith, XXXX then transferred the Loan to Seterus in XXXX which required me to start the process over of assuming a loan. Seterus, throughout the process, has misled me, committed fraud, backdated letters sent to me, indicated they sent letters which were never sent and are attempting to 'steal ' a property and I am doing everything possible to assume. They have set a foreclosure date of XXXX XXXX, XXXX so that matter is urgent! I am providing extensive documentation of my communication with XXXX and Seterus and their bad faith and fraudulent lending practices. Where is process now? After being told by Seterus on multiple occasions that a Loan Assumption Packet was complete ( originally completed XXXX XXXX, XXXX ), Seterus is now requiring a new packet. I received XXXX letters from Seterus this past weekend XXXX XXXX XXXX, XXXX ) which indicated the loan was " in process ''. I had spoken with XXXX XXXX of Seterus on XXXX XXXX

Product:
 XXXX who indicated my Assumption packet was complete with the exception of a utility bill and an address. I immediately faxed the requested information ( attached ). Thankfully

Issue:
 XXXX ). I spoke with XXXX XXXX who informed me that XXXX XXXX was incorrect and an entirely NEW Loan Assumption packet was needed. This was the first time I was informed as such. It is clear that Seterus and committing fraud and bad faith and attempting to steal my property. At all times


Complaint_ID: Yes
Date_received:
I have now initiated at least 8 phone calls with Seterus and am basically lied to or mislead in every call. As an attorney myself


Date_received: 03/17/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: "" you opened it
ZIP_code: XXXX and her memorial was XXXX XXXX. Because of his XXXX situation
Company_response: who have had wonderful credit scores in the past and now my dad
Timely_response: are now considering bankruptcy as a solution
Complaint_ID: Yes
Consumer_narrative:
My dad is a credit card/identify theft victim. He fell for a scam in XX/XX/XXXX and again in XX/XX/XXXX that have wiped his savings and created major debt. First, in XX/XX/XXXX it was a telephone call saying that he was late on paying a bill and needed to pay immediately, so he provided a credit card number with his personal information. That created a ridiculous amount of charges, which he was unaware of. He is in his XXXX 's with some XXXX caring for my mom who was very ill. Then in XXXX XXXX he received a phone call, letting him know that he had won the big prize of Publisher 's Clearance but that he needed to follow very strict instructions. So he did. The result : Someone opened via internet a Citibank credit card in XX/XX/XXXX and charged {$10000.00}. In addition, they charged over {$12000.00} on his XXXX XXXX XXXX card and another {$10000.00} at another institution. Both Citibank and XXXX XXXX XXXX refuse to accept the fact that he did not make any of the purchases and have released the case to Collection agencies to recover the funds. I 've documented all the transactions and we can not believe that after all the documentation, either institution have not properly looked into the case. What we get is letters telling us " You opened the account via internet in Citibank and this is your responsibility ''. My dad does not own a computer nor did he have internet service. We 've written to Citibank several times and get the same response

Company:
 it is your responsibility ''. The crooks were brilliant in how they managed everything. They opened the Citibank account and deposited the money in his checking/savings account at XXXX XXXX XXXX

State:
 then proceeded to make telephone transfers. They completed wiped all this checking and savings. My mom died on XXXX XXXX

Submitted_via:
 and my mom 's death - I took over my parents ' finances in XX/XX/XXXX. I have spent considerable time understanding what had transpired

Date_sent_to_company:
 documenting much of the transaction. Both banks ( XXXX XXXX XXXX and Citibank ) have been unsympathetic. We spent considerable time at the local XXXX bank and ultimately chose to close his account after my dad 's account was cleaned out. I 'm at wit 's end on what to do. I 've over communicated with both institution. My parents


Date_received: 03/09/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Deposits and withdrawals
Company_public_response: but I had in this account {$710.00} before all this took place
Complaint_ID: Yes
Consumer_narrative:
I am a victim of fraud. I did go online to be a mystery shopper and was contacted to a assignment for XXXX XXXX. I was XXXX a check {$1900.00} for my assignment. I went to TD Bank in XXXX Florida and deposited this check. After several days I call TD Bank to verify if this check was even good. I spoke to a financial Representative she stated that this check DID CLEAR. again I asked it cleared? Again she stated IT CLEARED. I then went to the same TD Branch to withdraw money to complete this assignment in the amount of {$1600.00}. I was called again from this MYSTERY Shopper if I would be able to complete another assignment. Again, XXXX brought me another check with another assignment Went back to the same branch at TD an made a deposit.. Waited several. days called again XXXX # and this time they said the check did not clear. That evening I received a letter from TD Bank that the 1st check was fraudulently written. TD mandated me to get my account in good standing and deposit money. I did this immediately. I was angered about this I called the XXXX number and went round and round finally got a supervisor she listened to the tape and she admitted that TD Bank Rep did say it " CLEARED '' that they TD were going to refund {$930.00} to cover my deposit and XXXX return check fee. This was very nice


Product: represent nothing
Subproduct: and hold no value to their claim to collect a debt. They have no idea even who the mortgagee is
Issue: the ability to provide proof if paid in full of turning ownership over
Subissue: no grounds for collecting this debt
Company: mortgagee note holder
Complaint_ID: Yes
Date_received:
Original Loan Number XXXX Loan Type 2yr Interest Only Adjustable Rate LIBOR mortgage Address : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX Hi XXXX The current mortgage note servicer is servicing a loan for XXXX or XXXX XXXX XXXX. The servicer was originally XXXX then XXXX and now Green Tree Aka DiTech. The " NOTE '' or ARM they claim to be collecting on was never signed by me and is not filed along with the other note and documents in the bureau of convenience in the State of Hawaii. It says I signed it the same day of my Securities Instrument which was said to be signed on XX/XX/XXXX. I signed all my documents on XX/XX/XXXX in front of a notary. It is very suspicious that the note that they claim is reason for them collection has no date next to my signature and is missing some of the J and the K is signed not like mine as it never touched mine touches 99 % of the time in the middle. Further this is now said to be held in Asset Back Securities which XXXX just got sued over by XXXX ( cert holder for my note ). Read here XXXX. Further XXXX is said to be the mortgagee of the note and only legal title to property. The sent me a truth in lending document signed by me supposedly showing a loan amount borrowed of XXXX and my mortgage document says XXXX which again is odd and shows poor truth in lending. To add to it the Notary and Loan officer at XXXX in XXXX XXXX Hawaii where or are husband and wife and there is allegations of him using her notary to falsify documents.These documents Ditech is claiming to have that allow them to collect or try to collect this debt are fraudulent

Consumer_narrative:
 failure to diligently provide and prove that this is in fact a valid debt. I have tried time and time again to iterate this to them and it has failed. I am settling this matter with XXXX regarding the loan this Weds. XXXX/XXXX/XXXX and it has been once dismissed without prejudice in Hawaii District Court and has been further quitclaim by the condo association. Until these numb nut DiTech collecting company can provide adequate verification of debt

Company_public_response:
 writing from mortgagee ( signed stamped notarized ) that in fact if I pay this debt off I have sole ownership and no futher legal issues. Proper documentation of servicer company


Product: XXXX
Subproduct: Ohio
Issue: XXXX
Subissue: for LOWES BUSINESS ACCT/SYNCB
Consumer_narrative: Payable at XXXX
Company_public_response: GA XXXX
Company: and Corporate headquarters located at XXXX XXXX XXXX XXXX XXXX
Complaint_ID: Yes
Date_received:
03/09/2016,Credit card,,Payoff process,,ConsumerFinance.gov complaint against : Synchrony Bank ( Formerly GE Capital Retail Bank ) located at XXXX XXXX XXXX


Date_received: XXXX My complaint is in regards to Synchrony Bank ( Formerly GE Capital Retail Bank )
Product: for LOWES BUSINESS ACCT/SYNCB
Subproduct: is as follows ; The paperless solutions for this business line of credit are grossly inadequate
Complaint_ID: Yes
Issue:
 and the payment scheduling options are so antiquated that no advance payments of any kind can be arranged with this company

Subissue:
 a practice that disallows any payment scheduling beyond 29 days in advance. I could not see my statements until recently ( when they finally began allowing customers to see an online statement. ) Additionally


Complaint_ID: Yes
Date_received:
I have been charged XXXX in late fees. I have had several phone conversations with them over the last 10 months and I have sent emails


Subproduct: there was a XXXX late fee charged on XXXX
Issue: XXXX
Subissue: XXXX
Complaint_ID: Yes
Date_received:
My second email to them today at XXXX stated : Credit XXXX to my account. Use XXXX as a payment for last month

Product:
 and XXXX as a partial payment toward this month. See other email I sent to your company today for further explanation


Product: Inc."
Consumer_narrative: N/A
Company_public_response: Fax
Company: 03/21/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/17/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
2-Shellpoint has charged to our account {$2200.00} JUNK FEES " as other fee '' We ask for those illegal fees should be removed to our mortgage account. In the meantime

Product:
 as of now our account is showing past due for {$8100.00}. while we 'll wait for Shellpoint to resolve the issue


Complaint_ID: Yes
Date_received:
On the back of the statement it says, " We will not charge interest on Purchases on the next statement if you pay the New Balance Total in full by the Payment Due Date


Product: LLC"
Subproduct: FL
Issue: 333XX
Consumer_narrative: Other
Company_public_response: Web
Company: 03/22/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/22/2016,Debt collection,I do not know,Communication tactics,Frequent or repeated calls,,,National Credit Adjusters


Date_received: 03/31/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Personal information
Company_public_response: and Experian corrected my report
Company: but e-mailed me a report that has a "" variation '' of my SS # recorded
Complaint_ID: Yes
Consumer_narrative:
Experian sent me a notice saying that my address had been altered on my credit report, based on information supplied by a creditor. This was erroneous info. When I checked my report I found that I was " also known as '' variations of my name that I have never used. I complained

State:
 which I also have never used. I think it is a great wrong and misuse of power for credit reporting companies to accept false or mistaken info from creditors


Product: Inc."
Subproduct: NH
Issue: 03302
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/30/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/28/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 03/23/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: single parent raising ( XXXX ) children has been exposed to undo stress
ZIP_code: Plaintiffs Servicer continually subjects Borrower to poor servicing
Submitted_via: asking multiple times for same documentation
Company_response: answer emails and subject me to more stress
Complaint_ID: Yes
Consumer_narrative:
I 'm writing to you in need of help because foreclosure complaint has been filed against me. I here by submitt the facts for your review and assistance for my loan modification pending with M & T Bank. Here are the reasons why : 1. Failure to respond to Foreclosure complaint within the time frame with advice given to me by my servicer 's XXXX XXXX XXXX XXXX, XXXX, representative XXXX XXXX stating the Modificiation would be approved in the immediate future, which was totally misleading and has jeopardized my standing and rights in the Florida Judicial System. 2. Plaintiff violated Federal Law when filing Foreclosure Complaint, a violation do Federal Government Dodd Frank Act, known as " Dual Tracking. '' You can not file a Foreclosure Complaint or continue foreclosing on a borrower who is in the Loan Modification process. 3. Plaintiff and Servicer

Company_public_response:
 both are negligent in allowing such action to take place knowing borrower was in The Loan Modification process. 4. Borrower

State:
 anxiety and threat of losing home as a result of Plaintiffs illegal action and not to say the emotional distress the children have been exposed to. 5. XXXX XXXX

Date_sent_to_company:
 and threatening Foreclosure as they say I am NOT in "" Compliance '' with the HAMP Guidelines which is a total fabrication. 6. XXXX XXXX continually fails to answer or return calls


Complaint_ID: Yes
Date_received:
03/23/2016,Credit reporting,,Incorrect information on credit report,Public record,There is a pending judgement from XXXX XXXX. This is incorrect. There is no pending judgement. This account is showing under my bankruptcy with XXXX XXXX


Date_received: 03/17/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
Company_public_response: then takes the money back
Complaint_ID: Yes
Consumer_narrative:
Hi, My name is XXXX XXXX. I have a Checking Account with the TCF Bank in Wisconsin. I have Overdraft Protection. My XXXX complaints are 1. The TCF bank has a " SELECTIVE OVERDRAFT PROTECTION '' and after that the computer pays the bill

Company:
 credits it back into your account and the then charges you a "" RETURNED ITEM NSF FEE ''. The computer knows what your limit is. I have been reimbursed a certain amount of those fees


Date_received: 2. Up until last week
Subproduct: the limit they let me "" OVERDRAFT '' was approximately {$1100.00}. After I filed the complaint
Complaint_ID: Yes
Product:
 before I called them and filed a complaint and told them that I was going to file a complaint with the CFPB


Product: {$900.00} - Social Security XXXX
Complaint_ID: Yes
Date_received:
Their overdraft protection is to pay bills that come into your account even though the money is not in the account on a "" IF THEY FEEL LIKE IT BASIS ''. They KNOW that I get paid from XXXX different accounts monthly : {$3600.00} - Workmans ' Comp


Product: they 'll pay the overdraft if they feel like it. I was using the Overdraft Protection
Subproduct: but they let me Overdraft to a certain point
Issue: and up to last week
Complaint_ID: Yes
Date_received:
Below is the OVERDRAFT PROTECTION POLICY of the TCF BANK. Look SPECIFICALLY AT THE LAST PARAGRAPH - THE "" MAY '' that I CAPITALIZED. In other words


Date_received: What the Bank does
Product: or should I say what the computer does
Subproduct: after you reach that limit
Issue: is pay the bill
Subissue: then unpays the bill
Consumer_narrative: then charges me a fee for the TRANSACTION OF NOT PAYING THE BILL. This past week
Company_public_response: IN RETALIATION BECAUSE I TOLD THEM THAT I WAS GOING TO FILE A COMPLAINT WITH THE CFPB
State: but what it 's done
ZIP_code: when they do n't pay the OVERDRAFTS AND CHARGE ME FOR NOT PAYING MY BILL
Submitted_via: IS IT BRINGS DOWN MY CREDIT SCORE
Date_sent_to_company: WHICH HAS SUNK UNDER XXXX. They offer an OVERDRAFT LINE OF CREDIT PROTECTION
Complaint_ID: Yes
Company:
 they lowered the "" OVERDRAFT PAY LIIMIT '' to approximately {$500.00}. In their commercials they 're the bank that will always help you


Complaint_ID: Yes
Date_received:
Maximum Number of Overdraft Fees per Day : XXXX - You will only be charged this number of overdraft fees per day


Complaint_ID: Yes
Date_received:
Minimum Amount Required to Trigger an Overdraft Fee - {$5.00} If you are overdrawn by this amount or less

Product:
 you will not incur an overdraft fee. - {$1.00} If we pay an item that overdraws your account and the item is less than this amount


Date_received: If you opt-in
Product: we MAY
Subproduct: in our discretion
Complaint_ID: Yes
Issue:
 approve these transactions. We MAY pay overdrafts due to other transactions unless you opt-out of overdraft service for these transactions. If you opt-out


Product: but the PayPal exchange rates were incorrect
Subproduct: making the total amount over {$40.00} more than I should 've been paying. We even called PayPal
Issue: and two of their representatives saw that the current XXXX/USD rate was 1 USD = XXXX XXXX
Subissue: but PayPal was showing the rate as {$1.00} USD = XXXX. On $ XXXX
Complaint_ID: Yes
Date_received:
03/23/2016,Other financial service,Foreign currency exchange,Incorrect exchange rate,,I was purchasing services from an XXXX seller through PayPal


Date_received: On XXXX XXXX
Subproduct: I requested information on the charges. I had my address
Issue: SSN and any security information
Complaint_ID: Yes
Product:
 I called the Amazon Credit Card / Synchrony bank and managed to get my account number. While on the phone


Date_received: I called the collection agency
Complaint_ID: Yes
Product:
 they transferred me around a few times and I finally made it to a manager. I spoke with "" XXXX XXXX '' XXXX XXXX/XXXX/XXXX ) at XXXX XXXX about the collection notice. Explained I made several attempts to understand what the charges are for and I still do not have an answer. Therefore

Subproduct:
 it is difficult for me to send anyone any money unless I know the charges belong to me. She said she would "" request for a letter '' to find out what those charges are for


Date_received: I called Synchrony
Complaint_ID: Yes
Product:
 entered my credit card number and last XXXX digits on my Social Security Number. I made it to a representative


Complaint_ID: Yes
Date_received:
03/23/2016,Debt collection,Payday loan,Communication tactics,Frequent or repeated calls,I have spoken with them on the phone every day for the past week and they continue to call me multiple times per day repeatedly. When I have asked for additional information or asked to speak with a supervisor


Date_received: 03/17/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: I returned call
Company: identified myself
ZIP_code: they said "" sorry
Complaint_ID: Yes
Consumer_narrative:
XXXX has now called me twice to " collect a debt ''. Each time I missed the initial call. The first time

State:
 and asked who the debt was incurred with. They indentified a vendor. When I said I had never done business with the vendor ( no company I recognized )


Date_received: Today
Product: several month later
Consumer_narrative: the call was picked up by a man whose muttered his name. I started giving him the reference number
Company_public_response: he cut me off and put me on hold
Company: then returned
Complaint_ID: Yes
Subproduct:
 they called again. They left a message with a reference number. I returned the call. After a XXXX5 minute wait

Issue:
 I was connected to a "" XXXX ''. I had to give her the reference number twice. She then asked my name to which I replied "" you called me

Subissue:
 so you must know my name ''. She said she would have to transfer me to "" the department that takes care of that ''. After a brief wait

State:
 apologized saying he "" was finishing up with a lady on another call '' ( begging question of why he took my call ) and asked for me to "" repeat the reference number ''. Again

ZIP_code:
 I refused to give my name telling him he must know it from the reference number. He said "" for privacy '' he needed to know my name. He tried several times to get my name


Date_received: Thus
Subproduct: more likely in my view
Issue: he intended to cross reference the number to get my name. Either way
Complaint_ID: Yes
Product:
 either he was being dishonest in saying that by simply giving my number he would remove it from the calling list ( note : seems strange they would not have a caller ID on incoming calls and my cell phone number 's ID is not blocked ) or that


Date_received: 03/17/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs
Company_public_response: which is entirely false! This letter was never addressed
Company: and instead my loan was sold to Ocwen immediately. I am writing now
State: because come XXXX/XXXX/XXXX
Submitted_via: I took a XXXX ARM XXXX
Date_sent_to_company: with the plan of selling the property within those 5 years. As you can imagine
Timely_response: a rate and term refinance or a consolidation refinance. Additionally
Consumer_disputed: I have a 2nd mortgage with XXXX
Complaint_ID: formerly XXXX XXXX XXXX
Consumer_narrative:
Please see my attached legal action letter sent to IndyMac Bank back on XXXX XXXX, XXXX. At that time, they had wrongfully entered my investment property, changed the locks, winterized the property, boarded windows, and then sent me a bill for all of the work. The property was vacant ( tenant evictions months prior, then then copper piping damage resulted in this vacancy for a few months ). They deemed the property was " abandoned ''

ZIP_code:
 my loan will be converting from a Interest only into a full amortizing 20 year fixed mortgage. At the time in XXXX

Company_response:
 the market crashed and I am not longer able to sell. I still have not gotten back the equity that was lost. Especially the equity needed to refinance the home as a XXXX family investment. I do not qualify for XXXX


Product: the "" request money feature '' and the "" invoice feature '' on XXXX XXXX
Complaint_ID: formerly XXXX XXXX XXXX
Date_received:
03/23/2016,Money transfers,Domestic (US) money transfer,Wrong amount charged or received,,I used Paypal to request payment using XXXX new features


Complaint_ID: formerly XXXX XXXX XXXX
Date_received:
Neither I nor the payer were notified of the fees being charged. Paypal alleges that disclosing fees in the FAQ section and Terms and Conditions was adequate


Date_received: 03/31/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
I do n't know the legal definition of predatory loans but I believe that this is the situation that I have. When first got our loan the payment was really high but we under the impression from the people we were dealing with that we would be able to reduce those payments after making on time payments for a certain amount of time. We did that but we were not able to refinance and the payments became too much. Later we were given and adjustment which was still too high. I have made several attempt over the past XXXX to try to get an affordable mortgage while at the same time having to file bankruptcy because that was the only way I could save our home while we were going through the motions. However each time I tried to modify the loan from XXXX to XXXX XXXX XXXX and now with specialized loan services nothing is ever done. Either I 'm constantly being told that they are not receiving my paperwork and there is no one XXXX that I can talk to or deliver the paperwork to in person or just completely ignoring my efforts. I have tried working with " making home affordable '' and nothing came of that. I filed a modification through XXXX at the beginning of XXXX


Complaint_ID: Yes
Date_received:
This is a misleading practice since the credit card company has knowledge of the finance charges accrued at the time of payment


Complaint_ID: Yes
Date_received:
SOLUTION : Simply reflect unpaid or un-billed Interest Charge on Purchases that are in arrears on current summary statements so the consumer can pay balance


Date_received: 03/23/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Problems when you are unable to pay
Complaint_ID: Yes
Consumer_narrative:
For the last few months I have been told verbally ( recorded line supposedly ) that I would qualify for another deferment ( 2 month deferment ) to help me get my loan caught up as I have been paying one month in arrears for months. I was told to just keep making a payment monthly even though it 's behind and I would qualify in a " couple '' months. Well today

Company_public_response:
 I asked for that deferment and was advised that I do not qualify until XX/XX/XXXX for another one. She only advised me of XX/XX/XXXX after I threatened to file a CFPB complaint. I feel completely mislead by this company. I advised them that they need to coach their representatives not to state a "" couple '' months to customers when referencing when customers will be qualified as this misleads the customer to thinking that they will qualify and can get back on track soon. I have been going through a divorce and not getting child support ( child support will be court ordered XX/XX/XXXX ). I pay daycare and all child expenses on my own. I have struggled the last 6 months


Subproduct: I called to inquire about the replacement gift card
Complaint_ID: Yes
Date_received:
I waited another 10+ business days. I called the card services center again. I was told " that card is lost

Product:
 you will not be receiving it.. we need to cancel that card and order a replacement card '' ... so I did.. On or around XX/XX/XXXX


Date_received: I received the card. I mailed it via XXXX to my son.. On XXXX XXXX
Complaint_ID: Yes
Product:
 my son called to tell me that he attempted to activate the card. He got a recording that said "" thank you


Date_received: On XXXX/XXXX/XXXX
Complaint_ID: Yes
Product:
 I called to inquire about the replacement refund check. I again spoke to XXXX who told me that early in the month


Date_received: 03/23/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
About a year ago, I called XXXX XXXX XXXX ( my mortgage holder ) because I saw an ad on TV about a government program that could reduce your mortgage payment. All I did was inquire about the program and my mortgage began to unravel like a spool of thread. Long story short they sold my mortgage to a company called Penny Mac. After reading the information of the program I discovered that it is a program for people that are upside-down in their mortgages of which I have NEVER been. After I declined the paper work my payments began to be posted later and later until I receive a notice that I was 2 payments late and Penny Mac was threatening to foreclose on my mortgage. I sent my last payment on XXXX/XXXX/2016 through the US mail. The check XXXX XXXX. It was for {$1500.00}. This was my payment of {$1400.00} plus the late fee of XXXX. This payment has never been posted. The postal worker is my friend and she placed the stamp on the payment and marked the envelope posted so I would have a witness that I sent the payment. The payment on XXXX/XXXX/2016 was made over the phone ( so I had it recorded ) and was not posted to my mortgage either. It was deleted from my bank account on XXXX/XXXX/16. I called Penny Mac and they told me that, " They have my money ... in a "" holding account. '' A asked


Date_received: 04/01/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
I am currently XXXX to the XXXX XXXX, I fell behind on mortgage payments, Internet services are not always available. I 've reached out to the bank several times to see what options were available to me to no avail. My credit score is dropping dramaticly. I finally was able to make a call and speak with someone. I asked what my options are and she told me that I would have to fill out, scan, fax all this paperwork to her to see ; otherwise there is nothing they can do for me. I explained my situation and how these resources are not readily available to me. She then told me that I should 've planned for this better. I did not / was not even going to entertain that ignorance. I asked if they could temporarily suspend reporting any further deliquencies to the credit bureaus until I return XXXX XX/XX/XXXX/XX/XX/XXXX. She responded " no ''. I asked her if I paid the past due amount right now in full on the phone could they waive the late fees & corporate fees as well as delete the derogatory and late payments from my credit report. She responded with "" we do n't do that ''. Up until my XXXX I was in good standing with my mortgage payment

Company_public_response:
 never have been late. I have been working hard to reestablish my credit from my divorce a few years ago ; I involuntarily XXXX to serve my country


Date_received: 03/18/2016
Product: Credit card
Issue: Payoff process
Consumer_narrative: I opened a " charge card '' with XXXX XXXX. The deal is you pay an annual fee
Complaint_ID: Yes
Company_public_response:
 but there is no interest on the account at all because you are required to pay it in full every month. I love this because I do not want to support the credit card industry since it is so vicious and gets people in debt. I myself have never had any debts problems before


Subproduct: abusing power
Complaint_ID: Yes
Date_received:
Please be aware that replying with the standard " this is part of the terms of service that you agreed to '' will not satisfy my request

Product:
 or deter me from filing my complaints with the agencies listed above on the morning of Wednesday XXXX XXXX. It will be up to those agencies to determine if PayPal is operating within the law


Date_received: 03/29/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: without prejudice
Company: in other words. They are failures and always will be. There are so many lawsuits against them
State: it is sickening. This alleged business needs to be prosecuted to the fullest
Submitted_via: I want my {$5.00}
Date_sent_to_company: per month
Company_response: times 24 months
Timely_response: which was for a certified return receipt that I had to pay to submit my payment every month
Complaint_ID: sympathy
Consumer_narrative:
Penny Mac is a servicer to XXXX XXXX 's customers. This will never happen. XXXX XXXX XXXX prepared my Home Modification, not PM. This PM business is to offer a quality service and this will never happen. This Home Mod was about XX/XX/XXXX or XX/XX/XXXX. Since PM became a servicer of my loan, which is to be forwarded to XXXX XXXX, XXXX has been my total nightmare. They are all snakes in the bushes, when they smile, they rattle. The criminal acts that have been against me has escalated out of control. Firstly, they found out about my age, threaten to foreclose, stolen my social security check, ( they transferred my money back with a fight and the name of that woman is XXXX ), racketeering, false pretenses, violations of laws, my civil rights, personal property, forgery, demanding I walk away, per XXXX XXXX and PM. Then, PM contacted the IRS, without my permission, on an enquiry, if I owed any taxes and of course, it was negative. Another evil act. Comes again a letter from last week, indicating that my XXXX anniversary is coming up and I will be receiving {$5000.00} off the balance of my loan and this was another oversight. Another lie. Today, in the mail, I receive a stupid document outlining that they are investigating my complaints and will be in contact in a month. I have received these same stupid documents and what follows is a, " Dear XXXX ''

ZIP_code:
 license revoked and doors closed permanently. Their business practices and employees are the worst of the worst. Again

Consumer_disputed:
 which is unlawful. I had been in contact with various businesses and this was unacceptable. Never an apology


Date_received: 03/29/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Complaint_ID: Yes
Consumer_narrative:
I attempted to obtain my free annual credit report from XXXX. I was able to get my report from XXXX and XXXX, but Experian would not allow me. When I was directed to their site from XXXX, I was asked to confirm the last XXXX digits of my SSN. I did that, but when it progressed to the next page it simply said " We were unable to honor your request. '' No other questions were asked. I was instructed to mail in my request using a form letter

Company_public_response:
 including a copy of my DL and SSN. It 's frustrating to be denied when I was n't asked any additional verification information. XXXX and XXXX asked specific credit questions

Company:
 but Experian did not attempt to confirm anything. Now I have to send a letter and wait for a response. Based on this experience

State:
 I 'm not even sure that I would receive it after I sent my personal information through the mail. At the very least


Product: XXXX XXXX
Subproduct: 2016
Complaint_ID: Yes
Date_received:
03/23/2016,Credit reporting,,Incorrect information on credit report,Account status,My Credit report ( s ) are showing a past due unpaid balance on an account that has been paid and satisfied. For several months I have been in communication with XXXX and they promised me they would update my report ( s ) and as of today


Complaint_ID: Yes
Date_received:
I called Wells Fargo and was told that any payment made 20 days prior to the due date would be counted as an additional payment, not for the next month due. I should be clear again that I did n't overpay XXXX by {$200.00}. I made a separate payment of the same monthly amount that I always had, frequently very early, with no issue at all. I was told that the XXXX/XXXX/2016 payment could not simply be applied to XXXX but had to be refunded. I was then told that, because I do n't have a Wells Fargo checking account, that my payment would have to be refunded by mail, which would take " a minimum of 3 weeks. '' I was having this conversation with Wells Fargo Customer Service on XXXX/XXXX/2016

Product:
 6 days after the XXXX due date. This meant that Wells Fargo 's own process for refunding a payment that should have applied to XXXX would indeed have made me delinquent for the month. Is it fair that a financial institution can structure payments and refunds in such a way that it makes an otherwise responsible and timely customer delinquent on their debts? I raised this question to the Wells Fargo staff who informed me this was "" just the way it is. '' To which I responded with skepticism


Product: Inc."
Subproduct: VA
Issue: 23322
Subissue: Servicemember
Consumer_narrative: Other
Company_public_response: Web
Company: 03/18/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/18/2016,Credit reporting,,Credit monitoring or identity protection,Problem with fraud alerts,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
This has to be illegal for a company to destroy a person 's credit and not take responsibility for their actions. Again, I work for a " Reputable Financial Institution '' in the Mortgage area and I know I 've been violated over and over again as a consumer. PLEASE HELP ME ENFORCE THIS COMPLAINT ... .I DO NOT HAVE TIME TO INVEST OVER AND OVER TRYING TO GET THIS ISSUE CLEARED UP


Date_received: 03/29/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
I opened a checking account with Bank of America. When opening the account, the associate entered all of my correct information from my driver 's license. A few days later, I received an email notification that my debit card was on its way, but it was being sent to an address where I have never lived and/or been associated. I contacted the bank to ask them why/how this happened. They initially insisted that I had been a victim of fraud, but after showing them I had not, they started investigating on their end. They admitted that everything was processed correctly, but can not understand how the wrong address was then attached to my name. They 're calling it a " system glitch. '' When I asked how I can be assured that it wo n't happen again


Complaint_ID: Yes
Date_received:
I have since closed the account because all I get from them is head scratches and "" I do n't know how this could have happened. '' It 's ridiculous and I do n't trust that my account would be safe with them


Date_received: 04/01/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Trouble with how payments are handled
Company_public_response: making it appear that it was impossible for me to make a payment. They did it on a Friday
Company: so that if I had tried to pay over the weekend
State: my accounts would
ZIP_code: in fact
Submitted_via: have gone into default. I was finally able to make a payment
Complaint_ID: Yes
Consumer_narrative:
I have had extreme difficulties paying back my private student loans. Access Group will send emails to me saying to call they can help and options, when in fact they have no options. Access Group put XXXX of loans in default, even though there was no technical default ( meaning the accounts were not XXXX past due ). Most recently, I was 177 days past due. I went to make a payment so as not to default, but Access Group and " suspended activity '' on the account


Date_received: 04/01/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I have a XXXX mortgage, called an Equity Flexline account. For over a year, I have been charged a monthly " Past Due '' fee of {$9.00}. I have not made a late payment during this time. Every other month I call or go in to correct the error


Complaint_ID: Yes
Date_received:
03/18/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,I report to Transunion about an inquire that was made from XXXX XXXX every three months

Product:
 This was made by error in my name. I already received a letter from Transunion and also tell them to lock my credit


Product: Inc."
Subproduct: UT
Issue: 84097
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 03/18/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
03/18/2016,Debt collection,Medical,Improper contact or sharing of info,Contacted me after I asked not to,,,Mountain Land Collections


Date_received: 04/11/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer_narrative: Our Power of Attorney XXXX ( hereinafter " XXXX '' ) has been contacting COUNTRYWIDE HOME LOANS
Company: SALE
State: OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN dated XXXX XXXX
Complaint_ID: Yes
Company_public_response:
 INC. d/b/a/ BANK OF AMERICA HOME LOANS ( hereinafter "" CWHL '' ) at ( XXXX ) XXXX about CWHL shipping a "" NOTICE OF ASSIGNMENT


Date_received: Within the Notice
Issue: Inc.
Subissue: New Creditor 's Mailing Address ( not for payments ) : Attention : XXXX
Complaint_ID: Yes
Product:
 XXXX has highlighted : "" Federal law requires that borrowers receive a written notice whenever ownership of a loan secured by their principal dwelling is assigned

Subproduct:
 sold or transferred ( collectively "" transferred '' ) to a new creditor. You are receiving this Notice because your prior creditor transferred your loan ( described below ) to us. '' Page XXXX highlight reads : "" 3. Date Your Loan was Transferred to the New Creditor : XXXX XXXX. '' Page XXXX highlight also reads : "" 4. New Creditor 's Name : BofA Merrill Lynch Asset Holdings 


Date_received: XXXX has been told that the Creditor is not BofA Merrill Lynch Asset Holdings
Product: Inc.
Issue: XXXX ( see "" Attachment '' ). On the record to make it clear
Subissue: yes their were mergers that happened with Merrill Lynch between XXXX to XXXX
Consumer_narrative: but no time from XXXX to XXXX
Company_public_response: so BofA Merrill Lynch Asset Holdings
Company: Inc.
State: is its own individual/independent corporation. CWHL is stating that BANK OF AMERICA
ZIP_code: NATIONAL ASSOCIATION ( hereinafter "" BANA '' ) is the new creditor
Submitted_via: but XXXX has never received an updated "" NOTICE OF ASSIGNMENT
Date_sent_to_company: SALE
Company_response: OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN anytime after XXXX XXXX
Timely_response: XXXX
Consumer_disputed: as CWHL is bounded under Federal law
Complaint_ID: as it reads in the XXXX XXXX
Subproduct:
 that was incorporated in Delaware after any and all merges that may have occurred with Merrill Lynch prior to this entity being incorporated on XXXX XXXX


Date_received: XXXX spoke with XXXX on Monday
Product: XXXX XXXX
Subproduct: XXXX
Subissue: SALE
Company_public_response: XXXX until XXXX XXXX
Complaint_ID: as it reads in the XXXX XXXX
Issue:
 and was transferred and spoke to MANAGER XXXX at ( XXXX ) XXXX. They both stated and admitted that they could not find an updated "" NOTICE OF ASSIGNMENT

Consumer_narrative:
 OR TRANSFER OF OWNERSHIP OF MORTGAGE LOAN '' in their DOCUMENT MANAGEMENT PORTAL ( what they call their "" DMP '' ) from XXXX XXXX


Date_received: Also
Product: BANA has never merged with BofA Merrill Lynch Asset Holdings
Subproduct: Inc.
Issue: and BANA was created by charter by the National Banking Act
Subissue: that are under the laws of the United States
Consumer_narrative: unlike BofA Merrill Lynch Asset Holdings
Company_public_response: Inc.
Company: which was incorporated with the Department of State of Delaware on XXXX XXXX
State: XXXX. CWHL
Complaint_ID: as it reads in the XXXX XXXX
ZIP_code:
 XXXX and MANAGER XXXX at ( XXXX ) XXXX were being deceitful by attempting to say that BofA Merrill Lynch Asset Holdings 


Complaint_ID: as it reads in the XXXX XXXX
Date_received:
03/18/2016,Credit reporting,,Credit reporting company's investigation,No notice of investigation status/result,Initially disputed an account


Complaint_ID: as it reads in the XXXX XXXX
Date_received:
04/11/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,I moved into my current home six years ago. Almost immediately I began receiving telephone calls attempting to collect a debt from XXXX XXXX. I explained to the caller that they had a wrong number. There was no XXXX XXXX at this phone number or address. These calls have continued for the the entire six years I have lived at this address. Explaining to the caller that they have the wrong number succeeds only in discontinuing the calls for a few weeks. Collectors refuse to tell me for whom they are collecting the debt or what the debt is for -- since I am not myself XXXX XXXX. However

Product:
 without this information I can not write to the original debt collector and ask that the collection attempts cease. Since the calls never cease


Date_received: Convergent Resources is only one of the groups who have continued these harassing calls
Product: both under their current name
Complaint_ID: as it reads in the XXXX XXXX
Subproduct:
 and as XXXX. I finally purchased a phone with call blocking -- for one reason and one reason only -- to block calls from Convergent Resources. I periodically check the call logs

Issue:
 and find that Convergent Resources continues to call ( and be blocked ) usually several times a week. This has continued for at least six months. I have a certain satisfaction at least in knowing that Convergent Resources is wasting their time continuing to make these calls


Date_received: 04/11/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Company: XXXX
Company_response: I had no recourse as this information was provided to me late. Moreover
Timely_response: as I was paying as agreed
Consumer_narrative:
I sent a 30 day demand letter to Bank of America stating my grievance. Below is an excerpt from the letter explaining the situation : " On or about XXXX XXXX

Company_public_response:
 the following unfair or deceptive act occurred : I called Bank of America to advise that my mortgage payments for the property located at XXXX XXXX XXXX

State:
 NH XXXX XXXX be late. This was due to that fact that I was on maternity leave and receiving a reduced income for that period of time. I had been routed to your loan modification department and was advised by the representative I was assigned to that I would qualify for a loan modification and that I could pay reduced payments. I was advised on numerous occasions by this employee that there would be no impact to my credit if I decided to take this course of action and made all of my payments as agreed. During the period of time that I was paying the reduced amount

ZIP_code:
 I received letters from Bank of America threatening foreclosure on my home and when I called my point of contact to inquire about them

Submitted_via:
 I was advised to disregard the letters. He advised that the departments did not "" talk '' and that everything would work out once the loan modification had been finalized. XX/XX/XXXX

Date_sent_to_company:
 I received a notification from my credit monitoring service that my mortgage was 120 days late. This was just as I was finalizing my loan modification. My original point of contact no longer worked at your company and I was routed to another representative. She advised that this loan modification would indeed adversely impact my credit. Unfortunately

Consumer_disputed:
 I still could not fathom why my account would be viewed as late or delinquent. I attempted to dispute this delinquency through the credit bureaus as I had been provided misinformation by your company. Further

Complaint_ID:
 I had not been late in making payments that your company and I mutually agreed to. I was not successful in my disputes as your company indicated to the credit bureaus that I was indeed late in making my payments. I called recently to request a letter from your company stating that I paid my settlement agreement on time as my credit score had been impacted and the representative in the loan modification department told me that there would not have been an impact to my credit if I paid on time. I explained to her what happened to me. It is unfortunate that your company still has not properly educated your employees on the impact to consumers and that they continue to provide misinformation without repercussions to them or your company. I would advise you to check your phone records as they relate to my account for proof of the aforementioned conversations occurring


Date_received: 03/23/2016,Prepaid card,Electronic Benefit Transfer / EBT card,Managing
Product: opening
Subproduct: or closing account"
Consumer_narrative: I followed the procedure and the XXXX account was "" Verified ''. After
Company_public_response: 7 business days of waiting for my funds to be transferred into the XXXX Account
Company: the "" Verified '' funding source for my XXXX Card
Subissue:
I have an AMEX XXXX account and have had it for about 2 years. Approx 2 weeks ago, I requested a transfer of funds from my XXXX account, back into the account that was used to fund the XXXX Account, it is a XXXX Checking account. When I originally opened the Serve Account, AMEX requested that I " Verified '' the account that would be the source of funding for the Serve Account.

State:
 I was instructed to go through the verification process again. I complied and it was completed this past Monday. Today is Wednesday XXXX XXXX


Date_received: 04/06/2016
Product: Debt collection
Subproduct: Credit card
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: even on Sundays
State: XXXX had also made a payment on the account. Now on XXXX XXXX
Submitted_via: apparently
Complaint_ID: Yes
Consumer_narrative:
On XX/XX/XXXX I passed out due to a XXXX.My wife called the City of XXXX XXXX XXXX XXXX. I was taken to XXXX XXXX XXXX Hospital.Te XXXX charged my insurance, Medicare XXXX and XXXX XXXX XXXX, te amount of {$1400.00}. XXXX XXXX, my XXXX, paid {$1000.00}. For unexplained reasons Medicare denied payment for the remaining balance for which I was never billed till XXXX XXXX XXXX when I received a letter from Harris and Harris, a collection agency charging me {$500.00} for that service.On XXXX/XXXX/XXXX I contacted the City of XXXX XXXX ambulance services. They accepted that they had not billed me at the right address. A lady by the name XXXX assured that her office " would pull out '' the charges from Harris and Harris and would check the status of my account since my secondary had paid most of the charges and more than two ( 2 ) years had already passed.Nonetheless Harris and Harris kept on calling at different times of the day and evening

Company:
 demanding immediate payment of the "" outstanding '' debt.On XXXX/XXXX/XXXX I called Harris and Harris and talked to a gentleman named XXXX who apologized for the inconvenience and assured me that Harris and Harris would withdraw the charges since his records showed the payment made by XXXX.According to him

ZIP_code:
 XXXX I received a Delinquency Notification for the same amount {$540.00} on behalf of the City of XXXX XXXX Fire Dept-XXXX. I have called that agency and was told that there is no record of that debt since


Product: easy
Issue: telling borrowers about the status of any loss mitigation application
Subissue: and making sure documents get to the right servicing personnel for processing. Green Tree had
Consumer_narrative: in a letter
Company_public_response: provided an agent for this account
Complaint_ID: Yes
Date_received:
Direct and Ongoing Access to Servicing Personnel : Servicers must have policies and procedures in place to provide delinquent borrowers with direct

Subproduct:
 ongoing access to employees responsible for helping them. These personnel are responsible for alerting borrowers to any missing information on their applications

Company:
 XXXX @ extension XXXX. I have left numerous messages without ever receiving a callback. In XXXX & XXXX


Complaint_ID: Yes
Date_received:
No Foreclosure Sale Until All Other Alternatives Considered : Once the servicer offers an alternative to foreclosure

Product:
 they must give the borrower time to accept the offer before moving for foreclosure judgment or conducting a foreclosure sale. Servicers can not foreclose on a property if the borrower and servicer have come to a loss mitigation agreement

Subproduct:
 unless the borrower fails to perform under that agreement. Green Tree has never initiated "" loss mitigation options '' as set by the rules of the CFPB


Product: XXXX v. XXXX ( Experian )
Subproduct: and XXXX v. XXXX
Issue: XXXX et
Complaint_ID: Yes
Date_received:
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XP/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$490.00} REV {$0.00} {$0.00} {$0.00} XXXX 1 PD WAS XXXX XP/XXXX/XXXX Late Dates : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX {$400.00} REV {$0.00} {$0.00} {$0.00} XXXX PAID CHGOFF XP/XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX v XXXX


Product: XXXX
Subproduct: XXXX
Issue: XXXX
Subissue: XXXX
Consumer_narrative: XXXX
Company_public_response: XXXX
Company: XXXX
State: XXXX
ZIP_code: XXXX
Date_sent_to_company: XXXX
Company_response: XXXX
Timely_response: XXXX
Consumer_disputed: XXXX
Complaint_ID: XXXX
Date_received:
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX {$1500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX SETTLED XXXX/TU Late Dates : XXXX

Submitted_via:
 XXXX XXXX XXXX XXXX XXXX XXXX {$500.00} REV {$0.00} {$0.00} {$0.00} XXXX XXXX XXXX XXXX PD WAS XXXX XXXX Late Dates : XXXX


Date_received: 04/12/2016
Product: Credit card
Issue: Customer service / Customer relations
Company: I was told Citibank handles that aspect
State: but
ZIP_code: regardless
Submitted_via: that I only had to reserve by XXXX/XXXX/XXXX
Company_response: with later expiration dates. Also
Timely_response: I was told I only had to book by XXXX/XXXX/XXXX
Consumer_disputed: not stay. I called Citibank again on XXXX/XXXX/XXXX to ask about the reissued certificates
Complaint_ID: and was told they would not reissue them ( and
Consumer_narrative:
Citibank with XXXX XXXX had a promotional offer to open credit cards under the Citi XXXX XXXX line : spend {$2500.00} in the first 3 months and the cardholder would receive XXXX free weekend stays at a hotel in the XXXX portfolio. I applied for the card in XXXX XXXX and spent more than {$2500.00} in the first 3 months. I never received my rewards certificates. I called Citibank on XXXX/XXXX/XXXX to inquire about them, was told they had been issued ( although I never received them ), and that I had to call XXXX regarding details. XXXX told me when I called they were issued and they expired XXXX/XXXX/XXXX. When I said I never received them, XXXX said the company had " gone green '' and no longer issued paper certificates

Company_public_response:
 and that they did not have an email address associated with my XXXX profile. I know this statement is incorrect because XX/XX/XXXX and XX/XX/XXXX I received emails from XXXX 's reservations department. When I asked XXXX for an extension of the rewards certificates ' expiration dates

Date_sent_to_company:
 not stay. I called Citibank again and was told I would have my certificates reissued in 10 to 14 days


Date_received: I would understand if I
Product: through some fault of my own
Subproduct: misplaced or overlooked the certificates when they were sent to me
Subissue: I feel deceived by both Citibank and XXXX
Company_public_response: and likely harms other consumers ( indeed
Company: cursory web searches reveal similarly situated customers )
Complaint_ID: and was told they would not reissue them ( and
Issue:
 but that did not occur. I was simply never sent the certificates and never informed they had supposedly been issued until the month of their alleged expiration. Not only do I want my owed sign-up bonus

Consumer_narrative:
 and am concerned that their practices are misleading to other customers. These business practices harmed me


Product: LLC"
Subproduct: TX
Issue: 16052
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/08/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: and was told they would not reissue them ( and
Date_received:
04/06/2016,Debt collection,Credit card,Taking/threatening an illegal action,Threatened to sue on too old debt,,,National Principal Group


Date_received: 04/12/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: XXXX ; And 2. XXXX for Fraudulently attaching themselves to my old loan
Company: UNABLE TO PROVE a Recorded Assignments existed
Complaint_ID: and was told they would not reissue them ( and
Consumer_narrative:
This is a Formal Complaint against ; 1. NATIONWIDE TITLE CLEARING INC. For performing Unlawful, deceitful practices by Altering documents to their advantage and filing faulty assignments nominating themselves as the " Substituted Trustee '' for the benefit of their client and Partner in Crime


Complaint_ID: and was told they would not reissue them ( and
Date_received:
A crime has been committed and I Request an Investigation and an Audit of all their records. I guarantee there is no Proof of Assignments or Alleged documents they Claim entitled them to my property & sale Proceeds. So far


Date_received: In order to Justify their Bogus claims are not Fraudulent
Product: I DEMAND ALL OF THEIR CLAIMS TO BE BACKED UP BY PRESENTING Convincing
Subproduct: and Legitimate HARD CORE EVIDENCE to CFPB
Subissue: 2015 when XXXX Mortgage without having Legal Assignment to collect my sale Proceeds
Consumer_narrative: shamelessly Accepted said Proceeds on their own behalf. In Absence of a TRUE Note owner
Company_public_response: I demand to know ON WHO 'S BEHALF DID XXXX Take my SALE PROCEEDS When contrary to their disclosure
Complaint_ID: and was told they would not reissue them ( and
Issue:
 Said EVIDENCE MUST Prove an UNBROKEN CHAIN OF TITLE showing ALL Genuine DOCUMENTS comprising All RECORDED ASSIGNMENTS TRACED BACK TO THE ORIGINAL DATE OF PURCHASE Until Close of Escrow Dated XXXX


Date_received: Once again
Complaint_ID: and was told they would not reissue them ( and
Product:
 I demand to see Assignments. A major crime has been committed and It is very Obvious that they 've tried to Manipulate me and the legal System as well so they look the other way. You are our only hope. Please do n't allow them to Manipulate CFPB as well. These XXXX companies are CRIMINALS and Have Many Fraud Complaints and Lawsuits Filed against them. By checking CFPB site alone


Subproduct: which states ( Our records Indicate ... Followed by providing me with Lies about the Trustee
Issue: Note Owner
Subissue: Address and wrong
Consumer_narrative: non working Phone number ). while XXXX clearly denied ever being affiliated with said Property
Company_public_response: Why would XXXX 's record show such and such lies?! Clearly
Complaint_ID: and was told they would not reissue them ( and
Date_received:
Please Note that XXXX has been sent the QWR Letter twice and XXXX times Failed to answer my Legitimate Inquiries

Product:
 Failed to show documentation that I have requested and failed to produce the note and Proof of Assignments to service my loan. XXXX also WILLINGLY and KNOWINGLY LIED ABOUT THE TRUSTEE AND OWNER OF THE NOTE by sending me the same LIE FILLED Note


Date_received: Put another way
Product: if I were to send the bank a mortgage payment by mail and it never arrived
Subproduct: could I then charge the bank for reissuing another check to them? If I can
Subissue: if I were a dishonest sort ). I suspect this is not the case and that in fact
Complaint_ID: Yes
Issue:
 this is great news as this amounts to a {$15.00} dollar discount on every payment henceforth ( well at least

Consumer_narrative:
 I would be slammed with additional fines for delinquent payment. I am quite furious at the nefarious implications here. How do I know that financial institutions do not simply pretend to issue refunds

Company_public_response:
 then when XXXX Consumer calls they inform him he can receive the payment if only he pays a "" small '' ( an operative term depending on one 's financial status ) re-issuance "" fee. '' This seems to amount to an exercise in extortion. "" That 's a really nice check there


Date_received: 04/06/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
I strongly suspect that Vital Recovery Services sold my " debt '' after I informed them that no one at my phone number had any overdue debts and that their calls had to stop. Subsequently


Complaint_ID: Yes
Date_received:
I tried to reason with XXXX letting her know that what I wanted was a copy of the original letter notifying me that the car was impounded with XXXX XXXX near the date of impound as required by law. With that letter we can validate the debt to being mine and correct. If I received this letter I would not dispute the collection. XXXX stated that they would not send me a copy of this letter nor would they remove this collection from my credit report. She said I had to wait for the collection to go away on its own ( which it will in a few months ) She got frustrated going in circles with me so she said " had a good day '' a few times and hung on me. I come from a customer service background and hanging up on a customer is not an appropriate response to conflict. I could understand a hang up if I was being rude or disrespectful. I felt like she was treating me like I was making a frivolous request


Date_received: 04/06/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Subissue: Threatened to take legal action
Company_public_response: that "" if I have not made satisfactory arrangements by XXXX XXXX
Company: my account may be referred for legal action
State: including having a lawsuit being filed against "" me. The letter further states
ZIP_code: "" In order to avoid legal action being taken against you
Submitted_via: please contact me IMMEDIATELY. "" Sincerely
Date_sent_to_company: Tower Loan of XXXX XXXX XXXX by : XXXX
Complaint_ID: Yes
Consumer_narrative:
On XXXX XXXX I made arrangements with loan Tower Loan Of XXXX XXXX to pay {$110.00} which is 30 days past due and current months payment on XXXX XXXX. I was contacted by a family member and friends XXXX minutes prior to my arrival home from work and advised that a female employee from Tower Loan of XXXX XXXX in white car was looking for me and waiting for me at my residence with an envelope. Upon arrival at my home the female had left and I was given an envelope she had left with a friend. This envelope contained a letter dated XXXX XXXX stating I am " delinquent in amount of {$310.00} which includes late charges and other fees ''. And


Product: Inc."
Subproduct: MD
Issue: 21229
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/12/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/12/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 04/06/2016
Product: Debt collection
Subproduct: Federal student loan
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Complaint_ID: Yes
Consumer_narrative:
had a student loan from XXXX around XX/XX/XXXX-XX/XX/XXXX. i was in car accident and not able to pay off. eventually i went back to work and filed tax return and IRS had deducted balance owed to student load from ta return and was paid in full. debt was still given to Portfolio recovery and they are trying to collect on a debt that has been satisfied as well as exceeding the statue of limitations for both XXXX and XXXX whee i currently reside. there has never been a payment sent to them to " reset '' the debt collection process. i have asked them to stop and explained to them that its been paid


Date_received: 04/02/2016
Product: Debt collection
Subproduct: Mortgage
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Company_public_response: with wet ink signatures that shows whether or not GATEWAY MORTGAGE GROUP
Company: LLC is the HOLDER OF THE NOTE. I believe GATEWAY MORTGAGE GROUP
ZIP_code: LLC responded by sending a copy of the "" Note '' and Deed of Trust on XXXX XXXX
Submitted_via: XXXX. The copy of the "" Note '' had been countersigned by the Vice President
Date_sent_to_company: of GATEWAY MORTGAGE GROUP
Company_response: LLC
Timely_response: XXXX XXXX
Complaint_ID: Section 27. Also in this XXXX XXXX
Consumer_narrative:
Communication requesting verification of debt was sent to GATEWAY MORTGAGE GROUP , LLC on XXXX XXXX, XXXX and XXXX XXXX, XXXX demanded to inspect the " Original Mortgage Note ''

State:
 LLC has sold the original Note and has failed to give credit to my account. GATEWAY MORTGAGE GROUP 

Consumer_disputed:
 "" Pay to the order of : Without Recourse Gateway Mortgage Group LLC By ( XXXX XXXX 's Signature ) which violates the the National Currency Act of 1863/1864


Subissue: which is in the form of the new loan
Complaint_ID: Yes
Date_received:
Last month I refinanced and consolidated XXXX of my student loans into XXXX. In doing so, XXXX estimated the payoff $ amount, which ended up being {$120.00} higher than what was needed to pay off the old/refinanced loans and caused the loan balance to turn negative by this amount. On XXXX/XXXX/2016 I sent a written request to XXXX/Mohela through the message center on their website, asking them to promptly refund me the overpayment. They replied on XXXX/XXXX/2016 and said, " Thank you for contacting MOHELA. According to our records

Product:
 you will have a refund in the amount of {$120.00}. We will initiate the refund process 21 business days after the date the payment posted to our system. After the waiting period has passed

Subproduct:
 a check will be generated and mailed within 2-3 business days to the address on file. If you have any questions please contact MOHELA XXXX XXXX at XXXX or via secure message. '' I was very upset about this response

Issue:
 because XXXX/Mohela 's practice of requiring such a waiting period and not refunding the overpayment is hurting me. Effectively I am paying interest on the overpayment


Complaint_ID: Yes
Date_received:
I responded to XXXX/Mohela 's response on XXXX/XXXX/2016 and explained the above as well as re-requested a prompt refund. It is now XXXX/XXXX/2016 and I have yet to hear back from them. I am concerned not only for myself


Complaint_ID: Yes
Date_received:
04/12/2016,Mortgage,Conventional fixed mortgage,Credit decision / Underwriting,,I purchased this home as my principle resident in XXXX with another lender


Complaint_ID: Yes
Date_received:
04/02/2016,Credit card,,Rewards,,I have had a Citi Forward card since XX/XX/2011 and the rewards offered were XXXX Thank You points per dollar spent in restaurants and entertainment. This week I received a letter informing me of the forced migration in XX/XX/XXXX to a new reward scheme offering just XXXX Thank You points per dollar spent in the same categories


Complaint_ID: Yes
Date_received:
I have called Citi requesting to stay under my current terms or migrate to another card with a similar or better value proposition


Date_received: 04/06/2016
Product: Credit card
Issue: Billing disputes
Company_public_response: telling how the items were originally purchased. A credit was placed on my bloomingdale 's card
Company: as has been done before when I have returned gifts. When I called to check on my bill
Complaint_ID: No
Consumer_narrative:
I returned XXXX gifts to Bloomingdale 's in XXXX. I showed them all of the receipts and all items had the " required for return to bloomindale 's '' stickers that give them the transaction history

State:
 I still had a credit balance and they asked if I wanted a refund check. I said yes. They said it would be 7-10 days. I never received it. I was sent a letter stating that the items were not originally charged on my credit card ( of course not

ZIP_code:
 they were gifts charged on my mother 's card ) and they wanted history of purchase. I had already given them that information. They suggested that I return to Bloomingdales ( a 50 minute drive ) with the receipts again. I told them that was unreasonable

Submitted_via:
 as I had already done that a month before when I returned the items. I provided them the information and they should have record of purchase on my mother 's account. The customer service agent I was speaking to kindly agreed to look up and provide them the information they had requested. I still did not receive a check. I filed a complaint with the XXXX ( Complaint ID # XXXX XXXX over a month ago and Bloomingdale 's has not responded. It does not seem legal that they refuse to pay me my credit balance on the credit card. It has almost been three months since my first request. They have been paid for the merchandise and have been returned the merchandise


Date_received: 04/02/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/16 I made a payment by phone to " XXXX XXXX '' of "" XXXX XXXX XXXX XXXX '' in amount of {$340.00} -- payment in full for medical date of service XXXX/XXXX/16. This account was paid IN FULL and was NOT PAST DUE. On XXXX/XXXX/16 I received a "" transmittal notice '' from "" Transworld Systems 


Complaint_ID: Yes
Date_received:
04/06/2016,Bank account or service,Checking account,Problems caused by my funds being low,,I was recently charged an extensive amount of Overdraft fees in the amount of {$100.00} and a monthly maintenance fee of {$12.00}


Product: credit bureau reporting
Complaint_ID: Yes
Date_received:
04/06/2016,Student loan,Non-federal student loan,Dealing with my lender or servicer,Keep getting calls about my loan,I co-signed on a loan for my spouse as she completed her XXXX XXXX degree. She graduated and 4 months later enrolled in her XXXX degree program ( XXXX ) which she is currently enrolled XXXX. The XXXX loan issuer ( Firstmark/Nelnet ) has demanded repayment of the loans while she is enrolled in her XXXX XXXX program despite their website stating that full time enrollment qualifies for deferment. They are threatening collections


Date_received: 04/12/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Complaint_ID: Yes
Consumer_narrative:
We operate multiple businesses and receive several fund options for cash advance, account receivable, term loans, etc because of our strong credit file. The offers demonstrate preapproved deals and some even come with a card and check. I call them and I ask them specific question to avoid any middle broker taking my critical financial information to multiple other companies that may or may not be direct lenders " ARE YOU A DIRECT LENDER AND IS THIS YOUR OWN FUND? ''. I specifically asked them to confirm that they are a direct lender. I will not seek credit from a broker as we have been burnt in the past by fraud. Also


Product: 2016
Subproduct: I paid XXXX XXXX {$680.00} of the {$970.00} balance
Issue: Capital One in XXXX 2016
Consumer_narrative: they will continue to report and try to collect the amount
Complaint_ID: Yes
Date_received:
04/02/2016,Credit card,,Payoff process,,I had a personal Capital One credit card ( actually XXXX of them ). I got be hide on the payments due to owning my own business. I was contacted by XXXX XXXX collecting agency demanding a payment. I contacted XXXX XXXX and came to a resolution on the account. XXXX XXXX and I agreed to a settlement offer. On XXXX XXXX

Subissue:
 started reporting the collection balance of {$290.00}. ( the difference between the XXXX amounts ). I contacted Capital One and the representative stated unless I pay the {$290.00}


Subproduct: by email
Complaint_ID: Yes
Date_received:
04/02/2016,Consumer Loan,Title loan,Received a loan I didn't apply for,,An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me

Product:
 and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally

Issue:
 and by fax that this is not my account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me

Subissue:
 and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and have determined fraud. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report

Consumer_narrative:
 and identity theft affidavi as well as a letter from JAG so that they would know that this is not my account


Date_received: 04/06/2016
Product: Credit card
Issue: Delinquent account
ZIP_code: Capital One
Submitted_via: XXXX
Complaint_ID: Yes
Consumer_narrative:
Today on XXXX XXXX, 2016 I received a phone call at my work number from a representative of Capitol One Card. They are calling me because I have not made any payments on my Credit Card since XXXX 2016, and I informed them that I had turned the account over to a management company. They ask me if they were a credit counseling agency or a debt consolidation agency. My response is " they do both

Company_public_response:
 and I do not wish to speak with you further because I contacted your office in XXXX to try and help me lower my payment or rate and you refused to do anything at all '' and they state "" I am sorry about that but now that you are behind we have things that we can offer you

Company:
 however if you are working with a debt consolidation company we absolutely do not work with them we do not consolidate our debts and we will hire an attorney to come after you if the debt goes into default and the consolidation company offers us a settlement which we will take and then have the attorney come after you for the rest of the money owed at which point your credit will be ruined. I am angry with this attitude. I was a loyal customer who paid on time

State:
 and I attempted to negotiate with each of my credit accounts when I realized that my income was being adjusted temporarily. They all refused to work with me in any way XXXX

Date_sent_to_company:
 and XXXX. Now that I have updated my contact information with the phone number of the XXXX XXXX XXXX management company everyone including XXXX is calling me at phone numbers that are not longer listed on my account. I want a letter of apology from XXXX XXXX for their unfriendly attitude with consolidation debt companies

Company_response:
 and an acknowledgement that they will work with them on my account! Capital One can provide you with the date and time of conversations that I had with the credit representatives in XXXX where I tried to communication with them of upcoming financial burdens and they absolutely refused to offer anything prior to my credit becoming ruined. I believe I was being a responsible consumer


Date_received: 04/12/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: 000
ZIP_code: but NOT telling me WHO to send them to- yet Residential continued cash them
Date_sent_to_company: to no avail
Company_response: I finally thruway hands up and paid XXXX in excess of {$44000.00} to settle the forclosure
Timely_response: legal fees
Consumer_disputed: appraisals
Consumer_narrative:
I applied for a mortgage with Residential Home Funding in XXXX of XXXX. Despite my " stated income '' of {$XXXX} per YEAR they managed to underwrite my loan for {>= $1

Company:
000}. I can only assume because of an inflated appraisal of my home ( or accurate ) they saw me as a prime target and expected me to fail. I was working XXXX jobs in XXXX of XXXX as well as enduring brutal divorce and raising XXXX kids alone with no financial support and a other with XXXX XXXX. I found it more than surprising that in a mere 2 years my house value went from {$590.00} to $ XXXX. Having BEEN a realtor I was shocked .... but none the less if I did not get the loan I was prepared to sell. I maintained patents to Residential Home Funding through XXXX of XXXX from automated checking. Was NEVER late. I was served with foreclosure in XXXX from XXXX

State:
 not knowing this was now my servicer. the ONLY notification I got was a returned checkin XXXX telling me to stop sending my checks to them

Submitted_via:
 as evidenced on the back endorsement. After innumerable attempts to straighten out the financial part with XXXX

Complaint_ID:
 etc in XXXX of XXXX. The proper accounting was never corrected and I continued to pay XXXX until I book my back in XXXX. To my understanding XXXX as well as the XXXX ( XXXX ceased to exist as entities and sold off all of their "" bad '' loans


Date_received:
04/12/2016,Credit card,,Unsolicited issuance of credit card,,I received an active credit card in my name mailed to my house. A Chase Amazon card in which I have never did business with XXXX. In my profile my email address was changed. I have been getting a run around when I try to find out why the card was sent in the first place. Who ordered the Card? Who changed my email address? and How did they get past my security question? Here is a Company that just sends a card to your house that your not expecting and if stolen ... This is a Major concern and if they are just sending cards out because it 's rates are more COMPANY friendly than the one I already have. I have called a number of times on the phone for sometime with the security specialist and when I ask for the information about the card they want to transfer me to credit card applications. and every time they transfer you


Date_received: 04/06/2016
Product: Credit card
Issue: Late fee
Complaint_ID: Yes
Consumer_narrative:
We used a Home Depot credit card with a 6 month no interest. We were leaving for XXXX for two month during the winter and paid the card off. When we returned to XXXX we checked our mail and we had a late fee from Home Depot ( Citi ) on a zero balance which in turn had another late fee on the first late fee. So when I called the XXXX number and enter my information the automated system tells me " this is an attempt to collect debt '' ... first of all I 'm the one that called!! ..This would have been a lot easier if they would have called a month ago. I told them that I had paid the card off and was out of town not expecting any problems. We paid the card off on a Sunday which the payment went through on a Monday. They told me when I paid it off

Company_public_response:
 the payment should have been made on the Saturday but the payment would have still been made on the Monday. They made me pay a {$27.00} late fee saying that they took XXXX off but how can I get a late fee from something that has a ZERO balance? What they are doing is charging people and then keep charging them without even contacting them so they can keep making more money! ..I paid the money and closed the account in which they did n't care. They tell me ok we 'll send you an e-mail with the closing information ... wait..what? They can e-mail without even asking for my e-mail because they already have it on file but they ca n't e-mail me XXXX tell me I 'm incurring late fees?? These people are crooks and the Home Depot has lost all my business because of them!! Funny thing is


Product: Inc."
Subproduct: TX
Issue: 78626
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/06/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/06/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
04/06/2016,Student loan,Non-federal student loan,Getting a loan,Qualify for a better loan than offered,I went to XXXX for my education


Complaint_ID: Yes
Date_received:
04/06/2016,Credit reporting,,Credit reporting company's investigation,Inadequate help over the phone,I have disputed an account showing on my credit report with Equifax from XXXX XXXX XXXX XXXX in the amount of {$8100.00}. I have send XXXX XXXX XXXX XXXX XXXX letters requesting the contractual agreement with me and their company for that loan. XXXX on XXXX occasion asked me to send them a copy of the credit report that is reporting this information in which I did. Each time I request the contract information they never able to send it. I then dispute this Item with Equifax letting them know that I have no knowledge of this account with XXXX XXXX. Equifax somehow able to verify that this account belongs to me. when I call Equifax I was told that I have to provide proof that I try to reach out to XXXX XXXX asking for the contract and payment information or else I can not dispute this item again.I then send a copy of all the letters sent to XXXX XXXX XXXX XXXX along with the mail receipt showing that I did try to get them to respond to my request. All information that was send to Equifax was via online Equifax.com/disputes. Again Equifax say that this account is verified by the creditor. Since neither Equifax nor the creditor are unable to provide me with the information that I requested I need Equifax to remove this item from my credit report. This account is showing that charge off


Date_received: 04/07/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Complaint_ID: Yes
Consumer_narrative:
XXXX XXXX in XXXX notified me, a renter, that the landowners meter that was over XXXX years old and equipment owned by the XXXX XXXX XXXX was not reading correctly a.k.a. XXXX, being me was being assessed charges that XXXX XXXX Claims that they can not validate in any way is a correct amount that should be paid, but calculated the usage of the home, which was empty for 8 months before I moved in and came to the average of the neighborhood and assessed me over XXXX dollars was owed. I filed a dispute with the Iowa Utilities board in which I agreed in XX/XX/XXXX to pay XXXX for. On XXXX XXXX I was given a disconnect notice for that ageed amount and forced to call XXXX XXXX to " make Arrangements '' to pay. I emailed stating I would pay XXXX a month extra a month until it was paid and my monthly bill. In turn a employee by the name of XXXX stated she could n't write the agreement up that way the computer was n't allowed to but she I quote you stated '' But I can fix this and write up the agreement for you '' So she returned the agreement. Me believing that I had to pay the monthly bill by XXXX XXXX

Company_public_response:
 which I paid my monthly bill and had to start paying the XXXX dollars. What the employee did was slip in not only my monthly payment

Company:
 but I would also pay an additional XXXX dollars and they she wrote the agreement that the additional XXXX would be paid by XXXX dollars

State:
 totally rewriting the debt in full after agreement was made to pay XXXX. Then when the error I pointed out to them from XX/XX/XXXX-XX/XX/XXXX the XXXX XXXX against the Utility board settlement agreement renigged on that deal to find out

ZIP_code:
 all along they were charging me incorrectly as they sent me a notice to pay state taxes as a renter for the usage of electricity because XXXX XXXX was not charging me residential prices

Submitted_via:
 but they ahd been charging me based on a Business rate. When I called to place this in my name they were told it was residential use

Date_sent_to_company:
 they were told several tmes I am a renter not running abusiness. So the entire bill itself from XXXX XXXX until XXXX of XXXX I was being charged as a business rate not a resident which make the whole XXXX debt wrong. They have falied to listen they have failed to do anything but now send collection people after me and damage my credit they breached the deal and over charge dme and charged me for months I was n't even living there


Date_received: 04/12/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
National Credit Systems , Inc. XXXX XXXX XXXX, XXXX, GA XXXX, XXXX or XXXX ) called multiple times with caller ID deceptively displaying " XXXX XXXX ''. Also


Date_received: 04/12/2016
Product: Debt collection
Subproduct: I do not know
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer_narrative: A " representative "" by the name XXXX XXXX from Weistein Karp and Associates
Company: I do not answer blocked calls. Secondly
Complaint_ID: Yes
Company_public_response:
 continues to call and text me repeatedly at all hours of the day from blocked numbers. First and foremost

State:
 this person continues to leave "" smart allec "" and condescending comments in an attempt to belittle me. This "" company "" failed to follow appropriate collection activity that in turn


Product: Karp & Associates
Subproduct: Inc."
Issue: OH
Subissue: 444XX
Company_public_response: Consent provided
Company: Web
State: 04/12/2016
ZIP_code: Closed with explanation
Submitted_via: Yes
Date_sent_to_company: No
Complaint_ID: Yes
Date_received:
,Company believes complaint represents an opportunity for improvement to better serve consumers,Weinstein


Date_received: 04/07/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Submitted_via: the number of days in that period and how much went to principle and interest
Complaint_ID: Yes
Consumer_narrative:
This is in regards to both my Auto Loan and Consumer Loan with NFCU. Over the last two months I noticed the breakdown of my per Diem and the amount going to principal/interest based on the number of days in the billing cycle was wrong.I was being over charged interest despite the calculation of the per Diem x number of days since last payment. I called over two weeks ago and was told our account would be audited. ( The reason their representative recommended an audit was because she too said we were being charged more and she did n't know why. ) After a week of no response, I called back only to be told by a manager an audit was never sent but a " Financial Hardship '' request was. ( I am paid a month ahead on both my loans so I do n't understand why this was even a thought. ) She said the request was re-entered

Company_public_response:
 sent "" urgent '' and two business days we 'd hear back. It 's been almost three weeks and still no call. They have failed to provide the per Diem and P/I interest breakdown since the start of the loan which we have requested. We were also told that between the initial complaint and last it was corrected however

Company:
 we never received information regarding the correction or any credit to our bank account or principal balance of the loan. ( We do n't even know how long it had been going on because again

State:
 NFCU has continually failed to provide the information requested. I was also told I would be able to pay towards the principal of the loan eventually paying it off early however

ZIP_code:
 now I am told they do not offer that option. They only allow me to pay the balance in full or pay ahead. If I continue to pay "" ahead '' as instructed that serves me no good as they will still collect on daily interest until the payment is finally made. I have continually been given false or inaccurate information since I took out these loans. When I have asked for statements from the beginning of the loan with the breakdown of the per Diem

Date_sent_to_company:
 they send me a transaction history which is the same information provided online. ( The date and amount of the payment made ) I have also been told to keep calling back if I do n't hear a response within the provided time frame. This is not my responsibility. It is their responsibility to follow on with their "" audit '' as their representative explained and call me or provide me something with the findings along with what I have asked. "" Adjusting/Correcting '' the account without following up or giving me the credits for overcharging is fraud. I no longer have the examples of what was off because it is now "" lost '' due to the initial filing never being completed or completed accurately. This is absolutely inexcusable especially when I have never been late on any of my loans


Product: LLC"
Subproduct: TX
Issue: 750XX
Subissue: Servicemember
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 03/29/2016
State: Closed with explanation
ZIP_code: No
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes complaint represents an opportunity for improvement to better serve consumers,ZENCO COLLECTION


Date_received: 03/29/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Complaint_ID: Yes
Consumer_narrative:
I 've received inconsistent information about whether I 'm in forbearance or deferment and they claim those XXXX statuses are " the same '' and neither negatively impact my credit history. I 'm pretty sure this is wrong but I am unable to find accurate information on the details of each. I have also requested to have my billing cycle changed from quarterly to monthly and reduce my payment amount based on my financial obligations to other student loans

Company_public_response:
 instead of processing my request they put me into forbearance/deferment and when I inquired what I had to do successful change billing cycle/payment amount they referred me to the same form that resulted in the forberance/deferment status. I find them very difficult to communicate with and the rare communication I do receive feels like they 're just trying to push me off to either "" call the credit bureau '' or "" that 's not my department


Product: Inc."
Subproduct: TX
Issue: 76009
Consumer_narrative: N/A
Company_public_response: Phone
Company: 04/07/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/07/2016,Credit reporting,,Incorrect information on credit report,Account terms,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Product: Inc."
Subproduct: IN
Issue: 47355
Consumer_narrative: N/A
Company_public_response: Referral
Company: 04/07/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/07/2016,Debt collection,Credit card,Disclosure verification of debt,Not given enough info to verify debt,,,NCB Management Services


Issue: it did not come back to a company
Complaint_ID: Yes
Date_received:
Today, XXXX XXXX, 2016 I got a call from ( XXXX ) XXXX. I have had repeated calls from this number and no one ever answers on the other end. I had a call from this number on XXXX XXXX at XXXX, on XXXX XXXX at XXXX, and today at XXXX. I chose to call the number back to ask to be removed from their call list. The person answered as " Transworld Systems '' and asked who I was. I gave only my first name and told them I wanted my number removed from their list. She asked if I was ( my first and last name ) and I said yes

Product:
 then she said they had been trying to reach me. I told her that I had already spoken to someone and they refused to tell me why they were calling. I also told her that I have no outstanding debts and that there was no other reason for them to be contacting me. I asked to speak with a supervisor to be removed from their call list. She never offered to transfer me to a supervisor

Subproduct:
 but confirmed my telephone number and said I had been removed from their call list. When I looked up this phone number


Date_received: 04/07/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: late charge. Note went up. Sold to Greentree
Company: had fines attached
State: note went up more. Now sold to ditech
ZIP_code: note {$400.00} more than original fixed rate loan
Date_sent_to_company: was told papers had to be in XXXX XXXX
Company_response: on XXXX XXXX I received the package
Timely_response: with someone else 's modification paperwork. Called
Consumer_disputed: spoke to XXXX people
Complaint_ID: no answers
Consumer_narrative:
Our loan was sold to everhome. Fines for online or phone payments added to " fees '' instead of debit from Bank account. Snowballed amount. Payments would be sent a month early but somehow would n't post until after the grace period

Submitted_via:
 had thousands of fees. Was told not to make payment for XX/XX/XXXX and XX/XX/XXXX to qualify for trial loan modification. Made the 3 trial payments


Date_received: 04/07/2016
Product: Bank account or service
Subproduct: Savings account
Issue: Deposits and withdrawals
Company_public_response: I do n't see any telltale signs of it being fraudulent. '' She also said
Company: "" once the money posts to your account
Submitted_via: since this was a Friday
Timely_response: 2016
Complaint_ID: Yes
Consumer_narrative:
I was selling a truck on XXXX. A buyer emailed me to say he wanted the truck. I was selling the truck for {$1800.00}. He said he was going to send me a cashier 's check for {$3300.00} because he was in another state and he wanted me to send money to his car mover who would come with a trailer and pick up the truck. I took the cashiers check to my bank, Wells Fargo. I told the teller I was suspicious of the check and that I would like a manager to look at it and tell me whether it was legitimate. XXXX XXXX XXXX, the service manager of the branch, came out and looked at the check and said, " It looks good to me

State:
 the money is yours and you can spend it. '' She told me I could also send it off to someone to check it for validity

ZIP_code:
 but I told her that if she said it was good I trusted her. She said it was. I deposited the check that day. XXXX XXXX then told me that

Date_sent_to_company:
 if the money posted to my account on Monday then go ahead and spend it. I waited the weekend and the money posted to my account. I sent {$1400.00} of the money to the address the buyer provided in New York.I first used my portion to buy food. I then began paying off debts. I bought some clothes

Company_response:
 and put some gas in my car. The next day the buyer emailed me again saying that his uncle was sick and that he needed the rest of the money back and that I could keep the truck. At that point it seemed to me that it had to be a scam and I immediately called the bank. The bank told me that they had decided it was fraudulent and they had taken all of the money in my account to begin to pay off the fraudulent check. There was approximately {$700.00} of the truck money remaining in the account. They took that. On XXXX XXXX


Date_received: 03/29/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
Our home was condemned after XXXX # XXXX. Wells Fargo stated they were estimating we had a 25 % property loss immediately following but then cancelled the property loss inspection upon notice of the condemnation and have refused to come do an inspection on the home which engineers and contractors estimated the repairs necessary would exceed the 50 % value mark. So, we hired a lawyer to try to get the property loss department to come inspect the home and forwarded all mold tests, contractor letters, estimates, safety inspections, etc that we had collected and paid for immediately following the disaster. Not having or being required to carry flood insurance left us with a very small insurance settlement that would only cover the repairs to the roof sustained from wind and hail damage during the storm. Additionally, code violations, mold hazards, and foundation repairs must occur before any insured roof work could be permitted. They then refused to release the insurance check to us to use to stop mold growth that they were notified of following the disaster and stated they needed time to review and research. More than five months have passed, and the mold is out of control. Now, the entire home has to be gutted and the entire structure will have to be brought to code which exceeds the value of the home 100 %. At first, all We asked is that they defer the amount we were behind due to costs of the repairs necessary to fix the safety related code violations and we asked they endorse the insurance settlement to be used to address the mold and electrical violations. They have refused to do so, and refused to respond in any manner other than to keep notifying our attorney they need two more weeks to complete their research. They have been claiming they need two more weeks for months. Their ameliorative waste has now cost us the entire home and any chance of restoring the home, as well as the cost of the repairs and renovations made just prior to the storm, and 15 years of equity into a 20 year mortgage. Additionally, we are paying each week for a construction dumpster to remain on the property while we " wait '' for them to complete their research. We have now been paying for months


Date_received: During the course of this ridiculousness
Product: we were treated poorly
Subproduct: insulted
Issue: lied to
Subissue: discriminated against
Company_public_response: all monies / equity lost
State: our home is now a total loss. Where we had hope and potential for recovery before
ZIP_code: there now is none. Had they bothered to act in a timely
Submitted_via: professional
Date_sent_to_company: and reasonable manner
Complaint_ID: Yes
Consumer_narrative:
 and have been being pressured to just give them a deed in lieu of foreclosure. Their property loss department has outright ignored our Attorney 's written requests that they contact him. We are preparing an offensive lawsuit against them for ameliorative waste

Company:
 and the money we have spent trying to preserve the property while we waited for them to do absolutely nothing. Their "" inaction '' has caused the home recovery during one of the worst events of our life - A XXXX - to become impossible. Because of their inaction


Complaint_ID: Yes
Date_received:
None of the options for "" Which part of the mortgage process is your issue related to '' below are truly applicable to our situation and problem with this lender. Therefore


Issue: I would have to send them via mail to a XXXX
Complaint_ID: Yes
Date_received:
03/29/2016,Consumer Loan,Vehicle loan,Managing the loan or lease,,Reference Toyota Financial : Loan number XXXX question is

Product:
 I have been paying extra on my car loan since we purchase the car in XXXX XXXX XXXX XXXX. The question I have is my payment is XXXX and my loan payment will be down to approximately XXXX because I have been paying around XXXX per month since about XXXX4 months ago. I talk to Toyota financial today XXXX XXXX/XXXX/XXXX ) and ask them the question of where does the extra money over and above what they credit the amount for example in XXXX they will credit XXXX out of a payment of XXXX and the answer is they carry that overpayment forward and I ask why do n't they apply some to the interest

Subproduct:
 and the CSR stated on we do n't have to so that leaves the question of why is n't the full amount applied and the interest payment credit because soon I will be in a plus stage of over payments on the car and evidently the extra ( my ) money is setting there accuring interest at Toyota Financial for every overpayment I am making. They also informed me that they could not take extra payments on interest

Subissue:
 IA address because they handle the interest payment and I ask them for a print out of my payment history and they stated all we can do is mail a copy of the original loan agreement to me? The question remains

Consumer_narrative:
 is the way they are doing there books correct or is it incorrect in terms of applying payment and interest


Date_received: 03/29/2016
Product: Credit card
Issue: Other fee
Company_public_response: and the representative was unable to explain what this was about
Company: then the call was abruptly terminated. I then used Macy 's online communications form ( which
State: by the bye
ZIP_code: will not accept any message that includes any form of punctuation
Submitted_via: including periods ). I said I would not pay this fee
Date_sent_to_company: and demanded that they close my account. I received an email acknowledgement of my complaint
Complaint_ID: Yes
Consumer_narrative:
I have a card issued by Macy 's department store. I do n't often use the card but when I do, I pay off the balance in full. I had not used the card since XXXX, but I received a bill for XXXX demanding payment of a " fee '' of {$2.00}. I called customer service


Product: NATIONAL ASSOCIATION '' ) ( hereinafter "" BAC/BANA '' ) is stating that on XXXX XXXX
Subproduct: XXXX
Issue: XXXX XXXX XXXX and XXXX XXXX XXXX
Complaint_ID: Yes
Date_received:
03/29/2016,Debt collection,Mortgage,Taking/threatening an illegal action,Seized/Attempted to seize property,BANK OF AMERICA CORPORATION ( nominal name "" BANK OF AMERICA 

Subissue:
 wife and husband ( hereinafter "" the XXXX 's '' ) took out a loan with XXXX ( See "" Attachment ). To secure repayment


Complaint_ID: Yes
Date_received:
03/29/2016,Credit card,,Delinquent account,,My account was sent to collection I settled and paid the balance on the card on XXXX/XXXX/2016 with XXXX XXXX. When I contacted this company on XXXX/XXXX/16 I was told that they would send a letter out stating that the balance was settled and satisfied however that they do not update the credit bureaus American express does this and was provided with a telephone number of XXXX. I contacted American Express to speak with a young lady named XXXX who stated to me that I paid the on the account after my statement closed. When asked when my statement closed I was told XXXX XXXX


Subproduct: however
Subissue: unrighteous
Consumer_narrative: and embarassing. I have taken out several payday loans from companies such as XXXX XXXX
Company_public_response: Advantage Cash Services
Complaint_ID: Yes
Date_received:
03/29/2016,Payday loan,Payday loan,Charged fees or interest I didn't expect,Charged fees or interest I didn't expect,Different companies who say they represent the payday loan companies keep contacting me about a payday loan I paid off several times in the past 7 years. I have documentation that I paid this loan on several occasions. The companies have threatened to serve me papers on my job and that they are going to take me to court in XXXX XXXX. They never contact me through the mail

Product:
 only by phone. I have faxed the pay information several times to different companies and they said that the loan was satisfied

Issue:
 other companies keep contacting me.The companies are contacting my relatives and my husband 's relatives and asking them do they know me and saying that I owe money. They have my social security number and license number. I have been ripped off many times which is unjust

Company:
 ect. and have paid them off. I have included the paid in full letters from them. These companies did not allow you to take out a loan if you did n't pay the previous loan. I have not taken out a payday loan since I retired in 2010. I would like to recover the monies I paid out several times and want these scam artist to stop contacting me and my relatives. I would like the public to be aware of these phony companies and not get ripped off like I did.These con people ( men and women ) are so good at their game

State:
 they had me convinced that I did n't pay my debt over and over. I hope you find out who they are and bring them to justice. The most recent call was from a lady who said her name was XXXX XXXX from XXXX ( I 'm not sure of the spelling ) phone no. XXXX. File reference # XXXX. When I called this lady she told me that I walked into a place and got a pay day loan. I asked her what place


Date_received: 03/30/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Application, originator, mortgage broker
Company_public_response: and I have those records. Shortly after I cancelled the loan
Complaint_ID: Yes
Consumer_narrative:
I recently became aware that Amerisave Mortgage Corporation participated in some illegal practices that harm customers. I did not know at the time ( until recently ) that I had any legal recourse for an issue I had, and I would like to seek restitution at this time. I applied for a 30 year fixed rate mortgage loan with Amerisave on XXXX/XXXX/06 ( loan application # XXXX ). As part of the process I paid for an appraisal. I also paid for " discount points '' to lower the interest rate on the mortgage. These payments were made through my credit card on XXXX/XXXX/06

Company:
 as the terms had not been satisfactory. It was my understanding that the {$390.00} appraisal fee was non-refundable

State:
 but the {$3000.00} that was paid in discount points should have been reimbursed. I inquired many times to Amerisave to get this {$3000.00} reimbursement and they said they could not refund the money. Not only was this bad customer service

ZIP_code:
 but caused customer harm to me in a deceptive and possibly illegal action of not returning the {$3000.00} in funds. Although it has been nearly 10 years

Submitted_via:
 I would like to have this money refunded to me. I did not know at the time that I had any rights to get this money back


Date_received: 03/30/2016,Money transfers,International money transfer,Other transaction issues,,On XXXX/XXXX/2016
Product: I submitted XXXX transactions on MoneyGram International site. XXXX of them succeeded
Issue: it became an error
Consumer_narrative: I choose to post ACH money transfer through my routing and checking account
Company_public_response: and that too was successful attempt
Company: and due to the present errors I found after the fact of calling MoneyGram
State: I canceled the third transaction. On XXXX/XXXX/2016
ZIP_code: I see a debited amount charged on my account of {$99.00} against me
Submitted_via: and now caused overdraft charges to other amounts I posted besides this charge
Date_sent_to_company: that I did cancel was posted by XXXX XXXX and paid MoneyGram
Complaint_ID: Yes
Subproduct:
 yet there was network connectivity issues between MoneyGram and my bank via through me. Due to the first transaction

Subissue:
 yet my bank still saw the hold amount against my account as authorized transaction. XXXX one was canceled in my choice due to the first error. The XXXX transaction

Company_response:
 yet they insisted and denied that they did not receive any monies from due to it 's cancellation. I have documents to suffice and prove this is the later and is contrary and untrue


Date_received: 04/07/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: Title-in-lieu
Complaint_ID: Yes
Consumer_narrative:
I have had my loan with HSBC mortgage services for over 12 years and I was laid off from my job on XXXX/XXXX/XXXX. I have since fallen almost 2 months behind with my mortgage and have requested a modification from them. However, they have denied me, claiming that my home has no value. I was assigned to a mortgage service specialist ( XXXX XXXX ) whom I expressed my concern to about my mortgage being increased and also that I had requested modification and wanted to know what the status was. She explained the reason for the increase stating that my escrow had a shortage of {$2500.00} and that my mortgage was increasing from {$1200.00} to {$1400.00}, which I 'm still confused about. She also told me that when I called in for assistance in XX/XX/XXXX the representative that spoke with me advised me to send in my letter of unemployment but I did not respond to their request. I told her I was not asked to send in any information and I had only found out about it that very day that she was talking to me. She still insisted that I was informed. The specialist who was obviously aggravated with me continued to accuse me wrongfully so I asked her to play back the recording of the conversation that I originally had with the first representative when I called in to advise them of my dilemma. Realizing that I was not backing down from her lies and that I was going to prove her wrong, she paused and then apologized to me for the " miscommunication ''. I knew from then that I was going to have some difficult times ahead with her as a specialist and the only way to prove my innocence from there on was to record all my conversations with her

Company_public_response:
 ( which I have in my possession ). She also advised me that I could get in contact with HUD. I called XXXX ( HUD ) who are trying to assist me. I called my mortgage service specialist on XX/XX/XXXX to advise her that I was meeting with a HUD representative on XX/XX/XXXX ( which was the following day ). She immediately advised me that I needed to let HUD know that I was already denied a modification so I would n't be considered for it again and gave me two extra days to advise her of what I wanted to do. On XX/XX/XXXX I called her back to advice that XXXX was now a third party representing me and she once again reminded me that I would not be considered for modification. The only thing HSBC is willing to offer me is a payment arrangement


Complaint_ID: Yes
Date_received:
HSBC contacted my sister in Florida on XXXX/XXXX/XXXX ( the same day that I spoke with XXXX XXXX looking for me or my ex-husband ( who by the way is no longer on my deed ). I am clueless as to how they got her number and why they would even reach out to my family member when I have been in contact with them and have also given them information of my third party representative ( NID ). That same day that they contacted my sister


Complaint_ID: Yes
Date_received:
Also Caliber did not adequately address Compliant # ( number XXXX ) See that complaint for additional detail. 1 ) Could your CFPB agency respond to it this directly? Could you let me know if Caliber should have given me the XXXX XXXX Guidelines up front? I do n't understand why they did n't. They knew that it was a rental property and I could have rented it out for enough to pay the mortgage. If I had known all the information


Complaint_ID: Yes
Date_received:
Since I will make no money on a foreclosure and no money on a short-sale either could someone send me the written guidelines showing why I have to go through a foreclosure versus a short-sale if there is a buyer. If I am not making any money on the deal either way


Complaint_ID: Yes
Date_received:
Could CFPB investigate this complaint and let me know directly whether or not you agree that Caliber should have told me the XXXX XXXX guidelines up front ( before I even submitted modification papers ). They said that I did not get a modification because of XXXX XXXX guidelines


Complaint_ID: Yes
Date_received:
On XXXX XXXX, 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated they were processing my application for a loan product other than the one that I applied for ( XXXX instead of USDA guaranteed ). This disclosure also included a new rate lock form, and indicated that my rate was currently " floating '' at approximately 3.8 %. Upon calling and speaking with the assigned processor I learned that they would have to reassign my loan to process the USDA guaranteed loan per my original application


Date_received: On XXXX XXXX
Subproduct: but the wrong loan terms. The rate was indicated to be 3.5 %
Subissue: 2016. I provided my loan processor
Consumer_narrative: XXXX XXXX
Company_public_response: a copy of the signed rate lock form from XXXX XXXX
Complaint_ID: Yes
Product:
 2016 TD Bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure indicated the correct loan

Issue:
 and not locked in. On speaking with my new loan processor I learned that TD Bank had "" no record '' of me having signed a rate lock form for a USDA loan. She also said they had no record of me submitting necessary documents to process the loan that were provided on XXXX XXXX


Date_received: On XXXX XXXX
Complaint_ID: Yes
Product:
 2016 TD bank issued a loan disclosure for me to sign and return ( exhibit XXXX ). This disclosure again had the wrong terms


Date_received: On XXXX XXXX
Complaint_ID: Yes
Product:
 2016 I informed TD Bank that I was withdrawing my loan application due to their refusal to honor the terms of my original rate lock agreement. Due to the three week delay caused by TD Bank handling my loan in a negligent manner the new lender I applied with sought an agreement to extend the deadline for the purchase and sales agreement between myself and the sellers. Unfortunately


Product: Inc."
Subproduct: TX
Issue: 75098
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/03/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/03/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 04/03/2016
Product: Credit card
Issue: Billing statement
Complaint_ID: Yes
Consumer_narrative:
Amex has recently created new terminologies, which no one else in the industry uses which is confusing and I claim with the intention of charging extra fees. Details : 1. When automatic payments are setup, it can be usually set up to ( automatically ) deduct a. Minimum payment due ( minimum payment and remaining balance and may incur an interest ) b. Last Statement Balance ( including any credits/refunds after the statement generation ) c. Current balance ( entire balance ) d. A fixed amount 2. When it comes to the due date, there are usually 2 options : a. On due date b. On a fixed date Credit card companies have grudgingly embraced the Automatic payments, with varying degrees of difficulty, Amex being the recent acceptor. However, they are trying to hoodwink consumers by providing a new set of terminologies which no one else in the industry uses such as " New Total Balance ''

Company_public_response:
 which they claim is nothing but "" Statement balance '' but there is no guarantee as they can always twist their own terminologies. I did speak and chat with them but they would n't change. They also do n't have a "" Payment due date '' for automatic payments but will only say Statement Date + 15days ... but what if this date is past the "" Payment due date ''? Or what if they just change the terminology to +25 days? This


Complaint_ID: Yes
Date_received:
3. On XXXX XXXX, XXXX, Assignee instituted action by their Attorneys claiming {$33000.00} without stating as how they arrived at {$33000.00}. The summons was served upon a non-existing " Fictitious person ''. A default Judgment was passed behind my back on XXXX XXXX


Date_received: 6. On XXXX XXXX
Product: XXXX I made an Application XXXX to the Court to vacate the judgment
Complaint_ID: Yes
Subproduct:
 to stop garnishing wages on the ground of non-service of Summons or any document in this action. The Response does not deny non-service of summons. On XXXX XXXX


Complaint_ID: Yes
Date_received:
8. Appeals to the XXXX Court were also denied because they were not perfected as I filed XXXX as I was financially crippled and a Motion to reargue was also denied 9. The payments made by me were illegally appropriated towards interest whereas principal amount went on sky rocketing. Interest@30.5 % compounded continues to be charged even after judgment although the judgment provides for 9 % as a result I will be paying the amount of {$600.00} per month throughout my life as if I am a bonded labor


Date_received: 04/12/2016
Product: Credit card
Issue: Late fee
Complaint_ID: Yes
Consumer_narrative:
I left for XXXX en route to XXXX School on XXXX XXXX 2015. I believed my Chase credit card had been completely paid off, however there was a pending charge for {$30.00} that did not post until I had already entered XXXX. As XXXX is an " immersive '' environment that prohibits access to the internet

Company_public_response:
 I did not know about the pending charge or the subsequent "" late payment '' levied on my account until after XXXX. I now have a late payment mar on my credit


Complaint_ID: Yes
Date_received:
I reached out to Chase as well as the credit reporting agencies to explain the nature of what I thought was a minor issue


Subissue: paragraph XXXX
Complaint_ID: Yes
Date_received:
XXXX loan applications were completed by PNC for this loan. The first loan application ( attached ) proposes {$350.00} for a monthly tax amount ( XXXX {$350.00} = {$4200.00} ). The " : ApprovalFirst Process Certificates ( XXXX ) ( attached ) indicates the first loan application was completed XXXX XXXX

Product:
 XXXX by PNC Mortgage A deposition by PNC ( attached ). also stated approximately {$4000.00} annual for taxes. This was an underestimate of approximately {$3000.00} each year of the 30 year note ( {$3000.00} x XXXX = {$90000.00} ) RESPA does not indicate a builders estimate as an acceptable method to provide anticipated taxes for a buyer for a home mortgage loan. The County Tax Office as stated in RESPA would be a reliable source of tax information to obtain a reasonable estimate amount for anticipated taxes. The misrepresentation of approximately {$330.00} from the second loan application ( attached ) was completed & together with the information provided by PNC/XXXX. XXXX ( attached ) we made the decision to build the home as it fit within our budget.The Construction Contract to build the home occurred XXXX XXXX XXXX. Three times before signing the contract

Subproduct:
 information was misrepresented to us.If we had know the correct amount we could have reduced the size of the house and other features which would have reduced our taxes for 30 years.Three appraisals were ordered by PNC which is used

Issue:
 also could have provided a comparison for anticipated taxes as is stated in RESPA. The errors by PNC and XXXX deflecting the actual causes of their errors and providing False Information to a Federal Regulatory Agency for their errors for THREE YEARS and to the borrowers led to extensive anxiety and stress with enormous legal bills. PNC never accepted the PNC as stated in RESPA. ( attached ) Our rebuttal to XXXX XXXX is attached as is their letter addressing our "" concerns '' but never providing substantive answers to the questions asked of them for the XXXX QWR 's sent to PNC. Further to our statements in our rebuttal


Product: at payoff
Complaint_ID: Yes
Date_received:
XXXX {$630.00} Escrow year + XXXX x {$980.00} = XXXX for shortage.Total of {$19000.00} We have shown in our previous complaints the computer generated mathematical errors in our loan. Do other loans serviced by PNC/XXXX XXXX have similar systematic problems? We were being required to pay into the escrow account apparently an excessive amount. We had


Date_received: 04/07/2016
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Complaint_ID: Yes
Consumer_narrative:
Medical provider for my daughter referred a {$540.00} debt to I.C. System XXXX XXXX XXXX. I.C. System will only accept payment by credit card if it is processed through " XXXX


Date_received: 03/30/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
ZIP_code: received an apology
Submitted_via: and assurances that I would have XXXX JPM Rep to talk to. Since XXXX/XXXX/XXXX
Date_sent_to_company: I have spoken to exactly XXXX JPM Reps -- the Names + Dates will be provided at a later date
Company_response: and can be confirmed by the JPM recordings as well. Ultimately
Timely_response: after giving JPM all information requested foe Modification consideration
Consumer_disputed: JPM mailed an "" offer '' dated XXXX/XXXX/XXXX
Complaint_ID: to my friends offering to reduce the amount of the payments from {$1900.00} presently
Consumer_narrative:
I have written permission from my Friends, victimized by an unsuitable + predatory JPM XXXX mortgage, as an authorized XXXX Party.When my Friends applied for a loan of approximately XXXX, JPM gave them a XXXX mortgage, and simultaneous XXXX Variable Equity loan. My friends had to refinance the XXXX loan a few years later into a fixed rate,9.68 % 2nd mortgage with XXXX XXXX After struggling for almost 10 years to stay current on XXXX Loans, XXXX of my XXXX friends had a pay reduction and increased costs of her XXXX Father 's care, making it impossible for them to continue making their current payments. When my Friends confided in me this financial difficulty, knowing that I had helped XXXX Friends + family Members XXXX get loan Modifications under XXXX + @ XXXX, they agreed to allow me to represent and negotiate with JPM and once obtaining a Modification, approach XXXX XXXX under XXXX to achieve relief from yet another predatory loan given to them by XXXX. On XXXX/XXXX/XXXX, after JPM received the " Authorized XXXX Party '' Forms allowing me to speak on my Friends ' behalf

Company_public_response:
 I initiated a call to JPM to start discussions. After reviewing my Friends ' notes on their contact with JPM prior to me getting involved

Company:
 I informed JPM that JPM was violating the "" single point of contact '' rules required under the XXXX mandate

State:
 because they had been contacted by multiple JPM Reps instead of a single point of contact. I insisted back in XXXX that I was to be assigned XXXX Rep to discuss this loan with


Product: Chase did not correct the error
Subissue: it sounded like my parents phone number
Consumer_narrative: and it appeared that the account belongs to my father. Certainly
Company_public_response: that should have been tne end of my problem
Company: but instead
Complaint_ID: to my friends offering to reduce the amount of the payments from {$1900.00} presently
Date_received:
04/04/2016,Credit card,,Identity theft / Fraud / Embezzlement,,Chase Bank is reporting an account that does not belong to me on my credit report. I initially contacted the credit bureaus believing that it should be easy to clear up. Incredibly

Subproduct:
 so I called Chase and spoke to XXXX in Security. Naturally when they asked for my social security number and contact information

Issue:
 it did not match what they have for the account. When they provided the last XXXX digits of a phone number


Issue: on top of that
Complaint_ID: to my friends offering to reduce the amount of the payments from {$1900.00} presently
Date_received:
04/04/2016,Debt collection,Medical,Communication tactics,Threatened to take legal action,I disputed an amount from a collections agency called Gold Key Credit Inc. and they did n't inform XXXX and XXXX

Product:
 the credit bureaus that they report to. Every time I pull up things on my XXXX I see this derogatory amount from them on there. I know I have put 'threatened to take legal action '

Subproduct:
 but so far they have n't but I know that they will in the future. It 's just what collection agencies do


Complaint_ID: Yes
Date_received:
While I was loan shopping, I asked Quicken to provide me with a Cost Estimate so that I could do a comparison of closing costs/rates for various lenders. They had sent me a mailer that stated that if they were unable to match the lowest rate that I found, that they would give me {$2500.00}. When I asked for the Cost Estimate, I was told that they could n't provide me XXXX unless they got something ( I forget what that something is, but it was captured in the chat communication ). I advised the loan officer that according to the CFPB, I only needed to provide the XXXX key pieces of information which I had already supplied. The Loan Estimate was provided on XXXX at XXXX and my loan was subsequently denied at XXXX. The reason provided for denying my loan application was " due to too many inquiries ''. However


Complaint_ID: Yes
Date_received:
This leads me to believe that Quicken did n't want to stand by the {$2500.00} offer that they had provided in the mailer. I prefer believing in that than over the alternative


Product: you may have to pay a late fee of ... ''. When I ask the ccc why
Subproduct: since my payment arrived on time
Issue: I was charged a late fee
Subissue: the ccc says
Consumer_narrative: your payment was n't posted until the next day
Company_public_response: and it 's the posting date that counts. Then I say
Company: but your statement says the payment arrival date is what counts. The ccc just continues to say
State: over and over and over
Complaint_ID: Yes
Date_received:
Written on the monthly statement from the credit card company is, " If we do not receive your minimum payment by the date listed above


Complaint_ID: Yes
Date_received:
03/30/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,A collection was initiated for an emergency room bill from XXXX XXXX XXXX XXXX in XXXX XXXX


Date_received: 04/22/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Account opening, closing, or management
Complaint_ID: Yes
Consumer_narrative:
I was charged an overdraft fee ( {$35.00} ) on my Bank of America checking account when my account balance was not in the negative and I had enough money to cover the transaction. The bank refuses to refund the overdraft fee, telling me that over 6 months ago I " already had XXXX overdraft fee refunded. '' So somehow


Product: Amazon
Complaint_ID: Yes
Date_received:
04/13/2016,Credit card,,Credit determination,,I have XXXX accounts that are serviced by Synchrony Bank ( formerly GE Credit ). They are Old Navy


Subissue: was by fax only. I received a call on XXXX from a gentlemen named XXXX XXXX
State: and you have nothing to worry about ''. XXXX ID # XXXX was the last person that even told my wife
Date_sent_to_company: and asked him for a print out of what he just told me
Complaint_ID: Yes
Date_received:
04/18/2016,Credit reporting,,Incorrect information on credit report,Account status,XXXX XXXX is reporting inaccurate information to credit bureau and my account is closed. On XXXX XXXX XXXX

Product:
 Loan # XXXX was PAID in FULL with the sale of the property that retained this loan. The funds were transferred over to XXXX XXXX Bank on XXXX XXXX XXXX

Subproduct:
 these funds were never applied to this account until XXXX XXXX and this account was then marked Paid in Full. Along with the funds being applied XXXX XXXX charged me a late fee on XXXX XXXX even though this account was paid off in full on XXXX XXXX when they received the funds. I have tried to deal with XXXX XXXX. I spoke to a man named XXXX a CSR @ XXXX XXXX on XX/XX/XXXX he told me he would transfer me to XXXX which was a Senior Rep for XXXX XXXX which could handle this matter without a problem. That is when this nightmare began. XXXX told me to draw up a GOOD WILL ADJUSTMENT letter and fax it over to the Correspondent team at XXXX which I did as soon as I got off the phone. That the Correspondent Mgr will assign my letter to a CSR and then the adjustments will be made right away

Issue:
 that they do it all the time. And also XXXX said this was the only way to get a hold of the "" FACELESS DEPARTMENT ''

Consumer_narrative:
 I could barely make out the voicemail due to him talking so fast and him muting the mic so the background noise would not be on the voicemail. I could not call him back due to him leaving such a bad voicemail. XXXX XXXX @ XXXX XXXX contacted me again on XX/XX/XXXX on this matter of the inaccurate information they are putting on my credit report. I was told SO

Company_public_response:
 by XXXX. This is one very rude customer service rep for XXXX XXXX. He began his speech to me regarding XXXX XXXX by a scripted speech. I told him to stop that is not what I wanted to hear. That is when he He told me that it is against the law to make any changes like that to a credit report

Company:
 and if he did make any changes to the good that the XXXX credit bureaus would not allow XXXX XXXX to report to them any longer. And that the only changes he will be making to my credit report is NEGATIVE. I was then told by XXXX I would receive a call either XX/XX/XXXX or XX/XX/XXXX from him and never did. I woke up this morning XX/XX/XXXX to find an email from the XXXX credit bureau 's that NEGATIVE marks have been placed across all XXXX of my credit reports for 90+ days late. I tried to explain to XXXX on XX/XX/XXXX that I am in the process of obtaining a new mortgage and his comment was "" HA HA GOOD LUCK WITH THAT ''! Every time my wife spoke to someone she was told "" Your account is locked down to be paid off

ZIP_code:
 "" Do n't worry the account is locked down and your account is scheduled to be closed and paid off in full. No need to worry about the payment. '' But now I have the issue with obtaining a mortgage because of these negative marks on my credit report. On XX/XX/XXXX I contacted XXXX XXXX for a NEW MORTGAGE and spoke to XXXX "" XXXX '' XXXX XXXX who pulled up my mortgage acct that i had with XXXX XXXX

Submitted_via:
 he stated I had a EXCELLENT ACCOUNT HISTORY with XXXX XXXX and I was showing NEVER BEING LATE the entire time with them. And that my account was reporting it was PAID OFF IN FULL ON XXXX XXXX XXXX. I emailed him by responding to a follow up email he sent me


Date_received: 04/13/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Keep getting calls about my loan
Company: another Navient representative called me back with the same arrogant
State: threatening tone
ZIP_code: . Again
Date_sent_to_company: we realized the private loan was not in default. In XXXX
Timely_response: per their documentation
Consumer_disputed: both are now being financed through Navient XXXX Corp.
Complaint_ID: not the original lender.. Notation on the loans are '' interest rate
Consumer_narrative:
At this point, I have no other direction to go except by filing a complaint against Navient. I have XXXX private loans ( currently, XXXX ( XXXX ) is being paid on monthly ; the other private loan, supposedly WAS in default. My federal loans have been consolidated. It is quite difficult communicating with Navient 's representatives because ONE individual IS NOT assigned to my file. It is numerous individuals. There are days that I receive calls 3, 4, 5 calls a day. The latest was XXXX XXXX, XXXX. I actually spoke with the individual. I informed them that I was on the phone seeking help from another agency in guiding me through this loan repayment processing. Navient 's representative was not listening ; thus, I became agitated because the representative was demanding payment. " So

Company_public_response:
 are you saying that you are not going to make a payment. '' I hung up and continued speaking with a representative from XXXX XXXX XXXX. Two minutes later

Submitted_via:
 I hung up. I informed XXXX of XXXX XXXX XXXX of my issue. He attempted to help and logged into the system. It was at that time

Company_response:
 I can recall a Navient representative informing me the XXXX loan was in default. As a matter of fact


Complaint_ID: Yes
Date_received:
I looked up this particular Appraiser XXXX on the internet, and all the reviews where so negative, I have no idea how RPM can use such incompetent company. Example : " Avoid this appraisal company

Product:
 if possible. I read a bad review about them before they did my appraisal. I gave them the benefit of the doubt

Subproduct:
 but they did the same thing to me. {$30000.00} below the actual value of my home. Immediately request another appraisal company before it 's too late. '' I had a funny feeling when the gentleman showed up in the car displaying "" BUYING HOMES FOR CASH '' So this was his main business


Date_received: They apparently combine for averages foreclosed homes values
Subproduct: still smaller by XXXX sq. feet than our house
Complaint_ID: Yes
Product:
 use old data to come up with the lowest possible price totally disconnected from reality. Their business is to buy homes for CASH! Here are few insane points of that appraisal : House that sold for $ XXXX had a pool


Product: nobody every cared to call me back. Instead
Complaint_ID: Yes
Date_received:
I decided to give RPM the chance to correct that problem and remove my PMI and/or arrange another appraiser that is competent and fair. I called and emailed them


Issue: paid me {$56.00} for XXXX late fee
Subissue: and put the loan into forbearance. That is good and well
Company_public_response: my loan could have gone into forbearance
Complaint_ID: Yes
Date_received:
After nearly three years of XXXX school, and on the day after XXXX of XXXX, I called Wells Fargo to tell them I would not be able to make another payment, and they could call and leave as many messages as they wanted ( that a customer service rep wanted to talk about my account ), but I still would not be able to pay. Again, I asked for forbearance. Then, I drafted my first complaint to CFPB. Within days, Wells Fargo 's " policy had changed

Product:
 '' and my loan was magically put into forbearance. If the policy did in fact change the day after CFPB notified Wells Fargo of my complaint

Subproduct:
 then I have no problem. This is doubtful. There are only two options. The first : Wells Fargo did not want to deal with my complaint

Consumer_narrative:
 except in that first scenario Wells Fargo lied in its letter about the forbearance. Second : At some point the Wells Fargo policy did actually change


Product: in the amount of {$1000.00} + dollars
Complaint_ID: Yes
Date_received:
04/07/2016,Debt collection,Credit card,Improper contact or sharing of info,Contacted employer after asked not to,I had a credit card debt from XXXX with XXXX XXXX. I was in an XXXX situation resulting in my having XXXX for over 10 years. XXXX XXXX sent the debt to Johnson/Mark Attorneys for collection of the debt. I offered them my whole tax return in XX/XX/XXXX

Subproduct:
 which was twice the amount I owed on the XXXX XXXX acct. Johnson/Mark company refused this to settle the debt. I told them I had a mental health issue also

Issue:
 and please take this offer to settle the account. They said they would only settle for {$2400.00} dollars. They sent me a letter that looked like a legal document from XXXX Court ( XXXX XXXX

Subissue:
 Oregon ) where I have not lived since XX/XX/XXXX. They just began to garnish my wages from my new job. I want to stop this garnishment because I suffered from a XXXX for years and did what I could to settle this with them in XX/XX/XXXX. Please call me or let me know if there is anything I can do at this point. I do not have money for an attorney. I live in XXXX


Complaint_ID: Yes
Date_received:
04/07/2016,Bank account or service,Checking account,Deposits and withdrawals,,XXXX I ( "" XXXX XXXX XXXX '' / '' XXXX XXXX '' ) had been operating a "" Checking Account '' ( Opened in XXXX


Product: but he wanted some help with booking his travel. So he wanted to send a cheque for XXXX
Complaint_ID: Yes
Date_received:
XXXX I had gotten cheque from one "" white collar criminal '' for a payment towards blocking a room in my rental apartment XXXX He was supposed to pay me XXXX 


Complaint_ID: Yes
Date_received:
XXXX I had deposited the cheque in my Wells-Fargo "" Checking Account '' on XX/XX/XXXX. This cheque corresponds to "" XXXX XXXX XXXX XXXX '' Based out of XXXX XXXX


Complaint_ID: Yes
Date_received:
( b ) Wells fargo has verified the funds in the source account in those XXXX days and desposited the funds into the destination account only to find the disappearance of source account funds


Product: it seemed that little was applied to my principal
Complaint_ID: Yes
Date_received:
04/13/2016,Credit card,,Cash advance,,For many years now I have been paying my Discover credit card balance on time but recently decided to look into in more details

Subproduct:
 the worse is that I noticed for many years now the "" BALANCE SUBJECT TO INTEREST RATE '' on purchases decreased while "" BALANCE SUBJECT TO INTEREST RATE '' on cash advance has been increasing at much higher interest rate has increased month after month for many years since as far as XXXX ( Discover statements are not available past that year XXXX XXXX for me to assert with full certitude that the practice did not start at a earlier date )

Issue:
 in XXXX XXXX my cash advance balance was at {$1600.00} and it is now in XXXX XXXX at {$6900.00}. The cash advance as of XXXX XXXX was at {$0.00} and it has been at {$0.00} to this date in XXXX XXXX

Subissue:
 so I am not quite sure how it is possible for a "" BALANCE SUBJECT TO INTEREST RATE '' on cash advance to increase on that basis


Product: a TSYS Company"
Subproduct: OH
Issue: 45039
Consumer_narrative: N/A
Company_public_response: Referral
Company: 04/01/2016
State: Closed with monetary relief
ZIP_code: No
Submitted_via: No
Complaint_ID: Yes
Date_received:
03/30/2016,Prepaid card,Gift or merchant card,Fees,,,Company believes it acted appropriately as authorized by contract or law,NetSpend Corporation


Date_received: 04/22/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: XXXX XXXX
State: per the Fair Credit Consumer Act
ZIP_code: those "" debts '' are to include the actual date of service. However
Submitted_via: NOTHING that Dynamic Recovery Solutions has provided
Date_sent_to_company: shows that information. Therefore
Complaint_ID: Yes
Consumer_narrative:
This company is attempting to collect on a FRAUDULENT debt! They have been making unauthorized inquiries on my credit reports. First, IF those debts are actually mine, they are outside of the Statute of Limitation for legality of debts. Also, Dynamic Recovery Services would be able to provide actual PROOF of the legitimacy of the debt. They have DENIED this! Secondly, I DO NOT OWE THE DEBT THEY ARE CLAIMING I OWE! I attempted to call them to inform them that I am aware of the numerous complaints for fraudulent activity against their company, and they were to cease and desist immediately. One of their " representatives '' told me that he was ending the conversation because I was being "" unprofessional ''. I was not being unprofessional. I was being TRUTHFUL in telling them that they have been caught in an ILLEGAL LIE! They are attempting to do the same thing to my husband

Company:
 for approximately the same amounts. These "" debts '' are supposedly for "" medical services that my husband and I have never received. Also


Date_received: 04/13/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
My mortgage was sold to a new servicer. I have had many problems with the new servicer related to the property insurance. The new problem is regarding the escrow account. I received an escrow statement at the end of XXXX of 2016 and another one at the end of XXXX. The first statement claimed an escrow shortage of approximately {$61.00}. The XXXX statement claims an escrow shortage of over {$970.00}. This " shortage '' is because they have counted two years worth of taxes in this statement. After my previous experiences with this company


Date_received: 04/13/2016,Bank account or service,Checking account,Account opening
Product: closing
Subproduct: or management"
Consumer_narrative: go home
Date_sent_to_company: XXXX XXXX
Consumer_disputed: reach a higher up
Complaint_ID: my son and I resorted to holding signs in front of the branch. On XXXX/XXXX/2016
Subissue:
Visited Well 's Fargo in XXXX XXXX on XXXX/XXXX/2016 with my son to deposit work checks, name change due to divorce, and ( due to declining health issues ), list my son as Power of Attorney. Given to a man who stated that I needed to go home and get divorce decree in order to complete transaction. I asked him if my SS cared and DL were enough. He said no. He was extremely rude and condescending, nearly yelling, saying that if we did come back we would have to wait in line again. My son asked to speak with manager. This man ( we now know as XXXX XXXX ) stated that he is the branch manager, his name was " XXXX '' and no one else to speak to. Told my son to leave it be

Company_public_response:
 and get documents. Came back with documents. He greeted us at door and told me : "" We 're not able to serve you because your son was disrespectful to me. '' I became upset and anxious. I also turned on my camera and asked him to repeat. I offered to have my son wait outside and forget POA as I did not want to be late for work. He said "" Too late

Company:
 and too bad. '' He did not ask me to leave. I was in tears asking other employees for help. While crying in lobby and asking for assist

State:
 "" XXXX '' told all his employees to ignore me. Have video. Extremely humiliated and hurt by his abuse of authority. While waiting for police to arrive

ZIP_code:
 both me and my son made several calls to complain to Well 's Fargo. The police know me and my son from being known community activists ( who have made the news exposing corruption and other issues ). Police tried their best with "" XXXX '' even offering to stay to complete the transactions He refused. Police did get his card. He lied. His name is XXXX XXXX. Missed work and went to XXXX XXXX Branch

Submitted_via:
 where we were treated so kindly. We also learned that the name given by XXXX ( "" XXXX '' ) is actually his brother

Company_response:
 a district manager. Received call following day ( after many calls ) from a XXXX XXXX ( regional manager ) who says she would look into complaint

Timely_response:
 but was not interested in seeing video. Asked to speak with higher up. Due do getting nowhere trying to resolve complaint


Product: Inc."
Subproduct: SC
Issue: 29673
Subissue: Servicemember
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/04/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: my son and I resorted to holding signs in front of the branch. On XXXX/XXXX/2016
Date_received:
04/04/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,,Company disputes the facts presented in the complaint,The CMI Group


Product: collection letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX indicate
Subproduct: "" Other {$40.00}
Issue: '' while collection letter dated XXXX/XXXX/XXXX indicates
Subissue: "" Other {$39.00}. '' As a collection agency
Consumer_narrative: you are expected to include in the letter information about what
Complaint_ID: my son and I resorted to holding signs in front of the branch. On XXXX/XXXX/2016
Date_received:
First, the collection letters indicate, " Other '' but neglects to report exactly what this means. In addition to this


Date_received: Second
Product: the collection letters indicate that the debt includes an interest
Subproduct: but neglects to report the amount
Issue: frequency
Subissue: and cycle. Collection letter dated XXXX/XXXX/XXXX indicates
Consumer_narrative: "" Interest {$0.00}
Company_public_response: '' letter dated XXXX/XXXX/XXXX indicates
Company: "" Interest {$7.00}
State: '' and letter dated XXXX/XXXX/XXXX indicates
Submitted_via: because if a payment is sent in the amount noted as "" Total Due
Date_sent_to_company: '' but is sent outside of the interest cycle
Company_response: the debt will not be resolved
Timely_response: because additional interest will be further calculated. As a collection agency
Complaint_ID: my son and I resorted to holding signs in front of the branch. On XXXX/XXXX/2016
ZIP_code:
 "" Interest {$15.00}. '' None of the collection letters clearly report the amount of the interest rate nor frequency of which the interest accrues. This omission creates confusion and is misleading


Date_received: Third
Complaint_ID: my son and I resorted to holding signs in front of the branch. On XXXX/XXXX/2016
Product:
 XXXX XXXX confirmed that my payment of {$150.00} for the original debt of {$150.00} was received on XXXX/XXXX/XXXX

Subproduct:
 yet this was not acknowledged on your part until I received collection letter dated XXXX/XXXX/XXXX. This seems to be a deliberate delay in confirming receipt of my payment


Complaint_ID: my son and I resorted to holding signs in front of the branch. On XXXX/XXXX/2016
Date_received:
I contacted your agency via phone on XXXX/XXXX/XXXX and informed the representative that I made payment to XXXX in XXXX XXXX and that I just received a collection letter requesting additional money. I also informed them that I do not pay bills with mysterious charges and that I will not make payment to your agency

Product:
 because the justification for that amount was not included in the letter. The fact that I am dealing with you


Product: nor did they outline the steps they had taken to investigate the charge
Complaint_ID: Yes
Date_received:
On XXXX XXXX, I received a final letter from Bank of America informing me that they " were unable to determine that a billing error occurred based on the information or documentation available to us. '' They did not provide any factual basis for that conclusion


Complaint_ID: Yes
Date_received:
It is beyond ridiculous that a credit card can present a consumer with nothing other than a statement by them claiming that a charge took place as the sole evidence that a charge is legitimate and actually authorized. Furthermore


Date_received: 04/08/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Threatened to take legal action
Complaint_ID: Yes
Consumer_narrative:
XXXX of American Express has threatened legal action if I do not pay my entire balance on my card ; meantime I have been making monthly payments and AmEx continues to process those payments and when I call AmEx there is no indication that this is an attempt to collect a debt or any such indication that my account might be in arrears. I DID speak with XXXX about 8 weeks ago and he was trying to get me to pay off my entire balance ( over {$4000.00} ) immediately or next steps would be taken - this is when the threat of court came into the conversation. Since then he has been calling me at least XXXX daily at work and on my cell ( so at least 4x daily total ). I have been trying for about 6 weeks to get back in touch with XXXX, to return his constant calls, outside of my working hours, and he is never available. I have left many messages for him. He continues to leave me voicemails, calling during work hours, stating " time is of the essence '' on my account. Today I left XXXX a voice mail asking that my work number be flagged as do not call and that he can not continue to call my work and that I am only available in the evenings ( I have left messages like this before ). Tonight I have not only made another payment to AmEx but tried to get through to any representative at AmEx only to get a "" mailbox full '' message at AmEx. Finally

Company_public_response:
 the phone number that XXXX leaves for me does not indicate that he is even an AmEx representative as no mention of AmEx is ever made


Complaint_ID: Yes
Date_received:
04/08/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,I checked my credit and saw there were XXXX hard inquiries made by XXXX. I have not applied


Product: but continued to receive various monthly emails from Best Buy
Subproduct: including statements
Issue: payment due date reminders
Subissue: and confirmation emails for each automated payment that was received
Consumer_narrative: as expected. However
Complaint_ID: Yes
Date_received:
03/30/2016,Credit card,,Billing disputes,,I am writing in regards to my CITI Best Buy credit card. I purchased a television for the price of {$1800.00} from a Best Buy store during a promotional period that offered 24 months of 0 % interest. I have been making regular automated payments that are well over the minimum payment required since the time of the purchase. I opted out of receiving paper statements sometime shortly after the purchase

Company_public_response:
 the monthly email statements suddenly stopped in XXXX XXXX. Since my payments were coming out automatically each month


Date_received: I contacted Best Buy credit card customer service first thing on Monday morning
Product: XXXX XXXX
Subissue: no statement since XXXX XXXX
Consumer_narrative: and had no knowledge that this interest was going to be charged
Company: XXXX - they could have reversed the charge. However
State: now that it was XXXX XXXX
Date_sent_to_company: XXXX and nothing since then
Complaint_ID: Yes
Subproduct:
 XXXX to investigate the issue. The first individual that I spoke to informed me that the promotional period with 0 % interest had expired on XXXX/XXXX/XXXX

Issue:
 and that I had now been charged an interest fee on the entire {$1800.00} purchase. I explained that I had received no notification

Company_public_response:
 or I would have paid the {$340.00} balance in full first. She informed me that if I had contacted customer service within 30 days of the interest fee being posted - by XXXX XXXX

ZIP_code:
 XXXX - 6 days later - there was nothing she could do. I then asked to speak to a supervisor. I then spoke to a man who I was told was in a supervisory role. He was rude and unhelpful. He told me that the issue was my fault

Submitted_via:
 and that I had not received statements because I selected the paperless option for my account. He provided no explanation as to why I received statements through XXXX XXXX

Company_response:
 even though I had not changed any preferences in my account from the time it was set up. I asked to speak to another supervisor. After attempting to refuse to transfer me


Date_received: I then spoke to a woman
Issue: and she could not explain why I did n't receive them on my end after XXXX XXXX
Complaint_ID: Yes
Product:
 who was also rude and argumentative on the phone. I explained the issue to her again. According to her

Subproduct:
 the system on her end showed that I was sent an email statement every single month since my account was created

Subissue:
 XXXX. I explained to her that this was in direct conflict with the information I was given by the previous representative

Consumer_narrative:
 who told me I did not receive any statements because I opted not to. She offered absolutely no explanation for the conflicting information coming from her department. I explained that I felt I should not be held responsible for nearly {$800.00} of interest charged to my account

Company_public_response:
 as I was not properly notified of the charge. I was also not given fair opportunity to contact customer service within the 30 day window that would have allowed for the charge to be reversed since I did not even receive a statement within 30 days. She refused to help me

Company:
 and told me she would escalate my issue and I would receive a call within 48 hours. I never received the call

State:
 and called back 3 days later. I was told the previous person never even requested the escalation of my issue


Date_received: 04/13/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened arrest/jail if do not pay
Company_public_response: if i did
Complaint_ID: Yes
Consumer_narrative:
Over the years I 've received collections calls from a " collections agency '' collecting debt for HSBC XXXX credit card. I was a college student in XX/XX/XXXX when that card was received. I do n't believe i ever used the card

Company:
 I paid it off and if i owed them they should have taken action nearly 20 years ago. Before I became internet savvy

State:
 I 've fallen for what I think now is a scam maybe twice before and ended up sending these people money I really did n't think i owed. It was probably over 10 years ago since I sent them {$200.00} dollars at least. Now they are back for more money. They called leaving a threatening message that my mom picked up. She 's XXXX y/o and was frantic and upset after she called the number back to people threatening to lock me up. I am in Arkansas but there is someone in OK threatening to push a summons through if I do n't cooperate. I believe this is a scam and do n't want to be burden now or later from a company who ca n't provide me any written documentation on what I owe


Complaint_ID: Yes
Date_received:
04/27/2016,Debt collection,Medical,Taking/threatening an illegal action,Threatened arrest/jail if do not pay,I had XXXX XXXX back in 2012 my insurance did n't cover the doctor bill and i could not afford the {$6000.00} from private doctor so Pressler & Pressler took over. As a single mother its hard for me to pay rent and utilities never mind an extra monthly bill at no fault of mine "" XXXX health insurance ''. I read an article in the XXXX XXXX about XXXX today and i thought to myself wow they have been sending me threats that they will take me to court


Date_received: 04/13/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Company_public_response: then you know all about XXXX
State: that she appears to have XXXX proof of
ZIP_code: and when she was not able to get me to pay
Company_response: itself
Timely_response: reporting an OLD debt to the credit agencies
Complaint_ID: when on phone calls trying to resolve it. She claimed I had hung up on her office 5 years ago
Consumer_narrative:
I just got off the phone with Consolidated RCVY Grp at XXXX. I called them and she called me back because I had disputed a debt with XXXX with them. She claimed to have talked to me in XXXX and I was upset at the time because I thought the matter had been resolved in XXXX. The address where the debt had been reportedly incurred is XXXX where I lived in XXXX. This makes the debt more than 7 years old. She admitted that it was at least 8 years old since in XXXX her notes said I was upset since I thought it had been resolved in XXXX. If it 's the debt I 'm thinking of, it was a service that I had told I was discontinuing and they went ahead and billed me anyways, back in XXXX. I refused to pay and had maintained records of my discussions with them about how their services were not properly rendered and how I had disputed their debt over & over again, and if it 's that debt and I thought it had been resolved in XXXX, then CLEARLY in XXXX they should not have been attempting collection again. And never should have reported it to XXXX. If it is not THAT debt, then I have no idea what debt they 're talking about. So today I asked the lady to provide me with proof of the debt. She became defensive and kept talking about how XXXX would get in touch with her. I explained that I wanted to know what the debt was and that as the consumer she was trying to collect from, I wanted proof of the debt. She said, " Oh

Company:
 do n't you? '' and something about assuming I did not know anything about XXXX and did not know what I was talking about. I again said I wanted her to provide me with proof of the debt she claimed I had. She hung up on me and will not answer the phone any more. This is offensive and outrageous that she is still trying to collect a debt that by her own admission is more than 8 years old

Submitted_via:
 she reported it to XXXX ( and probably the other credit agencies as well ). Her manner with me when she started talking about XXXX was demeaning and abusive and she should not be permitted to collect old

Date_sent_to_company:
 out of date debts with tactics of refusing to give someone evidence or even the slightest bit of information about the debt

Consumer_disputed:
 and being demeaning and abusive to the consumer ( who she apparently has no proof is even a debtor )


Product: LLC"
Subproduct: OH
Issue: 432XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 04/13/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: when on phone calls trying to resolve it. She claimed I had hung up on her office 5 years ago
Date_received:
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Consolidated Recovery Group


Subissue: Real Time Resolutions
Consumer_narrative: NJ
Company_public_response: 08205
State: Consent not provided
ZIP_code: Web
Submitted_via: 04/15/2016
Date_sent_to_company: Closed with explanation
Company_response: Yes
Timely_response: Yes
Complaint_ID: Yes
Date_received:
 Our records show that the payment in question has not been credited to your account referenced above. To assist us in resolving this matter| we need documentation of the payment. Please review the list below and| depending upon how the payment was originally submitted to us| please send us the document ( s ) needed to complete our research. 
- Mailed Payment Processed Electronically ( Only if the copy of the check is not available from your bank ) : Please send a copy of your bank statement or a letter from your bank stating the check cleared| the date the check cleared| whom it was made payable to| and the amount of the payment. 
- Mailed Payment : A clear copy of the front & back of your cashed check or money order. Please note that the receipt stub or carbon copy for the money order will not assist in our research. 
- In-Store Payment : A copy of your receipt. If a check or money order was used| a clear copy of the front and back of the cashed check or money order. 
- Online/Electronic or Phone Payment : From the online provider| a copy of the transmittal report for the payment. Please note that a copy of the scheduled payment or a bank statement showing the online payment being withdrawn will not assist in our research. 
Please mail this information to the following address and include a copy of this email : JC Penny card XXXX XXXX XXXX XXXX| FL XXXX or Fax : XXXX Upon receipt of the above outlined information| we will take the necessary steps to see the proper adjustment ( s ) is made to your account. If we do not receive your response within 20 days of the date of this letter| we will consider the balance to be correct. '' So what legal action can be taken? 
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Synchrony Financial,UT,840XX,,Consent provided,Web,04/04/2016,Closed with explanation,Yes,No,1863632
04/18/2016,Bank account or service,Checking account,Deposits and withdrawals,,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Bank of America,CA,94582,,Consent not provided,Web,04/20/2016,Closed with explanation,Yes,Yes,1883708
04/13/2016,Mortgage,Other mortgage,Loan servicing| payments| escrow account


Date_received: 04/04/2016
Product: Debt collection
Subproduct: Credit card
Issue: Taking/threatening an illegal action
Subissue: Threatened to sue on too old debt
Company_public_response: by the laws thereof
Company: an action thereon can not be maintained in that state
State: territory
ZIP_code: or foreign country by reason of lapse of time
Complaint_ID: Yes
Consumer_narrative:
I am being sued by a debt collection agency called Stenger & Stenger out of XXXX XXXX, XXXX. For background purposes, I lived in XXXX from XX/XX/XXXX until XX/XX/XXXX when I moved to XXXX, XXXX. XX/XX/XXXX, I had entered into the credit card contract with XXXX XXXX XXXX while living in XXXX, and any charges made on that account would have been made in XXXX. According to Stenger & Stenger, they state that the last payment I made on the account was XXXX XXXX, XXXX. XXXX has a 4 year Statute of Limitations on these types of debts/written contracts, so the SOL for this issue ran out on XXXX XXXX, XXXX. Despite knowing this, Stenger & Stenger are now trying to sue me for the outstanding amount as well as their legal fees and 8 % interest on the balance ... even though the SOL has been expired for nearly one full year. I would like to point at that since the original contract for the account was signed and entered into in the state of XXXX, this contract has nothing to do with the state of XXXX and the 6 year SOL in XXXX can not be applied against me just because I moved to this state. This is backed by XXXX 'Borrowing Statute ' XXXX Rev. Stat 13-80-110 " If a cause of action arises in another state or territory or in a foreign country and


Date_received: Stenger & Stenger is supposedly a "" Professional Law Corporation ''
Product: so they should know the laws set forth in the states in which they conduct business
Subproduct: which I 'm sure that they do
Subissue: yet they continue to prey on me
Complaint_ID: Yes
Issue:
 but are banking on the fact that the people they are bullying do not and will hopefully collapse under the weight of their intimidation tactics. The fact they KNOW that the SOL has already come and gone

Consumer_narrative:
 someone who is less educated in the ways of the law and force me to spend/waste ample of amounts of time and money that I do not have

Company_public_response:
 to defend myself on a frivolous claim they know will not stand up in the court of law is egregious and disgraceful. Stenger & Stenger and companies like them


Date_received: 3. On XXXX XXXX
Subproduct: this does not affect any terms or conditions of your mortgage '' ( See exhibit "" C '' )
Issue: and advised me to continue making the payments to "" Caliber Home Loans ''
Complaint_ID: Yes
Product:
 XXXX I received letter from XXXX XXXX stating that "" XXXX '' the investor of my home loan has changed the servicer of my loan to "" Caliber Home Loans '' and stated in paragraph XXXX other things : "" Rest assured


Complaint_ID: Yes
Date_received:
7. The Home Owner filed FRAUD MORTGAGE complaint to the State of Nevada Office of the Attorney General on XXXX XXXX


Product: I do n't remember. I complete XXXX loan applications a month ''. At that time
Complaint_ID: Yes
Date_received:
Once the underwriter requested a copy of the Hud Statement from that Sale, I began to ask questions to XXXX XXXX. He in turn would say, let 's just wait to see what the underwriter will do. I continually did my own research as XXXX XXXX seemed to occupied than to give his undivided attention to the fact that I kept telling him that I did n't think I was qualified for FHA because of the short sale. After I got tired of waiting on him to respond ( copies of some of the text messages attached ), I phoned their main office number. I spoke with XXXX XXXX ( another Loan Officer, I guess ) and told him how I felt like XXXX XXXX was too busy, and was n't answering or responding to questions that I had. He supposedly was away at a conference, but was supposedly working on my file. After waiting and waiting, he eventually told me the FHA Loan was denied. I asked him, " did you not remember me telling you about the short sale ''. He replied "" honestly

Subproduct:
 I lost all confidence in him. The next thing he discussed was converting my loan application over to a Conventional Loan. After several attempts of contacting XXXX XXXX by text and email with questions and status

Issue:
 he hesitantly was responding ( before he realized he screwed up he would respond immediately ). XXXX XXXX gave his 2 cents

Subissue:
 but of course they work for the same company so they would try anything to cover their a**. My buyer 's agent and her lead knew everything that was going on with my file ( which I feel is unprofessional )

Consumer_narrative:
 and I had XXXX instance where the Buyer 's agent Lead phoned me on three way and she called herself going off on me in a nice nasty way

Company_public_response:
 because I had contacted another Loan Office within Movement. While I was waiting on responding from XXXX XXXX


Date_received: According to the new loan originator
Product: the Buyer 's agent told him that my conventional app was denied that morning
Complaint_ID: Yes
Subproduct:
 but XXXX XXXX continued to text me in the afternoon that things were being worked on and transferred. After sending him numerous text messages


Date_received: XXXX XXXX was very misleading
Product: and being that he is the professional
Complaint_ID: Yes
Subproduct:
 he told several untruths. He put the blame on me because I checked no to the question of "" have you every foreclosed on a home or did a deed in lieu of ''. I explained to him I did not know that those referred to a shortsale

Issue:
 but being that I verbally told him about the short sale. He is the Loan Originator he should have known what to check on the final application that he filled out. I have received the appraisal refund

Subissue:
 but I am also wanting Movement Mortgage to refund me for the inspection of the home that I did not get. Had he done his job right from begininning


Date_received: 04/18/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Company: the account has been paid
Complaint_ID: Yes
Consumer_narrative:
Transunion does n't allow you to dispute on website or XXXX and posts this message, " We can help you dispute an error on your TransUnion credit report in just a few steps. Here are some things to keep in mind before we get started. Submitting a dispute request does not guarantee that TransUnion will change your report. '' XXXX XXXX amount of {$1300.00} I paid my half of this debt ( {$660.00} )

Company_public_response:
 responsibility of balance should be directed to other occupant of resident on lease and removed from my credit report. XXXX XXXX


Date_received: 04/04/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: which Loancare wo n't look into
Complaint_ID: Yes
Consumer_narrative:
My mortgage was transferred from XXXX Mortgage company to Loan Care in XXXX 2016. I was not given the new loan number from Loan care until after XXXX XXXX, therefore I paid the first payment to them via electronic check from my bank XXXX XXXX XXXX with my old mortagage number. I started getting calls from Loan care that my payment was delinquent. I called the customer service rep at Loancare who told me they will look into it and get back to me. I never heard back from them, only call was from loancare telling me I was delinquent on my payment. Finally, in XXXX I asked for a request to look into it, once again did n't receive any calls/letter about it, called two weeks later and they told me to send them a copy of my bank statement showing the payment was made. I faxed that information and did n't hear from them. Called back another two weeks later and they told me that they never got my bank statement ( I have a fax showing it was sent to the right number and faxed to them ) and that they could n't help me. I went on their website and uploaded a scanned copy of the bank statement and fax confirmation and obtained a ticket number. I called again a week later and they told me they do n't have that information available, and wo n't be able to help me and I can not speak to anyone in the CONSUMER solutions department, who may have that information. I am getting called every day from debt collection about this " late '' payment


Date_received: 04/08/2016
Product: Credit card
Issue: Advertising and marketing
Complaint_ID: Yes
Consumer_narrative:
I signed up for the American Express " Amex Everyday '' credit card under the promotional offer of "" Spend {$2000.00} within 90 days and receive XXXX Membership Rewards Points '' The sign up date was approximate XXXX XXXX. I have met the requirements of the promotion during XXXX XXXX


Product: he asked "" for verification
Subproduct: WHY do you need a copy?! '' I let him know once again I never received XXXX
Complaint_ID: Yes
Date_received:
04/08/2016,Debt collection,Medical,Disclosure verification of debt,Not given enough info to verify debt,I received a letter from AR Resources out of Pennsylvania stating I owed a balance and would be reported to collections. I called within 24 hours and the gentleman I spoke with explained I owed this to the physician when I let him know my insurance should 've covered this. When I let him know I never received a bill and would like a copy

Issue:
 the hospital name was wrong on the statement they sent and I knew I am legally entitled to XXXX. He interrupted me and said something along the lines of


Date_received: 04/18/2016
Product: Credit reporting
Issue: Credit monitoring or identity protection
Subissue: Account terms and changes
Company_public_response: without the other 's consent
Company: elect mandatory
ZIP_code: the term "" Claim '' or "" Claims '' means any claim
Submitted_via: dispute
Date_sent_to_company: or controversy between You and Us regarding any aspect of Your relationship with Equifax
Timely_response: whether based on contract
Consumer_disputed: statute
Complaint_ID: common law
Consumer_narrative:
I am wanting to submit a arbitration claim against Equifax for FCRA and Maryland state deceptive trade practices violations. Their arbitration clause states as follows : " Binding Arbitration. Either You or Equifax may

State:
 binding arbitration of any Claim ( as defined below ) raised by either You or Equifax against the other. As used in this arbitration provision

Company_response:
 including but not limited to any Claim arising from these Terms of Use or arising from Your use of the Products or this Site or any information You receive from Us


Date_received: A consumer could initiate an action in federal court to compel Equifax to arbitrate
Product: but until Equifax updates their clause to meet XXXX 's consumer protocols
Complaint_ID: common law
Subproduct:
 the consumer is pretty much in limbo. I am requesting your agency look into this illegal clause as I feel it violates not only the Federal Arbitration Act ( FAA )


Complaint_ID: common law
Date_received:
04/18/2016,Consumer Loan,Installment loan,Problems when you are unable to pay,,Tower Loan office in XXXX and XXXX Mississippi have completed illegal hard inquiries that has greatly affected my credit score. They did not have permission to complete the hard inquiries on my account


Product: LLC"
Subproduct: MD
Issue: 210XX
Consumer_narrative: Other
Company_public_response: Web
Company: 04/13/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: common law
Date_received:
04/13/2016,Debt collection,Mortgage,Taking/threatening an illegal action,Seized/Attempted to seize property,,Company believes it acted appropriately as authorized by contract or law,BWW Law Group


Date_received: 04/08/2016
Product: Consumer Loan
Subproduct: Installment loan
Issue: Managing the loan or lease
Complaint_ID: Yes
Consumer_narrative:
They do not allow for early payments. For example, my payment is due on XXXX/XXXX/2016. I wanted to make my payment today, XXXX/XXXX/2016. They will not allow it. You can only delay payments, you can not advance them. While you are allowed to make additional payments or pay off early without penalties, you can not make advanced or early payments. This establishes a minimum interest charge that can not be reduced in order to pay off early. They advertise " no prepayment penalty ''


Product: Inc."
Subproduct: PA
Issue: 19120
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/08/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
04/08/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 04/27/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Problems caused by my funds being low
State: but ultimately
Complaint_ID: Yes
Consumer_narrative:
Tuesday XXXX XXXX 2016, I noticed that my Chase checking overdraft protection deposited {$1800.00} into my checking account to cover an overdraft. However, there was no overdraft that occurred from my records or from Chase. The amount showed as 'Pending. ' I contacted chase at XXXX EDT on Tuesday XXXX/XXXX/2016 to ask why this happened, but the ( male ) Chase representative could not explain why. He stated that I should repay the {$1800.00} back to the credit card ( Chase XXXX ) and everything should be fine. He stated that I need to do this before the end of the day ( Tuesday ). As instructed, I made the payment from my checking ( account XXXX ) to my Chase credit card that night for the amount of {$1800.00}. Wednesday morning ( XXXX/XXXX/2016 ) my account showed an new overdraft because of the payment I made to the credit card. However, the funds ( {$1800.00} ) that were originally showing as 'pending ' were no longer in my account and a new credit card over draft amount was transferred for ~ {$1500.00} ( to cover the NEW overdraft ... according to Chase ). My checking account now has a XXXX dollar balance and I no longer have any money in my account. I 've talked to at least XXXX different Chase employees, from different departments, each coming up with their own explanation of what occurred. Eventually, I was told that I would have to wait for the {$1800.00} credit card payment to post and then have it reversed which will then take an additional 3-5 business days after I call back, yet again to explain the situation to yet another Chase rep. This is a complete breakdown of communication on Chase 's part and lack of ownership for what one incompetent Chase employee told me to do. My family and I have been trying to stretch the mere {$300.00} in my checking until next pay day. I keep getting the same answer from Chase : " I 'm sorry

Company_public_response:
 but there 's nothing we can do. '' I mentioned to them that my phone call was recorded with the original rep and that they should take ownership for their mistake. I had one employee ( XXXX XXXX ) tell me that I should start using a paper register to keep track of my records ( i.e. placing blame on me for the issue ). So far

Company:
 I have not heard anything back from anyone within Chase and I 've wasted hours today on the phone re-explaining the problem


Product: Inc."
Subproduct: CO
Issue: 80534
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/19/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/19/2016,Credit reporting,,Incorrect information on credit report,Public record,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Subproduct: I then paid for XXXX 2016. Now when the month of XXXX came
Subissue: to later take the {$100.00} back
Consumer_narrative: US Bank fraud department told me that XXXX has that right since I owe them
Company_public_response: but they do n't have the right to go into my account without my approval
Company: they have the right to their money but they must go
Submitted_via: these tactic needs to stop. I realize {$100.00} is n't much
Company_response: in the complaint department is XXXX
Complaint_ID: Yes
Date_received:
04/08/2016,Bank account or service,Checking account,Deposits and withdrawals,,Us Bank took a {$100.00} out of my checking account for XXXX that I did not authorize

Product:
 I talked to net credit and told them that I could pay {$100.00} monthly. I was ask how I wanted to pay and I said I will called it in and pay by phone

Issue:
 XXXX took {$100.00} out of my account without my permission I did n't authorize an ACH or call in for XXXX to debt my account. US Bank refunded my {$100.00}

State:
 I repeat they must go though the proper procedure by law and be approved ( I believe ). By the way I found out that XXXX XXXX had a Charge Off against me

ZIP_code:
 I don '' t think you can charge off and collect to. They are taking my Federal benefits without approval

Date_sent_to_company:
 but it 's the little foxes that spoil the vine. The person I spoke to in US Bank fraud was name XXXX


Complaint_ID: Yes
Date_received:
04/05/2016,Debt collection,I do not know,Cont'd attempts collect debt not owed,Debt is not mine,Convergent Outsourcing Inc calls my office phone and leaves automated messages several times a week indicating that I call XXXX XXXX. I have called this number and their corporate number XXXX XXXX to request that they remove my number from their call list more than 10 times in the last 3 months. They always assure me that my number has been removed from their robot-dialer but I am still receiving calls. What 's more


Date_received: 05/03/2016
Product: Money transfers
Subproduct: International money transfer
Issue: Other transaction issues
Company_public_response: therefore allowing the seller to keep the {$600.00}
Company: and the insurance claim refund
Submitted_via: which includes quoted buyer protection. Now
Date_sent_to_company: I am without {$600.00}
Company_response: without the purchased goods
Complaint_ID: Yes
Consumer_narrative:
I made a purchase through Paypal invoice for a tangible goods. According to the buyer agreement I signed with Paypal I am to be protected in the event the item is not received. I sent {$600.00} to a person in another country and was to receive goods in exchange. The seller provided tracking information for the item being shipped which shows the item never made it to XXXX, let alone delivered to my address. The seller also confirmed that the shipping courier ( XXXX ) acknowledged that the item was lost. The seller paid for insurance to be covered in the case of loss or damage and has subsequently filed a claim with XXXX for an ammount equal to the {$600.00} purchase price. As a buyer through Paypal, who 's user agreement states I am protected in the case of non-receipt, I filed a dispute to get my money returned ( {$600.00} ). After investigation the dispute was eventually closed in favor of the seller citing " proof of delivery '' was provided by the seller

State:
 all the while I am without the agreed upon goods - Clearly going against the rules of buyer protection as explained by paypal ( item not received ). I called paypal after learning of the dispute result only to be told that international law can supersede the paypal buyer agreement because international seller agreements vary country to country

ZIP_code:
 something that is not explained in the user agreement I had signed with paypal. It boldly states "" Protection for Buyers- Types of Problems Covered. PayPal Purchase Protection ( also known as PayPal Buyer Protection ) helps you if you encounter either of these problems : You did not receive the item you paid for with PayPal - "" Item Not Received '' ( INR ) ''. Why they decided to side with the seller is beyond me and goes against the agreed upon signed user agreement


Date_received: 04/23/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
Wells Fargo has refused to put me in contact with the " single point of contact '' assigned to my account and has refused to discuss options within a reasonable time frame for resolution on a mortgage to a property I no longer intend to keep. The loan was current when I asked for cash for keys or similar solutions. Now the home is three months past due

Company_public_response:
 occupied by vagrants and squatters and sits in ruin. Still no call from the appropriate person at Wells Fargo and continued unnecessary damage to me credit. A resolution is demanded as of three months ago


Date_received: Complaint 3. On XXXX XXXX
Complaint_ID: Yes
Product:
 XXXX I went to XXXX VA branch to make deposit. I never asked any bank staff regarding line of credit. However right on the second day


Date_received: Complaint 4. On XXXX XXXX
Subproduct: phone number
Complaint_ID: Yes
Product:
 XXXX I went to XXXX branch to make deposit and demand promotional offer {$900.00} and thank you points XXXX. I was given extremely difficult time by the teller such as asking my social security number


Date_received: 04/08/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Complaint_ID: Yes
Consumer_narrative:
I have been ( robo ) called everyday by " Convergent Outsourcing '' who ( once I identify myself ) stated they were representing XXXX and trying to collect on a past due bill. I explained that when I closed my account

Company_public_response:
 I was told everything was in order. They insisted I owed ( roughly ) {$190.00}. I asked that they email me an invoice or provide some sort of verification. They refused. They have called me several times everyday since


Product: Inc."
Subproduct: NY
Issue: 100XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 04/08/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
,Company believes complaint caused principally by actions of third party outside the control or direction of the company,Convergent Resources


Date_received: 04/23/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Information is not mine
Complaint_ID: Yes
Consumer_narrative:
I 'm a XXXX adult and I 'm positive that I have not made over XXXX inquiries into my credit report. I also see mistakes in account reports and in delinquent reports, because the delinquencies are due to being repeatedly ignored on the phone to give proper insurance information. Furthermore, I do n't know how to get help with a XXXX committed against me that may be effecting my credit. The manager of an XXXX store in XXXX named XXXX XXXX pushed me physically out of the store because she said I 'm too " XXXX '' to have an account with them


Date_received: 04/19/2016
Product: Debt collection
Subproduct: Medical
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Complaint_ID: Yes
Consumer_narrative:
On XXXX/XXXX/2016 Financial Data Systems " Collection Agency '' stated in writing that they would DELETE XXXX collection accounts that I was disputing if they were paid. I paid the disputed amounts by credit card to resolve the matter and received a letter stating they had requested the accounts be deleted. However

Company_public_response:
 after seeing that XXXX of the XXXX accounts had not been removed from my XXXX Credit Report as agreed. I filed a dispute with XXXX and provided the letter from Financial Data Systems. Today


Product: Cruise and Smith LLC"
Subproduct: FL
Issue: 32302
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/28/2016
State: Untimely response
ZIP_code: No
Complaint_ID: Yes
Date_received:
04/28/2016,Debt collection,Payday loan,Taking/threatening an illegal action,Threatened arrest/jail if do not pay,,,Goldstein


Date_received: 04/19/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan servicing, payments, escrow account
Complaint_ID: Yes
Consumer_narrative:
I have had nothing but bad service with First Mortgage Corporation ( " FMC '' ). A few months ago I was told they sold my loan to another servicer. I began calling the other servicer for an address to send my payment. They told me they did not have me in their system. Finally after calling for a FULL month


Date_received: My husband and I had purchased our home in XXXX XXXX
Product: SC in XXXX XXXX. After our closing
Complaint_ID: Yes
Subproduct:
 the mortgage was purchased by Roundpoint Mortgage. Since then we 've had a number of issues from them not paying our hazard insurance and sending our escrow money back in a {$700.00} check in XXXX XXXX and then sending a bill for the same amount after finding their error. We 've had numerous analysis done and have been given XXXX different mortgage payment amounts. We 've talked to several of their employees both in XXXX and here in XXXX. We were told not to pay our mortgage last month until the last analysis was completed which made us late. We just received another check from them for over {$1300.00}. After once again speaking to a representative

Issue:
 my husband was told to cash the check and send them back about {$100.00} to bring our monthly payment back down ... and we could keep the rest. He looked at what was in our escrow account

Subissue:
 about {$110.00} when there should be well over {$1500.00} in there. '' The RoundPoint response to the complaint was inaccurate at best


Product: RoundPoint has mismanaged our account
Subproduct: served us poorly
Issue: and is
Subissue: now
Consumer_narrative: attempting to revise the history of our recent relationship through RoundPoint Assistant VP
Company_public_response: XXXX XXXX XXXX 's response. I was proactive
Company: did the legwork
State: performed the research
ZIP_code: and endured and educated RoundPoint reps throughout this process. For these reasons
Complaint_ID: Yes
Date_received:
I 'd gladly send you their response along with our XXXX character rejection of their response. In summary


Product: I have tried to contact them directly and through the Credit Bureau
Complaint_ID: Yes
Date_received:
04/14/2016,Credit card,,Delinquent account,,I had a credit card with USAA then they cancelled it. Acct no. XXXX was wondering what happened. Then I received a letter from Office of Personnel Management that my Identity had been breached


Date_received: 05/03/2016
Product: Credit card
Issue: Transaction issue
Complaint_ID: Yes
Consumer_narrative:
Repetitive unauthorized charges to credit card account - when I call the business ( XXXX ) they argue with me and say that my wife authorized the charges when she charged a rental car from XXXX XXXX XXXX XXXX on our credit card account -we have the rental car statement printout and there is no such charge reflected. XXXX will agree initially to " cancel the membership '' PROSPECTIVELY - but not give a credit for the unauthorized charge. When I press the matter ( XXXX ) about this being a fraudulent


Date_received: 04/24/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
According to Ocwen employee with Employee ID # XXXX, Ocwen has initiated foreclosure proceedings against our property. Ocwen entered into a National Service Agreement with the CFPB and with attorneys general and state banking regulators in XXXX states, and XXXX. The consent order addresses Ocwen 's misconduct during the mortgage servicing process. It also covers XXXX companies previously purchased by Ocwen, Litton Loan Servicing LP ( " Litton '' ) and Homeward Residential Holdings LLC ( previously known as American Home Mortgage Servicing

Company_public_response:
 Inc. or AHMSI ). AHMSI was our previous servicer prior to Ocwen. Ocwen must adhere to significant new homeowner protections. The consent order requires that Ocwen follow the servicing standards set up by the 2012 National Mortgage Settlement ( NMS ) with the XXXX largest banks. According to the consent order


Complaint_ID: Yes
Date_received:
I do not want to have to resort to legal means to get the issue resolved but will if it is not. This is black and white


Complaint_ID: Yes
Date_received:
04/19/2016,Credit reporting,,Credit reporting company's investigation,No notice of investigation status/result,I am filling this complaint because Transunion has ignored my request to provide me with their 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


Product: 15 USC 1692
Complaint_ID: Yes
Date_received:
I submit that this activity on the part of Allied Interstate is a violation of the Fair Debt Collection Practices Act


Date_received: Allied Interstate LLC also states that
Complaint_ID: Yes
Product:
 "" Your creditor or debt collector believes that the legal time limit ( statute of limitations ) for suing you to collect this debt may have expired. It is a violation of the Fair Debt Collection Practices Act


Product: XXXX TX XXXX to remove the inquiries on phone
Subproduct: they said I should ask Credit Bureau
Issue: when they will contact ask them
Complaint_ID: Yes
Date_received:
04/25/2016,Credit reporting,,Improper use of my credit report,Report improperly shared by CRC,XXXX of XXXX pulled my credit on XXXX/XXXX/2015 from minimum XXXX banks and other institutes without my authorization. I called XXXX of XXXX


Date_received: I would appreciate for your kind help
Complaint_ID: Yes
Product:
 you can see in attached lists how they have pulled my credit report. Not only me but my XXXX ( I am XXXX ) family and specially my son who is XXXX XXXX at XXXX ( XXXX XXXX XXXX ) who really needs transportation and van XXXX


Complaint_ID: Yes
Date_received:
04/25/2016,Debt collection,Credit card,Taking/threatening an illegal action,Attempted to/Collected exempt funds,Dear Sir


Complaint_ID: Yes
Date_received:
3.i received a reply letter from the bank with NO RETURN ADDRESS and NO specific person to address the mail as it was written "" Speciality Claims research and Resolution '' stating the below : "" what you need to know "" "" we are unable to return {$1000.00} at this time because your account is currently past due


Date_received: 04/25/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: No notice of investigation status/result
Company: according to the FCRA
Complaint_ID: Yes
Consumer_narrative:
Transunion has been notified that there are problems with my credit report for a while and has told me that their original investgation revealed that my credit report is correct, then sent me a letter saying that they can not continue with my request to block information on my report because there is not enough " information '' and then when I request the results and evidence

Company_public_response:
 they send me a letter saying they need to do an investgation first. I have been told by my lawyer that Transunion is known for not actually investigating and I am starting to believe it


Date_received: 04/19/2016
Product: Debt collection
Subproduct: Payday loan
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Company_public_response: "" What is XXXX? '' That is who she said she represented in all of the voicemail 's. She said
Company: '' They were going to file fraud charges against me
Complaint_ID: Yes
Consumer_narrative:
I was contacted and left a voicemail by the same person three times in one week claiming to be XXXX XXXX representing XXXX. She stated on the voicemail, she was contacting me regarding legal complaints that are stemming from XXXX, that is attached to my name and then she stated the last XXXX numbers of my social. ( XXXX is my bank. ) I contacted my bank. They did not know anything about this. They put more security on my account deciding this could possibly lead to identity theft. Then I received another voicemail from XXXX XXXX, this time more information. She stated she was contacting me in regards to a check and fraud charge, that they have been asked to file against my name and social security number. Then by the third call XXXX XXXX left a voicemail that she received several legal complaints in her office regarding fraudulent allegations that are attached to my name and social security number. This was very upsetting because I did n't know who, XXXX was, and XXXX XXXX stated in the first voicemail that my bank, XXXX, was where the legal complaints were stemming from. My bank stated they do not have any legal complaints out against me. So she was lying. I was tired of the constant threats on my voicemail. I called the number XXXX to contact XXXX XXXX. She wanted my name, I stated I would just give my phone number. Then I waited and there was silence. So I just began speaking, " I would like you to stop contacting my number ... '' but before I could finish she started screaming at me that this was Ace Cash Express! So I said

State:
 but was yelling at me and very unprofessional altogether. I could n't get a word in. It was verbal abuse


Date_received: 04/19/2016
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: indicating the debt was not owed by me
Company: and it was not valid. I received a XXXX collection notice today
Complaint_ID: Yes
Consumer_narrative:
I fulfilled my one year membership requirement at XXXX XXXX XXXX XXXX in XXXX, IL in XXXX, 2016. The next month, my credit card on file expired so they were not able to continue billing me. I was contacted by the spa and returned their call to let them know I wanted to freeze my account as my husband had been out of work on medical leave since the beginning of XXXX. I continued to get a few phone calls and statements mailed every few days indicating I needed to contact them to pay what was owed. I again contacted them and told them I wanted to freeze my account. They demanded I pay 2 months they said was owed by that time. I refused, stating I had already fulfilled my obligation and had requested the freeze ; at this time, I told the person on the phone ( XXXX, I believe was her name ) that I just wanted to cancel my membership. I was told again there was a balance due but I again refuted the validity of the supposed balance as I had done everything required to settle the situation. I continued to receive statements every few days from the spa, and I ignored them as my husband needed my attention. In XXXX, I received the first collection letter from Transworld Systems , Inc indicating the " debt '' had been placed with them for collection. I responded in 8 days


Complaint_ID: Yes
Date_received:
I indicated in my first letter that I would file a complaint if they continued to contact me and demand payment of the invalid debt


Complaint_ID: Yes
Date_received:
Then in XXXX we finally received a piece of mail from LoanCare containing a statement with a due date of XXXX XXXX, with a note attached reading : " Please find enclosed your XXXX statement. This statement was scheduled to be mailed in XXXX

Product:
 but the mailing was unfortunately delayed as a result of a programming error with the print vendor. We sincerely apologize for the delay in mailing this notice ... '' Obviously the ball was dropped on their end from the start and they are unwilling to acknowledge it. We still have not received a statement for XXXX


Complaint_ID: Yes
Date_received:
04/19/2016,Consumer Loan,Vehicle lease,Managing the loan or lease,,I turned in my XXXX XXXX XXXX in XXXX XXXX and leased a XXXX XXXX at XXXX XXXX. At the time of negotiating I was advised by the salesman that my excessive miles would be waived since I was a loyal customer. In XXXX of XXXX I received a bill for {$1300.00} for excessive wear and tear and mileage. The dealership never informed me of my right to have a pre-inspection completed. I called Toyota and spoke with a person named XXXX at the XXXX XXXX XXXX department and explained my story. She then informed she would get back to me and I never heard from them again. Today I was called by a debt collection company


Product: Inc."
Subproduct: OH
Issue: 43228
Subissue: Older American
Consumer_narrative: N/A
Company_public_response: Postal mail
Company: 04/18/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
04/14/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 04/09/2016
Product: Student loan
Subproduct: Non-federal student loan
Issue: Dealing with my lender or servicer
Subissue: Received bad information about my loan
Complaint_ID: Yes
Consumer_narrative:
I have been reading more on this website provided by cfpb and I am concerned by the fact that I have never been given the XXXX Tax form. Although this is not a federal loan it is a Private loan that was paid directly to the recognized eligible educational institution " XXXX XXXX the School '' in XXXX

Company_public_response:
 Rhode Island ( year of 2006 ) where I have accrued XXXX worth of interest. This was a school to receive higher education. I have spoke to a few representatives ( throughout the years ) at Navient who have all told me I am not eligible ... But according to my reading here on cfpb


Date_received: 04/14/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting my free annual report
Complaint_ID: Yes
Consumer_narrative:
( I have no idea what your question about a " final response '' means in the context of Experian 's wanton & routine violations of the law. ) Earlier this year


Complaint_ID: Yes
Date_received:
04/09/2016,Credit reporting,,Incorrect information on credit report,Account status,Approximately 1 1/2 years ago I submitted proof that I have no tax liens against me by suppling Fed tax lien release docs to all three reporting agencies. I also dispute any claims that I have unpaid or delinquent medical bills. There is nothing else that I am late with. I se3nt the letters by certified mail and to date

Product:
 I have never heard from any of them. I will attach the docs that show the tax releases. I hope you can help me


Product: it was made more than apparent to myself
Subproduct: my Attorney
Subissue: appearance of Impropriety
Consumer_narrative: his total lack of impartiality
Complaint_ID: Yes
Date_received:
It was of interest to me after I had read an article about our Florida State Governor / States Attorney General giving a directive to all Civil Courts to " Clear out '' all outstanding or "" Older '' Home Foreclosure cases in their systems. It had become obvious to me that he was following this directive even if it meant completely ignoring the rule of Law. There was no other obvious reason for his rulings. In the last hearing conducted on XXXX/XXXX/2015

Issue:
 and friends who I brought with to the hearing that there was not a chance of a fair hearing or trial. I do intend to acquire a copy of the court transcript as proof of his complete lack of integrity


Date_received: In the hearing
Complaint_ID: Yes
Product:
 the Plaintiff failed to prove "" chain of title '' in several areas. The Lawyer for the Plaintiff had prepared for a "" blank endorsed note case ''. She only realized during the Trial that the original note was endorsed to the original lender

Subproduct:
 "" XXXX ''. That specific endorsement required them to show a written transfer from "" XXXX to XXXX. We had an admission by them that they had never received such assignment and that admission was placed in the evidence in the form of their answers to admissions to our discovery sent to them in the Trial. It should have been required by the Judge for them to show that they owned the Note or had a blank endorsed Note at the time that they filed the Lawsuit. Also

Issue:
 the Plaintiff failed to prove or tender into the record ANY evidence whatsoever concerning the alleged transfer by merger from XXXX XXXX XXXX to US BANK. US BANK is the named Plaintiff and NOT XXXX. They failed to show standing in the named Plaintiff


Product: when I had a {$0.00} below ( I did not owe them anything )
Issue: they acknowledged I did not owe anything
Subissue: but said I tried to make the payment
State: putting me on hold each time
Complaint_ID: Yes
Date_received:
04/19/2016,Credit card,,Billing disputes,,American Express tried to debit an unauthorized amount of {$900.00} out of my checking account

Subproduct:
 causing me to get a returned payment fee with my bank and American Express. When I called American Express to report this

Consumer_narrative:
 so they would not credit me back the fee. I told them I definitely did not make a payment of {$900.00}

Company_public_response:
 when I had a {$0.00} balance ... that just does n't make sense. All I wanted was for them to remove the fee they were charging me for THEIR mistake

Company:
 but they refused to do that. I then asked to speak with a manager and they just transferred me around to other people with the same job title


Date_received: 04/10/2016
Product: Mortgage
Subproduct: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account
Company_public_response: our attorney of record
Company: other secured creditors and to the law firm representing our mortgage servicer
Submitted_via: the debtors
Date_sent_to_company: meaning my husband and I
Complaint_ID: being proactive and accountable
Consumer_narrative:
In short, my spouse and I filed for Chapter XXXX bankruptcy protection in XX/XX/XXXX. In XXXX XXXX, our trustee filed a " Notice of Completion of Chapter XXXX Plan Payments to Trustee '' and served it to us

State:
 Greentree Financial dba Ditech which was transferred from XXXX XXXX XXXX XXXX XXXX in XXXX XXXX. Approximately 30 days later

ZIP_code:
 Ditech 's attorney provided a response to the Trustee and our bankruptcy attorney indicating while they confirmed receipt of the Trustee payments

Company_response:
 were allegedly delinquent in our mortgage payments by XXXX {$36000.00} which equates to approximately 24 months of past due mortgage payments ( that documentation has been attached to this complaint ). Documentation provided to substantiate their claim has been inconsistent

Timely_response:
 incomprehensible and ambiguous at best ( that documentation has been attached to this complaint ). You should know that the first time we were notified about a gap in payments is when a law firm representing XXXX XXXX XXXX sent an intent to file for a motion for relief to our attorney in XX/XX/XXXX. We challenged them by requesting a copy of our pay history and upon receipt we learned that XXXX XXXX XXXX was posting post petition payments to pre-petition shortages ( the months included in their proof of claim ) erroneously. Once our attorney challenged their findings by providing the XXXX pay history documentation to XXXX XXXX XXXX 's attorneys

Consumer_disputed:
 we never heard from that firm again ( that documentation has been attached to this complaint ). When my husband 's employment was impacted


Date_received: 04/10/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: but I did it any way. Central Mortgage Company never changed my automatic billing information
Company: and the next month
ZIP_code: and after 35 minutes on hold
Complaint_ID: Yes
Consumer_narrative:
I changed primary bank accounts and was trying to update my automatic billing with Central Mortgage Company from the old account to the new account. There is no information about how to do this on their website ( there is almost no information on their website ). I tried calling their phone number and it was hard to every reach a person - there is no operator and automatic call system does n't cover automatic billing changes. Eventually, it took over 55 minutes to on hold to reach a person. That person told me to send my request along with my new bank account information over the " contact us '' form on their website. I was concerned because it did n't seem secure

State:
 my old account was overdrawn when the company charged for my mortgage. I called Central Mortgage Company again

Submitted_via:
 I talked to a rude employee who emailed me a change of information for automatic billing. Because there is no easy way to be in contact with this company


Date_received: 04/10/2016,Consumer Loan,Vehicle loan,Managing the loan or lease,,To Whom It May Concern
Subproduct: 2016 last payment late my last payment was in XXXX XXXX
Complaint_ID: Yes
Product:
 My name is XXXX XXXX XXXX I have had a truck loan with Automotive Credit Company for 5 years I am a XXXX XXXX Veteran and this company harassed me by mail and phone calls telling me my payments or late. I have never been late on a payment I just checked my credit score XXXX is giving me a score of poor XXXX because they have reported me XXXX XXXX


Complaint_ID: Yes
Date_received:
04/10/2016,Student loan,Non-federal student loan,Can't repay my loan,Can't decrease my monthly payments,Back in 2003

Product:
 I returned to college at XXXX years old to change careers from working XXXX and went into court reporting to get a better paying job and hopefully help secure my eventual retirement. Advancing my XXXX degree in XXXX XXXX would not offer enough pay to offset school loans and why I decided to try court reporting school at the XXXX XXXX XXXX XXXX in XXXX

Subproduct:
 Oregon because they said the job started out paying {$40.00} to XXXX upwards to a XXXX figure income eventually and the course would be completed within 2-3 years. I had already attended art school for a year


Date_received: In short
Issue: the insurance company denied culpability
Subissue: our attorney dropped out not having resources to fight an insurance company
Complaint_ID: Yes
Product:
 I and about 10-15 other students sued the XXXX XXXX XXXX XXXX for breach of contract after finding out the XXXX XXXX XXXX XXXX said on average

Subproduct:
 it takes 5-7 years to complete the course and we won a judgement against the college 's insurance company. Of course

Consumer_narrative:
 and none of us have found any attorney willing to take on the contested judgment. After 4 years of court reporting school


Date_received: Now
Subissue: a payment stub
Consumer_narrative: a copy of the judgement and a letter explaining everything to XXXX and Wells Fargo
Company_public_response: but say that according to their rates
State: I found a roommate to share expenses a month ago
ZIP_code: but with moving expenses and new apartment deposits
Complaint_ID: Yes
Product:
 although I was able to get out of my counseling job paying {$13.00} an hour after 12 years of service with that agency

Subproduct:
 now as a sales consultant I am paid {$15.00} an hour and have about {$100000.00} in student loan debt. I recently consolidated my Federal loans and waiting to hear approval for an income based repayment plan

Issue:
 but XXXX and Wells Fargo do not offer alternative affordable payment plans. I sent in copies of all my bills

Company:
 I should be able to make their payments. In attempting to avoid default and have been a month behind for at least the last 4 months


Date_received: Both XXXX and Wells Fargo call me
Product: on average
Subproduct: 4 days a week
Complaint_ID: Yes
Issue:
 XXXX times a day and while I am at work. Despite my repeated explanations to them that I can not take phone calls at work and repeated explanations are given each week


Complaint_ID: Yes
Date_received:
I am now a XXXX year old woman and under incredible stress with all of this resulting in XXXX car accidents last year sky rocketing my insurance rates and still with attempts to reduce my living expenses

Product:
 I have been depleting what little retirement I had from my Mutual funds and IRA to be able to meet living expenses. At this rate

Subproduct:
 there will be nothing left way before I get to retirement age. My immediate concern is that XXXX and Wells Fargo will eventually garnish my wages despite everything I am trying to do. I have just basic living expenses and no car payment or credit card bills and still ca n't meet their school loan payments. Apparently


Product: Inc."
Subproduct: NY
Issue: 12589
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/10/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/10/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: Sincerely
Product: XXXX XXXX XXXX Enclosures : [ IRS form XXXX Release of Federal Tax Lien
Subproduct: IRS form XXXX ( XXXX )
Issue: Credit report and IRS Form XXXX ( XXXX )
Consumer_narrative: Social Security
Company_public_response: Driver 's license
Complaint_ID: Yes
Subissue:
 Notice from the IRS Newsroom dated XX/XX/XXXX in relation to the IRS 's new policy to withdraw paid tax liens


Product: Inc."
Subproduct: AR
Issue: 71730
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/20/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
04/20/2016,Debt collection,Non-federal student loan,Improper contact or sharing of info,Talked to a third party about my debt,,,Navient Solutions


Date_received: 04/20/2016
Product: Credit reporting
Issue: Unable to get credit report/credit score
Subissue: Problem getting report or credit score
Company: that there were multiple social security numbers and names associated with my information
State: and requested I send in proof of my identity. I sent copies of my ssn
ZIP_code: ID
Timely_response: you will see multiple inquiries for them. This delayed my internet from being connected
Complaint_ID: and she updated it. The other department I have spoke to was the online support department
Consumer_narrative:
I had trouble signing up for Equifax membership product. I finally signed up XXXX XXXX, 2016. After 2 weeks I was scheduled to update my score and report. I continued to get an error " Contact the department at : ''. I contacted the membership department several times and even spoke a supervisor. I was told by each agent that there is some inaccuracies om my report and I need to speak to the dispute department. Not to mention I have also contacted Equifax located in Georgia

Company_public_response:
 in which they also submitted a XXXX ticket to have this fix. In between these times I have contacted the dispute department and spoke to XXXX supervisors.! supervisor confirmed with me too

Submitted_via:
 Tax forms and proof of address. I have confirmed that they have received my proof. Each time I have received a different response and no on has fixed my issue. Furthermore the dispute dept including the supervisors

Date_sent_to_company:
 have disconnected on me several times ( at least 5 times is an understatement ). I tried to refinance my loan and they tried 3 times to access Equifax 's report ( They only pull for Equifax ). They denied my application

Company_response:
 because they were not able to access my report for Equifax. XXXX and XXXX XXXX XXXX has also had trouble accessing my file for Equifax 

Consumer_disputed:
 in which I just spent over XXXX dollars to start college courses online. The second supervisor claimed it was an address


Complaint_ID: and she updated it. The other department I have spoke to was the online support department
Date_received:
04/20/2016,Credit reporting,,Incorrect information on credit report,Account status,FHA Loan-short sale


Date_received: 04/11/2016
Product: Debt collection
Subproduct: Payday loan
Issue: Communication tactics
Subissue: Threatened to take legal action
ZIP_code: my understanding of XXXX law is that even in cases of an agreement made "" in bad faith
Submitted_via: '' the maximum amount that can be sued for in civil court is "" treble damages ''
Company_response: I have received concerned phone calls from my mother in XXXX
Complaint_ID: members of my family
Consumer_narrative:
ACE Cash Express has repeatedly made threatening and harassing phone calls to me, my family and my former employer claiming that they are suing meet in court if I do n't pay back an alleged debt of " XXXX within 24 hrs of this notice. '' I will be attaching XXXX such email that was sent to me on XXXX XXXX which claims they will be suing in court for "" {$6300.00} plus legal fees '' if I do n't comply within XXXX hrs. While I have borrowed from ACE a few times in the distant past ( the last date I remember being in 2012 )

Company_public_response:
 they have always electronically removed my principal and fees from my bank via ACH on the due date automatically. To my knowledge

Company:
 I do n't owe them any current or past due debt. In the past when I have borrowed from them I have only ever borrowed a maximum of {$300.00}

State:
 which is the maximum amount a payday loan company can lend legally in XXXX so it would be legally prohibited for them to lend me an amount that would make my debt the alleged {$540.00} even if I had wanted them to. Furthermore

Date_sent_to_company:
 which would clearly be substantially less than the "" {$6300.00} plus legal fees '' that they are threatening me with. In the past week or so

Timely_response:
 My father XXXX and my supervisor from my former employer XXXX because they each received phone messages from what they were led to believe was a government agency or lawyer threatening legal action and criminal charges against me regarding this alleged debt. In each case the phone message received included a "" docket number ''

Consumer_disputed:
 and my parents and former supervisor were genuinely concerned that I was in some sort of serious legal trouble. A "" docket number '' and "" case number '' are also included in the threatening email from them that I am submitting to you. The email also claims that they are forwarding a copy of their claim to my employer "" to make sure they take swift actions '' against me and threatening that "" your salary and all your wages ( will be ) confiscated. '' These are clearly illegal collection practices that violate my consumer rights. This is not the first time I have had such threatening emails or phone calls made to me


Date_received: 04/20/2016
Product: Debt collection
Subproduct: Medical
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Company: for the second time
Submitted_via: not mine
Company_response: XXXX
Timely_response: not XXXX XXXX
Consumer_disputed: XXXX as it is currently listed on my credit file. Next
Complaint_ID: as reflected on the attached bill dated XXXX XXXX
Consumer_narrative:
As reflected in the attached letter dated XXXX XXXX, XXXX, XXXX states, on its Company letterhead, " We previously sent you a letter on XX/XX/XXXX as a first notice of placing your account with collections with PDQ Services

Company_public_response:
 Inc ''. Their response that it was with another agency to my complaint is completely inaccurate and false. The actual letter sent by PDQ is attached

State:
 to this complaint as proof to the Bureau of Consumer Financial Protection that PDQ did in fact hold the debt and try to collect on XXXX XXXX

ZIP_code:
 XXXX. PDQ is using ruthless tactics and bad faith when listing the date as occurring on XXXX XXXX instead of XXXX XXXX. This keeps the account listed on my credit report for an additional 2 years as a collection and delinquency -- there 's extending the credit reporting date. PDQ 's possible subsequent re-acquisition date with the dental clinic is PDQ 's complication

Date_sent_to_company:
 the consumer. PDQ must update the credit file to reflect the accurate date of initial collection as XXXX XXXX


Date_received: 04/14/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure
Company: as technically
Complaint_ID: Yes
Consumer_narrative:
My home is in foreclosure, and despite the fact that in XXXX, Caliber/XXXX Master Permanent Trust informed me that they were the new creditor/assignee of my mortgage, there is no recording in land records as to this day to support this, and further, XXXX, the supposedly " former '' loan holder still continues to be listed as the plaintiff in the Sheriff 's sale. I suspect that Caliber may be deliberately not recording recent changes in mortgage assignments to further enrich themselves

Company_public_response:
 ( by avoiding paying the real estate recording fees ) and at the same time to shield themselves from legal action


Date_received: 04/28/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Using a debit or ATM card
Complaint_ID: Yes
Consumer_narrative:
TCF Bank denied a valid Charge Back because of customer benefit. I tried to return the product back to XXXX XXXX XXXX three times. Two by email one by certified mail restricted delivery. The certified mail was unclaimed and mailed back to me. Under visa regulation E under chargeback Management guidelines for merchants. reason code XXXX : not as described or defective merchandise. I 'm only required to make a valid attempt to return per visa regulations. XXXX example is " an example of a valid attempt to return may be to request that the merchant retrieve the goods at the merchant 's own expense. Please see attached visa regulations. Two times on XX/XX/2016 I requested per email that XXXX XXXX XXXX. "" I 'm requesting that XXXX XXXX XXXX come retrieve puppy ( took out name ) at your own expense. '' On XXXX XXXX


Date_received: 04/20/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Public record
Company_public_response: but when I emailed the court in regards to CRA reporting
Complaint_ID: Yes
Consumer_narrative:
I still do no understand how EQ keeps coming to the conclusion that these public records need to stay on my credit report for 7 years when XXXX and XXXX have deleted both of them! What laws and rules do they use that bring them to this conclusion? Their dispute results say that they " verified '' this information with the courts

Company:
 they do NOT handle any of this at the court level. So who are they "" verifying '' this information with? You claimed that you verified this and told me to contact the furnisher. You claim that the court furnished and verified the information. I did as instructed and they informed me that they neither furnished the information nor verified the information. They are the only ones qualified to make a verification regarding this alleged public records and they did not verify. You are allowing slander on my credit report. Verification according to XXXX Law Dictionary is ... averment that the party pleading is ready to establish the truth of what he has set forth ... .the examination of a writing for purpose of ascertaining the truth ; or a certificate or affidavit that it is true. So this means verifying information is sworn testimony and must be first hand knowledge. A clerk of courts 

State:
 county recorder or XXXX XXXX does n't have firsthand knowledge. If someone verifies but does n't have firsthand knowledge then its not verification

ZIP_code:
 its hearsay and hearsay is inadmissible and the court says is incompetent. Reference FRCA 603 ( o ) ( 5 ) ( A ) ( i ; iii ) The court and all entities such as the recorders office have not been given authorization by me


Date_received: 04/14/2016
Product: Debt collection
Subproduct: Credit card
Issue: Communication tactics
Subissue: Threatened to take legal action
Complaint_ID: Yes
Consumer_narrative:
Company stated number on caller ID was a 3rd party tracker process server. Refused to provide company name when calling, when requested, or when contacted by phone. Stated Company Name was " Global


Product: Inc."
Subproduct: NY
Issue: 14207
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/11/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/11/2016,Debt collection,Credit card,Taking/threatening an illegal action,Sued w/o proper notification of suit,,,Portfolio Recovery Associates


Date_received: 04/14/2016
Product: Credit card
Issue: Advertising and marketing
Company_public_response: there was no restriction to XXXX cashback earnings. A few weeks later
Complaint_ID: Yes
Consumer_narrative:
The issue was false advertising and " switch and bait '' practice. The company did n't address this issue in either of their responses. According to Press Release


Product: Inc."
Subproduct: FL
Issue: 331XX
Company_public_response: Web
Company: 04/18/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/14/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt is not mine,,,Commonwealth Financial Systems


Product: XXXX and said the request to send the email was not done ... .then on XXXX XXXX
Subissue: buyer
Consumer_narrative: broker
Complaint_ID: Yes
Date_received:
XXXX XXXX, XXXX we were scheduled to close and Ocwen again did not remove the XXXX mortgage from the title. Then on XXXX XXXX, XXXX I spoke agent ID XXXX XXXX and he explained that there was an " issue with the title '' and the information that is needed to clarify this will be emailed to me and the broker within 24 to 48 hours. XXXX agent ID XXXX then called again on Thursday XXXX XXXX

Subproduct:
 XXXX spoke to XXXX again and he said he would need to transfer me to XXXX in the research department who then stated that she would need to place on several holds and then came back with the same information that there is "" an issue with the title '' and the legal department is now handling this and they will be emailing us instructions within 24 to 48 hours. I am trying to paint a picture of the level of sabotage that is going on to try and prevent the short sale from taking place over the past 3 years. Phone calls and emails similar if not worst to this one has been occurring between myself and Ocwen

Issue:
 Ocwen and the broker and Ocwen and the buyer. We are all ready to close this short sale and they continue to do everything they can to transfer and delay the closing and in the meantime continues to file paperwork to foreclose the home. As the seller of the property I am asking for further assistance in dealing with Ocwen as someone has to be in charge of regulating them so they can not continue to sabotage a short sale by not providing the necessary documentation to close the sale. Ocwen has repeatedly not provided the necessary documents to move forward with the sale. Everyone including the attorney


Date_received: 04/15/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: they have listed {$8300.00}
Complaint_ID: Yes
Consumer_narrative:
We have been denied a modification with Citi Mortgage. The denial is not my complaint. This information is new and in addition to my previous complaint that was filed. My complaint is what we have expressed previously, along with new errors on their part that has put us in danger of losing our home. When we received the modification denial letter from Citi, it stated in one area that the information that they used in the decision making process was " letter of agreement between responsible parties - letter between XXXX individuals stating the amount of child support ''. We have never received or paid out child support. We have been married for 39 years. Where are they getting their information from. I want them to provide that letter. Another item in the letter is our "" monthly gross income of all borrowers on your loan before payroll deductions or taxes ''

Company:
 which amounts to {$100000.00}. We have never made that amount. It is about {$20000.00} more than what we actually receive. I ask that they prove where these figures came from. We put trust in Citi that they have responsible

State:
 educated individuals going through this process for their customers. Obviously they do not. What a shame


Complaint_ID: Yes
Date_received:
XXXX XXXX gave false information to our third party representative XXXX XXXX. He told we had XXXX choices

Product:
 either a short sale or we could do a re-payment plan. If we chose the repayment plan we would have to pay {$11000.00} down. XXXX ( our XXXX party representative ) had a phone appointment with XXXX XXXX on Thursday

Subproduct:
 XXXX XXXX XXXX at XXXX XXXX PST. He did not hold up to this meeting and never did make contact with XXXX for another meeting. XXXX contacted Citi to arrange another meeting

Issue:
 only to find out that our file was no longer with XXXX XXXX no longer had our case & was transferred to a different representative. Surprise

Subissue:
 surprise another representative. I should not be surprised. This just delays us with finalizing this process. Add 's days to the finalization


Complaint_ID: Yes
Date_received:
We always provided all requested documents in a timely manner through this entire lengthy process. Over and over because they kept changing our processors. It should be required that all documents are available for the next processor


Date_received: Something needs to be done with the way Citi has handled our account. False information
Product: not stopping a foreclosure date when requested because our file was not complete
Subproduct: when it was complete
Issue: unnecessary delays
Complaint_ID: Yes
Subissue:
 not holding up to scheduled meeting. Telling us on XXXX/XXXX/XXXX they anticipate resolving our case within 15 days. Here it is XXXX/XXXX/XXXX and finally being resolved. This shows they do n't care or know what they are doing


Product: Not knowing what I know now
Subproduct: that put us into a foreclosure status
Complaint_ID: Yes
Date_received:
We are behind on our payments because in order to "" pre-qualify '' for a modification we had to show a need. Being current is not showing a need. So were instructed to make the next 4 payments at half of what we would normally pay


Complaint_ID: Yes
Date_received:
Citi needs to provide a copy of the letter in regards to child support and the documentation showing that our {$8300.00} as they have stated on the letter dated XXXX/XXXX/XXXX. This is false inaccurate information. XXXX XXXX provided false information. XXXX XXXX provided false information. If a consumer presents false information to a bank


Date_received: 04/29/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Complaint_ID: Yes
Consumer_narrative:
TRANSUNION continues to report " hard '' inquiries into my file by XXXX CARD on XXXX/XXXX/XXXX and by XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX


Date_received: 04/29/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Complaint_ID: Yes
Consumer_narrative:
EXPERIAN continues to report " hard '' inquiries into my credit file by XXXX XXXX XXXX on XXXX/XXXX/XXXX

Company_public_response:
 XXXX/XXXX/XXXX and XXXX/XXXX/XXXX as well as by XXXX XXXX on XXXX/XXXX/XXXX and XXXX on XXXX/XXXX/XXXX. As all of these were to have been done as "" soft '' inquiries


Product: Inc."
Subproduct: NY
Issue: 13669
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/11/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/11/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: 04/20/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: let me make sure I understand. I authorized one online payment for XXXX
Company: Ditech updated its computer systems and duplicated my payment
Submitted_via: I was told Ditech knew about the issue on XX/XX/XXXX. To date
Date_sent_to_company: I have not received anything from Ditech about this issue. At XXXX
Complaint_ID: due to the number of credits Ditech was processing
Consumer_narrative:
I paid my Ditech mortgage payment online on XXXX XXXX, 2016 and it was deducted from my checking account. On XXXX XXXX, Ditech deducted another payment from my checking account. When I contacted them I initially told Ditech upgraded its computer system and it automatically duplicated any payments that were made XX/XX/XXXX-XX/XX/XXXX, but they had fixed it so the second payment would n't be debited from my account. I told her it was being deducted and she asked if I she could call me back in 10 - 15 minutes. After XXXX minutes I called back. This time I was hung up on. The third time I called back I spoke to someone who told me the duplicated payments were being deducted and there was no way to reverse it. I asked how I could have that payment credited back immediately, as I needed that money, and was told I needed to speak to a supervisor. I was transferred to XXXX, who was horrible. He told me they had no intention of crediting borrowers back unless they specifically asked for it. I said, " so

State:
 and I have to call and ask you to refund the duplicate payment? '' XXXX said yes and laughed. I told him he was acting extremely cavalier and unsympathetic considering the company worked was causing financial issues for XXXX its customers ; not letting the customers know and then not crediting the affected customers. He said he did n't mean be cavalier and "" did I want the second payment credited back? '' I told him yes

ZIP_code:
 I did. He then told me it would take XXXX business days for me to receive the credit. THREE TO FIVE BUSINESS DAYS TO FIX THEIR MISTAKE!! Ironically

Company_response:
 I received a message from the first person I spoke with asking me to please call her back as she had a resolution to my problem. When I called

Timely_response:
 a different person told me the duplicate payment was coming out of my account and she would transfer me to a supervisor who could credit it back. I told this new person I had already done that. She put me on hold and then came back and verified the credit was being processed and it wold take 3 - 5 days to process it. Well

Consumer_disputed:
 today is 4 business days later and I called to follow up on the credit as I have n't seen it yet. Today I was told that it was in the process of being credited ; however


Date_received: 04/25/2016
Product: Credit card
Issue: Credit determination
Company_public_response: there is a robot asking me for my Social Security Number
Company: which they should not need
State: for my home address
ZIP_code: my telephone number
Submitted_via: and XXXX knows what else
Date_sent_to_company: and they do not allow me to connect to a representative
Company_response: period. Enough!!! I am not interested in giving that information to anyone
Complaint_ID: Yes
Consumer_narrative:
Chase has sent me XXXX credit card mailings between XXXX and XXXX of XXXX, and I do n't want them. I am certain they are affecting my credit, and I want them stopped. However, when I call chase to get rid of these " offers ''


Date_received: 04/29/2016
Product: Consumer Loan
Subproduct: Vehicle loan
Issue: Managing the loan or lease
Complaint_ID: Yes
Consumer_narrative:
XX/XX/2015 I wanted to purchase a vehicle but unfortunately my credit was n't sufficient for a " regular loan '' which landed me with a high interest rate finance company ( Reliabe Credit Association ). From XX/XX/2015 until present date my experience has been pure angony. My account is current and never missed a payment. However


Product: False statements or representation
Subproduct: Attempted to collect wrong amount
Complaint_ID: Yes
Date_received:
 Please be advised that Equifax will not respond to this complaint via the portal as we suspect that it may have been submitted using a credit repair company. The format and verbiage of this complaint is similar to many other complaints that we have received from consumers utilizing the services of a credit repair company or 'credit clinic '. To ensure the privacy of our response| we will send the results of our reinvestigation to the consumer 's current address utilizing our normal dispute process. '' The issue remains -- - This account is incomplete| and inaccurate. 

The XXXX XXXX Account| Activity Designation Should be " Paid and Closed '' and not NA. 

The Pay History should reflect only for the months in which this account was opened. 

When EQ manually updated this Tradeline XX/XX/2016| the Pay History was space filled with NR. 

The Comments and the HC listed| are inaccurate as well. The Card NEVER had a High Credit of XXXX| or was at the limit. 
,,Equifax,NJ,077XX,,Consent provided,Web,05/05/2016,Closed with explanation,Yes,Yes,1910709
05/04/2016,Mortgage,Conventional fixed mortgage,Settlement process and costs,,We sold our home in XXXX 2016. Painting on the outside was required. On XXXX XXXX| 2016 the painter completed the work. The lender was advised and they were to send an appraiser out to check the work. Several emails and phone calls later| an appraiser has still not checked the work. The painter has n't been paid and the remainder of our escrow funds have not been released. 
,Company believes complaint is the result of an isolated error,1st Preference Mortgage,MD,214XX,,Consent provided,Web,05/04/2016,Closed with explanation,Yes,Yes,1910335
04/29/2016,Debt collection,Other (i.e. phone| health club| etc.)


Date_received: 04/25/2016
Product: Credit card
Issue: Other
Company: ONLY THE CREDIT INQUIRY ON MY XXXX REPORT
State: WHICH I DID NOT CONSENT TO BY WAY OF CHECK MARK
ZIP_code: INITIALS
Complaint_ID: Yes
Consumer_narrative:
ON XXXX/XXXX/16, I ATTEMPTED TO USE THE ONLINE SERVICES OF SYNCHRONY BANK, TO REQUEST A CREDIT LIMIT INCREASE FOR MY WALMART CREDIT CARD ACCOUNT. THE FIRST STEP OF THE ONLINE PROCESS REQUIRED THE CREDIT CARD HOLDER ( MYSELF ) TO INPUT PERSONAL INFORMATION FOR VERIFICATION PURPOSES, INCLUDING INCOME. THEN, THE CARD HOLDER IS PROMPTED TO PRESS THE NEXT TAB BUTTON TO PROCEED TO NEXT SCREEN. IN DOING SO, THE ONLINE SERVICE IMMEDIATELY PROCESSES THE APPLICATION. THE ONLINE SERVICE DID NOT PROVIDE ANY MEANS FOR MYSELF TO CONSENT, CONFIRM, OR AUTHORIZE A CREDIT INQUIRY NOR REVIEW TERMS OF AGREEMENT UPON REQUESTING A CREDIT LIMIT INCREASE. I DID NOT HAVE AN OPPORTUNITY TO OPT OUT OF MY REQUEST AT ANY TIME DURING THE PROCESS. THE ONLINE SERVICE HAS ONE INITIAL STEP, THEN ONCE YOU PRESS THE NEXT BUTTON TO TAB TO NEXT SCREEN IT PROCESSES APPLICATION. I WAS UNAWARE THAT I WAS AT THE FINAL STAGE OR STEP OF THE CREDIT LIMIT REQUEST PROCESS. I BELIEVED THAT ONCE I CHOSE NEXT I WOULD BE DIRECTED TO ANOTHER STEP WITHIN THE PROCESS. THE ONLINE PROCESS DID NOT INDICATE OR DISCLOSE THAT I AM CONSENTING TO A HARD INQUIRY. THERE SHOULD BE A FINAL CONFIRMATION STEP TO ENSURE THE CARD HOLDER WOULD HAVE AN OPPORTUNITY TO CHANGE THEIR MIND. THE ONLINE SERVICE PROVIDED A MESSAGE, WHICH READ " UNABLE TO PROCESS A CREDIT LIMIT INCREASE VIA ONLINE ''

Company_public_response:
 SO I ASSUMED THE CREDIT LIMIT REQUEST WAS NULLIFIED OR CANCELLED UNTIL I RECIEVED A LETTER FROM SYNCHRONY BANK INDICATING "" MY CREDIT LINE INCREASE WAS RECEIVED AND DENIED ''. I AM NOT REFUTING THE DENIAL


Product: with a Citibank Visa issued through BestBuy. I have the billing notice
Subproduct: received by email XXXX XXXX
Issue: 2016
Complaint_ID: Yes
Date_received:
04/25/2016,Credit card,,Billing statement,,Is is legal for Citibank/BestBuy to bill its customers and require payment SIX days later? This happened to me


Date_received: Why are they are doing this? BestBuy credit cards are activated immediately
Product: in stores
Issue: and to Citi and BestBuy
Complaint_ID: Yes
Subproduct:
 so that people can make credit purchases immediately. I also believe this practice is designed mainly to prey on people who may not have other access to credit but want their electronics. That does not describe me ; I took the card because of an in-store promotion. That does n't matter. Meat eaters are meat eaters


Product: or may be data hand off from XXXX
Complaint_ID: Yes
Date_received:
c. Ocwen 's failure to accept payments has cost my family substantial increase tax payments d. Ocwen 's failure to use their information on record


Product: training
Subissue: harsh letters
Consumer_narrative: foreclosure warnings
Company: but was major problem for year ). Again
State: the investor or holder of mortgage was n't paid either
ZIP_code: so Ocwen provided disservice to both sides of servicing relationship. In my case
Company_response: "" many customers are having their payments or their loan amount substantially reduced
Consumer_disputed: one via certified check
Date_received:
the customer service rep ( CSR ) did not understand what a notary does and asked why they could n't adjust date [ hint : that 's illegal ] not CSR 's fault

Subproduct:
 mngt prob g. Ocwen had multiple contact streams running uncoordinated for the past two years. While Collections is calling for payment

Issue:
 Operations could not accept payments and encouraged to complete loan modification package. The entire time loan modification package is "" in process ''

Company_public_response:
 etc. are mailed to house which greatly challenged relationship with my wife and family. Nobody believes a company can be "" that bad '' and that messed up - Ocwen is worse than that. Online payment was not available because of operations inability to accept payments. ( I do n't know if this is still issue with Ocwen in general

Submitted_via:
 Ocwen 's disservice caused health problems ( you ca n't sleep when you get foreclosure notices and you call and speak to someone who ca n't help you

Date_sent_to_company:
 does n't understand how their own system works and defaults you to encouraging you to file for loan modification due to hardship - On several occasions they actually encouraged completing hardship loan modification forms to reduce payment

Timely_response:
 just fill out the package. '' h. When I could not get answer on payment amount I sent $ XXXX then $ XXXX to catch up on payments

Complaint_ID:
 one via wire as instructed - yes paid fees - and each was returned. Payments were made with Ocwen guidance and specified amounts - but Ocwen 's on people could not agree on to the penny amounts - which they said was the reason for XXXX return - No one had an answer for other returned payment - again


Date_received:
i. No handoff from prior servicer - When I called to make phone payment to prior servicer I was told my account number was not valid. CSR at lender said it must of been transferred but did not have any info or chose not to share ( XXXX ). When I got in touch with Ocwen

Product:
 they said they did not have information that I should call back in 3 weeks. When I called back they asked for 2 more wks - all I wanted was an account number and to make payment. Yes

Complaint_ID:
 one via wire as instructed - yes paid fees - and each was returned. Payments were made with Ocwen guidance and specified amounts - but Ocwen 's on people could not agree on to the penny amounts - which they said was the reason for XXXX return - No one had an answer for other returned payment - again


Product: was not considered. XXXX XXXX
Subproduct: ( whose supervisor is XXXX XXXX
Issue: stated that the appeal process does not consider facts omitted from the original documentation
Complaint_ID: Yes
Date_received:
The XXXX initiated appeal was denied and the XXXX average gross income, substantiated by and affidavit, XXXX XX/XX/XXXX income tax filing, and future weekly rental agreements signed and " on the books '' supplied


Date_received: At the time of the XX/XX/XXXX denial
Product: neither the XXXX point of contact
Subproduct: XXXX XXXX
Complaint_ID: Yes
Issue:
 nor the underwriter were aware of the XXXX earnings as attested by XXXX XXXX saying to me on XX/XX/XXXX that she and the underwriter could find no indication of the gross income in the XXXX Request for Mortgage Assistance ( RMA ). It was clearly stated in the RMA and entered in the correct location as per instructions in the RMA and a step by step review with BA XXXX XXXX


Complaint_ID: Yes
Date_received:
XXXX XXXX stated to me that the substantiated XXXX monthly income was not included based on a subjective determination/judgement of an underwriter. Please remember that if you practice subjectivity


Date_received: XXXX please explain to me how gross income
Product: income not affected by expenses
Complaint_ID: Yes
Subproduct:
 is determined/calculated and why income from a rental property is not included based on a subjective judgement of an underwriter. If you are not using the income


Complaint_ID: Yes
Date_received:
Please be transparent and explain the variables used in the XXXX that determines modification or not on internal capitalization modifications. In addition


Product: fail
Issue: Discharge of Obligation to Pay Instrument ; and
Complaint_ID: Yes
Date_received:
The Alleged creditor/beneficiary in this case is THE XXXX AS TRUSTEE FOR CERTIFICATE XXXX ASSET-BACKED CERTIFICATES SERIES XXXX XXXX 1. The live agents of respondent have joint and several

Subproduct:
 refuse or neglected to lawfully respond to the Demandant's/Largent 's : Notice of Default and Notice of Default in Dishonor 


Product: the total Finance Charge is {$270000.00}. Therefore
Complaint_ID: Six-Month XXXX
Date_received:
XXXX. Under Disclosure of Finance Charge -- I have investigated the Finance Charge as disclosed on the Final Truth In Lending Statement ( Exhibit XXXX ) by running a 30 year amortization schedule and have noted that the total of interest the lender will receive is {$270000.00}. When added to the finances charges of {$3600.00}


Date_received: 05/10/2016
Product: Credit card
Issue: Unsolicited issuance of credit card
Company_public_response: well
ZIP_code: HOWEVER
Date_sent_to_company: as is my legal right. 4 ) The whole process has caused damage to my credit score
Company_response: not only from the initial inquiry
Complaint_ID: Yes
Consumer_narrative:
I applied for a credit card. I was given a different ( inferior ) card than the one I applied for an was told, " oh

Company:
 you should use this other card for 6 months and then you 'll almost be certain to get the card you actually want. '' There are several problems with this : 1 ) The marketing was deceptive. I do not believe they had any sincere intention of providing the card that was advertised. 2 ) A card and line of credit was created in my name

State:
 without my permission. There is a section in the terms and conditions ( attached to this complaint ) that states that I may be automatically considered for a card other than the XXXX I am applying for

Submitted_via:
 it states only that I will be considered for the card -- not that I will automatically be provided with XXXX -- AND it does so only under the section "" Notice to Ohio Residents '' 3 ) There was no indication when I received the card that I was at all different than the card I had applied for. The credit card company was trying to pass off the inferior card as the card I applied for ( see attached welcome letter ). I was also not provided with a notice of rejection and the option to receive a copy of my credit report ( since that was the basis for the rejection )


Date_received: 05/13/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Settlement process and costs
Company: 2016. We signed all of the closing papers on Friday
State: XXXX XXXX
Date_sent_to_company: 2016. At that point
Timely_response: his exact words were
Consumer_disputed: "" you should n't. With that said
Complaint_ID: if the lender does report we will provide a letter to clear it. '' So with that
Consumer_narrative:
We refinanced our VA loan with Lowvarates.com The process began about XX/XX/XXXX or XX/XX/2016. Because we were a " streamline '' VA refinance

Company_public_response:
 we did not have to have alot of paperwork done and were advised it would n't take long. We were "" about '' to close on several occasions and finally XX/XX/XXXX we got a closing date of XXXX XXXX

ZIP_code:
 2016. We understood that our XX/XX/XXXX payment was included in the payoff and we would not have to make the XX/XX/XXXX payment. We went on about our business and on XXXX XXXX

Submitted_via:
 2016 I received an email from our broker. He sent the email after XXXX p.m. and I read it somewhere around XXXX or XXXX. He advised that there was a mistake in he paperwork and we had to resign the papers. They sent a notary to us around XXXX to sign the corrected paperwork. After the paperwork was corrected we realized that the mistake in the paperwork delayed the funding and they payoff of our old loan did not happen until XXXX XXXX

Company_response:
 the our payment that we were told was paid in the payoff of the house was 30 days late. We had spent the month of XXXX expecting to close on more than one occasion and did not make the payment because we were supposed to close and were told it would be included. The next morning I emailed our broker and asked about if we would be considered 30 days late


Date_received: 05/13/2016
Product: Bank account or service
Subproduct: Checking account
Issue: Making/receiving payments, sending money
Company_public_response: sent them to my credit card account that they ACH the XXXX of each month
Company: accused me of lying the payments were never sent
Complaint_ID: if the lender does report we will provide a letter to clear it. '' So with that
Consumer_narrative:
Dear Madame/Sir, Today I received a reply re : my case XXXX against Citibank. The reply was " working on my issue '' and "" I should hear from them in 60 days ''. Are you kidding! Citibank received my payments in a timely manner and cashed the checks


Date_received: Why 60 days? Ha
Product: ha
Complaint_ID: if the lender does report we will provide a letter to clear it. '' So with that
Subproduct:
 just another stall tactic. A settlement agreement was made in XXXX XXXX re : the account. Sixty days will be almost be a year when the settlemet agreement was made with me. The account was suppose to be satisfied in XXXX XXXX. The account should be closed not "" settle '' for illegal practices by Citibank. I would like for this charade to be over


Product: my bills are always paid on time
Complaint_ID: Yes
Date_received:
You can imagine my surprise when I received a letter from chase stating that they will be closing my account because " continuing the relationship creates possible reputational risk to our company. '' My credit score is great


Complaint_ID: Yes
Date_received:
In XX/XX/XXXX Due-diligence letter is not accurate/untrue RECORDED XXXX page XXXX CALIFORNIA XXXX XXXX XXXX XXXX XXXX XXXX as page XXXX of Notice of Default and Election to Sale check date


Product: XXXX XXXX XXXX XXXX XXXX )
Subproduct: and XXXX XXXX XXXX
Issue: XXXX XXXX
Complaint_ID: Yes
Date_received:
I recently submitted a request for investigation of an Acct Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$200.00} COLL {$200.00} - {$200.00} - - - COLLECTION XXXX I 've submitted enough information regarding the fraudulent account that 's open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your e-Oscar system you would have noticed that this account is not mine which your companies have claimed to " Verified ''. Since you 've obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX TransUnion


Product: MO
Subproduct: 63033
Subissue: N/A
Consumer_narrative: Phone
Company_public_response: 04/15/2016
Company: Closed with explanation
State: Yes
ZIP_code: No
Complaint_ID: Yes
Date_received:
 Dear Accounts XXXX| Thank you for trusting XXXX for all your business needs. This is just a friendly reminder that your XXXX bill for the following accounts are due today. If you have already made payment| please accept our thanks and disregard this message. 

Account XXXX : XXXX You can make your payment today| restore suspended services| request payment arrangements| and/or update billing information by calling XXXX. For billing disputes or in-depth billing matters| please contact your local Commercial Billing Department at XXXX. 

We value your business and the opportunity to serve you. 

Sincerely| XXXX XXXX| XXXX| XXXX| XXXX | XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX | Fax : XXXX XXXX Available Mon-Fri XXXX-XXXX CST Description : Description : Standard XXXX logo '' So| I called XXXX XXXX| could n't help me and I have finally filed a report with FCC and XXXX. Once time XXXX got to know about the issue via FCC and XXXX| they had reduced that bill and created another problem for me by sending {$140.00} in collection without any communication via email or mail what so ever. 

I am so surprised that XXXX XXXX did that| however this is what I have received in mail and email this week ; " My name is XXXX XXXX with Access Receivables Management| I am writing in reference to a XXXX XXXX XXXX account we currently have in collections in our office in the amount of {$140.00}. It 's very important that we resolve this matter so that no further actions are taken. Please contact me at the phone number listed below or reply by email. When calling or emailing please use ACCESS ID # XXXX. 

Payments can be made by phone using Visa| MasterCard| or check by phone. You can also go to XXXX to make a payment or set up a payment plan. I am willing to help by setting up a payment plan or settling on the account. 


Thank you| XXXX XXXX. Boys XXXX XXXXXXXXXXXX http : //access-receivables.com/ Access Receivables Management XXXX XXXX XXXX XXXX XXXX| MD XXXX '' I am not sure| if a collection agency could directly ask for money| without even validating a debt. I wish XXXX XXXX would have delt directly with me to resolve instead of even complicating furthermore. 
Thanks XXXX XXXX 
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Access Receivables Management,CA,913XX,,Consent provided,Web,04/15/2016,Closed with explanation,Yes,No,1881291
04/15/2016,Debt collection,Non-federal student loan,Communication tactics,Frequent or repeated calls,,,Navient Solutions| Inc.


Complaint_ID: Yes
Date_received:
XXXX .... Account Number : XXXX ... ... Never Paid Late/Please see XXXX 2016 Statement XXXX XXXX .... Account Number : XXXX ... ... Update to show paid as agreed/closed/ Please see Letters from XXXX showing account paid and letter agreed to show " paid as agreed '' XXXX XXXX ... Account Number : XXXX ... ... Not My Account/Removal Letter attached from XXXX Directly Former Address Removal : ... ... ... Never Lived at that address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX I wrote and faxed several dispute about the accounts referenced above. I have disputed this account information as inaccurate with TransUnion

Product:
 and TransUnion have come back to me and stated they were able to verify these inaccurate accounts. How is this possible? Under the laws of the FDCPA


Date_received: After contacting XXXX XXXX directly multiple times
Subproduct: a statement or even anything showing that XXXX converted XXXX XXXX Credit Card
Issue: but yet EACH Credit Reporting Agencies
Subissue: XXXX
Complaint_ID: Yes
Product:
 I was told that XXXX XXXX does not have this debt anymore and it is now owned by XXXX XXXX XXXX Recovery Department. When asked about information concerning the XXXX XXXX card they transfer me back to XXXX XXXX who still has yet to send any documentation validating the amount owed


Product: you are obligated by law to remove the item. There is a clear case of unverified debt here
Complaint_ID: Yes
Date_received:
The FCRA requires you to verify the validity of the item within 30 days. If the validity can not be verified


Date_received: In the event that TransUnion can not verify the item pursuant to the FCRA
Subproduct: I may need to sue TransUnion in any qualified state or federal court
Complaint_ID: Yes
Product:
 and TransUnion continues to list the disputed item on my credit report I will find it necessary to sue you for actual damages and declaratory relief under the FCRA. According to this regulation


Consumer_narrative: and the ID was blocked again. I recreated this one on my own
State: that I would be able to receive money there. This new rep said that is correct
Submitted_via: I called the risk closure department and they told me the direct deposit was there
Complaint_ID: Yes
Date_received:
The next day, I logged into the account, to check out the featuers and layout of the online banking portal and it denied me access to the account. I called customer support and they said the account is in a " risk closure '' status and they forwarded me to the closure department. I spoke with a gentleman in that department and he said there are no notes on the account and that there is nothing wrong with it and it is not in a closure state or being closed. He said there must be a problem with my online ID/login. He forwarded me to another department to check on that. The department handling the online access said there is no issue with my account and thought it strange

Product:
 so they created a new ID for me. I logged on successfully. This same thing happened on XX/XX/XXXX. I logged in to check out some of the online features and my ID did not work. I called again and they stated that my account was in "" risk closure

Subproduct:
 for fraud ''. I called the number they provided and I was told my account was being closed and they would not give me a reason. I tried to find out what was happening to it for 20 minutes but no matter how I asked the question

Issue:
 they would not provide any information about the account aside from that it was under investigation and was being closed. I informed him that I had a direct deposit scheduled to be deposited on XX/XX/XXXX

Subissue:
 and that I was concerned whether I would be able to receive the money their or if I should re-route my direct deposit so that it does not get deposited with them. He stated I would receive my money with no trouble at all. That I could go into any local branch and withdraw the money that was being direct deposited. The next day ( XX/XX/XXXX ) I attempted to log into the account again to make sure the correct address was on file

Company_public_response:
 by using the account number. It allowed me access but showed a withdrawal for {$880000.00}. I did not authorize this withdrawal on the account so I called customer support

Company:
 they told me I would need to talk to "" risk closure '' so they transferred me back to that department again. I was told that Bank of America placed this charge on my account to freeze my account. I asked them why and they said because it was being closed. I told them what the previous support rep. had told me

ZIP_code:
 that I would just need to call them Friday ( XX/XX/XXXX ) in the morning to pick up money at local branch. The next day

Date_sent_to_company:
 but that they would not release it. They said my account has a hold on it. I told them I needed that money to feed my family and for gas to get to work each day. They said account is under review and nothing they can do about it

Company_response:
 but submit a request to release the hold. XXXX the supervisor submitted the request and asked me to call back later that day to check status. I called at around XXXX and was told the hold had been released and to pick up my money at local branch Saturday morning XX/XX/XXXX. Today is XX/XX/XXXX

Timely_response:
 I went in person and they said the account is locked and I would receive my money in 7 to 14 business days in the mail. I explained everything and they were not able to override that status to give me my money. I now have no way to feed my family or pay my bills


Complaint_ID: Yes
Date_received:
When I contacted Bank of America initially they refunded me and then in XXXX the charges were reversed and validated on my account. Upon speaking to them


Product: and they removed one inquire but not the others
Complaint_ID: Yes
Date_received:
04/16/2016,Credit reporting,,Credit reporting company's investigation,No notice of investigation status/result,I submitted multiple request to Trans Union to remove several inquires on my credit report which were not mine. At first they refused saying it was my responsibility. I then showed them Federal Law sating it was their. They never responded. I then filed a complaint with the FCPB


Product: credit cards
Subproduct: automobile loans
Issue: housing
Subissue: employment
Complaint_ID: Yes
Date_received:
XXXX XXXX XXXX that has XXXX account is using fraudulent open dates to keep my account/debt open. I have never opened an account after XXXX. Last date shown being opened is XXXX, I have not reopened or opened an account with XXXX. after 7 years this account should have been removed. In XXXX this account for XXXX should have been removed. Due to XXXX fraudulent tactics this " BAD '' DEBT has appeared on my credit report for over 4 years which resulted in me not obtaining credit


Product: Inc."
Subproduct: CA
Issue: 93552
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/20/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/20/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Date_received: XXXX Response " Thank you for submitting your complaint on XXXX XXXX
Product: XXXX
Subissue: and in accordance with the FCRA
Company_public_response: within the next 48 hours
Complaint_ID: Yes
Subproduct:
 through the CFPB Complaint Portal. We appreciate consumers who take the time to let us know about their experiences with our company.We have reviewed and considered the information you have supplied through the CFPB portal and directly to XXXX. In your complaint

Issue:
 you indicate there are unauthorized inquiries appearing on your credit report. You are requesting the removal of the inquiries from your report. Upon further research and investigation

Consumer_narrative:
 the disputed inquiries are in the process of being removed from your credit report. You should receive an email notification


Date_received: Around XXXX
Product: out of the blue
Complaint_ID: Yes
Subproduct:
 I was receiving collection letters from Midland Funding asking me to pay {$2400.00}. When I finally requested debt validation


Complaint_ID: Yes
Date_received:
Midland responded not only saying its reporting was accurate but started updating the account every month without any purpose and manipulating my credit file


Complaint_ID: Yes
Date_received:
04/18/2016,Mortgage,Conventional fixed mortgage,Settlement process and costs,,The basis of my complaint is that a document not relevant or pertinent to the closing process

Product:
 that was not provided to Stewart Title by the lender/financial institution was presented to the buyers in our community to sign by Stewart Title. My XXXX neighbors were all presented with this document during the closing process to sign. This document has no relevance as to whether or not the loan closes successfully. This document was given to Stewart Title by the seller

Subproduct:
 XXXX XXXX. My assumption was the document was required to be signed since it was presented at closing for mortgage. Something my lender required I assumed. I was unfamiliar with the closing process. All I knew was I would be signing a lot of documents. The document in question that I was asked to sign was a Home Buyers Warranty application. In light of what we now know we suspect that this document was presented to the unsuspecting mostly first time buyers during the closing process as a way to easily obtain signatures without the seller having to face questions or provide information about the terms that we are all now aware of that we agreed to by signing the application. Stewart Title presented this application to each buyer to sign at closing for the seller XXXX XXXX. By signing this application the buyer entered into a contract with the seller and the contract had a binding arbitration clause that was not disclosed to the buyer. I would say XXXX % of the buyers were not made aware of this by Stewart Title. In very small


Complaint_ID: Yes
Date_received:
My recollection is that at some point in the middle of the process of signing my closing documents at Steward Title the title rep presented the HBW application for my signature. The title rep said "" this is the application for warranty that the builder purchased for your home


Product: AND NEVER GOTTEN PROOF
Complaint_ID: Yes
Date_received:
04/18/2016,Debt collection,Medical,Cont'd attempts collect debt not owed,Debt resulted from identity theft,THIS IS NO WAY MINE. I HAVE DISPUTED MULTIPLE TIMES


Product: Inc."
Subproduct: FL
Issue: 333XX
Consumer_narrative: Consent provided
Company_public_response: Web
Company: 04/20/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,Gulf Coast Collection Bureau


Complaint_ID: Yes
Date_received:
04/18/2016,Credit reporting,,Credit reporting company's investigation,Inadequate help over the phone,REMOVE THE HARD INQUIRY WHICH WAS DONE WITHOUT MY PERMISSION ON THE XXXX/XXXX/16 XXXX/XXXX XXXX XXXX


Date_received: 04/26/2016
Product: Credit card
Issue: Other
Complaint_ID: Yes
Consumer_narrative:
The Legal entity ( GECRB HBC ) is reporting negative debt on my credit file, but this company does not exist as doing business in XXXX and the contact number provided for the negative report belongs to Synchrony Bank XXXX. XXXX XXXX XXXX, FL XXXX in the United States. I called Synchrony bank at the number reported on my credit file ( XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX ) and spoke to XXXX. XXXX checked for my name XXXX XXXX and my date of birth in their records and stated : " we do not have you in our records on file maam ''. GECRB XXXX is not a legal entity doing business in XXXX. I would like this negative report removed from my credit file from XX/XX/XXXX -Equifax confirmation # XXXX. Attached Document : print screen of my XXXX credit report on XXXX XXXX


Product: Inc."
Subproduct: CA
Issue: 95117
Consumer_narrative: N/A
Company_public_response: Referral
Company: 04/20/2016
State: Closed with explanation
ZIP_code: Yes
Submitted_via: Yes
Complaint_ID: Yes
Date_received:
04/18/2016,Student loan,Non-federal student loan,Can't repay my loan,Can't get flexible payment options,,,Navient Solutions


Product: Inc."
Subproduct: TX
Issue: 78726
Consumer_narrative: Consent not provided
Company_public_response: Web
Company: 04/18/2016
State: Closed with non-monetary relief
ZIP_code: Yes
Submitted_via: No
Complaint_ID: Yes
Date_received:
04/18/2016,Credit reporting,,Incorrect information on credit report,Account status,,Company has responded to the consumer and the CFPB and chooses not to provide a public response,TransUnion Intermediate Holdings


Complaint_ID: Yes
Date_received:
When shown a copy of the consent order ( XXXX ) between Portfolio Recovery Associates , LLC and the Consumer Financial Protection Bureau, and was asked if he was aware of it, he said " That does n't apply in Maine


Issue: his response was always
Subissue: "" I do n't know
Consumer_narrative: I will have to check ''. In one case
Company: "" Do you have the paperwork for us today? "". The Defendant 's answer was
State: "" No
ZIP_code: I requested copies of past statements
Complaint_ID: Yes
Date_received:
I was not able to get time off of work to attend the court hearing and the Judge would not accept my written statement or any evidence that was offered by my husband on my behalf. A default judgement was entered

Product:
 because the plaintiff was represented by an attorney that appeared to have no knowledge of the complaint

Subproduct:
 evidence or facts of my case or any of the more than a dozen other cases he appeared for. When asked specific questions by the judge and other defendants

Company_public_response:
 the case was continued for 90 days to allow paperwork to be gathered. He turned to the Defendant and asked


Complaint_ID: Yes
Date_received:
Item 4 indicates that the original account number ended in XXXX. The attached statement from the account shows clearly that the XXXX account ended in XXXX


Complaint_ID: Yes
Date_received:
The Bill of Sale and Assignment of Loans provided to the court appears to have been altered ( section A has a full line that appears to have been whited out ). In section A


Complaint_ID: Yes
Date_received:
A single page is included with the alleged account information that has no indication that it is a part of any Bill of Sale and no other means of indicating its authenticity. I suspect it was included to attempt to prove the last payment date


Complaint_ID: Yes
Date_received:
The copy of a statement included has no indication of the date of last payment and shows no actual use of the account by the consumer. It also shows the Creditor as XXXX XXXX XXXX

Product:
 not XXXX or XXXX XXXX XXXX as referenced in the Complaint and Affidavit. A terms page included between two statement pages indicates XXXX but neither of the other companies


Date_received: 04/21/2016
Product: Mortgage
Subproduct: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account
Company_public_response: intelligent
ZIP_code: XXXX XXXX
Submitted_via: and attached all of my correspondence
Company_response: at the end of the day ). I have not applied for cancellation yet as my home is not yet at 80 % LTV
Consumer_disputed: I feel
Consumer_narrative:
My mortgage is with Nationstar Mortgage Company. Upon closing, I signed a PMI Disclosure form saying that I have the right to request PMI removal at 80 % LTV, and that it will be automatically terminated at 78 % LTV. Upon trying to clarify these terms with Nationstar, I 've been told by them that I can not get PMI removed until my loan is at 75 % LTV since it is less than XXXX years old. I have gone back and forth with them several times ( and have produced the signed PMI disclosure form for their review ) and have maintained that if that were the case, then it would 've been disclosed on the form along with all of the other disclosures The form simply stated that I have the right to request PMI removal at 80 % ( not 75 %, not 75 % within a certain timeframe ... 80 % ) and while there are some loans that require different terms for cancellation, my loan is not XXXX of them. I requested to be transferred to their legal department and was told by a rep that " they do n't have a legal department ''. I am not gaining any traction with Nationstar - responses are not timely

Company:
 knowledgeable or helpful. The responses I 've received from their Customer Service Department do not address my questions

State:
 have not produced any signed agreements ( between myself and them ) or documentation that back up their claims and often are scattered with grammatical errors combined with poor professionalism which make me question the competence of the Customer Service "" Specialists '' handling these mortgages altogether. I requested to be transferred out of the Customer Service Department to a superior in the company who I could escalate a complaint to and the Customer Service Rep refused to give me any contact information. At the advice of the XXXX XXXX XXXX XXXX - Banking Division I escalated the matter and wrote directly to the Compliance Officer at Nationstar Mortgage

Date_sent_to_company:
 documentation and expressed my frustration & stress in dealing with the Customer Service Specialists who have not been adequately addressing the situation. He simply forwarded my letter BACK to the Customer Service Department and I received a letter back from them saying ( again ) that they wo n't remove it until 75 %. Their PMI Cancellation Form is extremely vague and says that while I can request removal it is not guaranteed ( and seems to be at their discretion

Timely_response:
 but I suspect it will be upon a new appraisal. I am trying to get my ducks in a row for when that time comes and Nationstar

Complaint_ID:
 is violating my rights as a banking consumer and is not appropriately responding to my multiple attempts at sorting this out. It was always my understanding that the Homeowners Protection XXXX of 1998 was enacted specifically to protect consumers from banks doing exactly this. I am at my wits end and do n't know how else to proceed. I will attach my signed PMI Disclosure form


Date_received: Also
Complaint_ID: Yes
Product:
 need to know how to go about specifying how much of my payments goes to principal and how much goes toward interest. In other words

Subproduct:
 how do I make a principal-only payment and an interest payment. Does this need to be done separately


Product: and seems to be a matter of unfair
Subproduct: deceptive
Issue: and abusive acts and practices ( UDAAP )! Under the XXXX XXXX
Consumer_narrative: deceptive
Complaint_ID: Yes
Date_received:
Where in my agreement with SNAAC does it list that you all will apply varying amounts of my payments to interest? This was never made clear to me

Subissue:
 it is unlawful for any provider of consumer financial products or services to partake in any unfair


Complaint_ID: Yes
Date_received:
I also want to draw attention to the fact that on XXXX/XXXX/XXXX XXXX said she would submit an accounting ticket to have the following fees reversed and each and every time my wife and I follow up with SNAAC we 're told it 's still being reviewed


Date_received: 05/01/2016
Product: Credit card
Issue: Credit determination
Complaint_ID: Yes
Consumer_narrative:
Sometime in the XXXX to XXXX week of XXXX, 2016, I applied for the Sam 's Club XXXX. On XXXX/XXXX/2016 I received a response from Synchrony Bank stating that they were denying my application due to the following reason : " BANKRUPTCY PROCEEDING

Company_public_response:
 CREDIT COUNSELING OR CREDITOR SETTLEMENT ''. I have reviewed the latest copies of all three of my credit reports and none of them reflect any of the above whatsoever. I do not have any bankruptcies


Date_received: 05/02/2016
Product: Mortgage
Subproduct: VA mortgage
Issue: Application, originator, mortgage broker
Complaint_ID: Yes
Consumer_narrative:
My husband and I are the sellers in this situation. Our buyers were working with a home loan company since XX/XX/XXXX in order to obtain a VA loan. They are military Veterans who had moved from XXXX to XXXX recently. Neither buyer or seller had realtors so we depended on good communication and a reliable loan consultant. This couple had credit issues and were told at the beginning they needed to pay down some credit cards which they did. They needed to raise their credit score. Then they were told that there was a late payment to a credit card last XXXX XXXX XXXX and they would be required to wait a year from that date before the loan process could proceed. Then they were told that their debt ratio was not acceptable. By this time the sellers were in need of a line of credit letter or pre qualification letter for our seller. The letter of credit is attached and dated XXXX XXXX however it was not emailed to our buyers until late XXXX XXXX XXXX. The seller now is faced with a penalty regarding purchase of their new home because this loan process is moving so slow. They are concerned that this loan is not going to happen. At this point in time I start to text the loan consultant and seem to get some assurance that the loan will close XX/XX/XXXX ( see attachment of texts ). XX/XX/XXXX I text the loan consultant again about closing since we have not heard from anyone and the comment if " Not at all ... speak to your buyer ''. At this point My husband and I decided to visit with the loan consultant to get some answers and when we got to his office we discovered that there were no computers


Date_received: 05/05/2016
Product: Debt collection
Subproduct: I do not know
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Complaint_ID: Yes
Consumer_narrative:
Midland Credit Management XXXX is the most terroristic harrassment agency I have ever dealt with in XXXX years. We are XXXX and aged and have never owed anyone anything except for our mortgage which has been paid off for over 20 years. This company began calling us in XXXX XXXX regarding a debt that is n't even ours. They ask for someone named XXXX XXXX. They now change it to XXXX XXXX. We filed a complaint with the XXXX XXXX which was a joke. Even MCM reps said " go right ahead and see what happens to you

Company_public_response:
 we pay them under the table. '' Their legal counsel XXXX XXXX told the XXXX that they stopped calling on XXXX/XXXX/16 which is a total lie. We had received over XXXX calls before that and have received over XXXX since then. When I confront him he swears and threatens us. XXXX of their reps even having us killed by the XXXX. The person stated "" We know where you live and it is close to XXXX where the largest XXXX XXXX and possible in America are located. '' This has been reported to our local law enforcement in case they do. We continue to receive calls even after confronting XXXX XXXX as recently as Monday XXXX/XXXX/16. He gives all kinds of total excuses. We are harassed

Company:
 called names such as "" XXXX '' from them. They hire XXXX in XXXX who say we will never be called again. Their reps are so XXXX


Product: Servicemember"
Subproduct: Consent provided
Issue: Web
Subissue: 05/11/2016
Consumer_narrative: Closed with explanation
Company_public_response: Yes
Company: Yes
Complaint_ID: Yes
Date_received:
,Company believes it acted appropriately as authorized by contract or law,USAA Savings,AK,999XX,Older American


Date_received: 05/02/2016
Product: Credit card
Issue: Advertising and marketing
State: noting that none of the offer information was included in the mailer
ZIP_code: prompting a call into chase to understand why no benefits were disclosed. Chase
Submitted_via: after the fact
Company_response: a fact the representative on the recorded line failed to mention despite knowing my intent
Timely_response: and the facts were not disclosed in any of the terms and conditions on the website
Consumer_disputed: mail advertisement
Complaint_ID: or verbally. I asked to speak to a supervisor XXXX XXXX
Consumer_narrative:
I received a direct mail advertisement for the Chase Preferred Credit Card, advertising a waived intro year annual fee, XXXX bonus points if you spend $ XXXX in the first three months, and an APR of 16.23-23.24 % available to consumers who " have not had this credit card or received a new member bonus in the last 24 months ''. I contacted chase on XX/XX/XXXX

Company_public_response:
 speaking to XXXX regarding the card offer and asked to apply after inquiring about the account. The representative indicated I could convert my current card "" Chase Freedom '' to the new card

Company:
 but they would need to pull my credit. The representative made no other representation at that time regarding conversion and never mentioned anything in regards to the offer not being honored if you convert cards in lieu of opening a brand new account as my intentions were made clear the conversion was prompted in response to the offer. Chase pulled my credit and increased my credit line from XXXX to XXXX keeping it at the same APR. I inquired as to why my account received such a high APR as my credit scores range XXXX-XXXX and she was unable to answer me at that time. I received the new card in the mail on XXXX/XXXX/2016

Date_sent_to_company:
 informed me the card was not eligible for the offer and new APR because it does not apply to account conversions


Complaint_ID: Yes
Date_received:
Cashback Bonus : Earn an extra XXXX % Cashback Bonus on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX


Complaint_ID: Yes
Date_received:
XXXX : Earn an extra XXXX miles per dollar on up to {$10000.00} of in-store purchases when you use your Discover card with XXXX now through XXXX XXXX

Product:
 2015 now through XXXX/XXXX/15. Rewards earned are in addition to your standard rewards and are added to your Miles account within 2 billing periods. See Miles Program Terms and Conditions for more information. '' Discover clearly engaged in deceptive marketing practices. They marketed a promotion promising amazing rewards with no cashback and after getting new customers to sign up


Product: in violation of section 5 of the Federal Trade Commission Act ( "" Section 5 '' )
Subproduct: 15 U.S.C. 45 ( a ) ( l )
Subissue: 12 U.S.C. 5531
Complaint_ID: Yes
Date_received:
I will add that the FDIC and CFPB have already previously held that Discover has engaged in deceptive acts and practices in or affecting commerce

Issue:
 and in deceptive acts and practices in violation of sections 1031 and 1036 of the CFP Act ( together "" Section 1036 '' )


Complaint_ID: Yes
Date_received:
04/22/2016,Debt collection,Payday loan,Disclosure verification of debt,Not given enough info to verify debt,Contacted by National Credit Adjusters 

Product:
 LLC and verbally told that XXXX XXXX was going to take me to court and sue. Did not tell me the amount


Product: or for whom a financial institution is acting or has acted as a fiduciary
Complaint_ID: Yes
Date_received:
5 ) "" customer '' means any person or authorized representative of that person who utilized or is utilizing any service of a financial institution


Subproduct: they still refused reasonable accommodation of communicating with me via fax
Issue: portal
Subissue: text
Consumer_narrative: or encrypted email
Complaint_ID: Yes
Date_received:
05/06/2016,Credit card,,Other,,This is a continuation of Case number : XXXX. Despite Bank of America being told several times that I do not use a voice telephone due to the pain it causes me to answer it

Product:
 they called me yesterday regarding the complaint I filed. When they were again told that using the telephone causes pain


Complaint_ID: Yes
Date_received:
05/02/2016,Credit reporting,,Incorrect information on credit report,Information is not mine,Item # 1 : I dispute XXXX - XXXX


Product: XX/XX/XXXX
Subproduct: I received a closing disclosure showing terms
Issue: closing costs
Company_public_response: despite the cover letter for the disclosure saying
Complaint_ID: Yes
Date_received:
05/21/2016,Mortgage,Conventional fixed mortgage,Settlement process and costs,,I have been trying to refinance my home with Citibank/Citimortgage ( also my current lender for the present mortgage ) for 6 months. On Monday

Subissue:
 and cash out to me. I signed acceptance and returned the disclosure to the company. Closing was scheduled for XX/XX/XXXX at XXXX at my residence. Upon arrival

Consumer_narrative:
 the freelance notary Citi sent to conduct the closing had a different document than the one I agreed to on XX/XX/XXXX

Company:
 exactly "" This will be the same document you will receive during the loan closing. '' The actual closing doc showed closing costs $ XXXX+ higher than the disclosure

State:
 and my cash out $ XXXX+ lower. Citi knows I am on a tight time schedule and has taken this refinance down to almost the very last days ( I must release my ex-husband from the loan no later than XXXX/XXXX/16 ). I signed at closing so as not to delay the loan and risk falling out of our legally determined arrangement


Date_received: 05/21/2016,Bank account or service,Other bank product/service,Account opening
Product: closing
Subproduct: or management"
Complaint_ID: Yes
Subissue:
Below is a weblink which Bank of America repeatedly refuses to comprehend. The recent court case makes precisely the point I have made to Bank of America to no avail. I recieved yet an other letter U. S. Mail from this bank and it enclosed previous letters regarding this same account that was closed in XX/XX/XXXX, opened in XX/XX/XXXX and closed again a year later. Despite the contents of the letters - which are wrong - the furnishing of payment history by the bank that year was illegal. It matters not that it has since been removed at my request on XXXX, XXXX and XXXX. The letter says they will continue to report it to all XXXX agencies. This letter today, dated XXXX XXXX XXXX, the XXXX did not understand the point of including such examples as below. Instead, he cites privacy of other customers. Seriously? No one asked about other customers. Other customers in those complaints ' weblinks and attachments spoke for themselves. Let us begin at the legal point in the quoted text below about the recent court case that reiterates the FCRA. As it says, by furnishing 13 months of consecutive payment history on XXXX ( I have this printout mailed by XXXX from XX/XX/XXXX ) and telling me now they will continue to furnish data and its current being on XXXX is not legal. XXXX was the last payment! Yet, BOA told the XXXX agencies payments were made in XX/XX/XXXX. It additionally acts as if it has no record of it. The Fraud department at XXXX confirmed that payment history was in fact furnished that entire year ; XXXX XX/XX/XXXX. XXXX showed the account was closed after all those payments, per their legend. To close it, by definition, it was re-opened. The bank ca n't open an account in XXXX XXXX ; furnish 13 payments and then close again. So, just because the bank does n't have a clue that each month there was a XXXX balance and XXXX payment made on an account that was closed in XX/XX/XXXX, they just re-started the clock. The bank is and has provided letters since XXXX XXXX XXXX which lie and are contradictary to each other as well as in direct conflict with common sense. This account was not touched by Bank of America while it was open. It was closed by me. It was in good standing. It was a XXXX-dollar asset to them that required nothing on their part past XX/XX/XXXX. It is evident that the SEC should be informed. For this to have happened and continuing to happen and telling me it will continue to happen the bank must be manipulating assets to mislead investors on quarterly and annual filings. Nothing else makes sense. I will therefore provide my XXXX credit reports to the SEC and all letters from BOA denying what is plainly printed by all XXXX agencies plus their BOAs refusal to admit, fix, and correct it. I have other evidence I will provide them as well. Sufficed to say, it would be wise to get XXXX to remove it by telling them to do so. According to XXXX, BOA affirmed the account as if the XXXX date is not obvious. Regardless, my communication with the SEC I XXXX teach out to the candidates running for office as I have heard that oversight is an issue they are contemplating. I will send it to all. They need to know how horrible it is to deal with this bank and others over the simplest thing. Hours wasted. No ethical reaction to my complaints. BOA has bent over backwards to do nothing very slowly to pretend to have investigated this matter. I will continue to what it takes to have a credit report that to drive XXXX " As in that case


Date_received: 05/02/2016,Credit reporting,,Incorrect information on credit report,Account status,Lexis Nexis
Product: on or about XXXX XXXX XXXX
Issue: prepared in the ordinary course of business
Subissue: containing information bearing on my credit capacity
Consumer_narrative: character
Company_public_response: or general reputation
Complaint_ID: Yes
Subproduct:
 reported inaccurate information on a consumer report they provided to the Office of Personnel Management. Report prepared was a consumer report under 15 USC 1681a ( 603d ) because it was a written communication


Product: when I filed a previous complaint
Subproduct: XXXX
Complaint_ID: Yes
Date_received:
Lexis reported that I was late on my mortgage in XX/XX/XXXX and XX/XX/XXXX ( Account reported as XXXX. That is inaccurate information. At least XXXX of the XXXX NCRAs report this account as having never been late. Further


Date_received: Bottom line
Product: Lexis prepares consumer reports in the ordinary course of business and
Subproduct: therefore
Issue: under the FCRA
Complaint_ID: Yes
Subissue:
 they are required to take steps to ensure maximum accuracy. Because XXXX of XXXX NCRAs report XXXX on-time payments for this account


Subproduct: and by Law are not considered proof. Under the Fair Credit Reporting Act
Issue: unverified
Consumer_narrative: within 30 calendar days from receipt of this notice
Complaint_ID: Yes
Date_received:
Please be advised that EQUIFAX HAS NOT under Section 611 ( 5 ) ( A ) of the FCRA - EQUIFAX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : "" A consumer reporting agency is not required to remove accurate derogatory information from a consumer 's file

Product:
 unless the information is outdated under section 605 or can not be verified. '' Copies of copies are not a form of Validation

Subissue:
 invalid accounts must be removed. EQUIFAX is unable to provide me with a copy of the verifiable/validated proof that you have on file


Date_received: 05/02/2016
Product: Mortgage
Subproduct: FHA mortgage
Issue: Loan modification,collection,foreclosure
Company_public_response: SPS had faxed to XXXX XXXX
Company: XXXX XXXX
State: Realtor that the Short Sale had been approved by XXXX XXXX XXXX
ZIP_code: Senior Vice President of Select Portfolio Servicing
Submitted_via: Inc.
Consumer_narrative:
Dear CFPB, I hereby file a complaint/dispute against Select Portfolio Servicing , Inc. on behalf on the grounds of violating my Consumer Protection Rights under the law of the FDCPA and FCRA. On XX/XX/2016 I spoke to XXXX XXXX XXXX of SPS regarding the short sale of XXXX XXXX XXXX, XXXX, IL. in a recorded conversation I was faced w/a nasty attitude and told me it was set for foreclosure. I then called back on XXXX/XXXX/16 along with my realtor XXXX XXXX of XXXX XXXX and spoke w/XXXX who then transferred me to a XXXX XXXX, Loss Litigation & her Supv. XXXX XXXX of SPS in a recorded conversation that said the short sale was denied because my attorney 's office along w/my realtor did not get proper change of buyer forms in by XXXX/XXXX/16. This was untrue as all of this information was submitted accordingly. They went on claiming that we could not close and have a short sale in which I was entitled to {$10000.00} under the HAFA which is in writing. Proof of funds was there by XX/XX/2016. My attorney 's office ( at that time ) also called SPS & explained everything was presented accordingly. SPS continued to give all of us the runaround purposely. SPS kept pursuing " Cash for Keys for {$3000.00} instead ''. Prior to this

Date_sent_to_company:
 and all they needed at that time was hardship letter which was submitted XX/XX/2016. For approximately 2 weeks I did not hear anything from SPS and neither did my realtor since XX/XX/2016. Then I received multiple letters DATED XX/XX/2016 but not RECEIVED UNTIL XX/XX/2016 postmarked XX/XX/2016 ( pre-dated on letter ) that SPS and their attorneys XXXX XXXX XXXX had scheduled another Foreclosure date of XX/XX/2016 instead of a Short Sale although SPS would tell my realtor differently as she spoke to several different individuals at SPS and had her resubmitted paperwork including current utility bills for a short sale. I went into the hospital on XX/XX/2016 to have a procedure as I am a XXXX XXXX. On XXXX I called and finally got this alleged XXXX XXXX at XXXX XXXX and tried to explain to him I was in the hospital which was relayed by my realtor

Company_response:
 I was disputing the foreclosure and wanted to know what I could do since I was told they needed 38 days for a Short Sale

Timely_response:
 XXXX XXXX was very nasty and short with me and said it was nothing for me to do but to accept the "" Cash for Keys for {$3000.00} '' )

Consumer_disputed:
 I told him this was wrong because I did not even received all XXXX letters until XX/XX/2016 and that was LESS THAN 30 days notice for me the consumer and property owner notification of a foreclosure and it was n't fair and violated my consumer rights. He said he did not care and that was not his concern or problem and SPS would give me 30 days to vacate and kept saying it was my realtor 's error in which it was not as different ones gave her the runaround and told her a short sale could be pursued. I asked to speak to XXXX XXXX 's Supv he REFUSED to allow me to speak to his Supv named XXXX XXXX. I asked for XXXX XXXX ext. again I was REFUSED by XXXX XXXX

Complaint_ID:
 Relationship Manager of SPS and was very nasty. I spent a hour on the phone with SPS in a RECORDED conversation. I told him that SPS was Extortionists and I wanted to file a suit in Federal court he told me he did not care and do what I have to do. I told him that records from SPS needs to be subpoena and recorded conversations as well because SPS gives the consumer


Date_received: 05/07/2016
Product: Credit reporting
Issue: Improper use of my credit report
Subissue: Report improperly shared by CRC
Company_public_response: Cont'd attempts collect debt not owed
Company: Debt is not mine
ZIP_code: Company believes it acted appropriately as authorized by contract or law
Submitted_via: National Credit Systems,Inc.
Date_sent_to_company: IL
Company_response: 60067
Consumer_disputed: Consent not provided
Complaint_ID: Web
Consumer_narrative:
 Your complaint number with XXXX : # XXXX '' is the original CFPB complaint today after receiving my Equifax Confirmation # XXXX page XXXX of XXXX " XXXX of your creditors '' was provided my credit information. They fraudulently pretented to be a creditor to get it. This is illegal. 
,,Equifax,MI,482XX,,Consent provided,Web,05/07/2016,Closed with explanation,Yes,Yes,1913794
05/07/2016,Credit reporting,,Incorrect information on credit report,Account status,I have disputed with Experian about a collection account on my credit report ( XXXX XXXX ) and I stated ( between 3 and 5 times ) that the account was previously paid to the company XXXX directly| with no involvement of XXXX XXXX. The credit account was suppose to be removed since it was paid before the account was initiated.And of course XXXX XXXX never contacted me on the issue nor did XXXX| but I constantly am disputing the account since it was full in full to XXXX ( the final bill took a while to get to me since I moved to a new location but once received it was paid immediately ) 
,Company has responded to the consumer and the CFPB and chooses not to provide a public response,Experian,MD,212XX,,Consent provided,Web,05/07/2016,Closed with non-monetary relief,Yes,Yes,1914708
05/07/2016,Debt collection,Other (i.e. phone| health club| etc.)


Date_received: 05/17/2016
Product: Bank account or service
Subproduct: Other bank product/service
Issue: Account opening, closing, or management
Company: but instead of showing it discharged
State: they are characterizing it in such a way that appears I am just filing for bankruptcy in XXXX XXXX
Complaint_ID: Web
Consumer_narrative:
I have had my accounts repeatedly incorrectly reported by Navy Federal Credit Union, after I have taken multiple actions through the CFPB, Credit Bureaus and even legal action. They refuse to correctly report information and continue to damage my credit report, in what seems in an intentional way. I had a Bankruptcy that was filed XX/XX/XXXX, at that time navy in terms of my accounts ; closed, wrote off and terminated my membership. The subsequently then continue to report incorrect information, including ; showing the items " included in bankruptcy '' in XXXX XXXX

Company_public_response:
 which is incorrect and severely damaging my credit report. My bankruptcy was indeed discharged in XXXX XXXX


Date_received: 05/08/2016
Product: Credit reporting
Issue: Incorrect information on credit report
Subissue: Account terms
Complaint_ID: Yes
Consumer_narrative:
I am XXXX and I opened an a prepaid internet hotspot account with XXXX as evidenced by the attachments. I did not voluntarily apply for credit. I specifically requested a prepaid account with no credit check. The first bill, attached, shows that XXXX requires payment in advance as I requested. This first prepaid bill was paid as evidenced by the payment receipt that is also attached hereto. However, XXXX did not supply the agreed upon XXXX of high speed internet service that I paid for as agreed. Instead, XXXX failed to suspend or " cut-off '' the high speed internet service once the XXXX allotment was consumed as its sales representative told me would happen. I was wearing a replica hat for the XXXX XXXX ship my brother served in

Company_public_response:
 the XXXX XXXX XXXX and a gentleman in the store questioned me about whether I had served on that ship. Therefore

Company:
 the second bill was for over {$500.00}. XXXX then terminated the internet account and I was not able to connect to the internet. However

State:
 XXXX continued to add the {$80.00} agreed upon monthly charges to my account until it reached over {$700.00}. Finally

ZIP_code:
 XXXX hired a debt collection firm to collect this debt and report this debt to the credit bureaus. As a result


Date_received: 1. The "" Type of Account '' says NA
Subproduct: please verify its Status/Major Delinquency date 5. Because this account has no Balance History
Issue: please verify its Status/Major Delinquency date 6. This account has no Activity Designator
Subissue: and should as this account is Closed Please Validate this Tradeline
Complaint_ID: Yes
Product:
 and should be "" Revolving/Option '' 2. There is no Payment History in this account - and there should be as this account was opened for over 3 years 3. There is no Balance History in this account - and there should be as this account was opened for over 3 years 4. Because this account has no Payment History


Date_received: 05/17/2016
Product: Mortgage
Subproduct: Other mortgage
Issue: Loan modification,collection,foreclosure
Complaint_ID: Yes
Consumer_narrative:
In XX/XX/XXXX, I signed a {$2500.00} promissory note with XXXX. The original docs were altered after I signed. I filled a fraud compliant with XXXX. They agreed and waived the balance of the loan. In XX/XX/XXXX, Resurgent bought the loan and I refilled the fraud complaint and Resurgent agreed and waived the loan. I have not received any bill since XX/XX/XXXX. In XXXX XXXX ( last week ) I received a Mortgage statement for {$8500.00} from Shellpoint MTG. Confused, I called Shellpoint. XXXX, in the Shellpoint XXXX office indicated they purchased the " mortgage '' from Resurgent. The 10-year-old


Date_received: 05/09/2016
Product: Mortgage
Subproduct: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account
Company_public_response: XXXX. '' The date of our agreement is XXXX XXXX
Company: XXXX. Yet on XXXX XXXX
State: XXXX
Complaint_ID: Yes
Consumer_narrative:
Our HELOC agreement with BB & T stated " The initial Discounted ANNUAL PERCENTAGE RATE is 1.99 %. It also stated "" The initial Discounted Annual Percentage Rate is in effect from the date of the Agreement through XXXX XXXX


Date_received: 05/26/2016
Product: Credit reporting
Issue: Credit reporting company's investigation
Subissue: Inadequate help over the phone
Complaint_ID: Yes
Consumer_narrative:
I tried to cash my WV XXXX tax refund ( {$97.00} ) at XXXX on XXXX/XXXX/16 at XXXX. I received a notice that my check was declined by Certegy. When I called the number on the receipt, I received a recording that it was nothing I did wrong and that I should take my check to a non Certegy retailer. Then the call just ended. I was not given an option to speak to anybody. It did this at least 6 times. Finally, I googled Certegy to get a number. I spoke with XXXX ( Rep ID # XXXX ). I asked why it was declined and she refused to tell me. She said that she could not give me that information because I was not the owner of the account. She also said the WV Tax Dept. needed to call them to verify the check before they could clear me out of their system. I called the WV Tax Dept. After being on hold for almost TWO HOURS, I was told that there is nothing wrong with the check and that Certegy has declined almost all refund checks from the State of WV this year. The Tax Dept. says they will not call because they have had SO many reports of this happening that they just do not have time or enough staff to call on each and every check. I have never written a check so I know that I have no bad checks outstanding. I do not have a bank account, can not afford to open XXXX and should not have to do so. Certegy is refusing to okay my transaction without telling me why. It just seems like a huge run around - the merchant says it is Certegy 's fault, Certegy says it is the Tax Dept 's fault and the Tax Dept says it is Certegy. I just want my money as I do n't make much and really need it. This is unfair for Certegy to decline transactions without giving me a reason or making it appear that I have done something wrong. If it is nothing I 've done, and it is a government check that is valid, they have no reason to decline the transaction. In addition, getting any information on why it was declined or how to fix it has been a nightmare. Certegy should not be allowed to commit fraud in the name of " fraud protection ''. While on the phone


Product: XXXX
Subproduct: FINANCIAL INSTITUTIONS
Issue: AND INSURANCE
Subissue: Chapter XXXX XXXX
Consumer_narrative: XXXX XXXX
Complaint_ID: Yes
Date_received:
On XXXX/XXXX/2016 QLS received my Request For Documents ( "" RFD '' ) letter via Certified Mail. In my RFD I requested validation pursuant to the FDCPA. I also requested information and documents pursuant to Arizona 's Administrative Code


Product: sign closing documents
Issue: sign closing documents
Complaint_ID: Yes
Date_received:
Furthermore, ( 1 ). " XXXX XXXX XXXX/Lakeview Loan Servicing claims for incomplete credit application ''. How do you set a closing date

Subproduct:
 cash my settlement fees check but claim my application is incomplete and leave me a closing package with the HUD 1. ( 2 ) "" Claims Application Approved but not accepted ''. How do you set a closing date


Date_received: 06/08/2016
Product: Debt collection
Subproduct: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Company_public_response: MD Mariner Finance office to call.XX/XX/XXXX at XXXX called the XXXX
Company: MD Mariner Finance office and talked to XXXX
ZIP_code: MD Mariner Finance and gave her the total amount in my Bank account hoping for resolution
Timely_response: water
Consumer_disputed: food
Complaint_ID: medical
Consumer_narrative:
on XXXX XXXX, XXXX Mariner Finance was awarded a judgment against me. Immediately after they had a writ of garnishment issued against my wife and I 's joint account at XXXX XXXX XXXX. My wife is not a judgment debtor only myself and the account was opened in XXXX ( judgment pursued in XXXX. The judgment was for {$1600.00}, XXXX XXXX XXXX placed the hold for approx. {$2100.00} which was in excess of the amount of the judgment. XXXX XXXX XXXX also held deposits on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I contacted Mariner Finance via telephone at XXXX on XXXX/XXXX/XXXX called was placed to XXXX XXXX at Mariner Finance legal department and a message was left on voicemail to return my call. XXXX/XXXX/XXXX XXXX XXXX returned my call at XXXX Explained to me my money was tied up and I could do nothing to get it reversed, I was also told that I " was n't too smart are you? '' XXXX XXXX did give me a number for the local XXXX

State:
 XXXX informed me that I would need to tell her the total of all the money in my account and call back. XXXX also asked for my employer 's information and would n't help me until I gave it to her. XXXX/XXXX/XXXX XXXX called XXXX back at XXXX

Submitted_via:
 XXXX told me she would return my call in a couple of hours to help get a release the funds. XXXX/XXXX/XXXX at XXXX XXXX called XXXX Mariner Finance and asked to speak to XXXX. XXXX informed me I would have to bring {$500.00} in cash to the XXXX

Date_sent_to_company:
 MD office and they would release the funds. At this time I informed XXXX that the account they placed a hold on was a joint account with my wife and they were in violation of Maryland statute 11-603

Company_response:
 XXXX responded by telling me to get an attorney to call there attorney. XXXX/XXXX/XXXX XXXX called XXXX XXXX at Mariner Finance legal and informed him Mariner Finance was in violation of Maryland Statute 11-603 by garnishing a joint bank account without my wife being a judgment debtor. XXXX said he had nothing from XXXX XXXX XXXX stating that was a joint account so he would n't be releasing anything. XXXX/XXXX/XXXX attended via telephone a free consultation with a bankruptcy attorney who directed me what district court motion to file to try and get the bank account funds released. Motion was mailed to XXXX XXXX 's district court on XXXX/XXXX/XXXX and was filed with the court on XXXX/XXXX/XXXX. XXXX/XXXX/XXXX XXXX XXXX attorney for Mariner Finance issued a writ of garnishment of wages to be served on my employer. I am the only income for my family. My wife and I have XXXX children from the ages of XXXX months to XXXX years old. I have told Mariner Finance that I am the head of my household and they are tying up money that my family needs to survive. In response Mariner Finance has tied up even more money. They already have my bank account money held up with the courts and now they are trying to take 25 % of my paycheck that we now need all of for basic necessities ( electricity


